1 Laporan Tahunan 2022

Memperkuat
Kapabilitas dan
Sinergi untuk
Mendorong
Ekspansi Bisnis
Strengthening Capabilities
and Synergy to Accelerate
Business Expansion
2022
Laporan Tahunan
Annual Report
PT Bank Muamalat Indonesia Tbk
Sanggahan dan Batasan Tanggung Jawab
Laporan tahunan ini memuat pernyataan kondisi keuangan, hasil

operasi, proyeksi, rencana, strategi, kebijakan, serta tujuan Bank,
yang digolongkan sebagai pernyataan ke depan dalam pelaksanaan
perundang-undangan yang berlaku, kecuali hal-hal yang bersifat historis.
Pernyataan-pernyataan tersebut memiliki prospek risiko, ketidakpastian,
serta dapat mengakibatkan perkembangan aktual secara material
berbeda dari yang dilaporkan.
Pernyataan-pernyataan prospektif dalam laporan tahunan ini dibuat

berdasarkan berbagai asumsi mengenai kondisi terkini dan kondisi
Bank pada masa mendatang serta lingkungan bisnis di mana Bank
menjalankan kegiatan usaha. Bank tidak menjamin bahwa dokumen-
dokumen yang telah dipastikan keabsahannya ini akan memberikan
hasil yang diharapkan.
Laporan tahunan ini memuat kata “Bank,” “Bank Muamalat,” dan

“Bank Muamalat Indonesia (BMI)” yang didefinisikan sebagai PT Bank
Muamalat Indonesia Tbk yang menjalankan kegiatan usaha dalam bidang
perbankan syariah. Adakalanya kata “Perusahaan” dan “Perseroan” juga
digunakan atas dasar kemudahan untuk menyebut PT Bank Muamalat
Indonesia Tbk secara umum.
Laporan ini disajikan dalam dua bahasa yaitu Bahasa Indonesia dan
Bahasa Inggris dengan menggunakan jenis dan ukuran huruf yang
mudah dibaca dan dicetak dengan kualitas yang baik. Angka pada
tabel dan grafik dalam laporan ini menggunakan notasi dalam bahasa
Indonesia. Laporan Tahunan ini dapat dilihat dan diunduh di situs resmi
Bank Muamalat Indonesia yaitu www.bankmuamalat.co.id.
Disclaimer and Limitation of Liability
This annual report discloses the financial statements, results of operations,

projections, plans, strategies, policies, and objectives of the Bank, which
are classified as forward-looking statements in the implementation of the
prevailing regulations, except for historical matters. These statements
involve potential risks, uncertainties, and may materially differ in their actual
developments from those reported here in.
The prospective statements in this annual report are prepared on the basis
of various assumptions regarding the current and future conditions of the
Bank as well as the business environment in which the Bank conducts its
business. The Bank does not guarantee that these documents whose validity
have been ascertained will bring expected results.
The annual report contains the words “the Bank,” “Bank Muamalat,” and
“Bank Muamalat Indonesia (BMI)” which are defined as PT Bank Muamalat
Indonesia Tbk engaged in sharia banking activities. Oftentimes, the word
“Company” is also used for ease of reference to address PT Bank Muamalat
Indonesia Tbk in general.
The report is presented in two languages, Bahasa Indonesia and English,

using the easily readable font type and size and with good quality prints.
Figures in tables and graphs in this report use Indonesian notation.
The Annual Report is available and downloadable from Bank Muamalat
Indonesia’s official website www.bankmuamalat.co.id.
Memperkuat Kapabilitas
dan Sinergi untuk
Mendorong
Ekspansi Bisnis
Strengthening Capabilities and Synergy to
Accelerate Business Expansion
Pada tahun 2022, pertumbuhan bisnis Bank Muamalat mulai

menemukan momentumnya kembali, pasca upaya perbaikan
kualitas aset melalui transaksi penjualan aset berkualitas
rendah. Badan Pengelola Keuangan Haji (BPKH) sebagai
pemegang saham pengendali juga kembali memperkuat
permodalan Bank melalui rights issue dan penerbitan
sukuk subordinasi, total senilai Rp3 triliun. Sampai dengan
akhir tahun 2022, Bank Muamalat terus memperkuat
kapabilitas dan sinergi, memperluas ekspansi bisnis dengan
menggencarkan layanan perbankan ke ekosistem haji dan
umroh serta berbagai sektor di ekosistem halal/Syariah, dan
berhasil membukukan peningkatan kinerja yang signifikan
dari tahun sebelumnya.
In 2022, Bank Muamalat's business growth have begun to regain its momentum, following successful
efforts to improve asset quality through the sale of low-quality assets. The Hajj Financial Management
Agency (BPKH) as the controlling shareholder also strengthened the Bank's capital through a rights issue
and issuance of subordinated sukuk, totaling Rp3 trillion. Until the end of 2022, Bank Muamalat continues
to strengthen its capabilities and synergies, expanding its business by intensifying banking services to the
Hajj and Umrah ecosystems as well as various sectors in the halal/Sharia ecosystem, and succeeded to
book a significant improvement in performance from the previous year.
Keberlanjutan Tema
Theme Continuity
Ketangguhan
dan Sinergi
menuju Masa Depan
2020 2021
yang Lebih Cerah
Turnaround Resilience and
Towards Synergy towards a
2020 Profitability and Brighter Future
Laporan Tahunan
Sustainability
2021
Annual Report
Laporan Tahunan
Annual Report PT Bank Muamalat Indonesia Tbk
Turnaround Towards Ketangguhan dan Sinergi menuju

Profitability and Sustainability Masa Depan yang Lebih Cerah
Resilience and Synergy towards a Brighter
Future
Gelombang pandemi COVID-19 tahun 2020 berdampak Tahun 2021 merupakan tahun yang sangat penting bagi
besar pada perekonomian, bisnis, dan interaksi sosial PT Bank Muamalat Indonesia Tbk. Bank berhasil
masyarakat global sehingga Indonesia mengalami meningkatkan modalnya sebesar Rp1 triliun yang disuntik
kontraksi pertumbuhan. Menghadapi tantangan oleh Badan Pengelola Keuangan Haji (BPKH) melalui
tersebut Bank Muamalat melakukan langkah turnaround mekanisme right issue. Pada tahun 2022, BPKH menyetor
untuk meningkatkan kembali tingkat profitabilitasnya tambahan modal sebesar Rp2 triliun melalui penerbitan
dengan membangun fondasi pertumbuhan bisnis instrumen subordinasi.
yang berkelanjutan melalui berbagai inisiatif untuk
mengembalikan kinerja pada tingkat yang lebih baik. Injeksi modal dari BPKH tersebut membuat permodalan
Bank semakin kuat dan tangguh, seperti ditunjukkan melalui
rasio kecukupan modal yang meninggi. Dana tersebut akan
The 2020 COVID-19 pandemic outbreak had a major impact digunakan untuk penyaluran pembiayaan yang akan dapat
on the economy, business, and social interactions in the memperbaiki rentabilitas Bank.
global community, as a result of which Indonesia has
experienced a contraction in growth. Facing this challenge, Kehadiran BPKH sebagai pemegang saham mayoritas Bank
Bank Muamalat underwent the turnaround initiative to sekaligus membuka peluang terciptanya sinergi yang positif.
increase its profitability by building the fondations for Dengan demikian, peluang Bank untuk berkembang ke
sustainable growth through various initiatives to improve depan akan semakin terbuka demi menatap masa depan
performance. 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.
2 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

dan Sinergi untuk
Mendorong Memperkuat
Kapabilitas dan
Ekspansi Bisnis
Sinergi untuk
Mendorong
Ekspansi Bisnis
and Synergy to Accelerate
Business
Strengthening Capabilities and Expansion
Synergy to Accelerate Business

Expansion
2022 2022
Laporan Tahunan
Annual Report
Pada tahun 2022, aktivitas bisnis Bank Muamalat mulai menemukan

momentumnya kembali, menyusul implementasi inisiatif asset swap
off balance sheet dengan PT Perusahaan Pengelola Aset (Persero)
guna mengurangi beban aset non-produktif Bank. Badan Pengelola
Keuangan Haji (BPKH) sebagai pemegang saham pengendali juga kembali
memperkuat permodalan Bank melalui rights issue dan penerbitan sukuk
subordinasi, total senilai Rp3 triliun. Sampai dengan akhir tahun 2022,
Bank Muamalat terus memperkuat kapabilitas dan sinergi, memperluas
ekspansi bisnis dengan menggencarkan layanan perbankan ke ekosistem
haji dan umroh serta berbagai sektor di ekosistem halal/Syariah, dan
berhasil membukukan peningkatan kinerja yang signifikan dari tahun
sebelumnya.
In 2022, Bank Muamalat's business growth have begun to regain its momentum, following
successful efforts to improve asset quality through the sale of low-quality assets. The Hajj
Financial Management Agency (BPKH) as the controlling shareholder also strengthened
the Bank's capital through a rights issue and issuance of subordinated sukuk, totaling Rp3
trillion. Until the end of 2022, Bank Muamalat continues to strengthen its capabilities and
synergies, expanding its business by intensifying banking services to the Hajj and Umrah
ecosystems as well as various sectors in the halal/Sharia ecosystem, and succeeded to
book a significant improvement in performance from the previous year.
PT Bank Muamalat Indonesia Tbk 2022 Annual Report 3

Daftar Isi
Table of Contents
6 20 62 166
Ikhtisar Kinerja Laporan Profil Analisis dan Pembahasan
2022 Manajemen Perusahaan Manajemen
2022 Performance Highlights Management Report Company Profile Management Discussion and Analysis
Ikhtisar Kinerja 2022 Visi, Misi, dan Nilai Perusahaan 72 Informasi pada Website 165
2022 Performance Highlights Vision, Mission, and Company Perusahaan
Value Information on the Company
Ikhtisar Keuangan 8 Bidang Usaha Website
Financial Highlights
74
Line of Business
Ikhtisar Saham 11 Produk dan Layanan
Stock Highlights
77
Aksi Korporasi
Products and Services Analisis dan
12 Wilayah Operasional 89
Corporate Actions Operational Area
Pembahasan Manajemen
Penghentian Perdagangan 12 Management Discussion and
Peta Jaringan Bisnis dan Wilayah 102
Sementara (Suspension) Saham Analysis
Operasi
Temporary Trading Suspension Map of Business Network and Tinjauan Ekonomi
Ikhtisar Obligasi dan Sukuk
168
13 Operating Areas Economic Overview
Bond and Sukuk Overview Struktur Organisasi Tinjauan Industri Perbankan
Penghargaan dan Sertifikasi 104 170
14 Organization Structure Banking Industry Overview
Awards and Certifications Komite Level Komisaris Tinjauan Posisi Bank Muamalat
Peristiwa Penting 106 171
16 Board of Commissioners Level Indonesia di Industri Perbankan
Event Highlights Committees Syariah
Komite Level Direksi 107 Overview of Bank Muamalat
Board of Directors Level Indonesia Position in the Sharia
Laporan Manajemen Committees Banking Industry
Management Report Profil Dewan Pengawas Syariah Tinjauan Operasional
108 174
Laporan Dewan Pengawas 22 Profile of the Sharia Supervisory Operational Overview
Syariah Board Tinjauan Kinerja per Segmen 175
Sharia Supervisory Board Report Profil Dewan Komisaris 114 Usaha
Laporan Dewan Komisaris 30 Profile of the Board of Performance Overview per
Board of Commissioners Report Commissionners Business Segment
Laporan Direksi 42 Profil Direksi dan Pejabat 124 Tinjauan Kinerja Keuangan 187
Board of Directors Report Eksekutif Senior Financial Performance Overview
Surat Pernyataan Dewan 60 Profile of the Board of Directors
Komisaris tentang Tanggung and Senior Executive Officers
Jawab atas Laporan Tahunan Profil Pejabat Eksekutif 136 Fungsi Penunjang Bisnis
2022 PT Bank Muamalat Profile of Executive Officers Business Support Function
Indonesia Tbk Statistik Karyawan 141 Sumber Daya Manusia 224
Statement of the Board of Employee Statistics
Human Capital
Commissioners regarding Informasi Pemegang Saham 152 Teknologi Informasi 224
Responsibility for the 2022 Utama dan Pengendali
Information Technology
Annual Report of PT Bank Information on Major and Manajemen Risiko
Controlling Shareholders 251
Muamalat Indonesia Tbk Risk Management
Surat Pernyataan Direksi 61 Kronologi Pencatatan Saham 156
tentang Tanggung Jawab atas Share Listing Chronology
Kronologi Pencatatan Efek 157
Laporan Tahunan 2022 PT Bank
Lainnya
Tata Kelola Perusahaan
Muamalat Indonesia Tbk Corporate Governance
Statement of the Board Chronology of Listing of Other
of Directors regarding Securities Komitmen dan Kebijakan 336
Struktur Grup Perusahaan 158 Penerapan Good Corporate
Responsibility for the 2022
Company Group Structure Governance
Annual Report of PT Bank
Profil Entitas Anak dan Entitas 159 The Commitment and Policy of
Muamalat Indonesia Tbk
Asosiasi Good Corporate Governance
Profile of Subsidiaries and Implementation
Profil Perusahaan Associates Peningkatan Kualitas Good 345
Company Profile Daftar Entitas Anak dan Asosiasi 162 Corporate Governance
List of Subsidiaries and Quality Improvement of Good
Identitas Perusahaan 64 Associates Corporate Governance
Company Identity Kantor Akuntan Publik 162 Penilaian Penerapan Good 347
Riwayat Singkat 66 Public Accounting Office Corporate Governance
History in Brief Nama dan Alamat Lembaga 163 Assessment of Good Corporate
Logo Perusahaan 69 serta Profesi Penunjang Pasar Governance Implementation
Company Logo Modal Penerapan atas Pedoman Tata 353
Jejak Langkah 70 Name and Address of Capital Kelola Perusahaan Terbuka
Milestones Market Supporting Institutions Implementation of Corporate
and Professionals Governance Guidelines for Public
Companies

222 334 598 602
Fungsi Penunjang Tata Kelola Tanggung Jawab Sosial Laporan
Bisnis Perusahaan Perusahaan Keuangan
Business Support Function Corporate Governance Corporate Social Responsibility Financial Statement
Struktur dan Mekanisme 372 Asset & Liability Committee 532 Sistem Pelaporan Pelanggaran 596
Corporate Governance (ALCO) Whistleblowing System
Corporate Governance Structure Asset & Liability Committee Pendapatan Non-Halal dan 597
and Mechanism (ALCO) Penggunaannya
Rapat Umum Pemegang Saham 374 Komite Manajemen Risiko 549 Non-Halal Income and Use
General Meeting of Shareholders Risk Management Committee
Informasi Pemegang Saham 405 Komite Sumber Daya Manusia 555
Utama/Pengendali Human Capital Committee Tanggung Jawab Sosial
Information on the Majority/ Sekretaris Perusahaan 559 Perusahaan
Controlling Shareholders Corporate Secretary
Corporate Social Responsibility
Dewan Pengawas Syariah 406 Satuan Kerja Audit Internal (SKAI) 563
Sharia Supervisory Board Internal Audit Work Unit (IAU) Ikhtisar Kinerja Keberlanjutan 600
Dewan Komisaris 418 Sistem Pengendalian Internal 568 Sustainability Performance
Board of Commissioners Internal Control System Highlights
Komisaris Independen 432 Audit Eksternal 573
Independent Commissioners External Audit
Direksi 436 Sistem Manajemen Risiko 574 Laporan Keuangan 2022
Board of Directors Risk Management System 2022 Financial Statements
Hubungan Afiliasi antara 454 Satuan Kerja Kepatuhan 574 Laporan Keuangan 2022 603
Anggota Direksi, Dewan Compliance Unit
2022 Financial Statements
Komisaris, dan Pemegang Saham Anti Pencucian Uang dan 580
Utama dan/atau Pengendali Pencegahan Pendanaan
Affiliate Relationship between Terorisme (APU & PPT) Referensi Silang
Members of the Board of Anti Money Laundering and
Directors, the Board of Counter Financing of Terrorism Laporan Tahunan 2022
(AML & CFT) Annual Report Cross Reference
Commissioners, and Majority
Perkara Penting 582 2022
and/or Controlling Shareholders
Kebijakan Pengungkapan 456 Important Cases Lampiran Surat Edaran Otoritas 771
Informasi Kepemilikan Saham Sanksi Administratif 583 Jasa Keuangan Republik
Policy on Disclosure of Administrative Sanction
Indonesia
Information on Share Ownership Akses Informasi dan Data 583
No. 10/SEOJK.03/2020 tentang
Penilaian Dewan Komisaris dan 460 Perusahaan
Transparansi dan Publikasi
Direksi Access to Company Data and
Laporan Bank Umum Syariah
Assessment of the Board of Information
dan Unit Usaha Syariah
Commissioners and the Board of Kode Etik Perusahaan 587
Company Code of Conduct Attachment Financial Services
Directors Authority Circular Letter No. 10/
Nominasi dan Remunerasi 468 Kebijakan Anti Korupsi/Fraud 589
dan Sosialisasinya SEOJK.03/2020 concerning
Dewan Pengawas Syariah, Transparency and Publication of
Dewan Komisaris, dan Direksi Anti-Corruption/Fraud Policy and
Its Socialization Reports for Islamic Commercial
Nomination and Remuneration Banks and Sharia Business Units
of the Sharia Supervisory Board, Pengendalian Gratifikasi 593
Gratuity Control Referensi SEOJK No. 16/ 780
the Board of Commissioners, SEOJK.04/2021: Laporan
and the Board of Directors Transparansi Kondisi Keuangan 594
dan Non-Keuangan Tahunan Emiten atau
Komite Audit 492 Perusahaan Publik
Audit Committee Transparency of Company’s
Financial and Non-Financial SEOJK Reference No. 16/
Komite Nominasi dan 503 SEOJK.04/2021: Annual Report of
Remunerasi Conditions
Pembelian Kembali Saham 595 Public Company
Nomination and Remuneration
dan Obligasi Bank Muamalat Kriteria Annual Report Awards 801
Committee Annual Report Award Criteria
Komite Pemantau Risiko 512 Indonesia
Risk Oversight Committee Buyback of Shares and Bonds of
Komite Tata Kelola Perusahaan 521 Bank Muamalat Indonesia
Corporate Governance Pemberian Dana untuk Kegiatan 595
Committee Sosial dan Politik
Komite di Bawah Direksi 527 Provision of Funds for Social and
Committees under the Board of Political Activities
Directors Batas Maksimum Penyaluran 595
Komite Pengarah Teknologi 528 Dana (BMPD)
Informasi Legal Lending Limit (LLL)
Information Technology Kebijakan Perlindungan Nasabah 595
Steering Committee Customer Protection Policy
Perlindungan Hak Kreditur 595
Creditor Rights Protection

Ikhtisar
Kinerja
2022
2022 Performance
Highlights
8 Ikhtisar Keuangan
11 Ikhtisar Saham
Stock Highlights
12 Aksi Korporasi
Corporate Actions
12 Penghentian Perdagangan
Sementara (Suspension) Saham
Temporary Trading Suspension
13 Ikhtisar Obligasi dan Sukuk
Bond and Sukuk Overview
14 Penghargaan dan Sertifikasi
Awards and Certifications
16 Peristiwa Penting
Event Highlights
Ikhtisar Kinerja 2022
2022 Performance Highlights
Ikhtisar Keuangan
(Rp miliar, kecuali dinyatakan lain) (Rp billion, except otherwise stated)
Uraian Description
2022 2021 2020 2019 2018

Total Aset 61.364 58.899 51.241 50.556 57.227 Total Assets
Investasi pada Surat 27.855 26.936 12.185 11.348 12.200 Investments in Marketable
Berharga Securities
Pembiayaan 18.821 18.041 29.077 29.867 33.566 Financing
Giro 4.878 6.148 4.106 3.663 3.601 Demand Deposits
Tabungan 16.122 16.033 14.543 14.781 14.201 Savings
Deposito 25.143 24.689 22.776 21.913 27.834 Time Deposits
Dana Pihak Ketiga 46.143 46.871 41.425 40.357 45.305 Third-party Funds
Total Liabilitas 56.162 54.913 47.275 46.618 53.306 Total Liabilities
Total Ekuitas 5.202 3.986 3.967 3.937 3.922 Total Equity
Investasi pada Entitas 347 347 408 408 6 Investments in Associates-
Asosiasi-Neto Net
Jumlah Pendapatan Bank 1.764 2.140 2.432 2.780 3.220 Revenue From Fund
sebagai Mudharib Management by Bank as
Mudharib
Bagi Hasil Dana Syirkah (1.435) (1.387) (1.610) (2.397) (2.242) Share on Return of
Temporer Temporary Syirkah Funds
Hak Bagi Hasil Milik Bank 330 753 822 383 978 Bank’s Share in Profit
Sharing
Pendapatan Operasional 1.098 584 575 647 349 Other Operating Revenue
Lainnya
Beban Operasional Lainnya (1.230) (1.326) (1.345) (1.550) (1.643) Other Operating Expenses
Pembalikan (Beban) 130 (16) (64) 507 352 Provision for (Reversal
Cadangan Kerugian of) Impairment Losses of
Penurunan Nilai Aset Eearning and Non Eearning
Produktif dan Non Produktif Assets
Laba (Rugi) Usaha 98 19 16 20 69 Income (Loss) Operations
Pendapatan (Beban) Non (46) (7) (1) 7 (23) Non-Operating (Expense)-
Operasional-Neto Net
Laba sebelum Beban Pajak 52 13 15 26 46 Income Before Income Tax
Laba Bersih 27 9 10 16 46 Net Income
Jumlah Laba Komprehensif 0 10 19 – – Total Other Comprehensive
Lain Bersih Setelah Pajak Income Net of Tax
Total Laba (Rugi) 27 20 30 16 41 Total Comprehensive
Komprehensif Periode Income for the Year
Berjalan
Laba (Rugi) Periode Berjalan Income (Loss) for the Year
yang Dapat Diatribusikan Attributable to
kepada:
• Pemilik Entitas Induk 27 9 10 16 46 Parent Entity Owner •
• Kepentingan Non – – – – – Non-Controlling Interests •
Pengendali
Laba (Rugi) Komprehensif Comprehensive Income
Periode Berjalan yang Dapat (Loss)
Diatribusikan kepada: for the Year Attributable to:
• Pemilik Entitas Induk 27 19 10 16 46 Parent Entity Owner •
• Kepentingan Non – – – – – Non-Controlling Interests •
Pengendali
Laba per Saham Dasar 0,53 0,87 0,98 1,60 4,51 Basic Earnings per Share
(Rp dalam nilai penuh) (Rp In full amount)

Memperkuat Kapabilitas dan Sinergi untuk Mendorong Ekspansi Bisnis
Strengthening Capabilities and Synergy to Accelerate Business Expansion
RASIO KEUANGAN PENTING

IMPORTANT FINANCIAL RATIOS
(dalam %, kecuali dinyatakan lain) (in %, except otherwise stated)
Uraian Description
2022 2021 2020 2019 2018 Description

Return on Assets (ROA) 0,09 0,02 0,03 0,05 0,08 Return on Assets (ROA)
Return on Equity (ROE) 0,53 0,20 0,29 0,45 1,16 Return on Equity (ROE)
Laba (Rugi) Usaha terhadap 0,94 0,35 0,33 0,48 1,30 Profit (Loss) toward Income
Pendapatan
Aset Lancar terhadap Total 13,78 12,99 7,93 7,22 11,83 Current Assets toward
Aset Total Assets
Rasio Liabilitas terhadap 1.079,63 1.377,52 1.191,79 1.184,05 1.359,26 Liabilities to Equity Ratio
Ekuitas
Rasio Liabilitas terhadap 91,52 97,23 92,26 92,21 93,15 Liabilities to Assets Ratio
Aset
Rasio Kecukupan Modal 32,70 23,76 15,21 12,42 12,34 Capital Adequacy Ratio
Pembiayaan Bermasalah 0,86 0,08 3,95 4,30 2,58 Non Performing Financing
Bersih Net
Financing to Deposits Ratio 40,63 38,33 69,84 73,51 73,18 Financing to Deposits Ratio
Margin Pendapatan Bersih 0,66 1,59 1,94 0,83 2,22 Net Income Margin
Beban Operasional 96,62 99,29 99,45 99,50 98,24 Operating Expenses to
terhadap Pendapatan Operating Revenue
Operasional (BOPO)
Giro Wajib Minimum (GWM) 7,50 3,00 3,24 4,82 5,41 Statuary Reserves
Posisi Devisa Netto 0,46 0,15 0,15 0,21 0,40 Net Open Position
Cost to Income Ratio (CIR) 92,36 96,91 98,27 98,50 – Cost to Income Ratio (CIR)
Persentase Pelampauan Percentage of Exceeding
Batas Maksimum the Maximum Limit for
Penyaluran Dana (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 32,70 23,76 15,21 12,42 12,34 Minimum Capital Adequacy
Modal Minimum (KPMM) Requirement (MCAR)

Total Aset Pembiayaan Total Dana Pihak Ketiga

Total Assets Financing Total Third-Party Fund
dalam miliar Rupiah | in billion Rupiah dalam miliar Rupiah | in billion Rupiah dalam miliar Rupiah | in billion Rupiah
61.364
18.821
46.143
57.227
50.556
51.241
58.899
33.566
29.867
29.077
18.041
45.305
40.357
41.425
46.871
2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022
Beban Operasional terhadap

Pendapatan Operasional
Laba Sebelum Beban Pajak Rasio Kecukupan Modal Operating Expenses to
Income Before Income Tax Capital Adequacy Ratio Operating Revenue
dalam miliar Rupiah | in billion Rupiah persentase (%) | percentage (%) persentase (%) | percentage (%)
32,70
96,62
12,34
12,42
15,21
23,76
98,24
99,50
99,45
99,29
46
26
15
13
52
2018 2019 2020 2021 2022 2018 2019 2020 2021 2022 2018 2019 2020 2021 2022

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
Jumlah Saham Ownership
Keterangan Number of Jumlah Nominal Persentase Description
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
Disetor Penuh Capital
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).

Aksi Korporasi
Corporate Actions
Pada tahun 2022, BMI telah menerbitkan Sukuk Subordinasi In 2022 ,BMI issued Rp2 trillion in long-term Mudharabah
Mudharabah jangka panjang yang dilakukan tanpa melalui Subordinated Sukuk without going through a public offering.
Penawaran Umum sebesar Rp2 triliun. Surat berharga The securities are due to mature on March 15, 2032.
tersebut jatuh tempo pada 15 Maret 2032.
Aksi korporasi ini tidak berpengaruh terhadap harga saham This corporate action has no effect on the share price of the
Bank. bank.
Penghentian Perdagangan Sementara

(Suspension) Saham
Temporary Trading Suspension
Bank Muamalat ialah perusahaan publik yang sahamnya Bank Muamalat is a public company whose shares are
tidak listing di Bursa Efek Indonesia (BEI) atau bursa mana not listed on the Indonesia Stock Exchange (IDX), so that
pun, sehingga informasi mengenai hal ini tidak dapat information on this matter cannot be presented.
disajikan.

Ikhtisar Obligasi dan Sukuk

Bond and Sukuk Overview
Hingga akhir tahun 2022, sukuk Bank yang belum jatuh The table below shows Bank Sukuk that have not yet matured
tempo disampaikan dalam tabel di bawah ini: until the end of 2022:
Nisbah Pemegang
Efek (%) Peringkat Efek
Nama Efek Nilai Pokok (Rp) Jatuh Tempo
Pre-determined Securities
Name of Securities Principal Value (Rp) Maturity
Ratio of Securities Rating
Holders (%)
Sukuk Subordinasi 2.000.000.000.000 58,64 15 Maret 2032 Non-rating
Mudharabah 2022 March 15, 2032
Subordinated Sukuk
Mudharabah 2022
Sukuk Mudharabah 2018 1.600.000.000.000 - 29 Juni 2038 Non-rating
Trust Certificate 2018 June 29, 2038
Sukuk Mudharabah Bank 2.440.856.000.000 50,72 15 November 2041 idA+ dari
Muamalat Indonesia 2021 November 15, 2041 PT Pemeringkat
Efek Indonesia
(PEFINDO)
idA+ from
PT Pemeringkat
Efek Indonesia
(PEFINDO)

Penghargaan dan Sertifikasi

Awards and Certifications
Penghargaan
Awards
Infobank 5th Service Loyalty

Engangement Awards 2022
17 Februari | February 2022
Infobank x MRI
Kategori | Category
1. Peringkat I Marketing Engangement
Bank Umum Syariah | Rank I
Marketing Engangement Sharia
1 2 3 Commercial Bank
2. Peringkat I Satisfaction (Kantor
Cabang) Bank Umum Syariah
| Rating I Satisfaction (Branch
Office) Sharia Commercial Bank
3. Peringkat I Satisfaction (Customer
Service) Bank Umum Syariah |
Rating I Satisfaction (Customer
Service) Sharia Commercial Bank
4. Peringkat I Satisfaction (ATM)
Bank Umum Syariah | Rating
I Satisfaction (ATM) of Sharia
Commercial Banks
4 5 6 5. Peringkat I Loyalty Bank Umum
Syariah | Rank I Loyalty Sharia
Commercial Bank
6. Peringkat I Engangement
Bank Umum Syariah | Rank
I Engagement of Sharia
Commercial Banks
Infobank 11th Digital Brand

Awareness 2022
7 April | April 2022
Infobank x Isentia
Kategori | Category
1. Best Overall Bank Umum Syariah
– Corporate Brand Peringkat II |
Best Overall Sharia Commercial
Bank – Corporate Brand Rank II
2. Best Overall Tabungan Bank 1 2 3
Umum Syariah – Tabungan iB
Hijrah Peringkat II | Best overall
Sharia Commercial Bank Savings –
iB Hijrah Savings Rank II
3. Best Overall KPR Bank Umum
Syariah – KPR iB Hijrah Peringkat II
| Best Overall Sharia Commercial
Bank KPR - iB Hijrah KPR Rank II
4. Best Overall Kartu Debit Bank
Umum Syariah – Share Debit
Bank Muamalat Peringkat II |
Best Overall Sharia Commercial
Bank Debit Card – Bank Muamalat
Share Debit Rank II 4 5 6 7
5. Peringkat I Bank Umum Syariah (KBMI) 1 – Asset Class
> IDR25 Trillion | Rank I Sharia Commercial Bank (KBMI)
1 – Asset Class > IDR 25 Trillion
6. Tabungan Bank Umum Syariah – Tabungan iB Hijrah
Peringkat I | Islamic Commercial Bank Savings - iB Hijrah
Savings Rank I
7. The Best Digital Brand 2012 - 2022 – Bank Umum Syariah |
The Best Digital Brand 2012 - 2022 - Sharia Commercial Bank

IFN Awards 2021

26 Mei | May 2022
IFN
Kategori | Category
1. Best Islamic Bank in Indonesia
2. Indonesia Deal of The Year – Bank Muamalat
Indonesia’s IDR10- trillion restructuring
3. Restructuring Deal of The Year – Bank Muamalat
Indonesia’s IDR10 trillion restructuring
1 2 3
Infobank 19th Banking Service HC Award-VIII-2022 Top Governance, Risk &

Excellent Awards 2022 31 Agustus | August 2022 Compliance Award 2022
30 Juni | June 2022 Economic Review 6 September | September 2022
Infobank x MRI Top Business
Kategori | Category
Kategori | Category 1. The Best President Director- Kategori | Category
1st Internet Banking Shariah Commitment to Human Capital 2022 Top GRC Awards 2022 #3 Stars
Commercial Bank 2. 3rd The Best Human Capital 2022
Indonesia Finance
Award-V-2022 Tempo Financial Award 2022
21 Oktober | October 2022 14 Desember | December 2022
Economic Review Tempo.co
Kategori | Category Kategori | Category

1st The Best Finance The Best Bank In Digital Services
Sharia Bank Public
Company;Aset>10T
BPKH Banking Award 2022

20 Desember | December 2022
BPKH
Kategori | Category
1. Pertumbuhan Pendaftaran Haji
Terbaik #2 | Best Hajj Registration
Growth #2
2. Pendaftar Haji terbaik #2 |
Best Hajj Registrant #2
3. Pendaftar Haji Millenial Terbaik #2 |
Best Millennial Hajj Registrant #2
1 2 3

Peristiwa Penting
Event Highlights
3 Februari | February
Peluncuran Sharia Payment dan Muamalat Merchants Apps

Dengan Muamalat Merchants Apps, BMI dapat mengeluarkan QRIS,
baik statis maupun dinamis yang dapat digunakan untuk seluruh
aplikasi.
Launch of Sharia Payment and Muamalat Merchants Apps

BMI can issue QRIS, both static and dynamic, using Muamalat
Merchants Apps, which can be used for all applications.
24 Februari | February 28 Februari | February 24 Maret | March
RUPS Luar Biasa

Rapat Umum Pemegang Saham Luar Biasa
di Ballroom, Muamalat Tower, Jakarta.
Extraordinary GMS
Extraordinary General Meeting of
Shareholders at the Ballroom, Muamalat
Tower, Jakarta.
Customer Gathering Milad Muamalat Kerja Sama dengan Baznas

Prioritas ke 5 Bank melakukan penandatanganan kerja
Dalam rangka memperingati Milad sama dengan Baznas untuk meningkatkan
Muamalat Prioritas ke-5, Bank mengadakan ekosistem dan layanan zakat.
Customer Gathering dengan Nasabah
Prioritas melalui online dikarenakan masih Collaboration with Baznas
dalam masa PPKM. Bank mengundang The bank signed a collaboration with
Danu Sofwan, pemilik Radja Cendol dan Es Baznas to improve the zakat ecosystem and
Teh Indonesia. services.
Muamalat's 5th Priority Milad Customer

Gathering
Due to the ongoing PPKM period, the Bank
held a Customer Gathering with Priority
Customers via online to commemorate
Muamalat's 5th Priority Milad. Danu Sofwan,
the owner of Radja Cendol and Indonesian
Ice Tea, was invited by the Bank.
26 April | April
Peluncuran Rekening Tabungan Jamaah Haji (RTJH) di Aplikasi

M-Din Bank Muamalat
Dengan fitur RTJH, nasabah dapat membayar pelunasan setoran
awal atau pendaftaran porsi haji hanya melalui aplikasi M-Din.
Launching of the Pilgrimage Savings Account (RTJH) in the Bank

Muamalat M-Din Application
With the RTJH feature, customers can pay off the initial deposit or
register for the portion of the Hajj only through the M-Din application.

17 Mei | May 25 Mei | May
Halal bi halal MUI, BMI dan BPKH

Bank bersama dengan BPKH mengadakan halal bihalal dengan Wakil
Presiden, Ketua MPR, serta MUI, bertempat di Ballroom BJ Habibie,
Muamalat Tower.
Halal bi halal MUI, BMI and BPKH

The Bank, in collaboration with BPKH, hosted a halal bihalal with the
Vice President, Chairperson of the MPR, and MUI at the BJ Habibie
Ballroom, Muamalat Tower.
Peluncuran Prohajj Plus (ONH Plus)

Bank mengundang nasabah prioritas dalam rangka launching kerja
sama pembiayaan haji khusus di Surabaya. Dalam acara tersebut
Bank Muamalat bekerja sama dengan PIHK Shafira.
The launching of Prohajj Plus (ONH Plus)

In the context of launching a special Hajj financing cooperation
in Surabaya, the bank invites priority customers. Bank Muamalat
collaborated with PIHK Shafira on this event.
24 Juni | June 29 Agustus | August
RUPS Tahunan dan RUPS Luar Biasa Safari Haji BPKH

Bank menyelenggarakan Rapat Umum Pemegang Saham (RUPS) Tahunan dan RUPS Luar Bank mengadakan silaturahim dengan
Biasa di Ball Room, Muamalat Tower, Jakarta. KBIHU dan Kemenag. Safari tersebut
juga dilaksanakan di beberapa kota, di
Annual GMS and Extraordinary GMS antaranya Surabaya dan Semarang pada 1
The Bank held an Annual General Meeting of Shareholders (GMS) and Extraordinary GMS at September 2022, kemudian Makassar pada
the Ballroom, Muamalat Tower, Jakarta. 29 September 2022 .
BPKH Hajj Safari

Bank Muamalat has held friendly gathering
with the KBIHU and the Ministry of Religion.
The safari was held in several cities, including
Surabaya and Semarang on September 1,
2022, and Makassar on September 29, 2022.

7 Oktober | October 10 November | November
International Conference ISEF

Bank Muamalat diundang menjadi salah satu Panelis dalam
4th International Hajj Conference di JCC Senayan. Acara ini
diselenggarakan bersamaan dengan Indonesia Sharia Economic
Festival (ISEF). Acara ini juga dihadiri oleh perwakilan dari NAHCON.
ISEF International Conference

Bank Muamalat was invited to be a panelist at the 4th International
Hajj Conference, which was held at JCC Senayan. This event coincided
with the Indonesia Sharia Economic Festival (ISEF). NAHCON
representatives also attended the event.
Customer Gathering WB
Bank menggelar “Market Outlook 2023” dengan mengusung tema
“Digital Trend in Financial Institution”. Kegiatan tersebut bertempat
di Hotel The Westin dan dihadiri oleh Kepala Badan Pelaksana BPKH
M. Fadlul Imansyah, Direktur Utama BMI Ahmad Kusna Permana,
Ekonom Senior dan Co. Founder & COO DOKU Nabilah Alsagoff.
WB Customer Gathering
The Bank held "Market Outlook 2023" with the theme "Digital
Trends in Financial Institutions". The activity was held at The Westin
Hotel and was attended by M. Fadlul Imansyah, Head of the BPKH
Implementing Agency, Ahmad Kusna Permana, Senior Economist and
Co. Founder & COO DOKU Nabilah Alsagoff.
29 November | November 8 Desember | December
RUPS Luar Biasa

Bank melaksanakan Rapat Umum Pemegang Saham (RUPS) Luar
Biasa di Ballroom, Muamalat Tower, Jakarta.
Extraordinary GMS
The Bank held an Extraordinary General Meeting of Shareholders
(GMS) at the Ballroom, Muamalat Tower, Jakarta.
Launching Muamalat Prioritas Kantor Cabang Buaran

Bank meluncurkan "Priority Center" baru di Kantor Cabang Buaran,
Jakarta Timur, yang dihadiri Nasabah Prioritas.
The launching of the Bank Muamalat Prioritas Buaran Branch

Office
The Bank launched the new "Priority Center" in its Buaran Branch
Office, East Jakarta, which attended by Priority Customers.


Laporan
Manajemen
Management Report
22 Laporan Dewan Pengawas Syariah
Sharia Supervisory Board Report
30 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 2022
Statement of the Board of
Commissioners regarding
Responsibility for the 2022 Annual
Report of PT Bank Muamalat
Indonesia Tbk
61 Surat Pernyataan Direksi tentang
Tanggung Jawab atas Laporan
Tahunan 2022 PT Bank Muamalat
Indonesia Tbk
Statement of the Board of Directors
regarding Responsibility for the
2022 Annual Report of PT Bank
Muamalat Indonesia Tbk
Laporan Manajemen
Management Report
Laporan Dewan Pengawas Syariah

Sharia Supervisory Board Report
Drs. H. Sholahudin Al-Aiyub, M.Si
Ketua Dewan Pengawas Syariah

Chairman, Sharia Supervisory Board

Dewan Pengawas Syariah sangat mengapresiasi

seluruh jajaran manajemen yang secara aktif dan
responsif melakukan langkah antisipasi pada Bank
Muamalat melalui peningkatan dalam proses bisnis
serta tata kelola yang baik.
Sharia Supervisory Board highly appreciates all levels of management who are active
and responsive in taking anticipatory steps at Bank Muamalat through improvements
in business processes and good governance
Assalamualaikum Warohmatullahi Wabarokatuh

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

Aalihi Wa Ashabihi. Amma Ba’du.
Para Pemegang Saham dan Pemangku Dear Esteemed Shareholders and

Kepentingan yang Terhormat, Other Stakeholders,
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 that has been given to all of us. Prayers and
kepada kita semua. Selawat serta salam semoga tercurah peace be upon the Prophet Muhammad SAW, all his family,
untuk baginda Rasulullah SAW, beserta seluruh keluarga dan and his companions.
kerabatnya.
Dalam kesempatan ini, perkenankan kami selaku Dewan On this occasion, please allow us, as the Sharia Supervisory
Pengawas Syariah (DPS) menyampaikan laporan atas tugas Board (SSB), to present a report on the duties and functions
dan fungsi yang telah dijalankan sepanjang tahun buku that have been carried out throughout the 2022 fiscal
2022. Dengan ridho Allah Subhanahu Wa Ta’ala, tepat year. With the blessing of Allah Subhanahu Wa Ta'ala, on 4
pada tanggal 4 Februari 2022, Badan Pengelola Keuangan February 2022, the the Hajj Financial Management Agency
Haji (BPKH) telah resmi menjadi pemegang saham utama (BPKH) had officially become the main shareholder of
PT Bank Muamalat Indonesia Tbk (“Bank Muamalat”, “BMI”, PT Bank Muamalat Indonesia Tbk (“Bank Muamalat,” “BMI,”
“Bank”). Kehadiran BPKH merupakan tonggak sejarah bagi “Bank”). The presence of the Hajj Financial Management
perkembangan Bank Muamalat ke depannya, terutama Agency is a milestone for the future development of Bank
untuk penguatan struktur permodalan Bank Muamalat dan Muamalat, especially for strengthening the capital structure
mendukung target bisnis yang telah dicanangkan. of Bank Muamalat and supporting the business targets that
have been set.

Laporan Manajemen
Management Report
Dewan Pengawas Syariah berpandangan, kekuatan aset dan The Sharia Supervisory Board believes that the strength of
permodalan Bank yang baik akan membuat ruang gerak the Bank's assets and good capital will create opportunities
Bank Muamalat menjadi semakin leluasa dalam industri for Bank Muamalat to become more flexible in the banking
perbankan dan daya jangkau Bank juga semakin luas dengan industry and to expand its reach with extensive office
sebaran jaringan kantor yang luas. networks.
Namun begitu, menghadapi kemungkinan adanya Nevertheless, the banking industry and its management will
kenaikan tingkat inflasi dan risiko resesi pada tahun face difficult challenges in responding and adapting to the
2023 akan memberikan tantangan yang tak mudah bagi possibility of an increase in the inflation rate and the risk of
industri perbankan dan manajemen untuk merespons dan a recession in 2023.
beradaptasi.
Dalam situasi seperti itu, DPS berharap manajemen Bank In such a situation, SSB hopes that the management of
Muamalat senantiasa menjaga unsur kehati-hatian dalam Bank Muamalat will always maintain prudential principles in
menjalankan kegiatan usahanya. DPS sangat mengapresiasi implementing its business activities. SSB highly appreciates
seluruh jajaran manajemen yang secara aktif dan responsif all levels of management who are active and responsive
melakukan langkah antisipasi pada Bank Muamalat melalui in taking anticipatory steps at Bank Muamalat through
peningkatan dalam proses bisnis serta tata kelola yang improvements in business processes and good governance.
baik. Begitu juga dengan penerapan prinsip-prinsip syariah Likewise, with the application of sharia principles to the
terhadap produk dan proses bisnis yang dijalankan. products and business processes that are carried out.
FOKUS 2022 FOCUS 2022

Pada tahun 2022, Dewan Pengawas Syariah Bank Muamalat In 2022, the Sharia Supervisory Board of Bank Muamalat
memiliki sejumlah fokus dalam pemenuhan aspek syariah focused on fulfilling sharia aspects as SSB recommendations
sebagai rekomendasi DPS kepada manajemen, baik terkait to management related to Bank Muamalat’s operations and
dengan operasional, maupun bisnis Bank. business.
Dari sisi produk dan layanan, DPS memberikan opini Regarding products and services, SSB provides insights on
terhadap usulan produk/aktivitas baru Bank Muamalat serta proposed new products/activities to Bank Muamalat and
melakukan kaji ulang produk-produk dan layanan existing reviews the Bank's existing products and services to ensure
Bank untuk memastikan kesesuaian produk dan Layanan their compatibility with sharia principles. In implementing
dengan prinsip syariah. Dalam implementasi aspek syariah, sharia aspects, the Sharia Supervisory Board is assisted by
Dewan Pengawas Syariah dibantu oleh Sharia Compliance the Sharia Compliance Officer to review and refine the Bank's
Officer melakukan review dan penyempurnaan terhadap policies, procedures, and Standard Operational Procedure
kebijakan, prosedur, dan Standard Operational Procedure (SOP) in order to comply with sharia principles. As for
(SOP) Bank Muamalat dalam rangka memenuhi prinsip- ensuring compliance at the implementation level, the Sharia
prinsip syariah. Adapun untuk memastikan kepatuhan dalam Supervisory Board conducts sampling tests at 14 (fourteen)
tataran implementasi, Dewan Pengawas Syariah melakukan branch offices periodically and in rotation. In addition, the
uji petik di 14 (empat belas) kantor cabang secara periodik Sharia Supervisory Board also develops analytical and
dan bergiliran. Selain hal tersebut, DPS juga melakukan monitoring tools on sharia aspects in order to provide
pengembangan pada perangkat analisa dan pengawasan appropriate and implementable inputs to management.
terhadap aspek syariah agar dapat memberikan masukan-
masukan yang tepat dan implementatif kepada manajemen .

Terkait dengan sisi sumber daya manusia, DPS telah meminta Regarding the human resources side, SSB has requested
kepada manajemen untuk meningkatkan skill dan knowledge the management to improve the skills and knowledge
seluruh jajaran karyawan pada segala level dalam hal of all employees at all levels related to the knowledge
pengetahuan tentang produk/aktivitas layanan perbankan of sharia banking product/service activities, both in
syariah, baik secara konsep maupun implementasi. DPS juga concept and implementation. SSB also organized Dirasat
menyelenggarakan kegiatan Dirasat Islamiyah sebanyak dua Islamiyah activities twice in 2022 as a medium for sharing
kali pada tahun 2022 sebagai media untuk sharing knowledge knowledge related to sharia aspects to the management
terkait aspek syariah ke jajaran manajemen Bank Muamalat. of Bank Muamalat. Furthermore, SSB also emphasizes
Selanjutnya, DPS juga menekankan insan Bank Muamalat Bank Muamalat personnel to continue to provide excellent
untuk terus memberikan service excellence pada setiap service in every service provided to maintain and increase
layanan yang diberikan untuk menjaga dan meningkatkan the competitiveness of the Bank's business, especially in the
competitiveness bisnis Bank, khususnya di dunia perbankan world of sharia banking.
syariah.
PENGAWASAN TERKAIT PENERAPAN DAN SUPERVISION RELATED TO THE IMPLEMENTATION

KEPATUHAN PRINSIP-PRINSIP SYARIAH AND COMPLIANCE OF SHARIA PRINCIPLES
Aktivitas pengawasan Dewan Pengawas Syariah mencakup The supervisory activities of the Sharia Supervisory Board
pengawasan terhadap pelaksanaan prinsip syariah dalam include supervising the implementation of sharia principles
kegiatan penghimpunan dana dan penyaluran dana serta in raising funds and channeling funds, and providing services.
pelayanan jasa. Pelaksanaan fungsi pengawasan DPS The implementation of the SSB supervisory function is
dibantu oleh Unit Sharia Compliance yang berada di bawah assisted by the Sharia Compliance Unit, which is under the
Direktur Kepatuhan. Pengawasan tersebut dilakukan melalui Director of Compliance. Supervision is conducted through
rapat rutin setiap bulan, memberikan opini atas produk/ regular monthly meetings, providing opinions on new
aktivitas dan program baru yang diterbitkan oleh unit products/activities and programs issued by business units,
bisnis, melakukan uji petik terhadap kegiatan operasional conducting sampling on operational activities of channeling
penyaluran dan penghimpunan dana, memberikan sharing and raising funds, providing knowledge sharing related to
knowledge terkait aspek syariah secara berkala ke semua level sharia aspects on a regular basis to all levels, and providing
serta memberikan advise dalam hal peningkatan akhlaqul advice in regards to the improvement of akhlaqul karimah
karimah. Detail atas pengawasan DPS selanjutnya termuat (noble character). Further details on SSB supervision are
secara rinci dalam Bab Laporan Tata Kelola Perusahaan contained in detail in the Corporate Governance Report
dalam laporan tahunan ini. Chapter of this annual report.
Ke depan, DPS berharap agar Bank dapat tumbuh lebih In the future, SSB hopes that the Bank can grow better
baik dari tahun sebelumnya. Peningkatan kinerja tersebut than the previous year. The performance improvement is
tidak terbatas pada kinerja pendapatan, melainkan not limited to revenue performance but also with regard
juga berkenaan dengan layanan dan produk. Selain itu, to services and products. Furthermore, it is expected that
diharapkan adanya peningkatan profesionalisme dalam there will be an improvement in professionalism within the
kerangka implementasi prinsip syariah secara komprehensif framework of a comprehensive implementation of sharia
pada seluruh rangkaian kinerja Bank. DPS beserta unit sharia principles in all of the Bank's performance series. SSB and the
compliance juga berencana untuk terus menyempurnakan Sharia Compliance Unit also plan to continue improving Bank
kebijakan, prosedur, dan Standard Operational Procedure Muamalat's policies, procedures, and Standard Operational
(SOP) Bank Muamalat sesuai dengan prinsip-prinsip syariah Procedures (SOP) pursuant to sharia principles and good
serta tata kelola perusahaan yang baik, agar dapat menjaga corporate governance to maintain Bank Muamalat's integrity
integritas Bank Muamalat sebagai Bank murni syariah as the first pure sharia bank in Indonesia.
pertama di Indonesia.

Laporan Manajemen
Management Report
Atas kinerja yang telah ditunjukkan pada tahun 2022, DPS For the performance shown in 2022, SSB also provided future
juga menyampaikan rekomendasi ke depan dalam rangka recommendations to fulfill sharia principles and comply with
pemenuhan prinsip-prinsip syariah serta kepatuhan applicable laws and regulations. SSB expects management to
terhadap peraturan perundang-undangan yang berlaku. always improve its professionalism and follow up on things
DPS berharap manajemen selalu berkomitmen dalam that need to be done to improve products and implement
peningkatan profesionalisme serta dapat melakukan tindak sharia aspects.
lanjut terhadap hal-hal yang perlu dilakukan dalam rangka
penyempurnaan produk dan implementasi dari aspek-aspek
syariah.
REALISASI KEGIATAN DPS SHARIA SUPERVISORY BOARD ACTIVITIES

REALIZATION
Sepanjang tahun 2022, Dewan Pengawas Syariah telah In 2022, the Sharia Supervisory Board held 12 (twelve)
melaksanakan 12 (dua belas) kali rapat rutin. Seluruh regular meetings. All SSB supervisory activities have been
kegiatan pengawasan DPS telah dikoordinasikan dengan coordinated with the Board of Commissioners and the
Dewan Komisaris dan Direksi melalui rapat rutin. Rapat Board of Directors through regular meetings. The meeting
dihadiri oleh anggota Dewan Komisaris dan Direksi dengan was attended by members of the Board of Commissioners
bidang tugas yang terkait dengan agenda yang dibahas pada and Board of Directors with duties related to the agenda
rapat tersebut. Jumlah rapat koordinasi dengan Dewan discussed at the meeting, which had been held 2 (two) times
Komisaris dan Direksi telah dilakukan sebanyak 2 (dua) kali in 2022.
sepanjang tahun 2022.
Selanjutnya bentuk pengawasan Dewan Pengawas Syariah Furthermore, the form of supervision of the Sharia
pada Bank Muamalat juga mencakup aspek penghimpunan Supervisory Board at Bank Muamalat also includes aspects
dana dan penyaluran dana serta pelayanan jasa. Dari of raising funds and channeling funds as well as providing
pengawasan tersebut, produk-produk penghimpunan dana, services. From this supervision, the products of fundraising,
penyaluran dana serta layanan-layanan Bank Muamalat the channeling of funds, and the services of Bank Muamalat
dinilai telah sesuai dengan prinsip syariah dan fatwa DSN- were assessed as complying with sharia principles and the
MUI. DPS juga telah melakukan kajian dan pembahasan DSN-MUI fatwa. SSB also conducted studies and discussed
usulan produk/aktivitas baru sepanjang tahun 2022 yang proposed new products/activities throughout 2022, the
detailnya termuat secara rinci dalam Bab Laporan Tata details of which are presented in the Corporate Governance
Kelola Perusahaan dalam laporan tahunan ini. Report Chapter of this annual report.
Selain itu, Dewan Pengawas Syariah melakukan uji petik In addition, the Sharia Supervisory Board conducted a
terhadap 14 (empat belas) kantor cabang dalam memastikan sampling of 14 (fourteen) branch offices to ensure the
penerapan kepatuhan syariah di unit bisnis Bank. Uji Petik implementation of sharia compliance in the Bank's business
dilakukan dengan cara berkunjung, mengamati dan/atau units. Pick Test is carried out by visiting, observing, and/or
sharing session dengan karyawan di beberapa Kantor Cabang sharing sessions with employees at several Bank Muamalat
Bank Muamalat, di antaranya: Branch Offices, including:

Tanggal
Cabang/Unit Kerja Branch/Work Unit
Date
Semester I tahun 2022 Kantor Cabang Ambon Ambon Branch Office

9 s.d 23 Mei 2022
First semester of 2022 Kantor Cabang Palembang Palembang Branch Office
May 9 to 23, 2022 Kantor Cabang Samarinda Samarinda Branch Office
Kantor Cabang Batam Batam Branch Office
Kantor Cabang Gorontalo Gorontalo Branch Office
Kantor Cabang Pekanbaru Pekanbaru Branch Office
Kantor Cabang Mataram Mataram Branch Office
Kantor Cabang Kelapa Gading Kelapa Gading Branch Office
Semester II tahun 2022 Kantor Cabang Pangkal Pinang Pangkal Pinang Branch Office
12 s.d 23 Desember 2022
Second semester of 2022 Kantor Cabang Bintaro Jaya Bintaro Jaya Branch Office
December 12 to 23, 2022 Kantor Cabang Sukabumi Sukabumi Branch Office
Kantor Cabang Solo Solo Branch Office
Kantor Cabang Kendari Kendari Branch Office
Kantor Pusat Fungsi Trade Finance Head Office, Trade Finance Function
PERUBAHAN KOMPOSISI DEWAN PENGAWAS CHANGES IN THE COMPOSITION OF THE

SYARIAH SHARIA SUPERVISORY BOARD
Sepanjang tahun buku 2022 tidak terdapat perubahan In 2022 fiscal year, there was no change in the composition
susunan Dewan Pengawas Syariah pada Bank Muamalat. of the Sharia Supervisory Board at Bank Muamalat. Following
Dengan demikian, komposisi Dewan Pengawas Syariah Bank is the composition of the Bank's Sharia Supervisory Board as
per 31 Desember 2022 ialah: of 31 December 2022:
Ketua Drs. H. Sholahudin Al-Aiyub, M.Si Chairman

Anggota Hj. Siti Haniatunnisa, LLB., MH Member
Anggota Dr. H. Agung Danarto, M.Ag Member
APRESIASI APPRECIATION
Dewan Pengawas Syariah memberikan apresiasi yang tinggi The Sharia Supervisory Board greatly appreciates all
kepada seluruh jajaran manajemen Bank Muamalat atas management levels of Bank Muamalat for achieving
pencapaian kinerja tahun 2022 dalam mewujudkan Bank performance in 2022 in realizing a healthy Bank and
yang sehat dan senantiasa patuh terhadap prinsip-prinsip always complying with sharia principles. In the view of
syariah. Dalam pandangan DPS, manajemen telah berupaya SSB, management has worked hard to optimize the Bank's
keras dalam mengoptimalkan kemampuan serta kekuatan capabilities and strengths to produce good performance
Bank untuk menghasilkan kinerja yang baik yang didukung supported by good corporate governance.
dengan tata kelola perusahaan yang baik.

Laporan Manajemen
Management Report
DPS berharap pencapaian tersebut menjadi fondasi bagi SSB hopes that this achievement will become the foundation
Bank Muamalat untuk terus melayani dan memberikan for Bank Muamalat to continue to serve and provide
manfaat yang sebesar-besarnya bagi umat serta mendorong maximum benefits for the people as well as encourage
dan semakin mengukuhkan komitmen Bank Muamalat and further strengthen Bank Muamalat's commitment
dalam menjaga pemenuhan prinsip-prinsip syariah serta to maintaining compliance with sharia principles and
kepatuhan atas peraturan perundang-undangan yang compliance with applicable laws and regulations. Hopefully,
berlaku. Semoga seluruh jajaran manajemen dan insan all levels of management and employees of Bank Muamalat
Bank Muamalat senantiasa memegang teguh prinsip-prinsip will always adhere to sharia principles in carrying out every
syariah dalam menjalankan setiap kegiatan bisnisnya business activity in order to provide optimal services and
guna memberikan layanan dan manfaat yang optimal benefits for the community. As the Sharia Supervisory
bagi masyarakat. Kami selaku Dewan Pengawas Syariah Board, we expect all constructive input from shareholders
mengharapkan segala masukan yang membangun dari and stakeholders so that in the future, Bank Muamalat can
para pemegang saham dan pemangku kepentingan agar be of benefit and pride to the people of Indonesia.
Bank Muamalat ke depannya dapat menjadi manfaat dan
kebanggaan bagi masyarakat Indonesia.
Mudah-mudahan atas apa yang telah dilakukan maupun Hopefully, for all the efforts that have been made or planned
direncanakan dalam upaya memajukan Bank Muamalat to advance Bank Muamalat, we will receive the blessing
diridai serta mendapat pertolongan Allah SWT. Semoga and help of Allah SWT. May His wisdom, guidance, and help
taufik dan hidayah serta inayah-Nya selalu menyertai kita always be with us all in all our endeavors in this world and
semua untuk mencapai kesuksesan di dunia maupun di the hereafter.
akhirat kelak.
Wassalamualaikum Warahmatullahi Wabarakatuh. Wassalamualaikum Warahmatullahi Wabarakatuh.
Jakarta, 18 April 2023
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

Laporan Manajemen
Management Report
Laporan Komisaris
Board of Commissioner's Report
Amin Said Husni
Komisaris Independen/Plt Komisaris Utama

Independent Commissioner/ Acting President
Commissioner

Dewan Komisaris menilai bahwa Direksi telah

berupaya menjalankan kegiatan usaha perbankan
sesuai dengan Rencana Bisnis Bank (RBB) yang
telah ditetapkan termasuk perubahannya. Direksi
juga telah menyampaikan kepada Dewan Komisaris
terkait aspek kepatuhan terhadap seluruh peraturan
dan perundang-undangan yang berlaku, termasuk
kepatuhan terhadap aspek syariah.
The Board of Commissioners considers that the Board of Directors has endeavored to
carry out banking business activities in accordance with the established RBB, including
its revisions. The Board of Directors has also conveyed to the Board of Commissioners
the aspects of compliance with all applicable laws and regulations, including sharia
compliance.


Para Pemegang Saham dan Pemangku Distinguished Shareholders and Stakeholders,

Kepentingan yang Terhormat,
Berkat nikmat dan karunia Allah SWT, PT Bank Muamalat Thanks to the favor and grace of Allah SWT, PT Bank Muamalat
Indonesia Tbk (“Bank Muamalat”, “BMI” “Bank”) mampu Indonesia Tbk ("Bank Muamalat", "BMI", or "the Bank") was
melewati tahun 2022 dengan kinerja yang lebih baik able to navigate through 2022 with better performance than
dibandingkan tahun sebelumnya. Tentu pencapaian itu the previous year. This was a challenging achievement, given
tidak mudah, mengingat kondisi perekonomian global yang the uncertain global economic conditions as manifested in,
mengalami ketidakpastian seperti ekonomi Amerika Serikat for example, the economic slowdown in the United States
(AS) dan Eropa menghadapi perlambatan. (US) and Europe.
Dinamika global itu disebabkan oleh terganggunya rantai The global dynamic was caused by the disruption of the
pasok perdagangan global akibat perang Rusia dan Ukraina, global trade supply chain due to the Russia-Ukraine conflict,
sehingga menyebabkan kenaikan harga. Lonjakan inflasi causing price increases. A spike in inflation was inevitable,
pun tak terhindarkan, sehingga mendorong bank sentral di prompting central banks in many countries, such as the
banyak negara, seperti bank sentral AS, The Federal Reserve US central bank, The Federal Reserve (The Fed), to raise
(The Fed), menaikkan suku bunga acuan. Belakangan, Bank benchmark interest rates. Later, Bank Indonesia adopted
Indonesia mengambil kebijakan serupa untuk meredam a similar policy to curb inflation and control the weakening
inflasi dan mengendalikan nilai tukar rupiah yang melemah. rupiah exchange rate.

Laporan Manajemen
Management Report
Namun demikian, perekonomian Indonesia tetap tangguh However, the Indonesian economy remained resilient in the
menghadapi perkembangan global yang terjadi. Badan face of global developments. The Central Statistics Agency
Pusat Statistik (BPS) mencatat pertumbuhan ekonomi (BPS) recorded that Indonesia's economic growth reached
Indonesia mencapai 5,31% secara tahunan (year on year/ 5.31% on an annual basis (year on year / yoy). This was
yoy). Bahkan lebih tinggi dari pencapaian 2021 yang sebesar even higher than 2021's achievement of 3.70%. Household
3,70%. Konsumsi rumah tangga yang menjadi penopang consumption, which supports the national economy, grew
perekonomian nasional, tumbuh 4,93% (yoy). Investasi dan by 4.93% (yoy). Investments and exports also grew positively.
ekspor juga tumbuh positif.
Sejalan dengan kondisi perekonomian yang membaik, fungsi In line with improving economic conditions, the banking
intermediasi perbankan juga bergerak positif. Pertumbuhan intermediation function is also moving positively. The
kredit perbankan pada Desember 2022 tumbuh 11,35% position of bank credit in December 2022 has grown by
(yoy), sementara tahun sebelumnya hanya 5,24% 11.35% (yoy), compared to only 5.24% (yoy) in the previous
(yoy). Peningkatan pertumbuhan kredit terjadi merata pada year. The increase in credit growth occurred evenly across
seluruh sektor ekonomi dan jenis kredit, terutama Kredit all sectors of the economy and types of credit, especially in
Investasi dan Kredit Modal Kerja. Investment Credit and Working Capital Credit.
Pemulihan fungsi intermediasi bank juga terjadi pada The recovery of the banking intermediary function also
perbankan syariah, dengan pertumbuhan pembiayaan occurred in the Islamic banking sector, with financing growth
pada 2022 sebesar 20,1% (yoy). Pencapaian itu lebih tinggi of 20.1% (yoy) in 2022. This achievement was higher than the
dibandingkan tahun sebelumnya yang sebesar 6,6% (yoy). previous year, which amounted to 6.6% (yoy).
Dalam situasi yang dinamis tersebut, kinerja Bank Mualamat In this dynamic situation, Bank Mualamat's performance also
juga bergerak positif. Pencapaian laba sebelum pajak (PBT) moved positively. The Bank recorded a growth of 315.67% in
tahun 2022 tercatat tumbuh sebesar 315,67% dibandingkan Profit Before Tax (PBT) over the level in the previous year.
tahun sebelumnya.
Pencapaian tersebut tentu patut disyukuri. Karena itu, This achievement is undoubtedly something to be grateful
Dewan Komisaris menghargai kerja keras Direksi dalam for. Therefore, the Board of Commissioners appreciates
hal pemenuhan strategi Rencana Bisnis Bank 2022 serta the hard work of the Board of Directors in successfully
hasil yang dicapai. Dewan Komisaris berpandangan bahwa implementing the 2022 Bank Business Plan strategy and
sepanjang tahun buku 2022, Direksi telah bekerja dengan the results achieved. The Board of Commissioners believes
cukup baik. that the Board of Directors has taken the correct actions
throughout the 2022 financial year.
Sejalan dengan hal tersebut, Dewan Komisaris berharap Alongside this development, the Board of Commissioners
adanya keberlanjutan pemulihan ekonomi di periode- expects a sustained economic recovery in the coming
periode yang akan datang. Dengan demikian, kegiatan periods. Thus, business activities, including those of the
usaha, termasuk kegiatan bisnis Bank, dapat kembali Bank, can return to normal and generate added value for all
berjalan dengan normal dan mampu menghasilkan nilai stakeholders.
tambah bagi seluruh pemangku kepentingan.
PENILAIAN TERHADAP KINERJA DIREKSI ASSESSMENT OF THE PERFORMANCE OF THE

BOARD OF DIRECTORS
Dasar Penilaian Basis of Assessment

Penilaian Dewan Komisaris terhadap kinerja Direksi The Board of Commissioners' assessment of the performance
didasarkan pada pencapaian finansial dan non-finansial. of the Board of Directors is based on financial and non-
Dalam pencapaian finansial, di antara faktor yang diukur financial achievements. Among the factors measured in
adalah pemenuhan target-target yang telah ditetapkan terms of financial achievements is the fulfillment of targets in
dalam Rencana Bisnis Bank. Misalnya, dari sisi pencapaian the Bank Business Plan. This includes asset value, financing
nilai aset, penyaluran pembiayaan, Dana Pihak Ketiga (DPK), disbursement, Third Party Funds (DPK), operating expenses,
biaya operasional, dan pendapatan operasional. and operating income.

Pencapaian finansial lain yang menjadi perhatian Dewan Other financial achievements that are of concern to the Board
Komisaris adalah rasio-rasio penting seperti Non-Performing of Commissioners are key ratios such as Non-Performing
Financing (NPF), Return on Asset (ROA), Return on Equity (ROE). Financing (NPF), Return on Asset (ROA), and Return on Equity
Untuk pencapaian non-finansial, misalnya terkait dengan (ROE). Non-financial achievements, for example, are related
penerapan tata kelola perusahaan yang baik atau Good to implementing good corporate governance (GCG).
Corporate Governance (GCG).
Dalam menjalankan tugasnya, Dewan Komisaris selalu In carrying out its duties, the Board of Commissioners
memastikan terselenggaranya pelaksanaan prinsip-prinsip always ensures the implementation of GCG principles in
GCG dalam setiap kegiatan usaha Bank Muamalat pada every business activity of Bank Muamalat at all levels of the
seluruh tingkatan atau jenjang organisasi. Dewan Komisaris organization. The Board of Commissioners also monitors the
juga memantau pelaksanaan seluruh rencana dan strategi performance of all plans and strategies set by the Bank as
yang telah ditetapkan Bank seperti tertuang dalam Rencana stated in the Bank Business Plan of PT Bank Muamalat Tbk
Bisnis Bank PT Bank Muamalat Tbk Tahun 2022. Year 2022.
HASIL PENILAIAN RESULT OF ASSESSMENT

Mengacu pada sejumlah pertimbangan tersebut, Dewan Based on these considerations, the Board of Commissioners
Komisaris berpandangan bahwa secara umum, kinerja believes that in general, the performance of the Board of
Direksi pada tahun buku 2022 cukup baik. Hal itu tercermin Directors in fiscal year 2022 was outstanding. This is reflected
dari beragam pencapaian yang diperoleh Bank. in the various achievements obtained by the Bank.
Dari sisi finansial misalnya, Bank Muamalat berhasil In terms of finances, for example, Bank Muamalat managed
mencapai pertumbuhan aset, pembiayaan, dan profitabilitas to achieve positive growth in assets, financing, and
yang positif. Dibandingkan tahun sebelumnya, aset Bank profitability. Compared to the previous year, the Bank's total
tumbuh 4,18%, pembiayaan naik 4,33%, dan laba sebelum assets grew by 4.18%, financing rose by 4.33%, and profit
pajak (PBT) lebih tinggi 315,67%. before tax (PBT) was 315.67% higher.
Sementara jika dilihat dari sisi penghimpunan dana, pada Meanwhile, regarding fund collection, the amount of
tahun 2022 jumlah Dana Pihak Ketiga (DPK) Bank mengalami the Bank’s Third Party Funds (DPK) in 2022 decreased by
penurunan sebesar Rp728 miliar. Namun hal ini tidak Rp728 billion. However, it did not affect the Bank's overall
banyak mempengaruhi kinerja Bank secara keseluruhan. performance. The Bank's positive financial achievements
Pencapaian finansial Bank yang positif tersebut didukung were supported by various initiatives in various areas,
oleh berbagai inisiatif Bank dalam berbagai hal di antaranya including capital strengthening initiatives and initiatives in
inisiatif penguatan modal serta inisiatif dalam digital banking. digital banking.
Dalam hal inisiatif terkait digital banking, Bank terus Regarding digital banking initiatives, the Bank continues to
melakukan pengembangan digital melalui Muamalat Digital develop its digital capabilities through the Muamalat Digital
Islamic Network (MDIN). Inisiatif tersebut merupakan Islamic Network (MDIN). This initiative is a response to the
respons terhadap perkembangan kebutuhan nasabah akan trend of customer preferences for digital banking and the
perbankan digital serta pesatnya pertumbuhan transaksi rapid growth of digital transactions since the outbreak of the
digital sejak pandemi COVID-19. COVID-19 pandemic.
Hingga kini, telah terdapat berbagai fitur unggulan dalam To date, the MDIN offers a variety of excellent features, such
MDIN, seperti fitur biometric login, fitur auto read One Time as biometric login, One Time Password auto-read, Islamic
Password, fitur konten Islami, dan fitur pembayaran dengan content features, and payment features using QR Code.
menggunakan QR Code. Fitur ini terhubung dengan Quick This last feature is connected to the Quick Response Code
Response Code Indonesian Standard (QRIS). Indonesian Standard (QRIS).

Laporan Manajemen
Management Report
Inisiatif digital banking Bank tersebut telah mendapat Bank Muamalat's digital banking initiative has received
pengakuan dari pihak eksternal seperti yang ditunjukkan recognition from external parties as shown in the various
dalam berbagai penghargaan yang diterima. Salah satu awards received. One of the awards in terms of digital
penghargaan dalam hal digital banking yang diterima Bank banking received by the Bank is "The Best Bank in Digital
adalah “The Best Bank in Digital Services” dalam ajang Services" in the TEMPO Financial Award (FTA) 2022.
TEMPO Financial Award (FTA) 2022.
PENGAWASAN TERHADAP PERUMUSAN DAN OVERSIGHT OF STRATEGY FORMULATION AND

IMPLEMENTASI STRATEGI IMPLEMENTATION
Dewan Komisaris telah melakukan review terhadap The Board of Commissioners has reviewed the Bank's
perumusan strategi Bank yang disusun oleh Direksi strategy formulation prepared by the Board of Directors
seperti tertuang dalam Rencana Bisnis Bank. Dalam as set out in the Bank Business Plan (RBB). The document
dokumen tersebut dipertimbangkan, baik terkait dengan considers several factors, both related to external and
kondisi eksternal maupun internal Bank yang berpotensi internal conditions, that have the potential to affect the
mempengaruhi kinerja Bank, serta prospek usaha yang perlu Bank's performance, as well as business prospects that need
menjadi perhatian khusus oleh Direksi. Dewan Komisaris special attention from the Board of Directors. The Board of
telah memberikan persetujuan terhadap Rencana Bisnis Commissioners then approved the Bank Business Plan of PT
Bank PT Bank Muamalat Indonesia Tbk Tahun 2022. Bank Muamalat Indonesia Tbk Year 2022.
Sepanjang tahun 2022, Dewan Komisaris telah berupaya Throughout 2022, the Board of Commissioners has
melakukan pemantauan yang bertujuan untuk memastikan endeavored to conduct monitoring to ensure that the
bahwa pelaksanaan strategi dan bisnis Bank telah berada di implementation of the Bank's strategy and business is on
jalur yang benar. Bank tetap mematuhi regulasi yang berlaku the right track. The Bank continues to comply with applicable
baik secara legal maupun dalam koridor syariah. regulations both legally and within the sharia corridor.
Dewan Komisaris menilai bahwa Direksi telah berupaya The Board of Commissioners considers that the Board of
menjalankan kegiatan usaha perbankan sesuai dengan Directors has endeavored to carry out banking business
Rencana Bisnis Bank (RBB) yang telah ditetapkan termasuk activities in accordance with the established RBB, including
perubahannya. Direksi juga telah menyampaikan kepada its revisions. The Board of Directors has also conveyed to the
Dewan Komisaris terkait aspek kepatuhan terhadap seluruh Board of Commissioners the aspects of compliance with all
peraturan dan perundang-undangan yang berlaku, termasuk applicable laws and regulations, including sharia compliance.
kepatuhan terhadap aspek syariah. Oleh karena itu, Dewan Therefore, the Board of Commissioners appreciates the
Komisaris mengapresiasi kinerja Direksi dalam pemenuhan performance of the Board of Directors in meeting the RBB
target dari RBB tersebut. targets.
Terdapat 3 (tiga) pilar strategis yang telah dilakukan oleh There are 3 (three) strategic pillars carried out by the Board of
Direksi yang mendorong pencapaian kinerja BMI tahun Directors to support the achievement of BMI's performance
2022. Untuk pilar pertama, yaitu Build Synergy & Smart in 2022. The first pillar, Build Synergy & Smart Banking
Banking Ecosystem, didukung oleh 3 (tiga) inisiatif: Integration Ecosystem, is supported by 3 (three) initiatives: Integration &
& Business Synergy with BPKH; Build Lucrative Islamic Business Business Synergy with BPKH; Build Lucrative Islamic Business
Ecosystem; serta Accelerate Digital Transformation. Ecosystem; and Accelerate Digital Transformation.
Sedangkan pilar kedua, yakni Drive Profitable Business, While the second pillar, namely Drive Profitable Business, is
ditopang oleh 3 (tiga) inisiatif: Low Cost Fund Acquisition; supported by 3 (three) initiatives: Low Cost Fund Acquisition;
Aggressive Fee Based Income: dan Efficient Business Process and Aggressive Fee Based Income; and Efficient Business Process
Organization. and Organization.

Pilar ketiga, Strengthen Portfolio Management, juga The third pillar, Strengthen Portfolio Management, was
direalisasikan melalui 3 (tiga) inisiatif: Robust Financing also realized through 3 (three) initiatives: Robust Financing
Growth; New Approach Bad Bank Recovery; dan Prudent and Growth; New Approach Bad Bank Recovery; and Prudent
Proactive Risk Management. and Proactive Risk Management.
MEKANISME DEWAN KOMISARIS DALAM MECHANISM OF THE BOARD OF COMMISSIONERS

MELAKUKAN PENGAWASAN IN CONDUCTING SUPERVISION
Dalam menjalan fungsi pengawasan dan pemberian nasihat The Board of Commissioners discharges its supervisory
kepada Direksi, Dewan Komisaris menyampaikannya melalui and advisory functions to the Board of Directors through
mekanisme rapat Dewan Komisaris dengan mengundang the mechanism of the Board of Commissioners meeting by
Direksi pada forum rapat gabungan. Sepanjang tahun inviting the Board of Directors (in a joint meeting forum).
2022, Dewan Komisaris mengadakan rapat bersama Direksi Throughout 2022, the Board of Commissioners held 15 joint
sebanyak 15 kali. meetings with the Board of Directors.
Dalam rapat tersebut, Dewan Komisaris memberikan arahan In these meetings, the Board of Commissioners provided
serta nasihat kepada Direksi. Arahan tersebut disampaikan direction and advice to the Board of Directors. These were
setelah Dewan Komisaris memahami penjelasan atas suatu delivered after the Board of Commissioners understood the
permasalahan yang disampaikan oleh Direksi. explanation of issues presented by the Board of Directors.
Selain melalui mekanisme rapat, Dewan Komisaris juga In addition to the meeting mechanism, the Board of
dapat memberikan saran dan nasihat kepada Direksi Commissioners can advise and counsel the Board of Directors
melalui berbagai metode. Misalnya, meminta keterangan through other methods. For example, by requesting the
atau penjelasan kepada Direksi tentang suatu permasalahan Board of Directors to provide information or explanation
yang terjadi. Kemudian, memberikan pendapat atau arahan regarding a problem. Also, providing opinions or directions
berkenaan dengan permasalahan tersebut dalam rapat regarding the issue in the Board of Commissioners meeting
Dewan Komisaris dengan Direksi atau rapat-rapat lain. with the Board of Directors or other meetings.
Selain itu, Dewan Komisaris dapat melakukan kunjungan In addition, the Board of Commissioners may visit
ke unit kerja/cabang tertentu dalam rangka melakukan specific work units/branches to supervise first-hand the
pengawasan terhadap pelaksanaan kegiatan operasional implementation of BMI's operational activities, such as
BMI, seperti pemasaran, SDM, keuangan dan lainnya. Dewan marketing, human resources, finance, etc. The Board of
Komisaris juga memberikan tanggapan atas laporan berkala Commissioners also provides feedback on periodic reports
yang disiapkan oleh Direksi. prepared by the Board of Directors.
PANDANGAN ATAS PROSPEK USAHA OVERVIEW OF BUSINESS PROSPECTS

Dewan Komisaris berpandangan, tahun 2023 akan menjadi The Board of Commissioners believes that 2023 will be
tahun yang penuh optimisme bagi Bank Muamalat. a year of optimism for Bank Muamalat. With the Bank's
Dengan pencapaian Bank di tahun 2022, Dewan Komisaris achievements in 2022, the Board of Commissioners believes
meyakini bahwa Direksi telah melakukan upaya terbaik that the Board of Directors has made the best efforts in
dalam menyusun dan mengimplementasikan strategi, formulating and implementing strategies, controlling risks,
mengendalikan risiko, serta menerapkan praktik tata kelola and implementing corporate governance practices while
perusahaan yang tetap sesuai dengan prinsip-prinsip remaining within the corridor of sharia principles.
syariah.

Laporan Manajemen
Management Report
Dewan Komisaris menilai bahwa ke depan, salah satu fokus The Board of Commissioners considers that going forward,
utama Bank adalah untuk melakukan perbaikan kualitas one of the Bank's main focuses is to improve the quality of
neraca yang diharapkan turut meningkatkan kualitas its balance sheet, which is expected to enhance the Bank's
profitabilitas Bank. Fokus utama lainnya, yaitu memperkuat profitability. Another main focus is to strengthen the Bank’s
permodalan. capital structure.
Dalam hal peningkatan kualitas neraca, Dewan Komisaris In terms of improving the quality of the balance sheet, the
akan mendorong peningkatan penyaluran serta kualitas Board of Commissioners will encourage an increase in the
pembiayaan. Peningkatan tersebut diharapkan dapat disbursement and quality of financing. This is expected
mengoptimalkan peran Bank sebagai lembaga intermediasi to optimize the Bank's role as a financial intermediary.
keuangan. Selain itu, Bank juga akan fokus pada upaya In addition, the Bank will also focus on efforts to improve
perbaikan likuiditas melalui peningkatan rasio CASA dan liquidity by increasing the CASA ratio and will focus on the
akan fokus pada target segmen yang telah ditetapkan. determined target segments.
Di tahun 2023 juga, Bank Muamalat berencana untuk In 2023, Bank Muamalat also plans to list its shares on the
melakukan pencatatan saham di Bursa Efek Indonesia Indonesia Stock Exchange as mandated by the Financial
sebagaimana mandat Peraturan Otoritas Jasa Keuangan Services Authority Regulation (POJK) and the direction of
(POJK) serta arahan dari regulator. Upaya-upaya untuk regulators. Efforts to maximize value for shareholders will
memaksimalkan nilai bagi pemegang saham akan terus continue to be made to ensure the successful execution of
dilakukan untuk menyukseskan rencana aksi korporasi the corporate action plan in the form of a stock exchange
dalam bentuk pencatatan saham di bursa. listing.
PENERAPAN TATA KELOLA PERUSAHAAN IMPLEMENTATION OF CORPORATE

GOVERNANCE
Penerapan Good Corporate Governance (GCG) merupakan The implementation of Good Corporate Governance (GCG)
tanggung jawab moral Bank yang diharapkan dapat is the Bank's moral responsibility which is expected to
memberikan kontribusi bagi pertumbuhan Bank dan contribute to the growth of the Bank and Islamic banking
perbankan syariah di Indonesia. Dalam menjalankan in Indonesia. In carrying out its business activities, Bank
kegiatan bisnisnya, Bank Muamalat selalu berupaya Muamalat always strives to prioritize compliance with
untuk mengedepankan keseuaian dengan prinsip GCG, di GCG principles, including transparency, accountability,
antaranya adalah transparency, accountability, responsibility, responsibility, professionalism, and fairness.
professional, dan fairness.
Dewan Komisaris dalam penerapan prinsip GCG tidak In the implementation of GCG principles, the Board of
hanya bertanggung jawab pada hasil, tapi juga termasuk Commissioners is responsible for the results and monitoring
pemantauan proses penerapan prinsip GCG tersebut. the process of implementing the GCG principles. Throughout
Sepanjang tahun 2022, Dewan Komisaris menilai 2022, the Board of Commissioners assessed that the
implementasi penerapan prinsip GCG di Bank Muamalat implementation of GCG principles in Bank Muamalat
telah berjalan dengan baik dan segala upaya yang dilakukan has been running well and all efforts made by the Bank's
oleh manajemen Bank pada tahun buku tersebut telah management in the financial year have had a positive
memberikan pengaruh positif yang dicerminkan dalam influence, as reflected in the achievement of targets.
pencapaian target.
KETERLIBATAN DEWAN KOMISARIS PADA BOARD OF COMMISSIONERS INVOLVEMENT IN

PENERAPAN WHISTLEBLOWING SYSTEM WHISTLEBLOWING SYSTEM IMPLEMENTATION
Whistleblowing System merupakan sistem pelaporan The Whistleblowing System mechanism allows stakeholders,
pelanggaran yang memungkinkan para pemangku both internal and external, to report fraud that occurs in
kepentingan, baik internal maupun eksternal untuk the Bank's business processes. The system will protect the
dapat melaporkan kecurangan yang terjadi dalam proses reporter's identity as long as the report submitted can be
bisnis Bank. Dalam sistem ini, pelapor dapat dilindungi accounted for.
identitasnya selama laporan yang diberikan dapat
dipertanggungjawabkan.

Dewan Komisaris turut berperan dalam penerapan The Board of Commissioners plays a role in implementing the
mekanisme Whistleblowing System, yaitu dengan Whistleblowing System mechanism, namely by monitoring
melakukan pemantauan dan memberikan wewenang and authorizing the follow-up of incoming reports. The
untuk menindaklanjuti pelaporan yang masuk. Adapun monitoring carried out by the Board of Commissioners,
pemantauan yang dilakukan Dewan Komisaris, antara lain among others, includes violations of business and work
meliputi terjadinya pelanggaran etika bisnis dan etika kerja ethics and confidentiality.
serta kerahasiaan bank.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF COMMITTEES

DEWAN KOMISARIS UNDER THE BOARD OF COMMISSIONERS
Dalam melakukan fungsi pengawasan, Dewan Komisaris In performing its supervisory function, the Board
dibantu oleh 4 (empat) organ penunjang, yaitu Komite Audit, of Commissioners is assisted by 4 (four) supporting
Komite Pemantau Risiko, Komite Nominasi dan Remunerasi, organs, namely the Audit Committee, Risk Monitoring
serta Komite Tata Kelola Perusahaan. Sepanjang tahun Committee, Nomination and Remuneration Committee,
buku 2022, seluruh komite tersebut telah memberikan and the Corporate Governance Committee. Throughout
rekomendasi kepada Dewan Komisaris sesuai dengan the 2022 financial year, all committees have provided
fungsinya masing-masing. recommendations to the Board of Commissioners in
accordance with their respective functions.
Dewan Komisaris telah melakukan penilaian yang The Board of Commissioners has assessed the committees’
didasarkan pada keaktifan Komite dalam menjalankan activities in carrying out their duties, the documentation
tugasnya, proses dokumentasi, serta rekomendasi yang process, and the recommendations provided. Based on
diberikan. Berdasarkan penilaian tersebut, Dewan Komisaris this assessment, the Board of Commissioners considers
menilai bahwa seluruh Komite telah menjalankan fungsi dan that all Committees have carried out their functions and
tanggung jawabnya dengan baik dan telah berkontribusi responsibilities well and have significantly contributed to the
besar terhadap pertumbuhan Bank. Bank's growth.
PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES IN THE COMPOSITION OF THE BOARD

OF COMMISSIONERS
Sepanjang tahun 2022, komposisi Dewan Komisaris telah During 2022, the composition of the Board of Commissioners
mengalami perubahan sebanyak 2 (dua) kali. Pertama, Rapat has changed 2 (two) times. First, the Extraordinary General
Umum Pemegang Saham Luar Biasa (RUPSLB) tanggal 24 Meeting of Shareholders (EGMS) on 24 June 2022 ratified
Juni 2022 telah mengesahkan pengunduran diri Ilham Akbar the resignation of Ilham Akbar Habibie from his position as
Habibie dari jabatannya selaku Komisaris Utama sekaligus President Commissioner and Independent Commissioner
Komisaris Independen sebagaimana dinyatakan dalam surat as stated in his resignation letter dated 19 May 2022. The
pengunduran dirinya tertanggal 19 Mei 2022. Posisi jabatan position of President Commissioner was then assigned to
Komisaris Utama selanjutnya ditugaskan kepada Iggi H. Iggi H. Achsien.
Achsien.
RUPSLB tersebut juga memberhentikan secara hormat Juni The EGMS also honorably dismissed Juni Supriyanto and
Supriyanto dan Edy Setiadi dari jabatannya sebagai Komisaris. Edy Setiadi from their respective position as Commissioner.
Selanjutnya, RUPSLB mengesahkan pengangkatan Sartono Further, the EGMS ratified the appointment of Sartono and
dan Amir Said Husni sebagai anggota Dewan Komisaris Amir Said Husni respectively as Commissioner and at the
sekaligus Komisaris Independen, serta KH. Marsudi Syuhud same time Independent Commissioner, and KH. Marsudi
sebagai Komisaris. Syuhud as Commissioner.

Laporan Manajemen
Management Report
Dewan Komisaris mengucapkan terima kasih kepada The Board of Commissioners would like to thank Ilham
Ilham Akbar Habibie, Juni Supriyanto, dan Edy Setiadi atas Akbar Habibie, Juni Supriyanto, and Edy Setiadi for their
kontribusi yang telah diberikan terhadap Bank Muamalat contributions to Bank Muamalat over the years.
Indonesia selama ini.
Kedua, Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) Second, the Extraordinary General Meeting of Shareholders
tanggal 29 November 2022 memberhentikan dengan (EGMS) on 29 November 2022 respectfully dismissed Iggi H.
hormat Iggi H. Achsien dari jabatannya sebagai Komisaris Achsien from his position as President Commissioner and
Utama sekaligus Komisaris Independen, Sulistyo Budi dari Independent Commissioner, Sulistyo Budi from his position
jabatannya sebagai Komisaris, dan KH. Marsudi Syuhud as Commissioner, and KH. Marsudi Syuhud from his position
dari jabatannya sebagai Komisaris. Dewan Komisaris as Commissioner. The Board of Commissioners would like to
mengucapkan terima kasih kepada Iggi H. Achsien, Sulistyo thank Iggi H. Achsien, Sulistyo Budi, and KH. Marsudi Syuhud
Budi, dan KH. Marsudi Syuhud atas kontribusi yang telah for their contributions to Bank Muamalat over the years.
diberikan terhadap Bank Muamalat Indonesia selama ini.
Dengan demikian, susunan Dewan Komisaris hingga laporan Thus, the composition of the Board of Commissioners until
ini diterbitkan adalah sebagai berikut: this report is published is as follows:
Komisaris Utama Independen Mardiasmo*) Independent President Commissioner

Komisaris Independen Sartono Independent Commissioner
Komisaris Independen Amin Said Husni Independent Commissioner
Komisaris Independen Suwarta*) Independent Commissioner
Komisaris Andre Mirza Hartawan Commissioner
*)
Efektif menjabat setelah mendapatkan persetujuan penilaian kemampuan dan kepatutan OJK.
Effectively in office following OJK approval of fit and proper test.
PENUTUP DAN APRESIASI CLOSING AND APPRECIATION
Dewan Komisaris menyampaikan terima kasih kepada The Board of Commissioners would like to thank the
Pemegang Saham atas kepercayaan dan dukungannya, Shareholders for their trust and support so that the Board of
sehingga Dewan Komisaris dapat menjalankan tugas Commissioners can carry out its duties and responsibilities
dan tanggung jawabnya dengan baik. Begitu juga satisfactorily. Likewise, with the regulators, the Board of
dengan regulator, Dewan Komisaris berterima kasih atas Commissioners is grateful for their guidance in fulfilling the
bimbingannya dalam memenuhi peraturan perundang- applicable laws and regulations.
undangan yang berlaku.
Dewan Komisaris memberikan apresiasi yang setinggi- The Board of Commissioners gives its highest appreciation to
tingginya kepada Direksi dan jajaran manajemen Bank the Board of Directors, the management of Bank Muamalat,
Muamalat serta seluruh karyawan. Komitmen, dedikasi and all employees. The commitment, dedication, and hard
serta kerja keras yang dikontribusikan merupakan kunci work provided are the key to the Bank's achievement in
pencapaian Bank untuk melalui masa-masa yang penuh going through challenging times in the 2022 financial year.
tantangan pada tahun buku 2022.

Dewan Komisaris juga menyampaikan terima kasih kepada The Board of Commissioners also expresses gratitude
nasabah atas kepercayaannya kepada Bank serta dukungan to customers for their trust in the Bank and to business
dari mitra kerja. Semoga Allah SWT senantiasa memberikan partners for their support. May Allah SWT always give His
karunianya dan menguatkan langkah Bank Muamalat blessings and strengthen Bank Muamalat Indonesia's steps
menuju masa depan yang lebih baik. toward a better future.
Amin Said Husni

Komisaris Independen/Plt Komisaris Utama
Independent Commissioner/Acting President Commissioner

Laporan Manajemen
Management Report
Dewan Komisaris
Board of Commissioners
Andre Mirza Hartawan Mardiasmo*)

Komisaris Komisaris Utama Independen
Commissioner Independent President Commissioner
*)

Amin Said Husni Sartono Suwarta*)

Komisaris Independen/Plt Komisaris Utama Komisaris Independen Komisaris Independen
Independent Commissioner/Acting President Independent Commissioner Independent Commissioner
Commissioner

Laporan Manajemen
Management Report
Laporan Direksi
Board of Director's Report
Indra Falatehan
Direktur Utama
President Director

Fundamental permodalan Bank pada tahun 2022

semakin kuat dengan kehadiran pemegang saham
pengendali baru, sehingga membuka ruang bagi
Bank untuk ekspansi dan inovasi.
The Bank's capital fundamental strengthened with the presence of the new controlling
shareholder in 2022, which lead to further expansion and innovation.


Para Pemegang Saham dan Pemangku Dear Esteemed Shareholders and

Kepentingan yang Terhormat, Other Stakeholders,
Puji dan syukur kepada Allah Subhanahu wa Ta’ala, Tuhan Praise and gratitude be to Allah Subhanahu wa Ta'ala,
Semesta Alam atas nikmat dan karunia yang dilimpahkan, for with His blessings and grace, PT Bank Muamalat
PT Bank Muamalat Indonesia Tbk ("Bank Muamalat", "BMI", Indonesia Tbk ("Bank Muamalat", "BMI", "Bank") was
"Bank") dapat melalui tahun 2022 dengan baik di tengah able to navigate safely through 2022 amidst challenging
kondisi perekonomian yang penuh dengan tantangan. Pada economic conditions. During the financial year, the impact
tahun buku tersebut, dampak pandemi COVID-19 masih of the COVID-19 pandemic was still being felt. Political and
terasa. Bahkan di tingkat global terjadi ketidakstabilan economic instability at the global level have had an impact
politik dan ekonomi, sehingga berdampak pada aktivitas on domestic economic activity.
perekonomian domestik.
Dalam situasi tersebut, perekonomian Indonesia Under these circumstances, the Indonesian economy shows
menunjukkan kinerja yang kuat. Seperti diungkap Badan a strong performance. According to the Central Statistics
Pusat Statistik (BPS), pertumbuhan ekonomi nasional tahun Agency (BPS), national economic growth in 2022 remained
2022 tetap positif, yaitu mencapai 5,31% secara tahunan positive at 5.31% on an annual basis (year on year/yoy). In
(year on year/yoy). Dari sisi pengeluaran, pertumbuhan terms of expenditure, the highest growth occurred in the
tertinggi terjadi pada komponen ekspor. Bahkan dari sisi export component. All sectors of the economy showed
lapangan usaha, seluruh sektor tumbuh positif. positive growth.

Laporan Manajemen
Management Report
Seiring dengan membaiknya perekonomian, kinerja Along with the improvement in the economy, banking
perbankan bergerak positif. Hal itu, antara lain seperti performance has moved positively. Data published by the
dipublikasikan Otoritas Jasa Keuangan (OJK), penyaluran Financial Services Authority (OJK) showed that bank lending
kredit perbankan pada Desember 2022 tumbuh 11,16% in December 2022 grew by 11.16% (yoy), while third party
(yoy). Sedangkan Dana Pihak Ketiga (DPK) tumbuh 8,78% funds (DPK) grew by 8.78% (yoy). Islamic banking financing
(yoy). Pembiayaan perbankan syariah juga tumbuh 20,1% also grew by 20.1% (yoy).
(yoy).
Sejalan dengan perkembangan kinerja perbankan yang In line with the development of positive banking performance,
positif, Bank Muamalat mampu melaksanakan fungsi Bank Muamalat was able to carry out its intermediary
intermediasinya dengan relatif baik. Pertumbuhan function properly. Growth of the Bank’s financing in 2022
pembiayaan Bank sepanjang tahun 2022 mencapai 4,32% reached 4.32% (yoy). However, collection of DPK fell by
(yoy), walaupun penghimpunan Dana Pihak Ketiga (DPK) 1.55% (yoy), due to initiatives in DPK reprofiling with the
terkontraksi 1,55% (yoy). Penurunan disebabkan adanya aim of reducing the cost of funds and increasing the Bank's
upaya reprofiling DPK dengan tujuan untuk menekan cost of profitability.
fund serta meningkatkan profitabilitas Bank.
Ke depan, Bank Muamalat terus berkomitmen memberikan Going forward, Bank Muamalat continues to be committed
dukungan terbaiknya bagi nasabah dan pemangku to providing the best support for customers and other
kepentingan lainnya. Ikhtiar itu diupayakan melalui stakeholders. This endeavor is pursued by accelerating the
percepatan pembangunan ekosistem smart banking, development of the smart banking ecosystem, increasing
meningkatkan profitabilitas, dan memperkuat manajemen profitability, and strengthening portfolio management. With
portofolio. Dengan adanya dukungan permodalan yang kuat the support of a strong capital base and synergy with the
serta sinergi dengan pemegang saham pengendali, Bank controlling shareholder, the Bank is optimistic that it can
optimis dapat memberikan kontribusi positif yang lebih make a bigger positive contribution to the banking industry
besar bagi industri perbankan dan perekonomian Indonesia and the Indonesian economy in the future.
di masa mendatang.
Rp
1,8
Pendapatan dari
triliun
trillion 315,67%
Kenaikan laba
32,70%
Pencapaian CAR 2022
penyaluran dana sebelum pajak (yoy) Achievement of CAR 2022
Revenue from fund Increase in profit before
disbursement tax (yoy)
PERUBAHAN PENTING PADA BANK SIGNIFICANT CHANGES IN THE BANK

Pada tahun 2022 telah terjadi perubahan penting pada In 2022 there have been important changes to Bank
Bank Muamalat dari sisi permodalan. Bank telah berhasil Muamalat in terms of capital. The Bank has succeeded in
merealisasikan penambahan modal disetor dengan realizing additional paid-in capital through a share grant
melaksanakan transaksi hibah saham, penambahan Hak transaction, the issuance of pre-emptive rights (“PMHMETD”)
Memesan Efek Terlebih Dahulu (“PMHMETD”) sebagai as additional Tier-1 capital, and the issuance of Rp2 trillion
penambahan modal Tier-1, serta penerbitan Sukuk worth of mudharabah subordinated sukuk as additional
Subordinasi Mudharabah sebesar Rp2 triliun sebagai Tier-2 capital.
penambahan modal pada Tier-2.
Melalui aksi korporasi tersebut, rasio kecukupan modal Through these corporate actions, the Bank's Capital Adequacy
(Capital Adequacy Ratio/CAR) Bank pada tahun 2022 mencapai Ratio (CAR) in 2022 reached 32.70%, compared to 23.76%
32,70%, naik signifikan dari tahun sebelumnya 23,76%. the previous year. The injection of funds has strengthened
Suntikan dana itu telah memperkuat struktur permodalan the Bank's capital structure while also facilitating business
Bank sekaligus meningkatkan fasilitas untuk ekspansi usaha. expansion. The presence of the Hajj Financial Management
Kehadiran Badan Pengelola Keuangan Haji (BPKH) sebagai Agency (BPKH) as the controlling shareholder provides new
pemegang saham pengendali memberikan energi dan energy and hope for the Bank to grow sustainably with a
harapan baru bagi Bank untuk tumbuh secara berkelanjutan

(sustainable) dengan landasan keuangan yang kuat dan strong and healthy financial foundation. This important
sehat. Perubahan penting ini juga menjadi langkah awal change is also the Bank's first step in carrying out a
Bank dalam melakukan turnaround plan yang bertujuan turnaround plan aimed at increasing the Bank's profitability.
meningkatkan kembali profitabilitas Bank.
KONDISI PEREKONOMIAN ECONOMIC CONDITION

Sepanjang tahun 2022, negara-negara di dunia dihadapkan Throughout 2022, countries around the world were faced
pada ketidakpastian ekonomi serta kesulitan untuk menjaga with economic uncertainty and difficulties in maintaining
stabilitas ekonominya. Ketidakseimbangan politik dan economic stability. Political and economic imbalances had
ekonomi membawa dampak negatif bagi rantai pasok global a negative impact on the global supply chains, which in
yang pada akhirnya memicu kenaikan harga energi dan turn triggered an increase in energy and food prices. The
pangan. Dana Moneter Internasional (International Monetary International Monetary Fund (IMF) expects inflation to reach
Fund/IMF) memperkirakan inflasi mencapai 8,8%. 8.8%.
Untuk meredam lonjakan inflasi, bank sentral di banyak To curb the surge in inflation, central banks in many
negara menaikkan suku bunga acuan. The Federal Reserve, countries raised their benchmark interest rates. The Federal
bank sentral Amerika Serikat (AS) mendorong suku bunga Reserve, the United States (US) central bank, pushed interest
hingga ke posisi 4,25-4,50% pada Desember 2022, dari di rates up to 4.25-4.50% in December 2022, from below 1.00%
bawah 1,00% di Januari 2022. in January 2022.
Kebijakan yang agresif itu telah ikut menekan nilai tukar This aggressive policy has contributed to depressing the
rupiah terhadap dolar AS. Pada akhir Desember 2022, kurs rupiah exchange rate against the US dollar. At the end of
rupiah mencapai level Rp15.655 per Dolar AS, sementara di December 2022, the rupiah exchange rate was at the level
akhir Desember 2021 berada di level Rp14.265. of Rp15,655 per US Dollar, compared to Rp14,265 at the end
of December 2021.
Sebagai respons atas kondisi tersebut serta upaya In response to these conditions and efforts to control
mengendalikan inflasi, Bank Indonesia mengeluarkan inflation, Bank Indonesia (BI) issued various policies,
berbagai kebijakan. Dari kenaikan suku bunga acuan hingga ranging from the increase in the benchmark interest rate
Giro Wajib Minimum (GWM). Bahkan pada Desember 2022, to the increase in Minimum Statutory Reserves (GWM). In
Bank Indonesia masih menaikkan suku bunga acuan, yaitu December 2022, BI further raised its benchmark interest
BI 7-Day Reverse Repo Rate (BI7DRR) sebesar 25 bps, menjadi rate, the BI 7-Day Reverse Repo Rate (BI7DRR), by 25 bps to
5,50%. Kebijakan ini berpotensi mempengaruhi biaya dana 5.50%. This policy has the potential to affect the cost of funds
dan strategi penghimpunan DPK. and DPK collection strategies.
Sementara kewajiban GWM rupiah untuk bank umum Meanwhile, the rupiah GWM for sharia commercial banks
syariah dan unit usaha syariah naik menjadi 7,5% mulai 1 and sharia business units increased to 7.5% starting on
September 2022. Kebijakan peningkatan GWM ini berpotensi 1 September 2022. This policy of increasing the reserve
mempengaruhi tingkat likuiditas Bank serta optimalisasi requirement has the potential to affect the level of bank
profitabilitas. Selanjutnya, pada bulan yang sama, Lembaga liquidity and optimum profitability. Furthermore, in the same
Penjamin Simpanan (LPS) meningkatkan suku bunga month, the Deposit Insurance Corporation (LPS) increased
penjaminan simpanan dalam rupiah di bank umum menjadi the rupiah deposit guarantee interest rate at commercial
3,75% yang juga berdampak pada beban biaya dana secara banks to 3.75%, which also had an impact on cost of funds
umum. in general.
PENCAPAIAN KINERJA USAHA 2022 BUSINESS PERFORMANCE IN 2022
Target Pasar Target Market

Mencermati kondisi yang berkembang pada tahun 2022, In view of conditions that developed in 2022, the Bank mainly
secara umum Bank fokus pada implementasi model focuses on implementing a customer-centric business model
bisnis yang bersifat customer centric atau menyesuaikan or adapting to customer needs. The Bank is committed to
dengan kebutuhan nasabah. Bank berkomitmen untuk increasing profitability through financing in prospective
meningkatkan profitabilitas melalui pembiayaan di sektor sectors with high yields but low risks.
yang prospektif dengan yield yang tinggi namun rendah
risiko.

Laporan Manajemen
Management Report
Lebih lanjut, pada segmen wholesale banking, pembiayaan Furthermore, in the wholesale banking segment, the Bank’s
Bank mengarah ke segmen yang memiliki Aset Tertimbang financing is directed towards segments that have low level
Menurut Risiko (ATMR) yang rendah. Selain itu, pada of Risk Weighted Asset (RWA) as well corporations with good
korporasi yang memiliki peringkat kredit baik. credit ratings.
Kendala dan Tantangan Impediment and Challenges

Di tengah kondisi yang bergerak dinamis pada tahun 2022, In the midst of dynamic conditions in 2022, the government
pemerintah dan regulator di bidang perbankan merespons and banking sector regulators have responded with policies
dengan kebijakan yang memberikan tantangan bagi that posed a challenge for banks, including Bank Muamalat.
kalangan perbankan, termasuk Bank Muamalat. Kebijakan These include Bank Indonesia (BI) policy of raising its
Bank Indonesia (BI) yang menaikkan suku bunga acuan. benchmark interest rate, which has the potential to affect
Kebijakan ini berpotensi mempengaruhi biaya dana dan the cost of funds and DPK collection strategies.
strategi penghimpunan DPK.
BI juga meningkatkan GWM yang berpotensi mempengaruhi BI also increases the Minimum Statutory Reserves which
tingkat likuiditas Bank serta optimalisasi profitabilitas. has the potential to affect the level of bank liquidity and
Sementara keputusan LPS meningkatkan suku bunga optimum profitability. Meanwhile, LPS's decision to increase
penjaminan simpanan dalam rupiah di bank umum menjadi the deposit guarantee rate in rupiah at commercial banks
3,75% yang juga berdampak pada beban biaya dana secara to 3.75% also had an impact on the cost of funds in general.
umum.
Tantangan lain yang dihadapi Bank, adanya perubahan Another challenge faced by the Bank is the change in
ketentuan Rasio Intermediasi Makroprudensial (RIM) yang the provisions for the Macroprudential Intermediation
dikeluarkan oleh BI, yaitu PADG No. 24/14/PADG/2022 Ratio (RIM) issued by BI, namely through PADG No. 24/14/
tentang Perubahan Kelima atas PADG No. 21/22/PADG/2019 PADG/2022 concerning the Fifth Amendment to PADG
tentang Rasio Intermediasi Makroprudensial dan Penyangga No. 21/22/PADG/2019 concerning Macroprudential
Likuiditas Makroprudensial bagi Bank Umum Konvensional, Intermediation Ratio and Macroprudential Liquidity Buffer
Bank Umum Syariah, dan Unit Usaha Syariah. for Conventional Commercial Banks, Islamic Commercial
Banks, and Islamic Business Units.
Kendati demikian, Bank berhasil meraih sejumlah Nevertheless, the Bank managed to post several
pencapaian. Di antaranya, pada Januari 2022, Bank telah achievements. Among them, in January 2022, the Bank has
menyelesaikan Penawaran Umum Terbatas (PUT) VI completed the Limited Public Offering (PUT) VI of Rp1.19
sebesar Rp1,19 triliun serta penerbitan Sukuk Subordinasi trillion, and issued Rp2.0 trillion worth of Subordinated
Mudharabah sebesar Rp2,0 triliun pada tanggal 15 Maret Mudharabah Sukuk on 15 March 2022.
2022.

Strategi dan Kebijakan Strategis Strategic Plans and Policies

Di tengah tantangan inflasi dan dinamika perekonomian Amid the challenges of inflation and other economic
lainnya, Bank tetap fokus pada strategi pencapaian dana dynamics, the Bank remains focused on the strategy of
murah dengan cara meningkatkan tabungan dan giro, achieving low-cost funding by increasing funds in savings
serta fee based income. Upaya tersebut dilakukan melalui and current accounts, as well as fee-based income. Initiatives
pengembangan produk-produk digital hingga wealth include the development of digital products, wealth
management, serta transformasi organisasi. management services, and organizational transformation.
Bank juga fokus pada penguatan portofolio melalui The Bank also focuses on strengthening its portfolio by
penyaluran pembiayaan pada sektor yang prospektif dan selectively channeling financing to prospective and low-risk
berisiko rendah. Pengetatan manajemen risiko untuk sectors, while also tightening risk management to improve
perbaikan kualitas portofolio juga terus dilakukan. portfolio quality.
Pada saat bersamaan, Bank Muamalat merealisasikan At the same time, Bank Muamalat implements the strategies
strategi dan kebijakan seperti tertuang dalam Rencana and policies as stated in the 2022 Bank Business Plan (RBB)
Bisnis Bank (RBB) tahun 2022 yang telah disampaikan which has been submitted to the shareholders at the Annual
kepada pemegang saham di Rapat Umum Pemegang Saham General Meeting of Shareholders (AGMS). The Bank is
Tahunan (RUPST). Bank berkomitmen untuk memberikan committed to providing complete Islamic financial solutions
solusi keuangan syariah yang lengkap dan mudah dijangkau that are easily accessible to the public through its products
oleh masyarakat melalui produk dan layanan yang dimiliki. and services.
Dalam hal mewujudkan hal tersebut, telah dirumuskan In order to realize these objectives, the Bank has formulated
langkah-langkah strategis dengan 3 (tiga) fokus utama, a number of strategic initiatives with 3 (three) main focuses,
yaitu (1) Build Synergy & Smart Banking Ecosystem, (2) Drive namely (1) Build Synergy & Smart Banking Ecosystem, (2)
Profitable Business, dan (3) Strengthen Portfolio Management. Drive Profitable Business, and (3) Strengthen Portfolio
Rinciannya adalah: Management. The details are:
Strategi
Uraian dan Realisasi Description and Implementation
Strategy
Fokus 1: Build Synergy & Smart Banking Ecosystem

Focus 1: Build Synergy & Smart Banking Ecosystem
Integration & Business Bank telah membentuk panitia sinergi BMI-BPKH. The Bank has formed a BMI-BPKH synergy committee.
Synergy with BPKH Kolabolarasi dilakukan pada beragam segmen, seperti Collaboration is carried out in various segments, such
financing, funding dan fee based income, investment as financing, funding and fee-based income, investment
instrument, digital banking, branding serta values dan instruments, digital banking, and branding as well as
corporate culture. Kolaborasi ini dapat mengoptimalkan corporate values and culture. The collaboration aim to
dukungan BPKH untuk menumbuhkan bisnis Bank. optimize BPKH support to grow the Bank's business.
Build Lucrative Islamic Untuk memenuhi kebutuhan nasabah, khususnya To meet customer needs, especially the Islamic
Business Ecosystem segmen Islam, Bank mengoptimalkan penetrasi pada segment, the Bank optimizes penetration of Islamic
organisasi dan yayasan keislaman, termasuk jaringan organizations and foundations, including existing
(amal usaha) yang ada. (charity business) networks.
Accelerate Digital Penguatan teknologi digital bertujuan untuk Strengthening digital technology aims to create
Transformation menciptakan layanan perbankan yang terintegrasi, integrated, simple and convenient banking services, so
simpel dan mudah, sehingga dapat meningkatkan as to increase customer loyalty and engagement. The
loyalitas dan engagement nasabah. Bank telah Bank has established the Digital Banking Division to
membentuk divisi yang fokus terhadap akselerasi focus on accelerating the digitalization process.
digitalisasi, yaitu Divisi Digital Banking.
Fokus 2: Drive Profitable Business
Focus 2: Drive Profitable Business
Low Cost Fund Hal ini dilakukan melalui funding reprofiling, baik di This is done through funding reprofiling, both in the
Acquisition segmen retail maupun wholesale. Untuk segmen retail, retail and wholesale segments. In the retail segment,
di antara programnya antara lain: Winback CASA serta the programs include: Winback CASA and acquisition of
akuisisi dana murah dari ekosistem haji dan umrah. low-cost funds from the Hajj and Umrah ecosystems.
Sedangkan di segmen wholesale, antara lain: Winback Meanwhile in the wholesale segment, among others:
dan CASA tactical program berupa aktivasi MADINA Winback and CASA tactical program in the form
sebagai platform transaksional nasabah serta digital. of MADINA activation as a customer and digital
transactional platform.

Laporan Manajemen
Management Report
Strategi
Uraian dan Realisasi Description and Implementation
Strategy
Aggressive Fee Based Dari trade finance, Bank merealisasikan pipeline yang In trade finance services, the Bank realized the pending
Income masih tertunda serta mempercepat proses approval pipeline and accelerated the approval process while
dengan tetap memperhatikan Risk Acceptance Criteria. taking into account the risk acceptance criteria. In
Dari segmen retail, melalui kampanye bancassurance the retail segment, a bancassurance campaign was
untuk mendukung sales. Pada program investment, implemented to support sales. In the investment
melakukan penjualan sukuk secara agresif dengan program, conducting aggressive sales of sukuk by
peningkatan sosialisasi dan kampanye setiap through improved outreach and campaign in each new
peluncuran sukuk baru dari pemerintah. sukuk launch from the government.
Efficient Business Bank melakukan transformasi melalui peningkatan dan The Bank carries out transformation through
Process and perbaikan sistem, prosedur dan kebijakan. Bank akan improvement and enhancement of systems,
Organization merumuskan kembali Visi dan Misi Bank agar sesuai procedures, and policies. The Bank will reformulate the
dengan kondisi dan target yang akan dicapai, termasuk its Vision and Mission statements to suit the conditions
penyelarasan dengan BPKH sebagai pemegang saham. and targets to be achieved, including alignment with
Bank juga berupaya untuk menyediakan layanan yang BPKH as a shareholder. The Bank also strives to provide
optimal bagi seluruh stakeholder melalui penerapan optimal services for all stakeholders through the
standar yang konsisten. implementation of consistent standards.
Fokus 3: Strengthen Portfolio Management
Focus 3: Strengthen Portfolio Management
Robust Financing Growth Fokus pada penyaluran pembiayaan di sektor yang Focus on channeling financing in prospective and low-
prospektif dan bersifat low-risk, konglomerasi, KPR risk sectors, conglomerates, mortgages and Employee
dan Employee Benefit Program (pembiayaan untuk Benefit Programs (financing for companies that have
perusahaan yang memiliki payroll ataupun non-payroll payroll or non-payroll at Bank Muamalat) as well as
di Bank Muamalat) serta pembiayaan pada Islamic financing for Islamic Business.
Business.
New Approach Bad Bank Mengatur dan memperbaiki portofolio pembiayaan Manage and improve low-quality financing portfolios
Recovery berkualitas rendah melalui serangkaian strategi, through a series of strategies, including through
misalnya proses otomasi proses cash collection, automation of cash collection processes, facility
restrukturisasi, offsetting Agunan Yang Diambil Alih restructuring, offsetting of Foreclosed Collaterals
(AYDA), litigasi, eksekusi jaminan serta kerja sama (AYDA), litigation, execution of guarantees, and
dengan strategic investor dan Strategic Partner lainnya. collaboration with strategic investors and other
Bank juga berupaya untuk menyediakan pencadangan Strategic Partners. The Bank also strives to provide
yang cukup untuk menutup potensi kerugian. sufficient reserves to cover potential losses.
Prudent and Proactive Perbaikan kualitas portofolio dengan penerapan risk Improving portfolio quality by implementing strict risk
Risk Management management yang ketat untuk mencegah penurunan management to prevent a decline in financing quality.
kualitas pembiayaan. Bank terus menjaga penyaluran The Bank continues to maintain financing distribution
pembiayaan agar tetap fokus dan disiplin pada target so that it remains focused and disciplined within the
market dan risk-acceptance criteria yang telah ditentukan. predetermined target market and risk-acceptance
Bank memantau end to end proses pembiayaan hingga criteria. The Bank monitors the end-to-end process
pencairan yang dilakukan dengan berpedoman pada of financing up to disbursement which is carried out
prosedur pembiayaan yang telah dirumuskan dengan by referring to the financing procedures that have
tetap memperhatikan Risk Acceptance Criteria. Bank been formulated while taking into account the Risk
juga melakukan monitoring financing allocation limit Acceptance Criteria. The Bank also monitors the
agar tidak melebihi yang telah ditetapkan secara financing allocation limit so that it does not exceed
internal. Bank dengan review berkala juga melakukan what has been set internally. Through periodic reviews,
pemantauan BMPK sesuai dengan ketentuan regulator. the Bank also monitors the Legal Lending Limit in
accordance with regulatory provisions.
Peran Direksi dalam Perumusan dan Implementasi Role of the Board of Directors in Strategy
Strategi Formulation and Implementation
Direksi Bank Muamalat bertanggung jawab atas arah dan The Board of Directors of Bank Muamalat is responsible for
prioritas strategis Bank, begitu pun dengan penerapan the Bank's strategic direction and priorities, as well as the
prinsip tata kelola perusahaan yang baik pada setiap application of the principles of good corporate governance
kegiatan usaha. Direksi juga bertanggung jawab untuk in every business activity. The Board of Directors is also
memastikan kegiatan usaha Bank telah sejalan dengan visi responsible for ensuring that the Bank's business activities
misi yang telah ditetapkan. are in line with the established vision and mission.
Dalam menyiapkan strategi, Direksi dibantu oleh unit kerja In preparing the strategy, the Board of Directors is assisted
dan komite, seperti Komite Aset dan Liabilitas atau Asset by work units and committees, such as the Asset and Liability
and Liability Committee (ALCO). Tugas utama komite ini Committee (ALCO). The main task of this committee is to
membantu pelaksanaan tugas Direksi dalam memelihara assist the Board of Directors in maintaining a strong balance
struktur neraca yang kuat. sheet structure.

Bank turut memaksimalkan fungsi Unit Kerja Perencanaan The Bank also maximizes the function of Strategic Planning
Strategis untuk mendukung Direksi dalam perumusan Work Unit to support the Board of Directors in formulating
serta pemantauan realisasi rencana bisnis. Terkait dengan and monitoring the realization of business plans. Regarding
evaluasi pelaksanaan strategi dan kebijakan strategis, the evaluation of the implementation of strategic strategies
Direksi menerima laporan secara berkala dari komite terkait and policies, the Board of Directors receives regular reports
serta melakukan tindak lanjut dari temuan audit serta from the relevant committees and conducts follow-up
rekomendasi dari audit internal Bank, auditor eksternal, on audit findings and recommendations from the Bank's
serta hasil pengawasan yang dilakukan oleh Otoritas Jasa internal audit, external auditors, as well as the results of
Keuangan (OJK) maupun otoritas lainnya. supervision carried out by the Financial Services Authority
(OJK) and other authorities.
Dalam rangka memastikan implementasi pelaksanaan In order to ensure the implementation of strategies, the
strategi, Direksi melakukan komunikasi terkait arah dan Board of Directors communicates the strategic directions and
kebijakan strategis serta evaluasi pencapaian kinerja policies as well as evaluates the achievement of performance
terhadap Rencana Bisnis Bank (RBB) secara berkala. Secara against the Bank's Business Plan (RBB) on a regular basis.
rutin, Direksi menerima laporan dari komite yang dibentuk, Routinely, the Board of Directors receives reports from the
terkait dengan realisasi di bidang operasional untuk established committees, related to realization in the field of
kemudian dilakukan evaluasi dan pengembangan lebih operations for further evaluation and development.
lanjut.
Direksi senantiasa menindaklanjuti temuan audit dan The Board of Directors always follows up on audit findings
rekomendasi audit dari audit internal Bank. Begitu pun and audit recommendations from the Bank's internal audit.
rekomendasi dari auditor eksternal dan hasil pengawasan Likewise with the recommendations from external auditors
yang dilakukan oleh OJK maupun otoritas lainnya. and the results of supervision carried out by OJK and other
authorities.
Pencapaian Kinerja Business Performance

Dengan strategi dan kebijakan yang tepat, Bank Muamalat With the right strategies and policies, Bank Muamalat
berhasil melalui tahun 2022 dengan mencatatkan kinerja managed to get through 2022 by recording positive
yang positif, kendati kondisi perekonomian masih diwarnai performance, despite the uncertain economic conditions.
ketidakpastian. Total aset Bank mencapai Rp61,4 triliun, The Bank's total assets reached Rp61.4 trillion, an increase
meningkat 4,18% (yoy), namun lebih rendah dari target yang of 4.18% (yoy), but lower than the set target.
ditetapkan.
Dari sisi laba sebelum pajak, Bank berhasil meningkatkannya In terms of profit before tax, the Bank managed a growth of
sebesar 315,67% (yoy), dari Rp12,5 miliar di tahun 2021 315.67% (yoy), from Rp12.5 billion in 2021 to Rp52.0 billion
menjadi Rp52,0 miliar pada tahun 2022. Kenaikan laba itu in 2022. The increase in profit before tax was driven by an
didorong oleh peningkatan pendapatan operasional lainnya increase in other operating income which grew by 88. 07%
yang tumbuh, yakni 88,07% (yoy) atau tercatat sebesar (yoy), reaching Rp1.1 trillion, from Rp584 billion the previous
Rp1,1 triliun, dari sebelumnya Rp584 miliar. Hal ini terjadi year. This is in line with the strategic focus for 2022 to "Drive
sejalan dengan fokus strategis tahun 2022, khususnya “Drive Profitable Business".
Profitable Business”.
Sementara pendapatan dari penyaluran dana sebesar Rp1,8 Meanwhile, revenues from fund disbursement amounted
triliun atau turun 17,55% (yoy). Untuk bagi hasil mencapai to Rp1.8 trillion, down 17.55% (yoy). Profit sharing revenue
Rp1,4 triliun atau meningkat 4,37% (yoy), sehingga Net reached Rp1.4 trillion, an increase of 4.37% (yoy), resulting
Imbalan (NI) berada pada level 0,66%. Rincian pencapaian in a Net Rewards (NI) of 0.66%. Details of other performance
kinerja lainnya adalah: achievements are:
- Realisasi penyaluran pembiayaan sebesar Rp18,8 triliun - Realization of financing disbursement of Rp18.8 trillion
atau meningkat 4,33% (yoy). Kenaikan tersebut didorong or an increase of 4.33% (yoy). This increase was driven by
oleh arah dan fokus pembiayaan Bank yang menyasar the direction and focus of the Bank's financing targeting
organisasi bisnis dan lembaga keuangan Islam serta business organizations and Islamic financial institutions,
jenis dan pipeline yang memiliki risiko rendah dapat as well as the types and pipelines that have low risk that
tereksekusi dengan baik. Namun, pencapaian itu masih can be executed properly. However, the achievement
di bawah target yang ditetapkan. was still below the set target.

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Management Report
- Bank senantiasa memperhatikan prinsip kehati-hatian - The Bank always pays attention to the principle of
dalam penyaluran pembiayaan, sehingga kualitas prudence in disbursing financing in order to maintain
asetnya terjaga dengan baik. Hal itu tercermin dari rasio asset quality. This is reflected in the low gross and net
pembiayaan bermasalah (Net Performing Finance/NPF) non-performing financing (NPF) ratios of 2.78% and
gross dan nett yang rendah, yaitu masing-masing di level 0.86%, respectively.
2,78% dan 0,86%.
- Untuk penghimpunan DPK tercatat sebesar Rp46,1 - The collection of DPK was recorded at Rp46.1 trillion,
triliun, DPK tersebut masih di bawah target yang telah lower than the set target. Compared to the previous year,
ditetapkan. Begitu juga dibandingkan tahun sebelumnya, it declined by 1.55%. This was due to the direction of the
turun 1,55%. Hal itu dikarenakan oleh arah strategi Bank Bank's strategy for DPK reprofiling, both in the retail and
melakukan funding reprofiling, baik pada segmen retail wholesale segments. For the retail segment, community
maupun wholesale. Untuk segmen retail, penetrasi pada penetration into CASA enhancement program by offering
komunitas menjadi program peningkatan CASA dengan the Prima Savings program with prizes and current
menawarkan program Tabungan Prima berhadiah accounts with prizes. Next is the acquisition of low-cost
serta giro berhadiah. Kemudian, akuisisi dana murah funds from the Hajj and Umrah ecosystem. Meanwhile,
dari ekosistem haji dan umroh. Sementara di segmen in the wholesale segment, through the program in the
wholesale, melalui program aktivasi MADINA sebagai form of MADINA activation as a customer and digital
platform transaksi nasabah serta digital. Strategi tersebut transaction platform. This strategy has helped increase
telah membantu meningkatkan tabungan dan deposito, savings and deposits, respectively by 0.55% and 1.84%,
masing-masing 0,55% dan 1,84% dibandingkan kinerja compared to the performance in 2021.
tahun 2021.
- Bank dapat menurunkan rasio Beban Operasional - The Bank was able to reduce the ratio of Operating
Terhadap Pendapatan Operasional (BOPO), dari 99,29% Expenses to Operating Income (BOPO), from 99.29% in
pada tahun 2021 menjadi 96,62% di 2022. Secara umum, 2021 to 96.62% in 2022. In general, the Bank's financial
rasio keuangan Bank terus membaik. Return on equity ratios continue to improve. Return on Equity (ROE) was
(ROE) menjadi 0,53% pada 2022, dari tahun sebelumnya 0.53% in 2022, from 0.20% the previous year. Return on
yang 0,20%. Return on Assets (ROA) mencapai 0,09% dari Assets (ROA) reached 0.09% from 0.02% the previous
tahun sebelumnnya 0,02%. Rasio kecukupan permodalan year. The capital adequacy ratio (CAR) was recorded at
(KPMM) tercatat 32,70%, dari 23,78% di tahun 2021. 32.70%, from 23.78% in 2021.
- Komitmen Bank terhadap Usaha Mikro, Kecil dan - The Bank's commitment to Micro, Small and Medium
Menengah (UMKM) terealisasi dengan baik. Sepanjang Enterprises (MSMEs) sector is well realized. Throughout
tahun 2022, Bank telah menyalurkan pembiayaan 2022, the Bank has distributed Rp2.6 trillion of financing
kepada UMKM sebesar Rp2,6 triliun, namun jika to MSMEs, a decline of 19.53% from the previous year.
dibandingkan tahun sebelumnya, lebih rendah 19,53%. Financing to MSMEs accounted for 14.04% of the total
Nilai realisasi tersebut setara dengan 14,04% terhadap financing by the Bank in 2022. In terms of NPF, it was
total pembiayaan Bank di tahun 2022. Dari sisi NPF, recorded at 0.14%, which was better than the average
tercatat 0,14%, lebih baik dibandingkan NPF UMKM NPF of national Islamic banking MSMEs of 4.74% as of
perbankan syariah nasional, yaitu 4,74% per November November 2022.
2022.
PROSPEK USAHA BUSINESS PROSPECTS

Sejumlah lembaga internasional memperkirakan kondisi Several international institutions predict that economic
perekonomian di tahun 2023 akan mengalami tekanan conditions in 2023 will experience pressure and even a
bahkan hingga resesi, sebagai imbas dari kenaikan suku recession, as a result of the aggressive increase in the
bunga acuan yang agresif di tahun 2022. Bahkan Bank benchmark interest rate in 2022. Bank Indonesia even
Indonesia menurunkan proyeksinya terhadap pertumbuhan lowered its projection for global economic growth, from
ekonomi global, dari semula 2,65% menjadi 2,3%. 2.65% to 2.3%.
Jika kondisi itu terjadi, situasi di negara berkembang This condition, should it materialize, will impact on the
termasuk Indonesia akan terdampak. Apalagi, pada tahun economy of developing countries including Indonesia.
2024 Indonesia akan menyelenggarakan hajatan politik, yaitu Moreover, in 2024 Indonesia will hold a political event,
Pemilu Legislatif dan Presiden yang berpotensi menciptakan namely the Legislative and Presidential Elections which have
ketidakstabilan politik. the potential to create political instability.

Kendati demikian, tahun politik tersebut juga berpotensi However, this political year also has the potential to
memberikan dampak positif, yaitu peningkatan konsumsi have a positive impact, namely an increase in aggregate
secara agregat serta peningkatan ekspektasi pasar. Dengan consumption and an increase in market expectations. As
demikian, pertumbuhan ekonomi Indonesia yang positif such , Indonesia's positive economic growth will continue in
akan berlanjut pada tahun 2023, walaupun sedikit melambat 2023, although it will slow down slightly to the range of 4.5-
ke kisaran 4,5-5,3%. 5.3%.
Tantangan lain yang dihadapi Bank adalah persaingan The Bank also faces another challenge in the form of
antara Bank Umum Konvensional (BUK) dan Bank Umum competition between Conventional Commercial Banks (BUK)
Syariah (BUS). Hingga tahun 2022, pangsa pasar perbankan and Islamic Commercial Banks (BUS). Until 2022, the market
syariah di Indonesia baru mencapai 7,03%, dengan porsi share of the Islamic banking market in Indonesia has only
BUS hanya 66,14% terhadap total industri perbankan reached 7.03%, with the share of BUS only 66.14% of the
syariah. Sementara pangsa pasar perbankan konvensional total Islamic banking industry. Meanwhile, the conventional
di Indonesia sekitar 93% dari total pasar perbankan nasional. banking market share in Indonesia is around 93% of the total
Untuk bisa menghadapi dominasi perbankan konvensional, national banking market. In the face of the dominance of
perbankan syariah membutuhkan peningkatan efisiensi conventional banking, the Islamic banking industry requires
serta inovasi, sehingga memberikan keunggulan kompetitif. increased efficiency and innovation in order to become
Pada saat bersamaan, literasi syariah masyarakat juga perlu competitive. At the same time, public sharia literacy also
terus ditingkatkan. needs to be improved.
Dengan memperhatikan perkembangan berbagai dinamika Taking into account developments in various economic
ekonomi serta pencapaian tahun 2022, Bank akan terus dynamics and achievements in 2022, the Bank will continue
mendorong melakukan pertumbuhan bisnis yang sehat to push for higher healthy business growth in 2023.
secara lebih cepat pada tahun 2023. Dengan asumsi bahwa Assuming that the Bank obtains approval for the application
Bank mendapatkan persetujuan terhadap permohonan for relaxation of the Sharia RIM Current Account provisions,
kelonggaran ketentuan Giro RIM Syariah, maka pertumbuhan business growth will be accelerated to catch up with target
bisnis akan dipercepat untuk mengejar ketertinggalan turn around plan that has been submitted to OJK.
terhadap target turn around plan yang telah disampaikan
kepada OJK.
Oleh karena itu, tema strategis RBB tahun 2023 adalah Therefore, the strategic theme for the 2023 RBB is "Healthy
“Pertumbuhan Bisnis yang Sehat dan Profit yang Business Growth and Sustainable Profit". This theme
Berkelanjutan“. Tema ini merepresentasikan fokus pada represents a focus on accelerating healthy business growth,
percepatan pertumbuhan bisnis yang sehat, optimalisasi optimizing recovery, and increasing productivity amid the
recovery serta peningkatan produktivitas di tengah dinamika geopolitical dynamics in Indonesia and globally. The strategic
geopolitik yang terjadi di Indonesia maupun di global. Tema theme is further outlined into 3 (three) major aspects as
Strategis tersebut dituangkan dalam bentuk 3 (tiga) aspek described below:
utama dengan penjelasan sebagai berikut:
1. Business Refocusing 1. Business Refocusing
Pada aspek strategi ini, Bank akan melakukan refocusing In this aspect of the strategy, the Bank will refocus on
pada nasabah Individu untuk meningkatkan current individual customers to increase low cost funding
account saving account (CASA) melalui transaksi dan (CASA) through transactions and financing of more
pembiayaan lebih dari 2 juta target customer base. than 2 million target customer base. In optimizing
Mengoptimalkan kebun-kebun Enterprise dan Islamic existing Enterprise and Islamic Ecosystem farms (?)
Ecosytem sebagai entry gate untuk nasabah individu, as entry gates for individual customers, there are 39
terdapat 39 Institusi dengan 20 institusi ber-payroll institutions, of which 20 institutions have a payroll
dan lebih dari 300 AUM Muhammadiyah untuk product, and more than 300 AUM Muhammadiyah for
potensi nasabah retail. Memperluas kebun melalui potential retail customers. Expanding farms through
penghimpunan dana dan pembiayaan kepada ASN dan raising funds and financing to government employees
BUMN, komunitas Sekolah negeri dan/atau swasta, and SOEs, public and/or private school communities,
pesantren, serta universitas dengan penekanan kuat Islamic boarding schools, and universities with a strong
pada prinsip-prinsip Islam, membangun ekosistem emphasis on Islamic principles, building sharia-based
rumah sakit berbasis syariah dan tekonologi yang hospital ecosystems and technology integrated with
terintegrasi produk halal, serta melakukan penetrasi halal products, and penetrating into Hajj and Umrah
kepada ekosistem perjalanan haji dan umrah melalui travel ecosystem through licensed tour & travel agents.
agen tour & travel yang berlisensi.

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Management Report
Selain itu Bank Muamalat akan berupaya meningkatkan In addition, Bank Muamalat will seek to improve products
layanan dan jasa melalui penambahan feature & solusi and services by adding features and solutions for
untuk nasabah individual seperti produk cicil emas & individual customers such as gold installment products
solusi haji dan peningkatan layanan berbasis digital and Hajj solutions and improving digital banking-based
banking, dalam rangka meningkat pembiayaan dan Fee- services, in order to increase financing and Fee-Based
Based Income. Income.
Bank akan mengakselerasi penyelesaian pembiayaan The Bank will accelerate the settlement of low quality
berkualitas rendah melalui Novasi, Cessie/Pengalihan financing through Novation, Cessie/Transfer of Collection
Hak Tagih, Likuidasi, Subrogasi, Penggunaan Jasa Rights, Liquidation, Subrogation, Use of Outsourcing
Outsourcing, Skema Asset Settlement dan Penyelesaian Services, Asset Settlement Schemes, and Settlement
melaui Pihak Ketiga dan mengoptimalkan pendapatan through Third Parties, while optimizing revenue through
melalui recovery untuk menopang pencapaian target asset recovery to support the achievement of the Bank's
keuangan Bank tahun 2023. financial targets in 2023.
2. Fixing The Fundamental 2. Fixing the Fundamentals

Bank akan meningkatkan kapasitas dan kapabilitas The Bank will increase the capacity and capability of
Sumber Daya Manusia dan Teknologi Informasi sesuai its Human Resources and Information Technology in
dengan perkembangan tren perbankan saat ini, melalui accordance with the development in current banking
perbaikan mindset, capability, dan skill sumber daya trends, through improving the mindset, capability
manusia, melakukan penyesuaian organisasi sesuai and skills of human resources, making organizational
kebutuhan bisnis, meningkatkan keandalan teknologi adjustments according to business needs, increasing the
informasi & layanan digital, memperbaiki Layanan dan reliability of information technology & digital services,
Bisnis Proses pembiayaan yang lebih ramping, dan streamlining the financing business process and services,
meningkatkan efesiensi dengan optimalisasi Gedung and increasing efficiency by optimization of Muamalat
Muamalat Tower. Tower Building.
3. Strengthening the Enablers 3. Strengthening the Enablers

Selain 2 aspek utama diatas, bank akan memperkuat In addition to the two major aspects discussed above,
enabler kinerja Bank melalui perbaikan Sinergi Enterprise the Bank will also strengthen its business enablers by
dan Ritel untuk memperoleh kebun yang menghasilkan improving Enterprise and Retail Synergies to obtain
dan berkualitas, mengimplementasikan konsep productive and quality farms, implementing profit-
pengukuran berbasis profit untuk jaringan dan kantor based measurement concepts for branch networks and
pusat, meningkatkan produktivitas & profitabilitas the head office, increasing productivity and profitability
channel distribusi, melakukan kajian dan opportunity of distribution channels, conducting studies for non-
untuk strategy non organic, dan unlocking ecosystem haji organic strategy opportunities, and unlocking the hajj
Bersama BPKH. ecosystem with BPKH.
Hal Penting yang Berpotensi Terjadi di Masa Potential Significant Developments Anticipated in
Datang the Future
Bank Muamalat berpandangan, ke depan masih ada Bank Muamalat is of the view that in the future there will
tantangan yang harus diantisipasi. Selain tahun politik, skala still be challenges that must be anticipated. Apart from the
usaha dan kemampuan bersaing dalam industri perbankan political year, the scale of business and the ability to compete
yang mengarah kepada digitalisasi juga menjadi tantangan. in the banking industry that leads to digitalization is also a
challenge.
Untuk merespons tantangan di depan, Bank akan To respond to the challenges ahead, the Bank will increase
meningkatkan inovasi, khususnya pengembangan layanan innovation, especially the development of digital services
digital yang akan dilaksanakan pada tahun 2023. Sejalan which will be implemented in 2023. In line with the Bank's
dengan Visi Bank untuk menjadi bank syariah terbaik yang vision to become the best Islamic bank that provides digital
menyelenggarakan layanan transaksi sistem pembayaran payment system transaction services, the Bank seeks to build
secara digital, Bank berupaya membangun sinergi dan Smart synergy and Smart Banking Ecosystem through accelerating
Banking Ecosystem melalui akselerasi transformasi digital digital transformation in payment system services.
pada layanan sistem pembayaran.

Langkah strategis yang akan dilakukan, antara lain: The strategic steps that will be taken include: strengthening
memperkuat penerapan teknologi digital dalam the application of digital technology in providing payment
menyelenggarakan layanan sistem pembayaran; membuat system services; providing integrated, simple and easy
layanan sistem pembayaran menjadi terintegrasi, simpel payment system services; adding payment system features
dan mudah; penambahan fitur dan layanan sistem and services in various transaction channels; and establishing
pembayaran dalam berbagai kanal transaksi; dan menjalin strategic partnerships with third parties to add and improve
kerja sama strategis dengan pihak ketiga untuk menambah payment system services.
dan meningkatkan layanan sistem pembayaran.
PENERAPAN TATA KELOLA PERUSAHAAN IMPLEMENTATION OF CORPORATE

GOVERNANCE
Bank Muamalat menyadari bahwa penerapan prinsip tata Bank Muamalat realizes that the application of the principles
kelola perusahaan yang baik atau Good Corporate Governance of good corporate governance (GCG) is one of the most
(GCG) menjadi salah satu faktor fundamental yang sangat important fundamental factors in managing the company.
penting dalam pengelolaan perusahaan. Penerapan GCG The implementation of GCG will provide support for the
akan memberikan dukungan kepada Bank untuk tumbuh Bank to grow sustainably.
secara berkesinambungan.
Bahkan saat ini, masyarakat melihat penerapan GCG sebagai Increasingly today, the public see the implementation of
salah satu indikator penting dalam menilai sebuah entitas, GCG as an important indicator in assessing a business
terutama terkait prospek kinerja berkelanjutan di masa entity, especially regarding the prospects for sustainable
mendatang. Hal itu didasari atas keyakinan bahwa GCG performance in the future. This is based on the belief
adalah prinsip yang mendasari proses dan mekanisme that GCG is the principle that underlies the process and
pengelolaan perusahaan berlandaskan kepatuhan terhadap mechanism of company management based on compliance
peraturan perundang-undangan serta cerminan dunia with laws and regulations and a reflection of an ethical
usaha yang beretika. business environment.
Untuk itu, Bank melakukan penilaian penerapan GCG secara For this reason, the Bank periodically assesses its GCG
berkala untuk meningkatkan kualitas penerapan GCG yang practices to improve the quality of GCG implementation. This
antara lain tercantum dalam Peraturan Bank Indonesia complies with, among others, Bank Indonesia Regulation
No. 11/33/PBI/2009 tanggal 7 Desember 2009 tentang No. 11/33/PBI/2009 dated 7 December 2009 concerning
Pelaksanaan Good Corporate Governance bagi Bank Umum the Implementation of Good Corporate Governance for
Syariah dan Unit Usaha Syariah serta Surat Edaran Otoritas Sharia Commercial Banks and Sharia Business Units, and
Jasa Keuangan No. 10/SEOJK.03/2014 tentang Penilaian the Financial Services Authority Circular Letter No. 10/
Tingkat Kesehatan Bank Umum Syariah dan Unit Usaha SEOJK.03/2014 concerning Soundness Rating of Sharia
Syariah. Commercial Banks and Sharia Business Units.
Pada tahun 2022, Bank Muamalat Indonesia melakukan In 2022, Bank Muamalat Indonesia conducted a self-
penilaian sendiri (self-assessment) pelaksanaan GCG secara assessment of the implementation of GCG individually
individual dan konsolidasi dengan hasil penilaian pada and consolidated with the results of the assessment at a
peringkat 2 (dua) yang mencerminkan manajemen Bank rating of 2 (two) which reflects that the Bank's management
telah melakukan penerapan Good Corporate Governance has implemented Good Corporate Governance which is
yang secara umum baik. Hal ini tercermin dari penerapan generally good. This is reflected in the implementation of
atas prinsip-prinsip Good Corporate Governance maka secara the principles of Good Corporate Governance, in general,
umum kelemahan tersebut kurang signifikan dan dapat these weaknesses are not significant and can be resolved by
diselesaikan dengan tindakan normal oleh manajemen normal actions by the Bank's management.
Bank.

Laporan Manajemen
Management Report
PENGEMBANGAN TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY DEVELOPMENT

Perkembangan digital di sektor perbankan dipercaya dapat Digital developments in the banking sector are believed
meningkatkan efisiensi kegiatan operasional dan kualitas to increase the efficiency of operational activities and the
pelayanan Bank kepada nasabah dalam bertransaksi. quality of banking services to customers in performing
Bank Muamalat turut merespons perkembangan sistem transactions. Bank Muamalat has also responded to the
pembayaran dan digital banking tersebut dengan terus development of the payment system and digital banking by
mengupayakan inisiatif-inisiatif terbaru, dari sistem continuing to pursuek the latest initiatives, from payment
pembayaran hingga produk jasa pembayaran. systems to payment service products.
Hingga Desember 2022, Bank telah merealisasikan sejumlah As of December 2022, the Bank has implemented a number
inisiatif penerbitan produk jasa pembayaran. Setidaknya of payment service product issuance initiatives. There are
ada 7 (tujuh) produk, aktivitas dan pengembangan sistem at least 7 (seven) products, activities and payment system
pembayaran yang telah direalisasikan. Rinciannya yaitu: development that have been realized. The details are:
1. Program promosi dan customer analytic & reward/loyalty 1. Promotional and customer analytics & rewards/loyalty
melalui E-channel Muamalat. programs through the Muamalat E-channel.
2. Quick Response (QR) Code bisnis sebagai merchant bisnis 2. Quick Response (QR) Code business as a business
(acquiring). merchant (acquiring).
3. Peningkatan fitur & experience (user interface & user 3. Improved features and experience (user interface &
experience) pada mobile banking, termasuk layanan BI- user experience) on mobile banking, including BI-FAST
FAST. services.
4. Penambahan biller, loket PPOB, dan merchant QRIS & 4. Added billers, PPOB counters, and online QRIS & debit
debit online. merchants.
5. Pengembangan layanan H2H berupa penambahan fitur 5. Development of H2H services in the form of additional
dan mitra (user), features and partners (users),
6. Pembayaran setoran awal dan setoran lunas haji reguler 6. Payment of the initial deposit and regular Hajj deposit
melalui Muamalat DIN dan internet banking. through Muamalat DIN and internet banking.
7. Kolaborasi dengan pihak ketiga untuk layanan digital 7. Collaboration with third parties for digital banking
banking. services.
PENGEMBANGAN DI BIDANG SUMBER DAYA HUMAN RESOURCES DEVELOPMENT

MANUSIA
Bank Muamalat memandang Sumber Daya Manusia (SDM) Bank Muamalat views Human Resources (HR) as an important
merupakan bagian penting dalam pencapaian target usaha part in achieving the Bank's business targets, both in the
Bank, baik dalam jangka pendek maupun panjang. Karena short and long term. Therefore, the Bank always ensures
itu, Bank senantiasa memastikan program pengembangan that HR development programs are properly implemented.
SDM selalu berjalan.
Sebagai wujud dari komitmen tersebut, Bank merealisasikan As a manifestation of this commitment, the Bank implements
program pelatihan, baik dari soft skill maupun hard skill. Pada training programs in soft skills and hard skills. In 2022,
tahun 2022, program pelatihan dan pendidikan dilakukan training and education programs were carried out in a
secara hybrid, mengingat masih terjadi pandemi COVID-19. hybrid manner, considering that the COVID-19 pandemic is
still going on.
Tema-tema yang disampaikan dalam pengembangan These competency development programs cover a diverse
kompetensi sangat beragam. Dari product knowledge, themes, from product knowledge, fulfillment of certifications
pemenuhan sertifikasi yang ditetapkan regulator, required by regulators, soft skill development, to topics on
pengembangan soft skill hingga topik mengenai financial financial planning. Participants are not only at staff level,
planning. Peserta yang ikut tidak hanya level staf, tetapi juga but also at senior manager level and above. Until the end
level manajer senior ke atas. Hingga akhir 2022, realisasi of 2022, the actual cost of the HR education and training
biaya program pendidikan dan pelatihan SDM mencapai program amounted to Rp9.6 billion.
Rp9,6 miliar.

PERUBAHAN KOMPOSISI DIREKSI CHANGES IN THE COMPOSITION OF THE BOARD

OF DIRECTORS
Sepanjang tahun 2022, komposisi Direksi mengalami Throughout 2022, the composition of the Board of Directors
perubahan sebanyak 2 (dua) kali, yaitu melalui Rapat Umum changed 2 (two) times, namely through the Extraordinary
Pemegang Saham Luar Biasa (RUPSLB) tanggal 24 Juni dan General Meeting of Shareholders (EGMS) on June 24 and
29 November 2022. November 29, 2022.
Susunan Direksi Bank sampai dengan RUPSLB 24 Juni 2022 The composition of the Bank's Board of Directors as of the
adalah sebagai berikut: EGMS on June 24, 2022 is as follows:
Direktur Utama Achmad Kusna Permana President Director

Direktur Kepatuhan Andri Donny Compliance Director
Direktur Hery Syafril Director
Direktur Purnomo Budiwibowo Soetadi Director
Direktur Avianto Director
Direktur Awaldi Director
Pertama, RUPSLB tanggal 24 Juni 2022 mengesahkan First, the EGMS dated June 24, 2022 accepted the honorable
pemberhentian dengan hormat Andri Donny selaku Direktur dismissal of Andri Donny as Director and the appointment
dan pengangkatan Karno sebagai Direktur. Sehingga, of Karno as Director. Thus, the composition of the Board of
susunan Direksi sampai dengan RUPLSB berikutnya adalah Directors until the next EGM is as follows:
sebagai berikut:
Direktur Utama Achmad Kusna Permana President Director

Direktur Kepatuhan Karno Compliance Director
Direktur Purnomo Budiwibowo Soetadi Director
Direktur Avianto Director
Direktur Awaldi Director
Kedua, RUPSLB tanggal 29 November 2022 yang Second, the EGMS dated November 29, 2022 which accepted
mengesahkan pengunduran diri Purnomo Budiwibowo the resignation of Purnomo Budiwibowo Soetadi as Director,
Soetadi selaku Direktur, kemudian memberhentikan dengan then respectfully dismissed Achmad Kusna Permana
hormat Achmad Kusna Permana selaku Direktur Utama, as President Director, Avianto and Awaldi as Directors,
Avianto dan Awaldi selaku Direktur, mengangkat Indra appointed Indra Falatehan as President Director, and Wahyu
Falatehan sebagai Direktur Utama, serta Wahyu Avianto Avianto and Suhendar as Directors. Thus, the composition of
dan Suhendar selaku Direktur. Dengan demikian, susunan the Board of Directors effective since the closing of the EGMS
Direksi sejak ditutupnya RUPSLB tanggal 29 November 2022 on November 29, 2022 until the issuance of this report, is as
sampai dengan diterbitkannya laporan ini, adalah sebagai follows:
berikut:
Direktur Utama Indra Falatehan President Director

Direktur Kepatuhan Karno Compliance Director
Direktur Wahyu Avianto Director
Direktur Suhendar Director

Laporan Manajemen
Management Report
Direksi serta seluruh karyawan Bank Muamalat The Board of Directors and all employees of Bank
menyampaikan terima kasih dan apresiasi tertinggi Muamalat would like to express their gratitude and highest
kepada Achmad Kusna Permana, Andry Donny, Purnomo appreciation to Achmad Kusna Permana, Andry Donny,
Budiwibowo Soetadi, Avianto, dan Awaldi, atas dedikasi Purnomo Budiwibowo Soetadi, Avianto, and Awaldi, for
dan kontribusi bagi Bank Muamalat hingga dapat mencapai their dedication and contribution so that the Bank is able to
kondisi saat ini. achieve its current condition.
APRESIASI DAN PENUTUP APPRECIATION AND CLOSING

Direksi menyampaikan ucapan terima kasih kepada seluruh The Board of Directors would like to thank all stakeholders,
pemangku kepentingan, nasabah, dan mitra usaha, serta customers and business partners, as well as all shareholders
kepada seluruh pemegang saham atas kepercayaan dan for the trust and support given in carrying out the
dukungan yang diberikan dalam menjalankan kepengurusan management of the Bank's business. The Board of Directors
bisnis Bank. Direksi juga menyampaikan apresiasi kepada also expresses appreciation to the Board of Commissioners
Dewan Komisaris dan Dewan Pengawas Syariah atas and the Sharia Supervisory Board for their supervision,
pengawasan serta arahan dan nasihat untuk kemajuan direction and advice for the progress of the Bank, as well as
Bank, serta apresiasi terhadap Direksi dan Dewan Komisaris appreciation to the previous the Board of Directors and the
periode sebelumnya yang telah meletakkan dasar-dasar Board of Commissioners who have laind the foundations for
pertumbuhan bisnis yang tercermin dari perbaikan dari sisi business growth, as reflected in the improvement of financial
indikator keuangan dan realisasi inisiatif strategis tahun indicators and the realization of strategic initiatives in 2022.
2022.
Kepada seluruh karyawan, Direksi menyampaikan apresiasi To all employees, the Board of Directors expresses its highest
yang tinggi atas dedikasi serta profesionalitasnya dalam appreciation for their dedication and professionalism in
menjalankan tugas dan tanggung jawab di tengah beragam carrying out their duties and responsibilities amidst various
tantangan yang dihadapi. Direksi menyadari bahwa challenges faced. The Board of Directors realizes that the
kontribusi dari seluruh karyawan sangat berperan dalam contribution of all employees is instrumental in the process
proses pencapaian target serta visi misi Bank ke depan. of achieving the Bank's targets and vision and mission going
forward.
Apresiasi yang tinggi kami sampaikan kepada regulator yang We convey our high appreciation to the regulators who
senantiasa mendukung seluruh proses aksi korporasi Bank continue to support the Bank’s corporate actions as well
serta panduan agar tetap menjadi bank yang menjalankan as for their guidance to remain a bank that conducts
usaha dengan integritas serta menyiarkan nilai tambah business with integrity and generates added value from the
dari penerapan prinsip-prinsip syariah. Direksi juga implementation of sharia principles. The Board of Directors
menyampaikan terima kasih kepada para nasabah atas also thank the customers for the trust and support that
kepercayaan dan dukungan yang telah diberikan kepada has been given to the Bank to serve the banking needs
Bank untuk melayani kebutuhan perbankan nasabah serta of customers and business partners for the ongoing
mitra usaha atas kerja sama yang telah berjalan. cooperation.

Pencapaian kinerja Bank Muamalat di tahun 2022 akan The achievement of Bank Muamalat's performance in 2022
menjadi pemacu semangat optimalisasi kinerja di tahun will be a driving force for optimizing performance in 2023. The
2023. Direksi meyakini ketangguhan Bank Muamalat Board of Directors believes in Bank Muamalat's resilience in
dalam menghadapi berbagai tantangan. Dengan masuknya facing various challenges. With the entry of a new controlling
pemegang saham pengendali baru dengan beragam potensi shareholder with a variety of potential synergies, the Board
sinergi, Direksi berharap Bank Muamalat akan semakin kuat of Directors hopes that Bank Muamalat will be stronger to
untuk tumbuh lebih pesat bagi kemaslahatan umat dalam grow more rapidly for the benefit of the people in welcoming
menyongsong masa depan yang lebih cerah. a brighter future.
Indra Falatehan
Direktur Utama
President Director

Laporan Manajemen
Management Report
Direksi dan Pejabat Eksekutif Senior

Board of Directors and Senior Executive Officers
Hery Syafril Indra Falatehan Karno

Direktur Risiko Bisnis Pembiayaan Direktur Utama Direktur Kepatuhan, Risiko, dan Hukum
Financing Risk Business Director President Director Compliance, Risk, and Legal Director

Wahyu Avianto Suhendar Irvan Yulian Noor Riksa Prakoso

Direktur Operasi dan Digital Direktur Keuangan Senior Executive Senior Executive
Operation and Digital Director dan Strategi Vice President (SEVP) Vice President (SEVP)
Finance and Strategy Enterprise Banking Human Capital
Director

Laporan Manajemen
Management Report
Surat Pernyataan Dewan Komisaris

tentang Tanggung Jawab atas Laporan Tahunan 2022
Statement of the Board of Commissioners
regarding Responsibility for the 2022 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 2022 Annual Report of PT Bank Muamalat Indonesia Tbk
Muamalat Indonesia Tbk tahun 2022 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, 18 April 2023 Jakarta, April 18, 2023
Dewan Komisaris
Amin Said Husni

Komisaris Independen
Independent Commissioner
Sartono Andre Mirza Hartawan

Komisaris Independen Komisaris
Independent Commissioner Commissioner

Surat Pernyataan Direksi

tentang Tanggung Jawab atas Laporan Tahunan 2022
Statement of the Board of Directors
regarding Responsibility for the 2022 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 2022 Annual Report of PT Bank Muamalat Indonesia Tbk
Muamalat Indonesia Tbk tahun 2022 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, 18 April 2023 Jakarta, April 18, 2023
Direksi
Board of Directors
Indra Falatehan
Direktur Utama
President Director
Hery Syafril Karno

Direktur Risiko Bisnis Pembiayaan Direktur Kepatuhan
Financing Risk Business Director Compliance Director
Wahyu Avianto Suhendar

Direktur Operasi dan Digital Direktur Keuangan dan Strategi
Operation and Digital Director Finance and Strategy Director

Profil
Perusahaan
Company Profile
64 Identitas Perusahaan 124 Profil Direksi dan Pejabat Eksekutif
Company Identity Senior
Profile of the Board of Directors and
66 Riwayat Singkat
Senior Executive Officers
History in Brief
69 Logo Perusahaan 136 Profil Pejabat Eksekutif
Company Logo Profile of Executive Officers
70 Jejak Langkah 141 Statistik Karyawan

Milestones Employee Statistics
72 Visi, Misi, dan Nilai Perusahaan 152 Informasi Pemegang Saham Utama dan
Vision, Mission, and Company Value Pengendali
Information on Major and Controlling
74 Bidang Usaha Shareholders
Line of Business
156 Kronologi Pencatatan Saham
77 Produk dan Layanan Share Listing Chronology
Products and Services
157 Kronologi Pencatatan Efek Lainnya
89 Wilayah Operasional Chronology of Listing of Other Securities
Operational Area
158 Struktur Grup Perusahaan
102 Peta Jaringan Bisnis dan Wilayah Company Group Structure
Operasi
Map of Business Network and Operating 159 Profil Entitas Anak dan Entitas Asosiasi
Areas Profile of Subsidiaries and Associates
104 Struktur Organisasi 162 Daftar Entitas Anak dan Asosiasi

Organization Structure List of Subsidiaries and Associates
106 Komite Level Komisaris 162 Kantor Akuntan Publik

Board of Commissioners Level Public Accounting Office
Committees 163 Nama dan Alamat Lembaga serta
Profesi Penunjang Pasar Modal
107 Komite Level Direksi
Name and Address of Capital Market
Board of Directors Level Committees
Supporting Institutions and Professionals
108 Profil Dewan Pengawas Syariah
Profile of the Sharia Supervisory Board 165 Informasi pada Website Perusahaan
Information on the Company Website
114 Profil Dewan Komisaris
Profile of the Board of Commissionners
Profil Perusahaan
Company Profile
Identitas Perusahaan
Company Identity
Nama Nama Panggilan Bidang Usaha

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

Sharia Banking
Muamalat Indonesia (BMI)
Indonesia Tbk
Dasar Hukum Pendirian Tanggal Pendirian

Legal Basis of Establishment Date of Establishment
Akta No. 1 tanggal 1 November 1991 Masehi atau 24 Rabiul Akhir 1 November 1991/Resmi
1412 H, dibuat di hadapan Yudo Paripurno, S.H., Notaris, di Jakarta. beroperasi 1 Mei 1992
Akta pendirian tersebut telah memperoleh pengesahan Menteri 1 November 1991/Officially
Kehakiman Republik Indonesia dengan Surat Keputusan No. operational on 1 May 1992
C2-2413.HT.01.01 Tahun 1992 tanggal 21 Maret 1992 dan telah
didaftarkan pada kantor Pengadilan Negeri Jakarta Pusat pada
tanggal 30 Maret 1992 di bawah No. 970/1992 serta diumumkan
dalam Berita Negara Republik Indonesia No. 34 tanggal 28 April
1992 Tambahan No. 1919A.
Modal Dasar
Deed No. 1 dated November 1, 1991 AD or Rabiul Akhir 24, 1412 Authorized Capital
H, made in the presence of Mr. Yudo Paripurno, S.H., Notary, in
Jakarta. The deed of establishment has obtained the approval of Rp5.600.000.000.000
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 in the State Gazette of
the Republic of Indonesia No. 34 dated 28 April 1992 Supplement
No. 1919A.
Modal Ditempatkan
Issued Capital
Rp2.297.736.324.210
Kepemilikan Saham
Share Ownership
• Badan Pengelola Keuangan Haji : 82,65%

• Ir. Andre Mirza Hartawan, MBA : 5,19%
• Apliani : 2,48%
• Reza Rhenaldi Syaiful : 2,19% Jumlah Karyawan Tahun Buku
• Dewi Monita : 2,18% Number of Employees for the Fiscal
• Islamic Development Bank : 2,04% Year
• Masyarakat (masing-masing <5%)
Public (each <5%) : 3,26%
Total : 100,00% orang/persons 2.480

Sekretaris Perusahaan Jaringan Layanan

Corporate Secretary Network of Services
corporate.affairs@bankmuamalat.co.id 235 Kantor Layanan, terdiri dari | Service Offices, consisting of:
• Kantor Cabang | Branch Offices : 80
• Kantor Cabang Pembantu | Sub-Branch Offices : 128
• Kantor Kas | Cash Offices : 27
ATM : 564
Mobile Branch : 55
Kontak Alamat ATM Bersama : ±77.000
Contact Address ATM Prima | Prima ATM : ±90.000
Sekretaris Perusahaan | Corporate Secretary

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

Facebook : BankMuamalatIndonesia
Twitter : @BankMuamalat
Instagram : @bank.muamalat Entitas Asosiasi dan Afiliasi
YouTube : Bank Muamalat Associates and Affiliates
• PT Al Ijarah Indonesia Finance (ALIF)

• Baitulmaal Muamalat (BMM)
• Dana Pensiun Lembaga Keuangan (DPLK) Muamalat
Alamat Kantor Cabang Luar Negeri Muamalat Financial Institution Pension Fund
Address of Overseas Branch Office • Muamalat Institute
• PT Syarikat Takaful Indonesia
Kantor Cabang Kuala Lumpur, Malaysia
Suite 1.03-1.05 Ground Floor No. 67
Wisma Goldhill Jalan Raja Chulan 50200
Kuala Lumpur Malaysia 50200 Anggaran Dasar Terkini
Tel.: +603 2711 0807/7427 Most Recent Articles of Association
Akta No. 21 tanggal 9 Desember 2022 dibuat di hadapan Notaris

Ashoya Ratam, S.H. M.Kn, dan pemberitahuan atas perubahan
anggaran dasarnya telah diterima dan dicatat oleh Menteri
Situs Hukum dan Hak Asasi Manusia Republik Indonesia sesuai suratnya
tertanggal 14 Desember 2022 No. AHU-AH.01.03-0326274
Website
Deed No. 21 dated December 9, 2022 made before Notary
www.bankmuamalat.co.id
Ashoya Ratam, S.H. M.Kn, and notification of the amendment to
its articles of association has been received and recorded by the
Minister of Law and Human Rights of the Republic of Indonesia
in accordance with his letter dated December 14, 2022 No. AHU-
AH.01.03-0326274.

Profil Perusahaan
Company Profile
Riwayat Singkat
History in Brief
PT Bank Muamalat Indonesia Tbk (BMI) (“BMI”, “Bank”) PT Bank Muamalat Indonesia Tbk (BMI) ("BMI", "Bank") is
merupakan bank pertama di Indonesia yang menggunakan Indonesia's first Sharia banking institution. The Company
konsep perbankan secara Syariah. Perseroan didirikan was established based on the Deed of Establishment No. 1
berdasarkan Akta Pendirian No. 1 tanggal 1 November 1991 dated November 1, 1991 AD or 24 Rabiul Akhir 1412 Hijriah,
Masehi atau 24 Rabiul Akhir 1412 Hijriah, dibuat dihadapan made before Yudo Paripurno, SH, Notary, in Jakarta. The
Yudo Paripurno, SH, Notaris, di Jakarta. Akta pendirian deed of establishment was approved by the Minister of
tersebut telah memperoleh pengesahan Menteri Kehakiman Justice of the Republic of Indonesia by Decree No. C2-2413.
Republik Indonesia dengan Surat Keputusan No. C2-2413. HT.01.01 of 1992 dated March 21, 1992, and registered at the
HT.01.01 tahun 1992 tanggal 21 Maret 1992 dan telah Central Jakarta District Court on March 30, 1992, under No.
didaftarkan pada kantor Pengadilan Negeri Jakarta Pusat 970/1992 and published in the State Gazette of the Republic
pada tanggal 30 Maret 1992 di bawah No. 970/1992 serta of Indonesia No. 34 dated April 28, 1992, supplement No.
diumumkan dalam Berita Negara Republik Indonesia No. 34 1919A.
tanggal 28 April 1992 tambahan No. 1919A.
Anggaran Dasar Bank telah beberapa kali mengalami The Bank's Articles of Association have been amended
perubahan sebagaimana terakhir perubahan Anggaran several times, with the most recent amendment formulated
Dasar yang dirumuskan pada Akta No. 21 tanggal 09 in Deed No. 21 dated December 09, 2022 before Notary
Desember 2022 dibuat di hadapan Notaris Ashoya Ratam, Ashoya Ratam, S.H. M.Kn, and notification of the amendment
S.H. M.Kn, dan pemberitahuan atas perubahan anggaran to the articles of association 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 his letter dated December 14,
tertanggal 14 Desember 2022 No. AHU-AH.01.03-0326274. 2022 No. AHU-AH.01.03-0326274.
BMI didirikan atas gagasan dari Majelis Ulama Indonesia BMI was founded on the idea of the Indonesian Ulema
(MUI), Ikatan Cendekiawan Muslim Indonesia (ICMI) dan Council (MUI), the Indonesian Muslim Scholars Association
pengusaha muslim yang kemudian mendapat dukungan (ICMI), and Muslim entrepreneurs who later received support
dari Pemerintah Republik Indonesia. Perseroan telah from the Government of the Republic of Indonesia. The
memperoleh izin untuk beroperasi sebagai bank umum Company has secured a commercial banking license based
berdasarkan Surat Keputusan Menteri Keuangan Republik on the Decree of the Minister of Finance of the Republic of
Indonesia No. 430/KMK.013/1992 tentang Pemberian Indonesia No. 430/KMK.013/1992 concerning the Granting
Izin Usaha Perseroan di Jakarta tanggal 24 April 1992, of Business License of the Company in Jakarta dated April 24,
sebagaimana diubah dengan Surat Keputusan Menteri 1992, as amended by the Decree of the Minister of Finance
Keuangan No. 131/KMK.017/1995 tentang Perubahan No. 131/KMK.017/1995 concerning Amendments to the
Keputusan Menteri Keuangan No. 430/KMK.013/1992 Decree of the Minister of Finance No. 430/KMK.013/1992
tentang Pemberian Izin Usaha Perseroan tanggal 30 Maret concerning the Granting of Business License of the Company
1995 yang dalam keputusannya memberikan izin kepada dated March 30, 1995 which in its decision permitted the
Perseroan untuk dapat melakukan usaha sebagai bank Company to be able to conduct business as a commercial
umum berdasarkan prinsip syariah. bank based on sharia principles.
Bank Muamalat merupakan perusahaan publik yang Bank Muamalat is a public corporation whose shares are not
sahamnya tidak tercatat di Bursa Efek Indonesia (BEI) dan traded on the Indonesia Stock Exchange (IDX). It has been
secara resmi beroperasi sebagai Bank Devisa sejak tanggal operating as a Foreign Exchange Bank since October 27,
27 Oktober 1994 berdasarkan Surat Keputusan Direksi Bank 1994, based on the Decree of the Board of Directors of Bank
Indonesia No. 27/76/KEP/DIR tentang Penunjukan PT Bank Indonesia No. 27/76/KEP/DIR concerning the Appointment
Muamalat Indonesia Menjadi Bank Devisa tanggal 27 Oktober of PT Bank Muamalat Indonesia as a Foreign Exchange Bank
1994. Berdasarkan Surat Keputusan Menteri Keuangan No. dated October 27, 1994. Based on the Decree of the Minister
S-79/MK.03/1995 tanggal 6 Februari 1995, Perseroan secara of Finance No. S-79/MK.03/1995 dated February 6, 1995,
resmi ditunjuk sebagai Bank Devisa Persepsi Kas Negara. the Company was officially appointed as a State Treasury
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 the Perception Bank status, allowing the Company to receive
Perseroan untuk menerima setoran-setoran pajak. tax deposits. Then on July 25, 2013, the Company became a
Kemudian pada tanggal 25 Juli 2013, Perseroan telah menjadi participant of the Deposit Insurance Corporation guarantee
peserta program penjaminan Lembaga Penjamin Simpanan program as stated in the Deposit Insurance Corporation
sebagaimana tercantum dalam Surat Lembaga Penjamin Letter No. S.617/DPMR/VII/2013 regarding the Participation
Simpanan No. S.617/DPMR/VII/2013 perihal Kepesertaan of Deposit Insurance Corporation. The Company was then
Lembaga Penjamin Simpanan. Perseroan lalu ditetapkan designated as the Hajj Deposit Receiving Bank based on
sebagai Bank Penerima Setoran Biaya Penyelenggaraan the Decree of the Hajj Financial Management Agency No. 4/
Ibadah Haji berdasarkan Surat Keputusan Badan Pengelola BPKH.00/2018, dated February 28, 2018.
Keuangan Haji No. 4/BPKH.00/2018 tanggal 28 Februari
2018.
BMI terus berinovasi dengan mengeluarkan produk-produk BMI continues to innovate by introducing new sharia
keuangan syariah seperti Sukuk Subordinasi Mudharabah, financial products such as Mudharabah Subordinated
Asuransi Syariah (Asuransi Takaful), Dana Pensiun Lembaga Sukuk, Sharia Insurance (Takaful Insurance), Pension Fund
Keuangan Muamalat (DPLK Muamalat) dan multifinance of Muamalat Financial Institution (DPLK Muamalat), and
syariah (Al-Ijarah Indonesia Finance) yang seluruhnya Sharia Multifinance (Al-Ijarah Indonesia Finance), all of which
menjadi terobosan baru di Indonesia. Selain itu, produk are breakthrough products in Indonesia. Furthermore, the
Shar-e yang diluncurkan pada 2004 merupakan tabungan Bank’s Shar-e, launched in 2004, is the first instant savings
instan pertama di Indonesia. in Indonesia.
Produk Shar-e Gold Debit Visa yang diluncurkan pada 2011 The Shar-e Gold Debit Visa, launched in 2011, was awarded
berhasil memperoleh penghargaan dari Museum Rekor by the Indonesian Museum of Records (MURI) as the first
Indonesia (MURI) sebagai Kartu Debit Syariah dengan Sharia Debit Card with chip technology in Indonesia, as well
teknologi chip pertama di Indonesia serta layanan e-channel as e-channel services, including internet banking, mobile
seperti internet banking, mobile banking, ATM, dan cash banking, ATM, and cash management. All of these products
management. Seluruh produk-produk itu menjadi pionir pioneering sharia products in Indonesia, marking important
produk syariah di Indonesia dan menjadi tonggak sejarah milestones in the Islamic banking industryAs the Bank's
penting di industri perbankan syariah. Seiring kapasitas Bank capacity became larger and gained more recognition, BMI
yang semakin besar dan diakui, BMI kian melebarkan sayap continued to expand its branch office network not only
dengan terus menambah jaringan kantor cabangnya tidak throughout Indonesia, but also overseas. In 2009, the Bank
hanya di seluruh Indonesia, akan tetapi juga di luar negeri. obtained permission to open a branch office in Kuala Lumpur,
Pada 2009, Bank mendapatkan izin untuk membuka kantor Malaysia, becaming the first bank in Indonesia and the only
cabang di Kuala Lumpur, Malaysia dan menjadi bank pertama one to realize business expansion in Malaysia. To date, the
di Indonesia serta satu-satunya yang mewujudkan ekspansi Bank has 239 service offices including 1 (one) branch office
bisnis di Malaysia. Hingga saat ini, Bank telah memiliki 239 in Malaysia. An extensive service network of 568 Muamalat
kantor layanan termasuk 1 (satu) kantor cabang di Malaysia. ATM units, 120,000 ATM Bersama and ATM Prima networks,
Operasional Bank juga didukung oleh jaringan layanan yang 51 Mobile Cash Cars supports the Bank's operations.
luas berupa 568 unit ATM Muamalat, 120.000 jaringan ATM
Bersama dan ATM Prima, 51 unit Mobil Kas Keliling.
BMI melakukan rebranding pada logo Bank untuk semakin BMI rebranded the Bank's logo to further increase awareness
meningkatkan awareness terhadap image sebagai Bank of its image as an Islamic, Modern and Professional
Syariah Islami, Modern dan Profesional. Bank pun terus Sharia Bank. The Bank also continues to realize various
merealisasikan berbagai pencapaian serta prestasi yang achievements that gained recognition, both nationally
diakui, baik secara nasional maupun internasional. Kini, and internationally. Today, to provide the best service to

Profil Perusahaan
Company Profile
dalam memberikan layanan terbaiknya, BMI beroperasi its customers, BMI operates with several associates and
bersama beberapa entitas asosiasi dan afiliasinya yaitu affiliated companies, namely Al- Ijarah Indonesia Finance
Al- Ijarah Indonesia Finance (ALIF) yang memberikan (ALIF) which provides sharia financing services, (DPLK
layanan pembiayaan syariah, (DPLK Muamalat) yang Muamalat) which provides pension fund services through
memberikan layanan dana pensiun melalui Dana Pensiun the Financial Institution Pension Fund, Muamalat Institute
Lembaga Keuangan, Muamalat Institute yaitu lembaga which is an institution that develops, disseminates, and
yang mengembangkan, mensosialisasikan dan memberikan provides education regarding the Islamic economic system
pendidikan mengenai sistem ekonomi syariah kepada to the community, and Baitulmaal Muamalat which provides
masyarakat, dan Baitulmaal Muamalat yang memberikan services to channel Zakat, Infaq and Sadaqah (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 tangga BMI was created under the name PT Bank Muamalat
1 November 1991 Masehi atau 24 Rabiul Akhir 1412 H, Indonesia in line with the establishment deed, Deed No.
dibuat di hadapan Yudo Paripurno, S.H., Notaris, di Jakarta, 1 dated November 1, 1991 AD or 24 Rabiul Akhir 1412 H,
BMI didirikan dengan nama PT Bank Muamalat Indonesia. made before Yudo Paripurno, S.H., Notary, in Jakarta. The
Kemudian, merujuk pada merujuk Surat Keputusan Direksi bank then changed its name to PT Bank Syariah Muamalat
Bank Indonesia No. 32/34/KEP/DIR tanggal 12 Mei 1999 Indonesia Tbk, referring to the Decree of the Board of
tentang Bank Umum berdasarkan Prinsip Syariah yang Directors of Bank Indonesia No. 32/34/KEP/DIR dated May
menentukan kewajiban mencantumkan kata “Syariah” 12, 1999 concerning Commercial Banks Based on Sharia
setelah kata “Bank” dan disahkan pada Rapat Umum Principles, which determines the obligation to include the
Pemegang Saham Luar Biasa tanggal 22 Juni 2000, Bank word "Sharia" after the word "Bank" and was approved at
berganti nama menjadi PT Bank Syariah Muamalat Indonesia the Extraordinary General Meeting of Shareholders on June
Tbk. 22, 2000.
Setelahnya, pada 23 April 2008 berdasarkan hasil Rapat Later, on April 23, 2008 based on the results of the
Umum Pemegang Saham Luar Biasa, Bank kembali Extraordinary General Meeting of Shareholders, the Bank
mengganti namanya, menggunakan nama sebelumnya yakni again changed its name, using its previous name, PT Bank
PT Bank Mualamat Indonesia Tbk. Hal ini dilakukan sesuai Mualamat Indonesia Tbk. This was done in accordance with
dengan UU No. 21 tahun 2008 tentang Perbankan Syariah Law No. 21 of 2008 concerning Islamic Banking Article 5
Pasal 5 ayat 4 di mana pencantuman kata “Syariah” setelah paragraph 4 where the inclusion of the word "Sharia" after
kata “Bank” hanya berlaku bagi bank yang mendapatkan the word "Bank" only applies to banks that obtain a business
izin usaha setelah berlakunya UU Perbankan Syariah No. 21 license after the enactment of the Islamic Banking Law No.
tahun 2008. 21 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.

Profil Perusahaan
Company Profile
Jejak Langkah
Milestones
1991 1992 1993 1994 1998
Pendirian Bank Muamalat Mulai beroperasi Perseroan menjadi Memperoleh izin • Penawaran Umum Terbatas
Indonesia sebagai pada 1 Mei 1992 atau Perusahaan sebagai Bank Devisa I Seri Saham B dengan Hak
Bank syariah pertama 27 Syawal 1412 H Terbuka yang tidak pada 27 Oktober Memesan Efek Terlebih
di Indonesia pada 1 dan menjadi pelopor tercatat sahamnya 1994. Dahulu
November 1991 atau 24 bisnis keuangan di Bursa. • Pendirian Dana Pensiun
Rabiul Akhir 1412 H. syariah lainnya. Obtained license as Lembaga Keuangan (DPLK)
The Company a Foreign Exchange Muamalat.
The establishment of Bank Commenced became a Public Bank on October 27,
Muamalat Indonesia as operations on May 1, Company whose 1994. • Limited Public Offering I Series
the first Islamic bank in 1992 or Shawal 27, shares are not B Shares with Pre-emptive
Indonesia on November 1412 H and became listed on the Stock Rights
1, 1991 or Rabiul Akhir 24, a pioneer for other Exchange. • Establishment of Muamalat
1412 H. sharia financial Financial Institution Pension
businesses. Fund (DPLK).
2000 2002 2003 2004 2005
Bank Muamalat Indonesia Penawaran Umum Menerbitkan Peluncuran produk Shar-e Penawaran Umum
melakukan perubahan Terbatas II Seri Sukuk Subordinasi yang merupakan tabungan Terbatas III Seri
atau pergantian nama Saham C dengan Mudharabah I sebesar instan pertama di Indonesia Saham C dengan
menjadi Bank Syariah Hak Memesan Efek Rp200 miliar sebagai melalui ribuan jaringan Hak Memesan Efek
Muamalat Indonesia yang Terlebih Dahulu. sukuk pertama yang online Kantor Pos di seluruh Terlebih Dahulu.
disahkan pada Rapat Umum diterbitkan oleh Indonesia, yakni System
Pemegang Saham Luar Biasa Limited Public lembaga perbankan di Online Payment Point (SOPP). Limited Public
tanggal 22 Juni 2000. Offering II Series Indonesia. Offering III Series
C Shares with Pre- The launch of Shar-e C Shares with Pre-
Bank Muamalat Indonesia emptive Rights Issued Mudharabah I product as the first instant emptive Rights.
changed its name to Subordinated Sukuk savings in Indonesia
Bank Syariah Muamalat in the amount of through thousands of Post
Indonesia pursuant to the Rp200 billion as the Office online networks
Extraordinary General first sukuk issued by throughout Indonesia called
Meeting of Shareholders on banking institution in System Online Payment
June 22, 2000. Indonesia. Point (SOPP).
2007 2008 2009 2010 2011
Pendirian Al-Ijarah • Penerbitan Sukuk Subordinasi Mudharabah II Pembukaan Penawaran Peluncuran

Indonesia Finance sebesar Rp314 miliar. kantor cabang Umum Terbatas produk Shar-e
(ALIF) sebagai • Bank kembali menggunakan nama PT Bank internasional IV Seri Saham Gold Debit Visa.
multifinance Muamalat Indonesia Tbk tahun 2008 sesuai pertama di C dengan Hak
syariah pertama di dengan keputusan Rapat Umum Pemegang Kuala Lumpur, Memesan The launch of
Indonesia. Saham Luar Biasa tanggal 23 April 2008. Malaysia. Efek Terlebih the Shar-e Gold
Dahulu. Debit Visa Card.
Establishment of • Issuance of Mudharabah II Subordinated The opening
Al-Ijarah Indonesia Sukuk in the amount of Rp314 billion. of the first Limited Public
Finance (ALIF) as • The Bank changed its name back to PT Bank international Offering IV
the first sharia Muamalat Indonesia Tbk in accordance with branch office in Series C Shares
multifinance in the resolution of the Extraordinary General Kuala Lumpur, with Pre-
Indonesia. Meeting of Shareholders dated April 23, 2008. Malaysia. emptive Rights.

2012 2013 2015 2016 2017
• Bank Muamalat • Penawaran Umum Peresmian Muamalat Tower Meluncurkan Pada bulan Juli 2017,
Indonesia melakukan Terbatas V Saham Seri B sebagai Kantor Pusat Bank aplikasi Bank Muamalat
rebranding atau dengan Hak Memesan Muamalat Indonesia di mana Muamalat Indonesia menerbitkan
perubahan logo. Efek Terlebih Dahulu Otoritas Jasa Keuangan telah Mobile Banking. Medium Term Notes
• Menerbitkan • Menerbitkan memberikan persetujuan atas Sharia (MTNS) dengan
Sukuk Subordinasi Sukuk Subordinasi pemindahan alamat kantor pusat Launch of total nilai Rp200
Mudharabah Mudharabah Bank Muamalat berdasarkan Muamalat miliar, yang terdiri dari
Berkelanjutan I Berkelanjutan I Tahap Surat Otoritas Jasa Keuangan Mobile Banking Rp100 miliar MTNS
Tahap I Tahun 2012 II tahun 2013 senilai No. S-65/PB.1/2015 perihal application. subordinasi dengan
senilai Rp800 miliar. Rp700 miliar. Permohonan Izin Pemindahan tenor 5 tahun dan
Alamat Kantor Pusat Operasional Rp100 miliar MTNS
• Bank Muamalat • Limited Public Offering dan Non Operasional PT Bank dengan tenor 3 tahun.
Indonesia engaged V Series B Shares with Muamalat Indonesia Tbk.
in a rebranding with Pre-emptive Rights In July 2017, Bank
a logo change. • Issuance of Shelf- Inauguration of Muamalat Tower Muamalat issued
• Issuance of Registration as the Head Office of Bank Medium Term Notes
Shelf-Registration Mudharabah Muamalat Indonesia where Sharia (MTNS) with a
Mudharabah Subordinated Sukuk I the Financial Services Authority total of Rp200 billion,
Subordinated Sukuk Tranche II 2013 in the has given the approval for the consisting of Rp100
I Tranche I 2012 in amount of Rp700 billion. change of address of Bank billion subordinated
the amount of Rp800 Muamalat’s head office based on MTNS with 5-year
billion. the Financial Services Authority tenor and Rp100 billion
Letter No. S-65/PB.1/2015 on MTNS with 3-year
Application for Permit for Change tenor.
of Address for Operational
and Non-Operational Head
Office of PT Bank Muamalat
Indonesia Tbk.
2018 2019 2020 2021 2022
• Meluncurkan kampanye Meluncurkan Menerima • Bank Muamalat masuk • Bank Muamalat

#AyoHijrah yang mengajak aplikasi mobile penghargaan Jajaran Bank Terbaik menerbitkan Sukuk
masyarakat untuk berhijrah banking terbaru sebagai Peringkat Dunia Versi Forbes
Subordinasi Mudharabah
dalam hal layanan syariah. yaitu Muamalat ke-1 Digital Brand • Bank Muamalat
Kampanye #AyoHijrah dilandasi Digital Islamic Awards Bank Umum menerbitkan Sukuk Jangka Panjang yang
oleh cita-cita Bank yang ingin Network (DIN) Syariah BUKU 2 Mudharabah Bank dilakukan tanpa Penawaran
menjadi pusat ekosistem yang dilengkapi dengan Aset Rp25 Muamalat Indonesia Umum senilai Rp2 Triliun.
ekonomi syariah di Indonesia. dengan berbagai triliun ke Atas dari Tahun 2021 pada • Bank Muamalat
Bank Muamalat Indonesia fitur terbaru Infobank. tanggal 15 November
mendapatkan peringkat
ingin turut membangun yang dirancang 2021 tanpa Penawaran
industri halal di dalam negeri untuk melakukan Awarded Rank Umum dengan tanggal (rating) idA+ dari
yang diselaraskan dengan transaksi finansial 1st Digital Brand jatuh tempo pada 15 PT Pemeringkat Efek
perkembangan teknologi maupun non Awards Sharia November 2041. Indonesia (Pefindo) dengan
digital. finansial secara Commercial Banks • Penawaran Umum prospek perusahaan ‘stabil’.
• Menerbitkan Sukuk Subordinasi real time dengan BUKU 2 with Assets Terbatas (Penambahan
Peringkat ini juga berlaku
Mudharabah Trust Certificate fitur yang lebih Above Rp25 trillion Modal Dengan Hak
senilai Rp1,6 triliun. aman. from Infobank. Memesan Efek Terlebih untuk Sukuk Mudharabah
Dahulu) VI Saham Seri C. Tahun 2021.
• Launched the #AyoHijrah The launching
campaign inviting people to of the latest • Bank Muamalat is ranked • Bank Muamalat issued a
migrate to Islamic banking mobile banking among the World’s Best
Long-Term Mudharabah
services. #AyoHijrah campaign application, Banks according to
is the embodiment of the Muamalat Digital Forbes. Subordinated Sukuk of
Bank’s ideals to be the center Islamic Network • Bank Muamalat issued Rp2 Trillion without Public
of the Islamic economic (DIN), which is the Bank Muamalat Offering.
ecosystem in Indonesia. equipped with Indonesia Sukuk • Bank Muamalat received an
Bank Muamalat Indonesia various latest Mudharabah Year 2021
idA+ rating from
wants to support domestic features designed on November 15, 2021
halal industries aligned with to conduct without a Public Offering PT Pemeringkat Efek
the development of digital financial and with a maturity date on Indonesia (Pefindo with
technology. non-financial November 15, 2041. 'stable' corporate prospects.
• Issuance of Mudharabah transactions in real • Limited Public Offering This rating also applies to
Subordinated Sukuk Trust time with more (Issuance of New Shares
Sukuk Mudharabah Year
Certificate in the amount of secure features. with Pre-emptive Right) VI
Rp1.6 trillion. Series C Shares. 2021.

Profil Perusahaan
Company Profile
Visi, Misi, dan Nilai Perusahaan

Vision, Mission, and Corporate Value
REVIEW TERHADAP VISI DAN MISI REVIEW ON THE COMPANY’S VISION AND
PERUSAHAAN MISSION
Bank Muamalat Indonesia telah melakukan kajian dan Bank Muamalat Indonesia conducted a study and review on
review mengenai kesesuaian Visi dan Misi Perusahaan the alignment of the Company’s Vision and Mission towards
terhadap kondisi Bank saat ini serta tantangan usaha yang the Bank’s condition and upcoming business challenges.
akan dihadapi ke depan. Review dan persetujuan bersama The collective review and agreement of the Board of
dari Dewan Komisaris dan Direksi, disimpulkan bahwa Visi Commissioners and Directors concluded that the Company’s
dan Misi Perusahaan mengalami perubahan sesuai dengan Vision and Mission have changed in line with the recent
kondisi Bank Muamalat Indonesia saat ini dan tantangan conditions of Bank Muamalat Indonesia and the upcoming
yang akan dihadapi Bank ke depan. challenges the Bank will encounter.
VISI Vision
Menjadi Bank Syariah Terbaik dan termasuk dalam 10 Bank Terbesar di Indonesia
dengan eksistensi penguasaan yang diakui di tingkat regional.
To be the Best Islamic and one of the Top 10 Banks in Indonesia with Strong Regional Presence.
MISI Mission
Membangun Lembaga Keuangan Syariah yang Unggul dan Berkesinambungan dengan penekanan pada
semangat kewirausahaan berdasarkan prinsip kehati-hatian, keunggulan sumber daya manusia yang
islami dan profesional serta orientasi investasi yang inovatif untuk memaksimalkan nilai kepada seluruh
pemangku kepentingan.
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 working
yang harus dilaksanakan oleh seluruh karyawan Muamalat that should be implemented by all employees and are
diyakini mampu mengantarkan Bank Muamalat Indonesia believed to be capable of delivering Bank Muamalat Indonesia
mencapai visi misinya. Nilai Utama Bank Muamalat to achieve its vision and mission. The Core values of Bank
Indonesia adalah Islami–Modern–Profesional, yang Muamalat Indonesia are Islami – Modern – Professional.
kemudian diturunkan menjadi 5 (lima) Perilaku Utama These Core values are expanded into five main behaviours.
dimana nilai Islami diturunkan menjadi Integritas, nilai Islami value translates into Integrity, Modern value translates
Modern diturunkan menjadi Terbuka dan Tanggap, serta into Openness and Responsiveness, and Professional value
nilai Profesional diturunkan menjadi Kompeten dan Prima. translates into Competence and Excellence. Each of these
Ke-5 (kelima) perilaku utama tersebut untuk selanjutnya five main behaviours become the basis for seven behaviour
diturunkan masing-masing memiliki 7 (tujuh) indikator indicators and 11 Do’s and Don’ts which employees use as
perilaku dan 11 Do’s and Dont’s sebagai panduan karyawan the guideline in performing their daily tasks.
dalam penerapan nilai-nilai tersebut dalam pelaksanaan
kerja sehari-hari.

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

Profil Perusahaan
Company Profile
Bidang Usaha
Line of Business
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.
BIDANG USAHA SESUAI ANGGARAN DASAR LINE OF BUSINESS 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.

Profil Perusahaan
Company Profile
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.
Di samping 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
BIDANG USAHA YANG DIJALANKAN PADA LINE OF BUSINESS OPERATED IN THE FISCAL
TAHUN BUKU YEAR
Kegiatan usaha Bank pada tahun 2022 masih sesuai dengan The Bank’s business activities in 2022 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:

Profil Perusahaan
Company Profile
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.

Profil Perusahaan
Company Profile

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
diperuntukkan 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.

Profil Perusahaan
Company Profile

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.

Profil Perusahaan
Company Profile
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.

Profil Perusahaan
Company Profile
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 isi ulang, Virtual Accounts) purchases (top-up credit, electricity
Token Listrik dan uang elektronik), pembayaran tokens and cash). electronic), payments using QRIS,
menggunakan QRIS, pembukaan deposito, opening deposits, opening additional accounts (ETB)
pembukaan rekening tambahan (ETB) serta rekening as well as new accounts (NTB) and non-transactional
baru (NTB) dan non transaksional berupa cek saldo, in the form of balance checks, account mutations,
mutasi rekening, info produk, live chat via whatsapp, product info, live chat via whatsapp, language, Qibla,
bahasa, kiblat, jadwal sholat dan informasi promo. prayer schedules and promo information. Mobile
Mobile Banking Muamalat (DIN) menawarkan juga Banking Muamalat (DIN) also offers convenience in
kemudahan dalam bertransaksi secara real time, making transactions in real time, safe and practical
aman dan praktis menggunakan perangkat smart using smart phone devices of customers who are
phone nasabah yang terdaftar di bank dan terkoneksi registered with the bank and connected to the
jaringan internet. Muamalat DIN dapat digunakan internet network. Muamalat DIN can be used on
pada sistem operasi Android dan IOS. Untuk dapat Android and IOS operating systems. To be able to
menggunakan layanan Muamalat DIN, nasabah use the Muamalat DIN service, customers only need
hanya perlu mengunduh aplikasi Muamalat DIN dari to download the Muamalat DIN application from
app store (Apple) dan play store (Android) dengan the app store (Apple) and play store (Android) with
kata kunci “Muamalat DIN” dan cukup melakukan the keyword “Muamalat DIN” and simply register
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
Muamalat serta melakukan aktivasi transaksi activate financial transactions through the nearest
finansial melalui cabang Muamalat terdekat. Muamalat branch.

Profil Perusahaan
Company Profile
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 di luar 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 2022
2022 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 DOMESTIC AND/OR FOREIGN NETWORK AND
DALAM 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 2022 fiscal year, BMI’s
Sampai dengan berakhirnya tahun buku 2022, jaringan kerja domestic network consisted of 235 branches, including head
Bank di dalam negeri sebanyak 235 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 2022, Bank Muamalat Indonesia As of December 31, 2022, Bank Muamalat Indonesia had 235
memiliki 235 kantor layanan termasuk 1 (satu) kantor cabang service offices including 1 (one) branch office in Malaysia. The
di Malaysia. Operasional Bank juga didukung oleh 55 Mobile Bank’s operations are also supported by 55 Mobile Branches
Branch ditambah jaringan layanan yang luas berupa 482 plus an extensive service network of 482 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 Type of Office
2022 2021 2020 2019 2018 Description

Kantor Pusat 1 1 1 1 1 Head Office
Kantor Cabang Utama 80 80 81 83 83 Main Branch Office
Kantor Cabang Pembantu 128 131 135 150 150 Sub-branch Office
Kantor Kas 27 28 33 43 43 Cash Office
Kantor Luar Negeri 1 1 1 1 1 Overseas Branch Office
Jumlah 235 239 249 276 276 Total

Profil Perusahaan
Company Profile
Bank beroperasi di seluruh wilayah Indonesia serta Kuala The Bank’s operational areas are throughout Indonesia
Lumpur, Malaysia. Berikut adalah sebaran kantor dari and Kuala Lumpur, Malaysia. The following is the spread
wilayah operasional BMI per 31 Desember 2022. of branch offices from BMI’s operational areas as of
December 31, 2022.
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 Kota Bekasi Jawa Barat 021-8840867 KCU
Kalimalang Blok B Ii No 20-22 City of Bekasi West Java
Bekasi-Kalimalang Branch Jl. KH Noer Ali
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 City of Tangerang
Tangerang BSD Branch Ruko Perkantoran BSD
Office Serpong 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 Kota Samarinda Kalimantan Timur 0541-745511 KCU
Samarinda Branch Office No. 3a-b Kel. Dadi Mulya Kec. City of Samarinda East Kalimantan
Samarinda Ulu
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

Kota/
Kabupaten
City/Regency
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 Kota Malang Jawa Timur 0341-556020 KCU
Malang Branch Office Kel. Kidul Dalem, Kec. Klojen, City of Malang East Java
Kota Malang, Jawa Timur
Kantor Cabang Gorontalo Jl. Raja Eyato No. 35A, Kota Gorontalo Gorontalo 0435-831747 KCU
Gorontalo Branch Office Kel. 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 Kota Jambi Jambi 0741-7551241 KCU
Jambi Branch Office Kel. Murni Kec. Telanai Pura, City of Jambi
Kota 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 Kota Palembang Sumatera Selatan 0711-351239 KCU
Palembang Branch Office Komp. Ilir Barat Permai Blok City of Palembang South Sumatra
D2 No. 64-65 Palembang
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 Kota Kediri Jawa Timur 0354-671801 KCU
Kediri Branch Office Kel. Dandangan Kediri City of Kediri East Java
Kantor Cabang Komp. Ruko Satria Plaza Kab. Banyumas Jawa Tengah 0281-642345 KCU
Purwokerto Blok A5 Jl. Jend Sudirman Regency of Central Java
Purwokerto Branch Office Purwokerto 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 Banda Aceh
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 Siantar North Sumatra
Pematangsiantar No. 6 dan 7 Pematangsiantar City of Pematang
Branch Office Siantar
Kantor Cabang Palu Jl. Prof. Moh. Yamin Kota Palu Sulawesi Tengah 0451-457555 KCU
Palu Branch Office Kompleks Perkantoran City of Palu Central Sulawesi
D’vatulemo No. 2-3 Palu
Kantor Cabang Ternate Jl. Hasan Esa No. 19, Kota Ternate Maluku Utara 0921-3124458 KCU
Ternate Branch Office Kel. Takoma Ternate City of Ternate North Maluku
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 Kota Serang Banten 0254-229180 KCU
Serang Branch Office Kel. Sumur Pecung Kec. City of Serang
Serang
Kantor Cabang Pangkal Jl. Ahmad Yani Dalam Kota Pangkal Bangka Belitung 0717-422812 KCU
Pinang Kel. Bukit Sari, Kec. Pinang
Pangkal Pinang Branch Gerunggang City of Pangkal
Office Pangkal Pinang Pinang

Profil Perusahaan
Company Profile
Kota/
Kabupaten
City/Regency
Kantor Cabang Tanjung Jl. Raja Ali Haji No. 50, Kota Tanjungpinang Kepulauan 0771-441 999 KCU
Pinang Tanjung Pinang, Kepulauan City of Riau
Tanjung Pinang Branch Riau Tanjungpinang Riau Islands
Office
Kantor Cabang Sukabumi Jl. Jend Sudirman No. 39 Kab. Sukabumi Jawa Barat 0266-245888 KCU
Sukabumi Branch Office Kel Benteng, Kec Warudoyong, Regency of West Java
Sukabumi Sukabumi
Kantor Cabang Kupang Jl. Jenderal Sudirman Kab. Kupang Nusa Tenggara 0380 829554/56 KCU
Kupang Branch Office No. 8e-8f, Kel. Kuanino, Kec. Regency of Kupang Timur
Oebobo, 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 Kab. Jayapura Papua 0967-551777 KCU
Jayapura Branch Office Blok C No. 33 Dok Ii Jayapura- Regency of
Papua 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 Surabaya
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 Wil. Kota Jakarta DKI Jakarta 021-4786-4444 KCU
Rawamangun Kel. Jati, Kec. Pulo Gadung Timur
Jakarta-Rawamangun Jakarta Timur East Jakarta
Branch Office
Kantor Cabang Jakarta- Ruko Emerald Avenue 2 Kota Tangerang Banten 021-56980556 KCU
Bintaro Jaya Blok Eb/B No. 16-18 Bintaro City of Tangerang
Jakarta-Bintaro Jaya Jaya, Kel. Parigi, Kec. Pondok
Branch Office Aren
Kantor Cabang Jakarta- Sentra Niaga Puri Indah Wil. Kota Jakarta DKI Jakarta 021-5817259 KCU
Puri Indah Blok 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 Wil. Kota Jakarta DKI Jakarta 021-6325614 KCU
Roxy Jl. Kh. 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
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

Kota/
Kabupaten
City/Regency
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 Wil. Kota Jakarta DKI Jakarta 021-86609797 KCU
Buaran Klender Blok C 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 Square Kota Tegal Jawa Timur 0283-354807 KCU
Tegal Branch Office No. 3-4 Jl. Gajah Mada RT/RW City of Tegal East Java
07/02, Kel. Mintaragen, Kec.
Tegal Timur
Kantor Cabang Jakarta- Jl. Tuparev No. 297, Kab. Karawang Jawa Barat 0267-8452333 KCU
Karawang Karawang Barat, Kab. Regency of West Java
Jakarta-Karawang Branch Karawang 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 outside Indonesia
Kuala Lumpur Branch Jalan Raja Chulan 50200
Office Kuala Lumpur
Kantor Cabang Jakarta- Jl. Otista Raya No. 409, Wil. Kota Jakarta DKI Jakarta 021-65867770 KCU
Otista RT. 006/RW.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, Kota Depok Jawa Barat 021-62201187 KCU
Bojongsari Jl. 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, Kota Mataram Nusa Tenggara 0370-646060 KCU
Mataram Branch Office Kel. Gomong Barat, City of Mataram Barat
Kec. Selaparang West Nusa
Mataram Tenggara
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
Profil Perusahaan
Company Profile
Kota/
Kabupaten
City/Regency
KCP Bandung-Purwakarta Jl. RE Martadinata No. 39 Kota Bandung Jawa Barat 0264-8220000 KCP
Bandung-Purwakarta Sub- Kota Purwakarta City of Bandung West Java
Branch Office
KCP Bandung-Cicadas Jl. Ahmad Yani No. 821 Kota Bandung Jawa Barat 022-7277749 KCP
Bandung-Cicadas Sub- Kec. 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 Kab. Bogor Jawa Barat 021-87919683 KCP
Bogor-Cibinong Sub- Blok 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 Kab. Cirebon Jawa Barat 0232-879664 KCP
Cirebon-Kuningan Sub- Kuningan 45511 Regency of Cirebon West Java
Branch Office
KCP Cirebon-Majalengka Jl. Kh.Abdul Halim No. 81 Kab. Majalengka Jawa Barat 0233-8286427 KCP
Cirebon-Majalengka Sub- RT/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 Regency of Cirebon West Java
Sub-Branch Office Kab. Cirebon
KCP Cirebon-Sumber Jl. Dewi Sartika No. 10 A, Kab. Cirebon Jawa Barat 0231-322775 KCP
Cirebon-Sumber Sub- Kel. Tukmudal Kec. Sumber Regency of Cirebon West Java
Branch Office Kab. Cirebon
KCP Cianjur-Cipanas Jl. Raya Cipanas (Depan Pasar Kab. Cianjur Jawa Barat 0263-520267 KCP
Cianjur-Cipanas Sub- Cipanas) No. 134 E Regency of Cianjur West Java
Branch Office Cianjur
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, Regency of West Java
Branch Office Kab. 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 Kota. Padang Sumatera Utara 0624-327100 KCP
Rantau Prapat Rantau Prapat Sidempuan North Sumatra
Padang Sidempuan- Kab. Labuhan Batu 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
KCP Langsa-Lhokseumawe Jl. N. Merdeka No. 2-3 Kota Lhokseumawe Aceh 0645-631616 KCP
Langsa-Lhokseumae Sub- Kel. Simpang Empat, City of
Branch Office Kec. Banda Sakti, Lhokseumawe
Kota 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

Kota/
Kabupaten
City/Regency
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 Kota Bandar Lampung 0721263860 KCP
Antasari Bandar 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 Wil. Kota Jakarta DKI Jakarta 021-86610490 KCP
Pondok Kopi Buaran Blok 40 No. 15 Perumnas Timur
Klender-Pondok Kopi Sub- Klender 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 Kota Tangerang Banten 021-7442465 KCP
BSD-UIN Sub-Branch Jl. Ir. H. Juanda Ciputat Regency of
Office Tangerang Tangerang
KCP Palembang-Baturaja Jl. Jendral A.Yani No.324 Kab. Ogan Sulawesi Selatan 0735-321811 KCP
Palembang-Baturaja Sub- Kel.Kemalaraja Komering Ulu South Sulawesi
Branch Office Kec.Baturaja Timur Regency of Ogan
Komering Ulu l
KCP Palembang-Muara Jl. Jend. Sudirman Talang Kab. Lematang Sumatera Selatan 0734-421848 KCP
Enim Jawa Atas Ilir Ogan Tengah South Sumatra
Palembang-Muara Enim (Muara Enim)
Sub-Branch Office Regency of
Lematang Ilir Ogan
Tengah (Muara
Enim)
KCP Padang-Capem Bukit Jl. A.Yani No 99 D Kota Bukittinggi Sumatera Barat 0752-32006 KCP
Tinggi Kelurahan Benteng Psr Atas City of Bukittinggi West Sumatra
Padang-Bukit Tinggi Sub- Bukittinggi
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

Profil Perusahaan
Company Profile
Kota/
Kabupaten
City/Regency
KCP Padang-Capem Solok Jl. M.Yamin No. 87 Kota Solok Sumatera Barat 0755-20011 KCP
Padang-Solok Sub-Branch Kel.Pasar Pandan Air Mati, City of Solok West Sumatra
Office Kec. Tanjung Harapan
Kota Solok
KCP Bengkulu-Curup Jl. Merdeka No. 732 Kab. Rejang Lebong Bengkulu 0732-22290 KCP
Bengkulu-Curup Sub- RT03 RW02 Pasar Baru Regency of Rejang
Branch Office Curup Lebon g
KCP Jambi-Muara Bungo Jl. M. Yamin No. 14, Kab. Bungo Jambi 0747-321778 KCP
Jambi-Muara Bungo Sub- Kec. Pasar Muara Bungo Regency of Bungo
Branch Office
KCP Pancoran-Condet Ruko Mutiara Faza Wil. Kota Jakarta DKI Jakarta 021-87798827 KCP
Pancoran-Condet Sub- Jl. Raya Condet Kelurahan Timur
Branch Office Gedong Kec. Pasar Rebo East Jakarta
Jakarta Timur
KCP Pancoran-Pasar Jl. Raya Ragunan No. 26, Wil. Kota Jakarta DKI Jakarta 021-78848710 KCP
Minggu Kel. 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. 81 Kab. Bengkulu Bengkulu 0736-348100 KCP
Bengkulu-Manna Sub- Kota Manna Kabupaten Selatan
Branch Office Bengkulu Selatan Regency of South
Bengkulu
KCP Bengkulu-Arga Jl. Sutan Syahrir No. 10 Kab. Bengkulu Bengkulu 0736-348100 KCP
Makmur Pasar Purwodadi Kota Arga Utara
Bengkulu-Arga Makmur Makmur Kabupaten Bengkulu Regency of North
Sub-Branch Office Utara 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, City of Riau Islands
Branch Office Kab. 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 Kab. Batang Jawa Tengah 0285-7907511 KCP
Pekalongan-Batang Sub- Blok 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, Kota. Surakarta Jawa Tengah 0276-323484 KCP
Solo-Boyolali Sub-Branch Kel. Siswodipuran, Kec. City of Surakarta Central Java
Office Boyolali
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
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

Kota/
Kabupaten
City/Regency
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, Regency of Central Java
Purwokerto-Purbalingga Kec. 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 City of Bontang South Kalimantan
Branch Office Kec. 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 , City of Samarinda East Kalimantan
Branch Office Kab. Kutai Timur 75611
KCP Samarinda-Berau Jl. Aminuddin Kel. Bugis Kab. Berau Kalimantan Timur 0554-2027043 KCP
Samarinda-Berau Sub- Kec. Tanjung Redeb Regency of Berau East Kalimantan
Branch Office Kab. Berau
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 Kav Kab. Probolinggo Jawa Timur 0335-430016 KCP
Malang-Probolinggo Sub- 4,Kel. Tisnonegaran, Regency of East Java
Branch Office Kec. 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 Kab. Malang Jawa Timur 0341-592544 KCP
Malang-Batu Sub-Branch Batu Malang Regency of Malang East Java
Office
KCP Jember-Genteng Jl. Diponegoro No. 19 Kab. Banyuwangi Jawa Timur 0333-846997 KCP
Banyuwangi Genteng 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
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

Profil Perusahaan
Company Profile
Kota/
Kabupaten
City/Regency
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, Kab. Lamongan Jawa Timur 0322-321086 KCP
Lamongan Kec.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. Bone Sulawesi Selatan 0481-27555 KCP
Makassar-Bone Sub- Kab. 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 Kab. Gorontalo Gorontalo 0435-882186 KCP
Gorontalo-Limboto Sub- Komp. 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 Kab. Konawe Sulawesi Tenggara 0408-2422444 KCP
Konawe 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 Regency of Sorong West Papua
Office Kab. Sorong
KCP Sorong-Monokwari Jl. Trikora Wosi, Kab. Manokwari Papua Barat 0986-2702588 KCP
Sorong-Manokwari Sub- Depan Transito Regency of West Papua
Branch Office Manokwari
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, Kab. Polewali Sulawesi Barat 0428-52393 KCP
Mamuju-Wonomulyo Sub- Kel. Sidodadi, Mandar West Sulawesi
Branch Office Kec. Wonomulyo Regency of Polewali
Mandar

Kota/
Kabupaten
City/Regency
KCP Cirebon-Indramayu Jl. Jend. Sudirman No. 170, Kab. Indramayu Jawa Barat 0234-527881 KCP
Cirebon-Indramayu Sub- Kel. Karang Anyar, Regency of West Java
Branch Office Kec. 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 Wil. Kota Jakarta DKI Jakarta 021-86906904 KCP
Kalimalang-Bintara Sub- Ruko Bintara Bisnis Center Timur
Branch Office No. 8, 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, City of Bekasi West Java
Kalimalang-Pondok Gede Kec. 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, Regency of East Java
Surabaya-Mas Mansyur- Jl. 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 Kota Surabaya Jawa Timur 031-8419030 KCP
Rungkut Kel. Kedung Baruk (Merr), City of Surabaya East Java
Surabaya Darmo-Rungkut Kec. Rungkut
Sub-Branch Office
KCP Mataram-Sumbawa Jl. Urip Sumoharjo No. 20 Kab. Sumbawa Nusa Tenggara 0371-2621200 KCP
Matara-Sumbawa Sub- Kel. Seketeng, Kec. Sumbawa Regency of Barat
Branch Office Sumbawa West Nusa
Tenggara
KCP Kediri-Tulungagung Ruko Panglima Sudirman Blok Kab. Tulungagung Jawa Timur 0355-328500 KCP
Kediri-Tulungagung Sub- C No.2 Jl. Hasanudin, Regency of East Java
Branch Office Kel. Kenayan, Kec Tulungagung
Tulungagung
KCP Solo-Wonogiri Jl. Achmad Yani No. 119 B, Kab. Wonogiri Jawa Timur 0273-324021 KCP
Solo-Wonogiri Sub-Branch Kel. Giripurwo, Kec. Wonogiri Regency of East Java
Office Wonogiri
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

Profil Perusahaan
Company Profile
Kota/
Kabupaten
City/Regency
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, Regency of West Java
Branch Office Kec. 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, Tengah South Kalimantan
Branch Office Kel. Barabai Tengah, Regency of Hulu
Kec. Barabai 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 Kab. Bekasi Jawa Barat 021-89900638 KK
Jababeka-Cikarang Cash Blok A No. A7 Desa Regency of Bekasi West Java
Office Sukaresmi, 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 Wil. Kota Jakarta DKI Jakarta 021-8011233 KK
Klender-Asrama Haji Kel. 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 Wil. Kota Jakarta DKI Jakarta 021-7253404 KK
Al Azhar Jl. Sisingamangaraja Selatan
Panglima Polim-Al Azhar South Jakarta
Jakarta Cash Office
KK BSD-Cikupa (Citra Raya) Ruko Citra Raya Blok H-1 No. Kota Tangerang Banten 021-44622426 KK
BSD-Cikupa (Citra Raya) 17 R, Desa Cikupa, City of Tangerang
Cash Office Kec. Cikupa
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, Wil. Kota Jakarta DKI Jakarta 021 42885956 KK
Gedung Sutikno Slamet Jl. Dr. Wahidin Raya No. 1 Pusat
Matraman-Sutikno Slamet Central Jakarta
Building Jakarta Cash
Office

Kota/
Kabupaten
City/Regency
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, Kab. Sleman D.I Yogyakarta 0274-898505 KK
Islam Indonesia Jl. Kaliurang Km 14,5 Regency of Sleman
Yogyakarta-Universitas
Islam Indonesia Cash
Office
KK Yogyakarta-Universitas Masjid Kampus Ugm, Kab. Sleman D.I Yogyakarta 0274-548777 KK
Gajah Mada Jl. 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, Kab. Sidoarjo Jawa Timur 031-7880311 KK
Mansyur-Sepanjang Taman 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. Mirah Kota Makassar Sulawesi Selatan 0411-433755 KK
Makassar-Pengayoman F8 Kel. Tello Baru City of Makassar South Sulawesi
Cash Office Kec. 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 Kota Bekasi Jawa Barat 021-80871489 KK
Wisata Ruko Grand Wisata Blok Aa 12 City of Bekasi West Java
Kalimalang-Grand Wisata No.7, Tambun
Cash Office
KK Bandung-Kopo Jl. Kopo Sayati No. 98A-2, Blok Kota Bandung Jawa Barat 022-5430297 KK
Bandung-Kopo Cash Office Bihbul, Desa Sayati, City of Bandung West Java
Kec. 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

Profil Perusahaan
Company Profile
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 ISL
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

Profil Perusahaan
Company Profile
Struktur Organisasi
Organization Structure
GENERAL MEETING OF
SHAREHOLDERS

Sholahudin Al-Aiyub PRESIDENT DIRECTOR
Chairman
Indra Falatehan
Member :
• Siti Haniatunnisa
• Agung Danarto
Operations and Finance and

Digital Director Strategy Director
SEVP
Human Capital
Wahyu Avianto Suhendar
Riksa Prakoso
Head of Internal Head of HC Strategy Head of Operation Head of Business DPLK Muamalat
Audit and Development Strategy and Control Finance & Planning
Aznovri Kurniawan (Plt)
Riva Yan Abdillah Anton Hendrianto Zefri Ananta Demmy Rizkiadhy Pelaksana Tugas DPLK
Alternate of DPLK
Head of Corporate Head of HCBP & Head of Operation Head of Financial Baitulmaal
Affairs Industrial Relations Services Control Muamalat
Novi Wardi
Hayunaji*) Vino Y. Lamantu Wita Hanayori Muhammad Ilham
Head of BMM
Head of HCBP & Head of Financing Head of Transformation & Al-Ijarah Indonesia
Services Operations Subsidiaries Management Finance (ALIF)
Esti Budiarti Vinny Rika Anwar Haryo Baskoro Wicaksono Afrid Wibisono
President Director
Muamalat Head of Digital

Institute Banking Tafakul Insurance
Anton Hendrianto
Executive Director Marjuki Direktur Utama
President Director
Head of Information
Technology
S. Sofyan
Head of
Komite/Committee: Corporate Real Estate
1. ALCO *) Merangkap sebagai Sekretaris Perusahaan
2. IT Steering Committee & Procurement
Also act as Corporate Secretary
3. Risk Management Committee **) Menunggu hasil penilaian Kemampuan dan Kelayakan
Nanang Basuki
4. Human Capital Committee Waiting for Fit & Proper Test Result

Mardiasmo**) 1. Audit Committee

2. Risk Oversight Committee
Independent President Commissioner
3. Nomination & Remuneration Committee
4. Good Corporate Governance Committee
Commisioner:
• Suwarta**)
• Sartono
• Amin Said Husni
• Andre Mirza Hartawan
Compliance, Risk & Financing Business Retail Banking

Legal Director Risk Director Director
SEVP
Enterprise Banking
Karno Hery Syafril Wahyu Avianto (Plt)
Irvan Yulian Noor
Head of Enterprise Head of Consumer Head of SOE &

Head of Compliance
Financing Risk Financing Business Corporate Banking
Dyah Ekowati Ilham Wahyudin Astri Piesca Rini Elisa Ratnawardani
Head of Corporate Head of Head of Retail Head of Commercial

Legal Retail Financing Risk Funding& Transaction Banking
Khusnudhon Bambang Rudi H. Wang Wardhana Vacant
Head of Integrated Head of Marketing

Head of Special Asset Head of Islamic
Risk Management & Customer
Management Enterprise & SME
Management
Supriati Nugroho
Catur Andayani Teguh Nugroho Agus Andipratama Amir
Pernamawati
Head of Distribution
Head Retail Collection Head of Global
& Network
Management Market
Management
Moh. Madina Hendrik
Dicky Zakiudin Agung Prambudi
Soe'oed
Head of Enterprise
Banking Business
Region Head Development
Aruddy
Board of Directors
Board of Management
Senior Management

Profil Perusahaan
Company Profile
Komite Level Komisaris

Board of Commissioners Level Committees
Risk Oversight Nomination & Remuneration Good Corporate Governance

Audit Committee
Committee Committee Committee
Mardiasmo * Suwarta* Amin Said Husni Sartono

Independent President Independent Commissioner Independent Commissioner Independent Commissioner
Commissioner
Member: Member: Member: Member:

• Sartono • Andre Mirza Hartawan • Suwarta • Mardiasmo
• Suwarta • Sartono • Andre Mirza Hartawan • Andre Mirza Hartawan
• Dwi Sasongko • Amin Said Husni • Riksa Prakoso • Amin Said Husni
• Tika Arundina • Dedi Sopyan
*)

Komite Level Direksi

Board of Directors Level Committees
Board of Directors
Asset & Liability IT Steering Risk Management Human Capital

Committee (ALCO) Committee Committee Committee
Indra Falatehan Indra Falatehan Indra Falatehan Indra Falatehan
(President Director) (President Director) (President Director) (President Director)
Chairman Advisor and Supervisor Chairman/Permanent Chairman and Member
Member with Voting Right
Suhendar Wahyu Avianto Anton Hendrianto
(Finance Director) (Operation Director) Karno (Head of People Development
Vice Chairman Chairman (Compliance, Risk & Legal and Culture)
Director) Secretary and Member
Citra Kurniawati Karno Vice Chairman/
(Head of Treasury) (Compliance, Risk & Legal Permanent Member with Member :
• Karno (Compliance, Risk and
Secretary Director) Voting Right Legal Director)
Vice Chairman I • Suhendar (Finance Director)
Permanent Members with Voting Permanent Members with Voting • Irvan Yulian Noor (Chief Whosale
Rights: Rights: Banking Officer)
• Irvan Yulian Noor (Chief Whosale
Suhendar • Hery Syafril (Financing Director) • Wahyu Avianto (Operation
Banking Officer) (Finance Director) • Suhendar (Finance Director) Director)
• Wahyu Avianto (Act of Retail Vice Chairman II • Irvan Yulian Noor (Chief Whosale • Wahyu Avianto (Act of Retail
Banking Officer) Banking Officer) Banking Officer)
• Karno (Compliance, Risk and • Wahyu Avianto (Act of Retail • Riksa Prakoso (Chief Human
Legal Director) Wahyu Avianto Banking Officer) Capital Officer)
• Wahyu Avianto (Operation (Act of Retail Banking Director) • Wahyu Avianto (Operation • Hery Syafril (Financing Director)
Director) Vice Chairman III Director)
• Riksa Prakoso (Chief Human • Riksa Prakoso (Chief Human
Capital Officer) Capital Officer)
• Hery Syafril (Financing Director) Irvan Yulian Noor
(Chief Wholesale Banking Permanent Members with No
Permanent Members with No Officer) Voting Rights:
Voting Rights: • Catur Andayani (Head of
• Moh Madina Hendrik Soe’oed Vice Chairman IV Integrated Risk Management)
(Head of Global Market)
• Astri Piesca Rini (Head of Hery Syafril Non-Permanent Members with No
Consumer Financing Business) Voting Rights:
(Financing Director)
• Teguh Nugroho (Head of Special • Riva Yan Abdillah (Head of
Asset Management) Vice Chairman V Internal Audit)
• Agung Prambudi (Head of • Dyah Ekowati (Head of
Distribution and Network Sandhy Sofian Compliance)
Management)
• Catur Andayani (Head of (Head of Information
Integrated risk Management) Technology)
• Demmy Rizkiadhy (Head of Secretary
Business Finance and Planning)
• Citra Kurniawati (Head of
Treasury) Member:
All Relevant Senior Management
Non-Permanent Members with 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

Profil Perusahaan
Company Profile
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 48 tahun pada akhir Tahun Buku 2022 48 as of the end of the 2022 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 tanggal 16 Desember 2019 Shareholders on December 16, 2019
Terakhir
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)
Sertifikasi - -
Certification

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 • Chairman of the Sharia Supervisory Board
Reasuransi Syariah Indonesia (ReINDO of PT Reasuransi Syariah Indonesia (ReINDO
Syariah) Syariah)
• Member of the Sharia Supervisory Board of
• Anggota Dewan Pengawas Syariah Bank Bank Aladin Syariah
Aladin Syariah • Member of the Sharia Advisor Board of BP
• Anggota Dewan Penasehat Syariah BP TAPERA
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
Working Experience (2020-2025) Board 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) (2015-2020) (MUI) (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 section
Pelatihan 2022
Education and Training
2022
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

Profil Perusahaan
Company Profile
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)
Sertifikasi - -
Certification
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 2022
2022
indirectly

Profil Perusahaan
Company Profile
Dr. H. Agung Danarto, M. Ag

Anggota Dewan Pengawas Syariah
Member of the Sharia Supervisory Board

Citizen
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Luar Extraordinary General Meeting of Shareholders
Pengangkatan Biasa tanggal 30 Agustus 2021 dan telah on 30 August 2021 and has received an
Pertama mendapatkan keputusan efektif dari OJK effective decision from OJK on 7 July 2022
Legal Basis for First tanggal 7 Juli 2022
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)
Sertifikasi - -
Certification

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 2022
2022
indirectly

Profil Perusahaan
Company Profile
Profil Dewan Komisaris

Profile of the Board of Commissioners
Mardiasmo*)
Komisaris Utama Independen

Citizen
Domicile
Age
Pengangkatan tanggal 29 November 2022 dan saat ini masih Shareholders on November 29, 2022 and is
Pertama dalam proses pengajuan Penilaian Kemampuan currently in the process of Fit and Proper test
Legal Basis for First dan Kepatutan ke Otoritas Jasa Keuangan (OJK) by the Financial Services Authority (OJK)
Appointment
Dasar Hukum Rapat Umum Pemegang Saham Luar Biasa Extraordinary General Meeting of Shareholders
Pengangkatan Terakhir tanggal 29 November 2022 dan saat ini masih on November 29, 2022 and is currently in the
Legal Basis for the Last dalam proses pengajuan Penilaian Kemampuan process of Fit and Proper test by the Financial
Appointment dan Kepatutan ke Otoritas Jasa Keuangan (OJK). Services Authority (OJK)
Term of Office
Riwayat Pendidikan • Doctor School of Public Policy dari University • Doctor, School of Public Policy from the
Education Background of Birmingham, Inggris (1999) University of Birmingham, UK (1999)
• Master of Business Administration dari • Master of Business Administration from the
University of Bridgeport, Connecticut, Amerika University of Bridgeport, Connecticut, USA
Serikat (1989) (1989)
• Sarjana Ekonomi dari Universitas Gadjah • Bachelor of Economics from Gadjah Mada
Mada (UGM) Yogyakarta (1981) University (UGM) Yogyakarta (1981)
Sertifikasi - -
Certification
Rangkap Jabatan • Ketua Komite Audit (2022 – Sekarang) • Chairman of Audit Committee (2022-Present)
Dual Position • Ketua Umum Komite Nasional Kebijakan • Chairman of the National Committee on
Governansi (KNKG) (2021-sekarang) Governance Policy (KNKG) (2021-present)
• Ketua Umum Pengawas Perpajakan • Chairman of the Supervisor of Taxation of the
Kementerian Keuangan RI (2019-sekarang) Indonesian Ministry of Finance (2019-present)
• Ketua Dewan Pengurus Nasional Ikatan • Chairman of the National Executive Board
Akuntan Indonesia (2010-sekarang) of the Indonesian Institute of Accountants
(2010-present)

Share Ownership
Pengalaman Kerja • Ketua Umum Komite Nasional Kebijakan • Chairman of the National Committee on
Working Experience Governansi (KNKG) (2021-sekarang) Governance Policy (KNKG) (2021-present)
• Ketua Umum Pengawas Perpajakan • Chairman of the Supervisor of Taxation of the
Kementerian Keuangan RI (2019-sekarang) Indonesian Ministry of Finance (2019-present)
• Wakil Menteri Keuangan dan sekaligus • Deputy Minister of Finance and Member of
sebagai Anggota Dewan Komisioner the Board of Commissioners of the Financial
Otoritas Jasa Keuangan (OJK) ex officio dari Services Authority (OJK) ex officio from the
Kementerian Keuangan (2014-2019) Ministry of Finance (2014-2019)
• Kepala Badan Pengawasan Keuangan dan • Head of the Financial and Development
Pembangunan (BPKP) (2010-2014) Supervisory Agency (BPKP) (2010-2014)
• Ketua Dewan Pengurus Nasional Ikatan • Chairman of the National Executive Board of
Akuntan the Accountants
Pelatihan 2022
2022
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
*)

Profil Perusahaan
Company Profile
Amin Said Husni


Citizen
Domicile
Age
Pengangkatan tanggal 24 Juni 2022 dan telah mendapat June 24, 2022 and has received an effective
Pertama keputusan efektif dari Ototritas Jasa Keuangan decision from the Financial Services Authority
Legal Basis for First (OJK) tanggal 16 Januari 2023 (OJK) on January 16, 2023
Appointment
Pengangkatan Terakhir tanggal 24 Juni 2022 dan telah mendapat June 24, 2022 and has received an effective
Legal Basis for the Last keputusan efektif dari Ototritas Jasa Keuangan decision from the Financial Services Authority
Appointment (OJK) tanggal 16 Januari 2023 (OJK) on January 16, 2023
Term of Office
Riwayat Pendidikan • Magister Program Studi Antropologi Budaya • Master's Degree in Cultural Anthropology
Education Background dari Universitas Indonesia (1993) from University of Indonesia (1993)
• Sarjana di Fakultas Syari’ah IKAHA, Pesantren • Bachelor's degree in Faculty of Shari'ah IKAHA,
Tebuireng Jombang (1990) Tebuireng Islamic Boarding School Jombang
(1990)
Sertifikasi Training Risk Management Certification Level 1-2 Training on Risk Management Certification
Certification for Komisaris Level 1-2 for Commissioners
Rangkap Jabatan • Ketua Pengurus Besar Nahdlatul Ulama • Chairman of Nahdlatul Ulama Executive Board
Dual Position (2022 – Sekarang) (2022 - Present)
• Ketua Komite Nominasi dan Remunerasi • Chairman of Nomination and Remuneration
(2023-sekarang) Committee (2023-present)

Share Ownership
Pengalaman Kerja • Ketua Pengurus Besar Nahdlatul Ulama • Chairman of the Executive Board of Nahdlatul
Working Experience (2022 – Sekarang) Ulama (2022 - Present)
• Bupati Pemerintah Kabupaten Bondowoso • Regent of Bondowoso Regency Government
(2008 – 2018) (2008 - 2018)
• Anggota Komisi X DPR RI (2007-2008) • Member of Commission X DPR RI (2007-2008)
• Wakil Ketua Badan Anggaran Dewan • Vice Chairman of the Budget Committee of
Perwakilan Rakyat (DPR) Republik Indonesia the House of Representatives (DPR) of the
(2004-2007) Republic of Indonesia (2004-2007)
Pelatihan 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Sartono

Citizen
Domicile
Age
Pengangkatan tanggal 24 Juni 2022 dan telah mendapat June 24, 2022 and has received an effective
Pertama keputusan efektif dari Ototritas Jasa Keuangan decision from the Financial Services Authority
Legal Basis for First (OJK) tanggal 16 Januari 2023 (OJK) on January 16, 2023
Appointment
Pengangkatan Terakhir tanggal 24 Juni 2022 dan telah mendapat June 24, 2022 and has received an effective
Legal Basis for the Last keputusan efektif dari Ototritas Jasa Keuangan decision from the Financial Services Authority
Appointment (OJK) tanggal 16 Januari 2023 (OJK) on January 16, 2023
Term of Office
Riwayat Pendidikan Sarjana Hukum dari Universitas Padjadjaran Bachelor of Law from Padjadjaran University
Education Background Bandung (1987) Bandung (1987)
Sertifikasi Training Risk Management Certification Level 1 Risk Management Certification Level 1 and
Certification dan Level 2 untuk Komisaris Level 2 Training for Commissioners
Rangkap Jabatan Ketua Komite Tata Kelola Perusahaan Chairman of the Corporate Governance
Dual Position (2023-sekarang) Committee (2023-present)
Share Ownership

Pengalaman Kerja • Jaksa Fungsional Kejaksaan Agung (September • Functional Prosecutor of the Attorney
Working Experience 2021 – 2022) General's Office (September 2021 - 2022)
• Sekretaris JAM Pembinaan Kejaksaan Agung • Secretary of JAM Development of the Attorney
(Desember 2019 – September 2021) General's Office (December 2019 - September
2021)
• Inspektur Keuangan pada Jamwas Kejaksaan • Financial Inspector at the Attorney General's
Agung (September 2019 – Desember 2019) Office (September 2019 - December 2019)
• Kepala Kejaksaan Tinggi Lampung (Maret • Head of Lampung High Prosecutor's Office
2019 – September 2019) (March 2019 - September 2019)
• Kepala Biro Keuangan Kejaksaan Agung • Head of the Finance Bureau of the Attorney
(Februari 2016 – Maret 2019) General's Office (February 2016 - March 2019)
• Koordinator JAM Intel Kejaksaan Agung (Mei • Coordinator of JAM Intel of the Attorney
2014 – Februari 2016) General's Office (May 2014 - February 2016)
• Assisten Pembinaan Kejaksaan Tinggi Jawa • Assistant Development of the East Java High
Timur ( Februari 2012 – Mei 2014) Prosecutor's Office (February 2012 - May
2014)
• Kepala Kejaksaan Negeri Jakarta Timur • Head of the East Jakarta District Attorney's
(Februari 2010 – Februari 2012) Office (February 2010 - February 2012)
• Kabag Pendapatan dan BRN Kejaksaan Agung • Head of Revenue and BRN at the Attorney
(Agustus 2008 – Februari 2010) General's Office (August 2008 - February 2010)
• Kabag Anggaran Kejaksaan Agung (Mei 2006 – • Head of Budget of the Attorney General's
Agustus 2008) Office (May 2006 - August 2008)
• Kepala Kejaksaan Negeri Bengkayang • Head of the Bengkayang District Attorney's
(Oktober 2004 – Mei 2006) Office (October 2004 - May 2006)
• Pengkaji kejaksaan Tinggi Jawa Barat (Maret • Reviewer of the West Java High Prosecutor's
2004 – Oktober 2004) Office (March 2004 - October 2004)
Pendidikan dan Disampaikan dalam pembahasan terpisah Presented in a separate discussion.
Pelatihan 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Suwarta*)
Komisaris
Commissioner

Citizen
Domicile
Age
Pengangkatan tanggal 29 November 2022 dan saat ini masih dated November 29, 2022 and currently still
Pertama dalam proses pengajuan Penilaian Kemampuan in the process of Fit and Proper test by the
Legal Basis for First dan Kepatutan ke Otoritas Jasa Keuangan (OJK) Financial Services Authority (OJK)
Appointment
Legal Basis for the Last dalam proses pengajuan Penilaian Kemampuan process of Fit and Proper test by the Financial
Appointment dan Kepatutan ke Otoritas Jasa Keuangan (OJK) Services Authority (OJK)
Term of Office
Riwayat Pendidikan • Doktor Manajemen Bisnis dari Universitas • Doctorate in Business Management from
Education Background Brawijaya (2021) Brawijaya University (2021)
• Magister di Bidang Hukum Bisnis dari • Master in Business Law from University of
Universitas Indonesia (2007) Indonesia (2007)
• Sarjana Hukum dari Universitas Indonesia • Bachelor of Law from University of Indonesia
(2009) (2009)
• Sarjana Fakultas Akuntansi dari Universitas • Bachelor in Accounting from Universitas Satya
Satya Negara Indonesia (1997) Negara Indonesia (1997)
• Diploma III Spesialisasi Akuntansi Ekonomi • Diploma III Specializing in Economic
di Sekolah Tinggi Akuntansi Negara (STAN) Accounting at the State College of
(1994) Accountancy (STAN) (1994)
Sertifikasi - -
Certification
Rangkap Jabatan • Ketua Komite Pemantau Risiko • Chairman of Risk Monitoring Committee
Dual Position (2022 – Sekarang) (2022 - Present)
• Partner Pendiri Firma Hukum Bisnis JMT Law • Founding Partner of JMT Law House Business
House (2010 – Sekarang) Law Firm (2010 - Present)

Share Ownership
Pengalaman Kerja • Komisaris Independen PT Bank Pembangunan • Independent Commissioner of PT Bank
Working Experience Jawa Barat dan Banten Tbk (BJB) (2016-2018) Pembangunan Jawa Barat and Banten Tbk
(BJB) (2016-2018)
• Direktur Utama PT Rizgold Resources (2015- • President Director of PT Rizgold Resources
2016) (2015-2016)
• Komite Audit PT Bank Pembangunan Jawa • Audit Committee of PT Bank Pembangunan
Barat dan Banten Tbk (BJB) (2012-2016) Jawa Barat dan Banten Tbk (BJB) (2012-2016)
• Komite Audit KSO Sucofindo-Surveyor • Audit Committee of KSO Sucofindo-Surveyor
Indonesia (2012-2015) Indonesia (2012-2015)
• Direktur Utama PT Gear Capital (2010-2012) • President Director of PT Gear Capital (2010-
2012)
• Partner Pendiri Firma Hukum Bisnis JMT Law • Founding Partner of JMT Law House Business
House (2010-Sekarang) Law Firm (2010-Present)
Pelatihan 2022
2022
langsung indirectly
*)

Profil Perusahaan
Company Profile
Andre Mirza Hartawan

Komisaris
Commissioner

Citizen
Domicile
Age
Dasar Hukum Rapat Umum Pemegang Saham Tahunan Annual General Meeting of Shareholders of
Pengangkatan tanggal 23 April 2009 PT Bank Muamalat Indonesia Tbk on April 23,
Pertama 2009
Legal Basis for First
Appointment
Pengangkatan Terakhir tanggal 28 Februari 2022 dan telah mendapat on 28 February 2022 and has received an
Legal Basis for the Last keputusan efektif dari Otoritas Jasa Keuangan effective decision from the Financial Services
Appointment (OJK) tanggal 19 Juli 2022 Authority (OJK) on 19 July 2022
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 (1996) Perth Australia (1996)
• Sarjana Teknik Industri di Institut Teknologi • Bachelor’s degree in Industrial Engineering
Bandung (1993) from the Bandung Institute of Technology
(1993)
Sertifikasi - -
Certification
Rangkap Jabatan • Komisaris Utama PT Wisma Seratus Sejahtera • President Commissioner of PT Wisma Seratus
Dual Position (2016-sekarang) Sejahtera (2016-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
Pengalaman Kerja • Komisaris PT Bank Muamalat Indonesia Tbk • Commissioner of PT Bank Muamalat
Working Experience (2022-sekarang) Indonesia Tbk (2022-present)
• Komisaris Utama PT Wisma Seratus Sejahtera • President Commissioner of PT Wisma Seratus
(2016-sekarang) Sejahtera (2016-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
(2014-2019) Energy (2014-2019)
• Komisaris Utama PT Auto Daya Amara (2014- • President Commissioner of PT Auto Daya
2019) Amara (2014-2019)
• Komisaris PT Panca Amara Utama (2008-2019) • Commissioner of PT Panca Amara Utama
(2008-2019)
• Komisaris Utama di PT Auto Daya Keisindo • President Commissioner of PT Auto Daya
(2014-2019) Keisindo (2014-2019)
• Komisaris PT Bank Muamalat Indonesia Tbk • Commissioner of PT Bank Muamalat
(2009-2014) Indonesia Tbk (2009-2014)
Pendidikan dan Disampaikan dalam pembahasan terpisah. Presented in a separate discussion.
Pelatihan 2022
2022
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

Profil Perusahaan
Company Profile
Profil Direksi dan Pejabat Eksekutif Senior

Profile of the Board of Directors and Senior Executive Officers
Indra Falatehan
Direktur Utama
President Director

Citizen
Domicile
Age
Pengangkatan tanggal 29 November 2022 dan saat ini masih Shareholders on November 29, 2022 and
Pertama dalam proses pengajuan Penilaian Kemampuan currently is in the stage of fulfilling the
Legal Basis for First dan Kepatutan ke Otoritas Jasa Keuangan (OJK) provisions for the OJK fit and proper test
Appointment process
Legal Basis for the Last dalam proses pengajuan Penilaian Kemampuan stage of fulfilling the provisions for the OJK fit
Appointment dan Kepatutan ke Otoritas Jasa Keuangan (OJK) and proper assessment process
Term of Office
Riwayat Pendidikan • Magister Manajemen Bisnis dari Universitas • Master of Business Management from
Education Background Indonesia (2012) University of Indonesia (2012)
• Sarjana Gas & Petrochemical Engineering dari • Bachelor of Gas & Petrochemical Engineering
Universitas Indonesia (2002) from University of Indonesia (2002)
Sertifikasi - -
Certification
Rangkap Jabatan Tidak memilik rangkap jabatan He has no dual position
Dual Position
Share Ownership

Pengalaman Kerja • Direktur Utama PT KB Bukopin Syariah • President Director of PT KB Bukopin Syariah
Working Experience (sampai 30 September 2022) (until September 30, 2022)
• Direktur Utama PT Bank Pembangunan Jawa • President Director of PT Bank Pembangunan
Barat dan Banten (Bank BJB) Syariah Tbk Jawa Barat dan Banten (Bank BJB) Syariah Tbk
(2018-2022) (2018-2022)
• Direktur Pembiayaan PT Bank Pembangunan • Financing Director of PT Bank Pembangunan
Jawa Barat dan Banten Syariah Tbk (BJBS) Jawa Barat dan Banten Syariah Tbk (BJBS)
(2017-2018) (2017-2018)
• Direktur Keuangan PT Bank Pembangunan • Finance Director of PT Bank Pembangunan
Jawa Barat dan Banten Syariah Tbk (BJBS) Jawa Barat dan Banten Syariah Tbk (BJBS)
(2016) (2016)
• Group Head of Corporate Banking 2 Bank • Group Head of Corporate Banking 2 Bank
Syariah Mandiri (2015-2016) Syariah Mandiri (2015-2016)
• Kepala Divisi Special Financing & Syndication • Head of Special Financing & Syndication
PT Bank Syariah Mandiri (2012-2015) Division of PT Bank Syariah Mandiri (2012-
2015)
• Department Head of Desk of Structured • Department Head of Desk of Structured
Finance & Syndication PT Bank Syariah Finance & Syndication PT Bank Syariah
Mandiri (2007-2012) Mandiri (2007-2012)
Pelatihan 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Karno
Direktur Kepatuhan, Risiko dan Hukum
Compliance, risk, and Legal Director

Citizen
Domicile
Age
Pengangkatan tanggal 24 Juni 2022 dan telah mendapatkan on June 24, 2022 and has received an effective
Pertama keputusan efektif dari OJK tanggal decision from OJK on October 3, 2022
Legal Basis for First 3 Oktober 2022
Appointment
Pengangkatan Terakhir tanggal 24 Juni 2022 dan telah mendapatkan on June 24, 2022 and has received an effective
Legal Basis for the Last keputusan efektif dari OJK tanggal decision from OJK on October 3, 2022
Appointment 3 Oktober 2022
Term of Office
Riwayat Pendidikan • Magister Manajemen dari Institut Pertanian • Master of Management from Bogor
Education Background Bogor dan lulus pada tahun (2012) Agricultural University and graduated in
• Sarjana Ekonomi dari Universitas Indonesia (2012)
(2000) • Bachelor of Economics from University of
Indonesia (2000)
Sertifikasi Pengelolaan Risiko Berbasis ERM Dalam ERM-Based Risk Management in the
Certification Persaingan New Landscape Perbankan Digital, Competition of New Digital Banking Landscape,
Antisipasi KUB dan Disruptive Technology Anticipation of KUB and Disruptive Technology
Dalam Dinamika Ekonomi in Economic Dynamics

Rangkap Jabatan Tidak memilik rangkap jabatan He has no dual position

Dual Position
Share Ownership
Pengalaman Kerja • Deputi Manajemen Risiko di Badan Pengelola • Deputy of Risk Management at the Hajj
Working Experience Keuangan Haji (2018-2022) Financial Management Agency (2018-2022)
• Head of Risk Management PT Bank Panin • Head of Risk Management PT Bank Panin
Dubai Syariah Tbk (2016-2018) Dubai Syariah Tbk (2016-2018)
• Kepala Departemen Manajemen Risiko • Head of Risk Management Department of
PT Bank BCA Syariah (2013-2016) PT Bank BCA Syariah (2013-2016)
• Kepala Cabang Mataram dan Purwokerto • Head of Mataram and Purwokerto Branch of
PT Bank Bukopin Tbk (2011-2013) PT Bank Bukopin Tbk (2011-2013)
• Manajer Kepatuhan PT Bank Bukopin Tbk • Compliance Manager of PT Bank Bukopin Tbk
(2002-2011) (2002-2011)
Pelatihan 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Hery Syafril
Direktur Risiko Bisnis Pembiayaan
Financing Business Risk Director

Citizen
Domicile
Age
Pengangkatan tanggal 7 September 2015 dan mendapatkan Shareholders on September 7, 2015 and
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
Pengangkatan Terakhir tanggal 29 November 2022, sekaligus on November 29, 2022, as well as the Acting
Legal Basis for the Last merangkap sebagai Pelaksana Tugas (Plt) President Director of the Company since
Appointment Direktur Utama Perseroan sejak 30 November November 30, 2022
2022
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)
Sertifikasi Refreshment Risk Management Certification: Refreshment Risk Management Certification:
Certification “Indonesia Risk Management outlook 2022 “Indonesia Risk Management outlook 2022
Next Stage of Great Change” Next Stage of Great Change”
Dual Position

Share Ownership
Pengalaman Kerja • Direktur Risiko Bisnis Pembiayaan PT Bank • Financing Business Risk Director of PT Bank
Working Experience Muamalat Indonesia Tbk, merangkap Plt Muamalat Indonesia Tbk, concurrently Acting
Direktur Utama (29 Nov 2022-sekarang) President Director (Nov 29, 2022-present)
• Direktur Keuangan PT Bank Muamalat • Finance Director of PT Bank Muamalat
Indonesia Tbk (2015-2022) Indonesia Tbk (2015-2022)
• 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 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Wahyu Avianto
Direktur Operasi dan Digital
Operation & Digital Director

Citizen
Domicile
Age
Pengangkatan tanggal 29 November 2022 dan telah dated November 29, 2022 and has obtained
Pertama mendapatkan persetujuan OJK atas penilaian OJK approval for the fit and proper assessment
Legal Basis for First kemampuan dan kepatutan sejak tanggal since October 3, 2022
Appointment 3 Oktober 2022
Pengangkatan Terakhir tanggal 29 November 2022 dan telah dated November 29, 2022 and has obtained
Legal Basis for the Last mendapatkan persetujuan OJK atas penilaian OJK approval for the fit and proper assessment
Appointment kemampuan dan kepatutan sejak tanggal since October 3, 2022
3 Oktober 2022
Term of Office
Riwayat Pendidikan • Magister Manajemen Keuangan dari • Master of Financial Management from the
Education Background Universitas Indonesia (2004) University of Indonesia (2004)
• Sarjana Teknik dari Institut Teknologi • Bachelor of Engineering from Bandung
Bandung (1995) Institute of Technology (1995)
Sertifikasi - -
Certification
Dual Position
Share Ownership

Pengalaman Kerja • Senior Executive Vice President Operations • Senior Executive Vice President Operations
Working Experience PT Bank Syariah Indonesia Tbk (2021) PT Bank Syariah Indonesia Tbk (2021)
• Anggota Tim Percepatan Integrasi dan • Member of the Team for Accelerating the
Peningkatan Nilai Bank Syariah BUMN (2020- Integration and Value Enhancement of State-
2021) Owned Islamic Banks (2020-2021)
• Direktur Keuangan & Operasional PT Bank • Director of Finance & Operations of PT Bank
BNI Syariah (2018-2021) BNI Syariah (2018-2021)
• Kepala Divisi Keuangan/Koordinator • Head of Finance Division/Finance and
Keuangan dan Jaringan PT Bank BNI Syariah Network Coordinator of PT Bank BNI Syariah
(2016-2018) (2016-2018)
• Kepala Divisi Strategi dan Keuangan PT Bank • Head of Strategy and Finance Division of
BNI Syariah (2013-2016) PT Bank BNI Syariah (2013-2016)
• Kepala Divisi Perencanaan dan Kinerja • Head of Strategic Planning and Performance
Strategis PT Bank BNI Syariah (2010-2013) Division of PT Bank BNI Syariah (2010-2013)
• AVP Perencanaan & Pengembangan/Manager • AVP Planning & Development/Sharia Product
Produk Syariah PT Bank Negara Indonesia Manager PT Bank Negara Indonesia (Persero)
(persero) Tbk (2004-2010) Tbk (2004-2010)
• Manager/Officer Project Management Unit, • Manager/Officer Project Management Unit,
Strategic Planning Division PT Bank Negara Strategic Planning Division PT Bank Negara
Indonesia (Persero) Tbk (1996-2004) Indonesia (Persero) Tbk (1996-2004)
Pelatihan 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Suhendar
Direktur Keuangan & Strategi
Finance & Strategy Director

Citizen
Domicile
Age
Pengangkatan tanggal 29 November 2022 dan saat ini masih Shareholders on November 29 and currently
Pertama dalam proses pengajuan Penilaian Kemampuan is in the process of Fit and Proper Test bythe
Legal Basis for First dan Kepatutan ke Otoritas Jasa Keuangan (OJK) Financial Services Authority (OJK)
Appointment
Pengangkatan Terakhir tanggal 29 November 2022 dan saat ini masih Shareholders on November 29 and currently
Legal Basis for the Last dalam proses pengajuan Penilaian Kemampuan is in the process of Fit and Proper Test bythe
Appointment dan Kepatutan ke Otoritas Jasa Keuangan (OJK) Financial Services Authority (OJK).
Term of Office
Riwayat Pendidikan • Magister Islamic Banking and Finance dari • Master of Islamic Banking and Finance from
Education Background Universitas Indonesia (2009) University of Indonesia (2009)
• Sarjana Ekonomi dari Universitas Indonesia • Bachelor of Economics from University of
(2002) Indonesia (2002)
Sertifikasi Training Risk Management Certification Level 5 Training Risk Management Certification Level 5
Certification


Dual Position
Share Ownership
Pengalaman Kerja • Senior Vice President/Group Head Corporate • Senior Vice President/Group Head Corporate
Working Experience Transformation Office PT Bank Syariah Transformation Office PT Bank Syariah
Indonesia Tbk (2021) Indonesia Tbk (2021)
• Group Head/Senior Vice President Corporate • Group Head/Senior Vice President Corporate
Transformation PT Bank Syariah Mandiri Transformation PT Bank Syariah Mandiri
(2019-2021) (2019-2021)
• Group Head/Senior Vice President, Accounting • Group Head/Senior Vice President, Accounting
Group PT Bank Syariah Mandiri (2014-2019) Group PT Bank Syariah Mandiri (2014-2019)
• Department Head/Assistant Vice President, • Department Head/Assistant Vice President,
Financial Report Analyst Management, Financial Report Analyst Management,
Operation and Accounting Group (OAG) Operation and Accounting Group (OAG)
PT Bank Syariah Mandiri (2006-2014) PT Bank Syariah Mandiri (2006-2014)
• Section Head, Consolidation and Analysis • Section Head, Consolidation and Analysis
Operatin and Accounting Group, PT Bank Operatin and Accounting Group, PT Bank
Mandiri Syariah (2004-2006) Mandiri Syariah (2004-2006)
• Auditor, Ernst and Young (2002-2004) • Auditor, Ernst and Young (2002-2004)
Pendidikan dan Disampaikan dalam pembahasan terpisah Presented in a separate discussion
Pelatihan 2022
2022
langsung indirectly

Profil Perusahaan
Company Profile
Irvan Yulian Noor

SEVP Enterprise Banking

Citizen
Domicile
Age
Dasar Hukum Surat Keputusan Direksi No. 0024/HCE/TAP/ Board of Directors Decree No. 0024/HCE/TAP/
Pengangkatan REORG/I/2023 tanggal 30 Januari 2023 REORG/I/2023 dated January 30, 2023
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 • Senior Executive Vice President Enterprise • Senior Executive Vice President Enterprise
Working Experience Banking PT Bank Muamalat Indonesia tbk Banking PT Bank Muamalat Indonesia tbk
(2023 - Sekarang) (2023 - Present)
• Chief Whosale Banking Officer PT Bank • Chief Whosale Banking Officer PT Bank
Muamalat Indonesia Tbk (2018-2023) Muamalat Indonesia Tbk (2018-2023)
• 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
• Senior VP, Deputi Group Head Corporate PT Bank ANZ Indonesia (2011-2014)
Banking 2 Group (Local Corporate) PT Bank • Senior VP, Deputy Group Head of Corporate
ICBC Indonesia Tbk (2010-2011s) Banking 2 Group (Local Corporate) of PT Bank
• Assistant Vice President (Senior Relationship ICBC Indonesia Tbk (2010-2011s)
Manager) Global Commercial Bank, Citibank • Assistant Vice President (Senior Relationship
NA (2007-2010) Manager) Global Commercial Bank, of
• Assistant Vice President Commercial Banking Citibank NA (2007-2010)
(Team Leader) PT Bank Mandiri Tbk • Assistant Vice President for Commercial
(2004-2007) Banking (Team Leader) of PT Bank Mandiri
• Executive Development Training (Program Tbk (2004-2007)
Pendidikan Executive – PPE) & Assistant
Managerial Commercial Banking PT Bank • Executive Development Training (Executive
Niaga Tbk (1996) Education Program - PPE) & Assistant
Managerial Commercial Banking of PT Bank
Niaga Tbk (1996)

Riksa Prakoso
SEVP Human Capital

Citizen
Domicile
Age
Dasar Hukum Surat Keputusan Direksi No. 0023/HCE/TAP/ Board of Directors Decree No. 0023/HCE/TAP/
Pengangkatan REORG/I/2023 tanggal 30 Januari 2023 REORG/I/2023 dated January 30, 2023
Legal Basis for
Appointment
Riwayat Pendidikan • Magister Ekonomi & Keuangan Islam dari • Master in Islamic Economics & Finance from
Education Background Universitas Trisakti (2022) Trisakti University (2022)
• Sarjana S1 Hubungan Internasional dari • Bachelor Degree in International Relations
Universitas Padjadjaran (1995) from Padjadjaran University (1995)
Pengalaman Kerja • Senior Executive Vice President Human • Senior Executive Vice President Human
Working Experience Capital Capital
PT Bank Muamalat Indonesia tbk (2023- PT Bank Muamalat Indonesia tbk (2023-
Sekarang) present)
• Chief Human Capital Officer PT Bank • Chief Human Capital Officer PT Bank
Muamalat Indonesia Tbk (2018-2023) Muamalat Indonesia Tbk (2018-2023)
• 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 (2006- HCBP, Head Reward of PT Bank Permata Tbk
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)

Profil Perusahaan
Company Profile
Profil Pejabat Eksekutif

Profile of Executive Officers
Usia
Pendidikan
Nama Tanggal Bergabung Jabatan (tahun) Institusi Pendidikan
Terakhir
Name Joining Date Position Age Educational Institution
Last Education
(years old)
Agung Prambudi 20 Februari 2017 Head of Distribution & 53 S1 Universitas Brawijaya

February 20, 2017 Network Management
Agus Andipratama Amir 19 Mei 2016 Head of Islamic 46 S1 University Of South
May 19, 2016 Business & SME Australia
Anton Hendrianto 3 Juli 2017 Head of HC Strategy 44 S2 Universitas Bina Nusantara
July 3, 2017 and Development
Aruddy 11 Mei 2012 Head of Enterprise 52 S2 Institut Pertanian Bogor
May 11, 2012 Banking Development
Astri Piesca Rini 7 Januari 2019 Head of Consumer 41 S1 Institut Teknologi Bandung
January 7, 2019 Financing Business
Bambang Rudi 14 Mei 2018 Head of Retail 50 S1 Institut Pertanian Bogor
Hariyanto May 14, 2018 Financing Risk
Catur Andayani 1 Oktober 2012 Head of Integrated Risk 53 S2 Universitas Indonesia
October 1, 2012 Management
Demmy Rizkiadhy 15 Oktober 2015 Head of Business 41 S1 Universitas Trisakti
October 15, 2015 Finance & Planning
Dicky Zakiudin 16 April 2018 Head of Retail 52 S1 Universitas 17 Agustus 1945
April 16, 2018 Collection Management Jakarta
Dyah Ekowati 7 Mei 1997 Head of Compliance 51 S1 Institut Pertanian Bogor
May 7, 1997
Elisa Ratnawardani 13 Januari 2022 Head of SOE and 52 S2 Monash University
January 13, 2022 Corporate Banking
Esti Budiarti 18 Juli 2016 Head of HCBP and 43 S1 Universitas Indonesia
July 18, 2016 Services
Hayunaji 17 Desember 2018 Head of Corporate 51 S1 Universitas Indonesia
December 17, 2018 Affairs
Ilham Wahyudin 9 April 2018 Head of Enterprise 47 S1 Sekolah Tinggi Ilmu
April 9, 2018 Financing Risk Manajemen
Khusnudhon 12 Januari 2022 Head of Corporate 47 S2 Universitas Gadjah Mada
January 12, 2022 Legal
Marjuki 12 Februari 2018 Head of Digital Banking 59 S2 Sekolah Tinggi Manajemen
February 12, 2018 PPM Jakarta
Moh. Madina Hendrik 12 April 2019 Head of Global Market 48 S2 Melbourne Unix Monash
Soe'oed April 12, 2019
Muhammad Ilham 1 September 2016 Head of Accounting 51 S1 Universitas Andalas
September 1, 2016 & Tax
Nanang Basuki 22 Juni 1993 Head of Corporate Real 52 S2 Institut Teknologi Bandung
June 22, 1993 Estate & Procurement
Novi Wardi 9 Januari 2017 Head of Financial 48 S2 Universitas Trisakti
January 9, 2017 Control
Riva Yan Abdillah 28 Januari 2021 Head of Internal Audit 50 S1 STEKPI
January 28, 2021
Sandhy Sofian 14 Januari 2022 Head of Information 50 S1 Universitas Gunadarma
January 14, 2022 Technology
Supriati Nugroho 22 Juli 2015 Head of Marketing & 48 S1 Universitas Sebelas Maret
Pernamawati July 22, 2015 Customer Management
Teguh Nugroho 1 Oktober 2012 Head of Special Asset 40 S1 Institut Pertanian Bogor
October 1, 2012 Management
Vinny Rika Anwar 26 Maret 2018 Head of Financing 47 S1 Institut Pertanian Bogor
March 26, 2018 Operations

Usia
Pendidikan
Terakhir
Last Education
(years old)
Vino Yudessa Lamantu 9 Mei 2016 Head of HCBP & 44 S1 Universitas Islam Indonesia
May 9, 2016 Industrial Relations
Wang Wardhana 4 Juni 2018 Head of Retail Funding 50 S2 La Trobe University
June 4, 2018 and Transaction
Wita Hanayori 13 Juni 2016 Head of Operation 49 S2 Sekolah Tinggi Manajemen
June 13, 2016 Services IPMI
Ahmad Salihin 8 September 1997 Region Head - Regional 49 S1 Universitas Hasanuddin
September 8, 1997 Sulawesi, Maluku & Makassar
Papua
Ana Hastuti 18 September 1996 Region Head - Regional 46 S1 STIE Adhy Niaga
September 18, 1996 Jakarta East
Aufrieda Artsiana Dewi 1 Agustus 2017 Region Head - Regional 53 S1 Universitas Airlangga
August 1, 2017 Jatim, Bali & Nusra
Erick Ermawan 1 Mei 2013 Region Head - Plt. 51 S1 Institut Pertanian Bogor
May 1, 2013 Regional Jakarta West
Eryk Lufiat 19 September 2016 Region Head - Regional 44 S1 Universitas Gadjah Mada
September 19, 2016 Jabar & Kalimantan 1
Sahlan 1 Mei 2001 Region Head - Regional 45 S1 Universitas Sumatera Utara
May 1, 2001 Sumatera
Sulistyanto Hibrizie 3 Oktober 2016 Region Head - 53 S1 Universitas Gadjah Mada
October 3, 2016 Regional Jateng, DIY &
Kalimantan 2
Mahmud Abu Bakar 15 April 2019 General Manager - 58 S2 University of Leicester, UK
April 15, 2019 Kuala Lumpur Branch
Abdillah Wahyudi 15 Januari 2018 Branch Manager - Plt. 45 S1 Universitas Muslim
January 15, 2018 Palu Branch Indonesia
Additya Dian Eko Putra 8 Mei 2014 Branch Manager - 32 S1 Universitas Sriwijaya
May 8, 2014 Tanjung Pinang Branch
Aditya Nugroho 9 Mei 2022 Branch Manager - 34 S1 STMIK Cikarang
May 9, 2022 Jababeka Branch
Ahmad Azwar 1 April 2014 Branch Manager - Plt. 40 S1 Universitas Muhammadiyah
April 1, 2014 Lampung Branch Yogyakarta
Aisya Anik Farida Musa 15 Juli 2021 Branch Manager - 48 S1 Universitas Pembangunan
July 15, 2021 Cipulir Branch Nasional
Akbar Sulaiman Karib 31 Desember 2004 Branch Manager - 43 S1 Universitas Hasanuddin
December 31, 2004 Ambon Branch Makassar
Anike Defriana 27 Februari 2017 Branch Manager - 48 S1 Universitas Tanjungpura
February 27, 2017 Kelapa Gading Branch
Anshar 12 Juni 1999 Branch Manager - 51 S1 Universitas Hasanuddin
June 12, 1999 Samarinda Branch Makassar
Arie Boentaram 17 Mei 2001 Branch Manager - 44 S1 UPI YAI Jakarta
May 17, 2001 Pontianak Branch
Arief Nur Yusuf 1 Oktober 2016 Branch Manager - 52 S1 Universitas Merdeka
October 1, 2016 Kalimas Bekasi Branch Malang
Bambang Haryo 1 Agustus 2006 Branch Manager - 38 S1 Universitas Muhammadiyah
Nugroho August 1, 2006 Purwokerto Branch Yogyakarta
Betha Muhammad Zaky 1 Februari 2007 Branch Manager - 42 S1 Institut Pertanian Bogor
February 1, 2007 Banjarmasin Branch
Bimo Setyawan 6 April 2017 Branch Manager - 44 S2 Universitas Atma jaya
April 6, 2017 Fatmawati Branch

Profil Perusahaan
Company Profile
Usia
Pendidikan
Terakhir
Last Education
(years old)
Budi Santoso 1 Maret 1996 Branch Manager - 49 S1 STIE Stikubank

March 1, 1996 Semarang Branch
Budi Sulaksana 21 April 2001 Branch Manager - Plt. 47 S1 Universitas Muhammadiyah
April 21, 2001 Pekalongan Branch Surakarta
Cahya Adi 2 Januari 2017 Branch Manager - Puri 44 S1 Institut Perbanas
January 2, 2017 Indah Branch
Christin Widyaningrum 26 April 2017 Branch Manager - 42 S1 Universitas Gadjah Mada
April 26, 2017 Kalimalang Branch
Christinawulansari Elok 1 September 2006 Branch Manager - 41 S1 Institut Teknologi Sepuluh
Jatiwaluyaningtias September 1, 2006 Jayapura Branch Nopember Surabaya
Danang Rokhmad 15 Juni 2009 Branch Manager - 37 S1 Universitas Negeri Surabaya
Sulendra Juni 15, 2009 Surabaya Darmo
Branch
Deny Hindarto 1 Agustus 2016 Branch Manager - 53 S2 The IPMI Business School
August 1, 2016 Bogor Branch
Dewi Fathia 1 Desember 2016 Branch Manager - BSD 49 S1 STIE Kampus Ungu
December 1, 2016 Branch
Dwi Poedji Widodo 3 Januari 2017 Branch Manager - 51 S2 STIE Malangkucecwara
Januari 3, 2017 Makassar Branch Malang
Dwi Rahayu 9 Mei 2022 Branch Manager - 42 S1 Universitas Udayana Bali
Warnaningsih May 9, 2022 Mataram Branch
Dyanne Poespa Sari 16 Maret 2020 Branch Manager - KPO 44 S2 Universitas Gadjah Mada
March 16, 2020 Muamalat Tower
Efrida Yanti Siregar 18 Maret 2003 Branch Manager - 44 S1 Universitas Sumatera Utara
March 18, 2003 Padang Sidimpuan
Branch
Erine Widya 10 Juni 2019 Branch Manager - 44 S1 Universitas Wijaya Kusuma,
Kusumawati June 10, 2019 Surabaya Sungkono Surabaya
Branch
Erwin Hatta 11 September 2017 Branch Manager - 51 S1 Universitas Sawerigading
September 11, 2017 Sorong Branch Makassar
Evia Lutvita Sarie 5 Januari 2006 Branch Manager - 41 S1 Universitas Islam Indonesia
January 5, 2006 Yogyakarta Branch
Feri Ferdian 1 September 2006 Branch Manager - 41 S1 Universitas Cenderawasih
September 1, 2006 Ternate Branch
Firmansyah Safari 3 Januari 2012 Branch Manager - 41 S1 Universitas Islam Bandung
January 3, 2012 Cengkareng Branch
Fitra Nirwan 28 April 2008 Branch Manager - 38 S1 STAIN Batusangkar
April 28, 2008 Pangkal Pinang Branch
Fitrawan 7 Januari 2004 Branch Manager - 41 S2 Universitas Haluoleo
January 7, 2004 Kendari Branch
Gama Sugara 13 Mei 2022 Branch Manager - Roxy 30 S1 Universitas Islam Malang
May 13, 2022 Branch
Giat Waluyo 7 Januari 2004 Branch Manager - Solo 46 S1 Universitas Jendral
January 7, 2004 Branch Soedirman
Hyang Pramesti 24 November 2014 Branch Manager - 42 S1 Universitas Jenderal
Kesumawijaya November 24, 2014 Cianjur Branch Achmad Yani
Imam Pudji Rahardjo 3 Juli 1995 Branch Manager - 52 D3 Politeknik Negeri Bandung
July 3, 1995 Cirebon Branch
Ismupdalifah 2 September 1993 Branch Manager - 53 S1 Universitas Indonesia
September 2, 1993 Ciledug Branch
Januar Fadlillah 26 September 2016 Branch Manager - Jambi 36 S1 Universitas Lampung
September 26, 2016 Branch
M. Asrul 31 Oktober 2008 Branch Manager - 38 S1 Universitas Negeri Makassar
October 31, 2008 Mamuju Branch
M. Helmi 24 Januari 2005 Branch Manager - 46 S1 Universitas Andalas
January 24, 2005 Palembang Branch
M. Nahdhudin Al Asady 2 Januari 2004 Branch Manager - 45 S1 IAIN Walisongo
January 2, 2004 Serang Branch

Usia
Pendidikan
Terakhir
Last Education
(years old)
Madihah Insaniyah 1 Oktober 2013 Branch Manager - 32 S1 Universitas Padjadjaran

October 1, 2013 Buaran Klender Branch
Maghfiroh 27 Juni 2016 Branch Manager - 40 S1 Universitas Jayabaya
June 27, 2016 Kebon Jeruk Branch
Mahmud K Diko 20 Juni 2007 Branch Manager - Plt. 39 S1 Universitas Muslim
Juni 20, 2007 Manado Branch Indonesia
Melinawati Amran 1 Desember 2016 Branch Manager - 49 S2 Universitas Persada
December 1, 2016 Bintaro Jaya Branch Indonesia (YAI)
Mhd Taufik 3 April 2011 Branch Manager - 37 S1 Universitas Komputer
April 3, 2011 Padang Branch Indonesia
Miky Mardiansyah Pino 25 Agustus 2016 Branch Manager - 47 S1 Universitas Sumatera Utara
August 25, 2016 Medan Baru Branch
Moch Khoiruddin 15 Desember 2003 Branch Manager - 44 S1 Universitas Jember
December 15, 2003 Jember Branch
Mohamad Haerudin 23 Maret 2007 Branch Manager - 38 S1 Universitas Sultan Ageng
March 23, 2007 Kediri Branch Tirtayasa
Mohammad Badrudin 13 Agustus 2007 Branch Manager - 42 S1 Institut Pertanian Bogor
August 13, 2007 Tasikmalaya Branch
Muhammad Amin 18 April 2005 Branch Manager - 43 S1 Universitas Islam Bandung
April 18, 2005 Pekanbaru Branch
Muhammad Husein 1 Maret 2008 Branch Manager - 38 S1 Universitas Sriwijaya
Sucipto March 1, 2008 Denpasar Branch
Muhammad Nurwahyu 20 September 2018 Branch Manager - 33 S1 Institut Manajemen Telkom
Ishak September 20, 2018 Gorontalo Branch
Muhammad Rajab 2 Juli 2018 Branch Manager - 45 S2 Universitas Islam Negeri
Lubis July 2, 2018 Pematangsiantar Sumatera Utara
Branch
Nasrulloh 1 Maret 2004 Branch Manager - 43 S2 Universitas Negeri Jember
March 1, 2004 Cilegon Branch
Neneng Siti Rahmah 15 September 2017 Branch Manager - 50 S1 STIE Adhy Niaga
Niar September 15, 2017 Melawai Branch
Pandu Angga Ikhsana 1 September 2015 Branch Manager - 40 S1 Institut Teknologi Bandung
September 1, 2015 Depok Branch
Prasetyo Nur Cahyo 1 Desember 2017 Branch Manager - 39 S1 Universitas Bina Nusantara
December 1, 2017 Rawamangun Branch
Rani Savitri Azhari 1 Juni 2021 Branch Manager - 44 S1 Universitas Nusa Cendana
Juni 1, 2021 Kupang Branch
Retno Ferna Astuti 9 Mei 2022 Branch Manager - 48 S1 STMI Depperindag RI
May 9, 2022 Kramat Raya Branch
Ribut Budi Putro Utomo 10 Agustus 2003 Branch Manager - 43 S1 Universitas Muhammadiyah
August 10, 2003 Palangkaraya Branch Surakarta
Rifyal Fajri 18 Desember 2006 Branch Manager - 40 S1 STT Telkom
December 18, 2006 Bengkulu Branch
Rina Kanthi 1 Januari 2022 Branch Manager - 56 S1 STIE YPKP BANDUNG
January 1, 2022 Bandung Branch
Rizma 13 Maret 1995 Branch Manager - 52 S1 Universitas Muhammadiyah
March 13, 1995 Surabaya KH Mas Malang
Mansyur Branch
Sari Astuti 1 Juli 2019 Branch Manager - Plt. 32 S1 STIE Mulia Pratama
July 1, 2019 Tangerang City Branch
Siti Herlina 17 September 2018 Branch Manager - 40 S1 Universitas Sriwijaya
September 17, 2018 Sawangan Bojongsari
Branch
Sopian 25 April 2011 Branch Manager - 34 S1 Universitas Riau
April 25, 2011 Batam Branch
Suriyansyah 1 April 2001 Branch Manager - 48 S1 Universitas Lambung
April 1, 2001 Balikpapan Branch Mangkurat
Syahrul Effendi 5 Desember 2016 Branch Manager - Aceh 45 S1 Universitas Syiah Kuala
December 5, 2016 Branch

Profil Perusahaan
Company Profile
Usia
Pendidikan
Terakhir
Last Education
(years old)
T. Abdullah Suherman 23 April 2004 Branch Manager - 42 S1 Universitas Padjadjaran

April 23, 2004 Sukabumi Branch
Uki A Wibowo 9 Januari 2017 Branch Manager - 47 S1 Universitas Sam Ratulangi
Januari 9, 2017 Wolter Monginsidi
Branch
Wahid Fitrian 15 Oktober 2012 Branch Manager - 41 S1 Universitas Sriwijaya
October 15, 2012 Medan Branch
Widyanti Hidayat 23 Desember 2019 Branch Manager - 41 S1 Universitas Padjadjaran
December 23, 2019 Karawang Branch
Wisnu Satria Bharata 13 September 2008 Branch Manager - 37 S1 Universitas Negeri
September 13, 2008 Malang Branch Semarang
Wisnu Zul Hilmy 1 Juni 2010 Branch Manager - 37 S1 Universitas Islam Indonesia
June 1, 2010 Kudus Branch
Yayan Hadiyanto 23 Juni 2008 Branch Manager - Tegal 42 S2 Universitas Gadjah Mada
June 23, 2008 Branch
Yeyen Djannati 26 Agustus 2006 Branch Manager - 42 S1 Universitas Muslim
Agustus 26, 2006 Pancoran Branch Indonesia

Statistik Karyawan
Employee Statistics
Hingga 31 Desember 2022, jumlah karyawan Bank Muamalat As of 31 December 2022, the number of Bank Muamalat
Indonesia tercatat sebanyak 2.480, dengan rincian sebagai Indonesia employees was recorded at 2,480, with the
berikut: following details:
Jumlah Karyawan berdasarkan Masa Kerja Number of Employees based on Years of Service
Jumlah Karyawan per 31 Desember
Number of Employees as of December 31
Masa Kerja Years of Service
2022 % 2021 % 2020 %
<1 tahun 278 11 125 5 111 4 <1 years

1–2 tahun 161 6 208 8 368 12 1–2 years
3–5 tahun 371 15 494 18 483 16 3–5 years
6–10 tahun 577 23 939 35 1.177 40 6–10 years
>10 tahun 1.093 44 934 35 829 28 >10 years
Jumlah 2.480 100 2.700 100 2.968 100 Total
Jumlah Karyawan berdasarkan Gender Number of Employees based on Gender

Gender Gender
2022 % 2021 % 2020 %
Laki-laki 1.524 61 1.640 61 1.803 61 Male

Perempuan 956 39 1.060 39 1.165 39 Female
Jumlah 2.480 100 2.700 100 2.968 100 Total
Jumlah Karyawan berdasarkan Lokasi Kerja Number of Employees based on Work Location
Lokasi Kerja Work Location
2022 % 2021 % 2020 %
Sumatera 316 13 381 14 430 14 Sumatra

Jawa 1.764 71 1.881 70 2.049 69 Java
Kalimantan 104 4 116 4 135 5 Kalimantan
Bali 11 0 12 0 16 1 Bali
Nusa Tenggara 22 1 24 1 28 1 Nusa Tenggara
Maluku 25 1 27 1 32 1 Maluku
Sulawesi 180 7 199 1 216 7 Sulawesi
Papua 32 1 34 1 36 1 Papua
Malaysia 26 1 26 1 26 1 Malaysia
Jumlah 2.480 100 2.700 100 2.968 100 Total

Profil Perusahaan
Company Profile
Jumlah Karyawan berdasarkan Status Karyawan Number of Employees based on Employment Status
Status Karyawan Employment Status
2022 % 2021 % 2020 %
Permanen 2.426 98 2.644 98 2.914 98 Permanent

Kontrak 54 2 56 2 54 2 Contract
Jumlah 2.480 100 2.700 100 2.968 100 Total
Jumlah Karyawan berdasarkan Usia Number of Employees based on Age

Usia Age
2022 % 2021 % 2020 %
Sampai dengan 30 tahun 237 10 234 9 314 11 up to 30 years old

31–40 tahun 1.500 60 1.731 64 1.962 66 31–40 years old
di atas 40 tahun 743 30 735 27 692 23 over 40 years old
Jumlah 2.480 100 2.700 100 2.968 100 Total
Jumlah Karyawan berdasarkan Level Organisasi Number of Employees based on Organisation Level
Level Organisasi Organisation Level
2022 % 2021 % 2020 %
Dewan Komisaris 5 0 5 0 5 0 Board of Commissioners

Dewan Pengawas Syariah 3 0 3 0 2 0 Sharia Supervisory Board
Direksi 4 0 6 0 6 0 Board of Directors
Chief 2 0 2 0 2 0 Chief
Head of L1 28 1 25 1 28 1 Head of L1
Head of Subsidiaries 1 0 3 0 2 0 Head of Subsidiaries
Region Head 8 0 9 0 9 0 Region Head
Head of L2 108 4 107 4 110 4 Head of L2
L2 Specialist 7 0 6 0 8 0 L2 Specialist
Branch Manager 77 3 76 3 79 3 Branch Manager
Priority Center Manager 3 0 3 0 3 0 Priority Center Manager
Head of L3 9 0 11 0 12 0 Head of L3
Region Commercial Head 2 0 3 0 5 0 Region Commercial Head
Region Operation Service 7 0 8 0 7 0 Region Operation Service
Manager Manager
Region Retail FOP Manager 3 0 3 0 6 0 Region Retail FOP Manager
Branch Operation Service 81 3 81 3 79 3 Branch Operation Service
Manager Manager
Sub Branch Manager 120 5 122 5 129 4 Sub Branch Manager
Operation Supervisor 152 6 143 5 127 4 Operation Supervisor
Team Leader 90 4 74 3 86 3 Team Leader
Other Officer 765 31 784 29 827 28 Other Officer
Clerical 1.000 40 1.218 45 1.428 48 Clerical
NBS 5 0 8 0 8 0 NBS
Jumlah 2.480 100 2.700 100 2.968 100 Total

Jumlah Karyawan berdasarkan Tingkat Pendidikan Number of Employees based on Education Level
Tingkat Pendidikan Education Level
2022 % 2021 % 2020 %
Pasca Sarjana 134 5 145 5 134 5 Post Graduate

Sarjana 2.138 86 2.333 86 2.589 87 Graduate
Diploma 194 8 211 8 233 8 Diploma
Di Bawah Diploma 14 1 11 0 12 0 Under Diploma
Jumlah 2.480 100 2.700 100 2.968 100 Total
PENGEMBANGAN KOMPETENSI KARYAWAN EMPLOYEE COMPETENCY DEVELOPMENT
Biaya Pengembangan Kompetensi Competency Development Costs

Pada tahun 2022 Bank Muamalat Indonesia mengalokasikan Bank Muamalat Indonesia allocated Rp29.93 billion for
biaya sebanyak Rp29,93 miliar untuk pengembangan employee competency development in 2022. This figure is
kompetensi karyawan. Jumlah tersebut menurun lower than the figure for 2021, which was IDR 34.87 billion.
dibandingkan tahun 2021 yang sebesar Rp34,87 miliar.
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 24 Business Core, Mengembangkan kompetensi SDM yang Bank Muamalat

Management, dibutuhkan melalui pendekatan terintegrasi yang Indonesia, Muamalat
2 Senior 700 Leadership, dirancang dengan memperhatikan kebutuhan Institute, dan pihak
Management Operation, Suport, individu karyawan, organisasi, perencanaan eksternal lainnya
3 Middle 5.824 Soft Skill susksesi karyawan, dan sasaran bisnis dalam
Management jangka pendek maupun jangka panjang.
Developing HR competencies in an integrated Bank Muamalat
4 Junior Management 29.973 manner, taking into account the needs of individual Indonesia, Muamalat
employees, organizations, employee success Institute, and other
planning, and short and long-term company goals. external parties
5 Staff 71.943
Pengembangan Kompetensi Dewan Komisaris Competency Development of the Board of

Commissioners
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 Mardiasmo Komisaris Utama General Banking for Executive 28 Desember 2022 di Muamalat Institute
Independen Jakarta
Independent President Desember 28, 2022
Commissioner in Jakarta
2 Sartono Komisaris Independen Basic Sharia Banking for Executive 25 Juli 2022 di Jakarta Muamalat Institute
Independent July 25, 2022 in
Commissioner Jakarta
Training Risk Management Certification 12-13 Agustus 2022 Muamalat Institute
Level 1 for Komisaris - Online via online
August 12-13, 2022
via online
Training Risk Management Certification 27 Agustus 2022 via Muamalat Institute
Level 2 for Komisaris - Online online
August 27, 2022 via
online

Profil Perusahaan
Company Profile
Waktu dan Tempat

Nama Peserta
No. Name of
Participant
Implementation
3 Amin Said Husni Komisaris Independen Basic Sharia Banking for Executive 25 Juli 2022 di Jakarta Muamalat Institute
Independent July 25, 2022 in
Commissioner Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
4 Suwarta Komisaris Independen - - -
Independent
Commissioner
5 Andre Mirza Komisaris Sharia Banking for Executive - Online 20 April 2022 via Muamalat Institute
Hartawan Commissioner online
April 20, 2022 via
online
Pengembangan Kompetensi Direksi dan Pejabat Competency Development of the Board of Directors and
Eksekutif Senior Senior Executive Officers
Waktu dan Tempat

Nama Peserta
No. Name of
Participant
Implementation
1 Indra Falatehan Presiden Direktur - - -

President Director
2 Karno Direktur Kepatuhan, - - -
Risiko, dan Hukum
Compliance, Risk,
and Legal Director
3 Hery Syafril Direktur Risiko Bisnis Indonesia Risk Management Outlook 2022 - 27 Januari 2022 di LPPI
Pembiayaan Next Stage of Great Change Jakarta
Financing Business Januari 27, 2022 in
Risk Director Jakarta
4 Wahyu Avianto Direktur Operasi dan - - -
Digital
Operation and Digital
Director
5 Suhendar Direktur Keuangan Training Risk Management Certification 7 Desember 2022 di Asbisindo
dan Strategi Level 5 Jakarta
Finance and Strategy December 7, 2022 in
Director Jakarta
Sharia Banking for Executive 19 Desember 2022 di Muamalat Institute
Jakarta
Desember 19, 2022
in Jakarta
6 Irvan Yulian Noor Senior Executive Vice Operational Risk : New Trend and Basel III 9 Juni 2022 di Jakarta BARA Risk
President Enterprise Implementation June 9, 2022 in Management
Banking Jakarta
Refreshment Sertifikasi Kompetensi Bidang 16 September 2022 Muamalat Institute
Treasury Dealer di Jakarta
September 16, 2022
in Jakarta
7 Riksa Prakoso Senior Executive Vice Workshop Consumer Payroll, Multiguna for 9 Januari 2022 di Muamalat Institute
President Human ASN & Pensiun Jakarta
Capital January 9, 2022 in
Jakarta
Indonesia Human Capital Conference & 31 Agustus 2022 di Economic Riview
Award - VIII - 2022 Jakarta
August 31, 2022 in
Jakarta

Waktu dan Tempat

Nama Peserta
No. Name of
Participant
Implementation
Refreshment Sertifikasi Manajemen Risiko 28 September 2022 Muamalat Institute

"RISK IN DIGITAL di Jakarta
September 28, 2022
in Jakarta
Talk Show Cyber Security - Hybrid 27 Oktober 2022 Bank Muamalat
(Hybrid) Indonesia
October 27, 2022
(Hybrid)
Pengembangan Kompetensi Dewan Pengawas Syariah Competency Development of the Sharia Supervisory
Board
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Sholahudin Al- Ketua Dewan - - -

Aiyub Pengawas Syariah
Chairman of Sharia
Supervisory Board
2 Siti Haniatunnisa Anggota Dewan - - -
Pengawas Syariah
Sharia Supervisory
Board Member
3 Agung Danarto Anggota Dewan Pelatihan Daring Dasar Pengawas Syariah 24 Februari-17 Dewan Syariah
Pengawas Syariah Bidang Perbankan Syariah - Online Maret 2022 via Nasional - Majelis
Sharia Supervisory online Ulama Indonesia
Board Member Februari 24-Maret
17, 2022 via online
Pengembangan Kompetensi Komite Audit Competency Development of the Audit Committee

Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Mardiasmo Ketua General Banking for Executive 28 Desember 2022 Muamalat Institute
Chairman di Jakarta
December 28, 2022
in Jakarta
2 Sartono Anggota Basic Sharia Banking for Executive 25 Juli 2022 di Muamalat Institute
Member Jakarta
July 25, 2022 in
Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
3 Suwarta Anggota - - -
Member
4 Dwi Sasongko Anggota - - -
Member
5 Tika Arundina Anggota - - -
Member

Profil Perusahaan
Company Profile
Pengembangan Kompetensi Komite Nominasi dan Competency Development of the Nomination and
Remunerasi Remuneration Committee
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Amin Said Husni Ketua Basic Sharia Banking for Executive 25 Juli 2022 di Muamalat Institute
Chairman Jakarta
July 25, 2022 in
Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
2 Suwata Anggota - -
Member
3 Andre Mirza Anggota Sharia Banking for Executive - Online 20 April 2022 via Muamalat Institute
Hartawan Member online
April 20, 2022 via
online
4 Riksa Prakoso Anggota Indonesia Human Capital Conference & 31 Agustus 2022 di Economic Riview
Member Award - VIII - 2022 Jakarta
Agustus 31, 2022 in
Jakarta
Pengembangan Kompetensi Komite Pemantau Risiko Competency Development of the Risk Oversight
Committee
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Suwarta Ketua - - -
Chairman
April 20, 2022 via
online
3 Sartono Anggota Basic Sharia Banking for Executive 25 Juli 2022 di Muamalat Institute
Member Jakarta
July 25, 2022 in
Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
4 Amin Said Husni Anggota Basic Sharia Banking for Executive 25 Juli 2022 di Muamalat Institute
Member Jakarta
July 25, 2022 in
Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
5 Dedi Sopyan Anggota - - -
Member

Pengembangan Kompetensi Komite Tata Kelola Competency Development of the Corporate Governance
Perusahaan Committee
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Sartono Ketua Basic Sharia Banking for Executive 25 Juli 2022 di Muamalat Institute
Chairman Jakarta
July 25, 2022 in
Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
2 Amin Said Husni Anggota Basic Sharia Banking for Executive 25 Juli 2022 di Muamalat Institute
Member Jakarta
July 25, 2022 in
Jakarta
August 12-13, 2022
via online
August 27, 2022 via
online
April 20, 2022 via
online
4 Dedi Sopyan Anggota - - -
Member
Pengembangan Kompetensi Sekretaris Perusahaan Corporate Secretary Competency Development

Waktu dan Tempat
Nama Peserta Jabatan Jenis Pelatihan Penyelenggara Penyelenggara
No.
Name of Participant Position Type of Training Time and Place of Organizer
Implementation
1 Hayunaji Head of Corporate Senior Management Forum 10-12 Januari 2022 Bank Muamalat
Affairs di Jakarta Indonesia
January 10-12, 2022
in Jakarta
Workshop Pendalaman materi Annual 3 Februari 2022 Indonesia
Report (POJK29/2016 & SEOJK 16/2021) dan via online Corporate
Sustainability Report (POJK 51/2017 Ferbruary 03, 2022 Secretary
via online Association (ICSA)
Workshop – Pendalaman Peraturan 24 Februari 2022 Indonesia
Ototritas Jasa Keuangan Nomor 17 tahun Corporate
2022 tentang Transaksi Material dan Secretary
Perubahan Kegiatan Usaha Association (ICSA)
Workshop – Integrity Matters 4 Maret 2022 via Chartered Institute
online fot Securities &
March 04, 2022 via Invesment
online
The Rising Importance of Operational Risk 25 Maret 2022 di Bank Muamalat
Tools & Risk Jakarta Indonesia
March 25, 2022 in
Jakarta
Seminar – G20 Seri 2 – Sistem Pembayaran 19 Mei 2022 Lembaga
Digital Lintas Negara dan Pengembangan Pengembangan
Mata Uangan Digital Bank Sentral Perbankan
Indonesia (LPPI)

Profil Perusahaan
Company Profile
Waktu dan Tempat

Nama Peserta Jabatan Jenis Pelatihan Penyelenggara Penyelenggara
No.
Name of Participant Position Type of Training Time and Place of Organizer
Implementation
Webinar – Tata Kelola Korporat di 9 Agustus 2022 IICD, FEB UI & IAI
Indonesia: Prinsip dan Praktik
Preparing Leaders to Think and Act Like 10 Agustus 2022 di Muamalat Institute
CEO Jakarta
August 10, 2022 in
Jakarta
Workshop – Pendalaman SEOJK 7/ 25 Agustus 2022 Indonesia
SEOJK.04/2022 tentang Caraa Corporate
Pemeriksaaan di Sektor Pasar Modal Secretary
Association (ICSA)
Seminar – G20 Seri 3 – Inklusi Keuangan 1 September 2022 Lembaga
Melalui Finctech Pengembangan
Perbankan
Indonesia (LPPI)
Workshop – One Step Closer to Your Goals: 9 September 2022 Indonesia
Be a Good Negotiator & Lobbyist Corporate
Secretary
Association (ICSA)
Webinar – Metaverse in Banking 15 September 2022 Otoritas Jasa
Keuangan (OJK)
Institute
September 28, 2022
in Jakarta
Talk Show Cyber Security – Hybrid 27 Oktober 2022 Bank Muamalat
(Hybrid) Indonesia
October 27, 2022
(Hybrid)
Dirasah Islamiyah DPS - Metodologi 24 November 2022 Bank Muamalat
Penetapan Fatwa DSN MUI dalam Transaksi di Jakarta Indonesia
Pembiayaan Syariah November 24, 2022
in Jakarta
Seminar – The Finance Sharia Outlook 2022 24 November 2022 KNEKS & Infobank
– Menuju Pusat Industri Halal Dunia
Becoming an Effective Secretary 6-20 Desember 2022 Muamalat Institute
di Jakarta
December 6-20,
2022 in Jakarta

Pengembangan Kompetensi Unit Audit Internal Competency Development of the Internal Audit
Committee
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Riva Yan Abdillah Head of Internal Senior Management Forum 10-12 Januari 2022 Bank Muamalat
Audit di Jakarta Indonesia
January 10-12, 2022
in Jakarta
The Rising Importance of Operational 25 Maret 2022 Bank Muamalat
Risk Tools & Risk Awareness in the Fast (Hybrid) Indonesia
Changing & Growing Business - Hybrid March 25, 2022
(Hybrid)
How to Communicate Audit Result 25 Maret 2022 via Bank Muamalat
Effectively - Online online Indonesia
March 25, 2022 via
online
Preparing Leaders to Think and Act Like 10 Agustus 2022 di Muamalat Insitute
CEO Jakarta
August 10, 2022 in
Jakarta
Workshop Enhacement Consumer 22-24 Agustus 2022 Bank Muamalat
Financing Process di Jakarta Indonesia
August 22-24, 2022
in Jakarta
September 28, 2022
in Jakarta
Talk Show Cyber Security - Hybrid 27 Oktober 2022 Bank Muamalat
(Hybrid) Indonesia
October 27, 2022
(Hybrid)
Pengembangan Kompetensi Departemen Manajemen Competency Development of the Risk Management

Risiko Department
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Catur Andayani Head of Integrated Workshop Finalisasi Skema Akad Dalam 9-10 Februari 2022 Bank Muamalat
Risk Management SOP Akad Pembiayaan - Online via online Indonesia
February 09-10,
2022 via online
Dari Bank Hybrid Menuju Bank Digital 17 Februari 2022 Otoritas Jasa
via online Keuangan (OJK)
Ferbruary 18, 2022 Institute
via online
Casual Talk: Buildingg A Resilient 18 Februari 2022 Otoritas Jasa
Sustainable Finance via online Keuangan (OJK)
Ferbruary 18, 2022 Institute
via online
NFT Antara Blockchain dan Cryptocurrency: 24 Februari 2022 Lembaga
Risk & Opportunity via online Pengembangan
Ferbruary 24, 2022 Perbankan
via online Indonesia (LPPI)
Changing & Growing Business - Hybrid March 25, 2022
(Hybrid)
Strategi dan Inovasi dalam Memperkuat 7 April 2022 Otoritas Jasa
Branding Produk Keuangan Syariah via online Keuangan (OJK)
April 07, 2022 Institute
via online

Profil Perusahaan
Company Profile
Waktu dan Tempat

Nama Peserta
No. Name of
Participant
Implementation
Peran Perempuan Indonesia di Sektor 21 April 2022 Lembaga

Perbankan dan Jasa Keuangan via online Pengembangan
April 21, 2022 Perbankan
via online Indonesia (LPPI)
Preparing Leaders to Think and Act Like 10 Agustus 2022 di Muamalat Institute
CEO Jakarta
August 10, 2022 in
Jakarta
August 22-24, 2022
in Jakarta
"RISK IN DIGITAL - Online via online
September 28, 2022
via online
Project Encancement Consumer Financing 13 November 2022 Muamalat Institute
Process di Jakarta
November 13, 2022
in Jakarta
Talk Show Cyber Security - Hybrid 27 November 2022 Bank Muamalat
(Hybrid) Indonesia
November 27, 2022
(Hybrid)
in Jakarta
Pengembangan Kompetensi Satuan Kerja Kepatuhan Competency Development of the Compliance Unit
Waktu dan Tempat
Nama Peserta
No. Name of
Participant
Implementation
1 Dyah Ekowati Head of Compliance Senior Management Forum 10-12 Januari 2022 Bank Muamalat
di Jakarta Indonesia
January 10-12, 2022
in Jakarta
The Impact of ESG in the Performance of 27 Januari 2022 Otoritas Jasa
the Financial Services via online Keuangan (OJK)
January 27, 2022 Institute
Via Online
Workshop Finalisasi Skema Akad Dalam 9-10 Februari 2022 Bank Muamalat
SOP Akad Pembiayaan – Online via online Indonesia
February 9-10, 2022
via online
Dari Bank Hibrid menuju Bank Digital 17 Februari 2022 di Otoritas Jasa
Jakarta Keuangan (OJK)
February 17, 2022 in Institute
Jakarta
Changing & Growing Business – Hybrid March 25, 2022
(Hybrid)
Strategi dan Inovasi dalam Memperkuat 7 April 2022 di Otoritas Jasa
Branding Produk Keuangan Syariah Jakarta Keuangan (OJK)
April 07, 2022 in Institute
Jakarta
Sosialisasi - Global Sukuk Issuance in 24 Mei 2022 di Allen and Overy
Reliance with Regulation S of the US Jakarta
Securities Act of 1933 May 24, 2022 in
Jakarta

Waktu dan Tempat

Nama Peserta
No. Name of
Participant
Implementation
Preventing & Combating Financial Crime in 9 Juni 2022 di Jakarta Otoritas Jasa
Financial Industry June 09, 2022 in Keuangan (OJK)
Jakarta Institute
Konvensi Nasional RSKKNI 14 Juni 2022 di Otoritas Jasa
Bandung Keuangan
Juni 14, 2022 in
Bandung
Anti Bribery Management System: 16 Juni 2022 di Otoritas Jasa
Experience Through Integrity Jakarta Keuangan (OJK)
Juni 16, 2022 in Institute
Jakarta
Konvensi Nasional Bid, APU-PPT 28 Juni 2022 di Otoritas Jasa
Bandung Keuangan (OJK)
Juni 28, 2022 in Institute
Bandung
August 22-24, 2022
in Jakarta
"RISK IN DIGITAL BANKING" - Online via online
September 28, 2022
via online
in Jakarta

Profil Perusahaan
Company Profile
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) – 82,65% Hajj Financial Management Agency (BPKH) – 82.65%
Nama
Badan Pengelola Keuangan Haji (BPKH) Hajj Financial Management Agency (BPKH)
Name
Tahun Pendirian 2017 2017
Year of Establishment
Dasar Hukum Pendirian • Undang-Undang Republik Indonesia No. 34 tahun • Law of the Republic of Indonesia No. 34 of 2014 on
Legal Basis for 2014 tentang Pengelolaan Keuangan Haji Management of Hajj Financial
Establishment • Peraturan Presiden Republik Indonesia No. 110
tahun 2017 tentang Badan Pengelola Keuangan • Regulation of the President of the Republic of
Haji Indonesia No. 110 of 2017 on Hajj Financial
• Peraturan Pemerintah No. 5 tahun 2018 tentang Management Agency
Pelaksanaan Undang-Undang No. 34 tahun 2014 • Government Regulation No. 5 of 2018 on the
tentang Pengelolaan Keuangan Haji Implementation of Law No. 34 of 2014 on
Management of Hajj Financial
Bidang Usaha Pengelolaan Keuangan Haji Management of Hajj Financial
Line of Business
Alamat Muamalat Tower, Jl. Prof Dr Satrio, Kav. 18, Muamalat Tower, Jl. Prof Dr Satrio, Kav. 18,
Address Kuningan Timur, Setiabudi, Jakarta Selatan 12940 Kuningan Timur, Setiabudi, South Jakarta 12940
Visi dan Misi
Vision and Mission
Visi BPKH berkomitmen menjadi lembaga pengelola BPKH is committed to become a trusted financial
Vision keuangan terpercaya yang memberikan nilai manfaat management institution that provides optimal value
optimal bagi jemaah haji dan kemaslahatan umat for pilgrims and the benefit of the Ummah
Misi • Membangun kepercayaan melalui pengelolaan • Building trust through the management of a
Mission sistem keuangan yang transparan dan modern transparent and modern financial system
• Meningkatkan efisiensi dan rasionalitas BPIH • Improving the efficiency and rationality of BPIH
melalui kerja sama strategis through strategic cooperations
• Melakukan investasi pada imbal hasil yang optimal • Invest in optimal returns with sharia principles
dengan prinsip syariah dan mempertimbangkan and taking into account the aspects of security,
aspek keamanan, kehati-hatian dan profesionalitas prudence, and professionalism
• Menciptakan tata kelola dan sistem kerja
yang komprehensif dan akuntabel dengan • Creating a comprehensive and accountable
mengembangkan SDM yang berintegritas dan governance and work system by developing HC
profesional with integrity and professionalism
• Memberikan kemaslahatan untuk meningkatkan
kesejahteraan umat • Provide benefits to improve the welfare of the
people.
Struktur Organisasi Berdasarkan Perpres No. 110 tahun 2017 tentang Based on Presidential Decree No. 110 of 2017 on the
Organisation Structure Badan Pengelola Keuangan Haji, organ BPKH terdiri Hajj Financial Management Agency, the BPKH organ
atas Badan Pelaksana yang paling sedikit terdiri consists of an Implementing Agency consisting of at
atas lima orang anggota yang berasal dari unsur least five professional members and a Supervisory
profesional dan Dewan Pengawas yang terdiri Board consisting of seven professional and
atas tujuh orang anggota yang berasal dari unsur Governmental members
profesional dan Pemerintah

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 sebagai ownership in PT Bank Muamalat Indonesia Tbk is as follows:
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
Masyarakat lainnya (masing-masing <1%) Lokal | Local 1.632.275.975 3,26
Other Public shareholders (each <1%)
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
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
Masyarakat lainnya (masing-masing <1%) Lokal | Local 1.632.275.975 3,26
Other Public shareholders (each <1%)

Profil Perusahaan
Company Profile
Kepemilikan Saham Dewan Komisaris dan Direksi Share Ownership of the Board of Commissioners
(Secara Langsung) (Direct)
Pemegang Saham Jabatan Jumlah Saham (lembar)
Percentage of Ownership
Shareholder Position Number of Shares (pages)
(%)
Dewan Komisaris | Board of Commissioners

Mardiasmo Komisaris Utama Independen - -
Suwarta Komisaris Independen - -
Sartono Komisaris Independen - -
Amin Said Husni Komisaris Independen - -
Ir. Andre Mirza Hartawan, MBA Komisaris 2.596.550.000 5,19
Commissioner
Direksi | Board of Directors
Indra Falatehan Direktur Utama - -
President Director
Karno Direktur Kepatuhan, Risiko, dan - -
Hukum
Compliance, Risk and Legal Director
Hery Syafril Direktur Risiko Bisnis Pembiayaan - -
Financing Business Risk Director
Wahyu Avianto Direktur Operasi dan Digital - -
Operations and Digital Director
Suhendar Direktur Keuangan dan Strategi - -
Finance and Strategy Director
Kepemilikan Saham Dewan Komisaris dan Direksi Share Ownership of the Board of Commissioners
(Secara Tidak Langsung) (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

Persentase
Jumlah Pemegang Jumlah
Kepemilikan
Saham Kepemilikan
Kelompok Percentage of Group
Number of Number of
Ownership
Shareholders Ownership
(%)
Lokal Local
Individu 337.145 7.276.761.983 14,55 Individual
Badan Usaha Business Entity
Pemerintah Daerah 492 4.565.050 0,00 Regional Government
Koperasi 769 148.221.700 0,29 Cooperative
Yayasan 109 85.853.285 0,17 Foundation
Dana Pensiun 15 85.552.570 0,17 Pension Fund
Asuransi 6 11.189.810 0,02 Insurance
Bank 14 25.978.710 0,04 Bank
Perseroan Terbatas 220 14.896.800 0,03 Limited Liabilities Company
Badan Usaha Lainnya 114 41.343.955.300 82,65 Other Business Entity
Jumlah Saham 338.875 48.996.971.208 97,96 Number of Shares
Asing Foreign
Individu - - - Individual
Badan Usaha 1 1.020.770.234 2,04 Business Entity
Jumlah Saham 1 1.020.770.234 2,04 Number of Shares
Jumlah 338.876 50.017.741.442 100,00 Total

Profil Perusahaan
Company Profile
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 Saham Bursa Efek

Tahun Aksi Korporasi Tanggal Efektif
Baru Nominal Value Stock
Year Corporate Action Efective Date
Number of 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 November 15, 2002
with Pre-emptive Rights
2005 Penawaran Umum Terbatas III Seri Saham 446.194.051 500 26 April 2005 Non Listed
C dengan Hak Memesan Efek Terlebih
Dahulu
Limited Public Offering III Series C Shares April 26, 2005
2010 Penawaran Umum Terbatas IV Seri Saham 820.251.749 500 28 Juni 2010 Non Listed
C dengan Hak Memesan Efek Terlebih
Dahulu
Limited Public Offering IV Series C Shares 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 Seri B Rp100
Saham Seri A (Rp200)
• Saham Seri C (Rp500) menjadi Saham Seri
B (Rp100) November 21, 2012
Stock Split Series A Shares
• Series A and B Shares (Rp1,000) to Rp200
become Series A Shares (Rp200) Series B Shares
• Series C Shares (Rp500) to become Series Rp100
B Shares (Rp100)
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 Muamalat Indonesia telah menerbitkan sukuk Bank Muamalat Indonesia issued long term subordinated
subordinasi mudharabah jangka panjang tanpa melalui mudharabah sukuk without public offering with total par
penawaran umum dengan nilai nominal sebesar value of Rp2,000,000,000. The initial profit-sharing payment
Rp2.000.000.000. Pembayaran pendapatan bagi hasil was made on June 15, 2022, and the last profit sharing will be
pertama kali dilakukan pada tanggal 15 Juni 2022, sedangkan paid on March 15, 2032. Sukuk principal will mature and be
pembayaran pendapatan bagi hasil terakhir akan dilakukan repaid on March 15, 2032.
pada tanggal 15 Maret 2032. Pokok sukuk akan jatuh tempo
dan dilunasi pada tanggal 15 Maret 2032.
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
Efek (%) Peringkat Efek
Nama Efek Nilai Pokok (Rp) Jatuh Tempo
Pre-determined Securities
Name of Securities Principal Value (Rp) Maturity
Ratio of Securities Rating
Holders (%)
Sukuk Subordinasi 2.000.000.000.000 58,64 15 Maret 2032 Non-rating
Mudharabah 2022 March 15, 2032
Subordinated Sukuk
Mudharabah 2022
Sukuk Mudharabah 2018 1.600.000.000.000 - 29 Juni 2038 Non-rating
Trust Certificate 2018 June 29, 2038
Sukuk Mudharabah Bank 2.440.856.000.000 50,72 15 November 2041 idA+ dari
Muamalat Indonesia 2021 November 15, 2041 PT Pemeringkat
Efek Indonesia
(PEFINDO)
idA+ from
PT Pemeringkat
Efek Indonesia
(PEFINDO)

Profil Perusahaan
Company Profile
Struktur Grup Perusahaan

Company Group Structure
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

Profil Perusahaan
Company Profile
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.

Profil Perusahaan
Company Profile
Daftar Entitas Anak dan Asosiasi

List of Subsidiaries and Associates
Hingga berakhirnya tahun buku 2022, Bank memiliki 5 (lima) Up to the end of the 2022 fiscal year, the Bank has 5 (five)
entitas anak dan asosiasi dengan uraian sebagai berikut. subsidiaries and associates with the following description.
Persentase
Kegiatan Tahun Status
Kepemilikan
Nama Usaha Pendirian Domisili Operasi Alamat
Ownership
Name Line of Year of Domicile Status of Address
Percentage
Business Establishment Operation
(%)
PT Al Ijarah Pembiayaan 2006 Jakarta Beroperasi 47,86 Menara Palma Lt. 25,

Indonesia Finance Financing In Operation Jl. HR. Rasuna Said Blok X2 Kav. 6
(ALIF) Kuningan,
Jakarta 12950 Indonesia
Yayasan Baitulmaal Dana Sosial 2000 Jakarta Beroperasi Ruko Mitra Matraman
Muamalat (BMM) Social Fund In Operation Blok A1 No. 27
Jl. Matraman Raya, RT 1/RW 4
Kb. Manggis, Matraman,
Jakarta 13150 Indonesia
DPLK Muamalat Pengelolaan 1997 Jakarta Beroperasi Gedung Muamalat Tower Lt. 10
Dana Pensiun In Operation Jl. Prof. Dr. Satrio Kav. 18.
Pension Fund Karet Kuningan
Management Jakarta 12940 Indonesia
Muamalat Institute Pelatihan 1999 Jakarta Beroperasi Jl. Tanjung Duren Raya No. 7
Syariah In Operation A-B-C, Grogol Petamburan,
Sharia Training Jakarta 11470 Indonesia
PT Syarikat Takaful Asuransi 1994 Jakarta Beroperasi 5,91 Graha Takaful Indonesia
Indonesia Syariah In Operation Jl. Mampang Prapatan Raya
Sharia No. 100
Insurance Jakarta 12790 Indonesia
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: Audit Laporan Keuangan PT Bank Services Provided: Audit of the Financial Statements of
Muamalat Indonesia Tbk PT Bank Muamalat Indonesia Tbk
Biaya: Rp1.250.000.000 Fee: Rp1,250,000,000
Periode Penugasan: November 2022 – Maret 2023 Assignment Period: November 2022 – March 2023

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%
PPN 10%) VAT)
Periode Penugasan: 2013 sampai sekarang Assignment Period: 2013 tp now
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 2022 Assignment Period: 2022 Fiscal Year

Profil Perusahaan
Company Profile
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 Allen & Ginting & Reksodiputro in association with Allen &
Overy LLP Overy LLP
The Energy Building, 15th Floor The Energy Building, 15th Floor
Sudirman Central Business District Sudirman Central Business 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-Public Category: Sharia Bank – Public Company (TBK), expected
Company (TBK), diharapkan dapat menjaga kepercayaan to maintain the trusts of shareholders and the wider
pemegang saham dan masyarakat luas. community.

Analisis dan
Pembahasan
Manajemen
Management Discussion
and Analysis
168 Tinjauan Ekonomi
Economic Overview
170 Tinjauan Industri Perbankan
Banking Industry Overview
171 Tinjauan Posisi Bank Muamalat
Indonesia di Industri Perbankan
Syariah
Overview of Bank Muamalat
Indonesia Position in the Sharia
Banking Industry
174 Tinjauan Operasional: Strategi Usaha
Operational Overview: Business
Strategy
175 Tinjauan Kinerja per Segmen Usaha
Performance Overview per Business
Segment
187 Tinjauan Kinerja Keuangan
Financial Performance Overview
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tinjauan Ekonomi
Economic Overview
Kondisi perekonomian pada tahun 2022, There are several difficulties in the
baik secara global maupun nasional economy in 2022, both globally and
penuh dengan tantangan. Negara-negara domestically. It is challenging for
di dunia dihadapkan pada ketidakpastian
ekonomi dan goepolitik serta kesulitan
countries to preserve their economic
stability as a result of economic and 5,31%
untuk menjaga stabilitas ekonominya. geopolitical conflicts. In the meantime, Ekonomi Indonesia tumbuh
5,31% (yoy) pada tahun 2022
Sementara ini, inflasi diberbagai negara several countries still have relatively high
Indonesia's economy to grow
juga masih berada pada level yang inflation levels. Inflation in developed 5.31% (yoy) in 2022
relatif tinggi. Perkiraan inflasi negara- countries is predicted to be 6.6%, while it
negara maju mencapai 6,6% sementara will be 9.5% in developing countries. While
inflasi negara-negara berkembang akan the rate of inflation in Indonesia itself was
mencapai 9,5%. Sementara inflasi di successfully kept at 5.51%.
20,1%
Indonesia sendiri masih berhasil ditekan
di level 5,51%.
Dana Pihak Ketiga perbankan
Untuk merespons kondisi tersebut, The government has released a number syariah tumbuh 20,1% (yoy)
Third-party funds from Islamic
pemerintah telah mengeluarkan sejumlah of policies to address these issues. Among
banks grew by 20.1% (yoy)
kebijakan. Di antaranya, kebijakan Bank other things, Bank Indonesia's policy
Indonesia mengenai suku bunga acuan regarding reference interest rates and
dan Giro Wajib Minimum (GWM) yang Minimum Statutory Reserves (GWM) may
dapat mempengaruhi kondisi likuiditas affect the liquidity conditions of Bank

Sejalan dengan kondisi perekonomian nasional

yang kuat, kinerja perbankan di Indonesia turut
mengalami pertumbuhan positif walaupun
menghadapi sejumlah tantangan seperti tekanan
pasar, perubahan regulasi, hingga ekspektasi
perekonomian yang kurang stabil.
In line with the strong national economic conditions, banking performance in Indonesia
also experienced positive growth despite facing a number of challenges, such as
market pressures, regulatory changes, and expectations of a less stable economy.
Bank Muamalat. Bahkan sepanjang tahun 2022, Bank Muamalat. Bank Indonesia continued raising the BI 7-Day
Indonesia terus menaikkan BI 7-Day Reverse Repo Rate Reverse Repo Rate (BI7DRR) throughout 2022 until it reached
(BI7DRR) hingga pada bulan Desember 2022, BI7DDR telah 5.50% in December 2022. This increase in interest rates will
mencapai 5,50 persen. Kenaikan suku bunga ini akan sangat have a significant impact on both the cost of funds and the
mempengaruhi biaya dana dan strategi penghimpunan DPK. strategy for collecting DPK.
Selain itu, kewajiban GWM Rupiah untuk Bank Umum Syariah In addition, starting on July 1, 2022, and continuing until
(BUS) dan Unit Usaha Syariah (UUS) naik menjadi 6,0% mulai September 1, 2022, the required GWM in Rupiah for Sharia
1 Juli 2022 dan menjadi 7,5% mulai 1 September 2022. Commercial Banks (BUS) and Sharia Business Units (UUS)
Selanjutnya, efektif per 1 Oktober 2022 Lembaga Penjamin increased to 6.0% and 7.5%, respectively. Moreover, the
Simpanan (LPS) turut menaikkan suku bunga penjaminan Deposit Insurance Corporation (LPS) increased the deposit
simpanan dalam rupiah di bank umum menjadi 3,75%. guarantee rate in Rupiah at commercial banks to 3.75% as
of October 1, 2022.
Kenaikan BI7DRR dan suku bunga penjaminan simpanan The cost of financing for banks generally was impacted by
dalam rupiah di bank umum tersebut berdampak pada the increase in the BI7DRR and deposit collection strategy
strategi penghimpunan DPK Bank secara umum. Tentu at commercial banks. Of course, this condition was a
kondisi ini memberikan tantangan yang tak mudah bagi considerable challenge for Bank Muamalat.
Bank Muamalat.

Tinjauan Industri Perbankan

Banking Industry Review
Sejalan dengan kondisi perekonomian nasional yang In line with the strong national economic conditions, banking
kuat, kinerja perbankan di Indonesia turut mengalami performance in Indonesia also experienced positive growth
pertumbuhan positif walaupun menghadapi sejumlah despite facing a number of challenges, such as market
tantangan seperti tekanan pasar, perubahan regulasi, pressures, regulatory changes, and expectations of a less
hingga ekspektasi perekonomian yang kurang stabil. Pada stable economy. In 2022, Indonesia's banking intermediation
tahun 2022 rasio intermediasi perbankan Indonesia tercatat ratio was recorded as having increased.
mengalami peningkatan.
Dalam kondisi penuh dengan tekanan, perekonomian The Indonesian economy has shown itself to remain resilient
Indonesia terbukti tetap tangguh. Badan Pusat Statistik (BPS) even under conditions full of pressure. According to the
mencatat, ekonomi nasional pada tahun 2022 tumbuh 5,3%, Central Statistical Agency (BPS), national economic growth in
lebih tinggi dari pencapaian tahun 2021 yang 3,70%. 2022 was 5.3%, up from 3.70% in 2021.
Selain itu, pertumbuhan penyaluran kredit baru dan Furthermore, the growth of new loan disbursement and
pertumbuhan Dana Pihak Ketiga (DPK) juga turut mengalami Third-Party Funds (DPK) increased by 11.35% (yoy) and 9.01%
kenaikan masing-masing tumbuh 11,35% (yoy) dan 9,01% (yoy), respectively. Meanwhile, financing in Sharia Banking
(yoy). Sementara untuk perbankan syariah, pembiayaan increased by 20.1% (yoy).
tercatat tumbuh sebesar 20,1% (yoy).
Selain itu, dukungan dari pemerintah untuk mendukung Furthermore, government support for economic growth,
pertumbuhan ekonomi maupun penyediaan sumber dana as well as the provision of long-term funding sources, has
pembiayaan jangka panjang turut membawa angin segar breathed new life into the overall banking situation. The
bagi kondisi perbankan secara keseluruhan. Kondisi industri condition of the banking industry has brought optimism
perbankan tersebut membawa optimisme bagi Bank for Bank Muamalat Indonesia to continue to improve its
Muamalat Indonesia untuk terus meningkatkan kinerjanya. performance.

Tinjauan Posisi Bank Muamalat

Indonesia di Industri Perbankan
Overview of Bank Muamalat Indonesia Position in the Banking Industry
Bank Muamalat merupakan pionir bank syariah di Indonesia. Bank Muamalat is an Indonesian Sharia banking pioneer.
Hal tersebut membuat Bank memiliki nilai unik tersendiri This gives the Bank a distinct value in the banking industry.
di industri perbankan. Sebagai pionir bank syariah, Bank Bank Muamalat, as a pioneer of Sharia banking, has played
Muamalat memiliki peran dalam menginisiasi beberapa a role in initiating several Sharia financial and non-financial
Lembaga keuangan maupun non-keuangan syariah di institutions in Indonesia.
Indonesia.
Selain itu, Bank Muamalat juga menjadi bank syariah Furthermore, Bank Muamalat is the first Sharia Bank to have
pertama yang memiliki cabang di luar negeri. Pencapaian branches abroad. This accomplishment adds value to the
tersebut membuat Bank memiliki nilai tambah sekaligus Bank while also serving as a model for business development
memberikan panutan bagi perkembangan bisnis di industri in the Sharia Banking industry. Bank Muamalat will continue
perbankan syariah. Ke depan, Bank Muamalat akan terus to strive to increase its market share and contribute more to
berupaya untuk meningkatkan pangsa pasar sekaligus the growth of Sharia Banking in Indonesia in the future.
berkontribusi lebih besar bagi pertumbuhan perbankan
syariah di Indonesia.

Tinjauan Operasional: Strategi Usaha

Operational Overview: Business Strategy
Untuk dapat mewujudkan pengembangan usaha di tahun To achieve business development in 2022, the Bank
2022, Bank merumuskan langkah-langkah strategis dengan developed strategic steps with 3 (three) main focuses. First,
3 (tiga) fokus utama. Pertama, yaitu: s follows:
1. Build Synergy & Smart Banking Ecosystem 1. Build Synergy & Smart Banking Ecosystem
a. Integration & Business Synergy with BPKH a. Integration & Business Synergy with BPKH
Bank telah membentuk tim Sinergi BPKH-BMI. The Bank has established a BPKH-BMI Synergy team.
Kolaborasi yang dilakukan mencakup beragam The collaboration covered a wide range of segments,
segmen, seperti financing, funding dan fee based including financing, funding, and fee-based income,
income, investment instrument, digital banking, investment instruments, digital banking, branding, as
branding serta values dan corporate culture. well as values and corporate culture. The formation
Dengan dibentuknya Tim Sinergi, maka Bank dapat of the Synergy Team allows the Bank to optimize the
mengoptimalkan dukungan Badan Pengelola support of the Hajj Financial Management Agency
Keuangan Haji (BPKH) yang menjadi pemegang (BPKH), the controlling shareholder, in order to grow
saham pengendali, dalam rangka menumbuhkan the business.
bisnis.
b. Build Lucrative Islamic Business Ecosystem b. Build Lucrative Islamic Business Ecosystem
Saat ini Bank fokus untuk menjalin hubungan The Bank is currently focusing on developing strategic
strategis dengan ormas-ormas Islam seperti relationships with Islamic mass organizations such
Muhammadiyah, Nahdlatul Ulama Hidayatullah, as Muhammadiyah, Nahdlatul Ulama Hidayatullah,
Wahdah Islamiyah dan lain sebagainya. Wahdah Islamiyah, and others.
c. Accelerate Digital Transformation c. Accelerate Digital Transformation In 2022, the
Pada tahun 2022, Bank memperkuat penerapan Bank strengthened its implementation of digital
teknologi digital dalam berbagai kegiatan bisnis technology in various existing business and
dan operasional yang ada. Hal ini dilakukan untuk operational activities. This was carried out in order to
menciptakan layanan perbankan yang terintegrasi, create integrated, simple, and easy banking services,
simpel dan mudah, yang pada akhirnya dapat which in turn could increase customer loyalty and
meningkatkan loyalitas dan engagement nasabah. engagement.

2. Drive Profitable Business 2. Drive Profitable Business

a. Low Cost Fund Acquisition a. Low Cost Fund Acquisition
Bank tetap fokus pada peningkatan dana murah The Bank remains focused on increasing low-cost
berbasis tabungan dan giro melalui serangkaian savings and current account-based funds through a
produk dan program yang inovatif serta sesuai series of products and programs that are innovative
dengan kebutuhan nasabah. Saat ini Bank masih and in line with customer needs. Currently, the Bank
berupaya dalam melakukan funding reprofiling baik is still working on funding reprofiling for both the
segmen retail maupun wholesale. retail and wholesale segments.
b. Aggressive Fee Based Income b. Aggressive Fee-Based Income
Bank melakukan beberapa upaya untuk The Bank made several efforts to increase Fee-
meningkatkan Fee Based Income. Dari Trade Finance, based Income. From Trade Finance, the Bank is
Bank berupaya melakukan realisasi pipeline yang trying to realize the pending pipeline and speed up
masih tertunda serta mempercepat proses approval the approval process while taking into account the
dengan tetap memperhatikan Risk Acceptance Criteria. Risk Acceptance Criteria. From the retail segment,
Dari segmen retail, dilakukan melalui bancassurance, this is carried out through bancassurance by
dengan meningkatkan campaign untuk mendukung increasing campaigns to support sales. For the
sales. Untuk program investasi, Bank terus investment program, the Bank continues to sell
melakukan penjualan sukuk secara agresif dengan sukuk aggressively by increasing socialization and
cara meningkatkan sosialisasi dan campaign setiap campaigns for each new sukuk launch from the
peluncuran sukuk baru dari Pemerintah. Government.
c. Efficient Business Process and Organization c. Efficient Business Process and Organization
Bank melakukan transformasi melalui peningkatan The Bank carries out transformation through
dan perbaikan sistem, prosedur dan kebijakan. Bank development and improvement of systems,
akan merumuskan kembali Visi dan Misi Bank agar procedures, and policies. The Bank will reformulate
sesuai dengan kondisi dan target yang akan dicapai, the Bank's Vision and Mission to suit the conditions
termasuk penyelarasan dengan BPKH sebagai and targets to be achieved, including alignment with
Pemegang Saham. BPKH as a Shareholder.
3. Strengthen Portfolio Management 3. Strengthen Portfolio Management

a. Robust Financing Growth a. Robust Financing Growth
Bank akan fokus pada penyaluran pembiayaan The Bank prioritized on disbursing loans in
di sektor yang prospektif dan bersifat low-risk prospective and low-risk sectors, such as SOEs,
misalnya pembiayaan kepada BUMN, large company/ large companies/conglomerates, mortgages, and
konglomerasi, KPR dan Employee Benefit Program Employee Benefit Programs (financing for companies
(pembiayaan untuk perusahaan yang memiliki with payroll or non-payroll at Bank Muamalat) and
payroll ataupun non-payroll di Bank Muamalat) serta Islamic Business.
pembiayaan pada Islamic Business.

b. New Approach Bad Bank Recovery b. New Approach Bad Bank Recovery
Bank terus berupaya untuk mengatur dan The Bank continues to strive to regulate and
memperbaiki portofolio pembiayaan berkualitas improve low-quality financing portfolios, which are
rendah yang dirumuskan melalui serangkaian formulated through a series of strategies, including
strategi, misalnya proses otomasi proses cash the automation of cash collection processes,
collection, restrukturisasi, offsetting Agunan Yang restructuring, offsetting of foreclosed collateral
Diambil Alih (AYDA), litigasi, eksekusi jaminan (AYDA), litigation, execution of guarantees, and
serta kerja sama dengan Strategic Investor dan cooperation with Strategic Investors and other
Strategic Partner lainnya. Bank juga berupaya untuk Strategic Partners. The Bank also strives to provide
menyediakan pencadangan yang cukup untuk sufficient reserves to cover potential losses.
menutup potensi kerugian yang ada.
c. Prudent and Proactive Risk Management c. Prudent and Proactive Risk Management
Bank melaksanakan perbaikan kualitas portofolio The Bank carried out portfolio quality improvements
dengan penerapan risk management yang ketat by implementing strict risk management to prevent
untuk mencegah penurunan kualitas pembiayaan. a decline in financing quality. The Bank continues to
Bank terus menjaga penyaluran pembiayaan agar maintain its financing disbursement so that it remains
tetap fokus dan disiplin pada target market dan risk- focused and disciplined on the predetermined target
acceptance criteria yang telah ditentukan. market and risk acceptance criteria.

Tinjauan Kinerja per Segmen Usaha

Performance Overview by Business Segment
SEGMEN RETAIL RETAIL SEGMENT

Segmen usaha Retail Bank Muamalat merupakan segmen The Bank Muamalat retail business segment is a segment
yang membidik nasabah individu dan non-individu dengan that targets individual and non-individual customers with
produk yang mencakup giro, tabungan dan deposito products that include current accounts, savings, and time
berjangka. Hingga berakhirnya tahun buku 2022, produk deposits. Until the end of the 2022 financial year, the products
dan layanan yang diberikan oleh segmen usaha retail seperti and services provided by the retail business segment are as
diuraikan dalam tabel bab Profil Perusahaan, bagian produk described in the table for the Company Profile chapter, the
dan layanan. products and services section.
Strategi Tahun 2022 2022 Strategy

Sepanjang tahun 2022, segmen retail fokus pada dana Throughout 2022, the retail segment focused on low-cost
murah (CASA) dengan akad Wadiah dilengkapi dengan fitur funds (CASA) with Wadiah contracts complemented by
subdsidi biaya transaksional (gratis transfer dan gratis tarik transactional fee subsidy features (free transfers and free
tunai) seperti Tabungan iB Hijrah Wadiah, Tabungan Prima cash withdrawals) such as the iB Hijrah Wadiah Savings,
Berhadiah dan Giro Berhadiah. Untuk retensi nasabah Prima Berhadiah Savings, and Giro Berhadiah. For the
dan nasabah dengan jumlah dana yang besar, disediakan retention of customers and customers with large amounts
Tabungan Prima Berhadiah. of funds, Prima Berhadiah Savings is provided.
Kinerja Performance
Hingga akhir tahun buku 2022, segmen retail membukukan The retail segment recorded financing of Rp6.63 trillion as of
Pembiayaan Per Desember 2022 sebesar Rp6,63 triliun December 2022, an increase of 0.90% from the previous year
atau meningkat 0,90% dari tahun lalu periode yang sama in the same period of Rp6.58 trillion. Meanwhile, Third-Party
sebesar Rp6.58 triliun. Sementara itu, Dana Pihak Ketiga Funds (DPK) totaled Rp41.29 trillion, a 3.31% decrease from
(DPK) sebesar Rp41,29 triliun, menurun 3,31% dibandingkan the previous year's total of Rp42.70 trillion. This decrease
tahun sebelumnya yang sebesar Rp42,70 triliun. Penurunan was primarily due to a decrease in Time Deposits, followed
tersebut disebabkan terutama oleh penurunan Deposito, by a decrease in CASA, both of which decreased by 4.23%
diikuti penurunan CASA yang masing-masing menurun and 2.29%, respectively
sebesar 4,23% dan 2,29%.
Kinerja Segmen Usaha Retail Retail Business Segment Performance

(Rp miliar, kecuali dinyatakan lain) (Rp billion, unless stated otherwise)
Pertumbuhan
Uraian Growth
Description
2022 2021
Nominal Persentase
Nominal Percentage
Pembiayaan
6.634 6.575 59 0,90%
Financing
Dana Pihak Ketiga
41.292 42.704 -1.412 -3,31%
Third-Party Fund
Pendapatan Margin
720 781 -61 -7,81%
Margin Income
Beban Margin
-1.073 -1.225 152 -12,41%
Margin Expense
Pendapatan Berbasis Jasa
188 177 10,4 5,87%
Fee-Based Income

Pertumbuhan
Uraian Growth
Description
2022 2021
Nominal Persentase
Nominal Percentage
Gain on Forex & Securities
13 5 7,7 154,00%
Pendapatan Bersih
273 138 135 97,83%
Revenue
Profitabilitas Profitability
Profitabilitas Segmen Usaha Retail hingga Desember Profitability of the Retail Business Segment until December
2022, Pendapatan Margin tercatat sebesar Rp720 miliar 2022, Margin Income was recorded at Rp720 billion, a
mengalami penurunan 7,81% (yoy) atau sebesar Rp781 decrease of 7.81% (yoy) or Rp781 billion at the end of 2021,
miliar di akhir tahun 2021, sedangkan Beban Margin tercatat while Margin Expense were recorded at Rp1.07 trillion, a
sebesar Rp1,07 triliun mengalami penurunan 12,41% (yoy) decrease of 12.41% (yoy) or Rp1.23 trillion at the end of 2021.
atau sebesar Rp1,23 triliun di akhir tahun 2021.
Total Pendapatan Berbasis Jasa tercatat sebesar Rp188 Total Fee-Based Income was Rp188 billion, an increase of
miliar atau tumbuh sebesar 5,87% (yoy) dari periode yang 5.87% (yoy) from Rp177 billion in the same period of the
sama tahun sebelumnya sebesar Rp177 miliar. Fee based previous year. Fee-based income increased, driven by Gains
income meningkat di dorong oleh Gain on Forex & Securities on Forex and Securities, which increased by Rp7.7 billion
yang tumbuh sebesar Rp7,7 miliar dari tahun sebelumnya from Rp5 billion to Rp13 billion at the end of 2022, and Service
Rp5 miliar menjadi Rp13 miliar di akhir tahun 2022 dan Fees, which increased by Rp2 billion from Rp165 billion to
Service Fee meningkat sebesar Rp2 miliar dari tahun Rp167 billion at the end of 2022. Based on the foregoing, the
sebelumnya Rp165 miliar menjadi Rp167 miliar di akhir retail business segment's profit before tax (PBT) until the end
tahun 2022. Sehingga atas hal tersebut di atas, Pendapatan of 2022 was Rp273 billion, a 97.83% (yoy) increase from the
Bersih segmen usaha retail sampai dengan akhir tahun 2022 previous Rp138 billion.
tercatat sebesar Rp273 miliar meningkat sebesar 97,83%
(yoy) dari sebelumnya sebesar Rp138 miliar.
Rencana Strategis 2023 Strategic Plan for 2023

Pada tahun 2023, segmen retail fokus pada dana murah In 2023, the retail segment will prioritize low-cost funds
(CASA) dengan akad Wadiah melalui program tabungan (CASA) with Wadiah contracts through the iB Hijrah savings
iB Hijrah, Tabungan Prima Berhadiah dan Giro Berhadiah program, Prima Berhadiah Savings, and Giro Berhadiah,
dengan titik berat pada akuisisi payroll melalui program with a focus on payroll acquisition through the ASN Salary
Bank Penyalur Gaji ASN. Program TPB akan dijalankan untuk Channeling Bank program. The TPB program will be
retensi nasabah. implemented in order to retain customers.

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
salah satu strategi dari manajemen Bank Muamalat yang of the management strategies of Bank Muamalat, which is a
merupakan unit kerja yang fokus pada kegiatan komersial work unit that focuses on commercial and non-commercial
dan non komersial (sosial) sebagai berikut: (social) activities such as the following:
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, and
sedekah (ZISWAF). sadaqah (ZISWAF).
Adapun untuk memberikan pelayanan yang lebih maksimal In order to provide more optimal services for Hajj and
untuk Haji dan Umrah, yang sebelumnya berada di bawah Umrah, which were previously managed by IBS, they have
pengelolaan IBS, saat ini telah dipisah unit kerja sendiri yaitu now divided their own work units into Hajj & Umrah Services
Hajj & Umrah Services (HUS). divisions (HUS).
Potensi pasar yang sudah diidentifikasi oleh Bank dapat The Bank has identified two types of market potential:
dikategorikan dalam dua kelompok yaitu: amal usaha yang business charities that are part of larger organizations and
menjadi bagian dari ormas dan yayasan-yayasan Islam independent Islamic foundations that are either part of a
mandiri baik yang menjadi bagian dari sebuah jaringan network or large independent foundations.
maupun yayasan-yayasan independen yang besar.
Berdasarkan strategi tersebut maka diharapkan IBS akan Based on this strategy, it is hoped that IBS will contribute
memberikan kontribusi terhadap pencapaian target yang to meeting management's targets by providing customer
telah ditentukan oleh manajemen melalui layanan nasabah service that focuses on financing, funding, and transactional
yang fokus kepada financing, funding, maupun fasilitas 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 Management Wealth Management and e-Business Management
Bank telah menganalisa dan menyesuaikan strategi The Bank has analyzed and adjusted strategies to account for
terhadap perubahan perilaku konsumen akibat disruption changes in consumer behavior caused by disruptions in the
dari adaptasi teknologi baru pada transaksi keuangan dan adoption of new technology in financial transactions as well
juga dampak pandemi COVID-19. Untuk menyesuaikan as the impact of the COVID-19 pandemic. The Bank intends
strategi bisnisnya dengan perubahan ini, Bank berupaya to update its information technology infrastructure in order
untuk memperbarui infrastruktur teknologi informasinya. to adapt its business strategy to these changes. One of the
Salah satu yang paling penting adalah menyesuaikan Mobile most important is integrating Muamalat DIN Mobile Banking
Banking Muamalat DIN maupun Internet Banking dengan and Internet Banking with customer-specific technology.
teknologi yang sesuai dengan kebutuhan nasabah. Saat ini, Customers are currently prioritizing transaction speed and
nasabah lebih mengutamakan kecepatan dalam transaksi are beginning to reduce physical transactions with branches.
dan mulai mengurangi transaksi fisik dengan cabang. Oleh As a result, optimizing Muamalat Mobile Banking and
karenanya, optimalisasi pada Muamalat Mobile Banking Internet Banking so that they are always connected to the
maupun Internet Banking untuk selalu terhubung ke digital economic ecosystem is a step that the Bank must take
ekosistem ekonomi digital merupakan langkah yang perlu through the development of new features and new strategic
diambil oleh Bank, melalui pengembangan fitur baru dan partners.
mitra strategis baru.

Bank Muamalat Indonesia juga senantiasa melakukan Bank Muamalat Indonesia also continued to make various
berbagai upaya guna mendukung Bank Indonesia dan OJK efforts to support Bank Indonesia and OJK in increasing
dalam meningkatkan transaksi non-tunai demi mewujudkan non-cash transactions in order to create a cashless society.
cashless society. Pengembangan e-channel terus dilakukan E-channel development is continuing, with the addition of
seperti penambahan fitur pembayaran tagihan dan bill payment and purchase features such as Ovo and GoPay
pembelian seperti top-up Ovo dan GoPay, penambahan ini top-ups. This enhancement was made to Bank Muamalat
telah dilakukan di Mobile Banking dan ATM Bank Muamalat Indonesia Mobile Banking and ATMs in order to increase
Indonesia sehingga memberi dampak positif pada the number of customers' daily financial transactions. The
meningkatkan jumlah transaksi keuangan nasabah sehari development of this feature can meet customer needs,
hari. Pengembangan fitur ini mampu memenuhi kebutuhan which increases customer loyalty, which is reflected in an
nasabah yang pada akhirnya meningkatkan kesetiaan increase in the average balance of customer accounts at
nasabah yang tercermin pada peningkatan saldo rata-rata Bank Muamalat Indonesia.
rekening nasabah di Bank Muamalat Indonesia.
Bank Muamalat juga menghubungkan nasabah-nasabah Bank Muamalat also links BPRS customers to the digital
BPRS ke ekosistem ekonomi digital melalui layanan e-channel economic ecosystem via linked e-channel services between
yang terkoneksi antara sistem BPRS dan Bank. Diharapkan the BPRS system and the Bank. This connection is expected
transaksi keuangan dan saldo rata-rata dari BPRS dapat to increase financial transactions and the average balance
meningkat dengan adanya koneksi ini. of the BPRS.
Di samping itu, layanan Automatic Teller Machine (ATM) Furthermore, the performance of the Automatic Teller
juga terus dioptimalkan kinerjanya, salah satunya adalah Machine (ATM) service is being optimized, one of which
dengan melakukan strategi relokasi. Strategi tersebut sukses is through the implementation of a relocation strategy.
menaikkan fee-based income bagi Bank Muamalat Indonesia, This strategy was successful in increasing Bank Muamalat
terkhusus segmen ATM Off Premises. Pemilihan lokasi di luar Indonesia's fee-based income, particularly in the Off-
kantor untuk penempatan ATM tetap menjadi perhatian Premises ATM segment. The placement of ATMs outside
agar tetap memfasilitasi kebutuhan transaksi nasabah the office remains a concern in order to continue to meet
secara praktis dan menyeluruh. practical and comprehensive customer transaction needs.
Adapun di dalam Wealth Management, dari segi produk In terms of Wealth Management products, the Bank strives
Bank mencoba memberikan produk-produk yang bersaing to provide products that compete with competitors in order
dengan kompetitor sehingga dapat memberikan nilai to provide added value to customers and make them feel
tambah kepada nasabah sehingga nasabah merasa nyaman comfortable transacting with Bank Muamalat. Currently,
bertransaksi dengan Bank Muamalat. Adapun saat ini produk the Wealth Management products that can be offered to
Wealth Management yang dapat ditawarkan kepada nasabah customers are superior products, such as Bancassurance,
adalah produk-produk unggulan, seperti Bancassurance yang which has collaborated with several well-known product
sudah bekerja sama dengan beberapa penyedia produk providers to provide convenience and an alternative
yang sudah dikenal baik oleh masyarakat dengan tujuannya investment product for customers.
adalah memberikan kenyamanan dan sebagai alternatif
produk investasi bagi nasabah.
Selain itu, Bank juga memiliki produk-produk investasi dan Moreover, the Bank offers investment and deposit products
simpanan seperti Sukuk Ritel, Sukuk Tabungan dan Sukuk such as Retail Sukuk, Savings Sukuk, and Waqf Sukuk.
Wakaf. Sebagai mitra distribusi yang telah ditunjuk oleh Bank Muamalat has always participated in assisting the
Kementerian Keuangan Republik Indonesia, Bank Muamalat government in developing the State of Indonesia as a
selalu berpartisipasi dalam membantu pemerintah dalam distribution partner designated by the Ministry of Finance of
pembangunan Negara Indonesia, kami juga berpartisipasi the Republic of Indonesia. We also took part in the first sale
pada penjualan pertama kali Sukuk Wakaf bersama of Wakaf Sukuk alongside several other Sharia Banks to help
dengan beberapa Bank Syariah lainnya dalam membantu the government in handling the COVID-19 pandemic.
pemerintah dalam penanganan akibat COVID-19.
Ke depannya, Bank berupaya menyediakan produk investasi Going forward, the Bank seeks to provide Sharia Mutual Fund
Reksadana Syariah yang bekerja sama dengan perusahaan investment products in collaboration with fintech companies
fintech yang sudah memiliki lisensi APERD. Selain Reksa that already have APERD licenses. Apart from mutual funds,
dana, BMI juga akan mengembangkan Layanan Emas Digital BMI will also develop Digital Gold Services as an investment

sebagai salah satu alternatif investasi bagi nasabah sehingga alternative for customers so that they can diversify their
dapat mendiversifikasikan kekayaannya pada aset pilihan. wealth into 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, as well as focus on product and service needs for the
maupun layanan untuk segmen HNWI, Muamalat Prioritas HNWI segment, Muamalat Prioritas has realized the opening
telah merealisasikan pembukaan beberapa Priority Center di of several Priority Centers at main branch offices, apart
kantor cabang utama, selain di Muamalat Tower. Sehingga from those at Muamalat Tower. So that in 2022 Muamalat
di tahun 2022 Muamalat Prioritas memiliki total 7 Priority Prioritas has a total of 7 Priority Centers as service centers
Center sebagai sentra layanan yang berada di cabang utama located at the main branch of Muamalat Tower-Jakarta; main
Muamalat Tower-Jakarta; cabang utama Melawai-Jakarta; branch Melawai-Jakarta; main branch of Klender Buaran-
cabang utama Klender Buaran-Jakarta, cabang utama Buah Jakarta, main branch of Buah Batu-Bandung; Medan Baru-
Batu-Bandung; cabang utama Medan Baru-Medan; cabang Medan main branch; Darmo-Surabaya main branch; and the
utama Darmo-Surabaya; dan cabang utama Makasar- Makassar-South Sulawesi main branch.
Sulawesi Selatan.
Dalam menjaga customer engagement dengan nasabah, In order to maintain customer engagement, Muamalat
layanan Muamalat Prioritas hadir menyapa nasabah dengan Prioritas Services is here to greet customers with various
berbagai kegiatan online webinar. Online webinar disajikan online webinars. Online webinars are presented with a
dengan berbagai topik menarik dan terkini mulai dari kajian variety of interesting and up-to-date topics, ranging from
para ulama, health talk, sampai dengan tema menarik lectures by ulama to health talks 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 get input from Priority Customers,
Nasabah Prioritas, nasabah dapat menyampaikan customers can convey directly through online webinar media
secara langsung dengan media online webinar mengenai their banking experiences with Bank Muamalat and provide
pengalaman ber-banking dengan Bank Muamalat, masukan input and constructive criticism from the product services,
maupun kritik membangun dari sisi produk layanan, maupun and human capital, which can be a start for improvement
SDM yang dapat menjadi awal untuk langkah perbaikan. steps.
SEGMEN USAHA KORPORASI DAN KOMERSIAL CORPORATE AND COMMERCIAL BUSINESS

SEGMENT
Segmen Korporasi dan Komersial adalah segmen nasabah The Corporate and Commercial segment is a customer
dengan omset usaha sebesar Rp50 miliar atau lebih per segment with an annual turnover of Rp50 billion or
tahun, baik yang dimiliki oleh pemerintah, yaitu Badan more, both owned by the Government, i.e., State-Owned
Usaha Milik Negara (BUMN) dan Badan Usaha Milik Daerah Enterprises (SOE) and Regional-Owned Enterprises (ROE),
(BUMD) maupun swasta. Hingga tahun 2022, produk-produk as well as private companies. As of 2022, 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
Product Description
Pembiayaan Modal Kerja dan Investasi
Financing Working capital and investment
Simpanan Deposito dan giro untuk keperluan investasi dan
Savings pengelolaan kas nasabah
Deposits and Current Account for investment purposes and
customer cash management
Ekspor/Impor Trade finance, forex line, dan hedging (lindung nilai)

Export/Import Trade finance, forex line, and hedging

Strategi Tahun 2022 2022 Strategy

Pada tahun 2022, Segmen Korporasi dan Komersial Bank In 2022, the Bank Muamalat Corporate and Commercial
Muamalat fokuskan pada akuisisi nasabah BUMN dan Segments will concentrate on SOE customers acquisition and
korporasi besar serta anak usaha dan jaringan bisnisnya. major enterprises, as well as their subsidiaries and business
Produk yang diberikan bervariasi, baik dalam bentuk networks. The services offered range from fundraising
produk pembiayaan modal kerja, pembiayaan investasi dan to working capital financing, investment financing, and
penghimpunan dana hingga layanan jasa seperti: fundraising to services such as:
1. Jasa layanan trade finance 1. Trade Finance Services
2. Jasa layanan cash management 2. Cash management Services
3. Jasa layanan treasury 3. Treasury Services
4. Jasa layanan sindikasi 4. Syndication services
Dalam akuisisi nasabah BUMN dan korporasi besar tersebut, The Bank is considering investment grade rating when
Bank mempertimbangkan peringkat investment grade, acquiring SOE and major corporate customers so that it may
sehingga bisa memberikan pertumbuhan bisnis dengan support company growth with more controllable risks. In
risiko yang lebih terjaga. Selain itu, jaringan bisnis dari addition, state-owned enterprises and major corporations'
BUMN dan Korporasi Besar dapat dijadikan sebagai target business networks might serve as targets for sustainable
pertumbuhan berkelanjutan. growth.
Kinerja Performance
Dengan kebijakan dan strategi operasional segmen Korporasi With the new operational policies and strategies for the
dan Komersial tahun 2022, kinerja di segmen tersebut Corporate and Commercial segments in 2022, performance
tumbuh positif. Pembiayaan tercatat sebesar Rp12,19 triliun in these segments grew positively. Financing was recorded at
atau tumbuh 6,18% (yoy) dari tahun sebelumnya sebesar Rp12.19 trillion, growing 6.18% (yoy) from the previous year
Rp11,48 triliun, dari sisi Dana Pihak Ketiga (DPK) tumbuh of Rp11.48 trillion. In terms of Third-Party Funds (DPK), they
Rp1,18 triliun atau 20,09% (yoy) tercatat dari sebelumnya grew by Rp1.18 trillion or 20.09% (yoy) from Rp5.88 trillion to
Rp5,88 triliun menjadi Rp7,07 triliun. Rp7.07 trillion.
Kinerja Segmen Usaha Korporasi dan Komersial Corporate and Commercial Business Segment
Pertumbuhan
Growth
Uraian/Description 2022 2021
Nominal Persentase
Volume Percentage
Pembiayaan
12.188 11.479 709 6,18%
Financing
Dana Pihak Ketiga
7.066 5.884 1.182 20,09%
Third-Party Fund

Pendapatan Margin
1.042 1.203 -161 -13,38%
Margin Income
Beban Margin
-513 -246 -267 108,54%
Margin Expense
Pendapatan berbasis Jasa
93,2 126 -32,8 -26,03%
Fee Based Income
47 59 -12 -20,34%
Pendapatan Bersih
-167 -75 -92 122,67%
Revenue

Profitabilitas Performance
Profitabilitas segmen usaha korporasi dan komersial hingga Profitability of the corporate and commercial business
Desember 2022, Pendapatan Margin tercatat sebesar Rp1,04 segments until December 2022, Margin Income was
triliun mengalami penurunan 13,38% (yoy) dari sebesar recorded at Rp1.04 trillion, a decrease of 13.38% (yoy) from
Rp1,20 triliun di akhir tahun 2021, sedangkan Beban Margin Rp1.20 trillion at the end of 2021, while Margin Expenses
tercatat sebesar Rp513 miliar mengalami peningkatan were recorded at Rp513 billion, an increase of 108.54% (yoy)
108,54% (yoy) atau sebesar Rp246 miliar di akhir tahun 2021. or Rp246 billion at the end of 2021.
Dari sisi Pendapatan berbasis Jasa tercatat sebesar Rp93,2 In terms of fee-based income, it was recorded at Rp93.2
miliar mengalami penurunan sebesar 26,03% dari tahun billion, a decrease of 26.03% from the previous year of Rp126
sebelumnya sebesar Rp126 miliar. Penurunan tertinggi pada billion. The largest decrease was in the Trade Fee financial
pos keuangan Trade Fee sebesar Rp15 miliar dan di ikuti pos post of Rp15 billion, followed by the Gain on Forex and
Gain on Forex & Securities sebesar Rp12 miliar. Sehingga atas Securities post of Rp12 billion. So that, for the reasons above,
hal tersebut di atas, laba sebelum pajak/profit before tax (PBT) profit before tax (PBT) for the corporate and commercial
segmen usaha korporasi dan komersial sampai dengan akhir business segment until the end of 2022 was negative by Rp.
tahun 2022 tercatat negatif sebesar Rp167 miliar meningkat 167 billion, an increase of Rp. 92 billion from the previous
sebesar Rp92 miliar dari tahun sebelumnya nagatif sebesar year's negative of Rp. 75 billion.
Rp75 miliar.

Untuk tahun 2023, segmen korporasi dan komersial Bank For 2023, the corporate and commercial segments of Bank
Muamalat masih akan melanjutkan fondasi di tahun 2022, Muamalat will still continue their foundation in 2022, i.e.,
yaitu fokus kepada nasabah BUMN dan korporasi besar focusing on SOE and large corporate customers and their
serta jaringan bisnisnya. Bank akan lebih menekankan pada business networks. The Bank will put more emphasis on
peningkatan rentabilitas segmen Korporasi dan Komersial increasing the profitability of the Corporate and Commercial
dengan penetrasi produk pada jaringan bisnis tersebut. segments through product penetration in these business
networks.
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 2022, produk dan layanan yang diberikan oleh segmen the 2022 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
Strategi Tahun 2022 Strategy for 2022

Strategi bisnis pendanaan tahun 2022 merupakan strategi The business funding strategy for 2022 was a balanced
pendanaan berimbang, yaitu dengan aktif melakukan funding strategy that includes actively marketing to increase
kegiatan pemasaran untuk meningkatkan variasi dan the variety and number of customers. The bank was also
jumlah nasabah. Bank juga melakukan reprofiling struktur reorganizing its funding structure, lowering funding costs

pendanaan, menekan biaya dana melalui pengembangan through the advancement of information technology,
teknologi informasi dan fokus kepada nasabah yang and focusing on customers who require cross-border
membutuhkan transaksi lintas perbatasan. transactions.
Untuk pembiayaan, dalam rangka meningkatkan aset For financing, in order to increase good financing assets,
pembiayaan yang baik, Bank memperbarui Target Market the Bank updated the Target Market and Risk Acceptance
and Risk Acceptance Criteria (TMRAC) 2022, pembiayaan Criteria (TMRAC) for 2022. Financing targets upper-middle-
menargetkan nasabah kelas menengah atas dengan risiko class customers with lower credit risk and higher facility
kredit yang lebih rendah dan memberikan batas fasilitas limits. In addition, the Bank focuses on fee-based income by
yang lebih tinggi. Bank juga fokus pada bisnis fee base improving the system to support the expansion of various
income dengan melakukan penyempurnaan sistem untuk transactions that can be facilitated in the coming year.
mendukung perluasan berbagai transaksi yang dapat
difasilitasi di tahun mendatang.
Kinerja Performance
Bank Muamalat Indonesia segmen Perbankan Internasional Bank Muamalat Indonesia for the International Banking
membukukan pembiayaan hingga akhir Desember 2022 segment recorded financing until the end of December
sebesar Rp635 miliar atau tumbuh 0,45% dari tahun 2022 of Rp635 billion, growing 0.45% from the previous
sebelumnya sebesar Rp632 miliar. Dari sisi Dana Pihak year of Rp632 billion. In terms of Third-Party Funds (DPK), it
Ketiga (DPK) turun 70,77%, menjadi Rp327 miliar dari posisi decreased 70.77%, to Rp327 billion, from the 2021 position of
tahun 2021 yang sebesar Rp1,12 triliun. Kondisi tersebut Rp1.12 trillion. This condition was caused by a predetermined
disebabkan oleh penawaran nisbah yang kompetitif. Adapun competitive ratio (nisbah). Meanwhile, there were 4,711
rekening nasabah dari segmen Perbankan Internasional customer accounts in the International Banking segment in
tercatat sebanyak 4.711 pada tahun 2022, meningkat 2022, an increase of 5.04% from the 2021 position of 4,485.
5,04% dari posisi tahun 2021 yang sebesar 4.485. Kenaikan The increase was due to the Bank's strategy through the
tersebut dikarenakan strategi Bank melalui Kantor Cabang Kuala Lumpur Branch Office, which focused on the target
Kuala Lumpur yang fokus pada target pasar di Bisnis market in the Money Services Business, i.e., corporate or
Layanan Uang (Money Services Business), yaitu nasabah yang individual customers who have businesses or cross-border
berentitas korporasi atau individu yang memiliki bisnis atau money transfers.
pengiriman uang lintas batas.
Kinerja Segmen Usaha Perbankan Internasional Performance of the International Banking Business
Segment
Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Pembiayaan
635 632 3 0,45%
Financing
Dana Pihak Ketiga
327 1.117 -790 -70,77%
Third Party Fund
Rekening Nasabah
4.711 4.485 226 5,04%
Customer Account

Pendapatan Margin Bersih - Pembiayaan
22 18 3 18,36%
NIM Financing
Beban Margin Bersih - Pendanaan
9 19 -10 -51,59%
NIM Funding
Pendapatan berbasis Jasa
23 25 -2 -6,98%
Fee-Based Income
Gain on Forex
11,6 14,5 -3 -20,28%
Gain on Forex
Net Profit
45 37 8 22,07%
Net Profit

Profitabilitas segmen usaha perbankan internasional hingga Until December 2022, the profitability of the international
Desember 2022, Pendapatan Margin Bersih - Pembiayaan banking business segment was recorded at Rp22 billion, an
tercatat sebesar Rp22 miliar mengalami peningkatan increase of 18.36% (yoy) from Rp18 billion at the end of 2021,
18,36%(yoy) sebesar Rp18 miliar di akhir tahun 2021, while NIM Funding was recorded at Rp9 billion, a decrease
sedangkan Beban Margin Bersih - Pendanaan tercatat of 51.59% (yoy) or equal to Rp19 billion at the end of 2021.
sebesar Rp9 miliar mengalami penurunan 51,59% (yoy) atau
sebesar Rp19 miliar di akhir tahun 2021.
Dari sisi Pendapatan berbasis Jasa tercatat sebesar Rp23 Fee-based income was recorded at Rp23 billion at the end of
miliar di akhir tahun 2022 menurun sebesar 6,98% atau 2022, a decrease of 6.98% or Rp25 billion from the previous
sebesar Rp25 miliar di tahun 2021. Penurunan tersebut year. This decrease was due to a Rp3 billion decrease in the
dari pos Gain on Forex sebesar Rp3 miliar dari sebelumnya Gain on Forex from Rp14.5 billion to Rp11.6 billion.
tercatat Rp14,5 miliar menjadi sebesar Rp11,6 miliar.

Rencana strategis tahun 2023 untuk Segmen Perbankan The International Banking Segment's strategic plan for
Internasional, antara lain memperluas portofolio produk dan 2023 includes expanding the portfolio of financing products
layanan pembiayaan untuk memenuhi kebutuhan nasabah and services to meet diverse customer needs, strategic
yang beragam, kemitraan strategis untuk meningkatkan partnerships to increase and support funding growth, and
dan mendukung pertumbuhan pendanaan serta lebih paying more attention. Furthermore, the emphasis is on
memberikan perhatian. Selain itu, fokus untuk memberikan offering cross-border payment solutions to the Indonesian
solusi pembayaran lintas batas kepada diaspora Indonesia diaspora as well as targeting potential corporate customers.
dan juga target nasabah korporat yang potensial.
SEGMEN TREASURY TREASURY SEGMENT

Hingga berakhirnya tahun buku 2022, produk dan layanan As of the end of the 2022 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 Aktivitas transaksi Money Market (Pasar Uang) di Bank Muamalat's money market transaction
Bank Muamalat dalam rangka baik pemenuhan activities in the context of both fulfilling and
likuiditas maupun optimalisasi likuiditas. optimizing liquidity. In these activities, the
Dalam aktivitas tersebut, treasury mencatatkan Treasury records income and expenses in the
pendapatan dan biaya berupa margin, bagi hasil, form of margin, profit sharing, athaya, and ujroh
athaya dan ujroh atas penempatan maupun for money market placements and loans.
pinjaman di pasar uang.
Di antara transaksinya sebagai berikut: The following are some of the transactions:
• Transaksi dengan Bank Indonesia: Operasi • Transactions with Bank Indonesia: open
pasar terbuka seperti SUKBI, SBIS, TD valas, market operations, such as SUKBI, SBIS,
PASBI dan standing facilities seperti FASBI dan TD foreign exchange, PASBI, and standing
FLISBI facilities, such as FASBI and FLISBI
• Pengelolaan RIM, PLN dan PLM • Management of RIM, PLN, and PLM
• Transaksi Antarbank: SIMA dan SIPA • Interbank Transactions: SIMA and SIPA
(Indonesia), DP2 (Deposito Pihak ke-2), dan (Indonesia), DP2 (2nd Party Deposits), and
Commodity Murabahah (Cabang Kuala Commodity Murabahah (Kuala Lumpur
Lumpur) Branch)

Produk
Uraian Description
Product
Foreign Exchange Aktivitas transaksi Foreign Exchange di Bank Foreign Exchange transaction activities at Bank
Muamalat dalam rangka memenuhi kebutuhan Muamalat in order to meet the needs of both
baik nasabah perorangan, nasabah korporasi individual customers, corporate customers and
dan antarbank untuk memperoleh fee-based interbanks to obtain fee-based income and also
income dan juga sebagai transaksi pemenuhan as a transaction to fulfill bank needs (Banking
kebutuhan bank (Banking Book). Mata uang yang Book). The currencies served are USD, MYR, SGD,
dilayani adalah USD, MYR, SGD, EUR, JPY, SAR, EUR, JPY, SAR, KWD, and MultiCurrency.
KWD dan MultiCurrency.
Produk Forex sebagai berikut: Forex Products as follows:

• Cash transaction: Today, Tom (tomorrow) dan • Cash transactions: Today, Tom (tomorrow) and
Spot Spot
• Hedging transaction: hedging sederhana • Hedging transactions: simple hedging
(forward/Al-Tahawwuth al-Basith) dan hedging (forward/ Al-Tahawwuth al-Basith) and
kompleks (Al- Tahawwuth al-Murakkab) complex hedging (AlTahawwuth al-Murakkab)
Selain itu, Bank juga melayani exotic currency Furthermore, the bank accepts exotic currencies
seperti Won Korea (KRW), Dinar Jordan (JOD), such as the Korean Won (KRW), Jordanian Dinar
dan Thailand Bath (THB) dan lain-lain. Nasabah (JOD), Thai Baht (THB), and others. Customers
juga dapat melakukan jual beli banknote ke Bank can also exchange banknotes for USD, SAR, and
Muamalat untuk mata uang USD, SAR, dan SGD. SGD at Bank Muamalat. The above transactions
Transaksi-transaksi di atas dapat dilakukan baik are available in both Indonesia and Malaysia at
di Indonesia maupun di cabang Kuala Lumpur, the Kuala Lumpur branch.
Malaysia.
Fixed income Aktivitas transaksi Sukuk di Bank Muamalat Sukuk transaction activities at Bank Muamalat
(sukuk) Indonesia dalam rangka memenuhi kebutuhan Indonesia to meet customer needs for sukuk
nasabah dalam berinvestasi sukuk dan investments as well as bank needs (banking
memenuhi kebutuhan bank (banking position) position) in IDR and USD currencies. Sukuk
untuk mata uang IDR dan USD. Sukuk yang that are transacted are sukuk issued by the
ditransaksikan adalah sukuk yang diterbitkan government and corporations. The Sukuk that
oleh pemerintah dan korporasi. Sukuk yang are actively traded are SR (Retail Sukuk), PBS
aktif ditransaksikan adalah SR (Sukuk Ritel), (Project-Based Sukuk) and Indois (Government
PBS (Project Based Sukuk) dan Indois (Sukuk Sukuk in USD currency).
pemerintah mata uang USD).
Transaksi dilakukan dengan nasabah individu, Transactions are carried out with individual,
korporasi dan antarbank. Adapun tujuan corporate and interbank customers. The
transaksi sukuk adalah untuk memperoleh purpose of the sukuk transaction is to obtain
fee-based income dan pendapatan margin/ujroh fee-based income and margin/ujroh income
atas kupon sukuk pada portofolio banking book. from the sukuk coupons in the banking book
Melanjutkan pada tahun-tahun sebelumnya, portfolio. Continuing from the previous years,
BMI sebagai mitra distribusi sukuk pemerintah, BMI as a government sukuk distribution partner
ikut berpartisipasi dalam penjualan sukuk yang participated in the sale of the sukuk issued this
diterbitkan tahun ini, yaitu SR016, SR017 dan year, i.e., SR016, SR017 and ST009.
ST009.
Strategi Tahun 2022 Strategy for 2022

Pada tahun 2022, Bank Muamalat mengimplementasikan Bank Muamalat would implement a number of strategies to
sejumlah strategi untuk mendorong kinerja segmen treasury. improve the performance of the Treasury segment in 2022.
Di antaranya adalah: Others include:
1. Melayani jual beli sukuk retail dan sukuk pemerintah 1. Serving the retail and government sukuk trade 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, hedging 2. Serving forex transactions both tod, tom, spot, hedging
dalam berbagai mata uang dan transaksi Bank-Note in various currencies, and Bank-Note transactions for
untuk mata uang USD, SGD, SAR, EUR, JPY. USD, SGD, SAR, EUR, and JPY.
3. Meningkatkan kerja sama cross selling dengan produk 3. Increase cross selling cooperation with other BMI bank
bank BMI lainnya, baik wholesale maupun ritel. products, both wholesale and retail.
4. Melakukan pembelian sukuk untuk portofolio trading 4. Purchasing sukuk for trading and banking portfolios that
maupun banking yang memberikan imbal hasil yang provide optimal returns.
optimal.

5. Mengoptimalkan cabang Kuala Lumpur dalam 5. Optimizing the Kuala Lumpur branch in providing foreign
memberikan layanan transaksi foreign exchange untuk exchange transaction services for customers in Kuala
nasabah di kuala-lumpur sendiri maupun nasabah yang Lumpur itself and customers affiliated to Indonesia.
terafiliasi ke Indonesia.
Kinerja Performance
Kinerja volume transaksi forex nasabah pada tahun 2022 Customer forex transaction volume in 2022 was USD1,007
sebesar USD1.007 juta, naik 135,56% dari posisi tahun 2021 million, an increase of 135.56% from the position in 2021,
yang sebesar USD743 juta. Pertumbuhan tersebut didorong which was USD743 million. This expansion was supported by
oleh kembalinya aktivitas perekonomian selepas pandemi the resumption of economic activity following the COVID-19
COVID-19 yang membuat kebutuhan mata uang asing, baik pandemic, which increased the demand for foreign currency
perorangan maupun korporasi juga kembali meningkat. among both individuals and corporations.
Kebutuhan tersebut tentunya didorong oleh aktivitas This requirement is certainly driven by trade activities
perdagangan untuk kebutuhan ekspor-impor maupun di for export-import needs as well as the service sector. The
bidang jasa. Hal yang sama terjadi pada volume transaksi same thing happened to the volume of customer sukuk
sukuk nasabah yang pada tahun 2022 tercatat sebesar transactions, which reached Rp300.9 billion in 2022, an
Rp300,9 miliar, meningkat 251,04% atau Rp181,1 miliar dari increase of 251.04%, or Rp181.1 billion from Rp119.9 billion
Rp119,9 miliar pada tahun 2021. Kenaikan volume sukuk in 2021. The increase in customer sukuk volume was due to
nasabah ini di sebabkan oleh sudah pulihnya minat investasi a recovery of customer interest in customer investment in
nasabah pada sukuk baik pasar IPO maupun di pasar sukuk both in the IPO and the secondary markets.
sekunder.
Kinerja Segmen Usaha Treasury Treasury Business Segment Performance

Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Volume Forex Nasabah (USD Juta) 1.007,20 742,99 24,21 135,56%
Customer Forex Volume (USD million)
Volume Sukuk Nasabah (Rp Miliar) 300,90 119,66 181,04 251,04%
Customer Sukuk Volume (Rp billion)
Fee-Based Income (FBI) forex turun sebesar Rp3 miliar atau Forex Fee-Based Income (FBI) decreased by Rp3 billion,
27,68% dari posisi tahun lalu yang sebesar Rp25 miliar, or 27.68%, from Rp25 billion last year to Rp22 billion this
sehingga menjadi Rp22 miliar. Penurunan dikarenakan year. The decrease was caused by a decrease in transaction
penurunan jumlah volume transaksi dan juga kompetisi di volume as well as competition among financial institutions.
lembaga keuangan.
Adapun FBI sukuk meningkat seiring dengan bertambahnya The Sukuk FBI increased in line with the increase in the
jumlah dan volume transaksi nasabah. Pada tahun 2022, FBI number and volume of customer transactions. Bank Sukuk
sukuk Bank meningkat sebesar 474,07%, menjadi Rp25,6 FBI increased by 474.07% in 2022, to Rp25.6 billion, from
miliar dari posisi tahun sebelumnya yang sebesar Rp5,4 Rp5.4 billion in the previous year. This is related to the
miliar. Hal ini lebih kepada aktivitas penjualan sukuk untuk activity of selling sukuk to manage liquidity.
pengelolaan likuiditas.
Margin income treasury pada tahun 2022 tercatat sebesar The treasury margin income in 2022 was Rp403 billion, an
Rp403 miliar, naik 19,94% dari posisi tahun 2021 yang increase of 19.94% from the position in 2021, which was
sebesar Rp336 miliar. Penurunan ini dalam lebih kepada Rp336 billion. This decrease was more for the purpose of
untuk menguatkan rasio likuiditas dan alat liquid, treasury strengthening the liquidity ratio and liquid tools, as Treasury
melakukan pembelian untuk portofolio banking book. made purchases for the banking book portfolio.

Kinerja Profitabilitas Treasury Treasury Profitability Performance

Pertumbuhan
Growth
Nominal Persentase
Volume Percentage
Pendapatan Margin 403 336 67 19,94%
Margin Income
Pendapatan Berbasis Forex 22 25 -3 -12,00%
Fee-Based Income Forex
Pendapatan Berbasis Sukuk 25,6 5,4 20 474,07%
Fee-Based Income Sukuk
Rencana Strategis Tahun 2023 Strategic Plan for 2023

Bank Muamalat telah menyiapkan kebijakan strategis tahun Bank Muamalat has prepared a Treasury Segment Strategic
2023 untuk Segmen Treasury. Di antaranya adalah: Policy for 2023. Among others are:
1. Memperluas jangkauan kepada nasabah korporasi 1. Expanding its reach to corporate customers for sukuk
untuk bertransaksi sukuk. transactions.
2. Pemasaran forex, baik cash maupun hedging yang sesuai 2. More intense forex marketing, both cash and hedging,
dengan prinsip syariah secara lebih intens. based on Sharia principles.
3. Memperluas transaksi bank-notes mata uang asing untuk 3. Expand foreign currency bank-note transactions to serve
melayani nasabah travel haji dan Umrah Hajj and Umrah travel customers.
4. Mengembangkan pasar uang antarbank untuk produk- 4. Developing the interbank money market for Sharia
produk syariah dalam tujuan pendalaman pasar products with the aim of deepening the Sharia financial
keuangan syariah melalui transaksi sertifikat pengelolaan market through interbank Sharia fund management
dana berdasarkan prinsip syariah antar bank (SiPA). certificate transactions (SiPA).
5. Memperkuat rasio PLM, alat likuid, RIM, RPIM dan rasio 5. Strengthen the ratios of PLM, liquid assets, RIM, RPIM,
lainnya dengan melakukan investasi yang optimal pada and other ratios by making optimal investments in
sukuk, reksa dana, dan produk pasar keuangan syariah sukuk, mutual funds, and other Sharia financial market
lainnya. products.

Tinjauan Kinerja Keuangan

Financial Performance Overview
Tinjauan kinerja keuangan PT Bank Muamalat Indonesia A review of the financial performance of PT Bank Muamalat
Tbk (“Bank Muamalat,” “BMI,” “Bank”) disusun berdasarkan Indonesia Tbk ("Bank Muamalat,” "The Bank") is prepared
Laporan Keuangan Bank yang disajikan sesuai dengan based on the Bank's Financial Statements presented in
Standar Akuntansi Keuangan (SAK) di Indonesia, yang accordance with Indonesian Financial Accounting Standards
termasuk Pernyataan Standar Akuntansi Keuangan (“PSAK”) (SAK), which includes Statements of Financial Accounting
yang berakhir pada tanggal 31 Desember 2022. Laporan Standards ("PSAK") ending December 31, 2022. The Financial
Keuangan diaudit oleh Kantor Akuntan Publik (KAP) Doli, Statements were audited by the Public Accounting Firm (KAP)
Bambang, Sulistiyanto, Dadang, & Ali (DBSD&A) dengan opini of Doli, Bambang, Sulistiyanto, Dadang, and Ali (DBSD&A)
(“Baik”). with a "Good" opinion.
ASET ASSETS
Hingga akhir tahun buku 2022, total aset Bank mencapai At the end of the 2022 fiscal year, the Bank’s total assets
Rp61,4 triliun. Dibandingkan dengan posisi tahun reached Rp61.4 trillion. Compared to the position in the
sebelumnya sebesar Rp58,9 triliun, terjadi kenaikan Rp2,5 previous year of Rp6.4 trillion, there was an increase of
triliun atau 4,18%. Pertumbuhan tersebut, antara lain Rp2.5 trillion, or 4.18%. This growth was partly driven by
didorong oleh peningkatan investasi pada surat berharga an increase in investment in securities, which increased by
yang meningkat sebesar 3,45% atau tercatat sebesar Rp27,9 3.45% or was recorded at Rp27.9 trillion at the end of 2022
triliun pada akhir tahun 2022 dari tahun sebelumnya sebesar from the previous year of Rp26.9 trillion.
Rp26,9 triliun.
Uraian 2022 2021 2020 Description

Aset Lancar 36.313 34.585 16.251 Current Assets
Kas 702 745 733 Cash
Giro dan Penempatan pada Current Account and
7.191 6.502 2.836
Bank Indonesia Placement at Bank Indonesia
Current Accounts with Other
Giro pada Bank Lain 521 398 493
Banks
Penempatan pada Bank Lain 43 4 4 Placement with Other Banks
Investasi pada Surat
27.855 26.936 12.185 Investment in Securities
Berharga
Aset Tidak Lancar 25.051 24.313 34.99 Non Current Assets
Piutang 6.698 7.703 12.905 Receivables
Piutang Murabahah 6.695 7.7 12.881 Muharabah Receivables
Piutang Istishna 1 2 18 Istishna Receivables
Piutang Ijarah 1 1 7 Ijarah Receivables
Pinjaman Qardh 865 689 898 Qardh Loans
Pembiayaan Mudharabah 564 526 620 Mudharabah Financing
Pembiayaan Musyarakah 10.695 9.122 14.478 Musyarakah Financing
Penyertaan Saham 408 408 408 Investment in Shares
Tagihan Akseptasi 46 127 126 Acceptance Receivables
Aset yang Diperoleh untuk
1 0,3 182 Assets Received for Ijarah
Ijarah
Cadangan Kerugian Allowance for Impairment
(690) -675 -596
Penurunan Nilai Losses


Aset Tetap 2.709 2.844 2.985 Fixed Assets
Aset Pajak Tangguhan 140 140 142 Differed Tax Assets
Aset Lain-lain-Neto 3.615 3.429 2.842 Other Assets-Net
Total Aset 61.364 58.899 51.241 Total Assets
Aset Lancar Current Assets

Hingga 31 Desember 2022, Bank mencatatkan aset lancar As of December 31, 2022, the Bank posted Rp36.3 trillion
sebesar Rp36,3 triliun, naik Rp1,7 triliun atau 5,03% dari for current assets, an increase of Rp1.7 trillion, or 5.03%,
periode yang sama tahun sebelumnya yang tercatat sebesar compared to the same period in the previous year, which
Rp34,6 triliun. Kenaikan aset lancar tersebut disebabkan was posted at Rp34.6 trillion. The increase in current assets
oleh meningkatnya investasi Bank pada surat berharga was due to an increase in the Bank's securities investment,
yang meningkat sebesar 3,45% atau tercatat sebesar Rp27,9 which increased by 3.45% or was recorded at Rp27.9 trillion
triliun pada akhir tahun 2022 dari tahun sebelumnya sebesar at the end of 2022 from Rp26.9 trillion in the previous year.
Rp26,9 triliun.
Aset Tidak Lancar Non-Current Assets

Bank memiliki aset tidak lancar pada tahun 2022 sebesar The Bank recorded non-current assets of Rp25.1 trillion in
Rp25,1 triliun, meningkat 2,99% dari tahun buku 2021 yang 2022, an increase of 2.99% from the 2021 financial year of
sebesar Rp24,3 triliun. Peningkatan tersebut didorong oleh Rp24.3 trillion. This increase was driven by an increase in the
bertambahnya portofolio piutang dan pembiayaan sebesar receivables and financing portfolio of 4.32%.
4,32%.
LIABILITAS LIABILITIES
Total liabilitas Bank Muamalat Indonesia sampai dengan Bank Muamalat Indonesia's total liabilities up to December
31 Desember 2022 sebesar Rp10,6 triliun, menurun Rp990 31, 2022, amounted to Rp10.6 trillion, a decrease of Rp990
miliar atau 8,57% dibandingkan dengan periode yang sama billion or 8.57% compared to the same period in the previous
tahun sebelumnya yang sebesar Rp11,6 triliun. Penurunan year, which amounted to Rp11.6 trillion. This decrease was
tersebut disebabkan oleh berkurangnya liabilitas jangka caused by a decrease in short-term liabilities of Rp1.4 trillion,
pendek sebesar Rp1,4 triliun atau 12,83% dari tahun 2021 or 12.83%, from Rp10.8 trillion in 2021 to Rp9.4 trillion at the
Rp10,8 triliun menjadi Rp9,4 triliun pada akhir tahun 2022. end of 2022.
Tabel Posisi Liabilitas Liabilities Position Table


Liabilitas Jangka Pendek 9.433 10.821 7.582 Short-term Liabilities
Liabilitas Segera 116 1.083 120 Immediate Payables
Bagi Hasil yang Belum
68 40 75 Undistributed Proft Sharing
Dibagikan
Simpanan 9.227 9.676 7.359 Deposits
Giro Wadiah 3.170 4.096 2.565 Wadiah Current Account
Tabungan Wadiah 6.057 5.581 4.794 Wadiah Savings Account
Utang Pajak 22 22 28 Tax Payable
Liabilitas Jangka Panjang 1.131 733,8 1.936 Long-term Liabilities
Estimated Liabilities for
Estimasi Liabilitas Imbalan Kerja 125 154 162
Employee Benefits
Liabilitas kepada Bank
- – 1.302 Liabilities to Bank Indonesia
Indonesia
Simpanan dari Bank Lain 59 79 87 Deposits on Other Banks
Liabilitas Akseptasi 14 25 25 Acceptance Payable
Pinjaman yang Diterima 500 100 100 Borrowing


Estimated Losses on
Estimasi Kerugian Komitmen
1 0,8 2 Commitments and
dan Kontinjensi
Contingencies
Liabilitas Lain-lain 431 375 258 Other Liabilities
Total Liabilitas 10.565 11.555 9.518 Total Liabilities
Liabilitas Jangka Pendek Short-Term Liabilities

Hingga berakhirnya tahun buku 2022, liabilitas jangka pendek Until the end of the 2022 financial year, the Bank's short-
Bank senilai Rp9,4 triliun, menurun sebesar Rp1,4 triliun atau term liabilities amounted to Rp9.4 trillion, a decrease of
12,83% dibandingkan tahun buku 2021 yang sebesar Rp10,8 Rp1.4 trillion or 12.83% compared to the 2021 financial
triliun. Perubahan pada liabilitas jangka pendek disebabkan year of Rp10.8 trillion. Changes in short-term liabilities were
oleh penurunan penghimpunan dana dengan akad wadiah caused by a decrease in raising funds with wadiah contracts
sebesar 4,64% dan pada liabilitas segera sebesar 88,59%. of 4.64% and in immediate payables of 88.59%.
Liabilitas Jangka Panjang Long-Term Liabilities

Bank mencatatkan liabilitas jangka panjang per 31 Desember The Bank recorded long-term liabilities as of December 31,
2022 sebesar Rp1,1 triliun, meningkat dari periode yang sama 2022, of Rp1.1 trillion, an increase from the same period in
tahun 2021 yang sebesar Rp0,4 triliun. Peningkatan tersebut 2021, which amounted to Rp0.4 trillion. This increase was
didorong oleh pos pinjaman yang diterima meningkat Rp400 driven by postal loans received, which increased by Rp400
miliar dari tahun 2021 sebesar Rp100 miliar, menjadi Rp500 billion from Rp100 billion in 2021 to Rp500 billion at the end
miliar pada akhir tahun 2022. of 2022.
Dana Syirkah Temporer Temporary Syirkah Funds

Bank mencatatkan dana syirkah temporer sebesar Rp45,6 As of December 31, 2022, the bank recorded Rp45.6 trillion
triliun hingga 31 Desember 2022, naik Rp2,2 triliun atau in temporary syirkah funds, an increase of Rp2.2 trillion, or
5,16% dari periode yang sama tahun sebelumnya yang 5.16%, from the same period in the previous year, which
tercatat sebesar Rp43,4 triliun. Kenaikan tersebut terutama was recorded at Rp43.4 trillion. This increase was primarily
ditunjang oleh penambahan dana Deposito Mudharabah di supported by Rp853 billion in additional Mudharabah
tahun 2022 sebesar Rp853 miliar, dari Rp25,6 triliun pada Deposit funds in 2022, from Rp25.6 trillion in 2021 to Rp26.5
tahun 2021 menjadi Rp26,5 triliun di tahun 2022. Selain itu, trillion in 2022. Furthermore, there was an increase in
terjadi peningkatan pada surat berharga yang diterbitkan securities issued amounting to Rp6.5 trillion, an increase of
yang sebesar Rp6,5 triliun, meningkat sebesar Rp2,0 triliun Rp2.0 trillion or 44.20% from the previous year, which was
atau 44,20% dari tahun sebelumnya, yaitu Rp4,5 triliun. Rp4.5 trillion.

Tabel Perkembangan Dana Syirkah Temporer Table of Development of Temporary Syirkah Funds

Giro Mudharabah 1.862 2.147 1.624 Mudharabah Current Account
Tabungan Mudharabah 10.710 11.038 10.235 Mudharabah Deposit
Deposito Mudharabah 26.501 25.648 23.946 Mudharabah Deposit
Surat Berharga yang Diterbitkan 6.525 4.525 1.952 Marketable Securities Issued
Total Dana Syirkah Temporer 45.597 43.358 37.757 Total temporary Syirkah Fund
Dana Pihak Ketiga Third-Party Funds

Dana pihak ketiga Bank Muamalat pada tahun buku 2022 Bank Muamalat's third-party funds amounted to Rp46.1
sebesar Rp46,1 triliun, turun 1,55% dari tahun buku 2021 trillion in the 2022 fiscal year, a decrease 1.55% from the
yang tercatat Rp46,9 triliun. Penurunan dana pihak ketiga previous year of Rp46.9 trillion. Third-party funds in the
dari sisi Giro yang menurun Rp285 miliar, namun dari sisi current account decreased by Rp285 million, while savings
tabungan dan deposito masing-masing tumbuh 0,55% dan and deposits increased by 0.55% and 1.84%, respectively.
1,84%. Bank terus melakukan peningkatan akuisisi dana dari The Bank continues to increase its acquisition of funds
nasabah ritel melalui program-program yang dilakukan oleh from retail customers through programs such as the bulk
Bank, di antaranya adalah program bulk acquisition yang acquisition program at educational, social, religious, and
dilakukan pada instansi pendidikan, sosial, keagamaan, dan health institutions.
kesehatan.
Ke depan, Bank Muamalat akan lebih fokus untuk Bank Muamalat plans to increase its acquisition of third-
meningkatkan akuisisi dana pihak ketiga dengan akad party funds with wadiah contracts in the future. This includes
wadiah. Termasuk, fokus pada produk CASA melalui focusing on CASA products through ongoing programs and
kelanjutan program-program yang telah dilakukan serta optimizing the entire network, including both office networks
mengoptimalkan seluruh jaringan yang dimiliki baik jaringan and digital channels.
kantor maupun digital channel.
Tabel Posisi Dana Pihak Ketiga Table of Third Party Fund Position

Giro 4.878 6.148 4.106 Current Account
Tabungan 16.122 16.033 14.543 Savings
Deposito 25.143 24.689 22.776 Deposits
Total Dana Pihak Ketiga 46.143 46.871 41.424 Total Third-Party Fund
Penyaluran Dana terhadap UMKM Distribution of Funds to MSMEs

Penyaluran dana kepada UMKM sampai dengan akhir The distribution of funds to MSMEs was recorded at Rp2.6
tahun 2022 tercatat sebesar Rp2,6 triliun atau mengalami trillion until the end of 2022, a decrease of 19.53% from
penurunan 19,53% dari tahun sebelumnya yang tercatat the previous year, which was recorded at Rp3.3 trillion.
Rp3,3 triliun. Kendati demikian, pembiayaan bermasalah Nonetheless, Non-Performing Financing (NPF) for MSMEs
atau Non Perfoming Financing (NPF) UMKM tercatat 0,14%, was recorded at 0.14%, lower than the national NPF for
lebih baik jika dibandingkan dengan pencapaian NPF MSMEs in national Sharia Banking, which was 4.74% as of
UMKM perbankan syariah nasional yang sebesar 4,74% November 2022. The ratio of MSMEs financing to total bank
per November 2022. Rasio pembiayaan UMKM terhadap financing distribution was 14.04% as of December 2022.
total penyaluran pembiayaan Bank sampai dengan akhir
Desember 2022 tercatat sebesar 14,04%.

EKUITAS EQUITY
Hingga akhir tahun buku 2022, ekuitas Bank mencapai The Bank's equity reached Rp5.2 trillion by the end of the
Rp5,2 triliun, naik Rp1,2 triliun atau 30,49% dibandingkan 2022 fiscal year, an increase of Rp1.2 trillion, or 30.49%, over
dengan posisi tahun 2021 yang sebesar Rp4,0 triliun. the position in 2021, which was Rp4.0 trillion. This change
Perubahan tersebut dikarenakan terdapat peningkatan oleh was caused by an increase in paid-up capital from the
penambahan modal disetor dari PMHEMTD VI sebesar Rp1,2 corporate action of Issuance of New Shares with Pre-emptive
triliun dan laba bersih tahun berjalan yang dihasilkan oleh Right (PMHMETD) VI of Rp1.2 trillion and Bank Muamalat's
Bank Muamalat selama tahun 2022. net profit for the fiscal year 2022.
Tabel Posisi Ekuitas Equity Position Table


Modal Ditempatkan dan Disetor
2.298 1.103 1.103 Issued and Fully Paid-up Capital
Penuh
Tambahan Modal Disetor –
1.571 1.579 1.579 Additional Paid-in Capital – Net
Bersih
Keuntungan Pengukuran
Profit Remeasurement of post-
Kembali Program Imbalan Pasti 82 78 70
employment benefits - After tax
– Setelah Pajak
Keuntungan (Kerugian) Belum Unrealized Gain (Loss) from
Direalisasi dari Perubahan Changes in Market Price of
-1 2 0
Harga Pasar Efek Tersedia Available-for-Sale Marketable
untuk Dijual Securities.
Surplus Revaluasi atas Aset Revaluation Surplus of Fixed
564 577 634
Tetap – Setelah Pajak Assets – After Tax
Saldo Laba 689 646 581 Retained Earnings
Total Ekuitas 5.202 3.986 3.967 Total Equity
KINERJA LABA RUGI INCOME STATEMENTS

Dalam situasi perekonomian yang masih menunjukkan In an economic situation that still shows uncertainty, the
ketidakpastian, Bank masih dapat mencatatkan Bank can still record positive performance growth. This is
pertumbuhan kinerja positif. Hal ini tercermin dari laba reflected in profit before tax in 2022 which was recorded
sebelum pajak pada tahun 2022 yang tercatat sebesar at Rp52.0 billion, growing 315.56% (yoy). This increase was
Rp52,0 miliar, tumbuh 315,56% (yoy). Peningkatan tersebut mainly driven by the realization of management's strategic
terutama didorong oleh realisasi kebijakan strategis policies in implementing low-cost fund acquisition, aggressive
manajemen dalam akuisisi low cost fund, aggressive fee based fee-based income, and efficient business processes and
income, dan efficient business process and organization. organization.
Tabel Laba Rugi Income Statements Table


Jumlah Pendapatan Bank
1.764 2.140 2.432 Total Bank Income as Mudharib
sebagai Mudharib
Third Parties Share on the
Hak Pihak Ketiga atas Bagi Hasil
-1.435 -1.387 -1.610 Returns of Temporary Syirkah
dana Syirkah Temporer
Funds
The Right of Bank’s Share in
Hak Bagi Hasil Milik Bank 330 753 822
Revenue Sharing
Pendapatan Operasional
1.098 583 575 Other Operational income
Lainnya
Beban Operasional -1.230 -1.326 -1.345 Operational Expenses
Pembalikan (Beban) Cadangan Reversal (Expenses) Allowance
Kerugian Penurunan Nilai Aset -130 -16 -64 for Impairment Losses on
Produktif dan Non Produktif Earning and Non-Earning Assets


Keuntungan Selisih Kurs 30 24 30 Gain on Foreign Exchange
Laba (Rugi) Usaha 98 19 16 Income (Loss) from Operations
Pendapatan (Beban) Non
-46 -7 -1 Non-Operating (Expense) - Net
Operasional-Neto
Laba (Rugi) Sebelum Pajak 52 13 15 Income (Loss) before Tax
Manfaat (Beban) Pajak -25 -4 -5 IncomeTax (Tax Expense)
Laba Bersih 27 9 10 Net Profit
Laba Komprehensif Tahun Comprehensive Income for the
27 20 30
Berjalan Current Year
Laba Tahun Berjalan per Saham Income for the Current Year per
0,53 0,87 0,98
(Rupiah) Share (Rupiah)
Pendapatan Usaha Operating Income

Pendapatan usaha Bank pada tahun buku yang berakhir The Bank's operating income for the fiscal year ending
pada 31 Desember 2022 sebesar Rp1,8 triliun, turun 17,54% December 31, 2022, was Rp1.8 trillion, a 17.54% decrease
jika dibandingkan dengan pendapatan tahun 2021 yang from revenue of Rp2.1 trillion in 2021. This condition
mencapai Rp2,1 triliun. Kondisi tersebut disebabkan oleh was caused by the sale of low quality assets which in turn
transaksi penjualan aset berkualitas rendah yang pada impacted the Bank's business.
gilirannya berdampak pada usaha Bank.
Bank berhasil membukukan dari sisi Pendapatan The Bank managed to book Rp1.1 trillion in Other Operating
Operasional Lainnya sebesar Rp1,1 triliun, naik signifikan Income, a significant increase of 88.07% from 2021 which
sebesar 88,07% dari tahun 2021 yang sebesar Rp514 miliar. amounted to Rp514 billion. The majority of the increase in
Peningkatan Pendapatan Operasional Lainnya mayoritas Other Operating Income was contributed by administrative
disumbang oleh pos pendapatan jasa administrasi maupun service income and other service income.
penadapatan jasa lainnya.
Beban Usaha Operating expenses

Beban bagi hasil dana syirkah temporer pada tahun 2022 In 2022, the profit-sharing expenses for temporary syirkah
tercatat mencapai Rp1,44 triliun. Dibandingkan dengan funds was recorded at Rp1.44 trillion. Compared to the
tahun sebelumnya yang sebesar Rp1,38 triliun, terjadi previous year, which was Rp1.38 trillion, there was a 4.37%
peningkatan Rp60 miliar atau 4,37%. Hal ini sesuai dengan increase of Rp60 billion. This is consistent with general market
kondisi pasar secara umum, yakni industri perbankan conditions, under which the banking industry has seen an
mengalami peningkatan bagi hasil akibat kenaikan BI7DRR increase in profit sharing as the BI7DRR has increased and
dan penguatan strategi operasi moneter Bank Indonesia. Bank Indonesia's monetary operations strategy has been
strengthened.
Dari sisi Beban Operasional Lainnya meningkat 0,46% Other operating expenses increased by 0.46%, rising from
atau tercatat dari Rp1,35 triliun pada tahun 2021 menjadi Rp1.35 trillion in 2021 to Rp1.36 trillion in 2022. This was
Rp1,36 triliun pada tahun 2022. Hal tersebut disebabkan because the allowance for impairment losses on earning
oleh peningkatan cadangan kerugian penurunan nilai aset and non-earning assets was increased from Rp16 billion in
produktif dan non produktif dari Rp16 miliar pada tahun 2021 to Rp130 billion in 2022. Bank Muamalat continues to
2021 menjadi Rp130 miliar pada tahun 2022. Bank secara implement strategic steps for efficient business processes
berkelanjutan melanjutkan langkah strategis efficient and organization.
business process and organization yang dilaksanakan oleh
Bank Muamalat.

Penghasilan Komprehensif Lain Other Comprehensive Income

Bank menutup tahun buku 2022 dengan laba komprehensif The Bank closed the fiscal year 2022 with a comprehensive
sebesar Rp26,7 miliar, meningkat sebesar 35,95% atau Rp7 income of Rp26.7 billion, an increase of 35.95% or Rp7
miliar dibandingkan tahun sebelumnya yang mencapai billion over the previous year's income of Rp19.6 billion. The
Rp19,6 miliar. Peningkatan tersebut diakibatkan oleh increase was caused by an increase in the value of unrealized
kenaikan nilai aset keuangan atas reksa dana tersedia dijual financial assets in available-for-sale mutual funds.
yang belum direalisasikan.
ARUS KAS CASH FLOW

Bank membukukan kas dan setara kas pada akhir tahun The Bank reported cash and cash equivalents of Rp8.4 trillion
buku 2022 sebesar Rp8,4 triliun, meningkat Rp809 triliun at the end of the fiscal year 2022, an increase of Rp809 billion
atau 10,57% dibandingkan tahun buku 2021 yang sebesar or 10.57% compared to the 2021 fiscal year of Rp7.6 trillion.
Rp7,6 triliun. Peningkatan ini disebabkan oleh pertumbuhan This increase was caused by an increase in Net Cash From
Kas Bersih Dari Aktivitas Pendanaan. Funding Activities.
Tabel Arus Kas Cash Flow Table


Cash Flow from Operating
Arus kas dari Aktivitas Operasi 1.112 17.888 1.075
Activities
Cash Flow from Investing
Arus Kas dari Aktivitas Investasi -2.604 -15.443 -225
Activities
Arus Kas dari Aktivitas Cash Flow from Financing
2.300 1.139 -433
Pendanaan Activities
Kenaikan/(Penurunan) kas dan Net Increase/(Decrease) in Cash
809 3.584 417
setara kas Bersih and Cash Equivalent
Cash and Cash Equivalent at the
Kas dan setara kas awal tahun 7.649 4.065 3.649
Beginning of the Year
Cash and Cash Equivalent at the
Kas dan setara kas akhir tahun 8.458 7.649 4.065
End of the Year
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Kas bersih dari aktivitas operasi pada tahun buku 2022 Net cash from operating activities was Rp1.1 trillion in the
tercatat Rp1,1 triliun, mengalami penurunan 93,78% atau 2022 fiscal year, a decrease of 93.78% or Rp16.8 trillion from
Rp16,8 triliun dibandingkan tahun buku 2021 sebesar Rp17,9 Rp17.9 trillion in 2021. The decrease was due to reduced
triliun. Penurunan tersebut disebabkan oleh berkurangnya operating assets and operating liabilities in 2022.
aset operasi dan liabilitas operasi pada tahun 2022.
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Kas bersih yang digunakan untuk aktivitas investasi hingga Net cash used in investing activities was negative Rp2.6
31 Desember 2022 adalah negatif Rp2,6 triliun. Hal tersebut trillion until December 31, 2022. This was driven by Financing
didorong oleh Penyaluran Pembiayaan dan perolehan Distribution and securities investment gains as cash flows
investasi pada surat berharga sebagai arus kas yang keluar from purchases of securities, both government-owned and
dari pembelian surat berharga, baik milik pemerintah corporate sukuk.
maupun sukuk korporasi.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Kas bersih yang digunakan untuk aktivitas pendanaan hingga Net cash used in financing activities until December 31,
31 Desember 2022 sebesar Rp2,3 triliun, meningkat 101,97% 2022, amounted to Rp2.3 trillion, a 101.97% increase over
dari tahun sebelumnya sebesar Rp1,1 triliun. Hal tersebut the previous year's figure of Rp1.1 trillion. The majority of
mayoritas disebabkan oleh penerbitan sukuk subordinasi this was due to the Bank's issuance of subordinated sukuk
yang dilakukan oleh Bank di tahun 2022. in 2022.

Kenaikan (Penurunan) Bersih Kas dan Setara Kas Net Increase (Decrease) in Cash and Cash
Equivalent
Hingga berakhirnya 31 Desember 2022, posisi kas dan The Bank's cash and cash equivalents position was Rp0.8
setara kas Bank tercatat meningkat sebesar Rp0,8 triliun. trillion as of December 31, 2022. The net increase in cash
Peningkatan bersih kas dan setara kas tersebut disebabkan and cash equivalents resulted from a greater increase in
oleh peningkatan pada akun arus kas dari aktivitas operasi cash flows from operating and financing activities than from
maupun pendanaan yang lebih besar dibandingkan dengan a decrease in cash flows from investing activities.
penurunan pada arus kas dari aktivitas investasi.
RASIO KINERJA PERFORMANCE RATIO

Selama 2022 Bank telah mengukur beberapa rasio kinerja Throughout 2022, the Bank measured several performance
sesuai dengan Surat Edaran Otoritas Jasa Keuangan ratios in accordance with the Financial Services Authority
No.10/SEOJK.03/2020 tentang Transparansi dan Publikasi Circular Letter No. 10/SEOJK.03/2020 regarding Transparency
Laporan Bank Umum Syariah dan Unit Usaha Syariah. and the Publication of Reports of Sharia Commercial Banks
Rasio yang tertera pada tabel d ibawah merupakan rasio and Sharia Business Units. The Bank's liquidity, solvency,
likuiditas, solvabilitas dan rentabilitas Bank. Rasio tersebut and profitability ratios are listed in the table below. This ratio
mengindikasikan keberhasilan dan kemampuan Bank dalam reflects the Bank's success and ability to generate profits
menghasilkan laba dengan menggunakan sumber daya yang using existing resources.
ada.
Secara umum, rasio kinerja utama Bank Muamalat di tahun In general, Bank Muamalat's performance ratios improved in
2022 mengalami peningkatan, seperti dibuktikan dengan 2022, as evidenced by improvements in several core financial
membaiknya beberapa rasio inti keuangan. Rasio Kewajiban ratios. The Minimum Capital Adequacy Ratio (CAR) increased
Penyediaan Modal Minimum (KPMM) mencapai 32,70%, to 32.70% from 23.76% in the previous year.
sementara tahun sebelumnya 23,76%.
Untuk rasio rentabilitas, Bank mencatatkan Return on Equity In terms of profitability, the Bank achieved Return on Equity
(ROE) sebesar 0,53%, meningkat jika dibandingkan tahun (ROE) of 0.53%, an increase from 0.20% in the previous year.
sebelumnya yang 0,20%. Kemudian, Return on Asset (ROA) Then, Return on Assets (ROA) at 0.09%, an increase from
sebesar 0,09%, meningkat jika dibandingkan periode yang 0.02% in the same period of the previous year. The Bank
sama tahun sebelumnya yang sebesar 0,02%. Bank juga also achieved efficiency, as reflected by the BOPO Ratio of
berhasil dalam melakukan efisiensi yang tercermin dari Rasio 96.62%, an improvement over the previous year's figure of
BOPO, yakni sebesar 96,62%, membaik jika dibandingkan 99.29% for the same period.
periode yang sama tahun sebelumnya yang sebesar 99,29%.
Rasio kualitas aset yang ditunjukkan melalui rasio Non- The asset quality ratio is represented by the realized Gross
Performing Financing (NPF) Gross yang terealisasi sebesar Non-Performing Financing (NPF) ratio of 2.78%, an increase
2,78%, mengalami peningkatan jika dibandingkan periode of 0.67% over the same period in the previous year. At
yang sama tahun sebelumnya yang 0,67%. Sementara the same time, net NPF was realized at 0.86%, an increase
NPF Nett terealisasi 0,86%, mengalami peningkatan jika compared to the same period in the previous year of 0.08%.
dibandingkan periode yang sama tahun sebelumnya sebesar
0,08%.

Tabel Rasio Kinerja Performance Ratio Table

(dalam %) (in %)

Kewajiban Penyediaan Modal Capital Adequacy Ratio
32,70 23,76 15,21
Minimum (KPMM) Requirement (CAR)
Aset Produktif Bermasalah dan Non-Performing Earning Assets
Aset Non Produktif Bermasalah and Non-Performing Non-
2,11 1,27 2,99
terhadap Total Aset Produktif Earning Assets to Total Earning
dan Aset Non Produktif Assets and Non-Earning Assets
Aset Produktif Bermasalah Non-Performing Earning Assets
2,15 1,34 3,30
terhadap Total Aset Produktif to Total Earning Assets
Cadangan Kerugian Penurunan Allowance for impairment in
Nilai (CKPN) Aset Keuangan 1,60 1,47 1,41 value of financial assets to
terhadap Aset Produktif Earning Assets
NPF Gross 2,78 0,67 4,81 NPF Gross
NPF Net 0,86 0,08 3,95 NPF Net
Return on Assets (ROA) 0,09 0,02 0,03 Return on Assets (ROA)
Return on Equity (ROE) 0,53 0,20 0,29 Return on Equity (ROE)
Net Imbalan (NI) 0,66 1,59 1,94 Net Income
Net Operating Margin (NOM) 0,20 0,04 0,04 Net Operating Margin (NOM)
Biaya Operasional terhadap
Operating Expenses to
Pendapatan Operasional 96,62 99,29 99,45
Operating Income (BOPO)
(BOPO)
Pembiayaan Bagi Hasil Profit Sharing Financing to Total
59,82 53,48 51,91
terhadap Total Pembiayaan Financing
Financing to Deposit Ratio (FDR) 40,63 38,33 69,84 Financing to Deposit Ratio (FDR)
RASIO KEPATUHAN COMPLIANCE RATIO

Sesuai Surat Edaran Otoritas Jasa Keuangan No.10/ In accordance with the Circular Letter of the Financial Services
SEOJK.032020 tentang Transparansi dan Publikasi Authority No. 10/SEOJK. 032020 regarding Transparency
Laporan Bank Umum Syariah dan Unit Usaha Syariah, and Publication of Reports of Sharia Commercial Banks
Rasio kepatuhan meliputi Perhitungan pelanggaran dan and Sharia Business Units, the compliance ratio includes
pelampauan BMPD, Perhitungan persentase GWM dalam the Calculation of Violation and Exceedance of maximum
rupiah dan GWM dalam valuta asing pada posisi laporan Limit for Disbursement of Funds (BMPD), the Calculation of
serta Perhitungan persentase PDN pada posisi laporan the percentage of Mandatory Minimum Reserves (GWM) in
sesuai dengan ketentuan peraturan Perundang-undangan rupiah and GWM in foreign exchange in the position of the
mengenai BMPK, GWM rupiah dan valas serta PDN bagi report, and the Calculation of percentage of the Net Open
Bank Umum Syariah. Position (PDN) in the position of the report in accordance
with the provisions of the laws and regulations regarding
BMPK, GWM in Rupiah and GWM in Foreign Exchange, and
PDN for Sharia Commercial Banks.

Tabel Rasio Kepatuhan 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 Non-related parties
Percentage of BMPD
Persentase Pelampauan BMPD
Exceedance
Pihak Terkait 0,00 0,00 0,00 Related Parties
Pihak Tidak Terkait 0,00 0,00 0,00 Non-related parties
GMW GMW
GWM Rupiah GWM in Rupiah
Harian 13,87 7,98 0,00 Daily
Rata-rata 7,50 3,00 3,24 Average
GWM Valuta Asing 1,84 1,15 1,13 GWM in Foreign Exchange
Posisi Devisa Neto (PDN) Overall Net Open Position
0,46 0,15 0,15
secara Keseluruhan (NOP)
KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES

Hingga berakhirnya tahun buku 2022, Bank memiliki The Bank has commitment receivables of Rp229.9 billion until
tagihan komitmen sebesar Rp229,9 miliar, menurun dari the end of the 2022 fiscal year, a decrease from the previous
tahun sebelumnya yang sebesar Rp860,2 miliar. Penurunan year's commitment receivables of Rp860.2 billion. This
tersebut terjadi pada posisi valuta asing yang akan diterima reduction occurred in foreign exchange positions received
dari transaksi spot dan forward. Kewajiban komitmen sampai from the spot and forward transactions. Commitment
dengan akhir tahun 2022 mencapai Rp804,9 miliar, menurun liabilities until the end of 2022 amounted to Rp804.9 billion,
dari tahun sebelumnya yang sebesar Rp868,1 miliar. a decrease from Rp868.1 billion the previous year. The
Penurunan kewajiban komitmen disebabkan oleh pos posisi ongoing spot and forward sales positions contributed to the
penjualan spot dan forward yang masih berjalan. decrease in commitments.
Sementara tagihan kontinjensi Bank sampai dengan Meanwhile, the Bank's contingent receivables up to December
31 Desember 2022 tercatat Rp47,4 miliar, mengalami 31, 2022, were recorded at Rp47.4 billion, an increase from
peningkatan dari pembukuan periode yang sama tahun the previous year of Rp45.6 billion. The increase was caused
sebelumnya, yakni Rp45,6 miliar. Peningkatan tersebut by income in progress. Meanwhile, contingent liabilities were
disebabkan oleh pendapatan dalam penyelesaian. recorded at Rp85.4 billion, an increase from Rp79.6 billion in
Sedangkan kewajiban kontinjensi tercatat Rp85,4 miliar, the previous year. This increase resulted from an increase in
meningkat dari tahun lalu yang Rp79,6 miliar. Peningkatan the volume of bank guarantees in 2022.
tersebut berasal dari volume garansi bank yang meningkat
pada tahun 2022.
Tabel Perkembangan Komitmen dan Kontinjensi Commitments and Contingencies Development Table
(Rp miliar) (Rp billion)

Tagihan Komitmen Commitment Receivable
Fasilitas Pembiayaan yang
- - - Unused Financing Facilities
Belum Ditarik
Forex positions to be received
Posisi valas yang akan diterima
230 860 1.582 from spot and forward
dari transaksi spot & forward
transactions


Kewajiban Komitmen 805 832 3,30 Commitment Liabilities
Fasilitas Pembiayaan kepada Unused Financing Facilities to
328 18 13
Nasabah yang Belum Ditarik Customers
Fasilitas Pembiayaan kepada Unused Financing Facilities for
- - -
Bank yang Belum Ditarik Banks
Irrevocable L/C yang Masih
120 17 60 Outstanding Irrevocable L/C
Berjalan
Posisi Penjualan Spot dan Outstanding Spot and Forward
357 832 1.663
Forward yang Masih Berjalan Sales Position
Tagihan Kontinjensi Contingent Receivables
Garansi yang Diterima - - - Guarantees Received
Pendapatan dalam
47 46 151 Income in Progress
Penyelesaian
Kewajiban Kontinjensi Contingent Liabilities
Garansi yang Diberikan 85 80 110 Warranty Issued
INFORMASI KINERJA KEUANGAN LAIN OTHER FINANCIAL PERFORMANCE INFORMATION
Kewajiban Penyediaan Modal Minimum (KPMM) Capital Adequacy Ratio (CAR)

Bank terus berupaya menjaga rasio KPMM agar sesuai The Bank continues to strive to maintain the Capital
dengan peraturan yang ditentukan oleh regulator. Upaya- Adequacy Ratio in accordance with the regulations. Efforts
upaya penguatan modal juga terus dilakukan guna menjaga are also being made to strengthen capital to maintain the
rasio KPMM. Pada tahun 2022, rasio KPMM tercatat sebesar Capital Adequacy Ratio. The CAR ratio was 32.70% in 2022,
32,70%, meningkat dari tahun sebelumnya yang 23,76%. an increase from 23.76% in the previous year. This increase
Kenaikan ini berasal dari penambahan modal inti maupun came from the addition of core and supplementary capital,
modal pelengkap, sehingga total modal menjadi Rp7,0 bringing total capital to Rp7.0 trillion. In the previous year,
triliun. Pada tahun sebelumnya tercatat Rp5,2 triliun. Rp5.2 trillion was recorded.
Tabel Kewajiban Penyediaan Modal Minimum Table of Capital Adequacy Requirements

(Rp miliar, kecuali disebutkan lain) (Rp billion, unless stated otherwise)

Modal Inti (Tier 1) 4.796 4.839 4.472 Core Capital (Tier 1)
Modal Inti Utama (CET 1) 4.796 4.839 4.472 Main Core Capital (CET 1)
Modal Inti Tambahan (AT 1) - – – Additional Core Capital (AT 1)
Modal Pelengkap (Tier 2) 2.176 347 334 Complementary Capital (Tier 2)
Total Modal 6.972 5.186 4.806 Total Capital
Aset Tertimbang Menurut
21.324 21.827 31.593 Risk Weighted Assets (RWA)
Risiko (ATMR)
Capital Adequacy Ratio (KPMM)
Rasio KPMM (Aktual) (%)
(Actual) (%)
Rasio CET 1 (%) 22,49 22,17 14,15 CET 1 Ratio
Rasio AT 1 (%) 0,00 0,00 0,00 AT 1 Ratio
Rasio Tier 1 (%) 22,49 22,17 14,15 Tier 1 Ratio
Tier 2 Ratio (highest is equal to
Rasio Tier 2 (≥ Tier 1) (%) 10,21 1,59 1,06
Tier 1)
Rasio Total KPMM (%) 32,70 23,76 15,21 KPMM Total Ratio (%)

Cadangan Kerugian Penurunan Nilai Allowance for Impairment Losses

Sebagai salah satu upaya mitigasi risiko di masa yang akan Bank Muamalat establishes an Allowance for Impairment
datang, Bank Muamalat membentuk Cadangan Kerugian Losses (CKPN) and an allowance for losses on the bank's
Penurunan Nilai (CKPN) dan penyisihan kerugian terhadap receivables and financing portfolio as part of its risk
portofolio piutang dan pembiayaan yang dimiliki oleh Bank. mitigation efforts for the future. The CKPN and allowance
Di tahun 2022, jumlah CKPN dan Penyisihan Kerugian yang for losses set by the Bank in 2022 are in accordance with
dibentuk oleh Bank telah sesuai dengan peraturan. regulations.
Tabel Perhitungan Cadangan Kerugian Penurunan Nilai Table of Calculation on Impairment Losses (CKPN) and
(CKPN) dan Penyisihan Kerugian Allowance for Losses
2022 2021
PPA Wajib Dibentuk PPA Wajib Dibentuk
Uraian CKPN PPA must be CKPN PPA must be
Description Established Established
Kolektif Umum Khusus Kolektif Umum Khusus
Individual Individual
Collective General Special Collective General Special
Penempatan pada
Bank Lain
- 0,42 5,64 0,42 - 0,59 4,01 0,42
Placements with Other
Banks
Tagihan Spot dan
Forward
- - 0,01 - - 0,77 - -
Spot and Forward
Claims
Surat Berharga yang
Dimiliki - - 81,30 - - 10,26 98,20 -
Securities
Tagihan Akseptasi
Acceptance - 73,06 0,16 71,38 - 64,35 0,26 93,57
Receivables
Piutang Murabahah
Murabahah 167,80 143,18 48,59 75,62 38,29 183,98 58,82 103,44
Receivables
Piutang Istishna’
- 0,02 0,01 - - 0,31 0,17 -
Istishna’ Receivables
Piutang Qardh
- 31,73 7,24 3,49 - 17,004 5,53 6,80
Qardh Receivables
Piutang Sewa
- 1,07 - 1,07 - 1,09 - 1,09
Lease Receivables
Pembiayaan
Mudharabah
- 7,02 5,61 0,46 - 9,12 5,25 0,77
Mudharabah
Financing
Pembiayaan
Musyarakah - 278,73 94,86 121,47 - 290,73 73,82 154,95
Musharaka Financing
Pembiayaan Lainnya
- - - - - - - -
Other Financing
Penyertaan
- 60,24 0,06 60,24 - 60,24 0,61 60,24
Investments
Komitmen dan
Kontinjensi
- - - - - - - -
Commitments and
Contingencies

Transaksi Spot dan Forward Spot and Forward Transactions

Transaksi spot dan forward yang dilakukan oleh Bank Spot and forward transactions conducted by Bank Muamalat
Muamalat adalah transaksi yang terkait dengan valuta are foreign exchange transactions at Sharia Banks (other
asing pada bank syariah (di luar jual beli bank notes) yang than the purchase and sale of bank notes) that can only be
hanya dapat dilakukan untuk kepentingan nasabah dan made for the benefit of customers and cannot be justified for
tidak dibenarkan untuk tujuan spekulatif. Bank melakukan speculative purposes. The Bank engages in Sharia hedging
transaksi lindung nilai syariah, baik transaksi lindung transactions, both simple Sharia hedging transactions ('Aqd
nilai syariah sederhana (‘Aqd al Tahawwuth al-Basith) yaitu al Tahawwuth al-Basith), that is, hedging transactions with a
transaksi lindung nilai dengan skema forward agreement forward agreement scheme followed by spot transactions at
yang diikuti dengan transaksi spot pada saat jatuh tempo. maturity.
Begitu juga dengan transaksi lindung nilai kompleks (‘Aqd Similarly, complex hedging transactions ('Aqd al Tahawwuth
al Tahawwuth al-Murakkab), yakni transaksi lindung nilai al-Murakkab), i.e., hedging transactions with a scheme
dengan skema berupa rangkaian transaksi spot dan forward consisting of a series of spot transactions and forward
agreement yang diikuti dengan transaksi spot pada saat jatuh agreements followed by spot transactions at maturity.
tempo.
Tabel Spot dan Foward Spot and Forward Table

Tagihan dan Liabilitas

Tujuan
Receivables and
Nilai Purpose
Liabilities
Transaksi Notional
Bukan Transaction
Notional
Value Hedging Tagihan Liabilitas
Hedging
Not Receivables Liabilities
Hedging
Terkait dengan Nilai Tukar 371 - 371 0,9 5,9 Related to Exchange Rates
Spot 164 - 164 0.7 0,3 Spot
Forward 208 - 208 0,2 5,6 Forward
Lainnya - - - - - Other
Lainnya - - - - - Other
Laporan Distribusi Bagi Hasil Profit Sharing Distribution Report

Di tahun 2022, bagi hasil yang didistribusikan oleh Bank The Bank's profit-sharing distribution increased by 4.37%
mengalami kenaikan sebesar 4,37%, dari Rp1,38 triliun in 2022, from Rp1.38 trillion to Rp1.44 trillion. This is more
menjadi Rp1,44. Hal tersebut lebih disebabkan oleh faktor due to external factors including an increase in profit sharing
eksternal diantaranya adanya peningkatan distribusi bagi distribution made by banks to adjust to current market
hasil yang dilakukan oleh bank untuk menyesuaikan dengan conditions.
kondisi pasar saat ini.
Laporan Sumber dan Peyaluran Dana Zakat Report on the Source and Distribution of Zakat
Funds
Bank menerima penyetoran zakat yang berasal dari pihak The bank accepts zakat deposits from internal and external
internal maupun eksternal, seperti nasabah maupun amil parties, including customers and other amil zakat. However,
zakat lainnya. Namun begitu, Bank tidak secara langsung the Bank does not directly manage zakat funds but distributes
menjalankan fungsi pengelolaan dana zakat, melainkan them through zakat management entities.
melakukan penyaluran dana zakat tersebut melalui entitas
pengelola zakat.
Pada tahun 2022, realisasi penerimaan dana zakat dari The actual receipt of zakat funds from both internal and
pihak internal maupun eksternal sebesar Rp7,3 miliar. Dana external parties in 2022 was Rp7.3 billion. The funds were
tersebut disalurkan seluruhnya melalui Lembaga Amil Zakat channeled entirely through the Lembaga Amil Zakat (Amil
dan Badan Amil Zakat masing-masing sebesar Rp2,5 miliar Zakat Institution) and Badan Amil Zakat (Amil Zakat Agency)
dan Rp4,5 miliar. in Rp2.5 billion and Rp4.5 billion, respectively.

Tabel Perkembangan Sumber dan Penyaluran Dana Table of Sources and Disbursement Development of
Zakat Zakat Funds

Saldo Awal Dana Zakat Beginning Balance of Zakat
- - -
Funds
Dana Zakat yang Berasal dari: Zakat Funds from:
Internal BUS 0,22 0,25 0,41 Internal BUS
Eksternal BUS 7,12 7,95 9,89 External BUS
Penyaluran Dana Zakat kepada Disbursement of Zakat to Zakat
Entitas Pengelola Zakat Management Organizations
Lembaga Amil Zakat 2,48 8,20 10,29 Lembaga Amil Zakat
Badan Amil Zakat 4,47 - - Badan Amil Zakat
Kenaikan (Penurunan) Dana Increase (Decrease) in Zakat
- - -
Zakat Funds
Saldo Akhir Dana Zakat - - - Ending Balance of Zakat Fund
Laporan Sumber dan Penggunaan Dana Kebajikan Report on the Source and Use of the Charity Funds
Bank Muamalat menerima dana kebajikan, baik berupa Bank Muamalat accepts charitable contributions, including
infaq, sedekah, denda, maupun penerimaan non-halal. infaq, alms, fines, and non-halal receipts. In 2022, policy
Tahun 2022, penerimaan dana kebijakan berasal dari funds were received from non-halal receipts of Rp1.2 billion
penerimaan non-halal yaitu sebesar Rp1,2 miliar dan denda and fines of Rp0.3 billion, totaling Rp1.60 billion in charity
sebesar Rp0,3 miliar sehingga total dana kebajikan sebesar funds. These funds were used for charitable purposes and
Rp1,60 miliar. Keselurahan dana tersebut digunakan untuk channeled through zakat, infaq, and shadaqah management
dana kebajikan berupa sumbangan yang disalurkan melalui institutions.
lembaga pengelola zakat, infaq, shadaqah.
Tabel Sumber dan Penggunaan Dana Kebajikan Table of Sources and Use of Charity Funds

Sources of Qardhul Hasan
Sumber Dana Kebajikan pada
- - - Funds at the Beginning of the
Awal Periode
Period
Receiving of Qardhul Hasan
Penerimaan Dana Kebajikan
Funds
Infak - - - Infaq
Sedekah - - - Sodaqoh
Pengembalian Dana Kebajikan Return of a Productive Qardhul
- - -
Produktif Hasan Funds
Denda 0,33 - - Penalty
Penerimaan Non Halal 1,28 0,64 0,36 Non-Halal fund
Lainnya - - - Other
Total Penerimaan 1,60 0,64 0,36 Total Qhardul Hasan Received
Penggunaan Dana Kebajikan Use of Benevolent Funds
Productive Qhardul Hassan
Dana Kebajikan Produktif - - -
Fund
Sumbangan 1,60 0,64 0,36 Donation
Penggunaan Lainnya untuk
- - - Other uses for Public Interest
kepentingan Umum
Total Penggunaan 1,60 0,64 0,36 Total Fund Allocated


Kenaikan (Penurunan) Sumber Increase (Decrease) in Sources
- - -
Dana Kebajikan of Qardhul Hasan funds
Sumber Dana Kebajikan pada Sources of Qardhul Hasan
- - -
Akhir Periode Funds at the End of the Period
KEMAMPUAN MEMBAYAR UTANG ABILITY TO PAY DEBT

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

Kemampuan Bank dalam membayar utang jangka pendek The Bank’s ability to pay short-term debt can be seen from
dapat dilihat dari rasio likuiditas, yang dapat diukur melalui the liquidity ratio, which can be measured through the
rasio pembiayaan terhadap dana pihak ketiga (FDR). ratio of financing to third-party funds (FDR). In 2022, Bank
Tahun 2022, FDR Bank Muamalat tercatat sebesar 40,63% Muamalat’s FDR was recorded at 40.63%, an increase from
meningkat dari tahun 2021 yang 38,33%. 2021, which was 38.33%.
Kemampuan Membayar Utang Jangka Panjang Ability to Pay Long-Term Debts

Bank Muamalat mengukur rasio solvabilitas dengan Bank Muamalat determines the solvency ratio by ensuring
memastikan kecukupan modal Bank agar dapat memenuhi the Bank’s capital adequacy in order to meet financing,
risiko pembiayaan, pasar dan operasional yang tercermin market, and operational risks, as reflected in the Capital
dari Rasio Kecukupan Modal atau Capital Adequacy Ratio Adequacy Ratio (CAR). CAR is the Capital-to-Risk-Weighted
(CAR). CAR adalah rasio modal terhadap aset tertimbang Asset ratio (RWA).
menurut risiko atau Risk-Weighted Assets (RWA).
Pada tahun 2022, CAR Bank Muamalat terus meningkat Bank Muamalat’s CAR continued rising to 32.70% in 2022, an
hingga mencapai 32,70%, sementara pada tahun sebelumnya increase from 23.70% in the previous year. This increase was
sebesar 23,76%. Peningkatan tersebut merupakan dampak a positive impact of the corporate action, which increased
positif dari aksi korporasi, sehingga meningkatkan total total capital by Rp1.8 trillion to Rp7.0 trillion from Rp5.2
modal sebesar Rp1,8 triliun, sehingga menjadi Rp7,0 triliun, trillion in the previous year. The Bank always keeps CAR
dari tahun sebelumnya yang tercatat Rp5,2 triliun. Bank provisions above the applicable rules and regulations.
senantiasa menjaga ketentuan CAR di atas ketentuan
peraturan yang berlaku.
Kolektibilitas Piutang Account Receivable Collectability

Pada tahun 2022, kolektibilitas piutang dan pembiayaan The collectibility of the Bank’s receivables and financing
yang dimiliki oleh Bank mengalami peningkatan. Hal tersebut increased in 2022. This was reflected in a decrease in non-
diindikasikan oleh penurunan pembiayaan bermasalah yang performing financing, which is defined as financing with
merupakan pembiayaan dengan kolektibilitas 3 (kurang collectability ratings of 3 (substandard), 4 (doubtful), and 5
lancar), 4 (diragukan), dan 5 (macet). Rasio pembiayaan (excellent) (loss). The gross non-performing financing (NPF-
bermasalah kotor (NPF-gross) tercatat sebesar 2,78%, gross) rate was 2.78%, up from 0.86% in the previous year.
meningkat dari tahun sebelumnya yang sebesar 0,86%.

Tabel Perkembangan Kolektibilitas Collectability Development Table


Total Pembiayaan Bermasalah – Total Non-performing Financing
521 120 1.390
Bukan Bank (Rp miliar) - Non-Bank (Rp billion)
Total Pembiayaan yang
Total Financing Disbursement
Diberikan (Gross)–Bukan Bank 18.748 17.967 28.929
(Gross) - Non-Bank (Rp billion)
(Rp miliar)
% Pembiayaan Bermasalah % of Non-performing Financing
2,78 0,67 4,81
(NPF-Bruto) (Gross-NPF)
% Pembiayaan Bermasalah % of Non-performing Financing
0,86 0,08 3,95
(NPF-Netto) (Net-NPF)
STRUKTUR MODAL CAPITAL STRUCTURE
Kebijakan Policy
Bank Muamalat memiliki kebijakan atas permodalan untuk Bank Muamalat has a capital policy in place to protect its
melindungi kemampuannya dalam mempertahankan ability to maintain business continuity, allowing the Bank to
kelangsungan usaha, sehingga Bank dapat tetap continue providing returns to shareholders while benefiting
memberikan imbal hasil bagi pemegang saham dan manfaat other stakeholders. Furthermore, in an effort to maintain
bagi pemangku kepentingan lainnya. Selain itu, sebagai an optimal capital structure to meet the regulator's liquidity
upaya mempertahankan struktur permodalan yang optimal requirements for the Bank, the capital policy is included in
untuk pemenuhan likuiditas Bank yang ditentukan oleh the Bank's Business Plan, which was created by the Board
regulator. Kebijakan permodalan merupakan bagian dari of Directors and approved by the Board of Commissioners.
Rencana Bisnis Bank yang disusun oleh Direksi dan disetujui
oleh Dewan Komisaris.
Rincian Struktur Modal Details of Capital Structure

Manajemen permodalan yang dilakukan oleh Bank Capital management at the Bank focuses on maintaining
difokuskan kepada pengelolaan struktur permodalan yang a sound capital structure to absorb risk, meet regulatory
sehat untuk menyerap risiko serta memenuhi ketentuan capital requirements, and support business growth. This
permodalan dari regulator, serta untuk mendukung effort was manifested in the addition of Pre-emptive Rights
pertumbuhan bisnis. Upaya tersebut diwujudkan dalam ("PMHMETD") and the issuance of subordinated sukuk.
upaya penambahan Hak Memesan Efek Terlebih Dahulu
(“PMHMETD”) dan penerbitan sukuk subrodinasi.
Tabel Perkembangan Struktur Modal Table of Capital Structure Development


Modal Dasar 5.600.000.000 5.600.000.000 4.400.000.000 Authorized Capital
Modal Ditempatkan dan Issued and Fully Paid-In
2.297.736.324 1.103.435.151 1.103.435.151
Disetor Penuh Capital
IKATAN MATERIAL UNTUK INVESTASI BARANG MATERIAL COMMITMENTS FOR CAPITAL GOODS
MODAL INVESTMENTS
Sepanjang tahun 2022, Bank tidak memiliki ikatan material Up to the end of 2022, the Bank had no material investment
untuk investasi barang modal. commitments related to capital expenditure.

REALISASI INVESTASI BARANG MODAL REALIZATION OF CAPITAL GOODS INVESTMENT

Hingga 31 Desember 2022, realisasi investasi barang modal The realization of the Bank's capital goods investment was
Bank sebesar Rp4,44 triliun. Dibandingkan dengan capaian Rp4.44 trillion as of December 31, 2022. This realization was
tahun 2021 yang sebesar Rp4,51 triliun, realisasi tersebut 1.55% lower than the Rp4.51 trillion achieved in 2021. The
lebih rendah sebesar 1,55%. Penurunan realisasi investasi decrease in the realization of investment in capital goods is
barang modal merupakan salah satu strategi bank untuk one of the Bank's strategies to optimize the goods owned by
bisa melakukan optimalisasi dari barang-barang yang dimiliki the Bank. Going forward, the Bank will continue to optimize
oleh Bank. Ke depannya Bank akan terus melanjutkan proses capital goods so that all of the Bank's activities become more
optimasi barang modal agar seluruh aktivitas yang dilakukan measurable and efficient. The following are the details of
oleh Bank menjadi lebih terukur dan efisien. Adapun rincian capital goods investment realization for the fiscal year:
realisasi investasi barang modal tahun buku adalah sebagai
berikut:
Tabel Realisasi Investasi Barang Modal Table of Realization of Capital Goods Investment
Nilai Investasi
Jenis Investasi Tujuan Investasi Objectives Type of Investment
Investment Value
Tanah Pelayanan Bank 1.896 Bank Service Land
Bangunan Pelayanan Bank 1.104 Building Bank Service
Kendaraan Akomodasi Aktivitas Operational Activities
53 Motor Vehicles
Bermotor Operasional Accomodation
Akomodasi Aktivitas Operational Activities Inventory
Inventaris Kantor 431
Operasional Accomodation
Akomodasi Aktivitas Operational Activities
Komputer 753 Computer
Operasional Accomodation
Improvement
Perbaikan Sarana
Pelayanan Bank 188 Bank Service of facilities and
dan Prasarana
infrastructure
Aset Sewa
Pembiayaan Akomodasi Aktivitas Operational Activities Motor vehicle
19
Kendaraan Operasional Accomodation finance lease assets
Bermotor
Total 4.445 Total
INFORMASI DAN FAKTA MATERIAL YANG TERJADI MATERIAL INFORMATION AND FACTS SUBSEQUENT
SETELAH YANGGAL LAPORAN AKUNTANSI TO THE DATE OF ACCOUNTANT REPORT
Tidak ada kejadian penting yang material dan relevan setelah No material and relevant significant events occurred after
tanggal 31 Desember 2022 sampai dengan tanggal Laporan December 31, 2022, to the date of the Independent Auditor’s
Auditor Independen yang perlu diungkapkan dalam laporan Report that required disclosure in this annual report.
tahunan ini.
PROSPEK USAHA BUSINESS PROSPECTS

Pertumbuhan ekonomi global pada tahun 2023 diperkirakan Global economic growth is expected to slow in 2023. Bank
melambat. Bahkan Bank Indonesia menurunkan proyeksi Indonesia even reduced its forecast for global economic
pertumbuhan ekonomi dunia tahun 2023 menjadi 2,3% dari growth in 2023 to 2.3% from 2.6% previously.
prakiraan sebelumnya sebesar 2,6%.
Tekanan yang terjadi pada perekonomian global akan The global economic pressure will have an impact on
berdampak bagi pertumbuhan ekonomi negara berkembang developing countries economic growth as they recover from
yang dalam pemulihan akibat dampak dari pandemi the effects of the COVID-19 pandemic that occurred in 2020.
COVID-19 yang terjadi pada tahun 2020. Selain perang Rusia Aside from the ongoing wars between Russia and Ukraine,
dan Ukraina yang belum berakhir, Indonesia juga akan Indonesia will enter a political year with the Presidential
memasuki tahun politik, yaitu menjelang Pemilihan Presiden Election and Legislative Elections, for which the process has
dan Pemilihan Legislatif yang prosesnya sudah dimulai sejak been underway since the beginning of 2023.
2023.

Tantangan lain yang dihadapi Bank adalah persaingan Another challenge the Bank faces is competition from
dengan Bank Umum Konvensional (BUK) maupun di antara conventional commercial banks (BUK) and Islamic
Bank Umum Syariah (BUS). Hingga tahun 2022, pangsa pasar commercial banks (BUS). Until 2022, the market share of
perbankan syariah di Indonesia baru mencapai 7,03 persen Sharia Banking in Indonesia was only 7.03%, with Sharia
dengan total pangsa pasar Bank Umum Syariah sebesar Commercial Banks accounting for 66.14% of the total Sharia
66,14% dari total industri perbankan syariah. banking industry.
Dengan memperhatikan perkembangan berbagai dinamika Taking into account changes in various economic dynamics
ekonomi serta implementasi strategi tahun 2022, Bank and the implementation of the 2022 strategy, the Bank
akan terus mendorong pertumbuhan bisnis yang sehat will promote sound business growth at a faster pace in
secara lebih cepat pada tahun 2023. Dengan asumsi bahwa 2023. Assuming that the Bank’s application for relaxation
Bank mendapatkan persetujuan permohonan kelonggaran of the Sharia RIM Current Account provisions is approved,
ketentuan Giro RIM Syariah, maka pertumbuhan bisnis akan business growth will be accelerated in order to meet the
dipercepat untuk mengejar ketertinggalan terhadap target target turnaround plan submitted to OJK. Therefore, the
turn around plan yang telah disampaikan kepada OJK. Oleh strategic theme of Bank Muamalat's 2023 Business Plan is
karena itu, tema strategis Rencana Bisnis Bank Muamalat "Sound Business Growth and Sustainable Profit". The theme
Tahun 2023 adalah “Pertumbuhan Bisnis yang Sehat dan is a pillar in the House of Strategy that will be the focus of
Profit yang Berkelanjutan”. Tema tersebut merupakan Pilar the Company to achieve goals for the next 1 to 5 years, and
dalam House of Strategy akan menjadi fokus untuk mencapai represents the Company's focus on accelerating healthy
goals 1 hingga 5 tahun ke depan, serta merepresentasikan business growth and increasing productivity amidst geo-
fokus pada percepatan pertumbuhan bisnis yang sehat political dynamics, both in Indonesia and in the world. The
dan juga peningkatan produktivitas ditengah dinamika Strategic Themes and Management Policies are outlined in
geo-politik yang terjadi di Indonesia maupun di kondisi geo- the form of 3 main aspects., namely:
politik Global. Tema Strategis dan Kebijakan Manajemen
tersebut dituangkan dalam bentuk 3 aspek utama.
1. Business Refocusing 1. Business Refocusing

Pada aspek strategi ini, Bank akan melakukan refocusing In this aspect of the strategy, the Bank will refocus on
pada nasabah Individu untuk meningkatkan current Individual customers to increase current account saving
account saving account (CASA) melalui transaksi dan account (CASA) through transactions and financing of
pembiayaan lebih dari 2 juta target customer base. more than 2 million target customer base. Optimizing
Mengomptimalkan kebun-kebun Enterprise dan Islamic Enterprise and Ecosystem farms as Entry gate
Islamic Ecosytem sebagai Entry gate untuk nasabah for individual customers, where there are 39 Institutions
individu, terdapat 39 Institusi dengan 20 institusi ber- with 20 institutions with payroll and more than 300
payroll dan lebih dari 300 AUM Muhammadiyah untuk Muhammadiyah AUM for potential Retail customers.
potensi nasabah retail. Memperluas kebun melalui Expanding the farms through fund raising and financing
penghimpunan dana dan pembiayaan kepada ASN dan to ASN and BUMN, public and/or private school
BUMN, komunitas Sekolah negeri dan/atau swasta, communities, pesantren, and universities with a strong
pesantren, serta universitas dengan penekanan kuat emphasis on Islamic principles, building a sharia-based
pada prinsip-prinsip Islam, membangun ekosistem hospital ecosystem and technology integrated with halal
rumah sakit berbasis syariah dan tekonologi yang products, and penetrating the hajj and umrah travel
terintegrasi produk halal, serta melakukan penetrasi ecosystem through licensed tour & travel agents.
kepada ekosistem perjalanan haji dan umrah melalui
agent tour & travel yang berlisensi.
Selain itu Bank Muamalat akan berupaya meningkatkan In addition, Bank Muamalat will strive to improve
layanan dan jasa melalui penambahan feature & solusi services through the addition of features & solutions for
untuk nasabah individual seperti produk cicil emas & individual customers such as gold installments & Hajj
solusi haji dan peningkatan layanan berbasis digital solutions and improving digital banking-based services,
banking, dalam rangka meningkat pembiayaan dan Fee- in order to increase financing and Fee-Based Income.
Based Income.
Bank akan mengakselerasi penyelesaian pembiayaan The Bank will accelerate the settlement of low quality
berkualitas rendah melalui Novasi, Cessie/Pengalihan financing through Novation, Cessie/Transfer of
Hak Tagih, Likuidasi, Subrogasi, Penggunaan Jasa Receivable Rights, Liquidation, Subrogation, Use of

Outsourcing, Skema Asset Settlement dan Penyelesaian Outsourcing Services, Asset Settlement Schemes and
melaui Pihak Ketiga dan mengoptimalkan pendapatan Settlement through Third Parties and optimize income
melalui recovery untuk menopang pencapaian target through recovery to support the achievement of the
keuangan Bank tahun 2023. Bank's financial targets in 2023.
2. Fixing The Fundamental 2. Fixing the Fundamentals

Bank akan meningkatkan kapasitas dan kapabilitas The Bank will increase the capacity and capability of
Sumber Daya Manusia dan Teknologi Informasi sesuai Human Resources and Information Technology in
dengan perkembangan tren perbankan saat ini, melalui accordance with the development of current banking
perbaikan mindset, capability, dan skill sumber daya trends, through improving the mindset, capability,
manusia, melakukan penyesuaian organisasi sesuai and skills of human resources, making organizational
kebutuhan bisnis, meningkatkan keandalan teknologi adjustments according to business needs, increasing the
informasi & layanan digital, memperbaiki Layanan reliability of information technology & digital services,
dan Bisnis Proses pembiayaan yang lebih streamline, improving services and a more streamlined financing
dan meningkatkan efesiensi dengan optimalisasi & Business Process, and increasing efficiency by optimizing
pelepasan Gedung Muamalat Tower kepada Badan & releasing the Muamalat Tower Building to the Hajj
Pengelola Keuangan Haji (BPKH) Financial Management Agency (BPKH).
3. Strengthen Enablers 3. Strengthen Enablers

Selain 2 aspek utama di atas, bank akan memperkuat In addition to the 2 main aspects above, the Bank will
enabler kinerja Bank melalui perbaikan Sinergi Enterprise strengthen its performance enablers through improving
dan Ritel untuk memperoleh kebun yang menghasilkan Enterprise and Retail Synergies to obtain producing and
dan berkualitas, mengimplementasikan konsep quality farms, implementing profit-based measurement
pengukuran berbasis profit untuk jaringan dan kantor concepts for networks and headquarters, increasing
pusat, meningkatkan produktivitas & profitabilitas productivity & profitability of distribution channels,
channel distribusi, melakukan kajian dan opportunity conducting studies and opportunities for non-organic
untuk strategy non organic, dan Unlocking Ecosystem haji strategies, and Unlocking the Hajj Ecosystem with BPKH.
Bersama BPKH.
PERBANDINGAN ANTARA TARGET DAN REALISASI COMPARISON OF TARGET AND REALIZATION AS

SERTA PROYEKSI 1 (SATU) TAHUN MENDATANG WELL AS NEXT YEAR PROJECTIONS
Target dan Realisasi Target and Realization

Bank telah menetapkan target keuangan yang akan dicapai The Bank has set financial targets to be achieved as stated
seperti tertuang dalam Rencana Bisnis Bank (RBB) tahun in the Bank Business Plan (RBB) for 2022. Despite uncertain
2022. Realisasinya di tengah kondisi ekonomi global dan global and domestic economic conditions, the Bank's assets
domestik yang menunjukkan ketidakpastian, aset Bank reached Rp61.4 trillion by the end of 2022, an increase of
hingga akhir tahun 2022 mencapai Rp61,4 triliun, meningkat 4.18% (yoy). It was 93.97% when compared to the target.
4,18% (yoy). Dibandingkan dengan target pencapaiannya
adalah 93,97%.
Realisasi penyaluran pembiayaan sebesar Rp18,8 triliun, The financing disbursement was realized at Rp18.8 trillion,
meningkat 4,33% (yoy), pencapaian terhadap target sebesar an increase of 4.33% (yoy), the target was met at 90.10%. The
90,10%. Penyaluran pembiayaan dilakukan dengan tetap financing disbursement is carried out with due observance
memperhatikan prinsip kehati-hatian, seperti ditandai of the principle of prudence, as indicated by well-maintained
dengan kualitas aset yang terjaga dengan baik yang asset quality as reflected in the NPF Gross and NPF Net
tercermin pada rasio NPF Gross dan NPF Nett, yaitu masing- ratios, which were 2.78% and 0.86%, respectively.
masing di level 2,78% dan 0,86%.
Penghimpunan Dana Pihak Ketiga (DPK) tercatat sebesar The collection of Third-Party Funds (DPK) was recorded at
Rp46,1 triliun. Dibandingkan tahun sebelumnya, terjadi Rp46.1 trillion. Compared to the previous year, there was a
penurunan 1,55%, dan pencapaiannya terhadap target decrease of 1.55%, and the achievement of the target was
sebesar 94,42%. Hal ini disebabkan oleh kebijakan Bank 94.42%. This is due to the Bank's policy of trying to carry
yang berupaya melakukan funding reprofiling, baik pada out funding re-profiling, both in the retail and wholesale

segmen retail maupun wholesale yang berfokus kepada segments, which focuses on increasing the CASA portion.
peningkatan porsi CASA. Kendati demikian, dari sisi tabungan Nevertheless, in terms of savings and deposits, they
dan deposito, masing-masing meningkat 0,55% dan 1,84% increased by 0.55% and 1.84%, respectively, compared to
dibandingkan tahun 2021. 2021.
Sepanjang tahun 2022, Bank dapat membukukan laba Throughout 2022, the Bank was able to record a profit before
sebelum pajak mencapai Rp52,0 miliar, tumbuh 315,55% tax of Rp52.0 billion, growing by 315.55% from 2021, which
dari tahun 2021 yang sebesar Rp12,5 miliar. Dibandingkan amounted to Rp12.5 billion. Compared to the target, the
target, pencapaiannya 104,00%. Peningkatan laba tersebut achievement was 104.00%. The increase in profit was driven
didorong oleh peningkatan pendapatan operasional yang by an increase in operating income, which grew by 5.27%
tumbuh sebesar 5,27% (yoy) atau mencapai 89,77% dari (yoy) or reached 89.77% of the target. Meanwhile, operating
target. Sementara beban operasional hanya tumbuh sebesar expenses only grew by 2.43% (yoy) or 97.07% compared to
2,43% (yoy) atau 97,07% dari bandingkan target. the target.
Tabel Perbandingan Target dan Realisasi Comparison of Target and Realization Table
Realisasi
Target Pencapaian
2022
Uraian 2022 Achievement Description
2022
2022 Projection (%)
Realization
Total Aset 65.301 61.364 93,97 Total Assets
Dana Pihak Ketiga 48.871 46.143 94,42 Third-Party Funds
Pembiayaan 20.891 18.822 90,10 Financing
Pendapatan Operasional 3.222 2.892 89,77 Operating Income
Beban Operasional 2.879 2.795 97,07 Operating Expenses
Laba (Rugi) Sebelum Pajak 50 52 104,00 Profit (Loss) Before Tax
Proyeksi Tahun 2023 2023 Projection

Bank Muamalat telah menyusun target untuk tahun buku Bank Muamalat has set targets for the fiscal year 2023, which
2023, seperti tertuang dalam Rencana Bisnis Bank (RBB). are detailed in the Bank Business Plan (RBB). This RBB has
Penyusunan RBB ini telah mempertimbangkan potensi been prepared by considering the external potential that
eksternal yang akan terjadi dan berpengaruh pada Bank, will occur and affect the Bank, as well as the Bank's ability to
serta kemampuan Bank dalam merealisasikan target realize the target. The details are shown in the table below.
tersebut. Rinciannya disampaikan dalam tabel di bawah ini.
Tabel Proyeksi, Realisasi, dan Perubahan Table of Projections, Realizations, and Changes
Realisasi
Target Perubahan
2022
Uraian 2023 Changes Description
2022
2023 Projection (%)
Realization
Total Aset 71.230 61.364 16,08 Total Assets
Dana Pihak Ketiga 55.656 46.143 20,62 Third-Party Funds
Pembiayaan 26.569 18.822 41,16 Financing
Pendapatan Operasional 3.451 2.892 19,32 Operating Income
Beban Operasional 3.336 2.795 19,38 Operating Expenses
Laba (Rugi) Sebelum Pajak 100 52 92,30 Profit (Loss) Before Tax

ASPEK PEMASARAN MARKETING ASPECT
Kebijakan Policy
Bank Muamalat Indonesia menyusun kebijakan pemasaran Bank Muamalat Indonesia formulates marketing policies
berdasarkan perkembangan industri perbankan dan based on developments in the banking industry and
kebutuhan nasabah, Bank berusaha menyelaraskan customer needs and always tries to align marketing policies
kebijakan pemasaran dengan posisi Bank yang merupakan with the Bank’s position as the first Sharia bank in Indonesia.
bank syariah pertama di Indonesia.
Kondisi tersebut menjadikan BMI memiliki posisi yang unik, These conditions make the BMI a unique position as well as a
sekaligus menjadi tantangan tersendiri khususnya bagi challenge, especially for business development. Meanwhile,
pengembangan bisnis. Sementara sebagai pionir, Bank as a pioneer, the Bank has played an important role in the
memiliki peran penting dalam kemajuan perbankan syariah progress of Sharia banking in Indonesia.
di Indonesia.
Dari sisi eksternal, Bank melihat perkembangan digitalisasi Externally, the Bank sees rapid development of digitalization
yang pesat dan tumbuhnya industri halal serta semakin and the growth of the halal industry, as well as increased
besar kesadaran masyarakat terhadap literasi keuangan public awareness of Sharia financial literacy. In order to
syariah. Dalam menghadapi digitalisasi tersebut, Bank deal with digitalization, the Bank has prepared a number of
telah mempersiapkan beragam strategi, antara lain strategies, including developing highly competitive products
mengembangkan produk berdaya saing tinggi menggunakan using digital systems, such as developing Digital Banking
sistem digital seperti mengembangkan layanan Digital services consisting of Muamalat DIN, Internet Banking,
Banking yang terdiri dari Muamalat DIN, Internet Banking dan and MADINA by adding features and services, as well as
MADINA melalui penambahan fitur dan layanan, termasuk establishing cooperation through strategic partnerships with
menjalin kerja sama melalui strategic partnership dengan third parties. In addition, the Bank also transformed its sales
pihak ketiga. Selain itu, Bank juga melakukan transformasi and distribution channels, as well as its branch services. Until
pada sales and distribution channel dan layanan cabang. now, the Bank has formed a Digital Banking division, which
Hingga saat ini, Bank telah membentuk divisi yang fokus focuses on accelerating the Bank’s digitalization. Cloning
terhadap akselerasi digitalisasi Bank yaitu divisi Digital the CMS system for Retail Banking, which will expand
Banking. Inisiatif yang telah berhasil dilaksanakan adalah transactional services for SME customers, is a successful
cloning CMS sistem untuk Retail Banking dimana hal tersebut initiative. The development of the DIN is also ongoing, with
akan memperluas transaksional bagi nasabah SME. registration for a portion of the pilgrimage already possible
Development DIN juga terus dilakukan dimana pendaftaran via mobile banking.
porsi haji sudah dapat dilakukan di mobile banking tersebut.
Strategi Strategy
Seiring dengan mulai meredanya kasus pandemi COVID-19 As the cases of the COVID-19 pandemic have started to trend
dan pulihnya kondisi perekonomian namum masih dibayangi down and economic conditions are recovering, there is still
ketidakpastian di tahun 2022, BMI melihat peluang yang uncertainty in 2022. BMI sees an opportunity that has a
memiliki porsi cukup besar untuk perbankan syariah. Hal itu, sizable portion for Sharia banking. This is especially seen in
terutama terlihat pada ekosistem ekonomi syariah seperti the Sharia economic ecosystem, such as in education, health,
sektor pendidikan, kesehatan, lembaga keuangan syariah, Sharia financial institutions, the halal industry, mosques, and
industri halal serta masjid dan lembaga ZISWAF. ZISWAF institutions.
Sebagai upaya untuk menarik lebih banyak nasabah baru, In order to attract more new customers, the Bank pays
Bank sangat memperhatikan materi pemasaran yang close attention to marketing materials related to digital
relevan dengan perkembangan digital dan perkembangan developments and the most recent Sharia economic
ekonomi syariah terkini. Mulai dari konten, experience, developments. Beginning with content, moving on to
story telling, dan kegiatan sharing. Bank juga merealisasikan experience, storytelling, and sharing activities. The Bank also
sejumlah kebijakan produk yang dapat menarik minat dan implements a number of product policies that can attract
membantu masyarakat, di antaranya muqosah margin dan interest and benefit the community, such as muqosah
kemudahan dalam membayar melalui relaksasi pembiayaan margins and ease of payment through financing relaxation
dan penerapan cicilan bertahap dengan tempo yang lebih and implementing gradual installments with longer
panjang, atau perubahan angsuran. maturities or changing installments.

BMI juga senantiasa menjalin komunikasi dengan nasabah BMI also constantly communicates with customers virtually
secara virtual untuk menginformasikan dan menjawab to inform and respond to their complaints. These activities
keluhan nasabah. Kegiatan tersebut dilakukan melalui are carried out through various information channels,
beragam saluran informasi, dari e-mail, website, media sosial, including e-mail, websites, social media, push notifications,
push notification, maupun pesan melalui aplikasi MDIN. and messages through the MDIN application.
Pangsa Pasar Market Share

Mengacu pada Statistik Perbankan Syariah Posisi November Referring to the Sharia Banking Statistics for November 2022
2022 yang dikeluarkan oleh OJK, terdapat 13 bank umum issued by the OJK, there were 13 Sharia Commercial Banks
syariah dan 20 unit usaha syariah. Dari 15 bank tersebut, and 20 Sharia Business Units. Of the 15 banks, Bank Muamalat
BMI menduduki posisi kedua dalam jumlah jaringan kantor occupies the second position in the number of office networks,
dengan 80 kantor pusat dan 129 kantor cabang pembantu. with 80 head offices and 129 sub-branch offices.
Sedangkan pangsa pasar jika dilihat dari sisi aset, pangsa BMI Meanwhile, when viewed from the asset side, Bank Muamalat’s
mencapai 8,33% dengan aset per Desember 2022 sebesar market share reached 8.33% with assets of Rp61.3 trillion as
Rp61,3 triliun. Sementara total aset UUS & BUS di Indonesia of December 2022. While the total assets of UUS & BUS in
mencapai Rp736,7 triliun posisi November 2022. Indonesia reached Rp736.7 trillion as of November 2022.
Dari sisi total pembiayaan yang disalurkan oleh bank syariah In terms of the total financing disbursed by Sharia Banks
secara nasional mencapai Rp318,6 triliun posisi November nationally reaching Rp318.6 trillion in November 2022, the
2022, kontribusi pembiayaan Bank Muamalat Indonesia contribution of Bank Muamalat Indonesia’s financing was
sebesar Rp18,8 triliun sehingga kontribusi BMI terhadap Rp18.8 trillion, so BMI’s contribution to national financing
pembiayaan nasional sebesar 5,91%. Sementara itu nilai was 5.91%. Meanwhile, the value of Bank Muamalat’s DPK
DPK Bank Muamalat yang tercatat sebesar Rp46,14 triliun, was recorded at Rp46.14 trillion, out of the total Sharia Bank’s
dari total DPK Bank Syariah yang mencapai Rp412,8 triliun DPK, which reached Rp412.8 trillion, or BIM’s contribution to
atau kontribusi BIM terhadap DPK nasional sebesar 11,18%. the national DPK of 11.18%.
DIVIDEN DIVIDEND
Kebijakan Policy
Mengacu peraturan perundang-undangan di Indonesia The decision to distribute dividends is determined by
dan Anggaran Dasar Bank, keputusan pembagian dividen Shareholder approval at the annual GMS, in accordance with
ditetapkan melalui persetujuan Pemegang Saham pada RUPS Indonesian laws and regulations and the Bank’s Articles of
tahunan. Pembahasan tersebut diawali oleh rekomendasi Association. The discussion is initiated by a recommendation
dari Direksi Bank dengan memperhatikan sejumlah faktor. from the Bank’s Board of Directors, which takes a number of
factors into account.
Faktor-faktor tersebut yaitu posisi keuangan Bank, tingkat These factors include the Bank’s financial position, soundness
kesehatan, posisi permodalan, target dan proyeksi level, capital position, future capital adequacy targets, and
kecukupan modal di masa depan, kepatuhan terhadap projections, compliance with applicable regulations, the
peraturan yang berlaku, rencana dan prospek usaha Bank Bank’s business plans and outlook, and other matters
di masa depan, dan hal-hal lain yang dipandang relevan oleh deemed relevant by the Bank’s Board of Directors.
Direksi Bank.
Namun demikian, tidak ada jaminan bahwa Bank akan However, there are no guarantees that the Bank will have the
memiliki kemampuan atau akan membayar dividen ability or will pay dividends or both in the future. Similarly,
atau keduanya pada masa yang akan datang. Demikian if determined by the regulator, the Bank may not distribute
pula apabila ditentukan oleh regulator, Bank dapat tidak dividends to BMI Shareholders, such as if the Bank requires
membagikan dividen kepada Pemegang Saham BMI, seperti funds to develop a business or meet capital adequacy
dalam hal Bank membutuhkan dana untuk melakukan requirements as determined by the regulator.
pengembangan usaha atau pemenuhan kecukupan modal
yang ditentukan oleh regulator.

Dengan demikian, Bank hanya akan membayar dividen As a result, the Bank will only pay dividends from net
dari laba bersih berdasarkan peraturan perundang- income in accordance with Indonesian laws and regulations.
undangan yang berlaku di Indonesia. Pembayaran dividen Dividend payments can be made in cash, in the form of
dapat dilakukan dalam bentuk pembayaran secara tunai, dividend shares, or a combination of the two.
penerbitan saham dividen atau kombinasi dari keduanya.
Anggaran Dasar Bank memperbolehkan distribusi laba tahun The Articles of Association of the Bank permit the distribution
berjalan Bank dalam bentuk pembagian dividen interim of the Bank’s profit for the year in the form of an interim
selama dividen interim tersebut tidak menyebabkan nilai dividend, provided that the interim dividend does not cause
aset bersih Bank menjadi lebih kecil dari modal ditempatkan the value of the Bank’s net assets to be less than the issued
dan disetor. Selain itu, Bank harus memperhatikan ketentuan and paid-up capital. Furthermore, the Bank must comply
mengenai penyisihan cadangan wajib sebagaimana yang with the provisions of the Limited Liability Company Law
disyaratkan dalam UU Perseroan Terbatas. requiring the provision of mandatory reserves.
Distribusi dividen interim tersebut akan ditetapkan The interim dividend will be distributed based on the
berdasarkan keputusan Direksi Bank setelah disetujui Dewan decision of the Bank’s Board of Directors, which has been
Komisaris. Jika pada akhir tahun keuangan Bank mengalami approved by the Board of Commissioners. If the Bank incurs
kerugian, distribusi dividen interim harus dikembalikan oleh a loss at the end of the fiscal year, the distribution of interim
para Pemegang Saham kepada Bank, dan Direksi Bersama dividends must be returned to the Bank, and the Board of
sama dengan Dewan Komisaris akan bertanggung jawab Directors, together with the Board of Commissioners, will be
secara tanggung-renteng dalam hal dividen interim tidak jointly and severally responsible if the interim dividend is not
dikembalikan ke Bank. returned to the Bank.
Dividen yang Dibagikan Dividend Distribution

Berdasarkan hasil keputusan RUPS 24 Juni 2022 Menyetujui According to the resolutions of the Annual General Meeting
laba bersih Perseroan untuk Tahun Buku 2021 setelah Pajak of Shareholders dated June 24, 2022, the shareholders
sebesar Rp8.927.050.660 (delapan miliar sembilan ratus agreed that the Bank’s net profit for the 2021 fiscal year
dua puluh tujuh juta lima puluh ribu enam ratus enam after tax amounted to IDR 8,927,050,660 (eight billion, nine
puluh Rupiah) seluruhnya dipergunakan untuk cadangan hundred twenty-seven million, fifty thousand, six hundred
Perseroan, sehingga tidak diadakan pembagian dividen atas and sixty Rupiah) and would be used entirely for company
laba bersih Perseroan Tahun Buku 2021. reserves, with no dividend distribution held on the Bank’s
net profit for the 2021 financial year.
KEPATUHAN PEMBAYARAN PAJAK TAX PAYMENT COMPLIANCE

Kontribusi Bank Muamalat Indonesia kepada negara, Bank Muamalat Indonesia’s contribution to the state is
diwujudkan melalui pemenuhan kewajiban Perusahaan manifested in the fulfillment of the Company’s obligations as
sebagai wajib pajak dan sebagai pemotong/pemungut pajak. a taxpayer and as a tax withholder/collector. Fulfillment of
Pemenuhan kewajiban membayar pajak Perusahaan pada the Company’s tax obligations in 2022 amounted to Rp21.56
tahun 2022 adalah sebesar Rp21,56 miliar atau menurun billion, a decrease of 2.19% from Rp22.05 billion in 2021.
2,19% dibandingkan dengan tahun 2021 yang tercatat
sebesar Rp22,05 miliar.
Tabel Kepatuhan Pembayaran Pajak Tax Payment Compliance Table

Uraian 2022 2021 Description

Pajak Penghasilan - - Income Tax
Pasal 4 (2) 11 12 Article 4 (2)
Pasal 21 8 5 Article 21
Pasal 23 0,30 0,14 Article 23
Pasal 26 0,07 0,09 Article 26
Pasal 29 0,08 2 Article 29
Pajak Pertambahan Nilai 2 2 Value Added Tax
Total 22 22 Total

PROGRAM KEPEMILIKAN SAHAM KARYAWAN DAN/ EMPLOYEE AND/OR MANAGEMENT SHARE

ATAU MANAJEMEN (ESOP/MSOP) OWNERSHIP PROGRAM (ESOP/ MSOP)
Hingga 31 Desember 2022, Bank tidak mengeluarkan Until December 31, 2022, the Bank did not issue an Employee
program Kepemilikan Saham oleh Karyawan dan/atau and/or Management Share Ownership Program (ESOP/
Manajemen (ESOP/MSOP). MSOP).
INFORMASI MATERIAL TERKAIT DENGAN MATERIAL INFORMATION RELATED TO INVESTMENT,

INVESTASI, EKSPANSI, DIVESTASI, AKUISISI, DAN EXPANSION, DIVESTMENT, ACQUISITION, AND
RESTRUKTURISASI RESTRUCTURING

Investasi Investment
Bank Muamalat Indonesia tidak melakukan kegiatan Bank Muamalat Indonesia did not make any investment
investasi di tahun 2022 sehingga informasi terkait tujuan, activities in 2022, so information regarding objectives,
nilai transaksi dan sumber dana kegiatan investasi tidak transaction values, and sources of funds for investment
disajikan oleh Bank Muamalat Indonesia. activities is not presented by Bank Muamalat Indonesia.
Ekspansi Expansion
Bank Muamalat Indonesia tidak melakukan kegiatan Bank Muamalat Indonesia did not make any expansion
ekspansi di tahun 2022 sehingga informasi terkait tujuan, activities in 2022, so information regarding objectives,
nilai transaksi dan sumber dana kegiatan ekspansi tidak transaction values, and sources of funds for expansion
disajikan oleh Bank Muamalat Indonesia. activities is not presented by Bank Muamalat Indonesia.
Divestasi Divestment
Bank Muamalat Indonesia tidak melakukan transaksi Bank Muamalat Indonesia did not make any material
kegiatan divestasi yang material di tahun 2022. divestment transactions in 2022.
Akuisisi Acquisition
Tahun 2022, Bank Muamalat Indonesia tidak melakukan Bank Muamalat Indonesia did not make any acquisition
kegiatan akuisisi sehingga informasi terkait tujuan, nilai in 2022, so information regarding objectives, transaction
transaksi dan sumber dana kegiatan akuisisi tidak disajikan values, and sources of funds foracquisition is not presented
by Bank Muamalat Indonesia.
Restrukturisasi Restructuring
Jumlah pembiayaan yang telah direstrukturisasi Bank The amount of financing restructured by the Bank as of
pada tanggal 31 Desember 2022 dan 2021 masing-masing December 31, 2022, and 2021 is Rp7.48 trillion and Rp7.36
adalah sebesar Rp7,48 triliun dan Rp7,36 triliun. Skema trillion, respectively. Restructuring schemes are typically
restrukturisasi umumnya dilakukan dengan perpanjangan implemented by extending receivable repayment periods
masa pelunasan piutang dan penjadwalan kembali and rescheduling overdue payments.
pembayaran yang tertunggak.
REALISASI PENGGUNAAN DANA HASIL PENAWARAN REALIZATION OF THE USE OF PROCEEDS FROM
UMUM PUBLIC OFFERINGS
Bank Muamalat telah merealisasikan penambahan modal Bank Muamalat has realized the capital increase by providing
dengan memberikan Hak Memesan Efek Terlebih Dahulu Pre-emptive Rights (PMHMETD) in 2021. These funds will be
(PMHMETD) pada tahun 2021, Dana tersebut digunakan used to strengthen the Bank's capital structure in the context
untuk memperkuat struktur permodalan Bank dalam rangka of Sharia financing activities, which are part of the Bank's
kegiatan pembiayaan syariah yang merupakan bagian dari main business activities, as well as other designations that
kegiatan usaha utama Bank serta peruntukan lainnya yang may help Bank Muamalat's business growth in 2022.
dapat mendukung pertumbuhan bisnis Bank Muamalat
pada tahun 2022.

TRANSAKSI MATERIAL YANG MENGANDUNG MATERIAL TRANSACTIONS WITH CONFLICTS

BENTURAN KEPENTINGAN DAN/ATAU TRANSAKSI OF INTEREST AND/OR TRANSACTIONS WITH
DENGAN PIHAK AGILIASI/BERELASI AFFILIATED/ RELATED PARTIES
Bank mendefinisikan transaksi dengan pihak-pihak berelasi The Bank defines transactions with related parties in
sesuai dengan PSAK No. 7 (Penyesuaian 2010) tentang accordance with PSAK No. 7 (Adjustment 2010) regarding
“Pengungkapan Pihak-pihak Berelasi.” "Related Party Disclosures.”
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. Directly or indirectly through one or more intermediaries:
lebih perantara, suatu pihak: (i) mengendalikan, atau (i) controls, or is controlled by, or is under joint control
dikendalikan oleh, atau berada di bawah pengendalian with, the Bank; (ii) has an interest in the Bank, which has
bersama, dengan Bank; (ii) memiliki kepentingan dalam a significant influence over the Bank; or (iii) has joint
Bank yang memberikan pengaruh signifikan atas Bank control over the Bank;
atau (iii) memiliki pengendalian bersama atas Bank;
2. Suatu pihak yang berada dalam kelompok usaha yang 2. A party in the same business sector as the Bank;
sama dengan Bank;
3. Suatu pihak adalah ventura bersama di mana Bank 3. A party is a joint venture in which the Bank is a venture;
sebagai venture;
4. Suatu pihak adalah anggota dari personel dari 4. A party is a member of the Bank's key management
manajemen kunci Bank; personnel;
5. Suatu pihak adalah anggota keluarga dekat dari individu 5. A party is a close family member of the individual
yang diuraikan dalam butir (1) atau (4); described in points (1) or (4);
6. Suatu pihak adalah entitas yang dikendalikan, 6. A party is an entity that is controlled, jointly controlled,
dikendalikan bersama atau dipengaruhi signifikan oleh or significantly influenced by or for a party that has
atau untuk pihak yang memiliki hak suara signifikan pada significant voting rights in several entities, directly or
beberapa entitas, langsung maupun tidak langsung, indirectly, i.e., individuals, as described in points (4) or
yaitu individu seperti diuraikan dalam butir (4) atau (5); (5); And
dan
7. Suatu pihak adalah suatu program imbalan pasca kerja 7. A party is a post-employment benefit plan for employee
untuk imbalan kerja dari Bank atau entitas yang terkait benefits from the Bank or an entity related to the Bank.
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 as follows: the Board of Commissioners, the
Direksi, dan karyawan kunci, pemegang saham, komisaris Board of Directors, and key employees, shareholders, and
PT Syarikat Takaful Indonesia, Pengurus utama Baitul Maal commissioners of PT Syarikat Takaful Indonesia, the Main
Muamalat dan Dana Pensiun Lembaga Keuangan Muamalat, Board of Baitul Maal Muamalat, the Financial Institution
PT Al Ijarah Indonesia Finance. Pension Fund Muamalat, and PT Al Ijarah Indonesia Finance.
Seluruh transaksi dan saldo yang material dengan pihak- All material transactions and balances with related parties are
pihak berelasi diungkapkan dalam catatan atas laporan 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 to 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
memperhatikan prinsip kehati-hatian, serta telah memenuhi due observance of the principle of prudence and compliance
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 should 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 Conflicts 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 praktik Transactions have also gone through adequate procedures
bisnis yang berlaku umum, antara lain dilakukan dengan and are in accordance with generally accepted business
memenuhi prinsip transaksi yang wajar (arm’s- length practices, among others carried out by complying with the
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 should 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 The following are some reference transactions in the Bank's
adalah sebagai berikut: financial statements:
1. Berdasarkan akta Perjanjian Penerbitan Sukuk 1. Based on the Sukuk Mudharabah Issuance Agreement
Mudharabah yang tercantum dalam akta Notaris Ashoya listed in the deed of Notarial Ashoya Ratam, S.H., M.Kn,
Ratam, S.H., M.Kn, No.9 tanggal 9 Maret 2022, Bank No.9 dated March 9, 2022, the Bank issued long-term
menerbitkan Sukuk Subordinasi Mudharabah jangka Subordinated Mudharabah Sukuk that were carried out
panjang yang dilakukan tanpa melalui penawaran umum without going through a public offering for a period of
dengan jangka waktu 10 tahun sejak tanggal penerbitan 10 years from the date of issuance in the amount of IDR
sejumlah Rp2.000.000.000 dengan Nisbah pemegang 2,000,000,000 with a pre-determined ratio (nisbah) of
sukuk sebesar 58,04%. 58.04% for sukuk holders.
Sukuk Mudharabah BMI Merupakan surat berharga Sukuk Mudharabah BMI Represents securities issued by
yang diterbitkan Bank dalam bentuk Sukuk Mudharabah the Bank to PT PPA in the form of Mudharabah Sukuk in
dengan jumlah pokok sebesar Rp2.440.856.000 kepada the amount of Rp2,440,856,000. The Bank's Mudharabah
PT PPA. Sukuk Mudharabah yang diterbitkan oleh Bank Sukuk are issued through a private placement
tidak melalui penawaran umum (public offering) tetapi mechanism rather than a public offering.
dilakukan dengan mekanisme penawaran terbatas
(private placement).
2. Bank telah berhasil direalisasikan penambahan modal 2. The Bank has succeeded in realizing additional paid-
disetor dengan melaksanakan transaksi hibah saham, in capital by carrying out share grant transactions,
penambahan Hak Memesan Efek Terlebih Dahulu adding Pre-emptive Rights (“PMHMETD”), and issuing
(“PMHMETD”), serta penerbitan sukuk subordinasi mudharabah subordinated sukuk of Rp2 trillion as
mudharabah sebesar Rp2 triliun sebagai penambahan additional Tier-2 capital.
modal pada Tier-2.
Melalui aksi korporasi tersebut, rasio kecukupan Through this corporate action, the Bank's Capital
modal (Capital Adequacy Ratio/CAR) Bank pada tahun Adequacy Ratio (CAR) in 2022 reached 32.70%, whereas
2022 mencapai 32,70%, sementara tahun sebelumnya the previous year it was 23.76%. The injection of funds
23,76%. Suntikan dana itu telah memperkuat struktur has strengthened the Bank's capital structure and
permodalan Bank sekaligus meningkatkan fasilitas untuk increased its facilities for business expansion.
ekspansi usaha.
PERUBAHAN PERATURAN PERUNDANG-UNDANGAN AMENDMENTS TO THE LAWS AND REGULATIONS

YANG BERPENGARUH TERHADAP BANK THAT AFFECT THE BANK
Berikut adalah perubahan peraturan perundang-undangan The following are changes to laws and regulations that
yang berpengaruh terhadap Bank beserta dampak affect the Bank, as well as the impact of these changes and
Perubahan dan Informasi penyesuaian yang dilakukan Bank information on adjustments made by Bank Muamalat to
Muamalat terhadap perubahan tersebut selama tahun buku these changes during the fiscal year 2022:
2022 adalah sebagai berikut:

Peraturan Pokok Peraturan Dampak bagi Bank

No
Regulation Principle Impact on the Bank
1 Undang-Undang No. UU PDP mengatur mengenai kriteria dan jenis Data Pribadi, pihak Ketentuan ini mewajibkan
27 Tahun 2022 tentang dalam UU PDP, hak-hak Subjek Data Pribadi, kewajiban-kewajiban Bank Muamalat menyesuaikan
Pelindungan Data Pribadi Pengendali Data Pribadi dan dasar pemrosesan Data Pribadi. proses kegiatan usaha Bank
(“UU PDP”) terkait dengan pemrosesan
data pribadi di antaranya pada
pengumpulan, penggunaan dan
perlindungan dan pemusnahan
data pribadi. Atas berlakunya
ketentuan tersebut, Bank
Muamalat secara bertahap
harus menyesuaikan sistem
dan infrastruktur teknologi
informasi yang dimiliki agar
proses kegiatan usaha Bank
Muamalat sesuai dengan
ketentuan UU PDP.
Law No. 27 of 2022 UU PDP regulates the criteria and types of Personal Data, insiders This provision obliges Bank
concerning the Protection UU PDP, the rights of Personal Data Subjects, the obligations of Muamalat to adjust the process
of Personal Data (UU PDP) the Personal Data Controller and the basis for processing Personal of Bank business activities
Data. related to the processing of
personal data, including the
collection, use, protection, and
destruction of personal data.
Due to the enactment of these
provisions, Bank Muamalat
should gradually adjust its
information technology systems
and infrastructure so that the
process of Bank Muamalat's
business activities complies with
the provisions of the UU PDP.
2 PBI No. 23/16/ PBI/2021 • Penambahan komponen perhitungan giro atas pemenuhan Ketentuan tersebut
PADG No. 23/27/ GWM sehingga menggunakan saldo Rekening Giro Rupiah Bank menghasruskan Bank Muamalat
PADG/2021 pada BI-RTGS dan Dana BI-FAST yang bersumber dari: melakukan penyesuaian
PBI No. 24/4/ PBI/2022 - sistem BI-RTGS untuk Rekening Giro Rupiah; dan perhitungan GWM sesuai
PAD G No. 24/3/ - sistem Bank Indonesia-Fast Payment untuk Dana BI-FAST. dengan ketentuan Bank
PADG/2022 • Mengubah ketentuan Pasal 3A dan Pasal 12A yang mengatur Indonesia.
P AD G No. 24/8/ bahwa pelonggaran atas kewajiban pemenuhan GWM dalam
PADG/2022 rupiah dapat diberikan kepada BUK, BUS, dan UUS atas
pemenuhan GWM dalam rupiah secara harian dan/atau secara
Giro Wajib Minimum rata-rata berdasarkan pertimbangan kebijakan makroprudensial
dalam Rupiah dan Valuta Bank Indonesia.
Asing bagi Bank Umum • Pengaturan mengenai pelonggaran atas kewajiban pemenuhan
Konvensional, Bank Umum GWM dalam rupiah untuk kebijakan makroprudensial
Syariah, dan Unit Usaha dilaksanakan sesuai dengan Peraturan Bank Indonesia tersendiri
Syariah mengenai insentif bagi bank yang memberikan penyediaan dana
untuk kegiatan ekonomi tertentu dan inklusif.
Menaikkan secara bertahap GWM Rupiah untuk BUS dan UUS
yang saat ini sebesar 3,0% dengan pemenuhan secara rata-rata
dan 0,5% secara harian menjadi sebagai berikut:
- Berlaku mulai 1 Maret 2022, GWM dinaikkan 0,5%, sehingga
menjadi 4,0% dengan pemenuhan seluruhnya secara rata-
rata. Bank yang memenuhi kewajiban GWM tersebut akan
mendapatkan pemberian (‘athaya) sebesar 1,5% terhadap
pemenuhan GWM, dengan bagian yang diperhitungkan untuk
mendapatkan pemberian (‘athaya) sebesar 3% dari DPK;
- Berlaku mulai 1 Juni 2022, GWM dinaikkan 0,5%, sehingga
menjadi 4,5% dengan pemenuhan seluruhnya secara rata-
rata. Bank yang memenuhi kewajiban GWM tersebut akan
mendapatkan pemberian (‘athaya) sebesar 3,5% dari DPK;
- Berlaku mulai 1 September 2022, GWM dinaikkan 0,5%,
sehingga menjadi 5% dengan pemenuhan seluruhnya secara
rata-rata. Bank yang memenuhi kewajiban GWM tersebut akan
mendapatkan pemberian (‘athaya) sebesar 4% dari DPK.
• Menyesuaikan ketentuan pemberian insentif GWM untuk
kebijakan makropudensial dari sebelumnya berupa kelonggaran
atas kewajiban pemenuhan GWM dalam rupiah yang wajib
dipenuhi secara harian menjadi kelonggaran atas kewajiban
pemenuhan GWM dalam rupiah yang wajib dipenuhi secara
harian dan/atau secara rata-rata. Pengaturan mengenai insentif
tersebut diatur dalam PBI tersendiri mengenai insentif bagi bank
yang memberikan penyediaan dana untuk kegiatan ekonomi
tertentu dan inklusif.


No
PBI No. 23/16/PBI/2021 • Additional components for calculating current accounts for These provisions require Bank
PADG No. 23/27/ Minimum Statutory Reserve (GWM) fulfillment are that they use Muamalat to make adjustments
PADG/2021 the Bank's Rupiah Demand Deposit Account balance at BI-RTGS to the GWM calculation in
PBI No. 24/4/PBI/2022 and BI-FAST Funds sourced from: accordance with Bank Indonesia
PAD G No. 24/3/PADG/2022 - the BI-RTGS system for Rupiah accounts; and regulations.
P AD G No. 24/8/ - Bank Indonesia Fast Payment System for BI-FAST Funds.
PADG/2022 • Changing the provisions of Article 3A and Article 12A, which
state that Conventional Commercial Banks (BUK), Sharia
Minimum Statutory Commercial Banks (BUS), and Sharia Business Unit (UUS) can be
Reserves in Rupiah and granted a relaxation of the obligation to fulfill GWM in Rupiah
Foreign Currency for on a daily and/or average basis based on Bank Indonesia's
Conventional Commercial macroprudential policy considerations.
Banks, Sharia Commercial Arrangements for easing the obligation to fulfill GWM in Rupiah
Banks, and Sharia Business for macroprudential policies are carried out in accordance with a
Units separate Bank Indonesia regulation on incentives for banks that
provide funds for specific and inclusive economic activities.
Increase the Rupiah GWM for BUS and UUS, which is currently
3.0% with an average fulfillment of 0.5% on a daily basis,
gradually to the following:
- Effective March 1, 2022, the GWM is increased by 0.5%, so that
it becomes 4.0% with an average fulfillment of all. Banks that
fulfill the GWM obligations will receive a grant ('athaya) of 1.5%
of GWM fulfillment, with the portion calculated to receive a
grant ('athaya) of 3% of DPK;
- Effective June 1, 2022, the GWM is increased by 0.5%, so that it
becomes 4.5% with an average full fulfillment of all. Banks that
fulfill the GWM obligations will receive a grant ('athaya) of 1.5%
of GWM fulfillment, with the portion calculated to receive a
grant ('athaya) of 3.5% of DPK;
- Effective September 1, 2022, the GWM is increased by 0.5%,
so that it becomes 5% with an average fulfillment of all. Banks
that fulfill the GWM obligations will receive a grant ('athaya) of
1.5% of GWM fulfillment, with the portion calculated to receive
a grant ('athaya) of 4% of DPK.
• Changing the provisions for providing GWM incentives for
macroprudential policies from leniency on the obligation to fulfill
GWM in Rupiah that must be met on a daily basis to leniency for
fulfilling the obligation to fulfill GWM in Rupiah that must be met
on a daily and/or average basis. Arrangements on the incentives
are regulated in a separate PBI regarding incentives for banks
that provide funds for specific and inclusive economic activities.
3 PBI No. 23/17/ PBI/2021 • Penambahan komponen perhitungan giro atas pemenuhan Ketentuan tersebut
PADG No.23/31/PADG/2021 kewajiban Giro RIM atau Giro RIM Syariah sehingga mengharuskan Bank Muamalat
PADG No.24/14/PADG/2022 menggunakan saldo Rekening Giro Rupiah Bank pada BI-RTGS melakukan penyesuaian
PBI No. 24/16/PBI/2022 dan Dana Bank Indonesia-Fast Payment yang bersumber dari: perhitungan RIM Syariah
- sistem BI-RTGS untuk Rekening Giro Rupiah; dan sesuai dengan ketentuan Bank
Rasio Intermediasi - sistem Bank Indonesia-Fast Payment untuk Dana Bank Indonesia.
Makro prudensial dan Indonesia-Fast Payment.
Penyangga Likuiditas Makro • Pelonggaran Target RIM atau Target RIM Syariah.
prudensial bagi Bank • Penyesuaian sumber data perhitungan RIM atau RIM Syariah,
Umum Ko n v e n s i o n a l, Giro RIM atau Giro RIM Syariah, dan PLM atau PLM Syariah.
Bank Umum Syariah, dan • Waktu Pemenuhan & Waktu Penghentian Pemenuhan RIM atau
Unit Usaha Syariah RIM Syariah dan/atau PLM atau PLM Syariah.
PBI No. 23/17/PBI/2021

PADG No. 23/31/
PADG/2021 • Additional components for calculating current account on These provisions require Bank
PADG No.24/14/PADG/2022 fulfilling RIM Current Account or RIM Syariah Current Account Muamalat to make adjustments
PBI No. 24/16/PBI/2022 obligations so that they use the Bank's Rupiah Current Account to the Sharia RIM calculation in
balance at BI-RTGS and Bank Indonesia-Fast Payment Funds accordance with Bank Indonesia
Macro-prudential sourced from: regulations.
Intermediation Ratio and - the BI-RTGS system for Rupiah Accounts; and
Macro-prudential Liquidity - Bank Indonesia-Fast Payment system for Bank Indonesia-Fast
Buffer for Conventional Payment Funds.
Commercial Banks, Sharia • Leniency of RIM Targets or Sharia RIM Targets.
Commercial Banks, and • Adjustment of RIM or Sharia RIM calculation data sources, RIM
Sharia Business Units. Current Accounts or Sharia RIM Current Accounts, and PLM or
Sharia PLM.
• Time of Fulfillment & Time of Dismissal of Fulfillment of RIM or
Sharia RIM and/or PLM or Sharia PLM.


No
4 • PBI No. 24/3/ PBI/2022 • Pelonggaran Target RIM Syariah. Ketentuan tersebut
• PADG No. 24/6/ • Pengecualian atas pemenuhan Target RIM atau Target RIM menghasruskan Bank Muamalat
PADG/2022 Syariah dan ketentuan Penyangga Likuiditas Makroprudensial melakukan kewajiban
(PLM) atau PLM Syariah. pelaporan RPIM Syariah
Rasio Pembiayaan Inklusif • Penyesuaian sumber data.
Makro prudensial bagi Bank • Penyempurnaan pengaturan mengenai waktu pemenuhan
Umum Ko n v e n s i o n a l, dan waktu penghentian pemenuhan RIM Syariah dan/atau
Bank Umum Syariah, dan PLM Syariah Pengaturan dikenakan atas Bank yang melakukan
Unit Usaha Syariah langkah strategis mendasar.
• Bank wajib melakukan pemenuhan RPIM untuk posisi setiap
akhir bulan Desember, pertama kali untuk posisi Desember
2022.
Target RPIM yang ditetapkan harus meningkat dibandingkan
RPIM Bank posisi akhir bulan Desember tahun sebelumnya.
• Bank Indonesia menetapkan kewajiban pemenuhan Giro RPIM
bagi Bank yang: Tidak memenuhi besaran kewajiban pemenuhan
RPIM dan Memiliki RPIM kurang dari 30% (tiga puluh persen).
Dilakukan untuk setiap hari kerja sejak bulan April sampai
dengan bulan Desember dan dikenakan kepada Bank sejak
pemenuhan RPIM posisi akhir bulan Desember 2024.
• PBI No. 24/3/PBI/2022 These provisions require Bank
• PAD G No. 24/6/ • Leniency of Sharia RIM Targets. Muamalat to carry out Sharia
PADG/2022 • Exceptions to fulfilling RIM Targets or Sharia RIM Targets and RPIM reporting obligations
Provisions for Macroprudential Liquidity Buffer (PLM) or Sharia
Macroprudential Inclusive PLM.
Financing Ratio for • Data source adjustment.
Conventional Commercial • Refinement of arrangements regarding the timing of fulfillment
Banks, Sharia Commercial and dismissal of Sharia RIM and/or Sharia PLM fulfillment,
Banks, and Sharia Business for which the regulations are imposed on banks that take
Units fundamental strategic steps.
• Banks are required to fulfill the RPIM for positions at the end of
December, the first time for positions in December 2022.
The RPIM target must be higher than the RPIM position of the
Bank at the end of December of the previous year.
• Bank Indonesia stipulates the obligation to fulfill RPIM Demand
Deposits for Banks that: do not fulfill the amount of RPIM
fulfillment obligations and have a RPIM of less than 30%
(thirty percent). Performed for every working day from April to
December and imposed to the Bank since the fulfillment of the
RPIM at the end of December 2024.
5 Peraturan Anggota Dewan • Besaran nominal Transaksi QRIS yang sebelumnya diatur Bank Muamalat melakukan
Gubernur Nomor 24/1/ sebesar Rp5.000.000,00 (lima juta Rupiah) disesuaikan menjadi penyesuaian terhadap besaran
PADG/2 0 2 2 tentang paling banyak sebesar Rp10.000.000,00 (sepuluh juta Rupiah) per nominal transaksi QR
Perubahan Kedua atas transaksi.
Peraturan Anggota Dewan • Penerbit dapat menetapkan batas nominal kumulatif harian dan/
Gubernur Nomor 21/18/ atau bulanan atas Transaksi QRIS yang dilakukan oleh masing-
PADG/2019 tentang masing Pengguna QRIS dengan mempertimbangkan manajemen
implementasi Standar risiko Penerbit dan ketentuan peraturan perundang-undangan.
Nasional Quick Response
Code untuk Pembayaran
• The nominal amount of a QRIS transaction, which was previously
Regulation of Members of set at Rp5,000,000 (five million Rupiah), has been adjusted to a Bank Muamalat makes
the Board of Governors maximum of Rp10,000,000 (ten million Rupiah) per transaction. adjustments to the nominal
No. 24/1/PADG/2 0 2 2 • Issuers may set daily and/or monthly cumulative nominal amount of QR transactions
concerning the Second limits for QRIS transactions conducted by each QRIS user
Amendment to Regulation by considering the issuer's risk management and statutory
of Members of the Board provisions.
of Governors No. 21/18/
PADG/2019 concerning
Implementation of Quick
Response Code National
Standards for Payment


No
6 • PBI No. 24/5/PBI/2022 • Penyediaan dana oleh Bank untuk kegiatan ekonomi tertentu Bank Muamalat harus
• PADG No. 24/4/PADG/2022 dan inklusif memperhatikan kegiatan
• PADG No.24/12/PADG/2022 • Data yang digunakan sebagai dasar pemberian insentif ekonomi yang dapat diberikan
bersumber dari laporan bank umum terintegrasi. Khusus untuk insentif.
Insentif Bagi Bank yang pemberian insentif tahun 2022, data bersumber dari: laporan
Memberikan Penyediaan bulanan bank umum; laporan stabilitas moneter dan sistem
Dana Untuk Kegiatan keuangan bulanan bank umum syariah dan unit usaha syariah;
Ekonomi Tertentu dan dan/atau c. laporan bank umum terintegrasi.
Inklusif • Bank Indonesia melakukan evaluasi atas kebijakan pemberian
insentif bagi Bank yang memberikan penyediaan dana untuk
kegiatan ekonomi tertentu dan inklusif paling sedikit 1 (satu) kali
dalam setahun.
• Jangka waktu pemberian insentif berlaku sejak tanggal 1 Maret
2022 sampai dengan tanggal 31 Desember 2024.
• Pemberian Kredit atau Pembiayaan kepada sektor prioritas
meliputi Kredit atau Pembiayaan kepada kelompok sektor
prioritas
Besaran insentif berupa pelonggaran atas kewajiban GWM
dalam rupiah yang wajib secara rata-rata ditetapkan paling tinggi
• PBI No. 24/5/PBI/2022 sebesar 2% (dua persen).
• PADG No. 24/4/PADG/2022 Bank Muamalat must focus on
• PADG No.24/12/PADG/2022 • Provision of funds by the Bank for certain and inclusive economic economic activities for which it
activities can provide incentives
Incentives for Banks • The data used as the basis for providing incentives comes from
Providing Provision of integrated commercial bank reports. Specifically for the provision
Funds for Certain and of incentives in 2022, data is sourced from: monthly reports of
Inclusive Economic commercial banks; monthly reports on monetary stability and
Activities the financial system of sharia commercial banks and sharia
business units; and/or c. integrated commercial bank reports.
• Bank Indonesia evaluates the policy of providing incentives for
Banks that provide funds for certain and inclusive economic
activities at least 1 (once) a year.
The incentive period is valid from March 1, 2022, to December
31, 2024.
• Provision of loan or financing to priority sectors includes loan or
financing for priority sector groups.
• The amount of incentives in the form of leniency for the
obligatory Minimum Statutory Reserve (GWM) obligations in
rupiah is set on average at a maximum of 2% (two percent).
7 Peraturan Otoritas Jasa • PUJK wajib melaksanakan kegiatan untuk meningkatkan literasi Bank Muamalat wajib
Keuangan Republik keuangan kepada konsumen dan/atau masyarakat. menyesuaikan materi
Indonesia No. 6/ POJK.07/2022 • PUJK wajib mencantumkan dan/atau menyebutkan dalam setiap penawaran, ringkasan informasi
tentang perlindungan penawaran, ringkasan informasi produk dan/atau layanan, produk dan/atau layanan,
Konsumen dan Masyarakat promosi, atau iklan produk dan/atau layanan: promosi, atau iklan produk
di Sektor Jasa Keuangan. 1.Nama dan/atau logo PUJK; dan dan/atau layanan Bank sesuai
2.Pernyataan bahwa PUJK berizin dan diawasi oleh Otoritas Jasa dengan POJK dimaksud
Keuangan
adapun Logo Otoritas Jasa Keuangan tidak dicantumkan dalam
pernyataan.
• PUJK wajib memiliki fungsi atau unit untuk pelaksanaan
ketentuan Perlindungan Konsumen dan Masyarakat.
Regulation of the Financial
Services Authority of the • PUJK is required to carry out activities to increase financial Bank Muamalat is required
Republic of Indonesia No. literacy among consumers and/or the public. to adjust the offer materials,
6/POJK.07/2022, concerning • PUJK is required to include and/or mention in each offer a product and/or service
Protection of Consumers summary of product and/or service information, promotions, or information summaries,
and Communities in the advertisements for products and/or services: promotions, or advertisements
Financial Services Sector. 1.PUJK name and/or logo; and of Bank products and/or
2.Statement that PUJK is licensed and supervised by the services in accordance with the
Financial Services Authority POJK regulation.
the logo of the Financial Services Authority is not included in the
statement.
• PUJK is required to have a function or unit to implement
Consumer and Community Protection provisions.


No
8 Peraturan Anggota Dewan • Mengatur terkait proses persetujuan pengembangan aktivitas, Bank Muamalat harus
Gubernur Nomor 24/7/ pengembangan produk, dan/atau kerja sama, dimana PJP atau menyampaikan laporan terkait
PADG/2022 tentang PIP dapat menguji kesiapan penyelenggaraan pengembangan rencana pelaksanaan dan
Penyelenggaraan Sistem aktivitas, pengembangan produk, dan/atau kerja sama dengan pengakhiran uji coba atas
Pembayaran oleh Penyedia ketentuan, antara lain: pengembangan aktivitas,
Jasa Pembayaran dan - Menyampaikan laporan kepada Bank Indonesia mengenai pengembangan produk dan/
Penyelenggara Infrastruktur rencana pelaksanaan dan pengakhiran uji coba atau kerja sama
Sistem Pembayaran Penyampaian laporan perkembangan uji coba
Regulation of Members • Regulates the approval process for activity development, product Bank Muamalat is required
of the Board of development, and/or cooperation, in which PJP or PIP can test to submit a report on the
Governors No. 24/7/ the readiness to implement activity development, product implementation plan and
PADG/2022 concerning development, and/or cooperation under the following conditions: the completion of trials
the Implementation of - Submit a report to Bank Indonesia on the implementation plan for activity development,
Payment Systems by and the trial run's termination. product development, and/or
Payment Service Providers Submssion of trial progress reports. collaboration.
and Payment System
Infrastructure Operators
9 Peraturan Anggota Dewan Peraturan Anggota Dewan Gubernur (PADG) tentang Penerapan Kewajiban Direksi dan Pegawai
Gubernur Nomor 24/9/ Kode Etik Pasar dan Pelaksanaan Sertifikasi Tresuri ini mengatur Bank Muamalat memiliki
PADG/2022 tentang mengenai hal-hal sebagai berikut: Sertifikat Tresuri.
Penerapan Kode Etik Pasar - Istilah-istilah yang digunakan dalam penerapan Kode Etik Pasar Bank Muamamalat wajib
dan Pelaksanaan Sertifikasi dan pelaksanaan Sertifikasi Tresuri. menyampaikan laporan Kode
Tresuri - Ruang lingkup pengaturan berisi tujuan pengaturan dan objek Etik Pasar dan Sertifikasi Tresuri
pengaturan.
- Pengaturan mengenai pemahaman dan penerapan Kode Etik
Pasar
- Pengaturan mengenai pelaksanaan Sertifikasi Tresuri
- Pengaturan mengenai Sertifikat Tresuri
- Pelaksanaan Pemeliharaan Kompetensi oleh LSP, otoritas, dan/
atau pihak lainnya.
- Penyampaian laporan oleh pelaku transaksi di Pasar Uang dan
LSP.
- Pengawasan Bank Indonesia terhadap pelaku transaksi di Pasar
Uang dan LSP
Regulation of Members of The Regulation of the Members of the Board of Governors (PADG) Directors and employees of
the Board of Governors Relating to the Application of the Market Code of Ethics and the Bank Muamalat are required to
No. 24/9/PADG/2022, Implementation of Treasury Certification governs the following hold Treasury Certificates.
concerning the Application matters: Bank Muamamalat is required
of the Market Code of - The terms used in the implementation of the Market Code of to submit a Market Code of
Ethics and Implementation Ethics and the implementation of Treasury Certification. Ethics and Treasury Certification
of Treasury Certification. - The setting scope contains the setting objective and the setting report.
object.
- Arrangements regarding the understanding and implementation
of the Market Code of Ethics
- Arrangements regarding the implementation of Treasury
Certification
- Arrangements regarding Treasury Certificates
- Implementation of Competence Maintenance by LSP, authorities,
and/or other parties.
- Submission of reports by Money Market and LSP transaction
players.
- Bank Indonesia's supervision of Money Market and LSP
transaction players
10 • PBI No. 24/7/ PBI/2022 • Larangan dan Batasan Transaksi Bank Bank Muamalat menerapkan
• PADG No. 24/10/ • Bank wajib melaporkan data dan/atau informasi transaksi yang Larangan dan Batasan Transaksi
dilakukan di Pasar Valuta Asing kepada Bank Indonesia melalui Valas sesuai ketentuan
PADG/2022 Transaksi di sistem pelaporan yang ditetapkan oleh Bank Indonesia.
Pasar Valuta Asing • Bank yang melakukan transaksi valuta asing terhadap rupiah
dengan nilai nominal di atas jumlah tertentu (threshold), memiliki
Underlying Transaksi.
• PBI No. 24/7/PBI/2022 • Bank Transaction Prohibitions and Restrictions Bank Muamalat implements
• PADG No. 24/10/ • Banks are required to report data and/or information on Prohibitions and Limits on
Foreign Exchange Market transactions to Bank Indonesia via the Foreign Exchange Transactions
PADG/2022 Transactions reporting system established by Bank Indonesia. in accordance with regulations.
on the Foreign Exchange • Underlying Transactions occur when banks conduct foreign
Market exchange transactions against the rupiah with a nominal value
greater than a certain amount (the threshold).


No
11 POJK Nomor 11/ • Penerapan Tata Kelola TI yang baik. Bank Muamalat menyesuaikan
POJK.03/2022 tentang • Bank wajib melakukan pemetaan, perencanaan, dan/atau penerapan Tata Kelola TI yang
Penyelenggaraan Teknologi penetapan atas aspek paling sedikit antara lain Proses bisnis, baik dan melakukan pengikian
Informasi oleh Bank Umum Struktur organisasi, Kebijakan, standar, dan prosedur, Kebutuhan anggota Komite Pengarah
dan alur informasi pendukung proses bisnis, Sumber daya Teknologi Informasi sesuai
manusia pendukung, Budaya TI, dan Infrastruktur dan aplikasi. dengan ketentuan
• Bank wajib menetapkan kewenangan dan tanggung jawab yang
jelas dari Direksi, Dewan Komisaris dan pejabat pada setiap
jenjang jabatan yang terkait dengan penerapan tata kelola TI.
• Bank wajib memiliki Komite Pengarah TI yang bertanggung jawab
memberikan rekomendasi kepada Direksi.
POJK No. 11/POJK.03/2022 • Implementation of Good IT Governance. Bank Muamalat adjusts the
concerning the • Banks are required to map, plan, and/or determine at least implementation of good IT
Implementation of on an aspect that includes business processes, organizational Governance and updates
Information Technology by structures, policies, standards, and procedures, information members of the Information
Commercial Banks needs and flows supporting business processes, supporting Technology Steering Committee
human resources, IT culture, infrastructure, and applications. in accordance with the
• Banks are required to establish clear authorities and provisions.
responsibilities for the Board of Directors, the Board of
Commissioners, and officials at every position level in relation to
IT governance implementation.
• Banks are required to have an IT Steering Committee that is
responsible for providing recommendations to the Board of
Directors.
12 Peraturan OJK No. 14/ • Pengaturan jenis Laporan Keuangan. Bank Muamalat wajib
POJK.04/2022 Tahun 2022 • Emiten yang hanya menerbitkan efek bersifat utang dan/atau menyampaikan laporan
tentang Penyampaian sukuk dan telah menyelesaikan seluruh kewajiban kepada keuangan berkala kepada
Laporan Keuangan Berkala pemegang efek bersifat utang dan/atau sukuk sebelum regulator sesuai dengan
Emiten Atau Perusahaan berakhirnya batas waktu penyampaian Laporan Keuangan ketentuan.
Publik. Berkala, tidak wajib menyampaikan Laporan Keuangan Berkala.
Bank Muamalat is required
OJK Regulation No. 14/ • Setting the type of Financial Report. to submit periodic financial
POJK.04/2022 of 2022 • Issuers that only issue debt securities and/or sukuk and have reports to regulators in
concerning the Submission completed all obligations to holders of debt securities and/or accordance with regulations.
of Periodic Financial sukuk prior to the deadline for submitting Periodic Financial
Reports of Issuers or Public Reports are exempt from submitting Periodic Financial Reports.
Companies.
13 Peraturan OJK No. 15/ • Larangan Perusahaan Terbuka dalam melakukan Pemecahan Bank Muamalat melakukan
POJK.04/2022 Tahun 2022 Saham atau Penggabungan Saham dalam jangka waktu tertentu. penyesuaian pengaturan
tentang Pemecahan Saham Pengecualian larangan bagi Perusahaan Terbuka untuk mengenai Pemecahan dan
dan Penggabungan Saham melakukan pemecahan atau penggabungan saham. Penggabungan Saham
oleh Perusahaan Terbuka. • Pelaksanaan Pemecahan dan Penggabungan Saham.
• Pengumuman dan penyampaian keterbukaan informasi
dilakukan paling lama 4 (empat) hari kerja sebelum tanggal
pelaksanaan Pemecahan Saham atau Penggabungan Saham.
OJK Regulation No. 15/ • Public companies are prohibited from conducting a stock split or Bank Muamalat made
POJK.04/2022 of 2022 reverse stock split within a certain time frame. adjustments to the
concerning the Stock Splits • Exceptions to the prohibition on public companies splitting or arrangements regarding the
and reverse Stock by Public reversing their stock. Split and Reverse of Stocks
Companies. • Implementation of Stock Split and Reverse Stock
The announcement and disclosure of information is made no
later than four (four) working days before the Stock Split or
Reverse Stock is implemented.
14 Peraturan Otoritas Jasa • Perlakuan khusus bagi LJK dan pelaku industri untuk diterapkan Bank Muamalat harus
Keuangan Nomor 19 Tahun pada: Daerah tertentu dan/atau Sektor tertentu memperhatikan penerapan
2022 tentang Perlakuan • Perlakuan khusus dapat diberikan untuk: perlakuan khusus pada daerah
Khusus Untuk Lembaga a. Bank (BUK, BUS, UUS, BPR, BPRS) dan sektor tertentu di Indonesia
Jasa Keuangan pada b. Industri Pasar Modal yang terkena dampak bencana
Daerah dan Sektor Tertentu c. Lembaga Jasa Keuangan Non bank (LJKNB)
di Indonesia yang Terkena
Dampak Bencana
Financial Services Authority • Special treatment for Financial Services Institution (LJK) and Bank Muamalat must focus on
Regulation No. 19 of industry players is to be applied to: certain regions and/or certain the implementation of special
2022 Concerning Special sectors. treatment in disaster-affected
Treatment for Financial • Special treatment can be given to: areas and sectors in Indonesia.
Services Institutions in a. Banks (BUK, BUS, UUS, BPR, BPRS);
Disaster-Affected Regions b. The Capital Market Industry;
and Sectors in Indonesia. c. Non-bank Financial Services Institutions (LJKNB)


No
15 Peraturan Otoritas Jasa • Penyertaan Modal dapat dilakukan secara langsung atau melalui Bank Muamalat menyesuaikan
Keuangan Nomor 22 Tahun pasar modal serta hanya dilakukan untuk investasi jangka penerapan kegiatan penyertaan
2022 tentang Kegiatan panjang dan tidak untuk jual beli saham. modal
Penyertaan Modal oleh • Jumlah seluruh portofolio Penyertaan Modal oleh Bank paling
Bank Umum tinggi 35% (tiga puluh lima persen) dari modal Bank.
• Bagi Bank yang telah menerapkan manajemen risiko secara
konsolidasi dengan Perusahaan Anak, peningkatan Penyertaan
Modal dan Penyertaan Modal yang berasal dari dividen saham
pada Perusahaan Anak yang sama dikecualikan dari batasan
Penyertaan Modal.
• Bank wajib menyampaikan rencana tindak atas pelampauan
batasan Penyertaan Modal kepada Otoritas Jasa Keuangan
apabila selama 3 (tiga) bulan berturut-turut jumlah seluruh
portofolio Penyertaan Modal melampaui batasan Penyertaan
Modal.
• Bank wajib mencantumkan rencana Penyertaan Modal dalam
rencana bisnis Bank.
• Bank wajib memperoleh izin dari OJK dalam melakukan
Penyertaan Modal.
• Bank harus merealisasikan rencana Penyertaan Modal paling
lama 6 (enam) bulan sejak memperoleh izin dari OJK.
• Bank wajib menyampaikan rencana pelaksanaan Divestasi paling
lama 7 (tujuh) hari kerja sebelum Divestasi dilakukan.
Financial Services Authority • Equity Participation can be made directly or through the capital Bank Muamalat modifies the
Regulation No. 22 of 2022 market, and it is only made for long-term investments rather implementation of its Equity
on Commercial Banks' than buying and selling shares. Participation activities
Equity Participation • Banks' total portfolio of Equity Participation is limited to 35%
Activities (thirty-five percent) of the Bank's capital.
• Increases in Equity Participation and Equity Participation
originating from stock dividends in the same Subsidiary Company
are excluded from the Equity Participation limit for Banks that
have implemented risk management on a consolidated basis
with Subsidiaries.
• Banks are required to submit to the Financial Services Authority
an action plan for exceeding the Equity Participation limit if the
total Equity Participation portfolio exceeds the limit for 3 (three)
consecutive months.
• Banks are required to include plans for Equity Participation in
their business plans.
• Banks are required to obtain approval from OJK before engaging
in Equity Participation.
• Banks are required to implement the Equity Participation plan
within 6 (six) months of receiving approval from OJK.
• Banks should submit a Divestment implementation plan no later
than 7 (seven) working days before the Divestment.
16 Peraturan Otoritas Jasa • Menyediakan dan merealisasikan dana untuk pengembangan Bank Muamalat wajib
Keuangan Nomor 24 kualitas SDM untuk setiap tahun buku paling sedikit 3,5% (tiga melakukan pengelolaan SDM
Tahun 2022 tentang koma lima persen) dari total realisasi beban gaji kotor (gross dan pengembangan kualitas
Pengembangan Kualitas salary) tahun sebelumnya. SDM dengan mengikutsertakan
Sumber Daya Manusia • Menyusun rencana dan menyampaikan realisasi rencana SDM pada pengembangan
Bank Umum pengembangan kualitas SDM dalam rencana bisnis bank. kompetensi di bidang teknis,
• Mengikutsertakan SDM pada pengembangan kompetensi di nonteknis dan kepemimpinan
bidang teknis, nonteknis dan kepemimpinan melalui Sertifikasi
Kompetensi Kerja (SKK) di sektor perbankan.
• SKK diselenggarakan oleh Lembaga Sertifikasi Profesi (LSP)
sektor perbankan yang terdaftar di OJK.
• Bank wajib untuk memiliki sistem dan/atau prosedur internal
untuk memantau realisasi pengembangan kualitas SDM secara
berkelanjutan.
Financial Services • Provide and realize funds for human resource development that Bank Muamalat is required
Authority Regulation No. are at least 3.5% (three and five percent) of the total realization to manage HR and develop
24 of 2022 concerning the of the previous year's gross salary expenses for each fiscal year. HR quality by involving HR in
Development of the Quality • Prepare plans for, and deliver on HR-quality development plans competency development in the
of Human Resources for in the Bank's business plan. technical, non-technical, and
Commercial Banks • In the banking sector, involve HR in competency development leadership fields
in technical, non-technical, and leadership fields through Work
Competency Certification (SKK).
• SKK is held by a Professional Certification Institute (LSP) for the
banking sector that is registered with the OJK.
• Banks are required to have internal systems and/or procedures
in place to monitor the implementation of HR quality
development in a sustainable manner.


No
17 Surat Edaran Otoritas • Perhitungan ATMR untuk Risiko Pasar yaitu melalui Pendekatan Bank Muamalat perlu
Jasa K e u a n g a n Standar atau Pendekatan Standar yang disederhanakan. melakukan penyesuaian dan
Nomor 23/ SEOJK.03/2022 • Bank menyampaikan Laporan Penerapan Manajemen Risiko mempersiapkan implementasi
tentang Perhitungan Aset untuk Risiko Pasar yang merupakan bagian dari hasil self- Laporan Perhitungan ATMR
Tertimbang Menurut Risiko assessment Tingkat Kesehatan Bank untuk pertama kali untuk posisi Desember 2023.
Untuk Risiko Pasar Bagi disampaikan pada posisi akhir bulan Desember 2023.
Bank Umum. • Periode Laporan Perhitungan ATMR untuk Risiko Pasar
Laporan Perhitungan ATMR untuk Risiko Pasar disampaikan
sebagai bagian dari Laporan KPMM dan ATMR.
• Uji coba Laporan Perhitungan ATMR untuk Risiko Pasar
disampaikan untuk posisi akhir bulan Juni 2023, September 2023,
dan Desember 2023.
• Laporan Perhitungan ATMR untuk Risiko Pasar
Financial Services Authority • The calculation of RWA for Market Risk through the Standard Bank Muamalat should make
Circular Letter No. 23/ Approach or simplified Standard Approach. changes and prepare for the
SEOJK.03/2022 concerning • The Bank submits a Report on the Implementation of Risk implementation of the RWA
the Calculation of Risk Management for Market Risk, which is part of the Bank's Calculation Report for the
Weighted Assets for Market Soundness Level Self-Assessment Results for the first time December 2023 position.
Risk for Commercial Banks. submitted at the end of December 2023.
• RWA Calculation Report Period for Market Risk
The RWA Calculation Report for Market Risk is submitted as part
of the KPMM and RWA Reports.
• Trials of RWA Calculation Reports for Market Risk are submitted
for the positions at the end of June 2023, September 2023, and
December 2023.
• RWA Calculation Report for Market Risk
18 Peraturan Otoritas Jasa POJK BUS terdiri dari 16 bab dan 150 pasal dengan pokok Bank Muamalat melakukan
Keuangan Republik pengaturan terkait Rencana Korporasi, Pendirian Bank, Bank penyesuaian prosedur
Indonesia No. 16/POJK.03/2022 Digital, Kepemilikan dan Perubahan Modal Bank, Direksi, Dewan Pengaturan mengenai
Tentang Bank Umum Komisaris, Dewan Pengawas Syariah (DPS), dan Pejabat Eksekutif jaringan kantor Bank dan
Syariah. Bank, serta Pemimpin KPBLN, Perubahan Nama, Logo, dan Bank Muamalat wajib
Anggaran Dasar Bank, Penyampaian Perizinan dan Laporan, dan menyusun rencana korporasi
Pengelompokan Bank. (corporate plan) untuk jangka
waktu 5 (lima) tahun dan
menyampaikannya kepada OJK
Regulation of the Financial POJK BUS is divided into 16 chapters and 150 articles, with the Bank Muamalat modified
Services Authority of the main provisions dealing with Corporate Plans, Bank Establishment, regulatory procedures
Republic of Indonesia Digital Banks, Ownership and Changes in Bank Capital, the Board regarding Bank office networks,
No. 16/POJK.03/2022 of Directors, the Board of Commissioners, Sharia Supervisory and Bank Muamalat is required
concerning Sharia Board (DPS), and Bank Executive Officers, as well as KPBLN to prepare a 5-year corporate
Commercial Banks. Leaders, Changes in Bank Name, Logo, and Articles of Association, plan and submit it to OJK.
Submission of Licensing and Reports, and Bank Grouping.
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 been issued and that are effective for the financial year
pada atau setelah tanggal 1 Januari 2022 yang berdampak starting on or after 1 January 2022 and that have an impact
terhadap laporan keuangan adalah sebagai berikut: on the financial statements are as follows:
• Amendemen PSAK 1: “Penyajian laporan keuangan”; • Amendments to PSAK 1: "Presentation of financial
statements";
• Amendemen PSAK 16 “Aset Tetap”; • Amendments to PSAK 16 "Fixed Assets";
• Amandemen PSAK 25: “Kebijakan akuntansi, • Amendments to PSAK 25: "Accounting Policies,
• Perubahan estimasi akuntansi, dan kesalahan”; dan • Changes in accounting estimates, and errors"; And
• Revisi PSAK 107 “Akuntansi Ijarah.” • Revision of PSAK 107 "Accounting for Ijarah.”
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.

Fungsi
Penunjang
Bisnis
Business Support
Function
224 Sumber Daya Manusia
Human Capital
224 Teknologi Informasi
251 Manajemen Risiko
Risk Management
Fungsi Penunjang Bisnis
Business Support Function
Sumber Daya Manusia

Human Capital
PT Bank Muamalat Indonesia Tbk (“BMI”, PT Bank Muamalat Indonesia Tbk ("BMI,"
“Bank”) menjadikan aspek Sumber "Bank") prioritizes Human Capital (HC) as
Daya Manusia (SDM) sebagai salah satu a key focus in the business and technology
fokus utama dalam menjalankan proses
transformasi pada bisnis dan teknologi.
transformation process. This policy is
consistent with the Bank's strategy for
71,3 jam
hour
Rata-rata jam pelatihan
Kebijakan ini selaras dengan strategi meeting targets from both annual and karyawan
Bank untuk mewujudkan target, baik dari long-term plans. Average hours of
employee training
rencana tahunan maupun jangka panjang.
Maka dari itu, Bank fokus kepada Therefore, the Bank concentrated on
akselerasi perbaikan Human Capital accelerating the overall improvement of
Life Cycle secara menyeluruh dalam
rangka mendukung proses transformasi
the Human Capital Life Cycle to support
a sustainable transformation process.
334 orang
person
Jumlah rekrutmen baru

yang berkesinambungan. Upaya ini This effort is carried out through various sepanjang tahun 2022
dilakukan melalui berbagai inisiatif initiatives and innovations that prioritize Number of new recruits in 2022
dan inovasi dengan mengedepankan HC capacity and capability development
pengembangan kapasitas dan kapabilitas in various areas, with the goal of having
SDM dalam berbagai aspek, sehingga a positive and significant impact on the
dapat memberikan pengaruh positif dan Bank's business growth in the face of
signifikan terhadap pertumbuhan usaha increasingly fierce business competition.
Bank dalam menghadapi persaingan
bisnis yang semakin ketat.

Bank berupaya terus meningkatkan produktivitas

serta engagement karyawan, antara lain melalui
kebijakan baru tahun 2022, yaitu Program Beasiswa
bagi anak karyawan.
The Bank continues to improve employee productivity and engagement, among others
through a new policy in 2022, namely the Scholarship Program for employees' children.
BMI secara konsisten terus memperhatikan pengelolaan BMI prioritizes human capital management and development
dan pengembangan SDM melalui peningkatan produktivitas through increased productivity and bank engagement.
dan engagement terhadap Bank. Hal itu dilakukan dengan This is accomplished through a more structured program,
program yang lebih terstruktur, optimalisasi efektivitas biaya optimizing the effectiveness of labor costs, increasing
tenaga kerja, peningkatan skema reward dan recognition targeted reward and recognition schemes, and improving
yang lebih terarah, peningkatan infrastruktur Human Capital Human Capital (HC) infrastructure, all of which contribute to
(HC) yang juga mendukung penguatan nilai-nilai budaya strengthening corporate cultural values.
perusahaan.
Dalam rangka motivasi SDM agar dapat meningkatkan To encourage human capital to increase productivity and
produktivitas serta engagement kepada perusahaan, pada engagement with the company, the Bank implemented a
tahun 2022, Bank mengeluarkan kebijakan baru, yaitu new policy in 2022: the Scholarship Program for employees'
Program Beasiswa bagi anak karyawan. Program ini berupa children. This program provides educational funding support
pemberian dukungan dana pendidikan kepada anak-anak to employees' children who excel in various academic and
karyawan yang berprestasi berdasarkan hasil seleksi prestasi non-academic achievements.
akademik dan prestasi non-akademik.
Kebijakan tersebut untuk mendorong anak-anak karyawan This policy encourages employees' children to compete
berkompetisi mencapai prestasi dan bersekolah di institusi for achievements and to attend the best educational
pendidikan terbaik. Dengan demikian, di kemudian hari institutions. Hence, they will become a superior generation
mampu menjadi generasi unggul yang mampu bersaing dan capable of competing and making the greatest contribution
memberikan kontribusi terbaik bagi lingkungannya. to the environment in the future.
Pemberian dukungan dana dalam bentuk beasiswa bagi anak One of our efforts to lessen the financial burden of
karyawan merupakan salah satu upaya Bank meringankan education costs that must be borne by employees each year,
beban biaya pendidikan yang harus dikeluarkan karyawan subject to the specified terms and conditions, is to provide
setiap tahun, sepanjang memenuhi ketentuan dan financial support in the form of scholarships for the children
persyaratan yang ditentukan. Program ini juga menjadi of employees. This program also manifests the Bank's
wujud komitmen Bank dalam meningkatkan kesejahteraan commitment to enhancing the well-being of its employees
karyawan dan keluarganya. and their families.

PENGELOLA SDM HC MANAGEMENT

Pengelolaan SDM di lingkungan Bank dilaksanakan oleh The Directorate of Human Capital is in charge of human
Direktorat Human Capital. Direktorat ini dipimpin oleh SEVP capital management at the bank. This directorate is in charge
Human Capital dan bertanggung jawab dalam pengelolaan of employee management and development and is led by
dan pengembangan karyawan. the SEVP Human Capital.
SEVP HUMAN CAPITAL
Head of HC Strategy & Head of HCBP & Executive Director

Head of HCBP & Service
Development Industrial Relations Muamalat Institute
Head of Analytics,
Head of Talent Head of Industrial Head of Talent HCBP Operation &
Delivery & HCBP CEO Office
Acquisition Relations Acquisition Digital
Administration
Head of HC Digital Learning & Head of HC Head of HC

HCBP Enterprise & HCBP Support
Digitalization & Bankwide Academy Governance & Digitalization &
Retail Banking HO Function
Analytics Specialist Employee Benefits Analytics
Head of HC Talent & Leadership Head of HCBP Retail HC KL Head of HC

Operations Specialist Banking Business Representative Operations
Head of HC HCBP Region

Operations
Direktorat Human Capital memiliki 4 (empat) unit kerja, The Human Capital Directorate comprises 4 (four) work units,
dimana 1 (satu) diantaranya merupakan subsidiary berupa one of which is a subsidiary, the Islamic Banking Education
Lembaga Pendidikan dan Pengembangan Perbankan and Development Institute (LPPBS), namely the Muamalat
Syariah (LPPBS), yakni Muamalat Institute. Penjelasan Institute. Each work unit is described as follows:
mengenai masing-masing unit kerja tersebut adalah:
Unit Kerja
No. Peran dan Fungsi Role and Function
Work Unit
1 Human Capital Strategy & Menerjemahkan strategi bisnis ke dalam Transform business strategy into
Development prioritas Human Capital. Mencakup priorities for Human Capital. This includes
pengembangan organisasi, perencanaan organizational development, workforce
tenaga kerja dan penganggaran biaya planning, labor cost budgeting, performance
tenaga kerja, manajemen kinerja, kerangka management, remuneration and
kerja remunerasi dan kompensasi, serta compensation frameworks, and responsible
bertanggung jawab untuk menyusun strategi for developing effective and efficient
yang efektif dan efisien dalam pengelolaan strategies in managing HR development.
pengembangan SDM. Mengelola seluruh Manage all activities in the implementation of
aktivitas dalam pelaksanaan program learning and talent development programs
pembelajaran dan pembinaan talenta di at BMI to create quality learning and talent
BMI untuk menciptakan kualitas program development programs in accordance with
pembelajaran dan pembinaan talenta the HR development strategy to support the
sesuai dengan strategi pengembangan SDM improvement of HR quality in supporting
guna mendukung peningkatan kualitas SDM the Bank's business strategy. Another role
dalam mendukung strategi bisnis Bank. is to manage employee communication
Peran lainnya adalah mengelola komunikasi (Employee Engagement) and Employer
karyawan (Employee Engagement) dan Branding.
Employer Branding.

Unit Kerja
No. Peran dan Fungsi Role and Function
Work Unit
2 Human Capital Business Partner Memberikan rekomendasi, konsultasi, Provide HC and organizational
(HCBP) & Industrial Relations solusi-solusi strategis yang implementatif recommendations and consultations, as
terkait dengan SDM serta organisasi kepada well as implement strategic solutions to all
seluruh pemangku kepentingan (Direksi, stakeholders (Directors, Executive Officers,
Pejabat Eksekutif, dan seluruh line manager) and all line managers) in the Retail Banking,
di Direktorat Retail Banking, Wholesale Wholesale Banking, and CEO Directorates.
Banking dan CEO Directorate. Unit ini juga This unit also customizes SD products
membuat penyelarasan (customization) and programs to meet the needs of all of
produk dan program-program SD yang these Directorates in order to ensure the
sesuai dengan kebutuhan organisasi di availability of qualified organizations and
seluruh Direktorat tersebut, agar tercipta human capital to support organizational
ketersediaan organisasi dan SDM yang achievement and productivity.
mumpuni guna mendukung pencapaian
dan produktivitas organisasi.
Dalam hal Industrial Relations berperan In terms of Industrial Relations, the role is to
dalam menciptakan hubungan industrial create conducive and harmonious industrial
yang kondusif dan harmonis antara relations between Employees, Labor
Karyawan, Serikat Pekerja, dan Perusahaan Unions, and the Company by ensuring that
dengan memastikan bahwa proses yang processes related to employment relations,
terkait dengan hubungan kerja, syarat kerja, working conditions, rights and obligations of
hak dan kewajiban para pihak, penanganan the parties, handling employee complaints,
keluhan karyawan, serta penanganan and handling and resolving industrial
dan penyelesaian perselisihan hubungan relations disputes are carried out in an
industrial dilakukan dengan cara yang tepat appropriate manner and in accordance with
dan sejalan dengan peraturan perundangan the applicable laws and regulations to avoid/
yang berlaku untuk menghindari/ minimize the Bank's reputation risk.
meminimalisir risiko reputasi Bank.
3 Human Capital Business Partner Memberikan rekomendasi, konsultasi dan Provide HC and organizational
(HCBP) & Services solusi-solusi strategis yang implementatif recommendations and consultations,
terkait dengan SDM serta organisasi kepada as well as implement strategic solutions
seluruh pemangku kepentingan (Direksi, to all stakeholders (Directors, Executive
Pejabat Eksekutif, dan seluruh manajer lini) Officers, and all line managers) in the
di Direktorat Operation, Compliance, Risk & Operations, Compliance, Risk & Legal,
Legal, Financing dan Finance. Unit ini juga Financing, and Finance Directorates. This
membuat penyelarasan (customization) unit also customizes HC products and
produk dan program-program SDM yang programs to meet organizational needs
sesuai dengan kebutuhan organisasi di across the Operations, Compliance, Risk &
seluruh Direktorat Operation, Compliance, Legal, Financing, and Finance Directorates,
Risk & Legal, Financing dan Finance, agar in order to ensure the availability of
tercipta ketersediaan organisasi dan qualified organizations and human capital
SDM yang mumpuni guna mendukung to support organizational achievements
pencapaian dan produktivitas organisasi. and productivity. This unit is also in
Unit ini juga bertanggung jawab dalam charge of managing and executing the
mengelola dan mengimplementasikan talent acquisition strategy, HR system
strategi talent acquisition, manajemen sistem management (database), as well as ensuring
SDM (database), serta memastikan eksekusi the execution of HR operational transactions
transaksi operasional SDM telah sesuai is in accordance with applicable regulations
dengan regulasi dan kebijakan yang berlaku and policies and in accordance with HC and
dan sesuai dengan rencana, program dan Bank plans, programs and initiatives.
inisiatif HC dan Bank.
4 Muamalat Institute Lembaga dengan fungsi pelatihan dan An institution with a training and
pengembangan yang berperan mewujudkan development function that contributes to
edukasi dan literasi keuangan syariah the country's best Islamic financial education
terbaik di Tanah Air. and literacy.

REALISASI PENGEMBANGAN SDM 2022 REALIZATION OF HC DEVELOPMENT 2022

Selama periode Tahun 2022, Direktorat Human Capital telah In 2022, the Human Capital Directorate implemented the
melaksanakan sejumlah inisiatif dan program kerja sesuai following initiatives and work programs in accordance with
dengan target atau rencana pengembangan SDM yang telah BMI's HC development targets or plans for 2022:
ditetapkan oleh BMI untuk tahun 2022 sebagai berikut:
1. Memberikan solusi pembelajaran yang tepat dan 1. Providing appropriate and integrated learning solutions
terintegrasi untuk peningkatan produktivitas dan to increase productivity and improve front, middle, and
peningkatan kinerja di front office, middle office, dan back back office performance.
office.
2. Membangun akselerasi, memastikan konversi, dan 2. Building acceleration, ensuring conversion, and managing
mengatur Fast Track Program untuk mendukung the Fast Track Program to support organizational
optimalisasi organisasi. optimization.
3. Meningkatkan kemampuan Talent yang ada dengan 3. Improving the capabilities of the existing talent with
manajemen talenta yang baik dan kepemimpinan good talent management and leadership to support the
untuk mendukung kualifikasi tinggi Perusahaan. Company's high qualifications.
4. Membuat anggaran yang efektif dan pengendalian risiko 4. Create an effective budget and risk control to support
untuk mendukung efisiensi dan kesadaran risiko Bank di the Bank's efficiency and risk awareness in the digital
era digital. era.
5. Membangun Transformasi Human Capital untuk 5. Building Human Capital Transformation to create
menciptakan sumber daya manusia yang unggul. superior human capital.
Secara keseluruhan pengembangan yang meliputi pendidikan Overall, the development provided by the Bank, which covers
dan pelatihan yang telah diberikan Bank mengalami education and training, has increased from the previous
peningkatan dari tahun sebelumnya yang dapat dilihat pada year, as shown in the table below.
tabel di bawah ini.
2022 2021
Rata-rata Jam Pelatihan per Tahun per Karyawan 71,3 66,4 Average Training Hours per Year per Employee
Realisasi Program pelatihan dan pembelajaran di Bank The realization of training and learning programs at the Bank
pada tahun 2022 yang telah berjalan dibagi dalam beberapa in 2022 is divided into several categories, including:
kategori, di antaranya adalah:
1. Learning Program 1. Learning Program

Kategori Learning Program terbagi menjadi 5 (lima) The Learning Program category is divided into 5 (five)
program utama, yaitu: main programs, namely:
a. Core Training Program a. Core Training Program
Training yang wajib diikuti oleh seluruh karyawan Mandatory training for all Bank employees. This form
Bank. Bentuk pelatihan ini terdiri dari program inti, of training consists of the following core program:
yaitu:
i. Induction Program yang berisi Modul Basic. i. An induction program comprised of Basic
Modules
ii. Sharia Banking dan Product Knowledge. ii. Sharia Banking and Product Knowledge.
iii. Basic Risk Awareness Program yang berisi Financing iii. The Basic Risk Awareness Program, which
and Operation Risk Modul. General Compliance includes the Financing and Operation Risk
dan Introduction to Audit Process. Module, General Compliance, and Introduction
to Audit Process.
b. Program Sertifikasi Regulatory dan Internal b. Regulatory and Internal Certification Program
Program sertifikasi wajib yang harus diikuti Mandatory certification program that must be
oleh karyawan guna memenuhi peraturan yang followed by employees in order to comply with
diterbitkan oleh regulator atau internal perusahaan regulations issued by regulators or internal
dan juga bertujuan untuk meningkatkan kompetensi companies that also aims to improve employee
karyawan dalam bidang dan jabatan tertentu. competency in certain fields and positions. The
Berikut adalah contoh sertifikasi yang dibagi dalam certifications are classified into the following types:
jenis sertifikasi:

i. Sertifikasi Regulatory i. Regulatory Certification

• Sertifikasi Manajemen Risiko • Risk Management Certification
• Sertifikasi Treasuri • 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
• AntiFraud Awareness • Anti-Fraud Awareness
• APU-PPT • APU-PPT
• Code of Conduct • Code of Conduct
• Corporate Values • Corporate Values
c. Functional/Matrix Training Program c. Functional/Matrix Training Program
Program training yang didesain untuk karyawan A training program tailored to Bank employees
Bank berdasarkan fungsi kerjanya. Bentuk pelatihan based on the description of their job. According to
ini terbagi dalam 3 (tiga) akademi, sesuai dengan job description, the training is divided into three
fungsi pekerjaan. yaitu: (three) academies:
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. Departmental Training Program d. Departmental Training Program
Program pelatihan ini diadakan berdasarkan This training program is held based on suggestions
usulan atau permintaan dari masing-masing unit or requests from each work unit in the context
kerja dalam rangka pengembangan kompetensi of developing employee competencies. The
karyawan. Pelaksanaannya dapat dilakukan secara implementation can be done in-house or by sending
in-house maupun dengan mengirimkan karyawan employees to attend seminars or training outside the
untuk mengikuti seminar atau pelatihan di luar Bank. Bank.
e. Creative Learning e. Creative Learning
Creative Learning Program merupakan program The Creative Learning Program is a learning program
pembelajaran di luar program formal di atas yang outside the formal program above that aims to
bertujuan untuk menumbuhkan Learning Culture foster a Learning Culture for every employee of
setiap karyawan Bank Muamalat Indonesia dalam Bank Muamalat Indonesia in order to increase their
rangka meningkatkan pengetahuan, keterampilan, knowledge, skills, and competencies. Some Creative
dan kompetensinya. Beberapa Program Creative Learning Programs include:
Learning mencakup:
i. M@16 i. M@16
M@16 atau Meet@16 adalah program Sharing M@16 or Meet@16, is a Sharing Session program
Session di masing-masing unit kerja sebagai used in each work unit to share information
sarana untuk saling berbagi informasi dan and knowledge among employees. The themes
pengetahuan antar karyawan. Tema yang discussed included new programs or products,
dibahas antara lain terkait program atau produk procedures and regulations, the dissemination
baru, prosedur dan ketentuan, sosialisasi and strengthening of the Bank's core values, and
dan pemantapan nilai-nilai utama Bank, dan other knowledge that can support and enhance
pengetahuan lain yang dapat menunjang serta work unit performance.
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 or
atau sharing session dari pihak eksternal (praktisi, sharing session program related to business
konsultan maupun pakar/ahli) yang terkait knowledge led by external parties (practitioners,
dengan pengetahuan bisnis. consultants, and experts).
iii. Management Walk About iii. Management Walk About
Management Walk About adalah program Management Walkabout is a program in which
kunjungan Direksi ke kantor cabang ataupun the Board of Directors visits branch offices in
melalui Virtual, sebagai wadah komunikasi dan person or virtually to facilitate communication
sharing session Direksi bersama karyawan. Tujuan and sharing sessions between the Board of

dari program ini adalah untuk menciptakan Directors and employees. The purpose of this
keterbukaan komunikasi serta keterlibatan program is to create open communication
seluruh karyawan di cabang dalam menjalankan involving all employees at the branch in carrying
visi dan misi Bank. out the Bank's vision and mission.
iv. Corporate Library iv. Corporate Library
Tujuan dari Corporate Library ini adalah sebagai The purpose of this Corporate Library is to
pusat pustaka serta informasi referensi bagi serve as a library center as well as a source
karyawan Bank Muamalat Indonesia. Sampai of reference information for Bank Muamalat
akhir 2022, Corporate Library telah memiliki Indonesia employees. Until the end of 2022, the
koleksi lebih dari 500 buku dan 1.300 Corporate Corporate Library had a collection of more than
e-book serta majalah yang berkaitan dengan 500 books and 1,300 Corporate e-books and
perbankan, ekonomi serta pengembangan diri. magazines related to banking, economics, and
self-development.
2. Non-Class Room Learning Program 2. Non-Class Room Learning Program

Program ini menggunakan platform berbasis teknologi This program uses a technology-based platform that
yang dapat diakses oleh seluruh karyawan Bank Muamalat can be accessed by all employees of Bank Muamalat
Indonesia. Tahun 2022 Bank berkomitmen untuk terus Indonesia. In 2022, the Bank pledged to continue to
menumbuhkan learning culture dengan memperkuat cultivate a learning culture by strengthening knowledge
program-program pengelolaan pengetahuan (knowledge management programs. The following programs were
management). Program-program yang dikembangkan developed in 2022:
pada tahun 2022 adalah:
a. Muamalat Knowledge One (MK One), adalah suatu a. Muamalat Knowledge One (MK One) is a medium
media di mana modul-modul pembelajaran bisa di where learning modules can be accessed by all
akses oleh seluruh karyawan pada aplikasi Human employees on the Human Capital Information
Capital Information System (Muamalat Human Power- System (Muamalat Human Power-MHP) application.
MHP).
b. M-Channel, yaitu channel TV Muamalat yang terus b. M-Channel, namely the Muamalat TV channel, which
menerus menyiarkan modul-modul pembelajaran continuously broadcasts learning modules related to
terkait produk, nilai-nilai perusahaan, maupun video- products, corporate values, and other motivational
video motivasi lainnya. videos.
c. M-Viral, adalah video-based learning yang menyajikan c. M-Viral is a video-based learning platform that
konten-konten yang menjadi fokus Bank Muamalat presents content that is currently the focus of Bank
Indonesia saat ini. Muamalat Indonesia.
d. M-Coach, yaitu sebuah sistem yang diperuntukan d. M-Coach is a system designed for leaders to
bagi leaders untuk melakukan coaching terhadap coach employees under their supervision using
karyawan di bawah supervisinya dengan standar management-determined coaching reference
acuan coaching yang ditentukan oleh manajemen. standards.
Selain program pembelajaran di atas, pada tahun 2022 In addition to the learning programs mentioned above,
Bank Muamalat Indonesia juga telah meluncurkan Bank Muamalat Indonesia has launched the following
program-program khusus berikut: special programs in 2022:
a. MODP Future Leader a. MODP Future Leaders
Pembentukan pemimpin masa depan dilakukan Future leaders are formed by implementing the
dengan melaksanakan program Muamalat Officer Muamalat Officer Development Program (MODP)
Development Program (MODP) Future Leader. Program Future Leader. The MODP program prioritizes
MODP ini mengutamakan para fresh graduates yang high-quality fresh graduates and selected internal
berkualitas tinggi dan beberapa karyawan internal employees. All students are then trained in a
terpilih. Seluruh peserta didik kemudian ditatar program that continues to be closely monitored by
dalam sebuah program yang terus diawasi secara coaches in designated work units and guided by
ketat oleh para coach di unit kerja yang ditunjuk mentors, consisting of selected and appointed senior
dan dibimbing para mentor yang terdiri dari para management, to develop these junior talents.
senior management yang terpilih dan ditunjuk untuk
melaksanakan tugas pengembangan talent-talent
junior tersebut.

b. MAP Digital Banking b. MAP Digital Banking

Program yang dibuat dalam rangka digitalisasi The program was developed within the context
perbankan saat ini dimana Bank Muamalat sebagai of current banking digitalization, where Bank
perbankan Syariah Pertama di Indonesia harus dapat Muamalat, as the first Sharia banking institution
menjadi pelopor teknologi terdepan dan diharapkan in Indonesia, must be able to become a pioneer of
program MAP Digital Banking dapat menjadi jalur leading technology, and it is expected that the MAP
pemenuhan “Raw Talent” yang dibutuhkan yang Digital Banking program will serve as a path for
juga bagian dari konsep talent Management Bank fulfilling the required "Raw Talent," which is also part
Muamalat. of the Bank Muamalat talent management concept.
c. MAP Wholesale Banking c. MAP Wholesale Banking
Program MAP Wholesale Banking dirancang untuk The MAP Wholesale Banking program is designed
memenuhi kebutuhan yang semakin mendesak untuk to address the bank's increasingly urgent need to
mendukung strategi bank dalam mengembangkan support its strategy for developing a sustainable
bisnis wholesale segment yang berkelanjutan, MAP wholesale segment business. MAP is one of the BMI
merupakan salah satu program lulusan BMI dalam graduate programs that focuses on developing talent
mengembangkan talenta untuk menjadi spesialis to become specialists in the Wholesale Banking
di segmen Wholesale Banking dengan kompetensi segment with standard and adequate competencies
standar dan memadai sebagai Relationship Manager as a Relationship Manager in the future to support
di masa depan untuk mendukung kinerja bisnis the company's business performance.
perusahaan.
d. MAP SME Banking d. MAP SME Banking
Program MAP SME Banking dirancang untuk The MAP SME Banking program is designed to
memenuhi kebutuhan yang semakin mendesak untuk address the bank's increasingly urgent need to
mendukung strategi bank dalam mengembangkan support its strategy for developing a sustainable
bisnis financing commercial yang berkelanjutan, MAP commercial financing business. MAP is one of the
merupakan salah satu program lulusan BMI dalam BMI graduate programs for developing talents to
mengembangkan talenta untuk menjadi spesialis di become specialists in the SME Banking segment
segmen SME Banking dengan kompetensi standar with standard and adequate competencies as
dan memadai sebagai Relationship Manager di masa Relationship Managers in the future to support the
depan untuk mendukung kinerja bisnis perusahaan. company's business performance.
e. Relationship Manager Acceleration - (RM Acceleration) e. Relationship Manager Acceleration - (RM Acceleration)
Program untuk para karyawan pemasaran di tingkat A program for marketing employees at the entry-
pemula, yang dilaksanakan untuk menghasilkan level, which is implemented to produce quality
Relationship Manager berkualitas pada segmen Relationship Managers in the Retail segment. The
Retail. Program yang berlangsung selama 6 (enam) program lasts for 6 (six) months and contains
bulan ini berisi pembekalan dan pelatihan soft skills debriefing and training on soft skills and hard skills
dan hard skills terkait akad dan produk syariah. related to Sharia contracts and products.
f. Muamalat Indonesia Apprentice (MULIA) f. Muamalat Indonesia Apprentice (MULIA)
Program pendidikan yang ditunjukan bagi lulusan An educational program aimed at high school
SMA dan sederajat untuk ditempatkan sebagai graduates and equivalents to be placed as frontliners
frontliner (Teller dan Customer Service) di Bank (Tellers and Customer Service) at Bank Muamalat
Muamalat Indonesia seluruh Indonesia. Melalui Indonesia throughout Indonesia. Through this
program ini, peserta program yang memiliki kinerja program, participants who perform well and have
baik dan telah mencapai masa program yang reached the specified program period will receive a
ditentukan akan mendapatkan beasiswa untuk scholarship to continue their education.
melanjutkan pendidikannya.
g. Individual Learning Development Program (ILDP) g. Individual Learning Development Program (ILDP)
Dalam rangka mendukung Key Strategic initiatives In order to support Key Strategic initiatives in 2022
tahun 2022 dan sama-sama menuju Bank Muamalat and unify towards a better Bank Muamalat Indonesia,
Indonesia yang lebih baik, Bank mempersiapkan the Bank prepared training that can be attended
pelatihan-pelatihan yang dapat diikuti oleh seluruh by all human capital to support work activities
sumber daya insani guna menunjang aktivitas and to improve the capabilities of Leadership,
pekerjaan maupun untuk meningkatkan kemampuan Communication, Productivity, and Business Ethics.
sisi Leadership, Communication, Productivity, dan
Business Ethics.

h. Retail Collection Training h. Retail Collection Training

Diadakannya training ini bertujuan untuk The purpose of this training is to increase the
meningkatkan kapabilitas dan kompetensi bagi para capability and competence of the Collection Team
Tim Collection, dan juga agar tercapainya standarisasi and also to standardize the basic knowledge of the
basic knowledge dari Tim Collection sehingga bisa Collection Team, allowing them to accelerate the
dilakukan percepatan penyelesaian Bad Bank settlement of Bad Bank in the retail segment.
segmen retail.
i. Trilogy Financing Training i. Trilogy Financing Training
Program training yang di desain untuk A training program designed to standardize
menstandarisasi pemahaman terhadap proses understanding of the financing process. This program
pembiayaan. Program ini diberikan kepada team is intended for the Sales team (RM Retail Financing)
Sales (RM Retail Financing) dengan tema Financing with the theme of Financing Risk Analyst, Financing
Risk Analyst, Financing Operation Process, dan Account Operation Process, and Account Maintenance
Maintenance Collection. Collection.
REKRUITMEN RECRUITMENT
Seiring perkembangan bisnis BMI, layanan yang diberikan As BMI's business develops, the services provided by the
Bank pun terus meningkat. Karena itu, Bank melakukan Bank continue to expand. Therefore, the Bank recruits new
rekrutmen karyawan baru sebagai bagian dari proses employees as part of an important process in identifying,
penting dalam mengidentifikasi, mencari, dan menarik calon seeking, and attracting prospective employees to meet
karyawan untuk memenuhi kebutuhan organisasi. organizational needs.
Ringkasan Rekrutmen SDM Tahun 2022 Summary of HC Recruitment in 2022

Level Pekerjaan
FTE % Gender FTE %
Job Level
BOC 8 2,4 Laki-laki|Male 222 66,5
BOD 3 0,9 Perempuan|Female 112 33,5
Head of L1 3 0,9 Total 334 100,0%
Head of L2 15 4,5 Jabatan
FTE %
Branch Manager 7 2,1 Role
Sub Branch Manager 10 3,0 Corporate Leadership 11 3,3
Operation Supervisor 4 1,2 Senior Management 4 1,2
Team Leader 4 1,2 Middle Management/Professional 24 7,2
Other Officer 169 50,6 Junior Management / Professional 180 53,9
Clerical 111 33,2 Staff 115 34,4
Total 334 100,0 Total 334 100,0
Generasi
FTE %
Generation
Generasi X | X Generation 21 6,3
Generasi Y (Milenial) | Y Generation (Milenial) 218 65,3
Generasi Z (Centennials) | 92 27,5
Z Generation (Centennial)
Baby Boomers 3 0,9
Total 334 100,0
SISTEM PENILAIAN KINERJA PERFORMANCE APPRAISAL SYSTEM

Dalam penerapan sistem penilaian kinerja untuk BMI employs a Performance Management System to
karyawan, BMI menggunakan Performance Management implement an employee performance appraisal system
System (PMS). Penilaian tersebut dilaksanakan (PMS). The assessment is based on the Most Important Goals
berdasarkan Most Important Goals (MIG) yang telah (MIG) determined at the start of the year and then reviewed
ditentukan pada awal tahun, selanjutnya ditelaah pada in the middle and end of the year via the Human Capital
pertengahan dan akhir tahun melalui Human Capital Information System (Muamalat Human Power/MHP).
Information System (Muamalat Human Power/MHP).

Proses penilaian kinerja karyawan juga dilaksanakan secara Employee performance is also assessed in stages, beginning
berjenjang, mulai dari penilaian mandiri (self-assessment) with employee self-assessment and evaluation of direct
oleh karyawan dan evaluasi atasan langsung (manager- superiors (manager assessment) and progressing to review
assessment) kemudian dikaji dan dievaluasi oleh pimpinan and evaluation by heads of higher work units up to the
unit kerja yang lebih tinggi sampai dengan Direksi. Sistem Board of Directors. This system was developed with the
ini dibentuk dengan tujuan untuk memastikan goal of ensuring that employee performance is aligned with
kinerja karyawan selaras dengan kinerja Perusahaan, the Company's performance, encouraging, motivating, and
mendorong, memotivasi, dan mengarahkan karyawan untuk directing employees to always improve their performance,
selalu meningkatkan kinerjanya, serta mewujudkan hubungan and establishing a clear relationship between achieving
yang jelas antara pencapaian rencana karyawan dengan employee goals and employee career development (position
pengembangan karier karyawan (promosi jabatan). promotion).
PENGEMBANGAN KARIER CAREER DEVELOPMENT

Manajemen pengembangan karier BMI bertujuan untuk BMI's career development management aims to ensure
memastikan ketersediaan karyawan dengan kualifikasi the availability of qualified and experienced employees.
dan pengalaman yang tepat. Kemudian, meningkatkan Furthermore, increasing employee job satisfaction and
kepuasan kerja karyawan, serta membantu karyawan dalam assisting employees in understanding career opportunities
memahami peluang karier dan menentukan jalur karier and deciding on a career path.
yang dipilih.
Pengembangan karier ini secara konsisten membantu This career development consistently helps employees
karyawan dalam memahami potensi dan keahliannya, understand their potential and expertise, assisting in
sehingga membantu pencapaian tujuan individu dan achieving individual and Bank goals in a mutually beneficial
Bank sebagai hubungan timbal balik yang bermanfaat relationship for employee welfare and corporate goals.
bagi kesejahteraan karyawan dan tujuan perusahaan. Implementing good career development management
Terlaksananya manajemen pengembangan karier yang baik practices can reduce turnover rates and labor costs,
dapat menurunkan tingkat turnover, dan menurunkan biaya particularly the budget for training new employees.
tenaga kerja, khususnya anggaran untuk mendidik karyawan
baru.
BMI juga menerbitkan dan menerapkan kebijakan mutasi, BMI also publishes and implements policies on transfer,
promosi, dan demosi. Hal ini dilakukan agar seluruh promotion, and demotion. This is done so that all employees
karyawan mendapatkan informasi yang jelas dan transparan receive clear and transparent information about the detailed
mengenai mekanisme pengembangan karier secara career development mechanism.
terperinci.
Dalam penerapannya, pengembangan karier karyawan In practice, employee career development has been aided
telah didukung dengan sistem SDM berbasis teknologi by Muamalat Human Power (MHP), a technology-based
yang dimiliki oleh BMI yaitu Muamalat Human Power (MHP). HC system owned by BMI. One of them is the e-movement
Salah satunya adalah menu e-movement yang dapat diakses menu, which line managers can access for each employee.
manajer lini setiap karyawan. Dengan demikian, pengajuan As a result of their digital nature, mutation applications can
mutasi dapat diproses dengan lebih efisien dan efektif be processed more efficiently and effectively. Employees
karena berbasis digital. Adapun proses promosi dan demosi are promoted and demoted based on submissions from
karyawan dilakukan melalui pengajuan dari pimpinan unit the heads of related work units for further evaluation and/
kerja terkait untuk selanjutnya dilakukan evaluasi dan/ or assessment, considering employee performance and
atau asesmen dengan mempertimbangkan kinerja dan competence.
kompetensi karyawan.

SERIKAT PEKERJA DAN HUBUNGAN LABOR UNIONS AND INDUSTRIAL RELATIONS

INDUSTRIAL
Sejalan dengan peraturan perundang-undangan, BMI In line with laws and regulations, BMI always upholds the
senantiasa menjunjung kebebasan karyawan untuk freedom of employees to assemble, associate, and express
berkumpul, berserikat, dan mengemukakan pendapatnya. their opinions. Workers can easily register and join the
Pekerja dapat secara mudah mendaftarkan diri dan membership of Trade Union. The Bank's labor' union is
bergabung dalam keanggotaan Serikat Pekerja. Serikat Syarikat Pejuang Muamalat (SP Muamalat), registered with
pekerja Bank bernama Syarikat Pejuang Muamalat (SP the South Jakarta Municipal Manpower Office with record
Muamalat), yang telah tercatat pada Suku Dinas Tenaga Kerja number No. 804/SP/JS/II/2018 dated February 28, 2018.
Kotamadya Jakarta Selatan dengan nomor bukti pencatatan
No. 804/SP/JS/II/2018 tanggal 28 Februari 2018.
Keberadaan Serikat Pekerja tersebut merupakan mitra The existence of Labor Union is a strategic partner of the Bank
strategis Bank dalam menciptakan hubungan industrial in establishing a quality and harmonious industrial relations.
yang berkualitas dan harmonis. Serikat Pekerja dapat Labor unions can be the best communication channel for
menjadi saluran komunikasi terbaik untuk menjaga dan maintaining and paying attention to bank employees' rights,
memperhatikan hak-hak karyawan Bank serta menciptakan as well as creating harmonious and fair working relationships
hubungan kerja yang harmonis, selaras dan berkeadilan within the Bank to increase productivity and engagement.
di lingkungan Bank, sehingga dapat meningkatkan The Bank has consistently provided strong support for all
produktivitas dan engagement. Bank selalu memberikan Labor Union activities.
dukungan baik atas setiap kegiatan-kegiatan Serikat Pekerja.

Bank mendasarkan pelaksanaan hubungan industrial pada The Bank bases the implementation of industrial relations
prinsip kesetaraan, kewajaran, rasa keadilan serta nilai-nilai on the principles of equality, fairness, a sense of justice, and
kemanusiaan. Prinsip-prinsip tersebut diwujudkan dalam human values. These principles are embodied in a Collective
suatu Perjanjian Kerja Bersama (PKB) atau yang disebut Labor Agreement (PKB) or what is known as Ittifaq Muamalat,
sebagai Ittifaq Muamalat yang disepakati bersama antara which is mutually agreed upon between management and
manajemen dan pihak karyawan yang diwakili oleh Serikat employees represented by the Muamalat Fighters Union
Pejuang Muamalat (Serikat Pekerja). (Labor Union).

Jika terjadi perselisihan hubungan industrial terkait If there is an industrial relations dispute involving labor, the
dengan ketenagakerjaan, penanganan kasusnya dilakukan case is handled in accordance with statutory provisions.
melalui proses yang sesuai dengan ketentuan perundang- The resolution is prioritized bipartite/internally within
undangan. Penyelesaiannya diutamakan secara bipartit/ the company without the involvement of third parties. In
internal perusahaan tanpa melibatkan pihak ketiga. Pada 2022, a lawsuit was filed against BMI regarding the issue of
tahun 2022, terdapat gugatan kepada BMI terkait dengan outsourcing, and the case was declared closed at the time
isu alih daya yang saat ini kasusnya sudah dinyatakan because the plaintiff withdrew the lawsuit. Taking lessons
selesai, karena pada akhirnya pihak penggugat mencabut from the emergence of this lawsuit, BMI always reviews
gugatannya. Mengambil pelajaran dari munculnya gugatan the outsourcing application to ensure that it is always in
ini, BMI senantiasa melakukan peninjauan kembali terhadap accordance with the applicable laws and regulations.
penerapan alih daya agar senantiasa sejalan dengan
peraturan perundangan yang berlaku.
KETERLIBATAN KARYAWAN EMPLOYEE ENGAGEMENT

Program keterlibatan karyawan atau employee engagement The employee engagement program allows BMI to engage
merupakan sarana BMI untuk melibatkan peran aktif employees in various activities aimed at increasing
karyawan dalam mengikuti beragam kegiatan yang bertujuan productivity, discipline, employee loyalty, company
meningkatkan produktivitas, kedisiplinan, loyalitas karyawan, profitability, and customer satisfaction and loyalty. This
profitabilitas perusahaan, serta meningkatkan kepuasan program is implemented through digital technology,
dan loyalitas konsumen. Program ini direalisasikan dengan resulting in widespread employee participation in all Bank
memanfaatkan teknologi digital, sehingga keterlibatan representative offices.
karyawan menjadi sangat luas di seluruh kantor perwakilan
Bank.

Keterlibatan seluruh karyawan dan jajaran Direksi Employees and members of the Board of Directors must
dalam semua program employee engagement menjadi participate in all employee engagement programs. For this
hal yang sangat penting. Karena itulah, setiap kegiatan reason, all activities are communicated to employees via all
dikomunikasikan kepada karyawan melalui semua kanal communication channels. These initiatives were undertaken
komunikasi. Upaya tersebut dilakukan untuk meningkatkan in order to increase employee participation.
partisipasi karyawan.
Dalam pelaksanaannya, program keterlibatan karyawan In practice, the employee engagement program is divided
untuk mendukung tujuan utama dari Employee Engagement into three sections to support the main goal of employee
kemudian dibagi menjadi beberapa bagian: Spiritual engagement: spiritual engagement, emotional engagement,
Engagement, Emotional Engagement, dan Rational Engagement, and rational engagement, as shown in the table below.
yang dijelaskan dalam tabel di bawah ini.
Program Penjelasan Description
Spiritual Keikutsertaan atau keterlibatan karyawan secara spiritual. Engagement or spiritual engagement of employees. The
Engagement Program spiritual engagement, antara lain melalui kajian spiritual engagement program includes a study of the
masjid Al-Muamalah dan pengajian Al-Wiqoyah yang Al-Muamalah mosque and Al-Wiqoyah recitations, which
dilaksanakan secara berkala. Kegiatan ini melibatkan are held regularly. This activity involves all employees,
seluruh karyawan, keluarga karyawan, nasabah, alumni, employees' families, customers, alumni, and Bank
dan anak perusahaan Bank melalui virtual. Masyarakat subsidiaries via virtual. The public can also view the review
umum juga dapat menyaksikan video kajian tersebut video on the Bank's YouTube channel, Kajian Muamalat.
melalui channel Youtube Bank: Kajian Muamalat. Channel The Kajian Muamalat YouTube channel also includes the
Youtube kajian Muamalat juga berisi video My Hijrah My My Hijrah My Adventure (MHMA) video, which depicts a
Adventure (MHMA) yang merupakan perjalanan hijrah customer's migration journey or someone who can inspire
nasabah atau seseorang yang dapat memberikan inspirasi people who watch the video to emigrate. Another spiritual
untuk berhijrah bagi masyarakat yang melihat tayangan activity is tahajud on call, which is held regularly for all
video tersebut. Aktivitas spiritual lain adalah tahajud on call employees and their families.
yang dilaksanakan secara berkala untuk seluruh karyawan
dan keluarga karyawan.
Emotional Bertujuan menumbuhkan antusiasme untuk bekerja dan Aiming to foster enthusiasm for work as well as
Engagement antusiasme terhadap organisasi. Kegiatan emotional enthusiasm for the organization. CERIA (Cerita Apa Aja)
engagement antara lain CERIA (Cerita Apa Aja) yang is an Employee Assistance Program (EAP) that allows
merupakan Employee Assistancy Program (EAP), memberikan employees with problems to consult with a psychologist to
kesempatan kepada karyawan yang mempunyai masalah resolve the problem without affecting their performance.
untuk berkonsultasi dengan psikolog, harapannya agar Furthermore, a financial planning program provides
masalahnya dapat teratasi dan tidak mempengaruhi financial planning training to grasp and understand how
kinerjanya. Di samping itu, terdapat program financial to manage employee financial cash flow. Another activity
planning yang merupakan pelatihan perencanaan is "CEO Greeting," a non-monetary program provided to
keuangan agar dapat memahami dan mengerti dalam employees to maximize their contribution to the bank.
mengatur arus kas keuangan karyawan. Kegiatan lainnya
adalah “CEO Menyapa” yang merupakan non-monetary
program yang diberikan kepada karyawan atas kontribusi
optimal yang diberikan bagi Bank.
Rational Ditujukan agar karyawan memahami dengan baik peran It is intended to help employees understand their roles
Engagement dan tanggung jawab mereka. Kegiatan rational engagement and responsibilities. The Muamalat Club conducts rational
merupakan kegiatan yang dilaksanakan oleh Muamalat engagement activities at the headquarters and in all Bank
Club baik yang berada di kantor pusat maupun di seluruh Muamalat branches. The Muamalat Virtual Ride (MVR) and
cabang Bank Muamalat. Kegiatan Muamalat Club antara the Harmoni Muamalat Virtual Charity Concert are two
lain Muamalat Virtual Ride (MVR) dan Virtual Charity Concert Muamalat Club activities that aim to collect donations to be
Harmoni Muamalat, yang bertujuan mengumpulkan distributed to those in need. A virtual basketball coaching
donasi untuk disalurkan kepada yang membutuhkan. clinic is another activity. The program's goal is to improve
Kegiatan lainnya adalah basketball virtual coaching employee fitness during the transition period.
clinic. Program tersebut bertujuan untuk meningkatkan
kebugaran karyawan di masa new normal.
Bank melakukan rational engagement kepada para alumni The Bank engages in rational engagement with alumni
dan keluarga karyawan dengan menciptakan M-Shop and employees' families by establishing the M-Shop
Muamalahplace untuk mendukung UMKM, khususnya Muamalahplace to assist MSMEs, particularly alumni
bagi alumni karyawan dan keluarga karyawan agar employees and employees' families, grow their businesses.
meningkatkan bisnis mereka. Dengan memberikan Apart from maintaining friendly relations, the Bank will
dukungan ini, selain dapat menjaga silaturahmi, Bank juga gain a sense of growth and positive branding from alumni
akan memperoleh pertumbuhan rasa dan positif branding and employees' families by providing this assistance.
dari para alumni dan keluarga karyawan.

PROGRAM PENSIUN PENSION PROGRAM

Untuk memfasilitasi karyawan yang akan memasuki masa BMI has had a Retirement Preparation Period Program
pensiun, BMI telah memiliki Program Masa Persiapan Purna (MPPK) since 2017 to help employees who are about to
Karya (MPPK) sejak 2017. Program ini bertujuan menyiapkan retire. This program aims to develop a strategy for providing
program pemberian benefit setelah berakhirnya hubungan benefits following the termination of a working relationship
kerja atau masa pensiun. MPPK diharapkan dapat or retirement. MPPK is expected to improve employees'
meningkatkan kesiapan mental karyawan dalam menghadapi mental preparedness for the changes during retirement,
perubahan yang terjadi saat pensiun serta memberikan provide motivation to remain optimistic, have a positive
motivasi untuk tetap optimis, memiliki paradigma yang paradigm as a retiree, and manage the time available to live
positif sebagai pensiunan serta dapat mengelola waktu yang with enthusiasm.
tersedia untuk tetap hidup dengan semangat.
Karyawan yang mengambil program MPPK tidak diwajibkan Employees enrolled in the MPPK program are not required to
berada di lingkungan kerja, namun tetap mendapatkan work, but they do receive wages and benefits as employees.
upah dan benefit sebagai karyawan. Program MPPK berjalan The MPPK program lasts a minimum of 3 (three) months
selama minimal 3 (tiga) bulan dan maksimal 6 (enam) and a maximum of 6 (six) months before retirement age.
bulan sebelum usia pensiun. Karyawan peserta program Employees participating in the program are trained and
tersebut mendapatkan pelatihan dan dibekali ilmu terkait equipped with knowledge about retirement planning and
perencanaan dan aktivitas bermanfaat yang dapat dijalankan useful activities.
pada masa pensiun.
Selain itu, BMI memberikan apresiasi Long Service Award Furthermore, BMI provides Long Service Award recognition
dalam bentuk logam mulia bagi karyawan Bank yang in the form of precious metals to bank employees who retire
pensiun di BMI dengan masa kerja di atas 20 tahun. Selama with more than 20 years of service at BMI. In 2022, there
tahun 2022, terdapat 7 (tujuh) karyawan yang memasuki were 7 (seven) employees entering retirement age.
masa pensiun.
PEMBENTUKAN LINGKUNGAN KERJA YANG ESTABLISHMENT OF A CONDUSIVE WORK

KONDUSIF ENVIRONMENT
Lingkungan kerja yang kondusif di BMI diciptakan sesuai A conducive work environment at BMI was created in
dengan values Bank Muamalat, yaitu IDEAL: Islami, Modern, accordance with Bank Muamalat's values, namely IDEAL:
dan Profesional serta sesuai dengan brand promise “IDEAL Islamic, Modern, and Professional, and in accordance with
Place to Work”. Untuk menciptakan itu, Bank sangat the brand promise "IDEAL Place to Work." To achieve this,
perhatian dengan worklife balance yang dilakukan melalui the Bank is very concerned with work-life balance, which is
employee engagement program baik spiritual, emosional, dan achieved through spiritual, emotional, and rational employee
rasional. engagement programs.
Spiritual Program yang dilaksanakan bertujuan untuk The Spiritual Program implemented aims to bring balance to
menyeimbangkan kehidupan karyawan. Tidak hanya the employees' lives. Following Islamic values, not only work
bekerja, tetapi juga bisa beribadah yang dapat meningkatkan but also worship can increase faith and laughter toward Allah
keimanan dan ketawaan terhadap Allah SWT sesuai dengan SWT. Kajian Rutin, Qiyamul Lail: Kuketuk Pintu LangitMu,
values Islami. Program spiritual tersebut, antara lain: Kajian Al Wiqoyah Recitation, and Tahsin classes are among the
Rutin, Qiyamul Lail: Kuketuk Pintu LangitMu, Pengajian Al spiritual programs offered.
Wiqoyah, dan kelas tahsin.
Rational Program dilakukan melalui wadah Muamalat The Rational Program is carried out through the Muamalat
Club. Tujuannya untuk memberikan keseimbangan antara Club. The aim is to provide a balance between professional
kehidupan profesional dengan kesempatan untuk tetap life and the opportunity to maintain a healthy lifestyle. The
menyeimbangkan - pola hidup sehat. Adapun kegiatan yang activities included the Muamalat Merdeka Fun Walk, the
dilakukan, seperti: Muamalat Merdeka Fun Walk, Muamalat Muamalat Adventure Club, the Merdeka Futsal Tournament,
Adventure Club, Turnamen Futsal Merdeka, Turnamen the Merdeka Pingpong Tournament, the Merdeka Badminton
Pingpong Merdeka, Turnamen Badminton Merdeka, dll. Tournament, etc.
Selain itu untuk mendukung kesehatan mental karyawan, In addition to supporting employees' mental health, the Bank
Bank memberikan fasilitas konseling dengan psikolog provides counseling facilities with professional psychologists
profesional melalui program DigiCeria (Digital Cerita Apa through the DigiCeria program (Digital Stories Anything).
Aja).

Emotional Program dilakukan untuk memberikan kesempatan The Emotional Program is implemented to allow employees
kepada karyawan untuk dapat berbagi pengetahuan atau to share knowledge or participate in social activities that
melakukan kegiatan sosial yang dapat membantu sesama. benefit others. In terms of activities, CSR for Employees
Adapun kegiatannya, seperti: CSR for Employee, yang terdiri includes the Principal, Planet, and People. The principal is
dari Principal, Planet, dan People. Principal dilakukan melalui carried out through the Geulis CSR program - Sharia Literacy
program CSR Geulis - Gerakan Literasi Syariah, Planet seperti Movement, Planet, such as the Clean Mosque Movement,
Gerakan Bersih Masjid, dan People seperti gerakan donor and People, such as the blood donation movement.
darah.
Dalam rangka menciptakan lingkungan kerja yang kondusif In order to create a conducive work environment and
untuk meningkatkan produktivitas, Bank memanfaatkan increase productivity, the Bank utilizes the use of media or
penggunaan media atau sarana komunikasi yang dimiliki communication facilities with the following details:
dengan rincian sebagai berikut:
1. Aplikasi chat group yang memungkinkan karyawan untuk 1. Group chat application that allows employees to
mendapatkan informasi, instruksi, berita secara cepat get information, instructions, and news quickly and
dan lengkap. completely.
2. E-mail Blast yang mengirimkan informasi-informasi terkini 2. E-mail Blast, which sends up-to-date information to all
kepada seluruh karyawan melalui fasilitas email kantor. employees via work email facilities.
3. Muamalat Human Power (MHP) untuk mengakses 3. Muamalat Human Power (MHP) to gain access to
pengumuman-pengumuman penting dan peraturan- important announcements and the most recent
peraturan terbaru, yang juga tersedia dalam versi mobile. regulations, which are also available in a mobile version.
4. M-Channel pada televisi di setiap ruang breakout Muamalat 4. M-Channel on television in each breakout room of
Tower, yang memungkinkan karyawan mendapatkan Muamalat Tower, which allows employees to get
informasi terkait program, produk dan pengetahuan- information regarding the latest programs, products,
pengetahuan terbaru yang berkaitan dengan and knowledge related to employee development.
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 Fraud Awareness.
6. CEO Message adalah informasi yang disampaikan dalam 6. The CEO Message is information conveyed on specific
kesempatan-kesempatan khusus yang memerlukan occasions that necessitate direct explanation from the
penjelasan langsung dari CEO. CEO.
7. Untuk informasi-informasi terkait strategi Bank 7. For more formal information related to the Bank's
yang lebih formal, dilakukan melalui acara sharing strategy, it is carried out through sharing sessions
session antara manajemen dan karyawan di seluruh unit between management and employees in all work units
kerja dan dikemas dalam bentuk town hall meeting dan and packaged in the form of town hall meetings and BOD
BOD road show yang diikuti oleh karyawan di unit kerja roadshows attended by employees in the work units
yang dikunjungi. visited.
PROGRAM PENGEMBANGAN KOMPETENSI COMPETENCE DEVELOPMENT PROGRAM

Untuk memiliki keunggulan kompetitif, BMI meyakini BMI believes that in order to maintain a competitive
bahwa SDM harus memiliki keahlian dan kompetensi yang advantage, human capital must possess the skills and
dibutuhkan oleh Bank, baik dalam rangka mendukung competencies required by the Bank, to support current
strategi dan sasaran bisnis saat ini maupun masa yang akan and future business strategies and goals. To that end, the
mendatang. Untuk itu, Bank mengembangkan kompetensi Bank develops the necessary HC competencies through an
SDM yang dibutuhkan melalui pendekatan terintegrasi integrated approach that reflects the needs of individual
yang dirancang dengan memperhatikan kebutuhan individu employees, the organization, employee succession planning,
karyawan, organisasi, perencanaan suksesi karyawan, and short and long-term business goals.
dan sasaran bisnis dalam jangka pendek maupun jangka
panjang.
Pengembangan karyawan berbasis kompetensi ini ditujukan This competency-based employee development is intended
untuk mendukung karyawan menjalankan pekerjaannya to help employees perform their jobs optimally, which can
secara optimal yang pada akhirnya dapat membantu help the Bank meet its objectives. The Bank is committed
Bank dalam mewujudkan tujuannya. Bank berkomitmen to giving all employees equal opportunities to advance

memberikan kesempatan yang sama kepada setiap and develop based on their potential, skills, and available
karyawan untuk maju dan berkembang sesuai dengan opportunities as needed. The Bank also always concerned
potensi, keahlian, dan kesempatan yang tersedia sesuai with gender equality and equal opportunity for all employee
dengan kebutuhan. Bank selalu memperhatikan kesetaraan positions, including newly hired staff and officers.
gender dan persamaan kesempatan bagi seluruh jenjang
jabatan karyawan Bank, termasuk bagi karyawan yang baru
direkrut baik staf maupun officer.
Bank menerjemahkan berbagai tantangan yang dihadapi The Bank translates various banking industry challenges and
dan dibutuhkan industri perbankan ke dalam materi requirements into HC competency development program
program pengembangan kompetensi SDM. Pelakanaannya materials. To encourage the achievement of optimal learning
direalisasikan menggunakan kanal pembelajaran dengan process objectives, implementation is realized through
pihak internal dan eksternal guna mendorong pencapaian learning channels with internal and external parties.
tujuan proses pembelajaran yang optimal.
Kaitannya dalam menghadapi tantangan era revolusi The Bank has prepared adequate infrastructure and
industri, Bank telah menyiapkan infrastruktur dan program programs to adapt to the changes that have occurred in
yang memadai untuk beradaptasi dengan perubahan order to face the challenges of the industrial revolution
yang terjadi. Hal itu dilakukan dengan mengoptimalkan era. This is accomplished by optimizing digital platform
penggunaan sarana komunikasi digital platform yang dapat communication facilities that can be accessed anywhere at
diakses di mana saja dan kapan saja sehingga proses any time, resulting in a more effective and efficient learning
pembelajaran menjadi efektif dan efisien. process.
INVESTASI PENGEMBANGAN SDM INVESTMENT IN HC DEVELOPMENT

BMI mengalokasikan investasi pengembangan SDM sebesar BMI invests 5% of total labor cost (BTK) in HC development
5% dari total Biaya Tenaga Kerja (BTK), sesuai dengan in accordance with Financial Services Authority (OJK)
peraturan Otoritas Jasa Keuangan (OJK). Anggaran tersebut regulations.
disalurkan untuk program pelatihan dan pengembangan. The budget is allocated to fund training and development
Biaya pendidikan dan pelatihan tahun 2022 (data sampai initiatives. In 2022, the cost of education and training
dengan YTD Q3 2022) adalah Rp29,93 miliar (termasuk amounted to Rp29.93 billion (data up to YTD Q3 2022).
program magang dan management trainee). (including apprenticeship and management trainee
programs).
Fokus pembelajaran selama tahun 2022 diarahkan pada In 2022, the emphasis on learning was on mandatory
program sertifikasi wajib, pengembangan, akselerasi certification programs, development, acceleration, and
dan online learning. Program tersebut disusun dengan online learning. The program is structured with the
memperhatikan efektivitas, efisiensi, dampak, dan tujuan effectiveness, efficiency, impact, and learning objectives to
pembelajaran yang ingin dicapai. be achieved.
Total man days learning pada tahun 2022 mencapai Total man-days learning in 2022 reached 8.91 (up to
8,91 (posisi sampai dengan Bulan November 2022), November 2022), a 0.61 increase over the realization in 2021,
meningkat 0,61 dibandingkan dengan realisasi tahun 2021 which was 8.3. (YoY November). The number of man-days
yang 8,3 (YoY November). Angka man days tersebut terbagi is divided into 2 (two) training methods: 30% using digital
ke dalam 2 (dua) metode pelatihan: menggunakan digital learning or 2.66 man-days learning, and the remaining 70%
learning sebesar 30% atau 2,66 man days learning dan using face-to-face methods or 6.25 man-days learning.
sisanya yang 70% masih menggunakan metode tatap muka
atau sebesar 6,25 man days learning.

Peningkatan penyerapan biaya pelatihan dan man Increased absorption of training costs and man-days of
days learning menunjukkan komitmen Bank dalam learning demonstrates the Bank's commitment to human
pengembangan SDM melalui media atau fasilitas yang capital development via media or company facilities. The
tersedia di perusahaaan. Rincian man days learning Bank table below summarizes the Bank's man-days learning in
pada tahun 2022 (posisi YTD November 2022) berdasarkan 2022 (position YTD November 2022) by the directorate,
direktorat, level organisasi dan lokasi kerja disampaikan organizational level, and work location.
dalam tabel di bawah ini.
Man Days Learning berdasarkan Direktorat Man Days Learning based on Directorate
Rata-rata Man Days
Direktorat Directorate
Average Man Days
Board 0,69 Board

CEO Directorate 4,95 CEO Directorate
Compliance, Risk & Legal Directorate 5,14 Compliance, Risk & Legal Directorate
Finance Directorate 3,37 Finance Directorate
Financing Directorate 5,37 Financing Directorate
Human Capital Directorate 6,85 Human Capital Directorate
Operation Directorate 7,86 Operation Directorate
Retail Banking Directorate 10,59 Retail Banking Directorate
Wholesale Banking Directorate 7,41 Wholesale Banking Directorate
Trainee Program 41,96 Trainee Program
Total 8,91 Total
Man Days Learning Berdasarkan Level Organisasi Man Days Learning Based on Organization Level
Rata-rata Man Days
Level Level
Average Man Days
Board 0,69 Board

Senior Management 10,09 Senior Management
Middle Management 10,05 Middle Management
Junior Management 7,92 Junior Management
Staff 9,38 Staff
Total 8,91 Total
Man Days Learning Berdasarkan Lokasi Kerja Man Days Learning Based on Work Location
Rata-rata Man Days
Regional Region
Average Man Days
Kantor Pusat 7,17 Head Office

Jakarta Timur 10,18 East Jakarta
Jakarta Barat 10,48 West Jakarta
Jawa Barat & Kalimantan 1 8,61 West Java & Kalimantan 1
Jawa Tengah, DI Yogyakarta & Kalimantan 2 10,67 Central Java, DI Yogyakarta & Kalimantan 2
Jawa Timur, Bali & Nusa Tenggara 9,78 East Java, Bali & Nusa Tenggara
Sulawesi, Maluku & Papua 8,18 Sulawesi, Maluku & Papua
Sumatera 9,58 Sumatera
Cabang Luar Negeri 2,82 Overseas Branch
Total 8,91 Total

SISTEM DAN MEKANISME REWARD DAN EMPLOYEE REWARD AND PUNISHMENT

PUNISHMENT KEPADA KARYAWAN SYSTEM AND MECHANISMS
BMI senantiasa menelaah penerapan reward and BMI constantly reviews the implementation of rewards
punishment secara berkelanjutan agar setiap kebijakan yang and punishments to ensure that each policy implemented
diakukan bukan hanya konsistensi terhadap penerapan is consistent with the application of sanctions in cases
sanksi atas kasus-kasus pelanggaran, namun mampu of violations and capable of encouraging the Bank's
mendorong pertumbuhan kinerja Bank. BMI akan performance to grow. BMI will appreciate employees who
memberikan apresiasi kepada karyawan dengan kinerja have excellent performance and exceed their goals.
sangat baik dan melebihi target yang ditentukan.
Selain reward yang sifatnya berupa remunerasi finansial, In addition to rewards, there are benefits and career
tetapi juga berupa benefit dan pengembangan karier bagi development opportunities for employees who contribute
karyawan yang memberikan kontribusi kepada Bank. to the Bank. On the other hand, the Bank has a Performance
Pada sisi lain, Bank juga mempunyai Program Performance Improvement Plan (PIP) Program for employees who fail to
Improvement Plan (PIP) bagi para karyawan yang tidak meet agreed-upon and predetermined targets. Employees
mencapai target yang telah disepakati dan ditentukan should be able to return to achieving predetermined targets
sebelumnya. Dengan program ini, diharapkan setelah after regular training, monitoring, and evaluation under this
dilakukan pembinaan, monitoring dan evaluasi secara program.
berkala karyawan dapat kembali mencapai target yang telah
ditentukan.
ASESMEN KARYAWAN EMPLOYEE ASSESMENT

Bank telah memiliki kebijakan asesmen untuk karyawan dan The Bank has an employee assessment policy that is followed
dilakukan secara berkala setiap tahun demi kepentingan on a yearly basis to fulfill talent management and succession
pemenuhan manajemen talenta dan suksesor dari posisi for key positions in each work unit. The assessment consists
kunci untuk setiap unit kerja. Asesmen terdiri atas 2 (dua) of 2 (two) area sizes: performance assessment, which is
besaran area, yakni penilaian kinerja (performance) yang periodically carried out on a semesterly basis, and potential
dilakukan secara berkala setiap semester dan penilaian assessment, which focuses on LEAD3A: Leadership, Ability,
potensi yang berfokus kepada LEAD3A: - Leadership, Ability, Agility, & Ambition and is carried out by the leadership with
Agility & Ambition yang dilakukan oleh pimpinan dengan tiers of approval based on the organization's level.
persetujuan berjenjang sesuai dengan tingkatan organisasi.
Proses asesmen karyawan dilakukan untuk memastikan The employee assessment process is carried out to ensure
kompetensi dan kapabilitasnya sesuai kebutuhan Bank. competence and capabilities in accordance with the Bank's
BMI melakukan asesmen karyawan dengan pendekatan needs. BMI conducts employee assessments using the Key
Key Performance Indicators (KPI), yang disusun berdasarkan Performance Indicators (KPI) approach, which is based
target kinerja Bank, target kinerja unit terkait maupun on the Bank's performance targets and related unit and
individu yang diselaraskan dengan tujuan dan strategi Bank individual performance targets aligned with the Bank's goals
serta mempertimbangkan aspek risiko dan kepatuhan. and strategy and takes the risk and compliance aspects into
account.
Asesmen karyawan dilakukan dalam beberapa siklus human Employee assessment occurs throughout several human
capital, di antaranya dalam proses pengembangan karier capital cycles, including career development and talent
dan identifikasi talenta. Dalam hal pengembangan karier, identification. Job grade, employee performance history,
terdapat beberapa aspek yang digunakan sebagai acuan competency, employee disciplinary records, and assessment
antara lain job grade, histori kinerja karyawan, kompetensi, results from related work leaders are all used as references
catatan kedisiplinan karyawan serta hasil evaluasi dari in terms of career development.
pimpinan kerja terkait.
Adapun dalam proses identifikasi talenta, acuan yang The results of year-end performance appraisals and
digunakan adalah hasil penilaian kinerja akhir tahun dan evaluations of employee potential are used as a reference
evaluasi potensi yang dimiliki oleh karyawan. Identifikasi in the talent identification process. All heads of work units
talenta dilakukan secara periodik 1 (satu) tahun sekali conduct talent identification for their subordinates once
oleh seluruh pimpinan unit kerja terhadap subordinatnya a year. This process refers to the company's promotion,
masing-masing. Seluruh proses ini mengacu pada kebijakan demotion, and talent management policies.
promosi, demosi dan manajemen talenta yang berlaku di
perusahaan.

FASILITAS DAN KESEJAHTERAAN FACILITIES AND WELFARE

Penentuan kompensasi, program kesejahteraan dan fasilitas Determination of compensation, welfare programs, and
bagi karyawan Bank, antara lain mengacu kepada Undang- facilities for bank employees, among other things, refers to
Undang No. 13 tahun 2003, Undang-Undang No. 11 tahun Law No. 13 of 2003, Law No. 11 of 2020, and all implementing
2020 dan seluruh aturan pelaksanaannya, termasuk regulations, including compliance with District/City Minimum
pemenuhan ketentuan Upah Minimum Kabupaten/Kota dan Wage and Provincial Minimum Wage provisions. The Bank
Upah Minimum Provinsi. Bank secara berkala melakukan reviews benefit programs regularly while adjusting to market
kajian terhadap program-program benefit dengan tetap conditions and future conditions and taking the Bank's
menyesuaikan keadaan pasar, kondisi mendatang dan tetap financial performance and long-term strategy into account.
memperhatikan kinerja keuangan Bank serta strategi jangka
panjang.
Selain kesejahteraan yang bersifat wajib seperti In addition to mandatory welfare programs such as BPJS,
BPJS, Bank juga memberikan menerapkan program the Bank also implements other welfare programs such
kesejahteraan lain, seperti flexible working hour, flexible as flexible working hours, flexible benefits for medical
benefit untuk medical insurance dan life insurance, pemberian insurance and life insurance, Eid al-Adha allowance, Hajj/
tunjangan Hari Raya Idul Adha, uang saku ibadah haji/ Umrah pilgrimage allowance, birth gifts, wedding gifts,
umrah, hadiah kelahiran, hadiah pernikahan, santunan bereavement compensation, assistance with children's
duka, bantuan biaya pendidikan anak, fasilitas olahraga, car education costs, sports facilities, a car ownership program,
ownership program, dan tunjangan lainnya. and other benefits.
Bank secara rutin mengadakan event dan seminar The Bank regularly holds events and seminars to support
dalam mendukung worklife balance pekerja serta workers' work-life balance and to improve their health and
peningkatan health and well-being pekerja. Kegiatan tersebut well-being. This activity featured speakers from practitioners,
mendatangkan pembicara dari kalangan praktisi, motivator, motivators, psychologists, and well-known influencers such
psikolog, maupun influencer yang sudah dikenal luas seperti as the M-Fit program, which specializes in healthy employee
program M-Fit, yaitu kompetisi karyawan sehat, kompetisi competitions, healthy branch competitions, healthy family
cabang sehat, reward keluarga sehat, dan konsultasi dokter rewards, and online doctor consultations (telemedicine).
secara online (telemedicine).
Melalui program DIGICERIA, Bank memberikan wadah untuk The Bank provides a location for employee counseling
melakukan konseling bagi para karyawan, yaitu kegiatan through the DIGICERIA program, which consists of
konsultasi/bantuan yang dilakukan untuk membantu consultation/assistance activities to assist workers in
mengatasi permasalahan pribadi pekerja yang berdampak overcoming personal problems that impact performance.
kepada kinerja. Bank juga mewajibkan block leave bagi The Bank also requires block leave for employees, a policy
pekerja, yaitu kebijakan untuk mengambil cuti selama of taking five consecutive working days off in a year to
5 hari kerja berturut-turut dalam 1 tahun dalam rangka improve employees' health and well-being. In accordance
meningkatkan kesehatan dan kesejahteraan bagi karyawan. with applicable laws, female employees are given maternity
Maternity leave juga diberikan kepada karyawan wanita sesuai leave, and male employees whose wives have given birth are
dengan undang-undang yang berlaku serta paternity leave given paternity leave.
untuk karyawan laki-laki yang istrinya melahirkan.
Bank melengkapi kebijakan tersebut dengan memberikan The Bank supplements this policy by providing special
fasilitas khusus berupa ruang laktasi yang berada di facilities for female employees, such as a lactation room
Muamalat Tower bagi bagi karyawan wanita sebagai at Muamalat Tower as an infrastructure for expressing
prasarana memerah ASI. Keberadaan ruang laktasi ini breast milk. The presence of this lactation room is critical to
penting untuk mendukung pemberian Air Susu Ibu (ASI) promoting exclusive breastfeeding. Furthermore, the Bank
eksklusif. Selain itu, Bank menyediakan childcare facilities provides childcare facilities in the form of Day Care, held
berupa Day Care yang diadakan saat menjelang Hari Raya in the office environment just before Idul Fitri, to provide
Idul Fitri di lingkungan kantor untuk memberikan rasa a sense of calm and security for female employees with
tenang dan aman bagi karyawan wanita yang mempunyai toddlers.
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
DEMOGRAFI SDM HC DEMOGRAPHY

Informasi lengkap mengenai hal ini disajikan dalam Bab Detailed information regarding this subject is presented in
“Profil Perusahaan”. the "Company Profile" Chapter.
STRATEGI DAN PROGRAM 2023 2023 STRATEGIES AND PROGRAMS

Pengembangan organisasi dan pencapaian kinerja melalui Organizational development and performance achievement
program pelatihan karyawan dan manajemen talenta will support the Bank's strategic priorities and focus in
yang efektif akan mendukung tercapainya prioritas 2023 through employee training programs and effective
strategi dan fokus Bank di tahun 2023. Pengembangan talent management. This development aims to produce
tersebut dimaksudkan untuk menyiapkan SDM yang andal, dependable, trustworthy, and productive human capital.
berintegritas tinggi, serta produktif.
Ketersediaan karyawan dengan kualifikasi tersebut seiring The availability of employees with these qualifications is
dengan jalannya pengelolaan organisasi berbasis teknologi consistent with the management of digital technology-
digital agar dapat mencapai tujuan yang telah ditetapkan based organizations in order to meet set goals and prepare
dan siap menghadapi era revolusi digital 4.0. Karena itu, for the digital revolution era 4.0. Therefore, the primary
proses pengembangan dan transformasi SDM dengan issue in developing human capital who are ready to
menyelaraskan kurikulum pendidikan dan pelatihan serta compete in an increasingly challenging era is developing
manajemen talenta menuju kualitas kompetensi yang andal and transforming human capital by aligning education and
merupakan hal utama dalam proses pengembangan SDM training curricula and talent management towards reliable
yang siap bersaing dalam era yang semakin menantang. quality competencies.

Untuk mendukung tercapainya tujuan dan fokus bisnis Bank The HC development strategy will prioritize the following 7
di tahun 2023: Margin Income, Cost of Fund, Aggressive Fee (seven) initiatives to support the achievement of the Bank's
Based Income dan Financing Growth, strategi pengembangan business objectives and focus in 2023, which include Margin
SDM akan memprioritaskan 7 (tujuh) inisiatif sebagai berikut: Income, Cost of Funds, Aggressive Fee Based Income, and
Financing Growth:
1. Program pengembangan dan pelatihan yang mendukung 1. Development and training programs that help the Bank's
penerapan visi dan misi Bank. vision and mission to be realized.
2. Peningkatan kompetensi soft skill dan technical skill, 2. Improving soft skill and technical skill competence,
sehingga mendorong produktivitas business function dan thereby increasing the productivity of business functions
key enabler function dengan optimalisasi digital blended and key enabler functions by optimizing the digital
learning platform. blended learning platform.
3. Peningkatan kompetensi digital, baik dari sisi mindset 3. Improving digital competency, both in terms of mindset
maupun skill set agar organisasi dapat bertransformasi and skill set, to enable organizations to transform and
dan bersaing dalam era teknologi finansial dan kebiasaan compete in the age of financial technology and the new
baru. normal.
4. Peningkatan kapasitas/kemampuan manajerial, 4. Enhanced managerial capacity/ability, leadership, and
kepemimpinan dan manajemen talenta. talent management.
5. Membangun kemampuan organisasi yang agile, 5. Develop agile, transformative, and competitive
bertransformasi dan bersaing dalam era teknologi organizational capabilities in an era of increasingly rapid
finansial yang semakin pesat. financial technology.
6. Meningkatkan keterlibatan dan keterlekatan karyawan 6. Increasing employee engagement and wellbeing, with
(employee engagement) dan wellbeing, bersama Senior the Senior Management Team (SMT), thereby increasing
Management Team (SMT), sehingga meningkatkan employer branding that is in line with corporate culture
employer branding yang sesuai dengan budaya and the brand promise "IDEAL Place to Work".
perusahaan dan brand promise “IDEAL Place to Work”.
7. Menyelaraskan kurikulum pengembangan dan pelatihan 7. Align the curricula for development and training with
dengan butir 1, 2, 3, 4, 5, dan 6. points 1, 2, 3, 4, 5, and 6.

Teknologi Informasi
Kebijakan pengembangan Teknologi The development policy of Information

Informasi (TI) PT Bank Muamalat Technology (IT) of PT Bank Muamalat
Indonesia (“BMI”, “Bank”) pada tahun Indonesia (“BMI,” “Bank”) in 2022 was
2022 direalisasikan dengan melakukan
pembaharuan, pengembangan
carried out by updating and developing
infrastructure, as well as using the latest
Rp
24,5
miliar | billion
infrastruktur dan penggunaan teknologi technology. The objective is to improve the
Investasi di bidang teknologi
terbaru. Ikhtiar ini dilakukan dalam performance of information technology informasi pada tahun 2022
rangka meningkatkan performa sistem systems that are strong and safe by Investment in information
technology in 2022
teknologi informasi yang tangguh dan referring to regulatory provisions in the
aman serta mengacu kepada ketentuan implementation and risk management
5
regulator dalam menjalankan penerapan when using the Bank’s information
dan pengelolaan manajemen risiko technology. penghargaan
penggunaan teknologi informasi Bank. awards
Di bidang teknologi informasi
pada tahun 2022
BMI menyadari bahwa TI yang andal, baik BMI realizes that reliable IT, both in terms In the area of information
dari sisi infrastruktur maupun aplikasi, of infrastructure and application, will technology by 2022
akan berperan penting dalam mendukung play an important role in supporting the
kelancaran kegiatan operasional Bank Bank’s smooth operations and services to
serta layanan kepada nasabah. Karena itu, customers. Therefore, the Bank continues
Bank terus mengikuti perkembangannya to follow the latest developments and
serta berupaya meningkatkan kapasitas strives to increase IT capacity.
TI.

Bank senantiasa melakukan pembaruan,

pengembangan infrastruktur dan penggunaan
teknologi terbaru guna meningkatkan performa
sistem teknologi informasi yang tangguh dan aman.
The Bank constantly updates, develops infrastructure and utilizes the latest technology
to improve the performance of a robust and secure information technology system.
Untuk mendukung pertumbuhan bisnis, Bank telah To support business growth, the Bank has launched
mencanangkan rencana dan strategi yang komprehensif, comprehensive plans and strategies as follows:
yaitu meliputi;
1. Pengembangan infrastruktur dan aplikasi yang 1. Developing infrastructure and applications, including
meliputi perangkat keras, perangkat lunak, jaringan hardware, software, telecommunication networks, and
telekomunikasi dan data center (serta disaster data centers (as well as disaster recovery centers), which
recovery center) yang selalu dalam keadaan optimal are always in optimal condition to support the Bank's
dalam mendukung operasional Bank serta mampu operations and anticipate business growth.
mengantisipasi pertumbuhan bisnis.
2. Menjamin ketersediaan sistem TI yang handal untuk 2. Ensuring the availability of reliable IT systems to
memberikan layanan yang cepat, efisien dan aman provide fast, efficient, and secure services in the Bank’s
dalam mencapai proses operasional dan Bisnis Bank operational processes and business, in accordance with
sesuai dengan target dan Services Level Agreement (SLA) the set targets and Service Level Agreement (SLA).
yang ditetapkan.
3. Melakukan pengelolaan dan pengendalian risiko 3. Performing operational risk management and control in
operasional sistem TI. the IT systems.
TATA KELOLA TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY GOVERNANCE

Kebijakan, pengelolaan dan perencanaan strategi Policy, management, and IT development strategic planning
pengembangan TI akan sejalan dengan strategi dan tujuan will align with the Bank’s strategies and business objectives.
bisnis yang akan dicapai oleh Bank. Melalui penerapan tata Through the implementation of good IT governance and
kelola TI yang baik dan sesuai aturan yang berlaku, hingga compliance with applicable regulations, it has been proven
saat ini telah terbukti mampu mendukung keberhasilan that good IT governance supports the success of the Bank’s
transformasi digital Bank. digital transformation.
Proses transformasi digital masih terus dikembangkan The digital transformation process is still being developed
hingga sekarang. Upaya tersebut bertujuan untuk today. This effort aims to build a more optimal sharia
menciptakan ekosistem digital syariah yang lebih optimal digital ecosystem by creating convenience and comfort in
dengan menciptakan kemudahan dan kenyamanan transactions through digital banking.
bertransaksi melalui digital banking.

Pengelolaan TI di BMI dilaksanakan oleh Divisi Teknologi IT management at BMI is carried out by the Information
Informasi dipimpin oleh seorang Kepala Divisi, dalam hal Technology Division and led by a Division Head, in this case,
ini Head Information Technology (IT). Kepala Divisi tersebut the Head of Information Technology (IT). The Head of the
bertanggung jawab langsung kepada Direktur Operasi. Division reports directly to the Director of Operations. As
Hingga akhir tahun buku 2022, Divisi Teknologi Informasi of the end of the fiscal year of 2022, the BMI Information
BMI didukung oleh 64 karyawan. Technology Division is supported by 64 employees.
Divisi Teknologi Informasi BMI memiliki Bank 5 (lima) sub- BMI’s Information Technology Division has 5 (five) sub-units:
unit: IT Operation, IT Governance & Security, IT Solution IT Operation, IT Governance & Security, IT Solution Delivery,
Delivery, IT Enterprise Data Management, dan IT Project IT Enterprise Data Management, and IT Project Management
Management Office (PMO). Berikut adalah struktur Office (PMO). Below is the organizational structure.
organisasinya.
Operation & Digital Director
Head of Information
Technology
Head of IT
Head of IT Head of IT Solution
Head of IT Operation Head of IT Security Interprise Data
Governance Delivery
Management
• IT Service Delivery • IT Architecture • IT Security • IT Surrounding • Datawarehouse

• IT Data Center • IT Finance Operation System Development
Operation & Vendor • IT Security Development • Datawarehouse
• IT Data Center Management Infrastructure • IT Core System System Analyst
Facility • IT Change • IT Security Policy Development
• IT Helpdesk Management & • IT Core Application
• IT Infrastructure Quality Assurance Support
• IT Server & Storage • IT Compliance & • IT Surrounding
• IT Network Audit Application
• IT Support Client • IT Policy Support
• IT Database Management
Administration
Masing-masing sub-unit tersebut dipimpin oleh seorang Each of these sub-units is led by a Head of Unit with the
Kepala dengan tugas dan tanggung jawab sebagai berikut: following 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 Teknologi • Mengelola anggaran dan vendor • Manage budget and vendors
Informasi • Mengelola mekanisme TI • Manage IT governance
Head of Information Technology
Governance
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 Keamanan Teknologi Mengelola keamanan TI Manage IT security
Informasi
Head of IT Security

ROADMAP TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY ROADMAP

BMI telah memiliki rancangan strategis dalam pengembangan BMI already has strategic plans for future IT development, as
TI ke depan, seperti tertuang dalam “Roadmap Teknologi stated in the “Information Technology Roadmap 2023-2034”.
Informasi 2023-2024”. Rinciannya adalah: Details of the roadmap include:
1. Improve IT Service Excellent 1. Improve IT Service Excellence

a. Target 80% seluruh kritikal aplikasi dapat a. The target is that 80% of all critical applications can
beroperasional di lokasi Disaster Recovery Center. operate at the Disaster Recovery Center location.
Dengan memenuhi kesenjangan infrastruktur/ This can be done by fulfilling infrastructure gap in
gap infrastructure untuk server, storage, network & server, storage, network & DC-RDS infrastructure
infrastructure security DC-DRC dalam memenuhi security to provide service and system when facing a
layanan dan kesiapan sistem dalam menghadapi disaster (Accelerate Recovery Time, RTO)
kondisi disater (Accelerate Recovery Time, RTO)
b. Improve IT Capacity Planning dan DC-DRC Capabilities b. Improve IT Capacity Planning and DC-DRC Capabilities
• Mengganti infrastruktur datawarehouse yang • Replace obsolete data warehouse infrastructure
sudah obsolete dengan yang baru dan solusi with new one and create new and reliable data
manajemen data science berteknologi baru serta science management solutions.
andal.
• Menggunakan jasa konsultan untuk melakukan • Use consultant services to assess the
assessment terhadap infrastruktur MCB MCB infrastructure in order to obtain
guna mendapatkan rekomendasi dari badan recommendations from independent party
independen (di luar internal Bank) untuk (external party) to determine future strategies.
menentukan strategi ke depan.
• Upgrade kapasitas Disk & RAM untuk capacity • Upgrade Disk & RAM capacity for server capacity
server yang sudah melampaui threshold. that has exceeded the limit.
c. Improve IT Service Delivery & System Monitoring, target c. Improve IT Service Delivery & System Monitoring,
pencapaian SLA 99,5% ketersediaan sistem. with SLA achievement target of 99.5% system
availability.
d. Mengoptimalkan struktur organisasi IT & sumber d. Optimize the IT organizational structure & human
daya (SDM) dengan pemenuhan gap SDM dari 62 resources (HR) by fulfilling the HR gap from 62 to 80
menjadi 80 pada MPP 2023 in MPP 2023
2. Strengthen IT Security Infrastructure & Operation 2. Strengthen IT Security Infrastructure & Operations
a. Penguatan Security Teknologi Informasi: a. Strengthening the Information Technology Security:
• Penguatan infrastructure security. • Strengthening infrastructure security.
• Penguatan network security. • Strengthening network security.
• Penguatan endpoint security. • Strengthening endpoint security.
• Penguatan application security. • Strengthening application security.
b. Security Awareness & Risk Prevention: b. Security Awareness & Risk Prevention:
• Sosialisasi security awareness melalui email (email • Dissemination of security awareness via email
blasting). (email blasting).
• Sosialisasi security awareness melalui notifikasi • Dissemination of security awareness through
MHP saat login. MHP notifications when logging in.
• Induction Training cyber awareness untuk seluruh • Induction training on cyber awareness for all new
karyawan baru. employees.
• Awareness keamanan informasi/ siber – materi • Information/cyber security awareness – MIC
MIC. materials.
• Talk show dengan tema cyber risk security • Talk show with the topic of cyber risk security
awareness. awareness.
• Simulasi email phishing/fake ke karyawan. • Simulation of phishing/fake emails to employees.
c. Data Management System: c. Data Management System:
• Implementasi ransomware proof storage dan • Implementation of ransomware proof storage
system recovery management. and recovery management system.
• Implementasi Data Loss Prevention (IDLP). • Implementation of Data Loss Prevention (IDLP).
d. Pemenuhan ketentuan Regulator POJK 11/ d. Compliance with OJK provision POJK No. 11/
POJK.03/2022: POJK.03/2022:

• Melakukan penilaian sendiri (self assessment) atas • Conduct a self-assessment on the level of cyber
tingkat maturitas siber. maturity.
• Pengujian kesiapan Bank dalam keamanan siber, • Test the Bank’s readiness in cyber security, in the
dalam bentuk uji coba DRP cyber security dan/ form of DRP cyber security trials and/or table
atau table top exercise minimal 1 (satu) kali dalam top exercises at least 1 (once) a year, based on
setahun sesuai ketentuan regulator. regulatory provisions.
3. IT Digital Infrastructure & Smart Banking Platform 3. IT Digital Infrastructure & Smart Banking Platform
Untuk mendukung akselerasi transformasi digital dan Aims to support the acceleration of digital transformation
smart banking ekosistem meliputi: and the smart banking ecosystem, such as:
a. Fill-in the gaps-IT Datawarehouse & Digital Banking a. Fill in the gaps of IT Datawarehouse & Digital Banking
Platform Platform
b. Implement ISO 20022 for SWIFT b. Implement ISO 20022 for SWIFT code
c. Implement ISO 270001 for Dukcapil c. Implement ISO 270001 for Department of Population
and Civil Registration
d. Revamp Middleware API Micro Service d. Revamp Middleware API Micro Services
e. Upgrade WAY4 e. Upgrade WAY4
f. Replacement Obsolete HSM f. Replacement of Obsolete HSM
INVESTASI TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY INVESTMENT

Pada tahun 2022, total realisasi belanja modal yang In 2022, the Bank’s realized capital expenditure for IT
dikeluarkan Bank untuk pengembangan TI mencapai Rp24,5 development reached Rp24.5 billion. This amount is higher
miliar. Jumlah ini lebih tinggi dibandingkan tahun 2021 yang than Rp8 billion spent in 2021.
sebesar Rp8 miliar.
STRATEGI PENGEMBANGAN TI IT DEVELOPMENT STRATEGY

Sepanjang tahun 2022, strategi pengembangan TI yang telah Throughout 2022, BMI has carried out several IT development
direalisasikan oleh BMI, antara lain mencakup: strategies, which include:
1. Pengembangan layanan Digital terdiri dari: IB Revamp 1. Development of Digital services consisting of: IB
& MDIN enhancement untuk cardless withdrawal, Revamp & MDIN enhancement for cardless withdrawal,
Bancassurance, investment, Financing, Smart Banking Bancassurance, investment, Financing, Smart Banking
transaction, pengembangan Open API & Middleware transactions, and development of Open API & Middleware
Microservices. Microservices.
2. Pengembangan BI-FAST. 2. Development of BI-FAST.
3. Pengembangan infrastruktur WAY4 dan VISA upgrade 3. WAY4 infrastructure development and VISA Binary 8
Binery 8 digits. digits upgrade.
4. Pengembangan Paywave VISA. 4. Development of Paywave VISA.
5. Pengembangan server hard-token CMS. 5. Development of CMS hard-token server.
6. Pengembangan fitur Wealth Management. 6. Development of Wealth Management features.
7. Pengembangan aplikasi SWIFT. 7. Development of SWIFT application.
8. Peningkatan security Infrastructure dan peremajaan 8. Improvement in the security infrastructure and
infrastruktur DC DRC. rejuvenation of the DC-DRC infrastructure.
PENGHARGAAN AWARDS
Pengembangan TI yang telah dilakukan BMI secara The IT development that has been conducted continuously
berkesinambungan mendapatkan apresiasi dari pihak by BMI on a daily basis has received appreciation from
eksternal dalam bentuk penghargaan. Pada tahun 2022, external parties. In 2022, BMI received the following awards
pengharagaan di bidang TI tersebut adalah: for its IT division:
1. The Best Digital Brand 2012 – 2022 kategori Bank Umum 1. The Best Digital Brand 2012 – 2022 in the Sharia
Syariah dari Infobank dan Isentia 11th Digital Brand Commercial Bank category from Infobank and Isentia
Awards 2022. 11th Digital Brand Awards 2022.
2. Top Digital Implementation 2022 dari Top Digital Awards 2. Top Digital Implementation 2022 from Top Digital
It Works. Awards It Works.
3. The Best Bank in Digital Services kategori Bank Syariah 3. The Best Bank in Digital Services under the Sharia Bank
dari Tempo Financial Awards 2022. category from the 2022 Tempo Financial Awards.

4. 1st Internet Banking dari Infobank 19th Banking Service 4. 1st Internet Banking from Infobank 19th Banking Service
Excellence Awards 2022. Excellence Awards 2022.
5. Peringkat 1 Saticfaction (ATM) kategori Bank Umum 5. The 1st rank in Satisfaction (ATM) in the Sharia Commercial
Syariah dari Infobank 5th Satisfaction Loyalti Engagement Bank category from the Infobank 5th Satisfaction Loyalty
Awards 2022. Engagement Awards 2022.
6. Peringkat 3 Saticfaction (Mobile Banking) kategori Bank 6. The 3rd rank in Satisfaction (Mobile Banking) in the
Umum Syariah dari Infobank 5th Satisfaction Loyalti Sharia Commercial Bank category from the Infobank 5th
Engagement Awards 2022. Satisfaction Loyalty Engagement Awards 2022.
KINERJA 2022 THE PERFORMANCE IN 2022

Untuk tahun 2022, BMI telah menyiapkan sejumlah rencana In 2022, BMI has prepared a number of strategic plans to be
strategis yang dijalankan, yaitu mencakup: carried out, which include:
1. Improve IT Service Excellent 1. Improve IT Service Excellence
Peningkatan penyediaan layanan IT dengan mengikuti Increasing the provision of IT services by keeping up
perkembangan dan best practice untuk mendukung with latest development and best practices to support
permintaan bisnis dan regulator. business and regulatory demands.
2. Strengthen IT Security Infrastructure & Operation 2. Strengthen IT Security Infrastructure & Operations
Penguatan infrastruktur security dan jaringan komunikasi Strengthening security infrastructure and communication
serta backup system Data Center DC dan DRC. networks, as well as backup system for DC and DRC Data
Centers.
3. IT Digital Infrastructure & Smart Banking Platform 3. IT Digital Infrastructure & Smart Banking Platform
Strengthen IT Digital & Smart Banking Platform untuk Strengthen IT Digital & Smart Banking Platform to
mendukung percepatan transformasi digital dan support the acceleration of digital transformation and
ekosistem perbankan cerdas, bangun teknologi yang smart banking ecosystem, and build a capable and safe
mumpuni dan aman. technology.
Sejalan dengan rencana strategis tersebut, pencapaian dari In line with these strategic plans, the Bank’s achievements
pengembangan dan inovasi yang telah direalisasikan di from development and innovation that have been realized in
bidang TI meliputi: the IT division include:
1. 83 inisiatif proyek selesai dalam mendukung bisnis dan 1. Completion of 83 project initiatives to support the Bank's
operasional Bank. business and operations.
2. 12 inisiatif proyek selesai dalam pengembangan 2. Completion of 12 project initiatives in DC-DRC
infrastruktur DC DRC. infrastructure development.
3. 5 inisiatif proyek telah selesai untuk memperkuat IT 3. Completed 5 project initiatives to strengthen IT
Infrastructure Security. Infrastructure Security.
RENCANA STRATEGIS TAHUN 2023 STRATEGIC PLANS IN 2023

Pada tahun 2023, BMI mengupayakan peningkatan In 2023, BMI seeks to upgrade the reliability and security of
keandalan dan keamanan sistem TI melalui pengembangan IT systems by developing DC infrastructure and IT Security
pada infrastruktur DC dan Infrastructure IT Security. Selain Infrastructure. In addition, to provide more comfort in
itu, untuk meningkatkan kenyamanan dalam bertransaksi digital transactions, the Bank has also prepared several
digital, Bank juga telah menyusun beberapa pengembangan development plans that will be carried out in 2023, such as:
yang akan dijalankan pada tahun 2023, yaitu meliputi:
1. Pengembangan Digital Experience Transaction. 1. Development of Digital Experience Transactions.
2. Migrasi Datawarehouse. 2. Data warehouse migration.
3. Implementasi Standard CVN 18 dan BIN 8 digit. 3. Implementation of 18-digit CVN and 8-digit BIN
Standards.
4. Implementasi standard ISO DUKCAPIL. 4. Implementation of standard ISO for Department of
Population and Civil Registration.
5. Pengembangan aplikasi surrounding & supporting. 5. Development of surrounding & supporting applications.

Lebih rinci, rencana strategis yang disiapkan untuk tahun In more details, the Bank’s strategic plans for 2023 are:
2023 mencakup:
1. Melakukan kajian terhadap keamanan sistem, jaringan 1. Conduct studies on system security and communication
komunikasi. networks.
2. Melakukan kajian lingkungan Data Center sebelum 2. Conduct environmental study on data center prior to
menjalankan inisiatif manage service/co-location Data implementing Data Center manage service/co-location
Center. initiatives.
3. Memindahkan secara bertahap aplikasi kritikal ke lokasi 3. Gradually move critical applications to a new Data Center
baru Data Center (co-location). location (co-location).
4. Melengkapi gap infrastructure DC-DRC 4. Complete the DC-DRC infrastructure gap
5. Penguatan IT Security meliputi: 5. Strengthening IT Security:
a. Penguatan security TI a. Strengthening IT security
• Penguatan Infrastructure security • Strengthening Infrastructure security
• Penguatan Network security • Strengthening Network security
• Penguatan Endpoint security • Strengthening Endpoint security
• Penguatan Application security • Strengthening Application security
b. Security Awareness & Risk Prevention b. Security Awareness & Risk Prevention
• Sosialisasi security awareness melalui e-mail • Dissemination of security awareness via email
(e-mail blasting) (email blasting)
• Sosialisasi security awareness melalui notifikasi • Dissemination of security awareness through
MHP saat login MHP notifications when logging in
• Induction Training cyber awareness untuk seluruh • Induction training on cyber awareness for all new
karyawan baru employees
• Awareness keamanan informasi/siber-materi MIC • Information/cyber security awareness-MIC
material
• Talk show dengan tema cyber risk security • Talk show with the topic of cyber risk security
awareness awareness
• Simulasi e-mail phishing/fake ke karyawan • Simulation of phishing/fake emails to employees
c. Data Management System c. Data Management system
• Implementasi ransomware proof storage dan • Implementation of ransomware proof storage
system recovery management and recovery management system
• Implementasi Data Loss Prevention (IDLP) • Implementation of Data Loss Prevention (IDLP)
6. Pemenuhan ketentuan Regulator POJK 11/POJK.03/2022 6. Compliance with OJK provisions POJK 11/POJK.03/2022
a. Melakukan penilaian sendiri (self assessment) atas a. Conduct a self-assessment on the cyber maturity
tingkat maturitas siber level
b. Pengujian kesiapan Bank dalam keamanan siber, b. Test the Bank's readiness in cyber security, in the
dalam bentuk uji coba DRP cyber security dan atau form of DRP cyber security trials and/or table top
table top exercise minimal 1 (satu) kali dalam setahun exercises at least 1 (once) a year, based on regulatory
sesuai ketentuan regulator provisions
7. Penguatan Infrastructure Digital Banking meliputi: 7. Strengthening Digital Banking Infrastructure, such as:
a. Fill-in the gaps-IT Datawarehouse & Digital Banking a. Fill in the gaps in IT Datawarehouse & Digital Banking
Platform. Platform.
b. Implement ISO 20022 for SWIFT. b. Implementation of ISO 20022 for SWIFT code
c. Implement ISO 270001 for Dukcapil. c. Implementation of ISO 270001 for the Department of
Population and Civil Registration.
d. Revamp Middleware API Micro Service. d. Revamp on Middleware API Micro Services.
e. Upgrade WAY4 & Replacement Obsolete HSM. e. Upgrade WAY4 & Replacement Obsolete HSM.

Manajemen Risiko
Risk Management
Dalam menjalankan kegiatan usaha, PT Bank Muamalat In doing business activities, PT Bank Muamalat Indonesia Tbk
Indonesia Tbk (“BMI”, “Bank”) senantiasa dihadapkan pada (“BMI,” “Bank”) is always faced with various risks. These risks
berbagai risiko. Risiko akan menjadi semakin kompleks will become increasingly complex following the development
seiring dengan perkembangan bisnis Bank serta industri of the Bank’s business and the banking industry. Therefore,
perbankan pada umumnya. Karena itulah, BMI dituntut agar BMI is required to be able to implement reliable risk
mampu menerapkan manajemen risiko yang andal agar management in order to be able to adapt to the complexity
dapat beradaptasi dengan kompleksitas kegiatan usaha of business activities.
tersebut.
Penerapan manajemen risiko harus mampu mendukung The implementation of risk management must be able to
kegiatan usaha Bank agar sejalan dengan peraturan support the Bank’s business activities so that they are in line
perundang-undangan serta target pencapaian usaha yang with laws and regulations, as well as business achievement
telah ditetapkan. Prinsip ini akan menopang Bank untuk targets. This principle will support the Bank in achieving
mencapai kinerja yang berkelanjutan. sustainable performance.
SISTEM MANAJEMEN RISIKO RISK MANAGEMENT SYSTEM

Dalam menjalankan bisnisnya, BMI menghadapi beberapa In doing business, BMI faces several dynamic challenges that
tantangan yang dinamis dan dapat mempengaruhi kegiatan can affect its business activities. As an example, these risks
bisnisnya. Sebagai gambaran, di antaranya adalah: include:
1. Perkembangan lingkungan bisnis dan meningkatnya 1. The development of the business environment and
kompleksitas operasional Bank sejalan dengan increasing complexity of the Bank's operations, is in
perkembangan produk dan layanan yang diberikan line with the development of the Bank’s products and
oleh Bank, termasuk perubahan pemegang saham dan services, as well as changes in the Bank’s shareholders
manajemen Bank yang terjadi pada tahun 2022. and management in 2022.
2. Dari sisi eksternal, perubahan regulasi dan tuntutan 2. From external factor, changes in regulations and
pemegang saham atas kinerja Bank juga berkontribusi shareholders’ demand on the Bank’s performance also
penting dalam kegiatan bisnis Bank. Salah satu become significant contributors to the Bank’s business
ketentuan yang harus menjadi perhatian Bank adalah activities. One of the provisions that the Bank pays close
terbitnya Undang-Undang Penguatan Sektor Keuangan attention to is the issuance of Law on the Financial Sector
(P2SK) pada bulan Desember 2022. Strengthening (P2SK) in December 2022.
3. Selain itu, Bank menghadapi tantangan untuk melakukan 3. Additionally, the Bank also faces challenges in doing
bisnis secara berkelanjutan dan mencapai target yang sustainable business and achieving targets.
ditetapkan.
Untuk menghadapi tantangan tersebut, Bank menerapkan To face these challenges, the Bank implements risk
manajemen risiko dalam kerangka Governance, Risk & management within the Governance, Risk & Compliance
Compliance (GRC). Pelaksanaan manajemen risiko bersamaan (GRC) framework. The implementation of risk management,
dengan penerapan praktik tata kelola perusahaan yang baik good corporate governance (GCG) practices, and the
atau Good Corparate Governance (GCG) serta terpenuhinya fulfillment of compliance and legal aspects within the GRC
aspek kepatuhan dan hukum dalam kerangka GRC, menjadi framework have become an enabler in achieving the Bank's
enabler dalam pencapaian target bisnis Bank. Pelaksanaan business targets. This implementation is supported by
target tersebut didukung oleh sumber daya manusia, human resources, information technology, and the Bank's
teknologi informasi dan proses bisnisBank. business processes.
PRINSIP MANAJEMEN RISIKO RISK MANAGEMENT PRINCIPLES

Prinsip umum manajemen risiko di BMI, antara lain meliputi: The general principles of risk management at BMI include:
1. Pengelolaan risiko pada setiap aktivitas bisnis atau 1. Risk management in each of the Bank’s business or
operasional Bank yang diterapkan berdasarkan prinsip operational activity, which is implemented based on the
kehati-hatian; prudence principle;

2. Dalam pengelolaan risiko, BMI menerapkan kebijakan 2. In managing risk, BMI implements internal policies based
internal berdasarkan asas GCG dan mengelola risiko on GCG principles and manages risks with mechanisms
dengan mekanisme yang sejalan dengan ketentuan that are in line with regulatory provisions;
regulator;
3. Prinsip utama manajemen risiko Bank adalah kecukupan 3. The main principles of the Bank’s risk management are
modal (capital adequacy), keterbukaan (transparency) dan capital adequacy, transparency, and independency in the
indepensi (indepency) dalam proses manajemen risiko; risk management process;
4. Kerangka kerja manajemen risiko (risk management 4. The Risk management framework
framework)
5. Kerangka kerja manajemen risiko merupakan 5. The risk management framework is a set of strategies,
seperangkat strategi, aturan, sarana dan prasarana yang regulations, facilities, and infrastructure that are used to
digunakan untuk mengimplementasikan konsep dan implement risk management concepts and principles in
prinsip manajemen risiko secara komperhensif. a comprehensive manner.
1.
Strategic &
Risk Objective
2. Risk Appetite
3. Risk Management Strategy
Quality of Risk Management Monitoring and Evaluation

Product Process
Risk Governance Risk Oversight Committee
Risk Management Infrastructure Business Risk Management Committee

Management
Process
Risk Management Process Sharia Supervisory Board
Risk Control System People Risk Management Work Unit

Policy
Risk Culture Training

Risk Awareness
Internal Communication Reward & Punishment
Good Corporate Governance
Corporate Value
Manajemen risiko Bank diterapkan berlandaskan pada The Bank's risk management is implemented based on
kerangka manajemen risiko di atas. Kerangka ini dibangun the abovementioned risk management framework. This
dengan mengedepankan nilai-nilai GCG dan corporate value framework is built by prioritizing GCG and corporate values,
serta penguatan risk awareness di seluruh unit kerja Bank. as well as risk awareness strengthening in all work units of
the Bank.
Proses bisnis yang dijalankan Bank ditopang oleh adanya The Bank's business processes are supported by provisions
ketentuan yang mengatur setiap aktivitas, produk yang regulating each activity, offered products, processes, and
ditawarkan, proses yang dijalankan, serta penguatan strengthening human resources. The implementation of
sumber daya manusia. Pelaksanaan proses bisnis dilakukan business processes is carried out by considering 2 (two)
dengan senantiasa memperhatikan 2 (dua) pilar manajemen pillars of risk management, namely:
risiko, yaitu:

Dua Pilar Manajemen Risiko Two Pillars of Risk Management

Pilar 1 Pilar kualitas penerapan manajemen risiko yang The pillar of adequate quality of risk management
Pillar 1 memadai sesuai dengan jenis risiko inheren yang implementation aligns with the type of inherent
dapat diidentifikasi, dalam bentuk tata kelola, risks identified in governance, infrastructure, risk
infrastruktur, proses manajemen risiko, dan sistem management processes, and risk control systems.
pengendalian risiko.
Pilar 2 Pilar pemantauan dan evaluasi secara berkelanjutan The pillars of continuous monitoring and evaluation
Pillar 2 atas proses bisnis yang dilakukan antara lain melalui: of business processes, which are carried out through:
a. Risk Oversight Committee (ROC), Audit Committee, a. Risk Oversight Committee (ROC), Audit Committee,
Good Corporate Governance (GCG) Committee dan Good Corporate Governance (GCG) Committee,
Nomination & Remuneration Committee di level and Nomination & Remuneration Committee at
Dewan Komisaris; the Board of Commissioners’ level;
b. IT Steering Committee (ITSC), Asset and Liability b. IT Steering Committee (ITSC), Asset and Liability
Committee (ALCO) dan Human Capital Committee, Committee (ALCO) and Human Capital Committee,
Risk Management Committee (RMC) di level Direksi; as well as Risk Management Committee (RMC) at
the Board of Directors’ level;
c. Dewan Pengawas Syariah (DPS) dan c. Sharia Supervisory Board (DPS) and
d. Satuan Kerja Manajemen Risiko (SKMR). d. Risk Management Work Unit (SKMR).
BMI senantiasa berupaya mencapai dan melaksanakan BMI always strives to achieve and implement corporate
corporate strategy dan risk objective, baik jangka panjang, strategy and risk objectives, whether for the long, medium, or
menengah, maupun pendek. Bank juga menjaga eksposur short term. The Bank also maintains risk exposure according
risiko sesuai risk appetite yang ditopang landasan dan pilar to risk appetite, supported by strong foundations and pillars.
yang kuat.
Dalam mengimplementasikan manajemen risiko di Bank, GRC In implementing risk management, the Bank implements
diimplementasikan melalui konsep 3 (tiga) lini pertahanan GRC through the concept of 3 (three) lines of defense of
(three lines of defense) manajemen risiko. Pelaksanaannya risk management. Its implementation is the responsibility
menjadi tanggung jawab Direksi dan diawasi oleh Dewan of the Board of Directors and is supervised by the Board of
Komisaris. Commissioners.
Tiga Lini Pertahanan | Three Lines of Defense
Perubahan Lingkungan Bisnis,

Politik & Regulasi
Changes in Business, Political &
Komisaris | Board of Commissioners
Regulatory Environment
Implementation & Practice
Kebijakan & Prosedur

Policies & Procedures
Proses
Process
Risiko Kontrol
Risk Control
Execution Independent Assurance
Compliance & Legal

Assurance Risk Assurance
Unit Bisnis Internal Audit

Compliance & Legal Risk Management
Business Unit Internal Audit
1st line of defense 2nd line of defense 3rd line of defense

Lini 1: Lini Pertahanan Pertama (First Line of Defense) Line 1: First Line of Defense
First line of defense atau lini pertahanan pertama terdiri The first line of defense consists of business and other work
dari unit bisnis dan unit kerja lainnya yang melaksanakan units that carry out the Bank's daily business and operational
kegiatan bisnis dan operasional Bank secara langsung activities. These work units are responsible for identifying
dan harian. Unit-unit kerja ini bertanggung jawab untuk and managing risks in every product, process, activity, and
mengidentifikasi dan mengelola risiko pada setiap produk, running system.
proses, kegiatan, dan sistem yang dijalankan
Lini 2: Lini Pertahanan Kedua (Second Line of Defense) Line 2: Second Line of Defense
Second line of defense atau lini pertahanan kedua terdiri dari The second line of defense consists of Risk Management
SKMR, unit kepatuhan dan unit hukum. SKMR bertanggung Work Unit (SKMR), compliance, and legal units. SKMR ensures
jawab memastikan kecukupan kontrol atas risiko yang adequate control over risks inherent in the Bank's business
melekat pada kegiatan bisnis dan operasional Bank, and operational activities, as outlined in internal regulations
yang dituangkan dalam ketentuan internal dan kerangka and risk management framework. The compliance and legal
manajemen risiko. Unit kepatuhan dan hukum bertanggung unit are responsible for ensuring that compliance and legal
jawab memastikan bahwa aspek kepatuhan dan hukum aspects are fulfilled in products and processes carried out
telah terpenuhi dalam produk dan proses yang dilakukan by the Bank.
oleh Bank.
Lini 3: Lini Pertahanan Ketiga (Third Line of Defense) Line 3: Third Line of Defense
Third line of defense atau lini pertahanan ketiga dilaksanakan The third line of defense is carried out by the internal audit
fungsinya oleh unit audit internal sebagai unit independen unit as an independent unit, ensuring that the first and
yang memastikan bahwa lini pertahanan pertama dan second lines of defense have properly implemented their
kedua telah melaksanakan fungsi dan tanggung jawabnya functions and responsibilities.
dengan baik.
ORGANISASI MANAJEMEN RISIKO RISK MANAGEMENT ORGANIZATION

Unit kerja manajemen risiko sebagai second line of defense As the second line of defense, the risk management
berada di bawah Compliance, Risk & Legal Director. work unit is under the Compliance, Risk & Legal Director.
Fungsinya, terutama untuk memastikan pelaksanaan tata Its function is to ensure the implementation of risk
kelola manajemen risiko, menyediakan dan memperbahaui management governance, provide and update the risk
kerangka manajemen risiko, memastikan terlaksananya management framework, and ensure the implementation
proses manajemen risiko, sistem informasi dan sumber of risk management processes, information systems, human
daya manusia serta pelaksanaan sistem pengendalian risiko. resources, and risk control systems. The risk management
Unit kerja manajemen risiko bersifat independen dari unit work unit is independent of the Bank's business and
bisnis dan operasional Bank serta memiliki tanggung jawab operational units and is primarily responsible for ensuring
utama untuk memastikan proses penerapan manajemen that the risk management implementation is carried out
risiko telah berjalan efektif di Bank. Struktur organisasi di effectively at the Bank. The organizational structure under
bawah Compliance, Risk & Legal Director adalah sebagai the Compliance, Risk & Legal Director is as follows:
berikut:
Compliance, Risk & Legal Director
Integrated Risk
Compliance Corporate Legal
Management

FOKUS MANAJEMEN RISIKO TAHUN 2022 RISK MANAGEMENT FOCUS IN 2022

Fokus penerapan manajemen risiko yang dilakukan pada The focus of risk management implementation in 2022 is in
tahun 2022 sejalan dengan bankwide strategy tahun 2022, line with the bankwide strategy for 2022, which is carried out
yang dilaksanakan oleh tiga lini pertahanan manajemen by the three lines of defense of risk management with the
risiko dengan fungsi SKMR sebagai berikut: following SKMR function:
1. Business Turnaround untuk mendukung pertumbuhan 1. Business Turnaround to support business growth and
bisnis dan meningkatkan profitabilitas dari sisi increase profitability in terms of financing, funding and
pembiayaan, funding dan fee based income. fee-based income.
SKMR melakukan asesmen risiko terkait dengan SKMR conducts risk assessments on the progress and
pengembangan dan pembaruan produk, layanan dan updates of products, services, and processes developed
proses yang dikembangkan oleh unit kerja bisnis dan by business work units and related units.
unit terkait lainnya.
2. Perbaikan portofolio pembiayaan yang tumbuh 2. Improvement on financing portfolios with qualified
berkualitas dan proaktif serta percepatan penyelesaian and proactive growth, as well as acceleration in the
pembiayaan bermasalah. settlement of non-performing financing.
SKMR menyedikan perangkat sebagai arah dan panduan SKMR provides tools as direction and guidance for
bagi unit kerja terkait menetapkan target bisnis related work units to set financing business targets at
pembiayaan pada level risiko yang dapat diterima, dan an acceptable risk level and support the acceleration in
mendukung percepatan penyelesaian pembiayaan settlement of non-performing financing.
bermasalah.
3. Transformasi digital dan bankwide melalui digital 3. Digital and bankwide transformation through digital
banking, transformasi secara bankwide dan smart & banking, bankwide transformation, and smart &
excellent operation. excellent operations
SKMR melakukan asesmen risiko untuk mendukung SKMR conducts risk assessments to support the development
pengembangan produk digital dan melakukan transformasi of digital products and carries out the transformation from
dari sisi operasional sehingga mendukung program efisiensi an operational standpoint to support bankwide efficiency
yang dicanangkan secara bankwide. programs.
PENGAWASAN AKTIF DIREKSI, DEWAN ACTIVE SUPERVISION OF BOARD OF

KOMISARIS, DAN DPS DIRECTORS, BOARD OF COMMISSIONERS, AND
SHARIA SUPERVISORY BOARD (DPS)
Direksi, Dewan Komisaris, komite yang dibentuk pada The Board of Directors, the Board of Commissioners,
level Direksi dan Dewan Komisaris, serta DPS menjalankan committees under the Board of Directors and Board
peran aktif dalam memperkuat tata kelola manajemen of Commissioners, and DPS actively strengthen risk
risiko melalui rapat dan diskusi yang dilakukan berkala. management governance through regular meetings and
Hal-hal yang dibahas dalam rapat adalah terkait dengan discussions. Topics of discussion in the meeting are related
perkembangan kinerja Bank, termasuk pengelolaan risiko to the progress of the Bank’s performance, including the
yang dihadapi Bank, perumusan tingkat risiko yang akan Bank’s risk management, the formulation of the level of risk
diambil (risk appetite) dan toleransi risiko (risk tolerance). that can be taken (risk appetite), and risk tolerance.
Pada tingkat Direksi, terdapat komite yang mendukung The Board of Directors has committees that support the
pengawasan implementasi manajemen risiko, antaa monitoring of risk management implementation, including
lain: RMC, ITSC, ALCO dan Human Capital Committee yang RMC, ITSC, ALCO, and the Human Capital Committee, which
melaksanakan rapat sesuai dengan piagam masing-masing hold meetings according to each committee’s charter.
komite.
Dewan Komisaris juga telah memiliki komite yang lengkap, The Board of Commissioners also has committees: Audit
yaitu: Audit Committee, ROC, GCG Committee dan Nomination Committee, ROC, GCG Committee, and Nomination &
& Remuneration Committee. Remuneration Committee.
Selama tahun 2022, terkait dengan manajemen risiko, During 2022, with regard to risk management, active
pengawasan aktif oleh Dewan Komisaris dan Direksi supervision by the Board of Commissioners and Board of
dilakukan antara lain dalam bentuk pelaksanaan rapat ROC, Directors will be carried out, among others, in the form of
RMC dan DPS: holding ROC, RMC, and DPS meetings:

Tugas dan Tanggung Jawab Pelaksanaan Pengawasan Aktif

No.
Duties and Responsibilities Implemenation of Active Monitoring
A Risk Oversight Commitee Risk Oversight Commitee

1 Menyetujui dan mengevaluasi kebijakan Bank Muamalat yang Memberikan evaluasi dan persetujuan atas kebijakan Bank.
harus mendapatkan persetujuan dari Dewan Komisaris secara
berkala.
Approve and evaluates Bank Muamalat’s policies that must obtain Evaluates and approves the Bank’s policies.
approval from the Board of Commissioners periodically.
2 Mengevaluasi pertanggungjawaban Direksi atas pelaksanaan Mengevaluasi pelaksanaan kebijakan umum manajemen risiko
kebijakan umum manajemen risiko dan strategi manajemen melalui rapat ROC, yang telah dilaksanakan sebanyak 7 (tujuh)
risiko Bank. kali di tahun 2022, dengan agenda, antara lain:
a. Tingkat kesehatan Bank dan profil risiko;
b. Kondisi likuiditas Bank dan pencapaian target pembiayaan
Bank sesuai Rencana Bisnis Bank (RBB) tahun 2022;
c. Target Market dan Financing Allocation Limit (FAL) tahun 2022;
d. Kualitas pelaporan kepada regulator dan digital banking
journey;
e. Tindak lanjut temuan audit OJK;
f. Risiko kepatuhan terkait Pengenaan Denda Perantara
Pedagang Efek Bersifat Utang dan Sukuk (PPE EBUS);
g. Risiko stratejik terkait kinerja pencapaian RBB tahun 2022;
h. Risiko likuiditas dan pasar;
i. Rencana strategis Bank dan action plan pada Giro Wajib
Minimum (GWM);
j. Tindak lanjut pembenahan IT Security dan Digitalisasi.
Evaluates the Board of Directors’ accountability on the Evaluates the implementation of risk management general
implementation of the Bank’s general risk management policies policies at ROC meetings, which were held 7 (seven) times in 2022,
and risk management strategies. with the following agendas:
a. The Bank’s soundness level and risk profile;
b. The Bank’s liquidity condition and achievement of the Bank’s
financing target, in accordance with the Bank’s Business Plan
of 2022;
c. Target Market and Financing Allocation Limit (FAL) of 2022;
d. Quality of reporting to regulators and digital banking journey;
e. Follow-up on OJK’s audit findings;
f. Compliance risks related to the Imposition of Fines for Brokers
of Debt Securities and Sukuk (PPE EBUS);
g. Strategic risks that are related to the achievement of the Bank’s
Business Plan of 2022;
h. Liquidity and market risks;
i. The Bank’s strategic plans and action plan on Statutory
Reserves (GWM);
j. Follow-up on IT security and digitalization improvement.
3 Mengevaluasi implementasi kebijakan umum manajemen risiko Mengevaluasi implementasi manajemen risiko secara berkala
Bank Muamalat secara teratur untuk meyakinkan bahwa proses yang dilakukan antara lain melalui:
tersebut sudah memenuhi persyaratan pelaksanaan operasional a. Pembahasan RBB sebelum disampaikan kepada OJK;
Bank Muamalat secara baik. b. Strategi manajemen risiko terkait progress penyelesaian
pembiayaan bermasalah, penetapan target market, fokus
bisnis, operasional Bank Muamalat dalam kondisi pandemi
COVID-19, kondisi likuiditas, aktivitas pengelolaan risiko dan
kepatuhan, serta kondisi eksternal yang mungkin berdampak
pada kegiatan usaha;
c. Pencapaian finansial dan non finansial.
Evaluates the regular implementation of Bank Muamalat’s general Evaluates the implementation of risk management periodically,
risk management policies to ensure that the process has fulfilled which is carried out through:
the requirements of Bank Muamalat’s operations properly. a. Discussion of the Bank’s Business Plan before being submitted
to OJK;
b. Risk management strategies that are related to progress of
settlement of non-performing financing, target market setting;
business focus; Bank Muamalat’s operations during the
COVID-19 pandemic; liquidity conditions; compliance and risk
management activities; as well as external conditions that may
impact business activities;
c. Financial and non-financial achievements.


No.
4 Memberikan opini/rekomendasi kepada Direksi terkait dengan Memberikan arahan dan masukan yang terkait dengan aktivitas
kegiatan transaksi/pembiayaan/operasional atau aktivitas Bank Muamalat melalui rapat Dewan Komisaris-Direksi dan rapat
tertentu yang memerlukan opini/rekomendasi dari Dewan ROC, yang terkait dengan, antara lain penilaian atas laporan profil
Komisaris. risiko dan tingkat kesehatan Bank, tindak lanjut temuan audit
OJK, pencapaian target Bank, isu atas informasi teknologi yang
telah terjadi, dan beberapa proyek inisiatif yang telah dilakukan.
Gives opinions/recommendations to the Board of Directors Gives directions and inputs related to Bank Muamalat’s activities
related to transactional/financing/operational activities or certain through meetings of the Board of Commissioners and the Board
activities that need opinions/recommendations from the Board of Directors, and ROC meetings, which, among others, discuss
of Commissioners. assessment of risk profile reports and the Bank’s soundness
level, follow-up on OJK’s audit findings, achievement of the Bank’s
targets, current issues of information technology, and several
initiative projects that have been carried out.
B Risk Management Committee Risk Management Committee
1 Menyusun kebijakan dan strategi manajemen risiko secara Ketentuan dan strategi manajemen risiko telah dimiliki oleh Bank,
tertulis dan komprehensif. diperbaharui secara berkala.
Creates written and comprehensive risk management policies All of the Bank’s provisions and risk management strategies are
and strategies. updated periodically.
2 Bertanggung jawab atas pelaksanaan kebijakan umum Direksi telah melakukan hal-hal sebagai berikut:
manajemen risiko Bank Muamalat dan eksposur risiko yang a. Menetapkan strategi manajemen risiko, identifikasi risiko yang
diambil secara keseluruhan. melekat pada produk dan aktivitas Bank Muamalat, penetapan
limit risiko, pemantauan risiko, kajian stress test dan risiko.
b. Memastikan bahwa proses manajemen risiko yang dilakukan
telah didokumentasikan dengan baik.
c. Melakukan penginian beberapa ketentuan internal sesuai
dengan hierarki ketentuan internal Bank Muamalat, yaitu
dalam bentuk Kebijakan, Prosedur, Manual Produk, SE Direksi,
maupun Petunjuk Teknis.
Be responsible for the implementation of Bank Muamalat’s The Board of Directors has carried out the following:
general risk managemet policies and overall risk exposure. a. Establishes risk management strategies, identifies risks
inherent in Bank Muamalat’s products and services, determines
risk limits, monitors risks, and stress test and risk studies.
b. Ensures that the risk management process has been
documented properly.
c. Updates several internal provisions according to Bank
Muamalat’s internal regulatory hierarchy, which are in the
form of Policies, Procedures, Product Manuals, Circular Letter
of the Board of Directors, and Technical Instructions.
3 Mengevaluasi dan memutuskan transaksi yang melampaui Mengevaluasi dan memutuskan transaksi yang memerlukan
kewenangan pejabat satu tingkat di bawah level Direksi atau persetujuan Direksi sesuai dengan limit kewenangan yang
transaksi yang memerlukan persetujuan Direksi sesuai ketentuan ditetapkan berjenjang dan dikaji secara berkala.
internal yang berlaku.
Evaluates and makes decisions on transactions that exceed the Evaluates and makes decisions on transactions that require the
authority of officials whose positions are one below the Board Board of Directors’ approval based on the limits of authority that
of Directors or transactions that require the Board of Directors’ are established in stages and reviewed periodically.
approval, in accordance with applicable internal regulations.
4 Meminta opini/rekomendasi kepada Dewan Komisaris terkait Melakukan komunikasi dan/atau diskusi dengan Dewan
dengan kegiatan transaksi/pembiayaan/operasional atau Komisaris terkait dengan aktivitas yang memerlukan opini/
aktivitas tertentu yang memerlukan opini/rekomendasi dari rekomendasi Dewan Komisaris. Hal ini dilakukan secara tertulis
Dewan Komisaris. atau pun melalui rapat berkala.
Requests opinions/recommendations from the Board of Communicates and/or holds discussions with the Board of
Commissioners regarding several activities, such as transactions/ Commissioners regarding activities that require the Board of
financing/operational or certain activities that require opinions/ Commissioners’ opinions/recommendations. This is done in
recommendations from the Board of Commissioners. writing or through periodic meetings.
5 Mengembangkan budaya manajemen risiko pada seluruh jenjang Mengembangkan dan mendorong penerapan budaya risiko di
organisasi. seluruh level karyawan, dengan melaksanakan program risk
awareness melalui video, e-mail blast, dan pelatihan/training
terkait manajemen risiko.
Establishes risk management culture at all levels of the Develops and encourages the implementation of risk culture
organization. at all levels of the organization, by carrying out risk awareness
programs through videos, e-mail blasts, and training related to
risk management.


No.
6 Memastikan peningkatan kompetensi sumber daya manusia Memastikan dilaksanakannya program untuk meningkatkan
yang terkait dengan manajemen risiko. kompetensi sumber daya manusia terkait manajemen risiko
secara online melalui pelaksanaan Muamalat Internal Certification
(MIC) dan program refreshment melalui MHP desktop dan MHP
mobile.
Ensures competency improvement of human resources related Ensures the implementation of online programs to improve
to risk management. human resources’ competencies related to risk management
by carrying out Muamalat Internal Certification (MIC) and
refreshment programs through MHP desktop and MHP mobile.
7 Memastikan bahwa fungsi manajemen risiko telah beroperasi Menetapkan SKMR pada lini pertahanan kedua yang berada di
secara independen. bawah supervisi Compliance, Risk & Legal Director yang terpisah
dari unit kerja di lini pertahanan pertama dan lini pertahanan
kedua.
Ensures that the risk management function operates Establishes SKMR on the second line of defense, which is
independently. under supervision of the Compliance, Risk & Legal Director and
separated from the work units on the first line of defense and the
second line of defense.
8 Melaksanakan kaji ulang secara berkala untuk memastikan: Secara berkelanjutan, mengembangkan seluruh perangkat
a. Keakuratan metodologi penilaian risiko; manajemen risiko, baik terhadap ketersediaan ketentuan
b. Kecukupan implementasi sistem informasi manajemen risiko; internal, tools proses manajemen risiko, aktivitas bisnis maupun
c. Ketepatan kebijakan, prosedur dan penetapan limit risiko. operasional yang dijalankan oleh seluruh lini perusahaan.
d. Menetapkan kebijakan untuk menindaklanjuti temuan audit
eksternal dan/atau internal; dan
e. Membentuk komite yang bertanggung jawab untuk
mengimplementasikan strategi pengelolaan risiko.
Carries out regular reviews to ensure: Continously develops all risk management tools, whether they are
a. The accuracy of risk assessment methodology; regarding the availability of internal provisions, risk management
b. Adequate implementation of risk management information process, and business and operational activities carried out by all
system; levels of the Company.
c. Accuracy of policies, procedures and risk limit setting.
d. The formation of a committee that is responsible for
implementing risk management strategies.
9 Menyetujui perhitungan internal kecukupan modal sesuai Memastikan bahwa rasio Kewajiban Penyediaan Modal Minimum
dengan profil risiko. (KPMM) terjaga sesuai profil risiko.
Approves internal calculation of capital adequacy according to the Ensures that the Minimum Capital Adequacy Ratio (KPMM) is
risk profile. maintained according to the risk profile.
C Dewan Pengawas Syariah Sharia Supervisory Board
1 Melakukan evaluasi (review) atas kebijakan umum manajemen DPS telah memberikan masukan atas produk atau aktivitas yang
risiko Bank Muamalat yang terkait dengan pemenuhan prinsip membutuhkan opini syariah yang dilakukan baik secara tertulis
syariah. maupun melalui rapat DPS yang dilaksanakan sebulan sekali.
Conducts an evaluation (review) of Bank Muamalat's general risk The Sharia Supervisory Board (DPS) has provided inputs on
management policies that are related to compliance with sharia products or activities that require sharia opinions, which are
principles. delivered in writing or at DPS monthly meetings.
2 Mengevaluasi pertanggungjawaban Direksi atas pelaksanaa DPS mengevaluasi pelaksanaan kebijakan umum manajemen
pelaksanaan kebijakan umum manajemen risiko yang terkait risiko yang terkait dengan prinsip syariah antara lain melalui
dengan pemenuhan prinsip syariah. rapat DPS yang dilakukan sebulan sekali, laporan berkala atas
uji petik DPS serta memberikan saran perbaikan dan masukan
kepada Direksi.
Evaluates the Board of Directors’ accountability for the DPS evaluates the implementation of general risk management
implementation of general risk management policies that are policies that are related to sharia principles, which is carried out
related to compliance with sharia principles. through DPS monthly meetings, periodic reports on DPS tests,
and as well as suggestions for improvement and inputs to the
Board of Directors.


No.
3 Memberikan nasihat dan saran kepada Direksi dan manajemen Memberikan nasihat dan saran kepada Direksi dan manajemen
bisnis syariah mengenai hal-hal terkait dengan prinsip syariah. bisnis syariah terkait prinsip syariah yang dijalankan oleh Bank
Muamalat yang disampaikan antara lain melalui rapat DPS.
Provides advice and suggestions to the Board of Directors and Provides advice and suggestions to the Board of Directors and
sharia business management regarding matters related to sharia sharia business management related regarding sharia principles
principles. carried out by Bank Muamalat, which are conveyed, among
others, at DPS meetings.
4 Mengawasi pemenuhan prinsip syariah atas produk, aktivitas, Mengawasi pemenuhan prinsip syariah atas produk, aktivitas dan
kebijakan dan prosedur Bank Muamalat, agar sesuai dengan kebijakan serta prosedur Bank Muamalat agar sejalan dengan
fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia. fatwa yang dikeluarkan oleh Dewan Syariah Nasional-Majelis
Ulama Indonesia. Fungsi ini dilakukan antara lain melalui laporan
berkala yang disampaikan kepada DPS.
Supervise the fulfillment of sharia principles for products, Supervise the fulfillment of sharia principles for products,
activities, policies, and procedures of Bank Muamalat, in order activities, policies, and procedures of Bank Muamalat according
to comply with the fatwa (ruling) of the National Sharia Council- to fatwas issued by the National Sharia Council-Indonesian Ulema
Indonesian Ulema Council. Council. This function is carried out, among others, through
periodic reports submitted to DPS.
KECUKUPAN KEBIJAKAN DAN PROSEDUR ADEQUACY OF RISK MANAGEMENT POLICIES

MANAJEMEN RISIKO SERTA PENETAPAN AND PROCEDURES AND RISK LIMIT SETTING
LIMIT RISIKO
Dalam rangka mendukung penerapan manajemen In order to support the implementation of adequate
risiko dan pengendalian internal yang memadai, Bank risk management and internal control, the Bank has an
telah memiliki struktur organisasi yang layak, antara appropriate organizational structure, such as establishing
lain melalui pembentukan unit kerja Internal Audit dan an Internal Audit and Risk Management Work Unit. The
SKMR. Bank memastikan bahwa kebijakan dan prosedur Bank ensures that policies and procedures related to
terkait manajemen risiko serta penetapan limit risiko telah risk management and risk limit setting are adequate, as
memadai, sebagaimana penjelasan di bawah ini. explained below.
Kebijakan dan Prosedur Manajemen Risiko Risk Management Policies and Procedures
Penerapan manajemen risiko di BMI berpedoman The implementation of risk management at BMI refers to
pada Peraturan Otoritas Jasa Keuangan (POJK) No.65/ the Financial Services Authority Regulation (POJK) No.65/
POJK.03/2016 tanggal 28 Desember 2016 tentang Penerapan POJK.03/2016, dated December 28, 2016, concerning the
Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha Implementation of Risk Management for Sharia Commercial
Syariah. Penerapan manajemen risiko di internal Bank Banks and Sharia Business Units. The implementation of risk
mengacu pada: management within the Bank refers to the following:
1. Kebijakan Umum Manajemen Risiko (KUMR), yang 1. General Risk Management Policy (KUMR), which is a pillar
menjadi pilar dan acuan dasar dalam penyusunan and basic reference in drafting all of the Bank's internal
seluruh ketentuan internal Bank; regulations;
2. Kebijakan Umum Sistem Pengendalian Internal; 2. General Policy of Internal Control System;
3. Good Corporate Governance (GCG); 3. Good Corporate Governance (GCG);
4. Code of Conduct (Kode Etik); 4. Code of Conduct;
5. Budaya Perusahaan, yaitu Islami, Modern dan Profesional 5. Corporate Culture, namely Islamic, Modern, and
(IDEAL). Professional (IDEAL).
Hierarki atas ketentuan terkait manajemen risiko di BMI The hierarchy of provisions related to risk management at
mengikuti hierarki ketentuan internal yang berlaku di Bank, BMI follows the hierarchy of internal regulations applicable
dengan urutan sebagai berikut: at the Bank, in the following order:

Anggaran Dasar
Articles of Association
KUMR & KSPI
Kebijakan Umum
01 General Policy
Prosedur/Manual Produk/
02
Surat Edaran (SE) Direksi
Procedure/Product Manual/
Circular Letter (SE) of the Board
of Directors
Petunjuk Teknis
03
Technical Guidelines
CODE OF GCG IDEAL

CONDUCT
1. Level 1 – Kebijakan Umum 1. Level 1 – General Policy

Merupakan kebijakan tertinggi yang bersifat high level, It is the highest policy, which is high level, strategic, and
strategis dan jangka panjang (tidak cepat berubah), serta long term (cannot be amended quickly), and contains
berisikan filosofi dan prinsip-prinsip dasar yang berlaku basic philosophy and principles that apply to the Bank
secara menyeluruh (bank wide) dan menjadi landasan as a whole (bank wide) and form the basis for provisions
bagi ketentuan di bawahnya. under it.
2. Level 2 – terdiri dari: 2. Level 2 – consists of:
a. Prosedur adalah ketentuan khusus dan alur proses a. Procedures are specific provisions and the process
dari awal hingga akhir (end to end) dari suatu aktivitas, from start to finish (end to end) of an activity,
kegiatan operasional, bisnis, maupun pengendalian operational activity, business, or control, as a form
sebagai bentuk penerapan kebijakan yang dijadikan of implementation of the policy that is used as a
acuan. reference.
b. Manual Produk adalah ketentuan yang mengatur b. Product Manual is a provision that regulates
fitur, syarat dan ketentuan atas suatu produk dan features and terms and conditions of products or
jasa. services.
c. Surat Edaran (SE) Direksi merupakan media yang c. Circular Letter (SE) of the Board of Directors is the
digunakan untuk menyampaikan program bisnis atau media used to deliver urgent business programs or
ketentuan internal yang bersifat mendesak untuk internal provisions to be enforced immediately, since
diberlakukan dari sisi waktu maupun urgensinya, di there are no specific Procedures or Product Manual.
mana belum ada Prosedur atau Manual Produk yang
mengatur.
3. Level 3 – Petunjuk Teknis 3. Level 3 – Technical Instructions
Merupakan ketentuan yang dapat disusun apabila It is a provision that can be compiled by the unit that owns
diperlukan oleh unit pemilik ketentuan. Dalam petunjuk the provision, if necessary. Technical instructions contain
teknis dijelaskan secara teknis tata cara penggunaan technical explanations of procedures for using a media,
suatu media, aplikasi, sistem dan atau tools lainnya application, system, and/or other tools to make it easier
untuk mempermudah unit unit kerja terkait melakukan for related work units to carry out a process or activity.
suatu proses atau kegiatan atau penggunaan suatu tools. The provisions regulated in Technical Instructions are
Ketentuan yang diatur dalam Petunjuk Teknis bersifat risk-free, meaning that they are not allowed to carry
risk-free, artinya tidak diperkenankan mengandung risiko additional risks from Internal Provisions that have been
tambahan dari Ketentuan Internal yang telah diatur regulated in the Procedure that becomes the reference.
dalam Prosedur yang menjadi acuan.

Limit Risiko Risk Limits

Dalam menetapkan limit risiko, Bank menyesuaikannya In setting risk limits, the Bank makes adjustments based on
dengan tingkat risiko yang akan diambil, toleransi risiko, dan the level of risk that can be taken, risk tolerance, and the
strategi Bank secara keseluruhan. Hal tersebut dilaksanakan Bank’s overall strategy. This is carried out by considering
dengan tetap memperhatikan kemampuan modal Bank the Bank’s capital ability to absorb risk exposure or possible
untuk dapat menyerap eksposur risiko atau kerugian yang losses, previous losses in the past, human resources
timbul, histori kerugian di masa lalu, kemampuan sumber capacity, and compliance with applicable internal and
daya manusia, dan kepatuhan terhadap ketentuan internal external regulations.
dan eksternal yang berlaku.
Limit tersebut dikomunikasikan dengan baik kepada setiap These limits are notified to all related parties so there will
pihak yang terkait agar dapat dipahami secara bersama- be a mutual understanding. The limit setting is carried out
sama. Penetapan limit dilakukan secara komprehensif atas comprehensively on all aspects related to risks, including
seluruh aspek yang terkait dengan risiko, yang mencakup general limits, limits for each risk, and limits on the Bank’s
limit secara keseluruhan, limit per risiko, dan limit per business activities that have risk exposure.
aktivitas bisnis Bank yang memiliki eksposur risiko.
Limit risiko yang ditetapkan oleh Direksi diimplementasikan These risk limits are determined by the Board of Directors
sebagai bagian dari pemantauan dan pengendalian risiko and implemented as part of the Bank's risk monitoring and
Bank. Untuk memastikan bahwa limit risiko yang diterapkan control. To ensure that the applicable risk limits are still in
masih sesuai dengan risk appetite Bank dan perubahan line with the Bank's risk appetite and changes in the business
lingkungan bisnis, maka Bank memastikan dilakukannya environment, the Bank makes sure that reviews of these
proses kaji ulang atas limit risiko secara berkala, sesuai risk limits are carried out periodically in accordance with
dengan prosedur Bank yang berlaku. applicable procedures at the Bank.
KECUKUPAN PROSES IDENTIFIKASI, ADEQUACY OF RISK IDENTIFICATION,

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

Proses manajemen risiko yang baik bertujuan untuk A good risk management process aims to manage risks
mengelola risiko yang melekat pada aktivitas perusahaan inherent in the company's activities with the purpose of
dengan maksud memberikan nilai tambah yang providing a maximum and sustainable added value to all
berkelanjutan secara maksimal terhadap keseluruhan activities. The BMI risk management process is described as
aktivitas. Proses manajemen risiko BMI digambarkan follows:
sebagai berikut:
Pengukuran Risiko Pengendalian Risiko
02 04
Risk Measurement Risk Control
01 Identifikasi Risiko
Risk Identification
03 Pemantauan Risiko
Risk Monitoring

1. Identifikasi Risiko 1. Risk Identification

Bertujuan untuk mengetahui seluruh jenis risiko yang Aimed at finding our all types of risks inherent in each
melekat pada setiap produk, aktivitas layanan dan product, service, and functional activity that could create
aktivitas fungsional yang berpotensi merugikan Bank. potential loss for the Bank.
2. Pengukuran Risiko 2. Risk Measurement
Bertujuan untuk mengetahui besaran risiko yang Aimed at determining the amount of risk inherent in
melekat pada aktivitas Bank untuk dibandingkan dengan the Bank's activities and compare it with the Bank's risk
risk appetite Bank sehingga Bank dapat mengambil appetite so the Bank can take risk mitigation measures
tindakan mitigasi risiko, dan menentukan modal untuk and set up capital to cover residual risks.
meng-cover residual risiko.
3. Pemantauan Risiko 3. Risk Monitoring
Dilakukan dengan membandingkan limit risiko dengan Done by comparing risk limits with current risk
eksposur risiko yang dihadapi. exposures.
4. Pengendalian Risiko 4. Risk Control
Bentuk pelaksanaan mitigasi atas potensi risiko yang A form of mitigation of potential risks that exist.
ada.
Sistem Informasi Manajemen Risiko Risk Management Information System

Dalam rangka mendukung proses identifikasi, In order to support the process of identifying, measuring,
pengukuran, pemantauan dan pengendalian risiko, Bank monitoring, and controlling risks, the Bank continuously
mengembangkan sistem informasi manajemen risiko develops risk management information systems in line
secara berkesinambungan sesuai dengan meningkatnya with the increasing development and complexity of the
perkembangan dan kompleksitas bisnis Bank. Bank’sBank’s business.
Sistem informasi manajemen risiko yang dimiliki oleh BMI, The risk management information system owned by BMI,
antara lain diwujudkan dalam bentuk laporan internal Bank, among others, is manifested in the form of internal Bank
Laporan Profil Risiko, Laporan Tingkat Kesehatan Bank reports, Risk Profile Reports, Risk-based Bank Soundness
berbasis Risiko, Laporan Penyediaan Modal Minimum sesuai Level Reports, Minimum Capital Adequacy Reports according
Profil Risiko, Laporan Portofolio Pembiayaan secara bankwide to Risk Profiles, Financing Portfolio Reports at the bankwide
dan per segmen bisnis, Laporan Risiko Operasional, Liquidity level, and per business segment, Operational Risk Reports,
Key Risk Indicator (LKRI) untuk risiko likuiditas, dan laporan- Liquidity Key Risk Indicator (LKRI) for liquidity risk, and other
laporan lainnya. Laporan-laporan tersebut dapat dijadikan reports. These reports also serve as a source to support the
sebagai sumber yang mendukung untuk pengambilan management’s decision-making process.
keputusan oleh manajemen.
SISTEM PENGENDALIAN INTERNAL YANG COMPREHENSIVE INTERNAL CONTROL

MENYELURUH SYSTEM
Implementasi sistem pengendalian internal dilakukan The implementation of internal control system attached to
melekat pada masing-masing unit kerja yang merupakan each work unit is the first line of defense in risk management.
lini pertahanan pertama manajemen risiko. Pelaksanaan The implementation of an internal control system is
sistem pengendalian internal didukung oleh ketentuan dan supported by provisions and a framework developed by the
kerangka yang dikembangkan oleh fungsi lini pertahanan second line of defense in risk management. The adequacy
kedua manajemen risiko. Kecukupan dan efektivitas system and effectiveness of the internal control system are reviewed
pengendalian internal dikaji ulang secara berkala oleh unit periodically by the internal audit work unit, which is the third
kerja audit internal yang merupakan lini pertahanan ketiga line of defense in risk management.
manajemen risiko.
Selama tahun 2022, peran dan efektivitas unit kerja audit Throughout 2022, the role and effectiveness of the internal
internal untuk memberikan nilai tambah bagi proses bisnis audit work unit in providing added value to business
dan operasional di antaranya: processes and operations include:
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. Carrying out a thematic audit approach to encourage
mendorong peningkatan efektivitas terhadap identifikasi better effectiveness in identifying the need for
kebutuhan perbaikan pengelolaan risiko dan kontrol; improvement in risk management and control;
3. Melakukan penugasan audit pada aktivitas bisnis dan 3. Performing audits on business and operational activities
operasional pada seluruh jenjang lini perusahaan; at all levels within the Bank;
4. Memastikan dan memantau kelemahan internal yang 4. Ensuring and monitoring any found internal weaknesses
telah ditemukan menjadi fokus perbaikan unit kerja and make them the focus of work unit improvements for
untuk ditindaklanjuti; dan follow-up actions; and
5. Melakukan diskusi dan pembahasan dengan unit 5. Holding discussions with SKMR and compliance
kerja SKMR dan kepatuhan dalam upaya perbaikan work units in an effort to improve the adequacy and
kecukupan dan efektivitas tata kelola, manajemen risiko, effectiveness of governance, risk management and
dan pengendalian. control.
Unit kerja SKMR juga melakukan kaji ulang secara The SKMR work unit also conducts independent reviews of
independen atas metode, asumsi dan parameter terkait methods, assumptions, and parameters related to the risks
dengan risiko atas pengembangan produk, prosedur, dan associated with product development, procedures, and
aktivitas yang dilakukan oleh unit kerja lain sebagai bentuk activities carried out by other work units as a form of internal
dari pengendalian internal. control.
PENERAPAN BUDAYA MANAJEMEN RISIKO THE IMPLEMENTATION OF RISK MANAGEMENT

CULTURE
Internalisasi budaya manajemen risiko sangat penting Internalization of risk management culture is very important
bagi BMI. Berikut adalah rangkaian penerapan budaya for BMI. The following is a series of risk management culture
manajemen risiko yangd dijalankan oleh Bank. implementation carried out by the Bank.
1. Prinsip 1. Principles
Landasan inti yang kuat diperlukan dalam penerapan A strong core foundation is required in the
manajemen risiko yang efektif pada semua lini guna implementation of effective risk management at all
menanamkan prinsip kehati-hatian dan nilai-nilai penting levels in order to instill the precautionary principles
suatu risiko kepada seluruh sumber daya manusia and important values of risk in all human resources.
yang dimiliki. Kesadaran pentingnya penerapan risiko Awareness of the importance of risk implementation is
diharapkan dapat menjadi panduan dalam menjalankan expected to be a guidance in carrying out every activity,
setiap aktivitas, baik terhadap risiko operasional, risiko whether it is operational risk, compliance risk, and other
kepatuhan, dan risiko lainnya. risks.
2. Sosialisasi 2. Socialization
Pada tahun 2022, BMI telah menjalankan berbagai In 2022, BMI has continued to carry out various programs
program dan inisiasi secara berkelanjutan, yang and initiatives aimed at developing risk culture in the
bertujuan untuk mengembangkan budaya risiko di work environment. Some of the programs and initiatives
lingkungan kerja, beberapa program dan insiatif yang that are carried out include:
dijalankan antara lain mencakup:
a. Menyampaikan materi awareness melalui media a. Delivering awareness material through video,
video, podcast dan e-mail blast kepada seluruh podcasts, and e-mail blasts to all employees;
karyawan;
b. Pelaksanaan dan pemberdayaan Operational Risk b. Implementation and empowerment of Operational
Champion (ORION) untuk mendorong unit kerja Risk Champion (ORION) to encourage work units to
melakukan proses identifikasi risiko yang melekat carry out the risk identification process inherent in
pada semua aktivitas unit kerja dan memastikan all activities of work units and ensure that follow-up
bahwa tindak lanjut perbaikan dilakukan; actions for improvements are carried out;
c. Penyampaikan sosialisasi atas ketentuan yang c. Socialization of applicable provisions to ensure that
berlaku untuk memastikan bahwa ketentuan the provisions are understood by all relevant work
dipahami oleh seluruh unit kerja terkait; units;
d. Pelaksanaan sertifikasi manajemen risiko yang d. Implementation of risk management certification,
dilakukan berdasarkan prioritas yang ditetapkan dan which is carried out based on the established
mengacu pada ketentuan regulator yang berlaku; priorities and refers to applicable provisions issued
by regulators;
e. Pelaksanaan sharing session terkait dengan e. Conducting sharing sessions related to risk
manajemen risiko; management;

f. Pelaksanakan Muamalat Internal Certification (MIC) f. Implementation of Muamalat Internal Certification

dengan topik antara lain mengenai manajemen (MIC) with topics related to risk management;
risiko;
g. Penyampaikan anti-fraud campaign melalui email g. Submission of anti-fraud campaign via email blasts
blast dan sosialisasi. and outreach.
3. Pengembangan 3. Development
Pengembangan budaya risiko di Bank dilakukan dengan, The development of the Bank’s risk culture is carried out
antara lain: through:
a. Pelaksanaan risk forum di unit kerja secara rutin a. Holding risk forums in work units on a regular basis
untuk membahas risk issue yang muncul dan bentuk to discuss emerging risk issues and improvements
perbaikan yang telah dan akan dilakukan; that have been and will be carried out;
b. Pengembangan operational risk tools seperti b. Developing operational risk tools such as conducting
melakukan kajian pada Key Risk Indicator (KRI), Risk studies on Key Risk Indicators (KRI), Risk & Control
& Control Self Assessment (RCSA) dan parameter Self Assessment (RCSA), and operational risk
pengukuran risiko operasional; measurement parameters;
c. Penginian ketentuan internal terkait risiko kredit, c. Updating internal provisions related to events such
risiko pasar dan kejadian risiko operasional; as credit risk, market risk, and operational risk;
d. Pengadaan ORION awards dalam rangka menghargai d. Creating ORION awards in order to appreciate
kontribusi dan pencapaian yang telah dilakukan contributions and achievements that have been
ORION dalam mendorong pelaksanaan budaya made by ORION in encouraging the implementation
risiko di unit kerja. of risk culture in work units.
EFEKTIVITAS SISTEM MANAJEMEN RISIKO THE EFFECTIVENESS OF RISK MANAGEMENT

SYSTEM
Penerapan sistem manajemen risiko di BMI telah berjalan The risk management system at BMI has been implemented
efektif. Dewan Komisaris dan Direksi dibantu oleh komite effectively. The Board of Commissioners and the Board of
di bawahnya serta DPS telah menjalankan perannya secara Directors are assisted by several committees, and the DPS
aktif. Secara berkala, seluruh organ tersebut melaksanakan has actively carried out its roles. Periodically, these organs
pertemuan untuk membahas dan memberikan rekomendasi hold meetings to discuss and provide recommendations to
kepada Dewan Komisaris dan Direksi. Efektivitas sistem the Board of Commissioners and Directors. The effectiveness
manajemen risiko di Bank dikaji berdasarkan hal-hal sebagai of the Bank’s risk management system is assessed based on
berikut: the following matters:
1. Kebijakan, prosedur dan penetapan limit risiko telah 1. The Bank has policies, procedures, and risk limit setting.
dimiliki oleh Bank. Kebijakan dan prosedur diatur dalam The policies and procedures are regulated in the
hierarki ketentuan internal Bank di atas. Limit risiko hierarchy of the Bank’s internal provisions, as shown
telah diimplementasikan oleh Bank antara lain dalam above. The Bank has applied risk limits, some of them
bentuk limit risiko kewenangan memutus pembiayaan, in the form of risk limits on the authority for financing
limit alokasi pembiayaan untuk meminimalkan decisions, limits on financing allocation to minimize
terjadinya risiko konsentrasi pembiayaan, limit dealer the risk of financing concentration, limits on dealers in
untuk melakukan transaksi tresuri, dan limit lain terkait treasury transactions, and other limits related to the
operasional Bank. Bank’s operations.
2. Perkembangan eksposur risiko yang dihadapi oleh Bank 2. The development of risk exposure faced by the Bank
dipantau secara berkala dan dilaporkan kepada Direksi is regularly monitored and reported to the Board of
atau Dewan Komisaris dalam bentuk laporan dan atau Directors or the Board of Commissioners in the form of
presentasi di rapat Direksi atau Dewan Komisaris, atau reports and/or presentations at meetings of the Board
rapat komite level Direksi dan Dewan Komisaris. of Directors or Board of Commissioners, or meetings by
committees under the Board of Directors and Board of
Commissioners.
3. Proses identifikasi, pengukuran, pemantauan dan 3. The processes of identifying, measuring, monitoring, and
pengendalian risiko telah dilakukan oleh unit-unit kerja controlling risk have been carried out by work units, in
sesuai dengan tugas dan tanggung jawabnya masing- line with their respective duties and responsibilities;
masing;
4. Sistem pengendalian internal yang menyeluruh telah 4. A comprehensive internal control system has been
dilaksanakan oleh unit Internal Audit dalam bentuk carried out by the Internal Audit unit through periodic
pelaksanaan audit berkala maupun audit tematik dan auditing or thematic auditing and also in the form of
dilaksanakan juga dalam bentuk kajian independen yang independent reviews conducted by SKMR on products,

dilakukan oleh SKMR atas produk, program, proses dan programs, processes, and activities of the work units that
aktivitas yang dilakukan oleh unit kerja pemilik produk, own the products, processes, programs, and activities.
proses, program dan aktivitas.
Evaluasi atas efektivitas manajemen risiko juga dilakukan The effectiveness of risk management is evaluated by
melalui laporan berkalan yang dikirimkan kepada Dewan submitting periodic reports to the Board of Commissioners,
Komisaris, Direksi dan DPS dalam “Laporan Profil Risiko” dan Directors, and DPS in “Risk Profile Reports” and “Bank
“Laporan Tingkat Kesehatan Bank”. Soundness Level Reports.”
Kebijakan dan Prosedur Policies and Procedures

BMI melakukan review efektivitas terhadap kebijakan dan BMI periodically reviews the effectiveness of policies and
prosedur secara berkala oleh pemilik ketentuan internal procedures conducted by owners of internal provisions in
yang berkoordinasi dengan unit kerja terkait. Dalam coordination with related work units. The review considers
pelaksanaannya, memperhatikan masukan dari hasil inputs from internal and external auditors' audit findings to
pemeriksaan unit internal audit dan auditor eksternal dalam improve internal processes and procedures.
rangka perbaikan proses dan prosedur internal.
Salah satu metode lainnya untuk melihat efektivitas atas Another method for assessing the effectiveness of policies
kebijakan dan prosedur adalah pemeriksaan yang dilakukan and procedures is an inquiry conducted by the operations
oleh unit kontrol operasi yang secara berkala melakukan control unit, which periodically conducts inspections
pemeriksaan secara sampling atas transaksi operasional. by sampling operational transactions. For policies and
Atas kebijakan dan prosedur yang dipandang tidak efektif procedures deemed ineffective and/or no longer relevant
dan atau tidak relevan lagi berdasarkan review berkala, based on periodic reviews, further improvements will be
dilakukan penyempurnaan lebih lanjut yang dilakukan oleh made by owners of the provisions.
pemilik ketentuan.
Risk Appetite Risk Appetite

Penetapan risk appetite dan risk tolerance dapat membantu Determining risk appetite and risk tolerance can help the
Bank untuk mencapai target bisnis yang ingin dicapai. Dalam Bank achieve its business targets. The implementation of risk
implementasinya, bisa dilakukan secara dua arah, yakni appetite and risk tolerance can be done in two directions,
bottom up dan top down. Risk appetite dan risk tolerance namely bottom-up and top-down. The Bank's risk appetite and
Bank dituangkan dalam bentuk antara lain target market, risk risk tolerance are conveyed in the form of, among others, target
acceptance criteria dan limit-limit risiko serta treshold. market, risk acceptance criteria, and risk limits and thresholds.
Dalam menetapkan risk appetite dan risk tolerance, Bank In determining risk appetite and risk tolerance, the Bank
mempertimbangkan strategi dan tujuan bisnis serta takes into account business strategies and objectives, as well
kemampuan dalam mengambil risiko (risk bearing capacity). as the ability to take risks (risk-bearing capacity). If there is
Apabila terjadi perubahan atas kondisi Bank Muamalat dan atau a change in Bank Muamalat's conditions and/or external
kondisi eksternal, limit dapat disesuaikan lebih cepat sehingga conditions, the limit can be adjusted more quickly so that it
selalu terbarukan dan sesuai dengan kondisi yang dihadapi. is always updated and in accordance with current conditions.
Stress Test Stress Test

Stress test atas risiko kredit, likuiditas, pasar dan operasional Stress tests on credit, liquidity, market, and operational risks
dilakukan secara berkala oleh SKMR. Stress test dimaksud are conducted regularly by SKMR. The stress test is carried
dilakukan untuk melihat kerentanan kondisi permodalan out to see the vulnerability of Bank capital conditions to
Bank terhadap kondisi stress yang mungkin dihadapi. Asumsi the stress conditions that the Bank may encounter. The
yang digunakan dalam perhitungan stress test tahun buku assumptions used in calculating stress test for the 2022 fiscal
2022 antara lain: year include:
1. Stress test atas risiko likuiditas dengan menggunakan 1. Stress test on liquidity risk with an assumption that there
asumsi adanya kebutuhan penyaluran pembiayaan, is a need to distribute finance, a possibility of customers
kemungkinan penarikan dana oleh nasabah dilihat dari withdrawing funds from the Bank, which is seen from the
behaviour maupun kontraknya. behavior and contracts.
2. Stress test atas risiko pasar antara lain dengan 2. Stress tests on market risk, by using the assumption of
menggunakan asumsi perubahan nilai tukar tertentu changes in certain exchange rates on Bank Net Open
terhadap Posisi Devisa Neto (PDN) Bank. Position (NOP).

3. Stress test atas risiko kredit menggunakan asumsi kinerja 3. Stress tests on credit risk, by making assumptions about
nasabah pembiayaan yang terdampak maupun tidak the financing performance of customers affected or not
terdampak COVID-19 dalam kondisi pandemi COVID-19 affected by COVID-19 during the COVID-19 pandemic
dan dampaknya terhadap permodalan Bank. and the impact on the Bank's capital.
4. Stress test risiko operasional dengan melakukan kajian 4. Stress test on operational risk, by conducting a review
atas kesiapan Data Recovery Center (DRC) untuk menguji of the readiness of the Data Recovery Center (DRC) to
kerentanan atas sistem IT sehingga dapat mendeteksi test the vulnerability of IT systems so that they can detect
kondisi eksternal yang membahayakan data center. external conditions that could harm the data center.
Pelaksanaan stress test yang dijalankan oleh Bank pada The Bank performs stress tests using models developed
dasarnya menggunakan model yang dikembangkan dari from historical data or other approaches. Stress test results
data historis atau menggunakan pendekatan lainnya. Hasil are reported to the Board of Directors and coordinated with
stress test dilaporkan kepada Direksi dan dikoordinasikan related units for mitigation and follow-up actions to minimize
dengan unit terkait untuk dilakukan mitigasi dan tindak the occurrence of the worst conditions.
lanjut untuk meminimalkan terjadinya kondisi terburuk.
PERNYATAAN DIREKSI DAN/ATAU DEWAN STATEMENT OF THE BOARD OF DIRECTORS

KOMISARIS ATAU KOMITE AUDIT ATAS AND/OR THE BOARD OF COMMISSIONERS OR
KECUKUPAN SISTEM MANAJEMEN RISIKO THE AUDIT COMMITTEE ON THE ADEQUACY OF
THE RISK MANAGEMENT SYSTEM
BMI menerapkan sistem manajemen risiko untuk semua BMI implements a risk management system for all types of
jenis risiko yang dihadapi Bank agar tingkat risikonya risks faced by the Bank so the level of risk can be managed
dapat dikelola dan diukur. Pada tahun 2022, Bank telah and measured. In 2022, the Bank made maximum efforts
berupaya maksimal dalam memastikan kecukupan sistem to ensure the adequacy of the risk management system,
manajemen risiko, antara lain melalui penerapan tata kelola such as through the implementation of risk management
manajemen risiko, hasil kajian, kerangka manajemen risiko, governance, review results, risk management framework,
ketentuan internal, limit risiko yang dikaji secara berkala dan internal provisions, and risk limits that are reviewed
pelaksanaan pengendalian internal, yang didukung dengan periodically, as well as the implementation of internal
infrastuktur yang memadai. controls, supported by well-developed infrastructure.
Penyampaian hasil pengelolaan manajemen risiko Bank Results of the Bank’s risk management are submitted to the
kepada Direksi, Dewan Komisaris, dan DPS telah dilakukan Board of Directors, the Board of Commissioners, and DPS
melalui media yang tersedia secara konsisten dan tepat through media that are available consistently and promptly
waktu sebagai sarana pengambilan keputusan. as a means of decision-making.
Penerapan manajemen risiko di seluruh lini Bank The implementation of risk management across all of the
dilaksanakan secara aktif dalam bentuk mengidentifikasi Bank’s business lines is actively carried out by identifying
risiko inheren dan memastikan kecukupan kontrol telah inherent risks and ensuring adequate controls have been
dilakukan. Hal ini diperkuat dengan adanya budaya risiko applied. This is reinforced by a risk culture that is continuously
yang secara berkelanjutan ditekankan, baik dalam aktivitas emphasized, both in business and operational activities.
bisnis maupun operasional.
Dengan berbagai pertimbangan itu, Direksi, Dewan With these various considerations, the Board of Directors,
Komisaris, maupun DPS serta organ lain yang dalam the Board of Commissioners, DPS, and other organs
organisasi manajemen risiko Bank, meyakini bahwa within the Bank’s risk management organization believe
sistem manajemen risiko yang diterapkan oleh BMI telah that BMI has implemented an adequate risk management
memadai. Kendati demikian, Bank akan terus mengevaluasi system. Nevertheless, the Bank will continue to evaluate its
penerapannya seiring dengan perkembangan usaha Bank implementation in line with the development of the Bank’s
serta industri. business and industry.

PENERAPAN MANAJEMEN RISIKO THE IMPLEMENTATION OF INTEGRATED RISK

TERINTEGRASI MANAGEMENT
Sesuai Peraturan OJK No. 45/POJK.03/2020 tentang In accordance with OJK Regulation No. 45/POJK.03/2020
Konglomerasi Keuangan, struktur konglomerasi keuangan concerning Financial Conglomerates, the financial
antara BMI sebagai entitas utama dengan PT Al-Ijarah conglomerate structure between BMI as the main entity
Finance (ALIF) sebagai anggota konglomerasi dinyatakan and PT Al-Ijarah Finance (ALIF) as a conglomerate member
bubar karena Konglomerasi Keuangan Muamalat tidak lagi was declared disbanded because the Muamalat Financial
memenuhi kriteria sebagai Konglomerasi Keuangan. Conglomerate no longer met the criteria of a Financial
Conglomerate.
Pembubaran ini dinyatakan berlaku mulai tahun 2021. This dissolution has been effective since 2021. However,
Meskipun demikian, pemantauan perkembangan grup monitoring the development of the BMI financial group is
keuangan BMI tetap dilakukan melalui penyampaian tertulis still being carried out through written submissions to the
kepada OJK secara berkala. OJK, done periodically.
PENGELOLAAN RISIKO UTAMA BANK MANAGEMENT OF THE BANK’S MAJOR RISKS
Risiko Kredit Credit Risk
Pengungkapan Eksposur dan Penerapan Manajemen Exposure and Implementation of Credit Risk
Risiko Kredit Management
Risiko kredit adalah risiko akibat kegagalan nasabah Credit risk is the risk resulting from the default of a customer
atau pihak lain dalam memenuhi kewajiban kepada bank or other party to fulfill obligations to the Bank, in accordance
sesuai dengan perjanjian yang disepakati, termasuk risiko with the agreement, including credit risk due to debtor
kredit akibat kegagalan debitur, risiko konsentrasi kredit, default, credit concentration risk, counterparty credit risk,
counterparty credit risk, dan settlement risk. and settlement risk.

Risiko kredit dapat bersumber dari berbagai aktivitas bisnis Credit risk can originate from the Bank’s various business
Bank, terutama dari penyaluran pembiayaan. Bank juga activities, particularly financing. The Bank also faces credit
menghadapi risiko kredit dari berbagai instrumen keuangan risk from various financial instruments, such as securities,
seperti surat berharga, akseptasi, transaksi antar bank, acceptances, interbank transactions, trade financing
transaksi pembiayaan perdagangan, transaksi nilai tukar 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 to minimize
meminimalkan risiko kredit sesuai dengan prinsip kehati- credit risks, in accordance with banking prudential principles,
hatian perbankan BMI telah memiliki organisasi manajemen BMI already has credit risk management organization as
risiko kredit sebagai berikut: follows:
Organisasi
Tanggung Jawab Responsibilities
Organization
Dewan Komisaris 1. Menyetujui rencana pembiayaan tahunan, 1. Approve the annual financing plan, including
The Board of Commissioners termasuk pembiayaan kepada pihak terkait Bank financing to related parties of the Bank and
dan pembiayaan kepada nasabah besar tertentu; financing to certain priority customers;
2. Mengawasi pelaksanaan rencana pembiayaan 2. Monitor the implementation of the financing plan
dan melakukan fungsi pengawasan terhadap and carry out the oversight function of the Board
Direksi terkait langkah perbaikan apabila of Directors regarding corrective measures if the
pelaksanaan pembiayaan menyimpang dari financing plan deviate from the established plan;
rencana yang telah dibuat;
3. Menjalankan fungsi pengawasan risiko kredit 3. Carry out the credit risk monitoring function
melalui ROC, Audit Committee dan GCG Committee. through the ROC, Audit Committee, and GCG
Committee.

Organisasi
Organization
Direksi 1. Menyusun dan melaksanakan rencana 1. Formulate and carry out the financing plan
The Board of Directors pembiayaan yang dituangkan dalam rencana outlined in the Bank’s business plan and ensure
bisnis Bank serta memastikan pelaksanaanya the implementation is in line with the plan;
telah sesuai dengan rencana;
2. Memastikan ketaatan Bank terhadap peraturan 2. Ensure the Bank's compliance with applicable
perundangan yang berlaku terkait pembiayaan. laws and regulations related to financing. This
Tanggung jawab ini juga dijalankan oleh Direksi responsibility is also carried out by the Board
melalui Risk Management Committee. of Directors through the Risk Management
Committee;
3.
Memastikan bahwa pemutusan pembiayaan 3. Ensure that financing decisions are made based
dilakukan dengan berdasarkan pada four-eye on the four-eye principle, according to the scope
principle sesuai limit kewenangan memutus of authority to decide on financing that is set
pembiayaan yang ditetapkan berjenjang dan in stages and is carried out by the Financing
dilaksanakan oleh Komite Pembiayaan. Committee.
Dewan Pengawas Syariah 1. Memastikan pemenuhan prinsip syariah dalam 1. Ensure the implementation of sharia principles in
Sharia Supervisory Board kebijakan pembiayaan Bank the Bank’s financing policies;
2. Memberikan nasihat serta saran kepada Direksi 2. Give advice and suggestions to the Board of
agar sesuai dengan prinsip syariah. Directors, in line with sharia principles.
Komite Kebijakan Pembiayaan, 1.
Memberikan saran dan langkah perbaikan 1. Provide suggestions and corrective measures
yang di Bank dilaksanakan kepada Direksi mengenai hal terkait penerapan to the Board of Directors regarding the
fungsinya oleh Risk Management dan pelaksanaan kebijakan pembiayaan serta implementation of financing policies and
Committee hasil pemantauan; monitoring results;
The Financing Policy Commitee, 2.
Evaluasi atas perkembangan dan kualitas 2. Evaluate the development and quality of financing
whose functions are carried portofolio pembiayaan dan kebenaran portfolios and the regularity in exercising
out by the Risk Management pelaksanaan kewenangan memutus pembiayaan. authority to make financing decisions.
Commitee
Komite Pembiayaan 1. Memastikan bahwa pembiayaan diberikan 1. Ensure that financing decision is made based on
Financing Commitee berdasarkan analisis yang jujur, objektif dan honest, objective, and thorough analysis, and free
seksama serta bebas dari benturan kepentingan; from conflicrs of interest;
2. Memastikan pembiayaan yang diberikan telah 2. Ensure that the provided financing fulfills
memenuhi norma umum perbankan dan telah general norms in the banking industry and is in
sesuai dengan prinsip pembiayaan yang sehat. accordance with sound financing principles.
Asset and Liabilities Commitee 1. Melakukan review atas ketersediaan dana untuk 1. Review the availability of funds to be disbursed in
Asset and Liabilities Commitee disalurkan dalam bentuk pembiayaan; the form of financing;
2. Melakukan review dan mengusulkan margin/ 2. Review and propose margin/ujrah/profit sharing/
ujrah/bagi hasil/nisbah bagi hasil pembiayaan profit sharing ratios of financing periodically.
secara berkala.
Unit Kerja terkait Pembiayaan 1. Lini pertahanan pertama manajemen risiko kredit 1. The first line of defense in credit risk management
Work Units related to Financing adalah unit bisnis terkait pembiayaan (termasuk is business units related to financing (including
unit kerja pengelola pembiayaan bermasalah), the non-performing financing work unit), the
unit kerja risiko pembiayaan dan unit kerja financing risk work unit, and the financing
operasional pembiayaan, yang langsung operational work unit, which deal directly
berhadapan dengan risiko dan bertanggung with risks and are responsible for increasing
jawab untuk mengembangkan kesadaran untuk awareness to minimize credit risks;
meminimalkan risiko kredit.
2. Lini pertahanan kedua manajemen risiko kredit 2.
The second line of defense in credit risk
adalah SKMR, unit kepatuhan dan unit legal, yang management is the SKMR, the compliance unit,
bertanggung jawab melakukan pengembangan and the legal unit, which are responsible for
strategi manajemen risiko kredit, pemeliharaan developing credit risk management strategies,
dan pengembangan berkelanjutan dari kerangka maintaining and sustaining the credit risk
pengelolaan risiko kredit dan memberikan management framework, and providing inputs
masukan serta arahan kepada unit kerja terkait and direction to work units related to financing
pembiayaan mengenai proses pengelolaan risiko regarding the credit risk management process,
kredit, pengukuran risiko kredit dan pelaporan credit risk measurement, and financing reporting
pembiayaan pada sistem Bank on the Bank's system.
3. Lini pertahanan ketiga manajemen risiko kredit 3.
The third line of defense in credit risk
adalah unit internal audit yang bertanggung jawab management is the internal audit unit, which is
melakukan risk-based audit yang memberikan responsible for conducting risk-based audits that
added value kepada lini pertahanan pertama dan provide added value to the first and the second
kedua, untuk memastikan bahwa seluruh elemen lines of defense, ensuring that all elements of the
Bank telah melaksanakan fungsi dan tanggung Bank have carried out their respective functions
jawabnya dengan baik termasuk memastikan and responsibilities properly, as well as ensuring
kesesuaian dengan kebijakan manajemen BMI compliance with BMI’s management policies and
dan regulasi yang berlaku. applicable regulations.

Strategi Manajemen Risiko Kredit Credit Risk Management Strategy

Bank telah melakukan strategi manajemen risiko kredit The Bank has carried out credit risk management strategies,
yaitu di antaranya melalui penetapan limit risiko, proses some through risk limit setting, financing processes
pembiayaan yang didukung dengan infrastruktur yang supported by adequate infrastructure, and updated internal
memadai, termasuk dukungan sistem dan ketentuan systems and regulations.
internal yang diperbaharui.

Dalam rangka mengelola aktivitas pembiayaan untuk In order to manage financing activities to minimize credit
meminimalkan risiko kredit sesuai dengan prinsip kehati- risk based on prudential principles in the banking sector, the
hatian perbankan, Bank telah memiliki/melaksanakan Bank has implemented the following measures:
sebagai berikut:
a. Menetapkan arah pembiayaan dengan target dan ukuran a. Set up clear targets and measures in the financing
yang jelas, meliputi pembiayaan good bank dan new bank direction, including quality financing for good bank and
yang berkualitas, dengan target nasabah pembiayaan new bank, by targeting low-risk customers and financing
yang berisiko rendah dan pembiayaan kepada segmen for the Islamic segment;
Islami;
b. Mempercepat penyelesaian pembiayaan bermasalah b. Accelerate the resolution of non-performing financing by
dengan menetapkan strategi penyelesaian, didukung establishing settlement strategy, supported by adequate
oleh infrastruktur dan sumber daya manusia yang infrastructure and human resources;
memadai;
c. Membentuk organisasi manajemen risiko kredit untuk c. Establish a credit risk management organization to
mendukung pencapaian bisnis Bank; support the Bank’s business achievements;
d. Mengimplementasikan proses pembiayaan yang sehat d. Implement an end-to-end sound financing process, such
secara end to end antara lain dengan menetapkan as by establishing and/or improving risk acceptance
dan atau memperbaiki risk acceptance criteria (RAC), criteria (RAC) and carrying out a qualified initiation
melaksanakan proses inisiasi, analisis, pemutusan process, analysis, financing approval, financing
pembiayaan, pencairan pembiayaan dan pemantauan disbursement, and financing monitoring;
pembiayaan secara berkualitas;
e. Menetapkan strategi manajemen risiko kredit melalui e. Establish a credit risk management strategy by
antara lain penetapan Financing Allocation Limit (FAL), determining Financing Allocation Limits (FAL), financing
limit pemutusan pembiayaan, dan ketentuan internal termination limits, and internal provisions, which are
yang dikaji berkala; reviewed periodically;
f. Menjaga kualitas pembiayaan dan melakukan f. Maintain the quality of financing and manage the risk
pengelolaan risiko konsentrasi pembiayaan, melalui of financing concentration by monitoring individual
pemantauan pembiayaan secara individual atau or portfolio financing, setting up financing limits on
portfolio, melakukan penetapan limit pembiayaan certain economic sectors and on financing exposure to
antara lain atas sektor ekonomi tertentu, dan eksposur customers and/or groups of customers.
pembiayaan pada nasabah dan atau grup nasabah.
Kebijakan Pengelolaan Risiko Konsentrasi Pembiayaan Financing Concentration Risk Management Policy
Bank melakukan pengelolaan risiko konsentrasi pembiayaan The Bank manages the risk of financing concentration by
melalui melalui penetapan limit antara lain atas sektor setting up limits on certain economic sectors and on financing
ekonomi tertentu dan eksposur pembiayaan pada nasabah exposure to customers and/or groups of customers.
dan atau group nasabah.
Beberapa data yang digunakan untuk pengelolaan risiko Some of the data used for concentration risk management
konsentrasi antara lain: include:
a. Batas Maksimum Penyaluran Dana (BMPD) yang a. Maximum Limit of Fund Distribution (BMPD), which is
merupakan persentase maksimum penyaluran dana the maximum percentage of fund disbursement to the
yang ditetapkan terhadap modal Bank bagi penyaluran Bank’s capital in distributing funds to related parties or
dana kepada pihak terkait atau modal inti (tier 1) Bank the Bank’s core capital (tier 1) for fund disbursement to
bagi penyaluran dana kepada selain pihak terkait. other than related parties. As a precautionary measure,
Untuk kehati-hatian, Bank mengimplementasikan juga the Bank also implements internal BMPD limit, which is
limit BMPD internal yang diterapkan pada persentase applied to a certain percentage of the BMPD limit set by
tertentu dari limit BMPD yang ditetapkan oleh regulator. the regulator.

b. Target Market dan FAL yang merupakan batasan b. Target Market and FAL, which are the maximum
maksimum pembiayaan pada suatu sektor/sub sektor financing limits in a particular economic sector or sub-
ekonomi tertentu dengan mempertimbangkan risk sector by considering the Bank's risk appetite and the
appetite Bank dan potensi serta risiko sektor/sub sektor potential and risks of that economic sector/sub-sector.
ekonomi tersebut. Tools ini diimplementasikan oleh These tools are implemented by business units related
unit bisnis terkait pembiayaan dalam bentuk target to financing in the form of target markets and risk
market dan risk acceptance criteria (RAC) yang ditetapkan acceptance criteria (RAC), which are determined based
berdasarkan segmen pembiayaan atau sektor/sub on financing segments or certain economic sectors/sub-
sektor ekonomi tertentu. sectors.
c. Bank juga menggunakan data analisis risiko pembiayaan c. The Bank also uses data analysis on financing risks, which
yang digunakan untuk melengkapi perhitungan are used to complete the calculation of capital adequacy
kecukupan permodalan sesuai profil risiko Bank. based on the Bank’s risk profile.
Pengukuran Risiko Kredit dengan Pendekatan Standar Measurement of Credit Risk with Standard Approach
Bank melakukan perhitungan ATMR untuk risiko kredit The Bank calculates Risk Weighted Assets (RWA) for credit
dengan mengacu pada POJK No. 21/POJK.03/2014 tentang risk by referring to POJK No. 21/POJK.03/2014 concerning
Kewajiban Penyediaan Modal Minimum Bank Umum Syariah Minimum Capital Adequacy Requirements for Sharia
dan juga SEOJK No. 34/SEOJK.03/2015 tentang Perhitungan Commercial Banks and also OJK Circular Letter (SEOJK) No.
Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan 34/SEOJK.03/2015 concerning Calculation of Risk-Weighted
Menggunakan Pendekatan Standar bagi Bank Umum yang Assets for Credit Risk by Using a Standard Approach for
diubah dengan SE OJK No. 13/ SEOJK.03/2018 tentang Commercial Banks, which was later amended by SEOJK No.
Perubahan atas SE OJK No. 34/ SEOJK.03/2015 tentang 13/SEOJK.03/2018 concerning Amendments to SEOJK No.
Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko 34/SEOJK.03/2015 concerning Calculation of Risk-Weighted
Kredit dengan Menggunakan Pendekatan Standar bagi Bank Assets for Credit Risk by Using a Standard Approach for
Umum Syariah. Sharia Commercial Banks.
Pengukuran risiko kredit dilakukan melalui: Credit risk measurement is carried out through:
Parameter Uraian Description
Kebijakan Penggunaan Sesuai dengan metodologi pengukuran risiko kredit According to the standard approach of credit risk
Peringkat dalam Perhitungan pendekatan standar, perhitungan ATMR secara measurement methodology, the RWA calculation
ATMR untuk Risiko Kredit umum dilakukan berdasarkan pada peringkat yang is generally conducted based on ratings issued by
Policy on the Use of Ratings diterbitkan oleh lembaga pemeringkat eksternal external ratings agencies that are acknowledged by
in the Calculation of RWA for yang diakui oleh OJK. OJK.
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 credit risk RWA for several portfolio categories
Portfolio Categories based on portofolio didasarkan pada peringkat eksternal dan is based on external ratings, while for other
Ratings sebagian lagi sudah ditentukan langsung bobot categories, the risk weight are directly determined in
risikonya sesuai ketentuan OJK. accordance with OJK provisions.
Lembaga Pemeringkat Bank menggunakan peringkat terkini yang The Bank uses the latest ratings issued by external
Ratings Agencies diterbitkan dari lembaga pemeringkat eksternal rating agencies that have been recognized by
yang telah diakui oleh OJK berdasarkan SEOJK OJK, based on SEOJK No.37/SEOJK.03/201 dated
No.37/SEOJK.03/2016, tanggal 8 September 2016 September 8, 2016 regarding Rating Agencies and
perihal Lembaga Pemeringkat dan Peringkat yang Ratings recognized by OJK.
diakui OJK.
Risiko Kredit Pihak Lawan Kegiatan transaksi Bank yang meliputi pertukaran The Bank’s transaction activities, which include
Counterparty Credit Risk mata uang asing, repo dan reverse repo dapat foreign currency exchange, repo, and reverse repo,
membuat Bank terekspos risiko kredit pihak lawan. can expose the Bank to counterparty credit risk. The
Limit kredit pihak lawan ditetapkan untuk setiap counterparty credit limit is set for each counterparty
pihak lawan berdasarkan penilaian atas kapasitas based on an assessment of the capacity of each
pihak lawan dan BMPD sesuai dengan kebijakan counterparty and BMPD, in accordance with the
internal Bank. Bank's internal policy.
Perhitungan risiko kredit dalam rangka perhitungan Calculation of credit risk, in terms of calculating
kecukupan modal untuk eksposur yang capital adequacy for exposures that could create
menimbulkan risiko kredit akibat kegagalan pihak credit risk due to counterparty failure, is carried out
lawan dilakukan menggunakan pendekatan standar by using a standard approach in accordance with
sesuai dengan ketentuan yang berlaku applicable regulations.

Pengendalian Risiko Kredit Credit Risk Control

Pengendalian risiko kredit dilakukan antara lain melalui: The Bank carries out credit risk control by:
a. Penguatan sistem pengendalian internal, mencakup a. Strengthening the internal control system, including
pengawasan oleh Dewan Komisaris dan Direksi secara regular oversight by the Board of Commissioners and
berkala dan budaya pengendalian risiko yang melibatkan Board of Directors and implementation of risk control
seluruh unit kerja terkait pembiayaan, pemeriksaan culture that involves all work units related to financing.
internal secara berkala dilakukan oleh unit internal Internal control is carried out periodically by the internal
audit yang ditindaklanjuti oleh unit kerja terkait dan audit unit, which is then followed up by related work
pemeriksanaan oleh unit kerja kontrol operasional; units and inspection by the operational control work
unit;
b. Melakukan penutupan asuransi atas agunan, b. Having insurance coverage on collateral, financing, and/
pembiayaan dan atau jiwa nasabah untuk menutup or customers’ life to cover credit risks that may occur.
risiko kredit yang mungkin terjadi.
Definisi Tagihan Jatuh Tempo dan Tagihan Mengalami Definition of Accounts Due and Impaired Bills
Penurunan Nilai
Bank mendefinisikan tagihan yang telah jatuh tempo The Bank’s definition of maturing receivables is stipulated
sebagaimana diatur pada SEOJK No. 34/SEOJK.03/2015 in SEOJK No. 34/SEOJK.03/2015 concerning the Calculation
tentang Perhitungan Aset Tertimbang Menurut Risiko untuk of Risk-Weighted Assets for Credit Risk Using a Standard
Risko Kredit dengan Menggunakan Pendekatan Standar Approach for Sharia Commercial Banks, which is amended
bagi Bank Umum Syariah yang diubah dengan SE OJK No. by 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 Sharia Commercial Banks. Maturing receivables are
Pendekatan Standar bagi Bank Umum Syariah, yakni tagihan bills that are overdue for more than 90 (ninety) days, both
yang telah jatuh tempo lebih dari 90 (sembilan puluh) hari, in principal payments and/or profit-sharing payments or
baik atas pembayaran pokok dan/atau pembayaran bagi margin or ujrah.
hasil atau margin atau ujrah.
Pendekatan Pembentukan Cadangan Kerugian Approach to Establishing Allowance for Impairment Loss
Penurunan Nilai (CKPN) Individual dan Kolektif (CKPN), for Bank Only and Consolidated
Perhitungan CKPN yang dilakukan oleh Bank hanya untuk The Bank calculates CKPN only for exposures under
eksposur dengan akad murabahah saja, sesuai dengan murabahah contracts, in accordance with the adoption
penerapan PSAK 50/55 (Revisi 2006) sementara PSAK Syariah of Accounting Standard (PSAK) 50/55 (2006 Revision).
tidak mengatur secara detail. Perhitungan CKPN dilakukan Meanwhile, Sharia PSAK does not have detailed provisions.
dalam 2 (dua) pendekatan, yaitu: The CKON calculation is performed in 2 (two_ approaches,
namely:
a. CKPN Individual dihitung berdasarkan jumlah ekspektasi a. Allowance for Impairment Losses (CKPN) – Bank Only,
arus kas yang diterima di masa akan datang, dikurangi which is calculated based on expected amount of cash
jumlah tercatat. flows received in the future, less the carrying amount.
b. CKPN Kolektif dihitung dengan mempertimbangkan b. CKPN – Consolidated, which is calculated by considering
Probability of Default dan Loss Given Default dengan the 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 CKPN Calculation

Penggunaan metode statistik dalam perhitungan CKPN The use of statistical methods in calculating CKPN, as
sebagaimana dijelaskan pada butir sebelumnya hanya explained in the previous point, is only intended for
diperuntukkan pada perhitungan CKPN Kolektif. Metode calculating consolidated CKPN. The statistical methods used
statistik yang digunakan oleh Bank adalah: by the Bank are:
a. Probability of Default, yakni tingkat kemungkinan a. Probability of Default, which is the level of probability of
kegagalan nasabah memenuhi kewajiban, yang diukur customers’ failure to fulfill their liabilities. It is measured
menggunakan metode Migration untuk segmen by using Migration method for wholesale and SME
Wholesale dan SME, sedangkan untuk segmen Consumer segments and Net Flow Rate method for Consumer
menggunakan metode Net Flow Rate. segment.

b. Loss Given Default, yaitu tingkat kerugian yang diakibatkan b. Loss Given Default, which is the level of loss caused
oleh kegagalan nasabah memenuhi kewajibannya. by the customers’ failure to fulfill their liabilities. The
Perhitungan dilakukan menggunakan metode Collateral calculation is performed by using the Collateral Short Fall
Short Fall. method.
Pengungkapan Mitigasi Risiko Kredit dengan Disclosure of Credit Risk Mitigation by Using Standard
Menggunakan Pendekatan Standar Approach
Mengacu pada POJK terkait perhitungan ATMR untuk risiko Referring to the POJK regarding the RWA calculation for
kredit yang disebutkan sebelumnya, Bank juga mengakui credit risk, as mentioned above, the Bank also recognizes
keberadaan agunan, garansi, penjaminan atau asuransi the existence of collateral, guarantees, or credit insurance
kredit sebagai teknik mitigasi risiko kredit (MRK). Bank as credit risk mitigation techniques (MRK). The Bank uses
menggunakan Teknik MRK-Agunan dengan pendekatan the MRK-Collateral Technique with a simple approach
sederhana untuk sebagian besar portofolionya, di mana for most of its portfolios, in which the types of financial
jenis agunan keuangan yang diakui dalam Teknik MRK- collateral recognized in the MRK-Collateral Technique refer
Agunan mengacu kepada ketentuan yang berlaku. to applicable provisions.
Meskipun tidak diikutsertakan dalam perhitungan MRK, Even though they are excluded from the Credit Risk
Bank juga menerima jenis agunan lainnya seperti tanah Mitigation (MRK) calculation, the Bank also accepts other
dan bangunan, kendaraan bermotor, mesin dan agunan/ types of collateral, such as land and buildings, vehicles,
jaminan lainnya yang telah diatur dalam kebijakan Bank. machinery, and other collaterals stipulated in the Bank’s
Dalam ketentuan internal, juga diatur mengenai kecukupan policy. The Bank’s internal provisions also regulate the
agunan yang harus dipenuhi oleh nasabah, pihak yang adequacy of collateral that must be fulfilled by customers,
melaksanakan penilaian dan pemeriksaan agunan, aturan the parties who perform assessment and inspection of the
dan prosedur penilaian baik internal maupun eksternal, collateral, internal and external valuation procedures, as well
serta frekuensi penilaian berdasarkan jenis agunan. as the frequency of valuation based on the type of collateral.
Pengungkapan Sekuritisasi Aset Disclosure of Asset Securitization

Penjelasan mengenai sekuritisasi aset dijelaskan lebih lanjut Details on asset securitization are further explained in the
pada tabel eksposur risiko. risk exposure table.
Risiko Pasar Market Risk
Pengungkapan Eksposur dan Penerapan Manajemen Disclosure of Market Risk Exposure and Implementaion
Risiko Pasar of Market Risk Management
Risiko pasar adalah risiko pada posisi neraca dan rekening Market risk is the risk on the balance sheet and administrative
administratif akibat perubahan harga pasar, antara account positions due to changes in market prices, including
lain risiko berupa perubahan nilai dari aset yang dapat risks triggered by changes in the value of assets that can be
diperdagangkan atau disewakan. traded or leased.
Sebagai bank devisa, BMI memiliki portofolio valuta asing As a foreign exchange bank, BMI has foreign currency
dimana nilai dari aset dan kewajiban tersebut selalu terkait portfolios where the value of these assets and liabilities
dengan perubahan nilai tukar valuta asing terhadap rupiah. is always related to the movement of foreign currency
Selain itu, Bank juga menghadapi risiko pasar terkait dengan exchange rates against the rupiah. In addition, the Bank also
portofolio surat- surat berharga jenis trading yang dimiliki. faces market risk related to its tradable securities portfolios.
Dampak terhadap kegiatan usaha Bank akibat perubahan The impact on the Bank's business activities due to the
nilai tukar valuta asing terhadap rupiah dan perubahan movement of the foreign currency exchange rate against the
harga surat-surat berharga akibat adanya perubahan imbal rupiah and changes in the price of securities following yield
hasil di pasar dapat berdampak pada kinerja Bank baik movement in the market can affect the Bank's performance,
dalam hal tingkat profitabilitas atau kecukupan permodalan both in terms of profitability and the Bank's capital adequacy.
yang dimiliki oleh Bank.
Organisasi Manajemen Risiko Pasar Market Risk Management Organization

Organisasi manajemen risiko pasar untuk memastikan The organization of market risk management ensures that
bahwa DPS, Dewan Komisaris dan Direksi beserta komite di the DPS, the Board of Commissioners, the Board of Directors,
bawahnya melaksanakan fungsinya dengan baik. Termasuk and their committees carry out their functions properly. The
dalam organisasi manajemen risiko adalah dibentuknya organization of risk management includes the formation of

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

Bank memiliki strategi manajemen risiko pasar sebagai The Bank has several market risk management strategies as
berikut: follows:
a. Menjaga tingkat PDN pada level 5% atau lebih rendah a. Maintain the level of NOP at 5% or lower than the
daripada yang ditetapkan regulator; regulator’s requirement;
b. Memantau limit dealer untuk transaksi foreign exchange, b. Monitor dealers’ transaction limits, such as foreign
money market, dan fixed income, baik terhadap limit exchange, money market, and fixed income, against
utilisasi maupun kerugian; utilization and loss limits;
c. Memantau rasio PLN Bank agar tidak melanggar c. Monitor the Bank’s Foreign Loan ratio so as not to violate
ketentuan regulator; regulatory provisions;
d. Melakukan perbaikan end to end treasury process dengan d. Carry out end-to-end improvements in treasury process
memastikan fungsi middle office dan kaidah four eyes by ensuring the function of the middle office and the
principles, termasuk di dalamnya melakukan perbaikan four-eyes principles, including upgrading and developing
dan pengembang sistem treasury; the treasury system;
e. Melakukan stress test risiko pasar secara berkala; e. Conduct regular stress tests for market risk;
f. Menentukan besaran risk factor untuk transaksi valuta f. Determine the amount of risk factor for foreign exchange
asing. transactions.

Pengelolaan Portofolio Trading Book dan Banking Book Trading Book and Banking Book Portfolio Management
Serta Metodologi Evaluasi and Evaluation Methodology
Risiko pasar trading book adalah risiko yang muncul dari Market risk in the trading book is the risk that arises from
potensi kerugian akibat aktivitas trading book, antara potential losses due to trading book activities, such as
lain perubahan suku bunga dan nilai tukar. Pengelolaan changes in interest rates and exchange rates. The Bank's
risiko pasar Bank dilakukan dengan menerapkan prinsip market risk management is carried out by implementing
segregation of duties yaitu memisahkan fungsi dan tanggung the principle called segregation of duties, which separates
jawab secara independen atas transaksi tresuri, yang terdiri functions and responsibilities in treasury transactions
dari: independently and consists of:
a. Front office: unit tresuri sebagai unit pelaksana transaksi a. Front office: the treasury unit as the managing unit for
tresuri dan investasi. treasury and investment transactions.
b. Middle office: unit SKMR sebagai unit yang melakukan b. Middle office: SKMR unit as the unit that monitors,
pemantauan, menilai serta menginformasikan risiko assesses, and informs risks that may rise from trading
yang timbul dari kegiatan trading yang dilakukan oleh activities by the front office unit.
unit front office.
c. Back office: unit operasional tresuri sebagai unit c. Back office: the 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, by using market prices from independent
dengan menggunakan harga pasar dari sumber yang sources.
independen.
Risiko pasar banking book muncul akibat adanya perubahan Banking book market risk arises due to changes in interest
suku bunga dan nilai tukar atas aktivitas banking book rates and exchange rates on banking book activities that can
yang dapat berpengaruh pada profitabilitas Bank (earning affect the Bank’s profitability (earnings perspective). Market
perspective). Pengelolaan risiko pasar banking book Bank risk management in the Bank’s banking book is carried out by
dilakukan dengan mengoptimalkan struktur neraca agar optimizing the balance sheet structure to obtain maximum
mendapatkan imbal hasil yang maksimal dengan tingkat returns at an acceptable level of risk.
risiko yang dapat diterima.
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 Sharia 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 Sharia
Metode Standar bagi Bank Umum Syariah. Risiko pasar yang Commercial Banks. Market risks that must be considered in
wajib diperhitungkan dalam beban modal untuk pendekatan the capital expense for the standard approach are:
standar adalah:
a. Posisi instrumen keuangan dalam trading book yang a. The position of financial instruments in the trading book
terekspos risiko suku bunga. that are exposed to interest rate risk.
b. Posisi valuta asing dalam trading book dan banking book b. Foreign exchange positions in trading book and banking
yang terekspos risiko nilai tukar. book that are exposed to exchange rate risk.
Untuk keperluan perhitungan modal minimum menggunakan To calculate the minimum capital by using the standard
metode standar, Bank menghitung semua posisi instrumen approach, the Bank calculates positions of all financial
keuangan dalam trading book yang terekspos risiko suku instruments in trading book that are exposed to interest rate
bunga seperti pada portofolio surat berharga, serta derivatif risk, such as securities portfolios and other derivatives like FX
lainnya seperti FX Forward dan FX Swap. Untuk risiko nilai Forward and FX Swap. As for the exchange rate risk, the Bank
tukar, Bank menghitung seluruh posisi on dan off balance calculates on and off balance sheet positions in the trading
sheet, baik dalam portofolio trading book dan banking book. book and banking book portfolios.
Setiap harinya, SKMR melakukan pemantauan terhadap SKMR monitors any excess on trading limits on a daily basis.
pelampauan trading limit. Penetapan limit berfungsi Setting up the trading limits will curb the concentration of
untuk membatasi konsentrasi eksposur risiko pada suatu risk exposure in a particular position, the type of risk, and the
posisi, jenis risiko, tipe instrumen dan/atau pasar tertentu. type of instrument and/or market. The determination of this

Penetapan limit ini mengacu kepada risk tolerance Bank limit refers to the Bank's risk tolerance by considering the
dengan mempertimbangkan target profit dan risiko dari targeted profit and risks from trading activities.
aktivitas perdagangan.
Risiko Likuiditas Liquidity Risk
Pengungkapan Eksposur dan Penerapan Manajemen Disclosure on Exposure and the Implementation of
Risiko Likuiditas Liquidity Risk Management
Risiko likuiditas adalah risiko akibat ketidakmampuan bank Liquidity risk may arise from the Bank's inability to meet
untuk memenuhi kewajiban yang jatuh tempo dari sumber its maturing liabilities from funding sources such as cash
pendanaan arus kas dan/atau dari aset likuid berkualitas flow and/or high-quality liquid assets that can be liquidated
tinggi yang dapat dilikuidasi segera dan/atau diagunkan immediately and/or used as collateral without disrupting the
tanpa mengganggu aktivitas keuangan bank. Bank's financial activities.
Organisasi Manajemen Risiko Likuiditas Liquidity Risk Management Organization

Organisasi manajemen risiko likuiditas untuk memastikan The objective of a liquidity risk management organization is
bahwa DPS, Dewan Komisaris dan Direksi beserta komite di to ensure that DPS, the Board of Commissioners, the Board
bawahnya melaksanakan fungsinya dengan baik. Termasuk of Directors, and the committees carry out their functions
dalam organisasi manajemen risiko adalah dibentuknya properly. The risk management organization includes
unit kerja terkait dengan likuiditas yang terdiri dari tiga lini establishing work units related to liquidity, which consist
pertahanan manajemen risiko dengan fungsinya masing- of three lines of defense in risk management with their
masing. respective functions.
Untuk meminimalkan risiko likuiditas sesuai dengan prinsip To minimize liquidity risk based on prudential principles in
kehati-hatian perbankan, Bank telah memiliki manajemen the Banking sector, the Bank has liquidity risk management
risiko likuiditas sebagai berikut: as follows:
Organisasi
Organization
Dewan Komisaris Menjalankan fungsi pengawasan risiko likuiditas Carry out the liquidity risk monitoring function
The Board of Commissioners melalui ROC. through ROC.
Direksi 1.
Memastikan bahwa fungsi manajemen 1. Ensure that the function of liquidity risk
Tanggung jawab ini dilaksanakan risiko likuiditas sesuai tujuan strategis, skala, management is line with strategic objectives,
juga melalui ALCO yang karakteristik bisnis dan profil risiko likuiditas; scale, business characteristics, and liquidity risk
bertanggung jawab menetapkan 2.
Memastikan adanya integrasi penerapan profile;
kebijakan dan strategi terkait manajemen risiko likuiditas dengan risiko lainnya 2. Ensuring the integration of liquidity risk
risiko likuiditas. yang dapat berdampak bagi Bank. management implementation with other risks
The Board of Directors that may affect the Bank.
These responsibilities are also 3. Menerapkan rencana pendanaan darurat apabila 3. Implement an emergency funding plan if the
carried out through ALCO, status kondisi likuiditas Bank memburuk. Bank's liquidity conditions worsen.
which is responsible for setting
up policies and strategis related
to liquidity risks.
Unit kerja terkait risiko likuiditas, 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense in liquidity risk
terdiri dari unit kerja yang likuiditas adalah unit tresuri yang bertanggung management is the treasury unit, which is
berdasarkan tiga lini pertahanan jawab mengelola transaksi arus dana masuk dan responsible for managing incoming and outgoing
manajemen risiko keluar terjaga pada level yang aman bagi Bank. fund transactions at a safe level for the Bank.
Work units related to liquidity 2. Lini pertahanan kedua manajemen risiko 2. The second line of defense in liquidity risk
risks, which consist of work units likuiditas adalah SKMR yang mendukung ALCO management is the SKMR, which supports
based on three lines of defense dalam pemantauan dan pengukuran indikator- ALCO in monitoring and measuring liquidity risk
in risk management indikator risiko likuiditas, serta unit kepatuhan indicators, as well as the compliance unit, which
yang memastikan rasio likuiditas Bank telah ensures that the Bank's liquidity ratio complies
sesuai dengan ketentuan regulator. with regulatory provisions.
3. Lini pertahanan ketiga manajemen risiko pasar 3. The third line of defense in market risk
adalah unit internal audit yang bertanggung jawab management is the internal audit unit, which is
melakukan risk-based audit yang memberikan responsible for conducting risk-based audits that
added value kepada lini pertahanan pertama dan provide added value to the first and second line of
kedua, untuk memastikan bahwa seluruh elemen defense, as well as making sure that all elements
Bank telah melaksanakan fungsi dan tanggung of the Bank have carried out their functions and
jawabnya dengan baik termasuk memastikan responsibilities properly, including ensuring
kesesuaian dengan kebijakan manajemen Bank compliance with the Bank’s management policies
dan regulasi yang berlaku. and applicable regulations.

Strategi Manajemen Risiko Likuiditas Liquidity Risk Management Strategy

Pada 2022, Bank telah melakukan strategi manajemen risiko In 2022, the Bank has implemented several strategies on
likuiditas, di antaranya dengan: liquidity risk management, such as:
a. Menjaga likuiditas Bank tetap sehat yang dipantau a. Keep the Bank’s liquidity at a sound level and monitor it
secara harian; on a daily basis;
b. Menetapkan strategi peningkatan likuiditas dengan tetap b. Establish a strategy to increase liquidity while keeping
menyesuaikan pada fokus strategi bisnis Bank di 2022, it in line ith the Bank’s business strategies in 2022, by
yaitu dengan fokus pada pertumbuhan dana murah dan focusing on growing low-cost funds and optimizing
mengoptimalkan pendapatan berbasis jasa; service-based income;
c. Memperkuat layanan perbankan elektronik dan c. Strength electronic banking services and increase
meningkatkan aktovasi transaksi nasabah, melalui activation of customers’ transactions through: cardless
antara lain: tarik tunai tanpa kartu, Customer on Board cash withdrawals, Customer on Board (COB), subsidies
(COB), subsidi dan promo untuk transaksi di merchant and promos for transactions at certain merchants
tertentu dan optimalisasi referal dari karyawan. Untuk and optimizing referrals from employees. For non-
nasabah non individu dan segmen Wholesale, Bank terus individual customers and the Wholesale segment, the
mengembangkan menambah fitur cash management Bank continues to develop additional features on cash
system. management system.
d. Mengajukan kelonggaran RIM dan mengoptimalkannya d. Propose relaxation on the Intermediary Macroprudential
setelah disetujui tanggal 27 Januari 2023. Ratio (RIM) and utilize the relaxation after obtaining
approval on January 27, 2023.
e. Pada akhir 2022, Bank melakukan inisiasi untuk menjadi e. At the end of 2022, the Bank has initiated to become a
Bank Penyalur Gaji (BPG) ASN, TNI dan Polri untuk Payroll Bank (BPG) for civil servants, military, and police
meningkatkan volume dana murah dan fee based income. to increase the volume of low-cost funds and fee-based
income.
Teknik Mitigasi Risiko Likuiditas termasuk Indikator Liquidity Risk Mitigation Techniques, including Early
Peringatan Dini Permasalahan Warning Indicator on Problem
Setiap harinya, Bank melakukan pemantauan atas risiko The Bank monitors liquidity risks on a daily basis through
likuiditas melalui pelaporan atas pencapaian rasio-rasio reports of liquidity ratio achievements, which are summarized
likuiditas yang terangkum dalam Liquidity Key Risk Indicator in the Liquidity Key Risk Indicator (LKRI). Indicators included
(LKRI). Indikator-indikator yang masuk dalam laporan in the report are liquidity parameters, which describe their
tersebut ialah parameter likuiditas yang menggambarkan respective functions as a liquidity buffer, concentration
fungsinya masing-masing, baik sebagai penyangga likuiditas, level, funding dependence, and the Bank’s level of business
tingkat konsentrasi, ketergantungan pendanaan dan tingkat expansion.
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 the results of a composite rating of all parameters,
sehingga sebagai output penilaiannya akan diketahui tingkat so the output of the assessment will determine the risk
risiko dari kondisi likuiditas Bank. Hasil penilaian atas kondisi level of the Bank’s liquidity condition. Results of the liquidity
likuiditas ini diinformasikan kepada Direksi secara harian assessment are informed to the Board of Directors on a
sehingga ketika kondisi likuiditas terlihat menurun dapat daily basis. Therefore, when liquidity conditions appear to
diberikan arahan atas langkah-langkah pemulihan likuiditas be declining, the Board of Directors can give directions on
yang harus dilakukan. measures that need to be taken to restore liquidity.
Likuiditas dan Rencana Pendanaan Darurat Liquidity and Contingency Funding Plan
Dalam hal pemantauan dan pengelolaan risiko likuiditas The Bank has a policy to monitor and manage liquidity
saat kondisi krisis, BMI telah mempunyai kebijakan yaitu risks during the crisis, called the Contingency Funding Plan
Contingency Funding Plan (CFP), yang pelaksanannya (CFP), in which implementation is represented by holding
direpresentasikan melalui pelaksanaan rapat Liquidity Crisis more intensive meetings on Liquidity Crisis Mitigation Team
Mitigation Team (LCMT) yang lebih intensif. (LCMT).
Pelaksanaan rapat LCMT dijalankan dengan The LCMT meeting is held by considering the monitoring
mempertimbangkan hasil pemantauan status kondisi results of the Bank's liquidity conditions listed in the Liquidity
likuiditas Bank yang tercantum pada laporan LKRI dengan Key Risk Indicator (LKRI) report under certain conditions.
kondisi tertentu. Rapat LCMT ini diharapkan dapat The LCMT meeting is expected to speed up the recovery

mempercepat proses pemulihan atas kondisi likuiditas Bank, process of the Bank's liquidity conditions, especially through
terutama melalui perbaikan atas kinerja pendanaan dari sisi improvements in funding performance from the customers'
nasabah, maupun alternatif sumber pendanaan yang dapat side, as well as alternative sources of funding obtained from
diupayakan dari pasar uang. the money market.
Mekanisme Pengukuran dan Stress Test serta Measurement and Stress Test Mechanism and Liquidity
Pengendalian Risiko Likuiditas Risk Control
Stress test likuiditas dilakukan oleh Bank sebagai salah satu The Bank carries out liquidity stress tests as one of the risk
metode manajemen risiko untuk mengevaluasi ketahanan management methods to evaluate capital resilience, liquidity,
modal, likuiditas dan kemampuan Bank dalam menyerap and the Bank's ability to absorb losses in an exceptional but
kerugian pada suatu kejadian krisis yang exceptional but plausible crisis event, as well as identify necessary measures
plausible, serta mengidentifikasi langkah-langkah yang harus to mitigate risks and maintain capital.
dilakukan untuk memitigasi risiko dan menjaga modal.
Ruang lingkup pelaksanaan stress test likuiditas mencakup The scope of implementing liquidity stress tests is
regular issue dan juga forward looking scenario yang mengacu regular issues and forward-looking scenarios based on
pada kondisi terkini seperti kondisi pasar dan lingkungan current conditions, such as market conditions, business
bisnis dan dampaknya terhadap bisnis Bank. environment, and their impacts on the Bank's business.
Dalam perhitungan stress test likuiditas, Bank mengidentifikasi In calculating the liquidity stress test, the Bank identifies
potensi tekanan yang mungkin terjadi untuk menilai potential pressures that may occur to assess the adequacy
kecukupan likuiditas dan cadangan aktiva likuid yang of liquidity and liquid asset reserves to absorb pressures
dimiliki dalam menyerap tekanan yang timbul serta langkah that arise and take preventive actions and countermeasures
pencegahan dan penanggulangan yang tercantum dalam listed in the CFP.
CFP.
Risiko Operasional Operational Risk
Pengungkapan Eksposur dan Penerapan Manajemen Disclosure of Exposure and the Implementation of
Risiko Operasional Operational Risk Management
Risiko operasional didefinisikan sebagai kerugian akibat Operational risk is loss due to inadequate or non-functioning
ketidakcukupan dan atau tidak berfungsinya proses internal, internal processes, human errors, system failures, or external
kesalahan manusia, kegagalan sistem atau isu eksternal issues that may affect the Bank’s operations. Losses from the
yang dapat mempengaruhi operasional Bank. Kerugian dari impact of operational risks can affect financial performance
dampak risiko operasional dapat mempengaruhi kinerja and disrupt the Bank’s vision and mission achievements.
keuangan dan mengganggu pencapaian visi dan misi bank.
Lemahnya pengendalian risiko operasional dapat Weak operational risk control can affect the Bank’s business
menyebabkan dampak terhadap kegiatan usaha Bank activities, as it may increase operational costs, ultimately
yaitu meningkatnya biaya operasional dan pada akhirnya reducing the Bank’s operating profit and capital. In addition,
mengurangi laba usaha serta modal Bank. Selain itu, secara these weaknesses, in general, will disrupt smooth operations
umum kelemahan ini akan mengakibatkan kelancaran and service quality, as well as lower the Bank’s performance
operasional dan mutu pelayanan menjadi terganggu dan and competitiveness.
menurunkan kinerja dan daya saing BMI.
Organisasi Manajemen Risiko Operasional Operational Risk Management Organization

Organisasi manajemen risiko operasional yang memastikan Organization of operational risk management ensures that
bahwa DPS, Dewan Komisaris dan Direksi serta komite di the DPS, the Board of Commissioners, the Board of Directors,
bawahnya melaksanakan fungsinya dengan baik. Termasuk and the committees carry out their functions properly. The
dalam organisasi manajemen risiko adalah dibentuknya unit risk management organization includes the establishment of
kerja terkait dengan operasional yang terdiri dari 3 (tiga) lini work units related to operations, which consist of 3 (three)
pertahanan manajemen risiko dengan fungsinya masing- lines of defense in risk management with their respective
masing, sebagai berikut: functions, as follows:

Organisasi
Organization
Dewan Komisaris Menjalankan fungsi pengawasan risiko operasional Perform operational risk monitoring function
The Board of Commissioners melalui ROC, Audit Committee dan GCG Committee. through ROC, the Audit Committee, and the GCG
Committee.
Direksi 1. Memastikan bahwa fungsi manajemen risiko 1. Ensure adequate function of operational risk
Tanggung jawab yang sama operasional telah memadai sesuai dengan management, in line with the Bank’s complexity
dilaksanakan juga melalui karakteristik kompleksitas dan profil risiko Bank characteristics and risk profile, as well as fully
ALCO yang bertanggung jawab serta memahami dengan baik jenis dan tingkat understand the type and level of risk inherent in
menetapkan kebijakan dan risiko yang melekat pada kegiatan bisnis Bank; the Bank's business activities;
strategi terkait risiko operasional 2. Dalam melaksanakan tanggung jawabnya, 2. In carrying out its responsibilities, the Board
The Board of Directors Direksi membentuk Risk Management Committee of Directors establishes a Risk Management
The same responsibility is yang memastikan bahwa kerangka kerja Committee, which ensures that the operational
carried out by ALCO, which is manajemen risiko operasional telah memberikan risk management framework provides adequate
responsible for determining perlindungan memadai bagi Bank. protection for the Bank.
policies and strategies related to
operational risks
Unit kerja terkait risiko 1.
Lini pertahanan pertama manajemen risiko 1. The first line of defense in operational risk
operasional, terdiri dari unit operasional adalah seluruh unit kerja di Bank management is all of the Bank’s work units,
kerja yang berdasarkan tiga lini yang dalam fungsinya memiliki risiko inheren which in their respective functions, have inherent
pertahanan manajemen risiko masing- masing dan bertanggung jawab atas risks and are responsible for managing their
Work units related to operational pengelolaan risiko operasionalnya sehari-hari, daily operational risks and reporting issues and
risks, which consist of work units dan melaporkan permasalahan dan kejadian incidents in operational risk to SKMR.
based on three lines of defense risiko operasional kepada SKMR.
in risk management 2.
Lini pertahanan kedua manajemen risiko 2. The second line of defense in operational risk
operasional adalah SKMR yang berfungsi untuk management is SKMR, which ensures that the
meyakini bahwa risiko yang dihadapi Bank dalam risks faced by the Bank are identified, measured,
diidentifikasi, diukur dipantau, dikendalikan dan monitored, controlled, and reported correctly,
dilaporkan dengan benar, serta unit kepatuhan and the compliance unit, which ensures the Bank's
yang memastikan kepatuhan Bank atas rasio compliance in maintaining operational ratios.
operasional yang harus dijaga. SKMR juga SKMR also plays a role in formulating policies and
berperan dalam penyusunan kebijakan dan tools in operational risk management.
perangkat manajemen risiko operasional.
3.
Lini pertahanan ketiga manajemen risiko 3. The third line of defense in operational risk
operasional adalah unit internal audit yang management is the internal audit unit, which
bertanggung jawab melakukan risk-based is responsible for conducting risk-based audits
audit yang memberikan added value kepada that provide added value to the first and second
lini pertahanan pertama dan kedua, untuk line of defense, making sure that all elements of
memastikan bahwa seluruh elemen Bank telah the Bank have carried out their functions and
melaksanakan fungsi dan tanggung jawabnya responsibilities properly, including ensuring
dengan baik termasuk memastikan kesesuaian compliance with the Bank’s management policies
dengan kebijakan manajemen Bank dan regulasi applicable regulations.
yang berlaku.
Strategi Manajemen Risiko Operasional Operational Risk Management Strategy

Strategi manajemen risiko operasional yang dilakukan Bank The Bank carries out several operational risk management
antara lain melalui: strategies, such as:
a. Beberapa proyek perbaikan terkait dengan risiko a. Several improvement projects related to operational
operasional yang menjadi perhatian Bank, antara risks that become are of concern to the Bank, among
lain terkait dengan kualitas data dan dokumentasi others related to the quality of financing data and
pembiayaan; documentation;
b. Budaya Sadar Risiko Operasional dilakukan melalui b. Operational Risk Awareness Culture, which is carried
penyampaian operational risk awareness kepada seluruh out by spreading operational risk awareness to all
karyawan, pelatihan basic risk awareness secara berkala, employees, conducting regular training on basic risk
penyampaian risk awareness melalui video, media awareness, spreading risk awareness through videos,
podcast, pelaksanaan Muamalat Internal Certification podcasts, the implementation of Muamalat Internal
(MIC), dan anti-fraud campaign; Certification (MIC), and anti-fraud campaigns;
c. Risk appetite dan risk tolerance untuk risiko operasional c. Risk appetite and risk tolerance for operational risks that
yang terukur dan sesuai dengan kemampuan Bank untuk are measurable and in accordance with the Bank's ability
menyerap kerugian atas dampak risiko operasional. to absorb losses from the impact of operational risks.
d. Kecukupan mitigasi risiko atas setiap produk dan d. The adequacy of risk mitigation for each new product
aktivitas baru yang wajib disusun secara komprehensif and activity that must be prepared in a comprehensive
berdasarkan kemampuan infrastuktur dengan kontrol manner, based on the ability of infrastructure with
yang memadai dan tingkat keahlian yang cukup adequate control and sufficient level of expertise with
dengan memiliki pemahaman yang baik dalam rangka a good understanding, in carrying out operational risk
menjalankan manajemen risiko operasional. management.

e. Memastikan bahwa setiap aktivitas yang dijalankan wajib e. Make sure that every activity that is carried out must
dilengkapi dengan prosedur yang digunakan sebagai be based on procedures that are used as standard
panduan standar dan dilakukan kaji ulang secara guidelines and reviewed periodically.
berkala.
f. Memisahkan tugas dan fungsi berdasarkan konsep four f. Separate duties and functions based on a clear concept
eyes principles yang jelas untuk memastikan objektivitas of the four eyes principles to ensure objectivity and avoid
dan menghindari benturan kepentingan. conflicts of interest.
g. Mengembangkan dan mengimplementasikan perangkat g. Develop and use operational risk assessment tools,
penilaian risiko operasional yaitu Loss Event Database namely Loss Event Database (LED), Risk and Control Self-
(LED), Risk and Control Self-Assessment (RCSA) dan Key Risk Assessment (RCSA), and Key Risk Indicator (KRI);
Indicator (KRI);
h. Melakukan kaji ulang perangkat KRI dan parameter profil h. Conduct a review of KRI tools and parameters on
risiko operasional sesuai dengan ketentuan regulasi dan operational risk profile, in accordance with regulatory
mencerminkan risiko sebenarnya yang dihadapi oleh provisions, and reflect the actual risks faced by the Bank;
Bank;
i. Melakukan kajian risiko terhadap proses/produk Bank; i. Conduct a risk assessment of the Bank's processes/
j. Menunjuk Operational Risk Champion (ORION) yang products;
merupakan designated operational risk officer yang j. Appoint Operational Risk Champion (ORION), who is a
memfasilitasi proses manajemen risiko operasional di designated operational risk officer that facilitates the
unit kerja masing-masing; process of operational risk management in each work
unit;
k. Melakukan pelatihan terkait Business Continuity Plan k. Conduct trainings related to the Business Continuity Plan
(BCM) yang dilakukan untuk standardisasi pengetahuan (BCM), which is carried out to standardize knowledge
mengenai pengelolaan dan mitigasi terhadap bencana regarding disaster management and mitigation, as well
dan kelangsungan operasional bisnis. as continuity of business operations.
Kebijakan dan Prosedur Manajemen Risiko Operasional Operational Risk Management Policies and Procedures
Sebagai upaya melakukan pengelolaan risiko operasional, To manage operational risk, the Bank has policies and
Bank telah memiliki kebijakan dan prosedur yang diterapkan procedures that are applied bankwide and carried out in daily
secara bankwide dan pelaksanaan operasional sehari- operations. The Bank’s General Operational Policy contains
hari. Kebijakan Umum Operasional yang berisi panduan minimum guidelines for risk control standards on 4 (four)
minimum standar pengendalian risiko terhadap 4 (empat) factors that trigger operational risks, namely human resource
faktor penyebab risiko operasional yaitu pengelolaan management, transaction and activity management, asset
sumber daya manusia, pengelolaan transaksi dan aktivitas, and information technology management, and business
pengelolaan aset dan teknologi informasi, serta pengelolaan continuity management. At the procedural level, regulatory
kelangsungan bisnis. Pada level prosedur, diatur ketentuan provisions related to the operational activities of the Bank
yang lebih bersifat prosedural terkait dengan kegiatan are formulated, and if necessary, these provisions are
operasional Bank, dan bila diperlukan dilengkapi dengan supplemented with technical instructions.
petunjuk teknis.
Risiko Hukum Legal Risk
Pengungkapan Eksposur dan Penerapan Manajemen Disclosure of Exposure and the Implementation of Legal
Risiko Hukum Risk Management
Risiko Hukum adalah risiko akibat tuntutan hukum dan/ Legal risk is caused by lawsuits and/or weaknesses in the
atau kelemahan aspek yuridis. Risiko ini timbul antara juridical aspect. This risk could arise due to the absence of
lain karena ketiadaan peraturan perundang-undangan supporting laws and regulations or weakness in agreement,
yang mendukung atau kelemahan perikatan, seperti tidak such as a breach in the contractual terms and conditions or
dipenuhinya syarat sahnya kontrak atau pengikatan agunan imperfect binding of collateral. If legal risks are not properly
yang tidak sempurna. Apabila risiko hukum tidak dimonitor monitored, the impact on the Bank's business activities is
dengan baik maka dampak terhadap kegiatan usaha Bank the emergence of lawsuits against the Bank by customers
adalah munculnya tuntutan hukum kepada Bank oleh or third parties.
nasabah atau pihak ketiga.

Organisasi Manajemen Risiko Hukum Legal Risk Management Organization

Organisasi manajemen risiko hukum diwujudkan oleh Bank The Bank establishes a legal risk management organization
antara lain dengan membentuk satuan kerja atau fungsi by establishing a work unit or function that acts as a legal
yang berperan sebagai legal watch, yakni unit Corporate watch, called the Corporate Legal unit. This unit provides
Legal. Unit ini menyediakan analisis atau advis hukum legal analysis or advice to all employees at every level of the
kepada seluruh pegawai pada setiap jenjang organisasi. organization.
Strategi Manajemen Risiko Hukum Legal Risk Management Strategy

Bank melakukan strategi pengelolaan risiko hukum di The Bank’s strategies in managing legal risks include
antaranya melakukan perumusan ketentuan terkait tahapan formulating provisions related to stages of contract
review/penyusunan kontrak dan pengelolaan notaris dan review/preparation, managing the Bank’s notary and legal
konsultan hukum mitra Bank, melakukan review atas consultants, conducting reviews on partnership agreements
perjanjian kerja sama (PKS) yang dilakukan dengan pihak (PKS) with other parties to provide maximum legal protection
lain untuk memberikan perlindungan hukum yang optimal to the Bank, as well as conducting legal reviews on BMI
kepada Bank serta melakukan kajian hukum pada aksi corporate actions and provisions related to the Bank’s
korporasi BMI dan ketentuan terkait operasional serta operations and products from a legal standpoint.
produk Bank dari sisi hukum.
Mekanisme Pengendalian Risiko Hukum Legal Risk Control Mechanism

BMI memiliki mekanisme pengendalian risiko hukum yang BMI has legal risk control mechanisms, which are carried out
dilakukan dengan cara sebagai berikut: as follows:
a. Unit Corporate Legal melakukan kaji ulang secara a. The Corporate Legal Unit conducts periodic reviews
berkala terhadap perpanjangan/addendum kontrak/ of extensions/addendums to contracts/agreements
perjanjian antara Bank dengan pihak lain, antara lain between the Bank and other parties, such as by
dengan cara melakukan penilaian kembali terhadap reassessing the effectiveness of the enforceability
efektivitas proses enforceability guna memeriksa validitas process to check the rights validity in the contracts and
hak dalam kontrak dan perjanjian tersebut. agreements.
b. Dalam hal Bank menerbitkan garansi maka hal tersebut b. If the Bank issues a guarantee, then it must be supported
harus didukung dengan dokumen hukum yang efektif by effective and enforceable legal documents.
dan enforceable.
c. Apabila dibutuhkan, unit Corporate Legal melakukan c. If necessary, the Corporate Legal unit provides assistance
pendampingan atas proses litigasi yang dihadapi unit on litigation processes faced by work units at the Bank.
kerja di Bank.
Risiko Reputasi Reputational Risk
Risiko Reputasi Reputatioal Risk Management
Risiko reputasi merupakan risiko yang berkaitan dengan citra Reputation risk is related to the Bank’s image, which is
Bank, yaitu menurunnya tingkat kepercayaan stakeholders shown by lower stakeholders’ trust triggered by a negative
yang muncul dari persepsi negatif terhadap Bank. Risiko perception of the Bank. This risk arises due to negative
ini timbul karena adanya pemberitaan maupun publikasi news or publications from the media about BMI’s activities
negatif dari media mengenai kegiatan atau aktivitas dan and financial conditions. Negative perceptions that are not
kondisi keuangan BMI. Persepsi negatif yang tidak dikelola managed properly by the Bank can reduce public trust in
dengan baik oleh Bank dapat menurunkan kepercayaan BMI and have fatal consequences, such as a decrease in the
publik terhadap BMI dan dapat berakibat fatal seperti number of customers, slower business and/or income, and
penurunan jumlah nasabah, bisnis dan/atau pendapatan even could lead to litigation claims.
Bank hingga tuntutan litigasi.
Organisasi Manajemen Risiko Reputasi Reputation Risk Management Organization

Bank memiliki organisasi manajemen risiko reputasi dengan The Bank has reputation risk management organization by
membentuk: establishing:
a. Unit Corporate Affairs yang bertanggung jawab dalam a. The Corporate Affairs Unit, which is responsible for
melakukan pengawasan dan pengelolaan risiko reputasi monitoring and managing the Bank's reputation risk,
Bank, baik untuk hal-hal yang mencakup evaluasi atas whether it is for matters that include evaluation on

isu yang beredar, perkembangan berita di pasar dan current issues, news developments in the market, and
persepsi publik atas perusahaan dan pemegang saham. public perceptions of the company and shareholders.
b. Pada ruang lingkup operasional, BMI memiliki unit kerja b. In terms of operations, BMI has a Customer Care work
Customer Care di bawah unit kerja Operation Services unit under the Operation Services (OSC) work unit, which
(OSC) yang melakukan evaluasi atas potensi risiko evaluates the potential risk of the Bank's reputation by
reputasi Bank dengan melakukan pengelolaan dan managing and resolving customers’ complaints.
penyelesaian terhadap keluhan-keluhan nasabah.
c. Unit Marketing & Customer Management di bawah c. The Marketing & Customer Management Unit under
Direktur Retail Banking yang bertanggung jawab the Director of Retail Banking, which is responsible for
melakukan pemantauan pemberitaan atas Perseroan di monitoring the news coverage of the Company on social
media sosial dikelola. media.
Strategi Manajemen Risiko Reputasi Reputation Risk Management Strategy

BMI telah melakukan strategi manajemen risiko reputasi BMI has carried reputation risk management strategies by:
dengan melakukan, antara lain:
a. Memantau secara aktif atas berita-berita yang a. Actively monitoring current news, latest information on
beredar, informasi atas perkembangan pasar, persepsi market developments, stakeholders’ perceptions, and
stakeholders dan publikasi di media massa yang dikelola publications in mass media, which are managed by the
oleh unit Corporate Affairs; Corporate Affairs unit;
b. Memantau frekuensi umpan balik melalui berbagai b. Monitoring feedbacks via various social media platforms;
platform media sosial;
c. Menginformasikan pemberitaan positif mengenai Bank c. Informing positive news about the Bank that are related
terkait dengan aktivitas dan prestasi yang diraih; to the Bank’s activities and achievements;
d. Berpartisipasi dalam event media sebagai bagian dari d. Participating in media events as part of media
upaya media engagement; engagement efforts;
e. Membangun komunikasi yang baik kepada publik, baik e. Building good communication with the public, which
melalui penyampaian informasi secara langsung oleh can be done by having the Director/head of the branch
Direktur/pimpinan cabang, keterlibatan konsultan deliver the information directly, using services of
komunikasi dan aktivitas media sosial untuk menangani communication consultants, and holding social media
isu BMI di media sosial, serta penunjukkan PR consultant activities to deal with BMI issues on social media, as well
guna membantu pelaksanaan strategi komunikasi aksi as appointing PR consultant to help the implementation
korporasi BMI; of BMI’s corporate action communication strategy;
f. Menyiapakan Frequently Asked Question (FAQ) dan f. Preparing Frequently Asked Questions (FAQ) and
standby statement jika ada potensi berita/isu negatif. standby statements should there be potential adverse
news/issues.
g. Melaksanakan complaint handling dengan baik kepada g. Handling customers’ complaints properly, in accordance
nasabah dan sesuai dengan tenggat waktu yang telah with pre-determined deadlines.
ditentukan.
h. Melakukan pengembangan perbaikan layanan Bank, baik h. Making improvements to the Bank's services, both in
dari sisi sumber daya manusia maupun dari digitalisasi terms of human resources and digitalization of services
layanan kepada stakeholders. to stakeholders.
Kebijakan dan Mekanisme dalam rangka Meningkatkan Policies and Mechanisms to Improve Service Quality for
Kualitas Pelayanan kepada Nasabah dan Stakeholders Customers and Other Stakeholders to Control Reputation
Lainnya untuk Mengendalikan Risiko Reputasi Risk
Untuk mengelola risiko reputasi, Bank telah melakukan To manage reputation risk, the Bank has carried out several
beberapa hal, antara lain: actions, including:
a. Melakukan penyusunan ketentuan penanganan a. Formulating provisions to handle customers’ complaints
pengaduan nasabah yang secara jelas mengatur that clearly regulate policies, procedures, and work units
kebijakan, prosedur, unit kerja yang melakukan that carry out monitoring and reporting regarding the
pemantauan dan pelaporan seputar penanganan handling of customers’ complaints.
pengaduan nasabah.

b. Melakukan pemantauan atas keluhan nasabah dalam b. Monitoring customer complaints in the form of customer
bentuk laporan pengaduan nasabah dan hasilnya complaint reports and the results are reported regularly
dilaporkan secara rutin kepada kepala unit kerja masing- to the heads of each work unit and specifically submitted
masing dan secara khusus disampaikan kepada Direksi to the relevant Directors.
terkait.
c. Menganalisis laporan keluhan nasabah dan digunakan c. Analyzing reports of customers’ complaint and use them
untuk mendukung Bank dalam pengembangan proses to support the Bank in developing a systematic process
penanganan keluhan secara sistematis. in handling complaints.
d. Memantau pemberitaan dan pengelolaan krisis d. Monitoring news coverage, management of
komunikasi serta pemantauan opini/komentar media communication crisis, and media or social media
atau media sosial serta pemilihan strategi serta tindak opinions/comments, as well as the selection of strategies
lanjut yang diperlukan dikoordinasikan dan dilakukan and necessary follow-up actions that are coordinated
oleh Unit Corporate Affairs. Evaluasi secara harian, and carried out by the Corporate Affairs Unit. Daily,
mingguan, bulanan, triwulan dan tahunan atas risiko weekly, monthly, quarterly, and yearly evaluations of
reputasi yang dihadapi Bank, juga dituangkan dalam reputation risk faced by the Bank are also included in the
Laporan Media Monitoring. Media Monitoring Report.
Pengelolaan Risiko Reputasi Saat Krisis Reputation Risk Management During Crisis
Sebagai upaya mengelola risiko reputasi pada saat krisis, To manage reputation risk during the crisis, the Bank has
Bank telah melakukan pengelolaan crisis communication carried out crisis communication management, which is
yaitu tindakan untuk mengoordinasikan komunikasi krisis actions taken to handle crisis communications with the
kepada pihak internal dan eksternal Bank, termasuk media Bank’s internal and external parties, including the mass
massa. Pada semua tahapan krisis telah diatur mengenai alur media. The communication protocols and the person in
protokol komunikasi dan penanggung jawab komunikasi. charge of communication have been regulated at all stages
of the crisis.
Pengelolaan risiko reputasi pada saat krisis dilakukan melalui Reputation risk management during a crisis is carried out by
penetapan standar Crisis Communication Management yang setting up Crisis Communication Management standards,
diimplementasikan ketika terjadi krisis dari skala ringan which are implemented when a crisis occurs, from mild to
hingga skala berat. Crisis Communication Management terdiri severe. Crisis Communication Management consists of the
dari: following:
a. Review masalah atau kronologis; a. Review of issues or chronology;
b. Alur informasi; b. Flow of information;
c. Penentuan person in charge; c. Determination of person in charge;
d. Penetapan kewenangan dan juru bicara; d. Determination of authority and spokesperson;
e. Jadwal aktivitas penanganan krisis; e. Schedule of crisis management activities;
f. Alternatif strategi komunikasi; f. Alternative communication strategy;
g. Evaluasi. g. Evaluation.
Risiko Stratejik Strategic Risk
Risiko Stratejik Strategic Risk Management
Risiko Stratejik adalah risiko akibat ketidaktepatan dalam Strategic risk is the risk that is resulted from inaccuracy in
pengambilan dan/atau pelaksanaan suatu keputusan making and/or implementing a strategic decision, as well as
stratejik serta kegagalan dalam mengantisipasi perubahan failure in anticipating changes in the business environment.
lingkungan bisnis. Risiko ini timbul antara lain karena Bank Partly, this risk arises because the Bank establishes a strategy
menetapkan strategi yang kurang sejalan dengan visi dan that does not align with the Company's vision and mission,
misi perusahaan, melakukan analisis lingkungan stratejik does not carry out a comprehensive strategic environmental
yang tidak komprehensif, dan/atau terdapat ketidaksesuaian analysis, and/or creates a mismatch in strategic plan between
rencana stratejik (strategic plan) antar level stratejik. strategic levels.
Selain itu risiko stratejik juga timbul karena kegagalan dalam In addition, strategic risk can also emerge from 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, changes in
perubahan kondisi ekonomi makro, dinamika kompetisi di macroeconomic conditions, competition dynamics in the
pasar dan perubahan kebijakan otoritas terkait. market, and changes in policies of the relevant authorities.

Dampak terhadap kegiatan usaha Bank dari risiko The impact of strategic risks on the Bank's business activities,
stratejik pada pelaksanaan strategi BMI yang tidak tepat, if the implementation of BMI's strategy needs to be correctly
pengambilan keputusan bisnis yang tidak tepat atau kurang done, includes inappropriate decision-making in business
responsifnya perusahaan terhadap perubahan eksternal. or the Company's lack of response to external changes.
Penetapan strategi investasi yang kurang tepat misalnya Determination of an inappropriate investment strategy, such
dalam melakukan penyertaan modal atau mengakuisisi as equity participation or acquisition of other companies,
perusahaan lain akan mengakibatkan peningkatan biaya will result in higher costs and/or lower income, negatively
dan/atau penurunan pendapatan yang akan berpengaruh affecting the Bank's profitability.
negatif terhadap keuntungan Bank.
Organisasi Manajemen Risiko Stratejik Strategic Risk Management Organization

Untuk meminimalkan risiko stratejik sesuai dengan To minimize strategic risks based on the prudence principles
prinsip kehati-hatian perbankan, Bank memiliki organisasi in the banking sector, the Bank has strategic risk magement
manajemen risiko stratejik yang mencakup: organization as follows:
a. Dewan Komisaris yang bertanggung jawab antara lain a. The Board of Commissioners, who is responsible for
menjalankan fungsi pengawasan risiko stratejik yang carrying out the strategic risk oversight function. This
juga dapat dilakukan melalui ROC, Audit Committee dan function can also be carried out by the ROC, the Audit
GCG Committee. Committee, and the GCG Committee.
b. Direksi bertanggung jawab memastikan bahwa fungsi b. The Board of Directors, who is responsible for ensuring
manajemen risiko stratejik berjalan dengan baik smooth running in the strategic risk management
dan menyusun rencana stratejik dan inisiatif bisnis function and preparing strategic plans and business
yang dituangkan dalam rencana bisnis Bank untuk initiatives as outlined in the Bank's business plan to
mengendalikan araha kegiatan usaha dan meminimalkan control the direction of business activities and minimize
timbulnya risiko stratejik. the emergence of strategic risks.
c. DPS bertanggung jawab antara lain memastikan c. DPS is responsible for, among other things, ensuring
pemenuhan prinsip syariah dalam strategi bisnis Bank. compliance with sharia principles in the Bank's business
strategies.
d. Unit kerja terkait risiko stratejik terutama dilaksanakan d. Work units related to strategic risks are mainly under the
oleh unit Business Finance & Planning yang mendukung Business Finance & Planning unit, which supports the
perumusan rencana bisnis Bank serta memantau formulation of the Bank's business plans and monitors
pelaksanaannya dengan menyusun laporan realisasi the implementation by submitting reports on plan
dibandingkan rencana bisnis, dan melakukan kaji ulang realization compared to business plans, and reviewing
target bisnis Bank baik yang bersifat finansial mau pun the Bank's business targets, both financial and non-
non finansial. Penyusunan rencana bisnis Bank dilakukan financial. The formulation of the Bank's business plan
berkoordinasi dengan seluruh unit kerja di Bank. is carried out in coordination with all work units in the
Bank.
Kebijakan untuk Mengidentifikasi dan Merespons Policy to Identify and Respond to Changes in the
Perubahan Lingkungan Bisnis: Eksternal dan Internal Business Environment: External and Internal
Pengelolaan risiko stratejik bertujuan untuk melindungi Strategic risk management aims to protect the Bank from
Bank akibat ketidaktepatan dalam pengambilan dan/atau risks caused by inaccuracies in making and/or implementing
pelaksanaan suatu keputusan stratejik serta kegagalan a strategic decision and failure to anticipate changes in
dalam mengantisipasi perubahan lingkungan bisnis. Pada the business environment. In 2022, the Bank implemented
tahun 2022, Bank telah melaksanakan sejumlah hal untuk several things to minimize strategic risks in accordance with
meminimalkan risiko stratejik sesuai dengan prinsip kehati- the precautionary principles.
hatian.
a. Organisasi manajemen risiko stratejik yang memastikan a. A strategic risk management organization that ensures
bahwa DPS, Dewan Komisaris dan Direksi beserta komite that the DPS, the Board of Commissioners, the Board
di bawahnya melaksanakan fungsinya dengan baik. of Directors, and the committees carry out their
Termasuk dalam organisasi manajemen risiko adalah functions properly. The risk management organization
dibentuknya unit kerja untuk mengelola risiko stratejik includes the establishment of a work unit to manage
yang mendukung perumusan rencana bisnis Bank serta strategic risks and support the formulation of the Bank's
memantau pelaksanaannya dengan menyusun laporan business plans, as well as monitor the implementation
realisasi dibandingkan rencana bisnis, dan melakukan by submitting reports on plan realization compared to
kaji ulang target bisnis Bank baik yang bersifat finansial business plans, and conducting a review of the Bank's
maupun non finansial. business targets, both financial and non-financial.

b. Melaksanakan inisiatif strategis dalam rencana bisnis b. Carry out strategic initiatives in the business plan, in line
sesuai dengan fokus strategi Bank tahun 2022, seperti with the Bank's strategic focus for 2022, such as focusing
fokus penyaluran pembiayaan di sektor berisiko rendah on disbursing financing in low-risk sectors and providing
dan memberikan keuntungan tinggi di sektor Islami, high returns in the Islamic sector, focusing on low-cost
fokus pertumbuhan dana murah, dan optimalisasi fund growth, and optimizing service-based income;
pendapatan berbasis jasa;
c. Mendukung strategi perusahaan dengan fokus pada c. Support corporate strategy with a focus on the Bank's
proses transformasi organisasi Bank agar lebih efisien; organizational transformation process to make it more
efficient;
d. Menetapkan inisiatif strategis Bank yang disesuaikan d. Determine the Bank's strategic initiatives that are tailored
dengan fokus bisnis Bank untuk mendorong tercapainya to the Bank's business focus to reach cost efficiency,
efisiensi biaya dan pertumbuhan bisnis yang lebih as well as a more profitable and sustainable business
profitable dan sustainable. growth.
Mekanisme Mengukur Kemajuan dari Rencana Bisnis Mechanism for Measuring Progress in the Business Plan
Secara berkelanjutan, Bank melakukan berbagai upaya The Bank has continuously carried out various efforts to
dalam mengukur kemajuan dari rencana bisnis di tahun measure the progress of its business plan in 2022, including
2022, antara lain dengan laporan Turn Around Plan (TAP) by having the Turn Around Plan (TAP) reports, in which the
yang pemantauannya disampaikan kepada Direksi. monitoring results are submitted to the Board of Directors.
Hasil pemantauan sebagaimana di atas dibahas dalam The monitoring results are then discussed in the Board of
rapat Direksi dan atau rapat komite level Direksi, serta rapat Directors meetings and/or meetings of committees under
Direksi dengan pemegang saham dan atau Dewan Komisaris the Board of Directors, as well as joint meetings of the
dengan output berupa arahan dan evaluasi bagi unit kerja Board of Directors with shareholders and/or the Board of
terhadap pencapaian akhir tahun 2022 dan fokus pada Commissioners. The meeting outputs are directions and
pencapaian target tahun 2023. evaluations for work units regarding business achievements
at the end of 2022 and the Bank’s focus on achieving the
2023 target.
Risiko Kepatuhan Compliance Risk
Risiko Kepatuhan Compliance Risk Management
Risiko kepatuhan adalah risiko akibat Bank tidak mematuhi Compliance risk is caused by the Bank's failure to comply
dan/atau tidak melaksanakan peraturan perundang- with and/or implement the laws, regulations, and provisions.
undangan dan ketentuan. Risiko kepatuhan dapat Compliance risk can originate, among other things, from
bersumber antara lain dari perilaku hukum yaitu perilaku legal behavior, which is the Bank's behavior or activities that
atau aktivitas Bank yang menyimpang atau melanggar dari deviate from or violate applicable provisions and/or laws
ketentuan dan/atau peraturan perundang-undangan dan and regulations, and organizational behavior, which is the
perilaku organisasi, yaitu perilaku atau aktivitas Bank yang Bank's behavior or activities that deviate from or conflict
menyimpang atau bertentangan dari standar yang berlaku with generally accepted standards.
secara umum.
BMI juga berada di bawah pengawasan Otoritas Jasa BMI is also under the supervision of the Financial Services
Keuangan (OJK) sehingga harus tunduk pada peraturan Authority (OJK), so it must comply with banking regulations
perbankan dan perundangan relevan lainnya yang and other relevant laws, which are updated from time to time
dari waktu ke waktu terus diperbaharui sesuai dengan in accordance with developments in Indonesia's economy
perkembangan perekonomian dan pasar komersial serta and commercial and financial markets. As a public company,
keuangan Indonesia. Sebagai perusahaan terbuka, BMI juga BMI is also subject to Indonesia's prevailing capital market
tunduk pada peraturan-peraturan pasar modal yang berlaku regulations. In order to anticipate and respond to updates
di Indonesia. Dalam rangka mengantisipasi dan menyikapi and changes to these regulations, the Bank's management is
pembaharuan dan perubahan peraturan-peraturan required to be able to adjust. Failure to do so will impact the
tersebut, pihak manajemen dituntut untuk dapat melakukan Bank's business activities and performance.
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 The Bank has a compliance risk management organization
kehati-hatian perbankan, Bank telah memiliki organisasi to minimize compliance risk based on prudential principles
manajemen risiko kepatuhan. DPS, Dewan Komisaris dan in the banking sector. The DPS, the Board of Commissioners,
Direksi beserta komite di bawahnya melaksanakan fungsinya the Board of Directors, and the committees carry out their
dengan baik. Termasuk dalam organisasi manajemen risiko functions properly. The risk management organization
adalah dibentuknya Satuan Kerja Kepatuhan (SKK) sebagai includes the establishment of a Compliance Work Unit
unit independen yang menjalankan fungsi-fungsi kepatuhan (SKK) as an independent unit that carries out compliance
sebagaimana diatur oleh ketentuan OJK. functions, as stipulated by OJK regulations.
Strategi Manajemen Risiko Kepatuhan Compliance Risk Management Strategy

Bank telah mengimplementasikan strategi manajemen risiko The Bank has implemented compliance risk management
kepatuhan, di antaranya: strategies, including:
a. Membentuk komite terkait pelaksanaan pengawasan a. Establish a committee related to the implementation of
aktif Direksi, Dewan Komisaris, dan DPS; active supervision of the Board of Directors, th Board of
Commissioners, and DPS;
b. Meninjau dan memberikan dukungan dalam bentuk b. Review and provide supports in the form of compliance
tinjauan risiko kepatuhan kepada unit lain dalam risk reviews to other units in issuing/developing
melakukan penerbitan/pengembangan produk, products, programs or operational activities, including
program, atau aktivitas operasional, termasuk ketentuan internal provisions that are being prepared/updated by
internal yang sedang disuusn/diperbaharui oleh unit work units;
kerja;
c. Melakukan sosialisasi/sharing informasi terhadap c. Conduct outreach events or share information on new
regulasi baru yang diterbitkan oleh regulator dan regulations issued by regulators and hold training on
melaksanakan pelatihan terkait kepatuhan kepada compliance to all employees;
karyawan;
d. Menyampaikan laporan-laporan secara periodik kepada d. Submit periodic reports to regulators and other related
regulator dan pihak terkait lain; parties;
e. Melakukan compliance checklist untuk memastikan e. Conduct compliance checklists to ensure operational
kesiapan operasional pembukaan, pemindahan alamat readiness for opening, relocation, changes in office
dan perubahan status kantor dan perizinan produk status, and product licensing prior to submission to OJK.
sebelum disampaikan kepada OJK.
Strategi dan Efektivitas Penerapan Manajemen Risiko Strategy and Effectiveness of Compliance Risk
Kepatuhan Management Implementation
BMI juga melakukan strategi dan efetivitas penerapan BMI also ensures the strategy and effectiveness of
manajemen risiko perusahaan melalui: implementing corporate risk management by:
a. Menguatkan penerapan Program APU dan PPT yang a. Strengthening the effectiveness and efficiency of APU
efektif dan efisien. and PPT Programs implementation.
b. Memberikan opini/saran dari sisi kepatuhan kepada unit b. Providing opinions/advice in terms of compliance to
kerja terkait dengan pengembangan produk, program, work units related to product development, programs,
ketentuan, aktivitas operasional dan permasalahan provisions, operational activities, and inputs on current
kepatuhan yang dihadapi; issues on compliance;
c. Menilai dan mengevaluasi efektivitas, kecukupan, c. Assessing and evaluating the effectiveness, adequacy
dan kesesuaian kebijakan, ketentuan, sistem maupun and suitability of the Bank’s policies, provisions, systems,
prosedur yang dimiliki oleh Bank dengan ketentuan and procedures with the provisions of applicable laws
peraturan perundang-undangan dan ketentuan syariah and regulations, as well as sharia provisions;
yang berlaku; dan
d. Melakukan peningkatan kualitas sumber daya manusia d. Improving the quality of human resources in terms of
dari sisi kepatuhan. compliance.
e. Meningkatkan budaya kepatuhan seluruh unit kerja e. Improving the compliance culture of all work units
melalui sosialisasi regulasi, sharing informasi, materi through dissemination of regulations, information
pelatihan, dan compliance awareness. sharing, training materials, and compliance awareness.
f. Melaksanakan uji petik DPS secara semesteran guna f. Carrying out DPS sampling tests semi-annually to
memantau dan melihat pelaksanaan aktivitas bisnis monitor and observe business activities that have been
yang telah dilakukan telah memenuhi prinsip syariah. carried out based on sharia principles.

g. Memantau indikator-indikator aspek prudential banking g. Monitoring indicators of prudential banking aspect
secara berkala dan menyampaikannya kepada Direksi. periodically and report them to the Board of Directors.
Mekanisme Pemantauan dan Pengendalian Risiko Compliance Risk Control and Monitoring Mechanisms
Kepatuhan
Bank menerapkan proses manajemen risiko kepatuhan The Bank carries out compliance risk management process
dengan mengimplementasikan prinsip dan kebijakan by implementing compliance principles and policies that are
kepatuhan yang didukung dengan pelaksanaan program- supported by compliance programs, including:
program kepatuhan, antara lain:
a. Melakukan sosialisasi/pelatihan atas ketentuan a. Dissemination/training on external provisions.
eksternal.
b. Melakukan uji kepatuhan atas ketentuan internal, b. Conducting compliance tests on internal regulations,
produk dan aktivitas baru agar sesuai dengan ketentuan as well as new products and activities, to comply with
regulator maupun kesesuaiannya dengan kaidah-kaidah regulatory requirements and conformity with sharia
c. Memantau komitmen atas arahan, masukan maupun c. Monitoring commitment to directions, inputs and follow-
tindak lanjut audit kepada regulator. up audits to regulators.
d. Melakukan penilaian sendiri atas kualitas profil risiko d. Conducting self-assessment of the quality of the Bank's
kepatuhan Bank. compliance risk profile.
Risiko Imbal Hasil Rate Of Return Risk
Pengungkapan Eksposur dan Penerapan Manajemen Disclosure of Exposure and the Implementaion of Rate
Risiko Imbal Hasil of Return Risk Management
Risiko imbal hasil (rate of return risk) adalah risiko akibat The rate of return risk is the risk that emerges from changes
perubahan tingkat imbal hasil yang dibayarkan Bank in the rate of return paid by the Bank to customers due to
kepada nasabah akibat dari perubahan tingkat imbal changes in the rate of return received by the Bank from
hasil yang diterima Bank dari penyaluran dana, yang channeling funds, which can affect customers’ behavior
dapat mempengaruhi perilaku nasabah dana pihak ketiga toward the Company’s third-party funds.
perusahaan.
Risiko ini timbul antara lain karena adanya perubahan This risk arises, among others, due to changes in customers’
perilaku nasabah dana pihak ketiga Bank yang disebabkan behavior toward the Bank’s third-party funds, which are
oleh perubahan ekspektasi tingkat imbal hasil yang diterima caused by changes in the expected rate of return received
dari Bank. Perubahan ekspektasi bisa disebabkan oleh faktor from the Bank. Changes in expectations can be caused by
internal seperti menurunnya nilai aset Bank dan/atau faktor internal factors, such as a decrease in the Bank’s asset value,
eksternal seperti naiknya return/imbal hasil yang ditawarkan and/or external factors, such as higher returns offered by
bank lain. Dampak terhadap kegiatan usaha Bank jika terjadi other banks. The changes in customers’ expected rate of
perubahan ekspektasi tingkat imbal hasil tersebut dapat return can trigger a transfer of funds from the Bank to other
memicu perpindahan dana dari Bank kepada bank lain. banks.
Organisasi Manajemen Risiko Imbal Hasil Rate of Return Risk Management Organization
Organisasi manajemen risiko imbal hasil, meliputi DPS, The rate of return risk management organization includes
Dewan Komisaris dan Direksi beserta komite di bawahnya DPS, the Board of Commissioners, the Board of Directors,
melaksanakan fungsinya dengan baik. Termasuk dalam and the committees, which carry out their functions properly.
organisasi manajemen risiko adalah dibentuknya Unit tresuri The risk management organization includes establishing
yang bertanggung jawab melakukan fungsi pengelolaan a treasury unit, which is responsible for managing the
dana Perseroan secara harian dan pengelolaan risiko imbal Company's funds on a daily basis and the risk of returns.
hasil yang fungsinya dilaksanakan oleh unit Asset & Liability These functions are carried out by the Asset & Liability
Management (ALMA). Management (ALMA) unit.
Untuk meminimalkan risiko imbal hasil sesuai dengan prinsip In order to minimize the rate of return risk based on
kehati-hatian perbankan, Bank telah memiliki organisasi prudential principles in the banking sector, the Bank has a
manajemen risiko imbal hasil, meliputi: rate of return risk management organization as follows:

Organisasi
Organization
Dewan Komisaris Menjalankan fungsi pengawasan risiko imbal hasil Carry out oversight function on rate of return risks,
The Board of Commissioners yang juga dapat dilakukan melalui ROC. which can also be done through the ROC.
Direksi 1. Memastikan bahwa fungsi manajemen risiko 1. Ensure that risk management on rate of return is
The Board of Directors imbal hasil berjalan dengan baik; performed well;
2. Menetapkan pricing atas aktivitas pendanaan dan 2. Determine pricing on funding and financing
pembiayaan yang dilakukan melalui ALCO dan activities that are carried out through ALCO and/
atau RMC. or RMC.
Dewan Pengawas Syariah Memastikan bahwa perhitungan imbal hasil pada Ensure that the calculation of rate of return on
The Sharia Supervisory Board sisi pendanaan dan pembiayaan sesuai prinsip funding and financing is in accordance with sharia
Unit Tresuri Melakukan fungsi pengelolaan dana Bank secara Carry out the function of managing the Bank's funds
Treasury Unit harian dan pengelolaan risiko imbal hasil yang on a daily basis and managing the rate of return
fungsinya dilaksanakan oleh unit ALMA. risks, whose functions are carried out by the Asset &
Liability Managemet (ALMA) unit.
SKMR Mendukung fungsi ALCO dalam melakukan Support ALCO’s function in monitoring risks of rate
Risk Management Work Unit pemantauan atas risiko imbal hasil. of return.
Strategi Manajemen Risiko Imbal Hasil Rate of Return Risk Managament Strategy
Bank telah melakukan strategi dalam pengelolaan The Bank has implemented strategies in managing rate of
manajemen risiko imbal hasil yang dilakukan dengan: return risks, including:
a. Mengontrol cost of funds dan Net Profit Margin dengan a. Controlling the cost of funds and Net Profit Margin by
melakukan evaluasi pada Hi-1000 untuk menentukan evaluating the Hi-1000 to determine profit sharing with
bagi hasil nasabah. customers.
b. Melakukan penyesuaian perhitungan Hi-1000 pada core b. Making adjustments to the Hi-1000 calculation in the
banking system, ditujukan agar setiap ada perubahan core banking system, so every time there is a change in
kembali ketentuan GWM dari regulator bisa langsung the GWM provisions from the regulator, it can be directly
disesuaikan pada perhitungan sistem. adjusted to the system calculation.
c. Menjaga margin income untuk menjaga tingkat imbal c. Maintaining margin income to retain the rate of return
hasil yang dibayarkan Bank kepada nasabah melalui paid by the Bank to customers by monitoring yields and
pemantauan atas yield dan cost of funds pada level cost of funds at a certain level, as discussed at ALCO’s
tertentu sebagaimana dibahas pada rapat ALCO secara regular meetings.
berkala.
d. Sejalan dengan perbaikan proses manajemen risiko d. In line with improvements in the liquidity risk
likuiditas, Bank terus berupaya menurunkan konsentrasi management process, the Bank continues its efforts
pada nasabah besar dengan pricing yang mahal untuk to reduce concentration on large customers with high
mengoptimalkan profitabilitas sesuai dengan bankwide pricing to optimize profitability, in line with a bankwide
strategy. strategy.
Mekanisme Pemantauan dan Pengendalian Risiko Rate of Return Risk Monitoring and Control Mechanism
Imbal Hasil
Dalam hal pencapaian imbal hasil, Bank memiliki target yang Regarding the rate of return achievement, the Bank has
telah dirumuskan dan tertuang dalam rencana bisnis Bank. targets formulated and outlined in the Bank's Business
Rencana bisnis Bank terkait dengan imbal hasil ini menjadi Plan. The Bank's Business Plan related to the rate of return
acuan utama bagi Bank dalam mengevaluasi pencapaiannya acts as the main reference for the Bank in evaluating its
secara berkala. Hasil dari evaluasi pencapaian imbal hasil achievements regularly. The evaluation results will usually be
biasanya akan disampaikan dalam ALCO, atau dapat juga submitted to ALCO or followed up through ad hoc meetings
ditindaklanjuti melalui rapat adhoc antar unit kerja ALMA between ALMA work units and business units.
dan unit bisnis.

Risiko Investasi Investment Risk
Pengungkapan Eksposur dan Penerapan Manajemen Disclosure of Exposure and Implementation of

Risiko Investasi Investment Risk Management
Risiko investasi (investment risk) adalah risiko akibat Bank ikut Investment risk is associated with the Bank bearing a
menanggung kerugian usaha nasabah yang dibiayai dalam portion of a customer’s business losses that are financed
pembiayaan bagi hasil berbasis profit and loss sharing. Risiko under profit- and loss-sharing financing. Such risk emerges
ini timbul apabila Bank memberikan pembiayaan berbasis when the Bank provides profit-sharing-based financing to
bagi hasil kepada nasabah dimana Bank ikut menanggung customers, where the Bank also bears the risk of losses from
risiko atas kerugian usaha nasabah yang dibiayai (profit and the customer’s financed business (profit and loss sharing). In
loss sharing). Dalam hal ini, perhitungan bagi hasil tidak hanya this case, the profit-sharing calculation is based not only on
didasarkan atas jumlah pendapatan atau penjualan yang the amount of income or sales earned by the customer but
diperoleh nasabah namun dihitung dari keuntungan usaha also on the operating profit generated by the customer. If
yang dihasilkan nasabah. Dampak terhadap kegiatan usaha the customer’s business goes bankrupt, then the Bank will
Bank apabila usaha nasabah mengalami kebangkrutan, no longer receive the principal amount of financing provided
maka jumlah pokok pembiayaan yang diberikan Bank to the customer.
kepada nasabah tidak akan diperoleh kembali.
Organisasi Manajemen Risiko Investasi Investment Risk Management Organization

Organisasi manajemen risiko investasi memastikan bahwa The investment risk management organization ensures that
DPS, Dewan Komisaris dan Direksi beserta komite di the DPS, the Board of Commissioners, the Board of Directors,
bawahnya melaksanakan fungsinya dengan baik. Termasuk and the committees carry out their functions properly. The
dalam organisasi manajemen risiko adalah dibentuknya risk management organization includes establishing a work
unit kerja terkait risiko investasi yang terdiri dari tiga lini unit related to investment risk, which consists of three
pertahanan manajemen risiko dengan fungsinya masing- lines of defense of risk management with their respective
masing. functions.
Untuk meminimalkan risiko investasi sesuai dengan prinsip To minimize investment risk based on prudential principles
kehati-hatian perbankan, Bank telah memiliki organisasi in the banking sector, the Bank has an investment risk
manajemen risiko investasi yang mencakup: management organization that includes:
Organisasi
Organization
Dewan Komisaris Menjalankan fungsi pengawasan risiko invetasi yang Carry out investment risk oversight function, which
The Board of Commissioners juga dapat dilakukan melalui ROC. can also be done by the ROC.
Direksi 1. Memastikan bahwa fungsi manajemen risiko 1. Ensure that the investment risk management
The Board of Directors invetasi berjalan dengan baik; function are performed well;
2. Memastikan bahwa kualitas pembiayaan yang 2. Ensure that the quality of financing that contains
mengandung risiko investasi terjaga kualitasnya. investment risk is maintained.
Unit kerja terkait dengan risiko 1. Lini pertahanan pertama manajemen risiko 1. The first line of defense in investment risk
invetasi, terdiri dari unit kerja invetasi adalah unit bisnis terkait pembiayaan management is business units related to
yang berdasarkan 3 (tiga) lini (termasuk unit kerja pengelola pembiayaan financing, including non-performing financing
pertahanan manajemen risiko bermasalah), unit kerja risiko pembiayaan dan management work unit, financing risk work unit,
Work units related to investment unit kerja operasional pembiayaan, yang langsung and financing operational work unit, which are
risk, which consist of work units berhadapan dengan risiko dan bertanggung directly exposed to risks and responsible for
based on 3 (three) lines of jawab untuk mengembangkan kesadaran untuk developing awareness to minimize investment
defense in risk management meminimalkan risiko investasi. risks.
2. Lini pertahanan kedua manajemen risiko investasi 2. The second line of defense in investment risk
adalah SKMR, unit kepatuhan dan unit legal, management is the SKMR, the compliance unit,
yang bertanggung jawab antara lain melakukan and the legal unit, which are responsible for,
pengembangan strategi manajemen risiko among other things, developing an investment
invetasi, dan memberikan masukan serta arahan risk management strategy and providing inputs
kepada unit kerja terkait pembiayaan mengenai and direction to work units related to financing
proses pengelolaan risiko investasi, pengukuran regarding the investment risk management
risiko investasi dan pelaporan pembiayaan pada process, investment risk measurement, and
sistem Bank. financing reporting in the Bank system.
3. Lini pertahanan ketiga manajemen risiko investasi 3. The third line of defense in investment risk
adalah unit internal audit yang bertanggung jawab management is the internal audit unit, which
melakukan risk-based audit yang memberikan is responsible for conducting risk-based audits
added value kepada lini pertahanan pertama dan that provide added value to the first and second
kedua, untuk memastikan bahwa seluruh elemen line of defense, and ensure that all elements of
Bank telah melaksanakan fungsi dan tanggung the Bank have carried out their functions and
jawabnya dengan baik termasuk memastikan responsibilities properly, by ensuring compliance
kesesuaian dengan kebijakan manajemen Bank with Bank Muamalat’s management policies and
Muamalat dan regulasi yang berlaku. applicable regulations.

Strategi Manajemen Risiko Investasi Investment Risk Management Strategy

Bank telah melakukan strategi manajemen risiko invenstasi The Bank has several strategies for investment risk
melalui antara lain: management, which include:
a. Melakukan pemantauan dan perbaikan pembiayaan a. Financing monitoring and improvements based on
berdasarkan akad pembiayaan dan memperbaiki financing agreements and continuously improve the
kualitas pembiayaan berbasis bagi hasil secara terus quality of financing based on profit-sharing scheme.
menerus.
b. Melakukan kajian atas kinerja pembiayaan termasuk b. Reviewing the financing performance, including profit-
pembiayaan berbasis bagi hasil dan jual beli, dan sharing and buying and selling-based financing, and
melakukan kajian untuk mengembangkan ketentuan conducting studies to develop provisions on contract-
produk pembiayaan berdasarkan akad dengan mitigasi based product financing with adequate mitigation in
yang memadai sehingga mengurangi risiko bagi Bank. order to lower risks for the Bank.
c. Melakukan reminder kepada seluruh unit kerja terkait c. Having reminders for all work units related to the
pemenuhan aspek syariah pada pembiayaan berbasis fulfillment of sharia aspects in profit-sharing-based
bagi hasil yang harus dijaga pemenuhannya. financing.
Mekanisme Pemantauan dan Pengendalian Risiko Investment Risk Monitoring and Control Mechanism
Investasi
Sebagai upaya meminimalkan potensi kerugian yang timbul As part of efforts to minimize potential losses emerging from
karena perolehan hasil investasi yang tidak sesuai dengan investment returns that are not in line with expectations,
harapan, Bank senantiasa melakukan pemantauan atas the Bank continuously monitors financing performance and
kinerja pembiayaan dan melakukan kajian serta evaluasi conducts studies and evaluations to ensure that the Bank
untuk memastikan bahwa Bank telah melaksanakan has carried out its functions properly, so it can minimize
fungsinya dengan baik sehingga dapat meminimalkan possible losses and maximize profit potential.
kemungkinan kerugian dan memaksimalkan potensi
keuntungan.

PENGUNGKAPAN KUANTITATIF
QUANTITATIVE DISCLOSURES
Tabel 1.1. Pengungkapan Tagihan Bersih berdasarkan Wilayah

Table 1.1. Individual Disclosure of Net Claims by Region
31 Desember 2022 | December 31, 2022

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 27.008.350 - - - - 27.008.350
Claim to The Government
2 Tagihan kepada Entitas Sektor 1.091.331 848 113.399 - - 1.205.578
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 404.761 37.048 4.856 - 153.404 600.069
Claim to The Bank
5 Pembiayaan Beragun Rumah 1.356.663 655.752 324.208 189.743 240.788 2.767.154
Tinggal
Residential Mortgage Loans
6 Pembiayaan Beragun Properti 25.441 6.230 27.442 3.336 51.753 114.202
Komersial
Commercial Property Mortgage
Loans
7 Pembiayaan Pegawai/ 24.806 16.699 9.980 2.736 7.670 61.891
Pensiunan
Retired Employee Credit
8 Tagihan kepada Usaha Mikro, 1.667.109 1.853.845 363.200 168.414 282.090 4.334.658
Usaha Kecil dan Portofolio Ritel
Claim to Micro, Small and
Retail Portfolio
9 Tagihan kepada Korporasi 16.239.673 1.213.229 21.211 76.288 644.290 18.194.691
Claim to Corporate
10 Tagihan yang Telah Jatuh - - - - - -
Tempo
Claim on Past Due
11 Aset Lainnya 6.493.174 369.596 107.109 24.514 82.598 7.076.991
Others Asset
Total 54.311.308 4.153.247 971.405 465.031 1.462.593 61.363.584

(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)

23.687.029 – – – – 23.687.029
473.490 71.049 103.378 – – 647.917
– – – – – –
1.362.232 376.155 20.878 116.430 223.040 2.098.735
823.777 1.318.181 324.312 250.397 889.265 3.605.932
5.243 213.754 16.602 12.749 35.828 284.176
16.862 30.796 26.272 5.415 17.679 97.024
823.368 1.291.798 307.728 354.205 802.162 3.579.261
10.413.556 2.417.980 1.291.934 1.070.491 2.676.458 17.870.419
– – – – – –
2.465.462 2.280.513 242.211 1.873.314 230.092 7.091.592
40.071.020 8.000.226 2.333.315 3.683.001 4.874.524 58.962.086

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.
Portfolio Categories Non-
< 1 Tahun >1-3 Tahun >3-5 Tahun Kontraktual Total
< 1 Year > 1-3 Years > 3-5 Years Non- Total
Contractual
(1) (2) (3) (4) (5) (7) (8)
1 Tagihan kepada Pemerintah 8.046.869 171.805 18.789.676 - 27.008.350
Claim to the Government
2 Tagihan kepada Entitas Sektor 1.195.739 4.851 4.988 - 1.205.578
Publik
Claim to Public Sector Entities
3 Tagihan kepada Bank - - - - -
Lembaga Internasional
Claim to the Multilateral
Development Banks and
4 Tagihan kepada Bank 8.434 18.051 26.130 547.454 600.069
Claim to the Bank
5 Pembiayaan Beragun Rumah 63.756 210.616 2.492.782 - 2.767.154
Tinggal
Residential Mortgage Loans
6 Pembiayaan Beragun Properti 2.314 8.998 102.890 - 114.202
Komersial
Commercial Property Mortgage
Loans
7 Pembiayaan Pegawai/Pensiunan 3.037 14.340 44.514 - 61.891
8 Tagihan kepada Usaha Mikro, 579.873 954.166 2.800.619 - 4.334.658
Usaha Kecil, dan Portofolio Ritel
Claim to Micro, Small, and Retail
Portfolio
9 Tagihan kepada Korporasi 3.562.202 1.758.056 12.824.496 49.937 18.194.691
Claim to Corporate
10 Tagihan yang Telah Jatuh Tempo - - - - -
Claim on Past Due
11 Aset Lainnya - - - 7.076.991 7.076.991
Others Asset
Total 13.462.224 3.140.883 37.086.095 7.674.382 61.363.584


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)

1.689.548 521.384 21.476.097 – 23.687.029
444.025 103.378 100.514 – 647.917
– – – – –
1.520.782 242.050 335.903 – 2.098.735
52.404 309.073 3.244.455 – 3.605.932
174.966 18.744 90.466 – 284.176
757 37.518 58.749 – 97.024
284.203 859.671 2.435.387 – 3.579.261
4.022.838 2.108.245 11.739.336 – 17.870.419
– – – – –
– – – 7.091.592 7.091.592
8.189.523 4.200.063 39.480.907 7.091.592 58.962.086

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 Tagihan kepada
Entitas Sektor
Sektor Ekonomi Pemerintah Internasional Bank
No. Publik
Economic Sector Claim to the Claim to the Claim to the
Claim to Public
Government Multilateral Bank
Sector Entities
Development
Banks and
International
Institutions
(1) (2) (3) (4) (5) (6)
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 - 102.992 - -
6 Konstruksi | Construction - - - -
7 Perdagangan Besar dan Eceran | Wholesale and Retail - - - 2.152
Trade
8 Penyediaan Akomodasi dan Penyediaan Makan - 335 - 130
minum | Accommodation Providers and Food and
Beverage Providers
9 Transportasi, Pergudangan, dan Komunikasi | - - - -
Transportation, Storage, and Communication
10 Perantara Keuangan | Financial Brokers - 150.000 - 34.333
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 - 5.869 - 16.000
14 Jasa Kesehatan dan Kegiatan Sosial | Health Services - 5.051 - -
and Social Activities
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan - - - -
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 - - - -
Activities
19 Bukan Lapangan Usaha | Not a Business Field - - - -
20 Lainnya | Others 27.008.350 941.331 - 547.454
Total 27.008.350 1.205.578 - 600.069

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 Claim to Micro, Claim on past
Corporate
Mortgage Loans Property Employee Credit Small and Retail due
Mortgage Loans Portfolio
(7) (8) (9) (10) (11) (12) (13)
- 405 - 289.205 185.482 - -
- - - 968 - - -
383 - - 13.544 612.117 - -
60 2.941 - 244.848 2.301.514 - -

- - - 50 1.314.116 - -
- - - 69.353 787.888 - -
1.170 1.746 103 244.972 1.908.101 - -
838 - - 38.603 14.418 - -
20.656 2.266 - 123.190 1.061.450 - -
- - 5.401 490.961 1.241.313 - -

- - - 85.360 1.235.940 - -
- - - 1.049 - - -
1.860 76.088 - 1.395.619 126.034 - -

- 3.150 95 282.117 54.257 - -
372 - - 254.194 25.900 - -
- - - 4.615 - - -
- - - - - - -
- - - - - - -
2.724.606 27.213 55.918 535.731 - - -

17.209 393 374 260.279 7.326.161 - 7.076.991
2.767.154 114.202 61.891 4.334.658 18.194.691 - 7.076.991

Tagihan
kepada Bank
Pembangunan
Multilateral
Tagihan kepada
Tagihan kepada dan Lembaga Tagihan kepada
Entitas Sektor
Sektor Ekonomi Pemerintah Internasional Bank
No. Publik
Economic Sector Claim to the Claim to the Claim to the
Claim to Public
Government Multilateral Bank
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
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 Claim to Micro, Claim on past
Corporate
Mortgage Loans Property Employee 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

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 41.235.550 3.801.241 903.408 448.968 1.384.454 47.773.621
2 Tagihan yang Mengalami Penurunan Nilai -
(Impaired) | Impaired Claims
a. Belum Jatuh Tempo | Not Past Due Yet 4.731.644 3.486.325 680.399 911.858 868.683 10.678.909
b. Telah Jatuh Tempo | Past Due 2.859.518 2.498.620 796.402 531.998 1.456.855 8.143.393
3 Cadangan Kerugian Penurunan Nilai (CKPN) 167.799 - - - - 167.799
– Individual | Provision for Possible Losses
– Individual
4 Cadangan Kerugian Penurunan Nilai (CKPN) 454.163 59.556 49.069 13.499 16.305 592.592
– Kolektif | Provision for Possible Losses –
Collective
5 Tagihan yang Dihapus Buku | Written-Off 1.173.401 142.049 165.616 25.639 59.200 1.565.905
Claims


Wilayah
Region
Jabodetabek Jawa Sumatera Lainnya
Kalimantan Total
Greater Jakarta Java Sumatra Others
(9) (10) (11) (12) (13) (14)
48.619.158 4.082.530 1.389.270 603.538 1.463.938 56.158.434
–
3.555.145 4.715.162 1.828.570 1.719.409 3.920.257 15.738.543

1.131.090 1.221.545 266.906 95.317 1.093.592 3.808.450
38.285 – – – – 38.285
493.988 75.720 28.092 15.182 24.427 637.409
1.157.012 142.667 169.639 25.696 59.933 1.554.947

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
Sektor Ekonomi Tagihan yang
No Nilai (CKPN) - Nilai (CKPN) -
Economic Sector Tagihan Hapus Buku
Belum Jatuh Individual Kolektif
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 | 502.358 312.489 189.870 - 33.239 -

Agriculture, Hunting, and Forestry
2 Perikanan | Fisheries 968 968 - - 12 -
3 Pertambangan dan Penggalian | Mining and 626.541 5.310 621.231 - 8.087 -
Quarrying
4 Industri Pengolahan | Manufacturing Industry 2.624.858 1.092.709 1.532.149 - 94.308 -
5 Listrik, Gas, dan Air | Electricity, Gas, and 1.420.851 328.099 1.092.752 - 15.327 -
Water
6 Konstruksi | Construction 857.585 355.836 501.749 384 10.538 -
7 Perdagangan Besar dan Eceran | Wholesale 2.174.990 610.108 1.564.881 - 37.737 -
and Retail Trade
8 Penyediaan Akomodasi dan Penyediaan 54.330 10.212 44.118 - 669 -
Makan Minum | Accommodation Providers
and Food & Beverage Providers
9 Transportasi, Pergudangan, dan Komunikasi | 1.427.591 760.812 666.779 167.415 66.509 -
10 Perantara Keuangan | Financial Brokers 1.922.767 1.879.716 43.051 - 24.155 -
11 Real Estate, Usaha Persewaan, dan Jasa 1.353.904 557.196 796.709 - 47.956 -
Perusahaan | Real Estate, Rental Business, and
Corporate Services
12 Administrasi Pemerintahan, Pertahanan, dan 1.073 1.035 39 - 37 -
Jaminan Sosial Wajib | Public Administration,
Defense, and Compulsory Social Security
13 Jasa Pendidikan | Education Services 1.623.787 1.393.116 230.671 - 21.877 -
14 Jasa Kesehatan dan Kegiatan Sosial | Health 344.807 314.324 30.483 - 4.356 -
Services and Social Activities
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan 283.394 188.101 95.293 - 5.774 -
dan Perorangan Lainnya | Social Services,
Socio-Cultural, Entertainment and Other
Individual
16 Jasa Perorangan yang Melayani Rumah Tangga 4.615 2.377 2.238 - 57 -
| 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 3.391.893 2.758.467 633.426 - 86.053 -
20 Lainnya | Others 29.157.309 108.034 97.954 - 135.901 1.565.905
Total 47.773.621 10.678.909 8.143.393 167.799 592.592 1.565.905

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)
1.516.643 1.447.741 68.901 – 30.598 –
912 912 – – 16 –
714.250 618.932 95.317 – 16.063 –
2.904.412 2.134.168 770.244 – 75.789 –

1.573.282 1.096.311 476.972 – 44.175 –
974.311 556.422 417.889 21.304 41.274 –

2.459.457 1.830.495 628.962 – 70.645 –
63.603 46.342 17.260 – 1.727 –
621.074 291.048 330.026 16.981 38.317 –
1.097.885 1.096.331 1.554 – 19.183 –

1.302.873 832.564 470.310 – 54.698 –
577 381 197 – 17 –
915.650 769.384 146.264 – 22.624 –

348.610 342.358 6.251 – 6.509 –
274.467 264.266 10.201 – 5.299 –
4.360 4.360 – – 79 –
– – – – – –
237.102 218.077 19.026 – 4.550 –
4.162.777 3.816.373 346.404 – 94.325 –

36.986.189 372.078 2.672 – 111.521 1.554.947
56.158.434 15.738.543 3.808.450 38.285 637.409 1.554.947

Tabel 1.6. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai

Table 1.6. Disclosure of Provision of Possible Losses Mutation Details
31 Desember 2022 31 Desember 2021

December 31, 2022 December 31, 2021
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 213.954 382.307 213.954 382.307
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 | 78.856 149.370 – 266.760
Provisions of Possible Losses in Current Year
b. Pemulihan CKPN pada Periode Berjalan | - (30.687) (175.669) –
Reversal of Provisions of Possible Losses in
Current Year
3 CKPN yang Digunakan untuk Melakukan Hapus - - – (10.084)
Buku atas Tagihan pada Periode Berjalan |
Provisions of Possible Losses that used for Write-off
in Current Year
4 Pembentukan (Pemulihan) Lainnya pada Periode (125.011) 91.602 – (1.574)
Berjalan | Other Provisions (Other Reversal of
Provisions) in Current Year
Saldo Akhir CKPN 167.799 592.592 38.285 637.409
Provision of Possible Losses Ending Balance

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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 2022
Net Claims
Lembaga Pemeringkat Peringkat Jangka Panjang
Rating Agencies Long-term Rating
Standard and Poor’s AAA AA+ - AA- A+ - A- BBB+ - BBB-
Fitch Rating AAA AA+ - AA- A+ - A- BBB+ - BBB-
Kategori Portofolio
No. Moody’s Aaa Aa1 - Aa3 A1 - A3 Baa1 - Baa3
PT Fitch Ratings AA+(idn) - AA- A+(idn) - BBB+(idn) -

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

PT ICRA Indonesia [Idr]AAA
AA- A- [Idr]BBB-
PT Pemeringkat Efek id BBB+ - id

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

Government
2 Tagihan kepada Entitas Sektor Publik | Claim to 150.000 882.251 - -
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 77.940 12.666 2.388 101
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 10.000 418.417 480.417 -
10 Tagihan yang Telah Jatuh Tempo | Claim on Past
Due
11 Aset Lainnya | Others Asset
TOTAL 237.940 1.313.334 482.805 101

December 31, 2022

Net Claims
Peringkat Jangka Pendek
Short-term Rating
Kurang dari Kurang dari
BB+ - BB- B+ - B- B- A-1 A-2 A-3 A-3
Less than B- Less than A3
BB+ - BB- B+ - B- B- F1+ - F1 F2 F3 F3
Less than B- Less than F3
Ba1 - Ba3 B1 - 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) - BB- B+(idn) - B-(idn) F1+(idn) - F3(idn)
F2(idn) F3(idn)
(idn) B-(idn) Less than F1(idn) Less than
B-(idn) F3(idn)
[Idr]BB+ - [Idr] [Idr]B+ - [Idr] [Idr]B- [Idr]A1+ - [Idr] [Idr]A2+ - [Idr] [Idr]A3+ - [Idr] [Idr]A3
BB- B- Less than A1 A2 A3 Less than
[Idr]B- [Idr]A3
Kurang dari
id BB+ - id BB- id B+ - id B- idB-
Less than idB-
(8) (9) (10) (11) (12) (13) (14) (15) (16)
– – – – – – – 27.008.350 -
– – – – – – – 173.327 1.032.251
– – – – – – – - -
– – – – – – – 506.974 93.095
– – – – – – – 17.285.857 908.834
– – – – – – – 44.974.508 2.034.180

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

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

PT ICRA Indonesia [Idr]AAA
AA- A- -[Idr]BBB-
PT Pemeringkat Efek id BBB+ - id

idAAA idAA+ - idAA- idA+ - id A-
Indonesia 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
BB+ - BB- B+ - B- B- A-1 A-2 A-3 A-3
Less than B- Less than A3
BB+ - BB- B+ - B- B- F1+ - F1 F2 F3 F3
Less than B- Less than F3
Ba1 - Ba3 B1 - 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) - BB- B+(idn) - B-(idn) F1+(idn) - F3(idn)
F2(idn) F3(idn)
(idn) B-(idn) Less than F1(idn) Less than
B-(idn) F3(idn)
[Idr]BB+ - [Idr] [Idr]B+ - [Idr] [Idr]B- [Idr]A1+ - [Idr] [Idr]A2+ - [Idr] [Idr]A3+ - [Idr] [Idr]A3
BB- B- Less than A1 A2 A3 Less than
[Idr]B- [Idr]A3
Kurang dari
id BB+ - id BB- id B+ - id B- idB-
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

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 352.594 - - 6.566 - 4.382 - 4.382
Currency Swap
3 Lainnya - - - - - - -
Total 352.594 - - 6.566 - 4.382 - 4.382
Tabel 1.8.b. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo

Table 1.8.b. Disclosure of Counterparty Credit Risk
31 Desember 2022 | 31 December 2022
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
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 – – – –


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
– – – – – – – –
787.127 69.260 – 5.765 – 17.099 – 17.099
– – – – – – –
787.127 69.260 – 5.765 – 17.099 – 17.099
Nilai Wajar SSB Repo Kewajiban Repo Tagihan Bersih

ATMR
Fair Value of SSB Repo Obligatory Repo Net Charges
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
– – – –
Nilai Wajar SSB Repo Kewajiban Repo Tagihan Bersih

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

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 2022
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 27.008.350 - - -
2 Tagihan kepada Entitas Sektor Publik | Claim to Public Sector Entities - 1.034.978 - -
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 10.749 526.215 - -
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage Loans 13.583 1.497.449 1.256.122 -
6 Pembiayaan Beragun Properti Komersial | Commercial Property Mortgage 9.724 - - -
Loans
7 Pembiayaan Pegawai/Pensiunan | Retired Employee Credit 55.762 - - -
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel | Claim to 752.764 - - -
Micro, Small, and Retail Portfolio
9 Tagihan kepada Korporasi | Claim to Corporate 8.403.725 428.417 - -
10 Tagihan yang Telah Jatuh Tempo | Claim on Past Due - - - -
11 Aset Lainnya | Others Asset - - - -
Total Eksposur Neraca | Total Exposure on 36.254.657 3.487.059 1.256.122 -
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 Publik | Claim to Public Sector Entities – – – –
3 Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional – – – –
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 – – – –
10 Tagihan yang Telah Jatuh Tempo | Claim on Past Due – – – –
Total Eksposur TRA | Total Exposure on Off – – – –
Balance Transactions
C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) |
Exposure on Counterparty Credit Risk
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 - - - -
4 Tagihan kepada Bank | Claim to the Bank - 2.670 - -
5 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel | Claim to - - - -
6 Tagihan kepada Korporasi | Claim to Corporate - - - -
Total Eksposur Counterparty Credit Risk | Total Exposure on - 2.670 - -
Counterparty Credit Risk


December 31, 2022
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)
– - - - - - -
– 170.600 - - - 292.296 29.230
– - - - - - -
– 58.723 - - 134.605 13.460

– - - - - 739.133 73.913
– - - 104.478 - 104.478 10.448
– 6.129 - - - 3.065 306

– - 3.581.694 - - 2.686.271 268.627
– 480.416 - 8.792.203 - 9.118.094 911.809

– - - - - -
– - - 6.807.677 - 6.807.677 680.768
– 715.868 3.581.694 15.704.358 - – 19.885.617 1.988.562
– - - - - - -
– - - - - - -
– - - - - - -
– - - - - - -
– - - - - - -
– - - - - - -
– - - - - - -
– - 200 - - 150 15
– - - 89.930 - 89.930 8.993

– - - - - - -
– - 200 89.930 - – 90.080 9.008
– - - - - - -
– - - - - - -
– - - - - - -
– 1.712 - - - 1.390 139

– - - - - - -
– - - - - - -
– 1.712 - - - – 1.390 139

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 – –
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 – –
9 Tagihan kepada Korporasi | Claim to Corporate 8.536.063 894 – –
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
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
Government
4 Tagihan kepada Bank | Claim to the Bank – 748 – –
Total Eksposur Counterparty Credit Risk | Total Exposure on – 748 – –


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

Tabel 1.10. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit
Table 1.10. Disclosure of Net Claims and Credit Risk Mitigation Techniques

Bagian yang Dijamin dengan Bagian yang
Kategori Portofolio
No Tagihan Bersih Portion Secured by Tidak Dijamin
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 27.008.350 - - - 27.008.350
to the Government
2 Tagihan kepada Entitas Sektor 1.205.578 - - - 1.205.578
Publik | Claim to Public Sector
Entities
Lembaga Internasional | Claim to
the Multilateral Development Banks
and International Institutions
4 Tagihan kepada Bank | Claim to 595.687 10.749 - - 584.938
the Bank
5 Pembiayaan Beragun Rumah 2.767.154 13.583 - - 2.753.571
Tinggal | Residential Mortgage
Loans
6 Pembiayaan Beragun Properti 114.202 9.724 - - 104.478
Komersial | Commercial Property
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | 61.891 55.762 - - 6.129
8 Tagihan kepada Usaha Mikro, 4.334.458 752.764 - - 3.581.694
Usaha Kecil, dan Portofolio Ritel |
Portfolio
9 Tagihan kepada Korporasi | Claim 18.104.761 8.403.725 - - 9.701.036
to Corporate
10 Tagihan yang Telah Jatuh Tempo | - - - - -
Claim on Past Due
11 Aset Lainnya | Others Asset 6.807.677 - - - 6.807.677
Total Eksposur Neraca | Total 60.999.758 9.246.307 - - – 51.753.451
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 - - - - -
Entities


Kategori Portofolio
(8)=(3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
4 Tagihan kepada Bank | Claim to - - - - -
the Bank
5 Pembiayaan Beragun Rumah - - - - -
Loans
6 Pembiayaan Beragun Properti - - - - -
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | - - - - -
8 Tagihan kepada Usaha Mikro, 200 - - - 200
Portfolio
9 Tagihan kepada Korporasi | Claim 89.930 - - - 89.930
to Corporate
10 Tagihan yang Telah Jatuh Tempo | - - - - -
Claim on Past Due
Total Eksposur TRA | Total 90.130 - - - – 90.130
Exposure on Off
C Eksposur Neraca | Exposure on
Balance Sheet
1 Tagihan kepada Pemerintah | - - - - -
Claim to the
Government
2 Tagihan kepada Entitas Sektor - - - - -
Entities
4 Tagihan kepada Bank | Claim to 4.382 - - - 4.382
the Bank
5 Tagihan kepada Usaha Mikro, - - - - -
Portfolio
6 Tagihan kepada Korporasi | Claim - - - - -
to Corporate
Total Eksposur Counterparty 4.382 - - - – 4.382
Credit Risk | Total Exposure on
TOTAL 61.094.270 9.246.307 - - - 51.847.963


Kategori Portofolio
(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
Entities
3 Tagihan kepada Bank – – – – –
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
Loans
6 Pembiayaan Beragun Properti 284.176 18.361 – – 265.815
Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | 97.024 97.024 – – –
8 Tagihan kepada Usaha Mikro, 3.578.751 873.062 – – 2.705.689
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


Kategori Portofolio
(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
10 Tagihan yang Telah Jatuh Tempo | – – – – –
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
4 Tagihan kepada Bank | Claim to 17.099 – – – 17.099
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

Tabel 1.11. Pengungkapan Transaksi Sekuritisasi Aset

Table 1.11 Disclosure of Securitization Transactions

Nilai Aset yang Disekuritisasi yang
Mengalami Penurunan Nilai Laba/Rugi
Nilai Aset yang dari Aktivitas Pengurang
Eksposur Sekuritisasi The Value of Assets that are Securitized
No Disekuritisasi Securitisasi ATMR Modal
Securitization Exposures which has Decreased Value
The Value of the Profit/Loss from Capital Reduction
Securitized Asset Telah Jatuh Belum Jatih 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
3 Bank Bertindak sebagai Penyedia – – – – – –
Fasilitas Likuiditas | The Bank Acts
as a Facility Provider Liquidity
4 Bank Bertindak sebagai Penyedia 7.237 – – – – –
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 7.237 – – – – –
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 Pengurang Modal
Disekuritisasi Securitisasi ATMR
Decreased Value Capital Reduction
The Value of the Profit/Loss from
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)
– –
– –
– –
– –
- –
– –
– –
– –
– –
– –
– –
– –

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 27.008.350 - -

2 Tagihan kepada Entitas Sektor Publik | Claims on Public 1.205.578 292.296 292.296
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 595.687 137.132 134.605
5 Pembiayaan Beragun Rumah Tinggal | Residential Mortgage 2.767.154 798.441 794.552
Loans
6 Pembiayaan Beragun Properti Komersial | Commercial 114.202 114.202 104.478
Property Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan | Employee/Pension Funding 61.891 30.946 3.065
8 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel 4.334.458 3.250.844 2.686.271
| Claims on Micro, Small Business, and Retail Portfolios
9 Tagihan kepada Korporasi | Corporate Bill 18.104.761 17.521.819 9.118.094
10 Tagihan yang Telah Jatuh Tempo | Claim on the Past Due - - -
11 Aset Lainnya | Other Assets 6.807.677 - 6.105.498
Total 60.999.758 22.145.679 19.238.858
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 - - -
Sector Entities
4 Tagihan kepada Bank | Claims on Banks - - -
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 200 150 150
9 Tagihan kepada Korporasi | Corporate Bill 89.930 89.930 89.930
10 Tagihan yang Telah Jatuh Tempo | Claim on the Past Due - - -
Total 90.130 90.080 90.080


Tagihan Bersih ATMR sebelum MRK ATMR setelah MRK
(6) (7) (8)
23.687.029 – –
647.473 269.881 269.881
– – –
2.079.498 424.055 418.041

3.605.932 1.255.583 1.247.869
284.176 284.176 265.815
97.024 48.512 –
3.578.751 2.684.063 2.038.786
17.810.060 17.660.950 9.124.171

– – –
7.091.592 – 6.346.402
58.881.535 22.627.219 19.710.965

(6) (7) (8)
– – –
444 222 222
– – –
2.138 1.069 1.069

– – –
– – –
– – –
510 383 383
60.359 60.359 60.359

– – –
63.451 62.033 62.033

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 4.382 1.390 1.390
5 Tagihan kepada Usaha Mikro, Usaha Kecil, dan Portofolio Ritel - - -
6 Tagihan kepada Korporasi | Corporate Bill - - -
Total 4.382 1.390 1.390
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)
2021 & 2022: Bank tidak memiliki eksposur yang menimbulkan Risiko Kredit akibat kegagalan setelmen.
2021 & 2022: 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
2021 & 2022: Bank tidak memiliki eksposur sekuritisasi.
2021 & 2022: 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 2022 December 2021
Total ATMR Risiko Kredit 19.330.328 19.781.323 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 2022 31 Desember | December 2021
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 166 2.075 387 4.839
a. Risiko Spesifik | Specific Risk - - – –
b. Risiko Umum | General Risk 166 2.075 387 4.839
2 Risiko Nilai Tukar | Foreign Exchange Risk 2.554 31.923 633 7.909
3 Risiko Ekuitas | Equity Risk
4 Risiko Komoditas | Commodity Risk
Total 2.720 33.998 1.020 12.748
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko
For banks that have subsidiary companies that have risk exposure


(6) (7) (8)
– – –
– – –
– – –
17.099 8.325 8.325

– – –
– – –
17.099 8.325 8.325

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 683.940 683.940 - - - -
1. Kas | Cash 7.161.935 7.161.935 - - - -
2. Penempatan pada Bank Indonesia | 64.490 64.490 - - - -
Placement on Bank of Indonesia
3. Penempatan pada Bank Lain | Placements 27.363.960 750.000 3.876 11.532 3.309 26.595.243
on Other Banks
4. Surat Berharga | Securities
5. Kredit yang Diberikan | Loan 6.200.326 293.889 365.262 419.681 797.455 4.324.039
a. Piutang murabahah (gross) | Murabahah - - - - - -
receivables (gross)
b. Piutang salam | Salam 1.332 - - - - 1.332
c. Piutang istishna’ | Istishna’ 724.945 93.433 6.454 259.785 9.475 355.798
d. Piutang qardh | Qardh Receivables
6. Pembiayaan Bagi Hasil | Financing Profit 564.059 22.402 60.733 15.554 79.833 385.537
Sharing
a. Pembiayaan mudharabah | Mudharabah 9.842.858 448.429 611.646 467.560 1.079.731 7.235.492
Financing
b. Pembiayaan musyarakah | Musyarakah 1.935 1.022 4 241 61 607
Financing
7. Pembiayaan sewa | Lease Financing 16.625 9.931 2.031 2.939 1.036 688
8. Aset Lainnya | Other Asset 32.137 6.229 17.544 4.323 3.935 106
B Kewajiban | Liabilities 52.993.615 39.568.860 3.128.866 1.998.583 1.772.212 6.525.094

1. Dana Pihak Ketiga | Third Party Funds
a. Giro Wadiah | Wadiah Demand Deposits 2.690.269 2.690.269 - - - -
b. Deposito Mudharabah | Mudharabah 23.882.142 17.488.741 3.126.511 1.996.886 1.270.004 -
Time Deposits
c. Tabungan Wadiah | Wadiah Savings 5.788.412 5.788.412 - - - -
d. Tabungan Mudharabah | Mudharabah 10.064.971 10.064.971 - - - -
Savings
e. Lainnya | Other 1.696.988 1.696.988 - - - -
2. Kewajiban pada Bank Indonesia | Liabilities - - - - - -
on Bank of Indonesia
3. Kewajiban pada Bank Lain | Liabilities on 1.831.915 1.831.915 - - - -
Other Banks
4. Surat Berharga yang Diterbitkan | Securities 6.525.094 - - - - 6.525.094
Issued
5. Pembiayaan yang Diterima | Borrowing 500.000 - - - 500.000 -
6. Kewajiban Lainnya | Other Liabilities 13.824 7.564 2.355 1.697 2.208 -
C Laporan Kewajiban Komitmen dan Kontinjensi

| Commitment and Contingent Liability Report
1. Kewajiban komitmen | Commitment Report 7.768 4.634 420 2.714 - -
2. Kewajiban kontinjensi | Contingent Report 74.625 51.836 2.356 4.400 3.183 12.850
D Selisih | Difference (A-B) (367.210) (30.039.389) (2.078.860) (821.291) 198.688 32.373.642


Jatuh Tempo
Saldo Due Date
(9) (10) (11) (12) (13) (14)
49.224.577 8.757.403 1.590.298 1.121.737 1.058.310 36.696.829

715.767 715.767 – – – –
5.036.444 5.036.444 – – – –
62.075 62.075 – – – –
26.944.541 1.667.878 18.670 – – 25.257.993
6.911.356 429.031 820.601 500.442 330.574 4.830.708
– – – – – –
1.702 – – – – 1.702
560.934 273.293 131.593 571 4.975 150.502
526.140 3.732 19.758 5.243 28.274 469.133
8.432.117 561.897 582.131 611.158 690.536 5.986.395
1.364 1.057 1 – 16 290

32.137 6.229 17.544 4.323 3.935 106
49.776.637 38.268.109 3.262.866 2.260.196 1.560.372 4.425.094
3.543.282 3.543.282 – – – –
22.239.947 15.373.917 3.248.288 2.159.330 1.458.412 –
5.293.144 5.293.144 – – – –
10.452.567 10.452.567 – – – –
2.038.991 2.038.991 – – – –
– – – – – –
1.560.083 1.560.083 – – – –
4.525.094 – – – 100.000 4.425.094
100.000 – – 100.000 – –
23.529 6.125 14.578 866 1.960 –
14.864 14.849 15 – – –
70.984 6.144 14.189 2.210 26.319 22.122
(552.060) (29.510.706) (1.672.568) (1.138.459) (502.062) 32.271.735

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 18.239 18.239 - - - -
1. Kas | Cash 31.372 31.372 - - - -
2. Penempatan pada Bank Indonesia | 499.620 499.620 - - - -
Placement on Bank of Indonesia
3. Penempatan pada Bank Lain | Placements 496.252 - - - - 496.252
on Other Banks
4. Surat Berharga | Securities
5. Kredit yang Diberikan | Loan 494.828 88.361 100.332 - - 306.135
a. Piutang murabahah (gross) | Murabahah - - - - - -
receivables (gross)
b. Piutang salam | Salam - - - - - -
c. Piutang istishna’ | Istishna’ 140.033 - 96.192 43.841 - -
d. Piutang qardh | Qardh Receivables
6. Pembiayaan Bagi Hasil | Financing Profit - - - - - -
Sharing
a. Pembiayaan mudharabah | Mudharabah 851.989 4.823 7.927 108.676 115.295 615.268
Financing
b. Pembiayaan musyarakah | Musyarakah - - - - - -
Financing
7. Pembiayaan sewa | Lease Financing 102.659 102.202 457 - - -
8. Aset Lainnya | Other Asset 95.310 95.310 – – – –
B Kewajiban | Liabilities 2.404.153 2.296.823 33.864 22.969 50.497 -

1. Dana Pihak Ketiga | Third Party Funds
a. Giro wadiah | wadiah demand deposits 479.949 479.949 - - - -
b. Deposito mudharabah | mudharabah 1.260.944 1.154.071 33.407 22.969 50.497 -
time deposits
c. Tabungan wadiah | Wadiah savings 268.500 268.500 - - - -
d. Tabungan mudharabah | Mudharabah 73 73 - - - -
savings
e. Lainnya | Other 10.868 10.868 - - - -
2. Kewajiban pada Bank Indonesia | Liabilities - - - - - -
on Bank of Indonesia
3. Kewajiban pada Bank Lain | Liabilities on 383.362 383.362 - - - -
Other Banks
4. Surat Berharga yang Diterbitkan | Securities - - - - - -
Issued
5. Pembiayaan yang Diterima | Borrowing - - - - - -
6. Kewajiban Lainnya | Other Liabilities 457 - 457 - - -
C Laporan Kewajiban Komitmen dan Kontijensi |

Commitment and Contingent Liability Report
1. Kewajiban komitmen | Commitment Report 112.228 112.228 - - - -
2. Kewajiban kontinjensi | Contingent Report 10.795 6.616 1.844 - 2.335 -
D Selisih | Difference (A-B) 230.839 (1.552.206) 171.044 129.548 64.798 1.417.655


Jatuh Tempo
Saldo Due Date
(9) (10) (11) (12) (13) (14)
3.537.459 2.045.830 218.211 251.684 34.612 987.122

29.424 29.424 – – – –
1.465.399 1.394.136 71.263 – – –
339.523 339.523 – – – –
– – – – – –
789.291 185.380 138.776 102.903 30.858 331.374
– – – – – –
– – – – – –
128.235 – – 128.235 – –
– – – – – –
690.277 2.057 8.172 20.546 3.754 655.748
– – – – – –
95.310 95.310 – – – –
3.462.089 2.593.223 390.226 54.275 424.365 –
552.524 552.524 – – – –
2.449.779 1.580.913 390.226 54.275 424.365 –
287.478 287.478 – – – –
30 30 – – – –
13.633 13.633 – – – –
– – – – – –
156.904 156.904 – – – –
– – – – – –
– – – – – –
1.741 1.741 – – – –
2.704 2.288 416 – – –

8.639 444 – – 8.195 –
75.370 (547.393) (172.015) 197.409 (389.753) 987.122

Tabel 4. Pengungkapan Kuantitatif Risiko Operasional

Table 4. Quantitative Disclosures of Operational Risk
31 Desember | December 2022 31 Desember | December 2021

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 1.044.510 156.677 1.958.456 1.112.973 166.946 2.086.824

Basic Indicator Approach
Total 1.044.510 156.677 1.958.456 1.112.973 166.946 2.086.824

Tabel 5. Laporan Perhitungan Kewajiban Penyediaan Modal Minimum

Table 5. Minimum Capital Adequacy Requirement Calculation Report
Total
No Komponen Components
2022 2021
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) (840.407)
3 Akumulasi penghasilan komprehensif lain Accumulated other comprehensive income 2.144.396 2.144.396
(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 4.986.349
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- – –
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 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% – –
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

Total
2022 2021
24 mortgage servicing rights of which: mortgage servicing rights N/A N/A
25 pajak tangguhan dari perbedaan temporer of which: deferred tax assets arising from N/A N/A
temporary differences
26 Penyesuaian berdasarkan ketentuan spesifik Adjustments based on national specific
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 918 918
assets
26c Aset Pajak Tangguhan Deferred tax assets 140.465 140.465
26d Penyertaan Investment 6.095 6.095
26e Kekurangan modal pada perusahaan anak Lack of capital in insurance subsidiary – –
asuransi companies
26f Eksposur sekuritisasi Securitization Exposure – –
26g Lainnya Others N/A 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 147.478 147.478
terhadap CET1
29 Jumlah CET1 setelah faktor pengurang CET1 capital 4.838.871 4.838.871
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
2022 2021
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 4.838.871
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 247.070 247.070
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 347.070 347.070
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) 347.070 347.070
59 Total Modal (Modal Inti + Modal Total capital (TC = T1 + T2) 5.185.941 5.185.941
Pelengkap)
60 Total ATMR Total risk weighted assets 21.826.787 21.826.787
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% 22,17%
persentase terhadap ATMR assets)
62 Rasio Modal Inti (Tier 1) – persentase Tier 1 (as a percentage of risk weighted 22,17% 22,17%
terhadap ATMR assets)
63 Rasio Total Modal – persentase terhadap Total capital (as a percentage of risk 23,76% 23,76%
ATMR weighted assets)

Total
2022 2021
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% 13,76%
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

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Tata Kelola
Perusahaan
Corporate Governance
336 Komitmen dan Kebijakan Penerapan Good Corporate 559 Sekretaris Perusahaan
Governance Corporate Secretary
The Commitment and Policy of Good Corporate 563 Satuan Kerja Audit Internal (SKAI)
Governance Implementation Internal Audit Work Unit (IAU)
345 Peningkatan Kualitas Good Corporate Governance 568 Sistem Pengendalian Internal
Quality Improvement of Good Corporate Governance Internal Control System
347 Penilaian Penerapan Good Corporate Governance 573 Audit Eksternal
Assessment of Good Corporate Governance External Audit
Implementation 574 Sistem Manajemen Risiko
353 Penerapan atas Pedoman Tata Kelola Perusahaan Risk Management System
Terbuka 574 Satuan Kerja Kepatuhan
Implementation of Corporate Governance Guidelines Compliance Unit
for Public Companies
580 Anti Pencucian Uang dan Pencegahan Pendanaan
372 Struktur dan Mekanisme Corporate Governance Terorisme (APU & PPT)
Corporate Governance Structure and Mechanism Anti Money Laundering and Counter Financing of
374 Rapat Umum Pemegang Saham Terrorism (AML & CFT)
General Meeting of Shareholders 582 Perkara Penting
405 Informasi Pemegang Saham Utama/Pengendali Important Cases
Information on the Majority/Controlling Shareholders 583 Sanksi Administratif
406 Dewan Pengawas Syariah Administrative Sanction
Sharia Supervisory Board 583 Akses Informasi dan Data Perusahaan
418 Dewan Komisaris Access to Company Data and Information
Board of Commissioners 587 Kode Etik Perusahaan
432 Komisaris Independen Company Code of Conduct
Independent Commissioners 589 Kebijakan Anti Korupsi/Fraud dan Sosialisasinya
436 Direksi Anti-Corruption/Fraud Policy and Its Socialization
Board of Directors 593 Pengendalian Gratifikasi
454 Hubungan Afiliasi antara Anggota Direksi, Dewan Gratuity Control
Komisaris, dan Pemegang Saham Utama dan/atau 594 Transparansi Kondisi Keuangan dan Non-Keuangan
Pengendali Transparency of Company’s Financial and Non-Financial
Affiliate Relationship between Members of the Board Conditions
of Directors, the Board of Commissioners, and Majority
and/or Controlling Shareholders 595 Pembelian Kembali Saham dan Obligasi Bank
Muamalat Indonesia
456 Kebijakan Pengungkapan Informasi Kepemilikan Buyback of Shares and Bonds of Bank Muamalat
Saham Indonesia
Policy on Disclosure of Information on Share Ownership
595 Pemberian Dana untuk Kegiatan Sosial dan Politik
460 Penilaian Dewan Komisaris dan Direksi Provision of Funds for Social and Political Activities
Assessment of the Board of Commissioners and the
Board of Directors 595 Batas Maksimum Penyaluran Dana (BMPD)
Legal Lending Limit (LLL)
468 Nominasi dan Remunerasi Dewan Pengawas Syariah,
595 Kebijakan Perlindungan Nasabah
Dewan Komisaris, dan Direksi Customer Protection Policy
Nomination and Remuneration of the Sharia
Supervisory Board, the Board of Commissioners, and 595 Perlindungan Hak Kreditur
Creditor Rights Protection
the Board of Directors
492 Komite Audit 596 Sistem Pelaporan Pelanggaran
Whistleblowing System
Audit Committee
503 Komite Nominasi dan Remunerasi 597 Pendapatan Non-Halal dan Penggunaannya
Non-Halal Income and Use
Nomination and Remuneration Committee
512 Komite Pemantau Risiko
Risk Oversight Committee
521 Komite Tata Kelola Perusahaan
Corporate Governance Committee
527 Komite di Bawah Direksi
Committees under the Board of Directors
528 Komite Pengarah Teknologi Informasi
Information Technology Steering Committee
532 Asset & Liability Committee (ALCO)
Asset & Liability Committee (ALCO)
549 Komite Manajemen Risiko
Risk Management Committee
555 Komite Sumber Daya Manusia
Human Capital Committee

Bank Muamalat berupaya untuk terus melakukan inovasi Bank Muamalat strives to continue to innovate and integrate
dan integrasi dalam menjalankan kegiatan bisnis Bank the Bank's business activities based on the principles of
yang berlandaskan prinsip tata kelola perusahaan yang good corporate governance. In addition, the Bank is also
baik atau Good Corporate Governance (GCG). Selain itu, Bank committed to improving the quality of GCG implementation
juga berkomitmen untuk meningkatkan kualitas penerapan and strengthening corporate governance synergies to
prinsip GCG dan memperkukuh sinergi tata kelola support the Bank's growth on an ongoing basis so that
perusahaan sebagai bentuk dukungan Bank untuk tumbuh it can provide added value, both for the Bank and for all
secara berkesinambungan sehingga dapat memberikan nilai stakeholders.
tambah bagi Bank dan seluruh pemangku kepentingan.

Penerapan internalisasi prinsip GCG yang

baik dalam setiap kebijakan akan menjadikan
pengelolaan Bank berjalan secara jelas, terstruktur,
terbuka, adil, dapat dipertanggungjawabkan, serta
independen.
The implementation of GCG principles internally in each policy will enable the
management of the Bank runs in a clear, structured, open, fair, accountable, and
independent manner.
Komitmen dan Kebijakan Penerapan

Good Corporate Governance
Commitment and Policy on the Implementation of Good Corporate
Governance
Bank Muamalat dalam menerapkan tata kelola perusahaan In implementing corporate governance, Bank Muamalat
didasari oleh lima prinsip yaitu: Transparansi, Akuntabilitas, refers to five principles: Transparency, Accountability,
Responsibilitas, Profesional, dan Kesetaraan atau Responsibility, Professionalism, and Equality or Fairness.
Kewajaran. Implementasi prinsip-prinsip tersebut dilakukan The implementation of these principles is carried out on an
secara berkesinambungan yang didahului dengan proses ongoing basis, preceded by an internalization process within
internalisasi di lingkungan BMI agar setiap lini organisasi BMI so that each line of the Bank's organization understands
Bank memiliki kesepahaman atas penerapan GCG secara the consistent implementation of GCG in carrying out its
konsisten dalam menjalankan fungsinya. functions.

Penerapan prinsip-prinsip di lingkungan Bank Muamalat The application of the principles within Bank Muamalat is
diuraikan dalam tabel berikut ini: described in the following table:
Prinsip
Implementasi di Bank Muamalat Indonesia Implementation at Bank Muamalat Indonesia
Principle
Transparansi Keterbukaan atau transparansi mengandung Openness, or transparency, contains 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, accurate, comparable and
informasi) kepada yang berhak akurat, dapat diperbandingkan serta mudah easily accessible manner for stakeholders and the
menerimanya” (QS. An-Nisa: 58) diakses oleh para pemangku kepentingan dan public.
masyarakat.
Transparency
"Indeed, Allah commands you Bank dan jajaran manajemen selalu berupaya The Bank and management always strive to
to convey the mandate (rights/ menjamin adanya keterbukaan dalam ensure transparency in conveying material and
information) to those who are menyampaikan informasi materiil dan relevan. relevant information. Likewise in carrying out the
entitled to receive it" (QS. An-Nisa: Begitu juga dalam melaksanakan proses decision-making process. All information is easily
58) pengambilan keputusan. Seluruh Informasi accessible by stakeholders according to their
mudah diakses oleh para pemangku kepentingan rights.
sesuai dengan haknya.
Kebijakan BMI dibuat secara tertulis dan BMI policies are made in writing and
dikomunikasikan kepada pemangku kepentingan communicated to stakeholders who are entitled to
yang berhak memperoleh informasi. Keterbukaan obtain information. Disclosure not only discloses
tidak hanya mengungkapkan informasi yang information required by laws and regulations,
diwajibkan oleh peraturan perundang-undangan, but is also important in the decision-making
tetapi juga hal penting dalam proses pengambilan process according to sharia provisions, without
keputusan sesuai ketentuan syariah, tanpa prejudice to the Bank's obligation to comply
mengurangi kewajiban Bank memenuhi with organizational confidentiality provisions in
ketentuan kerahasiaan organisasi sesuai accordance with applicable laws and regulations.
peraturan perundangundangan yang berlaku.
Akuntabilitas Akuntabilitas merupakan bagian dari Accountability is part of the clarity of functions
“Sesungguhnya yang takut kepada kejelasan fungsi dalam organisasi dan cara within the organization and how to account
Allah di antara hamba-hamba-Nya, mempertanggungjawabkannya sehingga for them so that their management can run
hanyalah ulama (orang-orang yang pengelolaannya dapat berjalan secara efektif. effectively.
berilmu pengetahuan)”
(QS Fathir: 28) Manajemen Bank Muamalat Indonesia The management of Bank Muamalat Indonesia is
mempertanggungjawabkan kinerjanya secara accountable for its performance in a transparent
“Adakah sama orang yang berilmu transparan dan wajar. Untuk itu, bisnis Bank and fair manner. For this reason, Bank Muamalat
pengetahuan dengan yang tidak Muamalat Indonesia harus dikelola secara benar, Indonesia's business must be managed properly,
berilmu pengetahuan” (QS Az- terukur dan sesuai kepentingan pelaku bisnis measurably and in accordance with the interests
Zumar: 9) dengan tetap memperhitungkan kepentingan of business actors while taking into account the
para pemangku kepentingan. 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
"Indeed, those who fear
Allah among His servants are
only scholars (those who are
knowledgeable)"
(QS Fathir: 28)
"Are there people who are

knowledgeable and those who are
not knowledgeable" (QS Az-Zumar:
9)
“Allah elevates those who believe

among you and those who have
knowledge by degrees. Allah is All-
Knowing of 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 peraturan legislation and internal regulations as well
atas apa yang telah diperbuatnya” perundang-undangan dan ketentuan internal as responsibility towards society and the
(QS Al-Muddatsir: 38) serta tanggung jawab terhadap masyarakat dan environment. Responsibility is required to ensure
lingkungan. Responsibilitas diperlukan agar dapat long-term sustainability of the business and
Responsibility menjamin terpeliharanya kesinambungan usaha recognition as a good corporate citizen.
"Each person is responsible for what dalam jangka panjang dan mendapat pengakuan
he has done" sebagai warga korporasi yang baik/good corporate
(QS Al-Muddatsir: 38) 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 a professional as competent,
“Barang siapa meniru-niru suatu kompeten, mampu bertindak objektif, bebas capable of acting objectively, free from influence/
kaum, maka ia termasuk golongan dari pengaruh/tekanan dari pihak mana pressure from any party (independent), avoiding
mereka” (HR Abu Daud) pun (independen), terhindar dari benturan conflicts of interest and having a high commitment
kepentingan serta memiliki komitmen yang tinggi to developing BMI.
“Sesungguhnya Allah mencintai untuk mengembangkan BMI.
seseorang apabila mengerjakan The Bank and all levels of management guarantee
sesuatu pekerjaan, dilakukan secara Bank dan seluruh jajaran manajemen menjamin that Bank Muamalat Indonesia is managed
profesional (itqon)” (HR Abu Ya’la bahwa Bank Muamalat Indonesia dikelola secara professionally without any conflict of interest
dan dishahihkan oleh Albany) profesional tanpa adanya benturan kepentingan and can avoid influence/pressure from any
dan dapat menghindari pengaruh/tekanan dari party (independent) that is not in accordance
Professional pihak mana pun (independen) yang tidak sesuai with applicable laws and regulations and sound
"Whoever imitates a people, then he dengan peraturan perundang-undangan yang corporate principles. The implementation of
is among them" (HR Abu Daud) berlaku dan prinsip-prinsip korporasi yang professional principles and independence is
sehat. Implementasi prinsip profesional dan carried out by BMI.
"Indeed, Allah loves someone kemandirian dilaksanakan oleh BMI.
when doing something work, done
professionally (itqon)" (HR Abu Ya'la
and authenticated by Albany)
Kewajaran dan Kesetaraan Kewajaran dan kesetaraan merupakan nilai Fairness and equality are the values of fair
“Sesungguhnya Allah dari perlakuan yang adil dan kesempatan yang treatment and equal opportunity in proportion
memerintahkan kamu untuk sama sesuai proporsinya dalam memenuhi to fulfilling the rights of stakeholders based on
berlaku adil dan berbuat kebaikan” hak-hak pemangku kepentingan berdasarkan agreements and applicable laws and regulations.
(QS An-Nahl: 90) perjanjian dan peraturan perundang-undangan Equality contains elements of equality of
yang berlaku. Kesetaraan mengandung unsur treatment and opportunity, so that it always
“Wahai orang-orang yang beriman, kesamaan perlakuan dan kesempatan, sehingga pays attention to 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 and equality of each of the
saksi karena Allah biarpun terhadap kepentingan lainnya berdasarkan asas kewajaran parties concerned, including:
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 principle of fairness which
diimplementasikan sebagai keadilan dan is implemented as fairness and equality
Fairness and Equality kesetaraan (equal treatment) di dalam (equal treatment) in fulfilling the rights of
"Indeed Allah commands you to act memenuhi hak-hak pemangku kepentingan stakeholders that arise based on agreements
justly and do good" yang timbul berdasarkan perjanjian dan and applicable laws and regulations.
(QS An-Nahl: 90) peraturan perundang-undangan yang berlaku. 2. BMI guarantees that each stakeholder
2. BMI menjamin bahwa setiap pemangku will receive equal treatment without
"O you who believe, be a person kepentingan akan mendapatkan perlakuan discrimination in accordance with existing
who is truly upholding justice, yang setara tanpa diskriminasi sesuai dengan laws and regulations.
being a witness for Allah even if it is peraturan perundang-undangan yang ada.
against yourself or your parents and
relatives..."
(QS An-Nisa: 135)

KEBIJAKAN PENERAPAN TATA KELOLA POLICY ON THE IMPLEMENTATION OF

PERUSAHAAN CORPORATE GOVERNANCE
Penerapan prinsip-prinsip GCG adalah landasan berpikir The implementation of GCG principles is the cornerstone of
dan bertindak yang melekat pada seluruh insan Bank thinking and acting that is inherent in all employees of Bank
Muamalat dalam melaksanakan tugas dan tanggung Muamalat when carrying out their duties and responsibilities.
jawabnya. Penerapan internalisasi prinsip GCG yang baik The internalization of GCG principles in every policy will
dalam setiap kebijakan akan menjadikan pengelolaan enable the Bank's management to run clearly, structured,
Bank berjalan secara jelas, terstruktur, terbuka, adil, dapat openly, fair, accountable, and independently.
dipertanggungjawabkan, serta independen.
Anggaran Dasar Perusahaan selama ini berperan sebagai The Company's Articles of Association thus far have served
acuan dan pijakan dasar dalam penerapan prinsip-prinsip as a reference and foundation in applying GCG principles,
GCG, yang penyusunannya bersumber dari Undang-undang the preparation of which is sourced from the Law and
dan peraturan regulator yang sesuai dengan kegiatan usaha regulatory regulations in accordance with Bank Muamalat's
Bank Muamalat. business activities.
Governance Framework dalam penerapan GCG Bank The Governance Framework in the implementation of Bank
Muamalat, adalah sebagai berikut: Muamalat's GCG is as follows:
1. Komitmen Tata Kelola 1. Governance Commitment
Tahapan pertama dalam penerapan GCG ialah The first stage in implementing GCG is to build
membangun komitmen dari seluruh jajaran Bank commitment from all levels of the Bank to be part of
untuk menjadi bagian dalam implementasi tata kelola the implementation of corporate governance. The form
perusahaan. Bentuk implementasi komitmen diawali of commitment implementation begins with forming
dengan membentuk landasan yang menjadi dasar a foundation that forms the basis for implementing
pelaksanaan komitmen implementasi seperti Anggaran implementation commitments such as the Company's
Dasar Perusahaan, Visi dan Misi Perusahaan, serta Code Articles of Association, the Company's Vision and
of Conduct. Mission, and the Code of Conduct.
2. Struktur Tata Kelola 2. Governance Structure
Bank berkomitmen dalam melengkapi dan menempatkan The Bank is committed to equipping and placing the
sumber daya yang tepat pada struktur perusahaan dan right resources in the corporate structure and improving
menyempurnakan berbagai infrastruktur pendukung various supporting infrastructures to ensure the
untuk memastikan governance process dapat berjalan governance process can run properly.
sebagaimana mestinya.
3. Mekanisme Tata Kelola 3. Governance Mechanism
Prinsip-prinsip GCG dibuat melekat dalam kebijakan, GCG principles are embedded in policies, guidelines,
pedoman, prosedur kerja, dan aturan internal lainnya work procedures, and other internal rules to ensure the
guna meyakinkan terlaksananya prinsip-prinsip tersebut implementation of these principles and the fulfillment of
dan terpenuhinya governance process. the governance process.

4. Sosialisasi dan Evaluasi 4. Socialization and Evaluation

Guna memastikan seluruh jajaran Perseroan dapat To ensure all levels of the Company can apply the
menerapkan prinsip-prinsip tata kelola yang telah principles of governance that have been internalized
diinternalisasi dalam sistem perusahaan maka tahapan in the company system, the next stage is to conduct
selanjutnya adalah melakukan sosialisasi kepada seluruh socialization at all levels of the Company. The
jajaran Perseroan. Pelaksanaan sosialisasi ditujukan implementation of socialization is intended so that
agar seluruh jajaran perusahaan dapat memahami dan all levels of the Company can understand and apply
menerapkan GCG pada setiap implementasi tugas dan GCG in every implementation of their duties and
tanggung jawabnya. Adapun evaluasi dilakukan untuk responsibilities. The evaluation is carried out to control
mengontrol sejauh mana implementasi telah dilakukan the extent to which the implementation has been carried
dan guna membenahi kelemahan untuk perbaikan out and to fix weaknesses for further improvement of
penerapan GCG selanjutnya. GCG implementation.
DASAR PENERAPAN GOOD CORPORATE BASIS FOR IMPLEMENTING GOOD CORPORATE

GOVERNANCE GOVERNANCE
Penerapan Good Corporate Governance pada Bank Muamalat The implementation of Good Corporate Governance at
berdasarkan pada berbagai peraturan perundang- Bank Muamalat is based on various laws and regulations,
undangan, antara lain adalah sebagai berikut: including the following:
Jenis Peraturan
Peraturan Regulation
Type of Regulation
Undang-Undang • Undang Undang No. 8 tahun 1995 tentang • Law No. 8 of 1995 on Capital Markets
Law Pasar Modal
• Undang Undang No. 21 tahun 2008 tentang • Law No. 21 of 2008 on Sharia Banking.
Perbankan Syariah.
• Undang-Undang No. 40 Tahun 2007 tentang • Law No. 40 of 2007 concerning Limited
Perseroan Terbatas. Liability Companies.
Peraturan Bank Indonesia Peraturan Bank Indonesia No. 11/33/ Bank Indonesia Regulation No. 11/33/PBI/2009
Bank Indonesia Regulation PBI/2009 tentang Pelaksanaan Good Corporate on the Implementation of Good Corporate
Governance bagi Bank Umum Syariah dan Unit Governance for Sharia Commercial Banks and
Usaha Syariah. Sharia Business Units.
Surat Edaran Bank Indonesia • Surat Edaran Bank Indonesia No. 12/13/ • Bank Indonesia Circular Letter No. 12/13/
Bank Indonesia Circular Letter DPbS tanggal 30 April 2010 tentang DPbS dated April 30, 2010 regarding
Pelaksanaan Good Corporate Governance the Implementation of Good Corporate
bagi Bank Umum Syariah dan Unit Usaha Governance for Sharia Commercial Banks
Syariah. and Sharia Business Units.
• Surat Edaran Bank Indonesia No. 15/50/ • Bank Indonesia Circular Letter No. 15/50/
DPbS No. 11/9/DPbS tanggal 7 April 2009 DPbS No. 11/9/DPbS dated April 7, 2009
perihal Bank Umum Syariah sebagaimana regarding Islamic Commercial Banks as
telah diubah dengan Surat Edaran Bank amended by Bank Indonesia Circular Letter
Indonesia No. 15/50/DPbS. No. 15/50/DPbS.

Jenis Peraturan
Type of Regulation
Peraturan Otoritas Jasa Keuangan • Peraturan Otoritas Jasa Keuangan No. 8/ • Financial Services Authority Regulation No.
(OJK) POJK.03/2014 tentang Penilaian Tingkat 8/POJK.03/2014 concerning Health Level
Financial Services Authority (OJK) Kesehatan Bank Umum Syariah dan Unit Assessment of Sharia Commercial Banks
Regulation Usaha Syariah and Sharia Business Units
• Peraturan Otoritas Jasa Keuangan No. 33/ • Financial Services Authority Regulation No.
POJK.04/2014 tentang Direksi dan Dewan 33/POJK.04/2014 on the Board of Directors
Komisaris Emiten atau Perusahaan Publik and Board of Commissioners of Issuers or
Public Companies
• Peraturan Otoritas Jasa Keuangan No. 8/ • Financial Services Authority Regulation
POJK.04/2015 tentang Situs Web Emiten No. 8/POJK.04/2015 regarding Website of
atau Perusahaan Publik. Issuers or Public Companies.
POJK.04/2015 tentang Penerapan Pedoman No. 21/POJK.04/2015 regarding the
Tata Kelola Perusahaan Terbuka. Implementation of Public Company
Governance Guidelines.
POJK.04/2015 tentang Keterbukaan atas 31/POJK.04/2015 regarding Disclosure of
Informasi atau Fakta Material oleh Emiten Material Information or Facts by Issuers or
atau Perusahaan Publik. Public Companies.
POJK.04/2020 tentang Transaksi Material No. 17/POJK.04/2020 regarding Material
dan Perubahan Kegiatan Usaha. Transactions and Changes in Business
Activities.
POJK.04/2020 tentang Transaksi Afiliasi dan No. 42/POJK.04/2020 concerning Affiliated
Transaksi Benturan kepentingan. Transactions and Conflict of Interest
Transactions.
POJK.03/2021 Tentang Perubahan atas No. 14/POJK.03/2021 Concerning
Peraturan Otoritas Jasa Keuangan No. 34/ Amendments to Financial Services
POJK.03/2018 Tentang Penilaian Kembali Authority Regulation No. 34/POJK.03/2018
Bagi Pihak Utama Lembaga Jasa Keuangan. Concerning Revaluation of Main Parties in
Financial Services Institutions.
• Peraturan Otoritas Jasa Keuangan No. • Financial Services Authority Regulation No.
27/ POJK.03/2016 tentang Penilaian 27/POJK.03/2016 concerning Capability and
Kemampuan dan Kepatutan bagi Pihak Appropriateness Assessment for the Main
Utama Lembaga Jasa Keuangan. Party of Financial Services Institutions.
POJK.04/2016 tentang Laporan Tahunan 29/POJK.04/2016 regarding Annual Report
Emiten atau Perusahaan Publik of Issuers or Public Companies.
• Peraturan Otoritas Jasa Keuangan No. • Financial Services Authority Regulation
51/POJK.03/2017 tentang Penerapan No. 51/POJK.03/2017 regarding the
Keuangan Berkelanjutan bagi Lembaga Jasa Implementation of Sustainable Finance for
Keuangan, Emiten dan Perusahaan Publik. Financial Services Institutions, Issuers and
Public Companies.
• Peraturan Otoritas Jasa Keuangan No. • Financial Services Authority Regulation
65/POJK.03/2016 tentang Penerapan No. 65/POJK.03/2016 regarding the
Manajemen Risiko bagi Bank Umum Syariah Implementation of Risk Management
dan Unit Usaha Syariah. for Sharia Commercial Banks and Sharia
Business Units.
POJK.03/2017 tentang Pelaksanaan Fungsi 46/POJK.03/2017 regarding Implementation
Kepatuhan Bank Umum. of Compliance Function of Commercial
Banks.
POJK.04/2020 tentang Rencana dan No. 15/POJK.04/2020 concerning Planning
Penyelenggaraan Rapat Umum Pemegang and Organizing General Meetings of
Saham Perusahaan Terbuka. Shareholders of Public Companies.
• Peraturan OJK No. 16/POJK.04/2020 tentang • Financial Services Authority Regulation
Pelaksanaan Rapat Umum Pemegang Regulation No. 16/POJK.04/2020 regarding
Saham Perusahaan Terbuka Secara the Implementation of Electronic General
Elektronik. Meeting of Shareholders of Public Companies.
POJK.03/2019 tentang Transparansi dan 37/POJK.03/2019 regarding Transparency
Publikasi Laporan Bank. and Publication of Bank Reports.
POJK.04/2021 tentang Penyelenggaraan No. 3/POJK.04/2021 concerning the
Kegiatan di Bidang Pasar Modal. Implementation of Activities in the Capital
Market Sector.

Jenis Peraturan
Type of Regulation
Surat Edaran Otoritas Jasa • Surat Edaran Otoritas Jasa Keuangan • Circular Letter of the Financial Services
Keuangan (OJK) No. 10/SEOJK.03/2014 tentang Penilaian Authority No. 10/SEOJK.03/2014 concerning
Circular Letter of the Financial Services Tingkat Kesehatan Bank Umum Syariah dan Health Level Assessment of Sharia
Authority Financial Services Authority Unit Usaha Syariah. Commercial Banks and Sharia Business
(OJK) Units.
• Surat Edaran Otoritas Jasa Keuangan No. • Circular Letter of the Financial Services
32/SEOJK.04/2015 tentang Pedoman Tata Authority No. 32/SEOJK.04/2015 on
Kelola Perusahaan Terbuka. Guidelines for the Governance of Public
Companies.
• Surat Edaran Otoritas Jasa Keuangan • Circular Letter of the Financial Services
No. 16/SEOJK.04/2021 tentang Bentuk Authority No. 16/SEOJK.04/2021 regarding
dan Isi Laporan Tahunan Emiten atau the Form and Content of the Annual Report
Perusahaan Publik. of Issuers or Public Companies.
• Surat Edaran Otoritas Jasa Keuangan No. • Circular Letter of the Financial Services
10/SEOJK.03/2020 tentang Transparansi Authority No. 10/SEOJK.03/2020 concerning
dan Publikasi Laporan Bank Umum Syariah Transparency and Publication of Reports
dan Unit Usaha Syariah. of Sharia Commercial Banks and Sharia
Business Units.
Peraturan Otoritas Jasa Keuangan • Peraturan OJK Nomor 16/POJK.03/2022 • Financial Services Authority Regulation
(OJK) tentang Bank Umum Syariah. Regulation Number 16/POJK.03/2022
Financial Services Authority (OJK) concerning Islamic Commercial Banks.
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 for Good Governance of
Syariah Sharia Business
• Board Manual PT Bank Muamalat • Board Manual of PT Bank Muamalat
Indonesia Tbk. Indonesia Tbk.
• Kebijakan Good Corporate Governance • Good Corporate Governance Policy of
PT Bank Muamalat Indonesia Tbk. PT Bank Muamalat Indonesia Tbk.
• Pedoman dan Prosedur Pelaksanaan • Guidelines and Procedures for Handling
Penanganan Pelaporan Pengaduan Customer Complaint Reporting PT Bank
Nasabah PT Bank Muamalat Indonesia Tbk. Muamalat Indonesia Tbk.
• Kode Etik Bankir. • Banker's Code of Ethics.
• Kode Etik PT Bank Muamalat Indonesia Tbk. • Code of Ethics of PT Bank Muamalat
Indonesia Tbk.
• Ittifaq Muamalat. • Ittifaq Muamalat.
TUJUAN PENERAPAN GCG PURPOSE OF IMPLEMENTING GCG

Bank berkomitmen tinggi dalam menerapkan prinsip-prinsip The Bank is highly committed to implementing GCG
GCG dengan tujuan sebagai berikut: principles with the following objectives:
1. Mengendalikan dan mengarahkan hubungan antara 1. Controlling and directing the relationship between
Organ Perusahaan (Pemegang Saham, Dewan Komisaris, Company Organs (Shareholders, Board of
Direksi dan Dewan Pengawas Syariah), karyawan, Commissioners, Board of Directors and Sharia
nasabah, mitra kerja, serta masyarakat dan lingkungan Supervisory Board), employees, customers, business
agar seluruh aktivitas Bank dapat dijalankan dengan baik partners, as well as the community and the environment
sesuai dengan prinsip-prinsip GCG. so that all Bank activities can be carried out properly in
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 the 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 corporate efficiency programs created from 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. Preventing irregularities in the management of Bank
Bank Muamalat. Muamalat.
6. Mempersiapkan landasan yang kuat bagi pertumbuhan 6. Preparing a strong foundation for the sustainable growth
berkelanjutan Bank Muamalat. of Bank Muamalat.

REALISASI PENERAPAN GOOD CORPORATE REALIZATION OF GOOD CORPORATE

GOVERNANCE TAHUN 2022 GOVERNANCE IMPLEMENTATION IN 2022
Pada tahun 2022 Bank Muamalat telah melakukan beberapa In 2022 Bank Muamalat has made several improvements to
upaya perbaikan GCG, di antaranya: the implementation of GCG, including:
1. Memproses permohonan Penilaian Kemampuan dan 1. Processing the application for Fit and Proper Assessment
Kepatutan atas seorang anggota DPS hingga yang of a DPS member until the person concerned has
bersangkutan telah mendapatkan keputusan efektif dari received an effective decision from OJK on July 7, 2022.
OJK tanggal 7 Juli 2022.
Kepatutan atas 3 (tiga) orang anggota Dewan Komisaris of 3 (three) members of the Board of Commissioners
hingga yang bersangkutan telah mendapatkan until they have received an effective decision from the
keputusan efektif dari OJK pada tanggal 19 Juli 2022 dan OJK on July 19, 2022, and January 16, 2023.
16 Januari 2023.
Kepatutan atas 2 (dua) orang anggota Direksi hingga of 2 (two) members of the Board of Directors until they
yang bersangkutan telah mendapatkan keputusan have received an effective decision from OJK on October
efektif dari OJK pada tanggal 3 Oktober 2022. 3, 2022.
4. Melakukan pengkinian Komite-Komite Tingkat Dewan 4. Updating the Board of Commissioners Level Committees
Komisaris sesuai dengan keputusan Rapat Umum in accordance with the decision of the Extraordinary
Pemegang Saham Luar Biasa (RUSPLB) tahun 2022 atas General Meeting of Shareholders (EGMS) in 2022 on
perubahan anggota Dewan Komisaris Perseroan. changes in the members of the Company's Board of
Commissioners.
5. Penyelenggaraan pelatihan dan sertifikasi wajib seperti 5. Organizing mandatory training and certification such
Pelaksanaan Sertifikasi Tresuri, Sertifikat Pelatihan as Treasury Certification Implementation, Competency
Berbasis Kompetensi (PBK), Sertifikat Kompetensi Sistem Based Training Certificate (PBK), Certificate of
Pembayaran dan Pengelolaan Uang Rupiah (SPPUR) dan Competency for Payment System and Rupiah Money
Pemeliharaan Kompetensi SPPUR kepada pejabat dan Management (SPPUR), and SPPUR Competency
pegawai terkait secara berkala. Maintenance to relevant officials and employees on a
regular basis.
6. Membangun sosialisasi budaya kepatuhan (compliance 6. Building the socialization of compliance culture, risk
culture), budaya risiko, budaya anti-fraud dank ode etik culture, anti-fraud culture, and ethical rules of Bank
Bank Muamalat di lingkungan Bank melalui email blast Muamalat within the Bank through email blasts and the
dan juga sistem Muamalat Human Power (MHP). Muamalat Human Power (MHP) system.
7. Mewajibkan setiap karyawan Bank Muamalat untuk 7. Requiring every employee of Bank Muamalat to make
membuat persetujuan secara elektronik surat electronic approval of compliance statements, GCG
pernyataan kepatuhan, pelaksanaan GCG dan deklarasi implementation, and anti-fraud declaration periodically.
anti-fraud secara berkala.
8. Memonitor penerbitan produk dan aktivitas Bank oleh 8. Monitoring the issuance of Bank products and activities
Dewan Pengawas Syariah (DPS) dan Compliance Syariah by the Sharia Supervisory Board (DPS) and Sharia
agar tetap sesuai dengan aspek syariah termasuk Compliance to remain in accordance with sharia
melakukan uji petik dalam memastikan penerapan aspects, including conducting a petition test to ensure
kepatuhan syariah di unit bisnis Bank. the implementation of sharia compliance in the Bank's
business units.

Peningkatan Kualitas Good Corporate

Governance Tahun 2023
Improving the Quality of Good Corporate Governance in 2023
Sebagai upaya peningkatan kualitas implementasi GCG yang To improve the quality of GCG implementation sustainable,
berkelanjutan, pada tahun 2023 Bank Muamalat berencana in 2023 Bank Muamalat plans to carry out various initiatives,
untuk melakukan berbagai inisiatif, di antaranya: including:
1. Mengevaluasi serta memperbarui kebijakan dan 1. Evaluate and update policies and procedures periodically
prosedur secara berkala dalam rangka menjaga to maintain the effectiveness and suitability of policies
efektivitas dan kesesuaian kebijakan serta prosedur and procedures owned with reference to applicable laws
yang dimiliki dengan mengacu pada ketentuan dan and regulations.
perundang-undangan yang berlaku.
2. Melakukan upaya-upaya untuk memperbaiki kinerja 2. Making efforts to improve the Bank's performance by
Bank dengan memperhatikan aspek kehati-hatian dan paying attention to prudential and GCG aspects that
GCG yang terus dilakukan oleh Manajemen Bank secara continue to be carried out by Bank Management on an
berkesinambungan. ongoing basis.
3. Menyempurnakan struktur organisasi yang sesuai 3. Improving the organizational structure in accordance
dengan bisnis Bank. with the Bank's business.
4. Melakukan penyempurnaan penerapan GCG yang 4. Improving the implementation of GCG that refers to the
mengacu pada pedoman dan standar GCG yang berlaku GCG guidelines and standards that apply nationally and
secara nasional dan internasional. internationally.
5. Memproses permohonan Penilaian Kemampuan 5. Processed the Fit and Proper Assessment application of
dan Kepatutan atas 2 (dua) orang anggota Dewan 2 (two) members of the Board of Commissioners and
Komisaris dan 2 (dua) orang anggota Direksi hingga yang 2 (two) members of the Board of Directors until they
bersangkutan mendapatkan keputusan efektif dari OJK. received an effective decision from OJK.
6. Melakukan pengkinian Komite-Komite Tingkat Direksi 6. Updating the Board of Directors Committees in
sesuai dengan keputusan Rapat Umum Pemegang accordance with the decision of the Extraordinary
Saham Luar Biasa (RUSPLB) tahun 2022 atas perubahan General Meeting of Shareholders (EGMS) in 2022 on
anggota Direksi Perseroan. changes in the members of the Company's Board of
Directors.
7. Penambahan dua Komite Tingkat Direksi yaitu Komite 7. Addition of two Board of Directors Level Committees,
Kebijakan Pembiayaan dan Komite Bisnis guna namely the Financing Policy Committee and the
mendukung efektivitas pelaksanaan tugas dan tanggung Business Committee, to support the effectiveness of the
jawab Direksi. implementation of the duties and responsibilities of the
Board of Directors.
8. Melakukan penambahan anggota Komite Pemantau 8. Adding a member of the Risk Monitoring Committee, an
Risiko yaitu seorang Pihak Independen yang ahli di Independent Party expert in Sharia Banking.
bidang Perbankan Syariah.
9. Melakukan pelatihan dan sertifikasi kepada pejabat dan 9. Conducting training and certification for officials and
pegawai secara berkala. employees on a regular basis.
10. Melakukan refreshment budaya kepatuhan (compliance 10. Refreshing compliance culture, risk culture, and anti-
culture), budaya risiko dan budaya anti-fraud di fraud culture within the Bank.
lingkungan Bank.
11. Melakukan refreshment kode etik Bank dan corporate 11. Conducting refreshments of the Bank's code of ethics
culture. and corporate culture.
12. Melakukan pengkinian persetujuan secara elektronik 12. Updating electronic approval of compliance statements,
atas surat pernyataan kepatuhan, pelaksanaan GCG dan GCG implementation, and anti-fraud declaration
deklarasi anti-fraud secara berkala. periodically.

13. Memonitor penerbitan produk dan aktivitas Bank oleh 13. Monitor the issuance of the Bank's products and
Dewan Pengawas Syariah (DPS) dan Compliance Syariah activities by the Sharia Supervisory Board (DPS) and
agar tetap sesuai dengan aspek syariah termasuk Sharia Compliance to ensure compliance with sharia
melakukan uji petik dalam memastikan penerapan aspects, including conducting petition tests to ensure
kepatuhan syariah di unit bisnis Bank. the implementation of sharia compliance in the Bank's
business units.
14. Pemenuhan rasio prudensial. 14. Fulfillment of prudential ratio.
STANDAR KUALITAS PENERAPAN QUALITY STANDARD OF GOOD CORPORATE

GOOD CORPORATE GOVERNANCE GOVERNANCE IMPLEMENTATION
Penerapan tata kelola perusahaan pada Bank Muamalat The implementation of corporate governance at Bank
melingkupi seluruh aktivitas kerja di semua organ Perseroan Muamalat covers all work activities in all company organs,
meliputi Rapat Umum Pemegang Saham, Dewan Pengawas including the General Meeting of Shareholders, Sharia
Syariah, Dewan Komisaris, Direksi, Komite-Komite Tingkat Supervisory Board, Board of Commissioners, Board of
Dewan Komisaris, Komite-Komite Tingkat Direksi, dan Directors, Board of Commissioners Level Committees, Board
seluruh karyawan Bank, yang berpedoman pada Peraturan of Directors Level Committees, and all Bank employees. All
Bank Indonesia tentang Pelaksanaan Good Corporate of them are guided by Bank Indonesia Regulations on the
Governance bagi Bank Umum Syariah dan Unit Usaha Syariah Implementation of Good Corporate Governance for Sharia
dan Peraturan Otoritas Jasa Keuangan tentang Penerapan Commercial Banks and Sharia Business Units and Financial
Pedoman Tata Kelola Perusahaan Terbuka. Selain itu, Bank Services Authority Regulations on the Implementation of
Muamalat juga menggali praktik terbaik di industri guna Public Company Governance Guidelines. In addition, Bank
memaksimalkan kualitas penerapan GCG. Muamalat also explores best practices in the industry to
maximize the quality of GCG implementation.
Dewan Komisaris dalam penerapan GCG menjalankan fungsi The Board of Commissioners, in implementing GCG carries
pengawasan guna memastikan pengelolaan Bank dilakukan out a supervisory function to ensure that the Board of
oleh Direksi sesuai ketentuan dan peraturan perundangan Directors carries out the management of the Bank in
yang berlaku, termasuk dalam memberikan nasihat/ accordance with applicable laws and regulations, including
pendapat atas tindakan/kegiatan strategis yang akan dan in providing advice/opinions on strategic actions/activities
telah dilaksanakan oleh Direksi. that will and have been carried out by the Board of Directors.
Adapun, Direksi melaksanakan fungsi kepengurusannya Meanwhile, the Board of Directors carries out its management
secara amanah dan professional serta menghindari function in a trustworthy and professional manner and
terjadinya segala potensi benturan kepentingan. Demikian avoids any potential conflict of interest. Likewise, the Board
juga dengan Komite-Komite Tingkat Dewan Komisaris dan of Commissioners Level Committees, Board of Directors
Komite-Komite Tingkat Direksi serta organ-organ GCG Level Committees, and other GCG organs synergize to create
lainnya yang saling bersinergi untuk menciptakan seluruh all operational activities of the Bank per applicable laws and
kegiatan operasional Bank berjalan sesuai dengan peraturan regulations.
perundang-undangan yang berlaku.

Penilaian Penerapan Good Corporate

Governance
Assessment of Good Corporate Governance Implementation
Penilaian penerapan tata kelola perusahaan bertujuan The assessment of the GCG implementation aims to measure
untuk mengukur kedalaman implementasi praktik GCG the depth of GCG practices implementation and to obtain
dan mendapatkan umpan balik perbaikan penerapan feedback for further improvement of GCG implementation.
GCG selanjutnya. Dari tahun ke tahun, Bank Muamalat From year to year, Bank Muamalat conducts periodic GCG
melakukan penilaian penerapan GCG secara berkala untuk implementation assessments to improve the quality of GCG
meningkatkan kualitas penerapan GCG secara mandiri (self- implementation independently (self-assessment).
assessment).
Pelaksanaan self-assessment mengacu pada Peraturan Bank The implementation of self-assessment refers to Bank
Indonesia No. 11/33/PBI/2009 tanggal 7 Desember 2009 Indonesia Regulation No. 11/33/PBI/2009 dated December
tentang Pelaksanaan Good Corporate Governance bagi Bank 7, 2009, concerning the Implementation of Good Corporate
Umum Syariah dan Unit Usaha Syariah, Peraturan Otoritas Governance for Islamic Commercial Banks and Islamic
Jasa Keuangan No. 8/POJK.03/2014 tentang Penilaian Tingkat Business Units, Financial Services Authority Regulation
Kesehatan Bank Umum Syariah dan Unit Usaha Syariah, No. 8/POJK.03/2014 concerning Assessment of Soundness
Peraturan Otoritas Jasa Keuangan Nomor 16/POJK.03/2022 Level of Sharia Commercial Banks and Sharia Business
Tentang Bank Umum Syariah, serta Surat Edaran Otoritas Units, Financial Services Authority Regulation Number 16/
Jasa Keuangan No. 10/SEOJK.03/2014 tentang Penilaian POJK.03/2022 Concerning Sharia Commercial Banks and
Tingkat Kesehatan Bank Umum Syariah dan Unit Usaha Circular Letter of the Financial Services Authority No. 10/
Syariah. SEOJK.03/2014 concerning Health Level Assessment of
Islamic Commercial Banks and Islamic Business Units.
PROSEDUR PENILAIAN ASSESSMENT PROCEDURE

Dalam implementasinya, terdapat 3 (tiga) aspek GCG yang 3 (three) aspects of GCG are assessed in a structured and
dinilai secara terstruktur dan menyeluruh, yaitu comprehensive manner, namely.
1. Struktur Tata Kelola 1. Governance Structure
Pada penilaian ini, Bank Muamalat mengukur kecukupan In this assessment, Bank Muamalat measures the
struktur dan infrastruktur tata kelola yang dimiliki secara adequacy of its overall governance structure and
menyeluruh, guna menghasilkan hasil yang sesuai infrastructure to produce results in accordance with the
dengan harapan seluruh pemangku kepentingan Bank. expectations of all Bank stakeholders.
2. Proses Tata Kelola 2. Governance Process
Penilaian ini bertujuan untuk mengukur efektivitas This assessment aims to measure the effectiveness of
proses implementasi tata kelola yang berjalan. the ongoing governance implementation process.
3. Hasil Tata Kelola 3. Governance Results
Penilaian tata kelola dilakukan Bank Muamalat Bank Muamalat carries out governance assessments to
guna menilai kualitas hasil tata kelola perusahaan assess the quality of corporate governance results and
serta meninjau struktur dan proses tata kelola yang review the governance structure and processes carried
dilakukan guna menghasilkan penerapan tata kelola out to produce quality governance implementation
yang berkualitas sesuai harapan seluruh pemangku according to the expectations of all Bank stakeholders.
kepentingan Bank.
Penilaian penerapan GCG Bank Muamalat dilaksanakan Assessment of Bank Muamalat's GCG implementation is
secara mandiri atau self-assessment secara berkala dengan carried out independently or self-assessment on a regular
tahapan sebagai berikut: basis with the following stages:
1. Persiapan materi penilaian yang dilakukan dengan 1. Preparation of assessment material carried out
mengacu kepada format kertas kerja atau kuisoner yang by referring to the format of working papers or
ditetapkan oleh OJK. questionnaires set by OJK.
2. Pendistribusian kertas kerja/kuisoner self-assessment 2. Distribution of GCG self-assessment working papers /
GCG kepada organ perusahaan dan fungsi terkait. questionnaires to company organs and related functions.

3. Berdasarkan feedback yang diterima dari organ 3. Based on feedback received from corporate organs and
perusahaan dan fungsi terkait, Satuan Kerja Kepatuhan related functions, the Bank's Compliance Working Unit
Bank melakukan review dan evaluasi atas pengisian kertas reviews and evaluates the completion of the working
kerja/kuisoner. Dalam proses tersebut, dimungkinkan papers/quizzer. In the process, it is possible to request
untuk meminta penjelasan atau klarifikasi dari unit explanations or clarifications from the relevant units on
terkait atas hasil pengisian kuisoner yang telah disusun. the results of filling out the questionnaires that have
been prepared.
4. Satuan Kerja Kepatuhan membuat analisis dari hasil 4. The Compliance Working Unit analyzes the results of the
pengisian kuisoner dan menuangkannya dalam Laporan questionnaire filling and presents them in the GCG Self-
Self-Assessment GCG. Assessment 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. Sending the GCG Self-Assessment Report results that
telah disetujui manajemen Perseroan kepada OJK sesuai have been approved by the Company's management to
dengan batas waktu yang berlaku. OJK in accordance with the applicable time limit.
7. Menginformasikan kepada Dewan Komisaris Bank atas 7. Informing the Bank's Board of Commissioners of the
hasil pelaksanaan penilaian self-assessment GCG, antara results of the GCG self-assessment, among others
lain melalui rapat Komite Tata kelola Perusahaan. through the Corporate Governance Committee meeting.
KRITERIA YANG DIGUNAKAN CRITERIA APPLIED

Bank Muamalat menggunakan 11 (sebelas) kriteria yang Bank Muamalat applies 11 (eleven) criteria that refer to the
mengacu pada aturan Bank Indonesia, yaitu: rules of Bank Indonesia, 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 the duties and responsibilities of the
Pengawas Syariah. Sharia Supervisory Board.
5. Pelaksanaan prinsip syariah dalam kegiatan 5. Implementation of sharia principles in fund-raising and
penghimpunan dana dan penyaluran dana serta fund-channeling activities and services.
pelayanan jasa.
6. Penanganan benturan kepentingan. 6. Handling of conflict of interest.
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. Maximum Limit of Fund Disbursement (BMPD).
11. Transparansi kondisi keuangan dan non keuangan, 11. Transparency of financial and non-financial conditions,
laporan pelaksanaan Good Corporate Governance dan reports on the implementation of Good Corporate
pelaporan internal. Governance and internal reporting.
PIHAK YANG MELAKUKAN PENILAIAN PARTIES CONDUCTING THE ASSESSMENT

Pihak yang melakukan penilaian adalah internal Bank The party conducting the assessment is internal to Bank
Muamalat karena metode yang digunakan dalam penilaian Muamalat since the method used in the assessment is the
ialah metode self-assessment. Adapun pelaksanaannya self-assessment method. The implementation is carried out
dilakukan oleh Satuan Kerja Kepatuhan (SKK). Secara by the Compliance Working Unit (SKK). On a consolidated
konsolidasi, Bank Muamalat juga melakukan self-assessment basis, Bank Muamalat also conducts a self-assessment of
atas implementasi GCG di lingkungan anak perusahaan. GCG implementation in the subsidiary environment.

HASIL SELF-ASSESSMENT GOOD CORPORATE GOOD CORPORATE GOVERNANCE SELF-

GOVERNANCE ASSESSMENT RESULTS
Bank Muamalat Indonesia pada tahun 2022 melakukan In 2022, Bank Muamalat Indonesia conducted a self-
penilaian sendiri (self-assessment) pelaksanaan GCG secara assessment of the GCG implementation individually and
individual dan konsolidasi dengan hasil penilaian pada consolidated with the assessment results at a rating of 2 (two),
peringkat 2 (dua) yang mencerminkan manajemen Bank which reflects the Bank's management has implemented
telah melakukan penerapan Good Corporate Governance Good Corporate Governance, which is generally good. This
yang secara umum baik. Hal ini tercermin dari penerapan is reflected in the adequate implementation of the principles
atas prinsip-prinsip Good Corporate Governance yang of Good Corporate Governance. Although there are still
memadai. Meskipun masih terdapat kelemahan dalam weaknesses in implementing Good Corporate Governance
penerapan prinsip Good Corporate Governance maka secara principles, in general, these weaknesses are less significant
umum kelemahan tersebut kurang signifikan dan dapat and can be resolved with normal actions by the Bank's
diselesaikan dengan tindakan normal oleh manajemen management.
Bank.
Analisis Analysis
Berdasarkan kertas kerja self-assessment tahun 2022 secara Based on the 2022 self-assessment working paper in a
komprehensif dan terstruktur yang mencakup governance comprehensive and structured manner that includes
structure, governance process, dan governance outcome, dapat governance structure, governance process, and governance
diidentifikasi mengenai permasalahan berupa kelemahan outcome, problems can be identified in the form of weaknesses
dan penyebabnya (root caused) dan kekuatan pelaksanaan and their causes (root causes) and the strengths of the
Good Corporate Governance sebagai berikut: implementation of Good Corporate Governance as follows:
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), Internal
Satuan Kerja Kepatuhan yang memadai. Jumlah dan Audit Unit, Risk Management Unit, and Compliance Unit.
komposisi anggota Dewan Komisaris, Direksi dan DPS telah The number and composition of members of the Board of
sesuai dengan ketentuan. Pengangkatan anggota Dewan Commissioners, Board of Directors, and DPS are in accordance
Komisaris, Direksi dan Dewan Pengawas Syariah telah melalui with the provisions. The appointment of members of the
tahapan assessment oleh Komite Nominasi dan Remunerasi Board of Commissioners, Board of Directors and Sharia
dengan memperhatikan faktor integritas, kompetensi, dan Supervisory Board has gone through the assessment stage by
reputasi keuangan sehingga anggota Dewan Komisaris, the Nomination and Remuneration Committee by taking into
Direksi dan Dewan Pengawas Syariah memiliki kompetensi account the integrity, competence, and financial reputation
yang memadai dan relevan dengan jabatannya untuk factors, thus members of the Board of Commissioners, Board
menjalankan tugas dan tanggung jawabnya. Seluruh anggota of Directors, and Sharia Supervisory Board have adequate and
Dewan Pengawas Syariah telah dinyatakan lulus Penilaian relevant competence to their positions to carry out their duties
Kemampuan dan Kepatutan (PKK) oleh OJK. and responsibilities. All members of the Sharia Supervisory
Board 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. Direksi juga telah membentuk 4 (empat) and Remuneration Committee and Corporate Governance
komite yaitu Risk Management Committee, IT Steering Committee. The Board of Directors has also established 4
Committee, Asset Liability Committee (ALCO) dan Human (four) committees, namely the Risk Management Committee,
Capital Committee guna mendukung efektivitas pelaksanaan IT Steering Committee, Asset Liability Committee (ALCO), and
tugas dan 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.
Governance Process Governance Process

Dewan Komisaris telah melakukan upaya-upaya dalam rangka The Board of Commissioners has made efforts to improve the
meningkatkan pelaksanaan aspek tata kelola perusahaan implementation of the corporate governance aspects, including
antara lain dengan melakukan pengawasan terhadap kegiatan by supervising the Bank’s operational activities, fulfilling the
operasional Bank, memenuhi penyelenggaraan rapat-rapat implementation of the Board of Commissioners meetings and
Dewan Komisaris dan memperbarui keanggotaan komite renewing the membership of the Board of Commissioners level
level Dewan Komisaris sesuai ketentuan. Komite-Komite committees in accordance with the provisions. The committees
yang dibentuk oleh Dewan Komisaris telah menyampaikan established by the Board of Commissioners have submitted
rekomendasi proses perbaikan kepada Dewan Komisaris. recommendations for improvement processes to the Board of
Dewan Komisaris dan Komite level Dewan Komisaris telah Commissioners. The Board of Commissioners and the Board
menyelenggarakan rapat sesuai dengan ketentuan. Dewan of Commissioners level Committees have held meetings in
Komisaris telah menyelenggarakan rapat bersama Direksi accordance with the provisions. The Board of Commissioners
guna melakukan pengawasan terhadap pelaksanaan tugas has held a meeting with the Board of Directors to supervise
dan tanggung jawab Direksi dan pemberian nasihat oleh the implementation of duties and responsibilities of the Board
Dewan Komisaris kepada Direksi. Dewan Komisaris telah of Directors and provide advice to the Board of Directors. The
menyetujui Rencana Bisnis Bank (RBB) dan Rencana Korporasi Board of Commissioners has approved the Bank’s Business Plan
Bank Muamalat yang telah disusun dengan memperhatikan (BBP) and the Bank's Muamalat Corporate Plan, which have
kondisi faktor eksternal dan internal Bank. Dewan Komisaris been prepared by taking into account the condition of the Bank’s
juga telah melakukan pengawasan terhadap realisasi RBB dan external and internal factors. The Board of Commissioners
menyampaikan laporan hasil pengawasan kepada OJK secara has also supervised the realization of the BBP and periodically
periodik. 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 Board
Syariah telah melakukan uji petik di unit bisnis/cabang. has conducted a sampling test in several business units/
Pelaksanaan uji petik dibantu oleh 2 (dua) orang Liaison Officer branches. The implementation of the sampling test is assisted
yang berada di bawah supervisi unit kerja Compliance. Dewan by 2 (two) Liaison Officers who are under the supervision of the
Pengawas Syariah telah menyelenggarakan rapat rutin bulanan Compliance work unit. The Sharia Supervisory Board has held
guna membahas dan memberikan opini terhadap usulan regular monthly meetings to discuss and provide opinions on
produk, aktivitas dan program sesuai dengan prinsip syariah. proposed products, activities, and programs in accordance with
Dewan Pengawas Syariah telah melakukan pengawasan sharia principles. The Sharia Supervisory Board has supervised
terhadap kegiatan usaha Bank dan menyampaikan laporan the Bank’s business activities and submitted reports on the
hasil pengawasannya kepada OJK secara periodik. results of 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
GCG dan syariah. Direksi telah menyusun Rencana Bisnis the principles of prudence, GCG, and sharia. The Board
Bank (RBB) dan Rencana Korporasi Bank Muamalat yang of Directors has prepared a Bnak Business (BBP) and the
telah mendapatkan persetujuan Dewan Komisaris. Proses Bank Muamalat Corporate Plan which has received Board
pengambilan keputusan Direksi antara lain dilakukan melalui approval Commissioner. The decision-making process for
rapat Direksi yang diselenggarakan secara mingguan. Dalam the Board of Directors is carried out, among others, through
rangka merealisasikan target bisnis dalam Rencana Bisnis the Board of Directors meetings, which are held weekly. In
Bank (RBB) dan Rencana Korporasi Bank Muamalat serta order to realize the business targets in the Bank’s Business
memperbaiki kinerja Bank, Direksi telah melakukan upaya- Plan (BBP) and the Bank's Muamalat Corporate Plan and
upaya antara lain sebagai berikut: 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 financing risk.
risiko pembiayaan.
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 selesai d. Carry out several project initiatives, both completed
maupun yang masih progres, antara lain Implementation and in progress, including Implementation Security
Security Operation Control (SOC), Additional Head Office Operation Control (SOC), Additional Head Office MT
MT Firewall, Replacement Backup solution & core storage, Firewall, Replacement Backup solution & core storage,
MDIN - Tarik Tunai (Indomart), Paywave VISA dan MDIN - MDIN – Cash Withdrawal (Indomart), Paywave VISA and
verifikasi biometric calon nasabah. MDIN - biometric verification of prospective customers.
e. Training/workshop & sosialisasi, dan sertifikasi profesi, e. Training/workshop & socialization, and professional
antara lain antara lain terkait dengan sertifikasi manajemen certification, among others related to risk management
risiko beserta resfreshment, sertifikasi treasury beserta certification along with refreshment, treasury certification
resfreshment, Sertifikasi Sistem Pembayaran dan Pengelolaan along with refreshment, Payment System Certification
Uang Rupiah (SPPUR), Sertifikasi Wakil Perantara Pedagang and Rupiah Currency Management (SPPUR), Securities
Efek (WPPE), Sertifikasi Asosiasi Asuransi Syariah Indonesia Broker Representative Certification (WPPE), Indonesian
(AASI), Campaign Terkait dengan Anti-Fraud, Mandatory Sharia Insurance Association (AASI) Certification, Campaign
Muamalat Internal Certification (MIC), Muamalat Associate Related to Anti-Fraud , Mandatory Muamalat Internal
Program (MAP) Wholesale Banking dan Small Medium Certification (MIC), Muamalat Associate Program (MAP)
Enterprise, program Muamalat internal certification yang Wholesale Banking and Small Medium Enterprise,
ditujukan untuk role Teller, CS dan Operation supervisor, Muamalat internal certification program aimed at Teller, CS
Coaching For Performance Retail Collection Leader dan Training and Operation supervisor roles, Coaching For Performance
Dirasah Islamiyah. Retail Collection Leader and Dirasah Islamiyah Training.
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 Risk
terkait yaitu Manajemen Risiko, Kepatuhan dan Legal serta 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 (RBB) dan Rencana Korporasi Bank The Bank's Business Plan (BBP) and the Bank's Muamalat
Muamalat telah disusun dan dikaji secara komprehensif Corporate Plan have been compiled and reviewed in a
dengan memperhatikan kondisi industri terkini, peluang comprehensive manner, taking into account the latest

bisnis, kekuatan yang dimiliki Bank serta kelemahan industry conditions, business opportunities, strengths of
dan ancaman yang akan dihadapi. Direksi Bank telah the Bank as well as weaknesses and threats to be faced. The
menyampaikan Rencana Bisnis Bank kepada pemegang Bank’s Board of Directors has submitted the Bank’s Business
saham melalui Rapat Umum Pemegang Saham Tahunan Plan to shareholders through the Annual General Meeting of
(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.
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 Syariah in accordance with the Fatwa issued by the National Sharia
Nasional-Majelis Ulama Indonesia (DSN-MUI). Setiap produk Board-Indonesian Ulama Council (DSN-MUI). Every product
dan aktivitas yang diterbitkan oleh Bank telah mendapat opini and activity issued by the Bank has received a sharia opinion
syariah dari Dewan Pengawas Syariah. Prosedur pelaksanaan from the Sharia Supervisory Board. The Standard Operating
(Standard Operating Procedures/SOP) dalam penghimpunan Procedures (SOP) in collecting funds, channelling funds, and
dana, penyaluran dana, dan pelayanan jasa Bank juga telah providing Bank services are also in accordance with sharia
sesuai dengan regulasi dan prinsip syariah. regulations and principles.
Secara umum rasio prudensial Bank telah sesuai dengan In general, the Bank's prudential ratios comply with the
ketentuan. Bank juga tidak melakukan pelanggaran dan/atau provisions. The Bank also does not violate and/or exceed
pelampauan Batas Maksimum Penyaluran Dana (BMPD). the Maximum Funds Distribution Limit (BMPD). The Bank
Bank telah melakukan upaya perbaikan kualitas data has made efforts to improve the quality of reporting data
pelaporan melalui project al-Basith sehingga diharapkan through the al-Basith project so that it is hoped that the
kualitas data pelaporan semakin membaik. quality of reporting data will improve.
Beberapa faktor dalam pelaksanaan GCG yang masih perlu Several factors in the implementation of GCG that still need
diperbaiki oleh PT Bank Muamalat Indonesia Tbk, antara lain: to be improved by PT Bank Muamalat Indonesia Tbk, include:
a. 2 (dua) orang anggota Dewan Komisaris yang diangkat a. 2 (two) members of the Board of Commissioners who were
melalui RUPSLB tanggal 29 November 2022 belum efektif appointed through the Extraordinary General Meeting of
menjabat. Shareholders on 29 November 2022 have not served effectively.
b. 2 (dua) orang anggota Direksi yang diangkat melalui b. 2 (two) members of the Board of Directors who were appointed
RUPSLB tanggal 29 November 2022 belum efektif through the Extraordinary General Meeting of Shareholders
menjabat, telah diajukan proses PKK ke OJK dan masih on November 29, 2022 have not served effectively, have been
dalam proses PKK oleh OJK. proposed FNP process to FSA and still in FNP process by OJK.
c. Keanggotaan Komite Pemantau Risiko masih kurang seorang c. The membership of the Risk Monitoring Committee still lacks
Pihak Independen yang ahli di bidang Perbankan Syariah. an Independent Party who is an expert in Sharia Banking.
d. Kualitas data pelaporan masih terus dipantau dan dijaga d. The quality of reporting data is still being monitored and
konsistensinya. maintained for consistency.
e. Perbaikan proses Tata Kelola perlu terus dilakukan e. Improvement of the Governance process needs to be
secara berkelanjutan. carried out on an ongoing basis.

Penerapan atas Pedoman Tata Kelola

Perusahaan Terbuka
Implementation of Corporate Governance Guidelines for
Public Companies
Berdasarkan Surat Edaran Otoritas Jasa Keuangan No. 32/ Based on the Circular Letter of the Financial Services
SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan Authority No. 32/SEOJK.04/2015 concerning Guidelines for
Terbuka sebagai standar penerapan GCG, Bank Muamalat Corporate Governance of Public Companies as a standard
mengimplementasikan dasar Pedoman Tata Kelola for implementing GCG, Bank Muamalat implements the
Perusahaan yang meliputi 5 (lima) aspek yang diturunkan ke basic Corporate Governance Guidelines which include 5
dalam 8 (delapan) prinsip dan 25 rekomendasi. Aspek-aspek (five) aspects which are derived into 8 (eight) principles and
dan prinsip-prinsip tersebut, adalah sebagai berikut: 25 recommendations. These aspects and principles are as
follows:
Prinsip Rekomendasi Penjelasan Rekomendasi OJK Penerapan di Bank Muamalat

Principle Recommendation Explanation of OJK Recommendations Application at Bank Muamalat
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham
Aspect 1: Public Company Relations with Shareholders in Guaranteeing Shareholders' Rights
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 melalui
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 tercapai,
suara dalam pengambilan keputusan atas keputusan RUPS adalah sah jika disetujui
suatu mata acara RUPS. Adapun prosedur lebih dari 1/2 (satu per dua) bagian dari
pengumpulan suara (voting) tersebut harus jumlah seluruh saham dengan hak suara
menjaga independensi ataupun kebebasan yang hadir dalam RUPS, kecuali peraturan
pemegang saham. Sebagai contoh, dalam perundang-undangan dan/atau Anggaran
pengumpulan suara (voting) secara terbuka Dasar menentukan bahwa keputusan
dilakukan dengan cara mengangkat tangan adalah sah jika disetujui oleh jumlah suara
sesuai dengan instruksi pilihan yang 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.


Principle 1: 1.1. Public companies Each share with voting rights issued has Has Been Applied
Increasing the have technical one voting right (one share one vote). The Bank already has provisions on
value of holding methods or Shareholders can use their voting rights procedures for making decisions through
a General procedures for voting, when making decisions, especially when voting at GMS, both open and closed which
Meeting of both open and closed, making decisions by voting. However, the prioritizes independence and the interests of
Shareholders which promote decision-making mechanism by means shareholders. These provisions are regulated
(GMS). independence. of open and closed voting has not been in the Bank's Articles of Association and GMS
regulated in detail. Implementation Procedures as follows:
1. GMS decisions are taken based on
Public companies are recommended to have deliberation to reach a consensus.
voting procedures in making decisions on a 2. In the event that a decision based on
GMS agenda. The voting procedure must deliberation to reach a consensus is not
maintain the independence or freedom reached, the GMS decision is valid if it is
of the shareholders. For example, in open approved by more than 1/2 (one half) of
voting, voting is carried out by raising hands the total number of shares with voting
in accordance with the choice instructions rights present at the GMS, except for
offered by the chairman of the GMS. statutory regulations and/or the Articles
Meanwhile, closed voting is carried out on of Association. The basis determines that
decisions that require confidentiality or a decision is valid if it is approved by a
at the request of shareholders, by using a greater number of affirmative votes.
voting card or by use of electronic voting. 3. Voting on individuals and voting on other
matters is regulated as follows:
a. person's self is carried out in writing
with a closed vote that is not signed;
b. regarding other matters carried out
verbally, unless the chairman of the
GMS determines otherwise without
any objections from 1 (one) or more
shareholders present at the GMS.
1.2. Seluruh anggota Anggota Dewan Komisaris Perusahaan Telah Diterapkan
Direksi dan anggota Terbuka bertujuan agar setiap anggota 1. RUPSLB pada 28 Februari 2022 dihadiri
Dewan Komisaris Direksi dan anggota Dewan Komisaris oleh 3 (tiga) orang anggota Dewan
Perusahaan Terbuka dapat memperhatikan, menjelaskan dan Komisaris dan 5 (lima) orang anggota
hadir dalam RUPS menjawab secara langsung permasalahan Direksi yang telah efektif menjabat. 2 (dua)
Tahunan. yang terjadi atau pertanyaan yang diajukan orang anggota Dewan Komisaris dan 1
oleh pemegang saham terkait mata acara (satu) orang anggota Direksi berhalangan
dalam RUPS. hadir.
2. RUPST dan RUPSLB pada 24 Juni 2022
dihadiri oleh 3 (tiga) orang anggota Dewan
Komisaris dan seluruh anggota Direksi
yang telah efektif menjabat. 3 (tiga) orang
anggota Dewan Komisaris berhalangan
hadir.
3. RUPSLB pada 29 November 2022 dihadiri
oleh 5 (lima) orang anggota Dewan
Komisaris dan 4 (empat) orang anggota
Direksi yang telah efektif menjabat. 1 (satu)
orang anggota Dewan Komisaris dan 2
(dua) orang angggota Direksi berhalangan
hadir.
1.2. All members of the Members of the Public Company Board Has Been Applied
Board of Directors of Commissioners aim that each member 1. The EGMS on 28 February 2022 was
and members of the Board of Directors and members attended by 3 (three) members of the
of the Public of the Board of Commissioners can pay Board of Commissioners and 5 (five)
Company's Board attention, explain and answer directly the members of the Board of Directors who
of Commissioners problems that occur or questions raised by have effectively served. 2 (two) members
attend the Annual shareholders regarding the agenda at the of the Board of Commissioners and 1 (one)
GMS. GMS. member of the Board of Directors were
unable to attend.
2. The AGMS and EGMS on 24 June 2022
were attended by 3 (three) members of the
Board of Commissioners and all members
of the Board of Directors who have
effectively served. 3 (three) members of
the Board of Commissioners were unable
to attend.
3. The EGM on 29 November 2022 was
attended by 5 (five) members of the Board
of Commissioners and 4 (four) members of
the Board of Directors who have effectively
served. 1 (one) member of the Board of
Commissioners and 2 (two) members of
the Board of Directors were unable to
attend.


1.3. Ringkasan risalah Perusahaan Terbuka wajib membuat Telah Diterapkan

RUPS tersedia ringkasan risalah RUPS dalam bahasa Bank memiliki ringkasan risalah RUPS atas
dalam Situs Web Indonesia dan bahasa asing (minimal dalam RUPS yang telah diselenggarakan, baik dalam
Perusahaan Terbuka bahasa Inggris), serta diumumkan 2 (dua) Bahasa Indonesia maupun Bahasa Inggris
paling sedikit selama hari kerja setelah RUPS diselenggarakan dan dapat diakses oleh masyarakat 2 (dua)
1 (satu) tahun kepada masyarakat, yang salah satunya hari kerja setelah pelaksanaan RUPS, salah
melalui situs web Perusahaan Terbuka. satunya adalah melalui Situs Web Bank (www.
Ketersediaan ringkasan risalah RUPS pada bankmuamalat.co.id) pada menu hubungan
situs web Perusahaan Terbuka memberikan investor-RUPS yang tersedia selama lebih dari
kesempatan bagi pemegang saham yang 1 (satu) tahun.
tidak hadir untuk mendapatkan informasi
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. A summary of the The Public Company is required to make Has Been Applied
minutes of the GMS a summary of the minutes of the GMS in The Bank has a summary of the minutes of
is available on the Indonesian and foreign languages (at least the GMS, for the GMS that has been held,
Public Company in English), and to be announced 2 (two) both in Indonesian and English and can be
Website for at least 1 working days after the GMS is held to the accessed by the public 2 (two) working days
(one) year public, one of which is through the Public after the GMS is held, one of which is through
Company's website. The availability of a the Bank's Website (www. bankmuamalat.
summary of the minutes of the GMS on co.id) on the investor relations-GMS menu
the Public Company's website provides an available for more than 1 (one) year.
opportunity for shareholders who are not
present to obtain important information
in holding the GMS easily and quickly.
Therefore, the provision regarding the
minimum period for the availability of a
summary of the minutes of the GMS on the
website is intended to provide sufficient time
for shareholders to obtain this information.
Prinsip 2: 2.1. PerusahaanTerbuka Adanya komunikasi antara Perusahaan Telah Diterapkan

Meningkatkan memiliki suatu Terbuka dengan pemegang saham atau Dalam kebijakan GCG diatur bahwa dalam
Kualitas kebijakan komunikasi investor dimaksudkan agar para pemegang hubungan dengan Pemegang Saham, Bank
Komunikasi dengan pemegang saham atau investor mendapatkan Muamalat Indonesia senantiasa mendorong
Perusahaan saham atau investor. pemahaman lebih jelas atas informasi yang penerapannya berdasarkan ketentuan
Terbuka dengan telah dipublikasikan kepada masyarakat, sebagai berikut:
Pemegang seperti laporan berkala, keterbukaan 1. Melindungi hak-hak Pemegang Saham
Saham informasi, kondisi atau prospek bisnis sesuai dengan peraturan perundang-
atau Investor. dan kinerja, serta Pelaksanaan Tata Kelola undangan dan Anggaran Dasar Bank;
Perusahaan Terbuka. Di samping itu, 2. Menyelenggarakan Daftar Pemegang
pemegang saham atau investor juga dapat Saham secara tertib dan teratur sesuai
menyampaikan masukan dan opini kepada dengan peraturan perundang-undangan
manajemen Perusahaan Terbuka. Kebijakan dan Anggaran Dasar Bank;
komunikasi dengan para pemegang saham 3. Menyediakan informasi mengenai Bank
atau investor menunjukkan komitmen secara tepat waktu, benar, dan teratur bagi
Perusahaan Terbuka dalam melaksanakan seluruh Pemegang Saham, kecuali hal-hal
komunikasi dengan para pemegang saham yang bersifat rahasia; dan
atau investor. Dalam kebijakan tersebut 4. Memberikan penjelasan yang lengkap
dapat mencakup strategi, program, dan dan informasi yang akurat mengenai
waktu pelaksanaan komunikasi, serta penyelenggaraan RUPS.
panduan yang mendukung pemegang
saham atau investor untuk berpartisipasi Bank Muamalat Indonesia melakukan
dalam komunikasi tersebut. 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, akun sosial media Bank
Muamalat, SalaMuamalat, dan melalui surat
menyurat.


Principle 2: 2.1. The Public Company Communication between a Public Company Has Been Applied
Improving the has a communication and shareholders or investors is intended so The GCG policy stipulates that in relation to
Quality of Public policy with that shareholders or investors get a clearer Shareholders, Bank Muamalat Indonesia
Company’s shareholders or understanding of the information that has always encourages its implementation based
Communication investors. been published to the public, such as periodic on the following provisions:
with reports, information disclosure, business 1. Protecting the rights of Shareholders in
Shareholders or and performance conditions or prospects, accordance with laws and regulations and
Investors. and Implementation of Public Company the Articles of Association of the Bank;
Governance. In addition, shareholders 2. Organize the Register of Shareholders in an
or investors can also submit input and orderly and regular manner in accordance
opinions to the management of the Public with laws and regulations and the Articles
Company. The communication policy with of Association of the Bank;
shareholders or investors shows the Public 3. Providing information regarding the Bank
Company's commitment to communicating in a timely, correct and orderly manner for
with shareholders or investors. The policy all Shareholders, except for confidential
may include strategies, programs and timing matters; And
of communications, as well as guidelines 4. Provide a complete explanation and
that support shareholders or investors to accurate information regarding the
participate in these communications. implementation of the GMS.
Bank Muamalat Indonesia communicates

with shareholders through communication
media including through the General Meeting
of Shareholders (GMS), the Bank's website
(www.bankmuamalat.co.id), e-mail helpdesk:
investor.relations@bankmuamalat.co.id,
Bank Muamalat's social media accounts,
SalaMuamalat, and through correspondence.
2.2. Perusahaan Terbuka Pengungkapan kebijakan komunikasi Telah Diterapkan
mengungkapkan merupakan bentuk transparansi atas Bank telah menyediakan mekanisme
kebijakan komunikasi komitmen Perusahaan Terbuka dalam komunikasi antara Pemegang Saham dengan
Perusahaan Terbuka memberikan kesetaraan kepada semua Bank sebagaimana dijelaskan pada website
dengan pemegang pemegang saham atau investor atas Bank.
saham atau investor pelaksanaan komunikasi. Pengungkapan
dalam Situs Web. informasi tersebut juga bertujuan untuk
peningkatkan partisipasi dan peran
pemegang saham atau investor dalam
pelaksanaan program komunikasi
Perusahaan Terbuka.
2.2. The Public Listed The disclosure of the communication Has Been Applied
Company discloses its policy is a form of transparency on the The Bank has provided a communication
communication policy commitment of the Public Listed Company mechanism between Shareholders and the
with shareholders in providing equality to all shareholders Bank as described on the Bank's website.
or investors on its or investors on the implementation
Website. of communication.provide equality to
all shareholders or investors on the
implementation of communication. provide
equality to all shareholders or investors
on the implementation of communication.
The disclosure of such information also
aims to increase the participation and
role of shareholders or investors in the
implementation of the communication
program. communication program of the
Public Listed Company.


Aspek 2: Fungsi dan Peran Dewan Komisaris

Aspect 2: Function and Role of the Board of Commissioners
Prinsip 3: 3.1. Penentuan Jumlah anggota Dewan Komisaris dapat Telah Diterapkan
Memperkuat jumlah anggota mempengaruhi efektivitas pelaksanaan Hingga berakhirnya tahun buku 2022, jumlah
Keanggotaan dan Dewan Komisaris tugas dari Dewan Komisaris. Penentuan anggota Dewan Komisaris adalah 5 (lima)
Komposisi mempertimbangkan jumlah anggota Dewan Komisaris orang di mana 4 (empat) orang anggota Dewan
Dewan kondisi Perusahaan Perusahaan Terbuka wajib mengacu kepada Komisaris merupakan Komisaris Independen.
Komisaris. Terbuka. ketentuan peraturan perundang-undangan Penentuan jumlah anggota Dewan Komisaris
yang berlaku, yang paling kurang terdiri tersebut telah memenuhi regulasi dan
dari 2 (dua) orang berdasarkan ketentuan mempertimbangkan karakteristik, kapasitas,
peraturan OJK tentang Direksi dan Dewan ukuran, dan komposisi terhadap Direksi
Komisaris Emiten atau Perusahaan Publik. serta pencapaian tujuan dan pemenuhan
Selain itu, perlu juga mempertimbangkan kebutuhan bisnis Bank.
kondisi Perusahaan Terbuka yang antara
lain yang meliputi karakteristik, kapasitas,
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 Applied
Strengthening number of members Commissioners may affect the effectiveness Until the end of the financial year 2022,
the Membership of the Board of of the implementation of the duties of the the Board of Commissioners consists of 5
and Composition Commissioners Board of Commissioners. The determination (five) members, of which 4 (four) members
of the Board of considers the of the number of members of the Board of are Independent Commissioners. The
Commissioners. condition of the Commissioners of a Public Company shall determination of the number of members
Public Listed refer to the provisions of the prevailing laws of the Board of Commissioners has
Company. and regulations, which shall consist of at complied with regulations and considered
least 2 (two) persons based on the provisions the characteristics, capacity, size, and
of OJK regulations on the Board of Directors composition of the Board of Directors as
and Board of Commissioners of Issuers well as the achievement of objectives and
or Public Companies. Commissioners of fulfillment of the Bank's business needs.
Issuers or Public Companies. In addition, it
is also necessary to consider conditions of
the Public Listed Company which include,
among others, characteristics, capacity, and
size, as well as achievement of objectives
and fulfillment of business needs that
differ among Public Listed Companies.
However, too large a number of members
of the Board of Commissioners has the
potential to disrupt the effectiveness
of the implementation of the Board of
Commissioners' functions.
3.2. Penentuan Komposisi Dewan Komisaris merupakan Telah Diterapkan
komposisi anggota kombinasi karakteristik baik dari segi Komposisi anggota Dewan Komisaris telah
Dewan Komisaris organ Dewan Komisaris maupun anggota memperhatikan keberagaman keahlian,
memperhatikan Dewan Komisaris secara individu, sesuai pengetahuan, dan pengalaman yang
keberagaman dengan kebutuhan Perusahaan Terbuka. dibutuhkan di mana keberagaman tersebut
keahlian, Karakteristik tersebut dapat tercermin tercermin dari keahlian dan pengalaman
pengetahuan, dan dalam penentuan keahlian, pengetahuan, yang dimiliki masing-masing anggota Dewan
pengalaman yang dan pengalaman yang dibutuhkan dalam Komisaris.
dibutuhkan. pelaksanaan tugas pengawasan dan
pemberian nasihat oleh Dewan Komisaris Anggota Dewan Komisaris memiliki keahlian
Perusahaan Terbuka. Komposisi yang telah pada bidang:
memperhatikan kebutuhan Perusahaan • Perbankan syariah
Terbuka merupakan suatu hal yang • Industri keuangan
positif, khususnya terkait pengambilan • Manajemen strategis
keputusan dalam rangka pelaksanaan • Tata Kelola Perusahaan
fungsi pengawasan yang dilakukan dengan • Hukum
mempertimbangkan berbagai aspek yang
lebih luas.


3.2. Determination of The composition of the BOC is a combination Has been Applied
the composition of characteristics both in terms of the BOC The composition of the Board of
of the Board of organ and individual members of the BOC, Commissioners has taken into account
Commissioners in accordance with the needs of the Public the diversity of expertise, knowledge, and
takes into account Listed Company. Such characteristics may be experience required where such diversity is
the diversity of reflected in the determination of expertise, reflected in the expertise and experience of
expertise, knowledge, knowledge, and experience required in the each member of the Board of Commissioners.
and experience implementation of supervisory and advisory Members of the Board of Commissioners
required. duties by the Board of Commissioners of a have expertise in:
Public Listed Company. The composition • Islamic banking
that has taken into account the needs of the • Financial industry
Public Listed Company is a positive thing, • Strategic management
especially related to decision making in the • Corporate Governance
context of implementing the supervisory • Law
function which is carried out by considering
a wider range of aspects.
Prinsip 4: 4.1. Dewan Komisaris Kebijakan penilaian sendiri (self- assessment) Telah Diterapkan
Meningkatkan mempunyai kebijakan Dewan Komisaris merupakan suatu Dewan Komisaris telah memiliki kebijakan
kualitas penilaian sendiri pedoman yang digunakan sebagai bentuk penilaian sendiri (self-assessment) sebagai
Pelaksanaan (selfassessment) untuk akuntabilitas atas penilaian kinerja Dewan mekanisme penilaian kinerja Dewan
Tugas dan menilai kinerja Dewan Komisaris secara kolegial. Self-assessment Komisaris.
Tanggung Jawab Komisaris. atau penilaian sendiri dimaksud dilakukan
Dewan oleh masing-masing anggota untuk menilai
Komisaris. 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.
Principle 4: 4.1. The BOC has a The Board of Commissioners' self- Has been Applied
Improve quality self-assessment assessment policy is a guideline used as a The Board of Commissioners has a self-
Implementation policy to assess the form of accountability for the assessment of assessment policy as a mechanism for
Duties and performance of the the Board of Commissioners' performance. assessing the performance of the Board of
Responsibility BOC. guidelines used as a form of accountability Commissioners.
Board of for the performance assessment of the
Commissioners. BOC collegially. Commissioners collegially.
Self-assessment is conducted by each
member to assess the performance of the
Board of Commissioners. by each member
to assess the performance of the Board of
Commissioners collegially, and not to assess
the individual performance of each member
of the Board of Commissioners. With this
self-assessment It is expected that each
member of the Board of Commissioners can
contribute to improve the performance of
the Board of Commissioners on an ongoing
basis. The policy can include the assessment
activities carried out along with the purpose
and objectives, the time of periodic periodic
implementation, and the benchmarks or
assessment criteria used in accordance
with the recommendations given by the
nomination and remuneration function of
the Public Company, where the existence
of such function has been required in the
OJK Regulation on the Nomination and
Remuneration Committee of Issuers or
Public Companies. Public Company.


4.2. Kebijakan penilaian Pengungkapan kebijakan self-assessment Telah Diterapkan

sendiri (self atas kinerja Dewan Komisaris dilakukan tidak Kebijakan penilaian sendiri (self-assessment)
assessment) untuk hanya untuk memenuhi aspek transparansi untuk menilai kinerja Dewan Komisaris telah
menilai kinerja sebagai bentuk pertanggungjawaban atas diungkapkan dalam Laporan Tahunan Bank.
Dewan Komisaris, pelaksanaan tugasnya, namun juga, untuk
diungkapkan melalui memberikan keyakinan khususnya kepada
Laporan Tahunan para pemegang saham atau investor atas
PerusahaanTerbuka. 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 Applied
policy to assess on the performance of the Board of The self-assessment policy to assess the
the performance Commissioners is carried out not only to performance of the Board of Commissioners
of the Board of comply with the transparency aspect as a has been disclosed in the Bank's Annual
Commissioners is form of accountability for the implementation Report.
disclosed in the of its duties, but also, to provide confidence,
Company's Annual especially to shareholders or investors
Report. on the efforts that need to be made in
improving the performance of the Board
of Commissioners. With this disclosure,
shareholders or investors are aware
of the check and balance mechanism
on the performance of the Board of
Commissioners.
4.3. Dewan Komisaris Pengungkapan kebijakan self-assessment Telah Diterapkan
mempunyai kebijakan atas kinerja Dewan Komisaris dilakukan tidak Dalam Board Manual Dewan Komisaris Bank
terkait pengunduran hanya untuk memenuhi aspek transparansi Muamalat Indonesia di bab Etika Berkaitan
diri anggota Dewan sebagai bentuk pertanggungjawaban atas dengan Penyuapan dan Kejahatan Keuangan
Komisaris apabila pelaksanaan tugasnya, namun juga, untuk diatur bahwa anggota Dewan Komisaris yang
terlibat dalam memberikan keyakinan khususnya kepada terlibat dalam tindak kejahatan keuangan
kejahatan keuangan. para pemegang saham atau investor atas sebagai status terpidana maka harus
upaya- upaya yang perlu dilakukan dalam mengundurkan diri dari jabatan sebagai
meningkatkan kinerja Dewan Komisaris. anggota Dewan Komisaris.
Dengan adanya pengungkapan tersebut
pemegang saham atau investor mengetahui
mekanisme check and balances terhadap
kinerja Dewan Komisaris.
4.3. The Board of The disclosure of the self-assessment Has been Applied
Commissioners has policy on the performance of the Board of In the Board Manual of the Board of
a policy regarding Commissioners is carried out not only to Commissioners of Bank Muamalat Indonesia
the resignation fulfill the transparency aspect as a form of in the chapter on Ethics Relating to Bribery
of members of accountability for the implementation of and Financial Crimes. Bribery and Financial
the Board of its duties, but also, to provide confidence, Crimes stipulates that members of the
Commissioners if especially to shareholders or investors Board of Commissioners who are involved
involved in financial on the efforts that need to be made in financial crimes as convicted status must
crimes. in the performance of the Board of resign from their position as members of the
Commissioners. shareholders or investors Board of Commissioners.
on the efforts that need to be made in
improving the performance of the Board of
Commissioners. improve the performance
of the Board of Commissioners. With
this disclosure, shareholders or investors
are aware of the checks and balances
mechanism on the performance of the
Board of Commissioners.


4.4. Dewan Komisaris Berdasarkan ketentuan Peraturan OJK Telah Diterapkan

atau Komite yang tentang Komite Nominasi dan Remunerasi Bank telah memiliki dan menerapkan
menjalankan Emiten atau Perusahaan Publik, komite yang program Talent Management dan Succession
fungsi Nominasi menjalankan fungsi nominasi mempunyai Plan. Program Talent Management bertujuan
dan Remunerasi tugas untuk menyusun kebijakan dan untuk mempersiapkan Pool of Talent dari Bank
menyusun kebijakan kriteria yang dibutuhkan dalam proses sebagai upaya menyediaan dan penguatan
suksesi dalam proses nominasi calon anggota Direksi. Salah satu Sumber Daya Insani di Bank. Suksesi
Nominasi anggota kebijakan yang dapat mendukung proses diterapkan untuk penyiapan kader-kader
Direksi nominasi sebagaimana dimaksud adalah terbaik dari Pool of Talent Bank yang siap
kebijakan suksesi anggota Direksi. Kebijakan menduduki posisi-posisi kritikal termasuk
mengenai suksesi bertujuan untuk menjaga posisi Pejabat Eksekutif Bank. Bank telah
kesinambungan proses regenerasi atau memiliki database Pool of Talent dan Successor
kaderisasi kepemimpinan di perusahaan berdasarkan proses identifikasi talent dan
dalam rangka mempertahankan suksesor dengan menggunakan metodologi
keberlanjutan bisnis dan tujuan jangka 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. The Board of Based on the provisions of the OJK Has been Applied
Commissioners Regulation on the Nomination and The Bank has established and implemented a
or the Committee Remuneration Committee of Issuers or Talent Management program and Succession
that carries out Public Companies, the committee that carries Plan. The Talent Management program
the Nomination out the nomination function has the duty to aims to prepare the Bank's Pool of Talent
and Remuneration formulate policies and criteria required in as an effort to provide and strengthen the
function prepares the nomination process of candidates for Bank's Human Resources. Succession is
a succession policy the Board of Directors. criteria required in implemented to prepare the best cadres
in the process of the nomination process of candidates for from the Bank's Pool of Talent who are ready
nominating members members of the Board of Directors. One of to occupy critical positions including the
of the Board of the policies that can support the nomination position of Executive Officer of the Bank. The
Directors. process as intended is the succession policy Bank has a database of Pool of Talent and
for members of the Board of Directors. The Successors based on the talent and successor
policy on succession aims to maintain the identification process using a methodology
continuity of the regeneration process or prepared by the Bank.
leadership regeneration in the company in
order to maintain business sustainability Validation and calibration processes are
and long-term goals of the company. 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 Heads. This database is
updated annually and serves as a reference
for management in conducting employee
rotations and promotions as well as for
nomination needs for strategic positions
including the Board of Directors.
Aspek 3: Fungsi dan Peran Direksi
Aspect 3: Function and Role 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 Komposisi Direksi telah sesuai dengan
Keanggotaan mempertimbangkan jumlah Direksi sangat mempengaruhi regulasi dan telah mempertimbangkan
dan Komposisi kondisi Perusahaan jalannya kinerja Perusahaan Terbuka. karakteristik, kapasitas, dan skala usaha
Direksi. Terbuka serta Dengan demikian, penentuan jumlah Bank. Per Desember 2022, jumlah Direksi
efektivitas dalam anggota Direksi harus dilakukan melalui sebanyak 5 (lima) orang dengan pembagian
pengambilan pertimbangan yang matang dan wajib tugas sebagai Direktur Utama, Direktur
keputusan. mengacu pada ketentuan Peraturan Kepatuhan, Risiko dan Hukum, Direktur
Perundang-undangan yang berlaku, di Risiko Bisnis Pembiayaan, Direktur Keuangan
mana berdasarkan Peraturan OJK tentang & Strategi, serta Direktur Operasi & Digital.
Direksi dan Dewan Komisaris Emiten Direksi memiliki keahlian dan pengalaman
atau Perusahaan Publik paling sedikit yang sesuai dengan bidang tugasnya masing-
terdiri dari 2 (dua) orang. Di samping masing.
itu, dalam penentuan jumlah Direksi
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. The determination As a corporate organ authorized to Has been Applied
Strengthen of the number of manage the company, the determination The composition of the Board of Directors is
Membership and members of the of the number of members of the Board of in accordance with the regulations and has
Composition Board of Directors Directors greatly affects the performance considered the characteristics, capacity, and
Board of takes into account of the Public Listed Company. Thus, the scale of the Bank's business. As of December
Directors. the condition of determination of the number of members 2022, the number of Directors as many as
the Public Listed of the Board of Directors must be made 5 (five) people with the division of duties as
Company as well as through careful consideration and must President Director, Compliance, Risk and Legal
the effectiveness in refer to the provisions of the prevailing Director, Financing Business Risk Director,
decision making. laws and regulations. Where based on OJK Finance & Strategy Director, and Operation
Regulation on the Board of Directors and & Digital Director. The Board of Directors has
Board of Commissioners of Issuers or Public expertise and experience in accordance with
Companies, the Board of Directors must their respective fields of work.
consist of at least 2 members. or Public
Company shall consist of at least 2 (two)
persons. In addition, the determination
of the number of Directors must be based
on the need to achieve the purposes and
objectives of the Public Company and
adjusted to the conditions of the Public
Company, including the characteristics,
capacity and capacity of the Public Company.
conditions of the Public Listed Company,
including the characteristics, capacity and
size of the Public Listed Company, as well as
how to achieve effective decision-making. as
well as how to achieve the effectiveness of
the Board of Directors' decision making.
5.2 Penentuan komposisi Seperti halnya Dewan Komisaris, Telah Diterapkan
anggota Direksi keberagaman komposisi anggota Direksi Komposisi anggota Direksi telah
memperhatikan, merupakan kombinasi karakteristik yang memperhatikan keberagaman keahlian,
keberagaman diinginkan baik dari segi organ Direksi pengetahuan, dan pengalaman yang
keahlian, maupun anggota Direksi secara individu, dibutuhkan sesuai pembagian fungsi, tugas
pengetahuan, dan sesuai dengan kebutuhan Perusahaan dan wewenang Direksi dalam mencapai
pengalaman yang Terbuka. Kombinasi tersebut ditentukan tujuan Bank.
dibutuhkan. dengan cara memperhatikan keahlian,
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 the Similar to the Board of Commissioners, the Has been Applied
composition of the diversity of the composition of the Board The composition of members of the Board of
Board of Directors of Directors is a desirable combination of Directors has taken into account the diversity
takes into account characteristics both in terms of the Board of of expertise, knowledge, and experience
the diversity of Directors organ and individual members of required in accordance with the division of
skills, knowledge the Board of Directors, in accordance with functions, duties and authorities of the Board
and experience the needs of the Public Listed Company. of Directors in achieving the objectives of the
required. The combination is determined by taking Bank.
into account the appropriate expertise,
knowledge, and experience in the division
of duties and functions of the Board of
Directors in achieving the objectives of the
Public Listed Company. Thus, consideration
of the combination of these characteristics
will have an impact on the accuracy of the
nomination and appointment process
of individual members of the Board of
Directors or the Board of Directors as a
collegial body.


5.3. Anggota Direksi yang Laporan Keuangan merupakan laporan Telah Diterapkan
membawahi bidang pertanggungjawaban manajemen atas Direktur yang membawahi bidang akuntansi
akuntansi atau pengelolaan sumber daya yang dimiliki oleh atau keuangan memiliki latar belakang
keuangan memiliki Perusahaan Terbuka, yang wajib disusun pendidikan dan pengalaman kerja di bidang
keahlian dan/atau dan disajikan sesuai dengan Standar akuntansi dan keuangan serta meraih gelar
pengetahuan di Akuntansi Keuangan yang berlaku umum Sarjana Ekonomi (Accounting) di Universitas
bidang akuntansi. di Indonesia dan juga peraturan OJK terkait, Indonesia (2002) dan Master of Islamic
antara lain peraturan perundang-undangan Banking and Finance di Universitas Indonesia
di sektor Pasar Modal yang mengatur (2009).
mengenai penyajian dan pengungkapan
Laporan Keuangan Perusahaan Terbuka. Beliau memiliki pengalaman berkarir sebagai
Berdasarkan peraturan perundang- Senior Vice President/Group Head Corporate
undangan di sector pasar modal yang Transformation Office PT Bank Syariah
mengatur mengenai tanggung jawab Direksi Indonesia Tbk (2021), Group Head/Senior Vice
atas Laporan Keuangan, Direksi secara President, Corporate Transformation PT Bank
tanggung renteng bertanggung jawab atas Syariah Mandiri (2019 - 2021), Group Head/
Laporan Keuangan, yang ditandatangani Senior Vice President, Accounting Group
Direktur Utama dan anggota Direksi PT Bank Syariah Mandiri (November 2014
yang membawahi bidang akuntansi atau -Januari 2019) sebelum menjabat sebagai
keuangan. Dengan demikian, pengungkapan Direktur Keuangan Bank Muamalat yang
dan penyusunan informasi keuangan yang diangkat melalui RUPS Luar Biasa tanggal 29
disajikan dalam laporan keuangan akan November 2022.
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.


5.3. Members of the Financial Statements are accountability Has been Applied
Board of Directors in reports of management's accountability for The Director in charge of accounting or
charge of accounting the management of resources owned by finance has an educational background
or finance have the Public Listed Company, which must be and work experience in accounting and
expertise and/ prepared and presented in accordance with finance and holds a Bachelor of Economics
or knowledge in Financial Accounting Standards generally (Accounting) at the University of Indonesia
accounting. accepted in Indonesia as well as relevant OJK (2002) and a Master of Islamic Banking and
regulations, including laws and regulations Finance at the University of Indonesia (2009).
in the Capital Market sector governing the
presentation and disclosure of Public Listed He has career experience as Senior
Company Financial Statements. Financial Vice President/Group Head Corporate
Statements of Public Listed Companies. Transformation Office PT Bank Syariah
Based on the laws and regulations in Indonesia Tbk (2021), Group Head/Senior Vice
the capital market sector governing the President, Corporate Transformation PT Bank
responsibility of the Board of Directors Syariah Mandiri (2019 - 2021), Group Head/
for the Financial Statements, the Board of Senior Vice President, Accounting Group
Directors is jointly and severally responsible PT Bank Syariah Mandiri (November 2014
for the Financial Statements, signed by the - January 2019) before serving as Finance
President Director and the member of the Director of Bank Muamalat which was
Board of Directors in charge of accounting appointed through the Extraordinary GMS on
or finance. accounting or finance. As such, November 29, 2022.
the disclosure and preparation of financial
information presented in the financial
statements will be highly dependent
on the expertise, and/or knowledge of
the Board of Directors, particularly the
member 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 is
at least owned by members of the Board
of Directors can provide confidence in the
preparation of the Financial Statements,
so that the Financial Statements can be
relied upon by stakeholders. can be relied
upon by stakeholders as the basis for
making economic decisions related to
the Public Company. economic decisions
related to the Public Listed Company.
Such expertise and/or knowledge may be
evidenced by educational background,
training certification and/or related work
experience.
Prinsip 6: 6.1. Direksi mempunyai Seperti halnya pada Dewan Komisaris, Telah Diterapkan
Meningkatkan kebijakan penilaian kebijakan penilaian sendiri (self-assessment) Direksi memiliki kebijakan penilaian sendiri
Kualitas sendiri (self Direksi merupakan suatu pedoman yang (self-assessment) untuk menilai kinerja Direksi
Pelaksanaan assessment) untuk digunakan sebagai bentuk akuntabilitas atas secara kolegial. Selain itu self-assessment
Tugas dan menilai kinerja penilaian kinerja Direksi secara kolegial. Self- kinerja Direksi juga dilakukan secara berkala
Tanggung Jawab Direksi. assessment atau penilaian sendiri dimaksud terhadap governance structure, process dan
Direksi. dilakukan oleh masing- masing anggota outcome di level Direksi. Berdasarkan hasil
Direksi untuk menilai pelaksanaan kinerja self-assessment tersebut telah dilakukan
Direksi secara kolegial, dan bukan menilai upaya-upaya yang perlu ditingkatkan untuk
kinerja individual masing-masing anggota peningkatan kinerja ke depan.
Direksi. Dengan adanya self-assessment ini
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 BOD has a As with the Board of Commissioners, the Has been Applied
Improve Quality self-assessment Board of Directors' self-assessment policy is The Board of Directors has a self-assessment
Implementation policy to assess the a guideline used as a form of accountability policy to assess the performance of the
Duties and performance of the for the assessment of the Board of Directors' Board of Directors collegially. In addition,
Responsibility BOD. performance collegially. The self-assessment self-assessment of the performance of
Board of is conducted by each member of the Board the BOD is also conducted periodically on
Directors. of Directors to assess the performance of governance structure, process and outcome
the Board of Directors collegially, and not at the BOD level. Outcome at the Board of
to assess the individual performance of Directors level. Based on the results of the
each member of the Board of Directors. self-assessment, efforts have been made to
With this self-assessment, it is expected that improve performance in the future.
each member of the Board of Directors can
contribute to improving the performance of
the Board of Directors on an ongoing basis.
The policy may include the assessment

activities carried out along with the
purpose and objectives, the periodic
implementation time, and the benchmarks
or assessment criteria used in accordance
with the recommendations provided
by the nomination and remuneration
function of the Public Company, where
the establishment of such function has
been required in the OJK regulation on the
of Issuers or Public Companies.
6.2. Kebijakan penilaian Pengungkapan kebijakan self-assessment Telah Diterapkan
sendiri (self atas kinerja Direksi dilakukan tidak hanya Kebijakan self-assessment atas kinerja Direksi
assessment) untuk untuk memenuhi aspek transparansi diungkapkan dalam bagian Penilaian Kinerja
menilai kinerja Direksi sebagai bentuk pertanggungjawaban Direksi di Laporan Tahunan.
diungkapkan melalui atas pelaksanaan tugasnya, namun juga
laporan tahunan untuk memberikan informasi penting atas
Perusahaan Terbuka. upaya-upaya perbaikan dalam pengelolaan
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 Disclosure of the self-assessment policy Has been Applied
policy to assess the on the performance of the Board of The self-assessment policy on the
performance of the Directors is carried out not only to fulfill performance of the Board of Directors
Board of Directors the transparency aspect as a form of is disclosed in the Board of Directors
is disclosed in the accountability for the implementation of Performance Assessment section of the
annual report of its duties, but also to provide important Annual Report.
the Public Listed information on improvement efforts in the
Company. management of the Public Listed Company.
Such information is very useful to provide
confidence to shareholders or investors
that there is certainty that the management
of the company continues to be carried out
in a better direction. With such disclosure,
shareholders or investors are aware of the
checks and balances mechanism on the
performance of the Board of Directors.


6.3. Direksi mempunyai Kebijakan pengunduran diri anggota Telah Diterapkan

kebijakan terkait Direksi yang terlibat dalam kejahatan Dalam ketentuan Internal: Board Manual
pengunduran diri keuangan merupakan kebijakan yang dapat Direksi Bank Muamalat Indonesia dalam bab
anggota Direksi meningkatkan kepercayaan para pemangku Etika Berkaitan dengan Penyuapan dan
apabila terlibat dalam kepentingan terhadap Perusahaan Terbuka, Kejahatan Keuangan bagi Direksi antara lain
kejahatan keuangan. sehingga integritas perusahaan akan tetap diatur bahwa:
terjaga. Kebijakan ini diperlukan untuk 1. Direksi dilarang melakukan tindakan
membantu kelancaran proses hukum manipulasi dan berbagai bentuk
dan agar proses hukum tersebut tidak penggelapan dalam kegiatan jasa
mengganggu jalannya kegiatan usaha. Selain keuangan serta tindakan pidana pencucian
itu, dari sisi moralitas, kebijakan ini akan uang sebagaimana dimaksud UU No. 8
membangun budaya beretika di lingkungan Tahun 2010 tentang Pencegahan dan
Perusahaan Terbuka. Kebijakan tersebut Pemberantasan Tindak Pencucian Uang.
dapat tercakup dalam Pedoman ataupun 2. Anggota Direksi yang terlibat dalam
Kode Etik yang berlaku bagi Direksi. tindak kejahatan keuangan sebagai status
terpidana, maka harus mengundurkan diri
dari jabatan sebagai anggota Direksi.
6.3. The Board of Policy on the resignation of members Board Has been Applied
Directors has a of Directors member who is involved in In Internal provisions: The Board Manual
policy regarding financial crime financial crimes is a policy of Bank Muamalat Indonesia in the chapter
the resignation of that can increase the stakeholders' trust Ethics Relating to Bribery and Financial
members of the in stakeholders' trust in the Public Listed Crimes for Directors, among others, stipulates
Board of Directors if Company, so that the integrity of the Financial Crimes for Directors, among others,
they are involved in company will be maintained. This policy stipulates that:
financial crimes. is necessary to help smooth the legal 1. The Board of Directors is prohibited from
process and so that the legal process does committing acts of manipulation and
not interfere with the course of business various forms of embezzlement in financial
activities. In addition, in terms of morality, services activities and money laundering
this policy will build an ethical culture within criminal acts as referred to in Law No.
the Public Listed Company. The policy may 8 of 2010 concerning Prevention and
be included in the Guidelines or Code of Eradication of Money Laundering.
Ethics applicable to the Board of Directors. 2. Members of the Board of Directors who are
involved in financial crimes as convicted
status, must resign from their position as
members of the Board of Directors.
Aspek 4: Partisipasi Pemangku Kepentingan
Aspect 4: Stakeholder Participation
Prinsip 7: 7.1. Perusahaan Terbuka Seseorang yang mempunyai informasi Telah Diterapkan
Meningkatkan memiliki kebijakan orang dalam dilarang melakukan suatu Kebijakan GCG Bank mengatur bahwa Bank
Aspek Tata Kelola untuk mencegah transaksi efek dengan menggunakan senantiasa menyediakan informasi yang
Perusahaan terjadinya insider informasi orang dalam sebagaimana cukup, akurat, dipercaya dan tepat waktu
melalui trading. dimaksud dalam Undang-Undang mengenai kepada segenap pemangku kepentingan
Partisipasi Pasar Modal. Perusahaan Terbuka dapat dengan mengedepankan prinsip equal/
Pemangku meminimalisir terjadinya insider trading treatment.
Kepentingan. tersebut melalui kebijakan pencegahan,
misalnya dengan memisahkan secara tegas Jajaran Bank dilarang untuk membeli atau
data dan/atau informasi yang bersifat menjual saham (common stock) atau surat
rahasia dengan informasi yang bersifat berharga Bank lainnya pada saat yang
publik, serta membagi tugas dan tanggung bersangkutan bertanggung jawab atas
jawab atas pengelolaan informasi dimaksud informasi penting yang tidak dimaksudkan
secara proporsional dan efisien. 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. Public Listed A person who has inside information is Has been Applied
Improving Company has a policy prohibited from conducting a securities The Bank's GCG policy stipulates that the Bank
Aspects of to prevent insider transaction by using inside information as always provides sufficient, accurate, reliable
Corporate trading. referred to in the Law on Capital Market. and timely information to all stakeholders by
Governance Public Listed Company may minimize the prioritizing the principle of equal treatment.
through occurrence of insider trading through treatment principle.
Stakeholder prevention policy, for example, by strictly
Participation separating confidential data and/or The Bank's personnel are prohibited from
Stakeholders. information from public information, as buying or selling shares (common stock)
well as dividing duties and responsibilities or other securities of the Bank when they
between the two. public, as well as are responsible for important information
dividing duties and responsibilities for that is not intended for public consumption
the management of such information that may affect the price value of the Bank's
proportionally and efficiently. shares and securities.
For information, Bank Muamalat Indonesia

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


7.3. Perusahaan Terbuka Kebijakan tentang seleksi pemasok atau Telah Diterapkan
memiliki kebijakan vendor bermanfaat untuk memastikan Kebijakan GCG mengatur bahwa Bank dalam
tentang seleksi agar Perusahaan Terbuka memperoleh berinteraksi dengan Penyedia Barang/Jasa
dan peningkatan barang atau jasa yang diperlukan dengan antara lain dengan pemasok dan pihak lain
kemampuan harga yang kompetitif dan kualitas yang yang melakukan transaksi usaha dengan
pemasok atau baik. Sedangkan kebijakan peningkatan Bank senantiasa menjalin hubungan baik
vendor. kemampuan pemasok atau vendor didasarkan atas dasar profesionalisme
bermanfaat untuk memastikan bahwa rantai kepercayaan, kejujuran, saling menghormati
pasokan (supply chain) berjalan dengan dan memberi kesempatan yang sama dalam
efisien dan efektif. Kemampuan pemasok memperoleh informasi yang relevan sesuai
atau vendor dalam memasok/memenuhi hubungan bisnis dengan Perseroan sehingga
barang atau jasa yang dibutuhkan masing-masing pihak dapat membuat
perusahaan akan mempengaruhi kualitas keputusan atas dasar pertimbangan yang adil
output perusahaan. dan wajar. Dalam menjalin hubungan antara
Bank dengan penyedia barang/jasa, seluruh
Pelaksanaan kebijakan-kebijakan tersebut pihak berkewajiban untuk merahasiakan
dapat menjamin kontinuitas pasokan, baik informasi dan melindungi kepentingan
dari segi kuantitas maupun kualitas yang masing-masing pihak.
dibutuhkan Perusahaan Terbuka. Adapun
cakupan Kebijakan ini meliputi kriteria Dalam melaksanakan hubungan dengan
dalam pemilihan pemasok atau vendor, penyedia barang/jasa, Bank senantiasa
mekanisme pengadaan yang transparan, mengedepankan prinsip-prinsip sebagai
upaya peningkatan kemampuan pemasok berikut:
atau vendor, dan pemenuhan hak-hak yang • Pengadaan barang/jasa harus dilakukan
berkaitan dengan pemasok atau vendor. 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. Public Listed Policies on supplier or vendor selection Has been Applied
Company has a policy are useful to ensure that the Public Listed The GCG Policy stipulates that in interacting
on the selection Company obtains the necessary goods or with Goods/Services Providers, among others,
and upgrading services at competitive prices and good suppliers and other parties conducting
of suppliers or quality. Meanwhile, the policy on supplier business transactions with the Bank, the Bank
vendors. or vendor capacity building is useful to always establishes good relationships based
ensure that the supply chain runs efficiently on professionalism, trust, honesty, mutual
and effectively. The ability of suppliers respect and equal opportunities in obtaining
or vendors to supply/fulfill the goods or relevant information in accordance with
services needed by the company will affect business relationships with the Company so
the quality of the company's output. that each party can make decisions based
on fair and reasonable considerations. In
The implementation of these policies can establishing relationships between the Bank
ensure continuity of supply, both in terms and goods/services providers, all parties are
of quantity and quality needed by the obliged to keep information confidential and
Company. Open. The scope of This policy protect the interests of each party.
includes criteria in the selection of suppliers
or vendors, transparent procurement In carrying out relationships with goods/
mechanisms, efforts to improve the services providers, the Bank always prioritizes
capabilities of suppliers or vendors, and the following principles:
fulfillment of rights related to suppliers or • Procurement of goods/services must be
vendors. related to suppliers or vendors. carried out through selection and fair
competition by providing equal treatment
to all prospective business partners who
have met certain requirements/criteria of
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 do
business with the company.
• Providing equal treatment for all
prospective business partners
proportionally and not leading to give
advantages to certain parties in any way.
• The supplier or vendor selection
mechanism has been regulated in detail
in the Goods and Services Procurement
Procedure.
7.4. Perusahaan Terbuka Kebijakan tentang pemenuhan hak-hak Telah Diterapkan
memiliki kebijakan kreditur digunakan sebagai pedoman dalam Pemenuhan hak-hak kreditur telah diatur
tentang pemenuhan melakukan pinjaman kepada kreditur. pada prosedur produk Bank serta tercantum
hak-hak kreditur. Tujuan dari kebijakan dimaksud adalah dalam perjanjian.
untuk menjaga terpenuhinya hak-hak dan
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. Public Listed The policy on the fulfillment of creditors' Has been Implemented
Companies have rights is used as a guideline in making loans The fulfillment of creditors' rights has been
a policy on the to creditors. The purpose of the policy is regulated in the Bank's product procedures
fulfillment of to maintain the fulfillment of rights and and stated in the agreement.
creditors' rights. to maintain creditors' trust in the Public
Listed Company. The policy includes
considerations in entering into agreements,
as well as follow-up in the fulfillment of
the Public Listed Company's obligations to
creditors.


7.5. Perusahaan Terbuka Kebijakan system whistleblowing yang telah Telah Diterapkan
memiliki kebijakan disusun dengan baik akan memberikan Bank memiliki kebijakan pelaksanaan
system whistleblowing. kepastian perlindungan kepada saksi atau Whistleblowing System sebagaimana diatur
pelapor atas suatu indikasi pelanggaran dalam Kebijakan GCG dan Prosedur Anti
yang dilakukan karyawan atau manajemen Fraud yang mencakup:
Perusahaan Terbuka. Penerapan kebijakan • Perlindungan kepada Whistleblower.
sistem tersebut akan berdampak • Sistem Pelaporan dan Mekanisme Tindak
pada pembentukan budaya tata kelola Lanjut Laporan Whistleblower.
perusahaan yang baik. Kebijakan system • Pengaduan indikasi fraud.
whistleblowing mencakup antara lain jenis • Contact center whistleblowing system
pelanggaran yang dapat dilaporkan melalui
sistem whistleblowing, cara pengaduan,
perlindungan dan jaminan kerahasiaan
pelapor, penanganan pengaduan,
pihak yang mengelola aduan, dan hasil
penanganan dan tindak lanjut pengaduan.
7.5. The Public Listed The whistleblowing system policy that Has been Implemented
Company has a has been policy will provide certainty of The Bank has a policy on the implementation
whistleblowing protection to witnesses or whistleblowers of the Whistleblowing System as stipulated
system policy. on an indication of violations committed in the GCG Policy and Anti Fraud Procedure
by employees or management of the which includes:
Public Listed Company. Implementation • Protection to Whistleblower.
of the whistleblowing system policy will • Reporting System and Whistleblower
have an impact on the establishment of a Report Follow-up Mechanism.
good corporate governance culture. The • Complaints of fraud indications.
whistleblowing system policy covers, among • Contact center whistleblowing system
others, the types of violations that can
be reported through the whistleblowing
system, how to file a complaint, protection
and guarantee of confidentiality of the
whistleblower, complaint handling, the party
managing the complaint, and the results of
handling and follow-up of the complaint.
and follow-up of complaints.
7.6. Perusahaan Terbuka Insentif jangka panjang merupakan insentif Telah Diterapkan
memiliki kebijakan yang didasarkan atas pencapaian kinerja Long Term Incentive Plan (LTIP) dikembangkan
pemberian insentif jangka panjang. Rencana insentif jangka sebagai bagian dari penerapan konsep Talent
jangka panjang panjang mempunyai dasar pemikiran Management dan Succession Plan di Bank.
kepada Direksi dan bahwa kinerja jangka panjang perusahaan
karyawan. tercermin oleh pertumbuhan nilai dari Talent dan Successor Pool yang tersedia
saham atau target-target jangka panjang merupakan karyawan terpilih yang
perusahaan lainnya. Insentif jangka panjang diharapkan menjadi penggerak utama
bermanfaat dalam rangka menjaga loyalitas proses bisnis perusahaan. Salah satu upaya
dan memberikan motivasi kepada Direksi untuk mempertahankan mereka adalah
dan karyawan untuk menigkatkan kinerja melalui program retensi baik yang bersifat
atau produktivitasnya yang akan berdampak finansial maupun non finansial. Program
pada peningkatan kinerja perusahaan LTIP merupakan salah satu program retensi
dalam jangka panjang. dari sisi finansial di mana skema yang dibuat
mengacu pada pencapaian kinerja atas Key
Adanya suatu kebijakan insentif jangka Performance Indicator (KPI) jangka panjang
panjang merupakan komitmen nyata dengan syarat dan kondisi khusus.
Perusahaan Terbuka untuk mendorong
pelaksanaan pemberian insentif jangka Beberapa skema ditetapkan dalam beberapa
panjang kepada Direksi dan Karyawan opsi yaitu upfront payment system dengan
dengan syarat, prosedur dan bentuk yang bonding period dan mekanisme clawback
disesuaikan dengan tujuan jangka panjang serta opsi x. Masing-masing terikat dengan
Perusahaan Terbuka. Kebijakan dimaksud syarat dan ketentuan yang relevan.
dapat mencakup, antara lain: maksud dan
tujuan pemberian insentif jangka panjang,
syarat dan prosedur dalam pemberian
insentif, serta kondisi dan risiko yang harus
diperhatikan oleh Perusahaan Terbuka
dalam pemberian insentif. Kebijakan
tersebut juga dapat tercakup dalam
kebijakan remunerasi Perusahaan Terbuka
yang ada.


7.6. The Public Listed Long-term incentives are incentives based on Has been Applied
Company has a the achievement of long-term performance. The Long Term Incentive Plan (LTIP) was
policy of providing Long-term incentive plan long-term developed as part of the implementation of
long-term incentives incentive plan is based on the premise that the Talent Management and Succession Plan
to Directors and the company's long-term performance is is concepts in the Bank.
employees. reflected by growth in the value of shares
or other long-term targets of the company. The available Talent and Successor Pool are
Long-term incentives are useful in order to selected employees who are expected to be
maintain loyalty and motivate the Board the main drivers of the company's business
of Directors and employees to improve processes. One of the efforts to retain them
performance. and employees to improve is through retention programs, both financial
their performance or productivity which will and non-financial. The LTIP program is one
have an impact on improving the company's of the retention programs from the financial
performance in the long term. long term. side where the scheme made refers to the
achievement of performance on the long-
The existence of a long-term incentive policy term Key Performance Indicator (KPI) with
is a real commitment of the Public Listed special terms and conditions.
Company to encourage the implementation
of long-term incentives. Public Listed Some schemes are set in several options,
Company to encourage the implementation namely upfront payment system with
of long-term incentives to Directors and bonding period and clawback mechanism
Employees with terms, procedures and and option x. Each is subject to relevant terms
forms tailored to the long-term objectives of and conditions.
the Public Listed Company. Such policy may
include, among others: the purpose and
objectives of granting long-term incentives,
terms and procedures in granting incentives,
as well as conditions and risks that must be
considered by the Public Listed Company
in granting incentives. to be considered
by the Public Listed Company in granting
incentives. Such policy may also be included
in the existing remuneration policy of the
Public Listed Company.
Aspek 5: Keterbukaan Informasi
Aspect 5: Information Disclosure
Prinsip 8: 8.1. Perusahaan Terbuka Penggunaan teknologi informasi dapat Telah Diterapkan
Meningkatkan memanfaatkan bermanfaat sebagai media keterbukaan Bank senantiasa berupaya untuk
Pelaksanaan penggunaan teknologi informasi. Adapun keterbukaan informasi meningkatkan kualitas keterbukaan informasi
Keterbukaan informasi secara yang dilakukan tidak hanya keterbukaan kepada stakeholders dan shareholders
Informasi lebih luas selain informasi yang telah diatur dalam peraturan melalui media teknologi informasi selain
Situs Web sebagai perundang-undangan, namun juga website Bank. Media teknologi informasi
media keterbukaan informasi lain terkait Perusahaan Terbuka yang digunakan oleh Bank untuk melakukan
informasi. yang dirasakan bermanfaat untuk diketahui pelayanan dan update kebutuhan informasi
pemegang saham atau investor. Dengan kepada nasabah atau calon nasabah adalah
pemanfaatan teknologi informasi secara website Bank Muamalat, SalaMuamalat,
lebih luas selain situs web diharapkan media sosial, yang terdiri dari Youtube,
perusahaan dapat meningkatkan efektivitas Facebook, Twitter dan Instagram.
penyebaran informasi perusahaan.
Meskipun demikian, pemanfaatan
teknologi informasi yang dilakukan tetap
memperhatikan manfaat dan biaya
perusahaan.
Principle 8: 8.1. Public Listed The use of information technology can Has been Implemented
Improving the Companies be useful as a medium for information The Bank always strives to improve
Implementation make wider use disclosure. The information disclosure the quality of information disclosure to
of Information of information carried out is not only information disclosure stakeholders and shareholders through
Disclosure technology other that has been regulated in the laws and information technology media other than
than the Website regulations, but also other information the Bank's website. Information technology
as a medium related to the Public Listed Company that is media used by the Bank to provide services
for information deemed useful to be known by shareholders and update information needs to customers
disclosure. or investors. By utilizing information or prospective customers are the Bank
technology more widely in addition to the Muamalat website, SalaMuamalat, social
website, it is expected that the company media, consisting of Youtube, Facebook,
can increase the effectiveness of the Twitter and Instagram.
dissemination of company information.
Nevertheless, the utilization of information
technology that is carried out still pays
attention to the benefits and costs of the
company.


8.2. Laporan Tahunan Peraturan perundang-undangan di sector Telah Diterapkan

Perusahaan Terbuka Pasar Modal yang mengatur mengenai Bank telah mengungkapkan informasi
mengungkapkan penyampaian laporan tahunan Perusahaan mengenai pemegang saham yang memiliki
pemilik manfaat akhir Terbuka telah mengatur kewajiban lebih dari 5% (lima) persen atau lebih saham
dalam kepemilikan pengungkapan informasi mengenai Bank kepada Regulator dan Masyarakat
saham Perusahaan pemegang saham yang memiliki 5% (lima melalui website, publikasi Laporan Keuangan,
Terbuka paling sedikit persen) atau lebih saham Perusahaan dan Laporan Tahunan Bank. Pengungkapan
5% (lima persen), Terbuka serta kewajiban pengungkapan informasi tersebut telah diungkapkan pada
selain pengungkapan informasi mengenai pemegang saham website Bank menu Hubungan Investor
pemilik manfaat utama dan pengendali Perusahaan Terbuka bagian pemegang saham, Laporan Triwulan
akhir dalam baik langsung maupun tidak langsung serta bagian ikhtisar saham dalam Laporan
kepemilikan saham sampai dengan pemilik manfaat terakhir Tahunan ini.
Perusahaan Terbuka dalam kepemilikan saham tersebut. Dalam
melalui pemegang Pedoman Tata Kelola ini direkomendasikan
saham utama dan untuk mengungkapkan pemilik manfaat
pengendali. akhir atas kepemilikan saham Perusahaan
Terbuka paling sedikit 5% (lima persen),
selain mengungkapkan pemilik manfaat
akhir dari kepemilikan saham oleh
pemegang saham utama dan pengendali.
8.2. The Annual Report The laws and regulations in the Capital Has been Implemented
of a Public Listed Market sector governing the submission of The Bank has disclosed information regarding
Company discloses annual reports of Public Listed Companies shareholders who own more than 5% (five)
the ultimate have stipulated the obligation to disclose percent or more of the Bank's shares to
beneficial owner in information regarding shareholders who Regulators and the Public through the
the shareholding own 5% (five percent) or more of the shares website, publication of Financial Statements,
of the Public Listed of a Public Company as well as the obligation and the Bank's Annual Report. The disclosure
Company of at least to disclose information regarding the major of such information has been disclosed on
5% (five percent), shareholders and controlling shareholders the Bank's website in the Investor Relations
in addition to the of a Public Company either directly or section of the shareholders menu, the
disclosure of the indirectly up to the ultimate beneficial Quarterly Report and the share overview
ultimate beneficial owner in the ownership of such shares. section of this Annual Report.
owner in the in the share ownership. In this Corporate
shareholding of Governance Guideline, it is recommended
the Public Listed to disclose the ultimate beneficial owner
Company through of a Public Listed Company's shareholding
the ultimate of at least 5% (five percent), in addition to
and controlling disclosing the ultimate beneficial owner
shareholders. of the shareholding by the major and
controlling shareholders.

Struktur dan Mekanisme

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

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

General Meeting of Shareholders
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

INFRASTRUKTUR TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE INFRASTRUCTURE

Bank Muamalat memiliki infrastruktur berupa kebijakan dan Bank Muamalat has an infrastructure in the form of policies
prosedur sebagai panduan dalam menjalankan fungsi dan and procedures as a guide in carrying out the functions and
tugas organ perusahaan, antara lain: duties of the Company's organs, among others:
• Anggaran Dasar Bank Muamalat Indonesia • Articles of Association of Bank Muamalat Indonesia
• Board Manual Bank Muamalat Indonesia • Board Manual of Bank Muamalat Indonesia
• Kode Etik Bank Muamalat Indonesia • Code of Ethics of Bank Muamalat Indonesia
• Kebijakan GCG Bank Muamalat Indonesia • GCG Policy of Bank Muamalat Indonesia
• Kebijakan Umum Operasional Bank • General Policy of Bank Operations
• Prosedur Pelaksanaan Rapat Direksi • Board of Directors Meeting Procedure
• Prosedur Pelaksanaan Rapat Umum Pemegang Saham • General Meeting of Shareholders Procedure

• 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 • Asset and Liability Committee Charter
• Piagam Komite Pengarah Teknologi Informasi • Information Technology Steering Committee Charter
• Piagam Komite Manajemen Risiko • Risk Management Committee Charter
• Piagam Komite Sumber Daya Manusia • Human Resources Committee Charter
• Pedoman dan Prosedur Anti-Fraud • Anti-Fraud Guidelines and Procedures
• Piagam Internal Audit • Internal Audit Charter
• Kebijakan dan Prosedur penerapan APU-PPT (Anti • APU-PPT (Anti-Money Laundering-Prevention of
Pencucian Uang-Pencegahan Pendanaan Terorisme) Financing of Terrorism) Implementation Policy and
Procedure
MEKANISME TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE MECHANISM

Mekanisme tata kelola di Bank Muamalat berlandaskan The governance mechanism at Bank Muamalat is based on a
pada soft structure, yaitu berbentuk kebijakan dan prosedur soft structure, which is in the form of operational policies and
operasional terkait GCG. Kebijakan dan prosedur tersebut procedures related to GCG. These policies and procedures
senantiasa diimplementasikan dalam kegiatan bisnis Bank are always implemented in the Bank's daily business
sehari-hari dan dikaji secara berkala efektivitasnya. Norma activities and periodically reviewed for effectiveness. The
tersebut secara berkelanjutan dikomunikasikan kepada norm is continuously communicated to all employees in the
seluruh jajaran karyawan dalam organisasi Bank untuk Bank's organization to be used as a basis for implementing
dapat dijadikan sebagai landasan dalam menerapkan GCG principles.
prinsip-prinsip GCG di lingkungan Bank.
Organ utama Bank dalam pelaksanaannya dibantu oleh In its implementation, the Bank's main organ is assisted by
organ pendukung yang terdiri dari komite di tingkat Dewan supporting organs consisting of committees at the Board
Komisaris, Direksi, Dewan Pengawas Syariah, Sekretaris of Commissioners, Board of Directors, Sharia Supervisory
Perusahaan, Manajemen Risiko dan Internal Audit. Board, Corporate Secretary, Risk Management, and Internal
Audit.
Berikut adalah komite-komite di tingkat Dewan Komisaris The following are the committees at the BMI Board of
BMI yang bertugas untuk membantu dan meningkatkan Commissioners level that are tasked with assisting and
tugas dan fungsi pengawasan Dewan Komisaris, yaitu: enhancing the supervisory duties and functions of the Board
of Commissioners, namely:
• 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.
Adapun komite tingkat Direksi adalah sebagai berikut: The committees at the Board of Directors level are as follows:
• Komite Aset dan Liabilitas • Asset and Liability Committee
• Komite Pengarah Teknologi Informasi • Information Technology Steering Committee
• Komite Manajemen Risiko • Risk Management Committee
• Komite Sumber Daya Manusia • Human Resources Committee

Rapat Umum Pemegang Saham

RUPS merupakan organ tertinggi dalam struktur organisasi The GMS is the highest organ in BMI's GCG organizational
GCG BMI, dimana hak dan kewenangan RUPS tidak structure, where the rights and authorities of the GMS are
dimiliki oleh Dewan Komisaris dan Direksi Perseroan yang not owned by the Board of Commissioners and the Board
batasannya diatur oleh ketentuan peraturan perundangan of Directors, whose limits are regulated by the provisions of
terkait dan Anggaran Dasar Bank. the relevant laws and regulations and the Bank's Articles of
Association.
RUPS juga berfungsi sebagai salah satu media komunikasi The GMS also serves as one of the communication media
antara para Pemegang Saham dengan Dewan Komisaris between the Shareholders and the Board of Commissioners
dan Direksi melalui forum tanya jawab. Forum tersebut and Directors through a question-and-answer forum. The
memberikan kesempatan yang sama kepada seluruh forum provides equal opportunities to all Shareholders of
Pemegang Saham Bank yang hadir pada setiap mata acara the Bank who attend each agenda item of the GMS. The
RUPS. RUPS selanjutnya juga berfungsi sebagai forum bagi GMS also serves as a forum for shareholders to evaluate the
para pemegang saham untuk mengevaluasi kinerja Direksi performance of the Bank's Board of Directors and Board of
dan Dewan Komisaris Bank. Commissioners.
Penyelenggaraan RUPS Bank Muamalat berdasarkan pada The implementation of the GMS of Bank Muamalat is based
beberapa ketentuan, di antaranya: on several provisions, including:
• Undang-Undang No. 40 tahun 2007 tentang Perseroan • Law No. 40 of 2007 concerning Limited Liability
Terbatas. Companies.
• Peraturan OJK No. 15/POJK.04/2020 tentang Rencana • OJK Regulation No. 15/POJK.04/2020 concerning the
dan Penyelenggaraan Rapat Umum Pemegang Saham Plan and Implementation of the General Meeting of
Perusahaan Terbuka Shareholders of Public Companies.
• Peraturan OJK No. 16/POJK.04/2020 tentang Pelaksanaan • OJK Regulation No. 16/POJK.04/2020 concerning the
Rapat Umum Pemegang Saham Perusahaan Terbuka Implementation of the General Meeting of Shareholders
Secara Elektronik of Public Companies Electronically
• Anggaran Dasar Bank • The Bank's Articles of Association
• Prosedur Internal terkait Pelaksanaan Rapat Umum • Internal Procedures related to the Implementation of the
Pemegang Saham General Meeting of Shareholders
• Peraturan perundang-undangan terkait lainnya. • Other relevant laws and regulations.
JENIS RUPS TYPES OF GMS

Terdapat dua jenis RUPS sesuai dengan UU No. 40 There are two types of GMS in accordance with Law No.
Tahun 2007 tentang Perseroan Terbatas dan Peraturan 40 of 2007 concerning Limited Liability Companies and
OJK No. 15/POJK.04/2020 Tahun 2020 tentang Rencana OJK Regulation No. 15/POJK.04/2020 of 2020 concerning
dan Penyelenggaraan Rapat Umum Pemegang Saham Planning and Organizing General Meetings of Shareholders
Perusahaan Terbuka, yakni: of Public Companies, namely:
1. RUPS Tahunan 1. Annual GMS

RUPS Tahunan ialah RUPS yang diselenggarakan paling Annual GMS is a GMS held no later than 6 (six) months
lambat 6 (enam) bulan setelah berakhirnya tahun buku after the end of the financial year or the deadline
atau batas waktu yang ditentukan oleh OJK. Agenda determined by OJK. The main agenda of the AGM
utama RUPS Tahunan terdiri dari pengajuan Laporan consists of the submission of Financial Statements and
Keuangan dan Laporan Tahunan dari Direksi untuk Annual Reports from the Board of Directors to be ratified
disahkan dan disetujui oleh Pemegang Saham. Agenda and approved by the Shareholders. Other agendas
lainnya ialah penunjukan Kantor Akuntan Publik untuk are the appointment of a Public Accountant Firm for
tahun buku berikutnya, pengesahan penggunaan laba, the next financial year, ratification of the use of profit,
pengangkatan atau pemberhentian anggota Direksi appointment or dismissal of members of the Board of
atau anggota Dewan Komisaris serta hal-hal lain yang Directors or members of the Board of Commissioners
diperlukan. and other necessary matters.

2. RUPS Luar Biasa atau RUPS Lainnya 2. Extraordinary GMS or Other GMS
RUPS Luar Biasa atau RUPS Lainnya ialah RUPS yang Extraordinary GMS or Other GMS is a GMS whose
pelaksanaannya tidak terbatas oleh ketentuan waktu, implementation is not limited by time provisions, can be
dapat diselenggarakan kapan saja sesuai keperluan held at any time according to the needs of the company
perusahaan oleh Dewan Komisaris atau Direksi, atas by the Board of Commissioners or the Board of Directors,
permintaan dari Pemegang Saham. at the request of the Shareholders.
WEWENANG RUPS AUTHORITY OF THE GMS

Rapat Umum Pemegang Saham memiliki wewenang tertinggi The General Meeting of Shareholders has the highest
dalam Tata Kelola Perusahaan yang tidak dimiliki oleh Dewan authority in Corporate Governance that is not vested in
Komisaris maupun Direksi, yang batasannya ditentukan the Board of Commissioners or the Board of Directors,
dalam UU No. 40 tahun 2007 tentang Perseroan Terbatas, the limits of which are determined in Law No. 40 of 2007
Peraturan OJK No. 15/POJK.04/2020 tentang Rencana concerning Limited Liability Companies, OJK Regulation
dan Penyelenggaraan Rapat Umum Pemegang Saham No. 15/POJK.04/2020 concerning Planning and Organizing
Perusahaan Terbuka, Peraturan Otoritas Jasa Keuangan General Meetings of Shareholders of Public Companies,
Nomor 3/POJK.04/2021 tentang Penyelenggaraan Kegiatan Financial Services Authority Regulation No. 3/POJK.04/2021
di Bidang Pasar Modal, Anggaran Dasar Bank dan peraturan concerning the Implementation of Activities in the Capital
terkait lainnya. Wewenang RUPS yaitu: Market Sector, the Bank's Articles of Association and other
relevant regulations. The authority of the GMS are:
1. Melakukan evaluasi kinerja Dewan Komisaris dan Direksi; 1. Evaluate the performance of the Board of Commissioners
and Board of Directors;
2. Melakukan pengesahan perubahan Anggaran Dasar; 2. To approve amendments to the Articles of Association;
3. Memberikan persetujuan atas Laporan Direksi, Laporan 3. To approve the Board of Directors' Report, the Board of
Tugas Pengawasan Dewan Komisaris serta Laporan Commissioners' Supervisory Report and the Company's
Keuangan Perseroan; Financial Statements;
4. Memutuskan alokasi penggunaan laba; 4. Decide the allocation of profit utilization;
5. Menunjuk dan menetapkan biaya jasa akuntan publik; 5. Appoint and determine the public accountant service
fee;
6. Memutuskan jumlah dan jenis kompensasi serta fasilitas 6. Deciding on the amount and type of compensation and
pengurus; facilities for the management;
7. Memberikan persetujuan Laporan Tahunan termasuk 7. To approve the Annual Report, including the Company's
Laporan Keuangan Perseroan dan Laporan Tugas Financial Statements and the Board of Commissioners'
Pengawasan Dewan Komisaris Perseroan serta Supervisory Report, and to release and discharge the
memberikan pelunasan dan pembebasan tanggung members of the Board of Directors and the Board of
jawab (acquit et decharge) kepada anggota Direksi Commissioners from their respective management and
dan Dewan Komisaris atas tindakan pengurusan dan supervisory duties;
pengawasan yang telah dilakukannya masing-masing;
8. Memberi kuasa dan wewenang kepada Direksi untuk 8. To authorize the Board of Directors to determine and
menentukan dan membayar dividen final; pay the final dividend;
9. Mengambil keputusan-keputusan menyangkut struktur 9. Make decisions regarding the organizational structure
organisasi misalnya perubahan Anggaran Dasar, such as amendments to the Articles of Association,
penggabungan, peleburan, pemisahan, pembubaran merger, consolidation, separation, dissolution and
dan likuidasi Perseroan; liquidation of the Company;
10. Mengangkat dan/atau mengubah susunan anggota 10. Appoint and/or change the composition of members of
Direksi dan Dewan Komisaris; the Board of Directors and Board of Commissioners;
11. Menetapkan remunerasi yakni penetapan gaji, tunjangan 11. Determining remuneration, namely determining the
lain serta honorarium Dewan Pengawas Syariah, Direksi, salary, other benefits and honorarium of the Sharia
dan Dewan Komisaris Perseroan; Supervisory Board, Board of Directors, and Board of
Commissioners of the Company;

12. Memberi persetujuan terhadap transaksi yang 12. Give approval to transactions that contain conflicts of
mengandung benturan kepentingan; interest;
13. Memberikan kuasa dan kewenangan kepada Dewan 13. Granting power and authority to the Board of
Komisaris untuk menunjuk Kantor Akuntan Publik (KAP) Commissioners to appoint a Public Accounting Firm
dengan memperhatikan rekomendasi dari Komite Audit; (KAP) by taking into account the recommendations of the
Audit Committee;
14. Menetapkan Pihak yang menjadi Pengendali dari 14. Determining the Party that becomes the Controller of
Perusahaan Terbuka. the Public Company.
HAK PEMEGANG SAHAM SHAREHOLDER RIGHTS

Berdasarkan Anggaran Dasar Bank dan peraturan terkait, Based on the Bank's Articles of Association and relevant
pemegang saham memiliki hak-hak sebagai berikut: regulations, shareholders have the following rights:
1. Pemegang saham dapat melakukan permintaan 1. Shareholders may make a request to hold a GMS. Such
penyelenggaraan RUPS. Permintaan tersebut request may be made by 1 (one) or more shareholders
dapat dilakukan atas permintaan: 1 (satu) orang who jointly represent 1/10 (one tenth) or more of the
atau lebih pemegang saham yang bersama-sama total number of shares with voting rights, unless the
mewakili 1/10 (satu persepuluh) atau lebih dari jumlah articles of association specify a smaller number.
seluruh saham dengan hak suara, kecuali anggaran
dasar menentukan suatu jumlah yang lebih kecil.
2. Menghadiri dan memberikan hak suara di RUPS 2. Attend and vote at the GMS based on the applicable
berdasarkan dengan syarat dan ketentuan yang berlaku terms and conditions and the GMS rules of procedure.
dan tata tertib RUPS
3. Pemegang saham berhak memperoleh informasi 3. Shareholders are entitled to obtain information on the
mata acara rapat dan bahan terkait mata acara rapat agenda of the meeting and materials related to the
sepanjang tidak bertentangan dengan kepentingan agenda of the meeting as long as it does not conflict with
Bank. the interests of the Bank.
4. Menerima dividen saham dengan syarat dan ketentuan 4. Receive stock dividends with terms and conditions in
sesuai dengan keputusan RUPS accordance with the GMS resolution.
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.
6. Hak-hak lainnya sesuai dengan peraturan perundang- 6. Other rights in accordance with the relevant laws and
undangan terkait. regulations.
PELAKSANAAN RUPS TAHUN BUKU 2022 IMPLEMENTATION OF RUPS IN FISCAL YEAR

2022
Sepanjang tahun 2022, BMI telah menyelenggarakan RUPS In 2022, BMI held 4 (four) GMS, consisting of 1 (one) Annual
sebanyak 4 (empat) kali yang terdiri dari 1 (satu) kali RUPS GMS and 3 (three) Extraordinary GMS.
Tahunan dan 3 (tiga) kali RUPS Luar Biasa.
RUPS Tahunan Annual GMS

RUPS Tahunan (RUPST) diselenggarakan pada tanggal 24 Juni The Annual General Meeting of Shareholders (AGM) was
2022 pukul 10.06 WIB sd 11.07 WIB bertempat di Ballroom held on June 24, 2022 at 10:06 am to 11:07 am at BJ Habibie
BJ Habibie – Muamalat Tower Lantai 2, Jalan Prof. DR. Satrio Ballroom - Muamalat Tower 2nd Floor, Jalan Prof. DR. Satrio
Kav. 18, Jakarta 12940, Indonesia. Kav. 18, Jakarta 12940, Indonesia.

Daftar Peserta RUPS Tahunan List of AGM Participants

Nama
No. Jabatan Position
Name
Dewan Pengawas Syariah | Sharia Supervisory Board

1 Sholahudin Al Aiyub Ketua Chairman
2 Siti Haniatunnisa Anggota Member
3 Agung Danarto Anggota Member
1 Iggi Haruman Achsien Komisaris Independen Independent Commissioner
2 Edy Setiadi Komisaris Independen Independent Commissioner
3 Andre Mirza Hartawan Komisaris Commissioner
1 Achmad K. Permana Direktur Utama President Director
2 Hery Syafril Direktur Keuangan Director of Finance
3 Andri Donny Direktur Kepatuhan, Risiko, dan Hukum Director of Compliance, Risk and Legal
4 Purnomo B. Soetadi Direktur Bisnis Ritel Director of Retail Business
5 Avianto Direktur Pembiayaan Director of Financing
6 Awaldi Direktur Operasi Director of Operations
Kesempatan Mengajukan Pertanyaan dan atau Opportunity to Raise Questions and or Opinions at the
Pendapat pada Rapat Meeting
Dalam tiap-tiap Mata Acara RUPS Tahunan telah diberikan In each Agenda of the Annual GMS, opportunities were given
kesempatan kepada pemegang saham dan/atau kuasa to shareholders and/or their proxies to raise questions and/
pemegang saham untuk mengajukan pertanyaan dan/atau or give opinions/suggestions related to the agenda of the
memberikan pendapat/usulan terkait mata acara Rapat. Meeting.
Mekanisme Pengambilan Keputusan Rapat Mechanism of Making Meeting Resolutions

Pengambilan keputusan dalam RUPS Tahunan selalu Decision-making in the Annual GMS is always carried out
dilakukan melalui mekanisme musyawarah untuk mufakat. through deliberation for consensus. However, if deliberation
Namun apabila musyawarah untuk mufakat tidak tercapai for consensus is not achieved, the decision making in
maka pengambilan keputusan dalam rapat dilakukan the meeting is carried out by open voting conducted
dengan cara pemungutan suara (voting) secara terbuka yang by PT Datindo Entrycom as the Company's Securities
dilakukan oleh PT Datindo Entrycom selaku Biro Administrasi Administration Bureau.
Efek Perseroan.
Keterlibatan Pihak Independen dalam Penghitungan Involvement of Independent Parties in Vote Counting
Suara
Mekanisme pengambilan keputusan dalam setiap agenda The decision-making mechanism in each agenda of the
RUPS Tahunan dilakukan secara musyawarah untuk mufakat. Annual GMS is carried out by deliberation for consensus.
Sehingga tidak terdapat pengambilan keputusan dalam Therefore, there is no decision making in the agenda of
agenda RUPS yang dilakukan dengan cara pemungutan suara the AGM which is carried out by open voting involving
(voting) secara terbuka yang melibatkan pihak independen. independent parties.

Tahapan Pelaksanaan RUPS Tahunan Stages of the Annual GMS Implementation

Hasil dan
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Keputusan
Notification Announcement Summons Implementation Result and
Resolution
Perseroan telah menyampaikan Pengumuman Pemanggilan Bank melaksanakan Ringkasan Risalah

pemberitahuan rencana kepada pemegang kepada pemegang RUPS Tahunan RUPS Tahunan telah
penyelenggaraan Rapat beserta saham mengenai saham mengenai (RUPST) pada tanggal diumumkan pada
Mata Acara Rapat kepada Kepala akan dilakukannya penyelenggaraan 24 Juni 2022 pukul tanggal 28 Juni 2022
Eksekutif Pengawas Pasar Modal Pemanggilan Rapat, Rapat telah dilakukan 10.06 WIB sd 11.07 melalui 1 (satu)
melalui surat nomor 101/B/PRD-SRT/ telah dilakukan pada tanggal 11 Mei WIB bertempat di surat kabar harian
III/2022 dan kepada Deputi Komisioner melalui 1 (satu) 2022 melalui 1 (satu) Ballroom BJ Habibie berbahasa Indonesia
Pengawas Perbankan III OJK melalui surat kabar harian surat kabar harian – Muamalat Tower berperedaran
surat nomor 102/B/PRD-SRT/III/2022 berbahasa Indonesia berbahasa Indonesia Lantai 2, Jalan Prof. nasional, yaitu
keduanya tertanggal 5 April 2022 berperedaran nasional, berperedaran DR. Satrio Kav. surat kabar “Harian
perihal Pemberitahuan Rencana yaitu surat kabar nasional, yaitu surat 18, Jakarta 12940, Ekonomi Neraca”
Penyelenggaraan Rapat Umum “Harian Ekonomi kabar “Harian Terbit” Indonesia. dan melalui Website
Pemegang -Saham Tahunan (”RUPST”) Neraca” dan melalui dan melalui Website Perseroan dalam
PT Bank Muamalat Indonesia Tbk Website Perseroan Perseroan dalam bahasa Indonesia
(”Perseroan”) dan Penyampaian Mata pada tanggal 26 April bahasa Indonesia dan dan bahasa Inggris.
Acara RUPST Perseroan 2022 dalam bahasa bahasa Inggris
Indonesia dan bahasa
Inggris
The Company has submitted Announcement The summons to the The Bank held its The Summary of
notification of the plan to hold the to shareholders shareholders regarding Annual General Minutes of the
Meeting along with the Meeting Agenda shareholders regarding the holding of the Meeting of Annual GMS was
to the Chief Executive of the Capital will be conducted Meeting was made on Shareholders (AGM) announced on
Market Supervisor by letter number Meeting Invitation, has May 11, 2022 through 1 on June 24, 2022 at June 28, 2022
101/B/PRD-SRT/ III/2022 and to the been made through 1 (one) daily newspaper 10.06 am to 11.07 through 1 (one)
Deputy Commissioner for Banking (one) daily newspaper in Indonesian am at BJ Habibie daily newspaper in
Supervision III of OJK by letter number in Indonesian language language with national Ballroom - Muamalat Indonesian language
102/B/PRD-SRT/III/2022 both dated circulated national circulation, namely Tower 2nd Floor, Jalan with national
April 5, 2022 regarding Notification of circulation, namely "Harian Terbit" Prof. DR. Satrio Kav. circulation, namely
the Plan to Hold an Annual General newspaper "Harian newspaper and 18, Jakarta 12940, "Harian Ekonomi
Meeting of Shareholders ("AGMS") Ekonomi Neraca" through the Company's Indonesia. Neraca" newspaper
of PT Bank Muamalat Indonesia Tbk newspaper and Website in Indonesian and through the
("Company") and Submission of the through Company's and English language. Company's Website
Company's AGMS Agenda. website on April 26, in Indonesian and
2022 in Indonesian and English.
English

Keputusan dan Realisasi RUPST Tahun 2022 Resolution and Realization of AGMS Year 2022
Seluruh Keputusan rapat telah disahkan dalam RUPS All resolutions of the meeting have been ratified at the
Tahunan tanggal 24 Juni 2022. Annual GMS on June 24, 2022.
Agenda, Keputusan, dan Realisasi RUPST Tahun 2022 Agenda, Resolution, and Realization of AGMS Year 2022
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
Pertanyaan & Keputusan Realisasi
No Agenda Keputusan
Pendapat/Usulan Resolution Realization
Decision Making
Number of Shareholders
who Raise Questions &
Give Opinions/Proposals
1 Persetujuan Tidak terdapat Pengambilan Menyetujui Laporan Tahunan Perseroan Sudah direalisasikan
Laporan Tahunan pemegang saham keputusan dilakukan Tahun Buku 2021 termasuk Laporan pada tahun 2022
Perseroan Tahun dan/atau kuasa secara musyawarah Tugas Pengawasan Dewan Komisaris dan dan Laporan
Buku 2021 termasuk pemegang saham untuk mufakat Dewan Pengawas Syariah untuk Tahun Tahunan Perseroan
Laporan Tugas yang menyampaikan Buku 2021 dan mengesahkan Laporan telah disampaikan
Pengawasan Dewan pertanyaan dan/atau Keuangan Perseroan untuk Tahun Buku kepada OJK melalui
Komisaris dan pendapat/usulan. 2021. Selanjutnya dengan telah disetujuinya surat No. 140/B/
Dewan Pengawas Laporan Tahunan Perseroan Tahun Buku PRD-SRT/IV/2022
Syariah untuk 2021 termasuk Laporan Tugas Pengawasan dan No. 141/B/PRD-
Tahun Buku 2021 Dewan Komisaris dan Dewan Pengawas SRT/IV/2022 tanggal
serta pengesahan Syariah untuk Tahun Buku 2021 serta 28 April 2022
Laporan Keuangan disahkannya Laporan Keuangan Perseroan kepada pihak-pihak
Perseroan untuk untuk Tahun Buku 2021, maka berarti terkait dan kepada
Tahun Buku 2021. Rapat telah memberikan pelunasan dan lembaga-lembaga
pembebasan tanggung-jawab sepenuhnya terkait
(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 2021,
sepanjang tindakan tersebut tercermin dari
Laporan Tahunan dan Laporan Keuangan
Perseroan Tahun Buku 2021 serta bukan
merupakan tindak pidana atau pelanggaran
terhadap ketentuan peraturan perundang-
undangan yang berlaku
Approval of the There were no Decision making Approved the Company's Annual Report for It has been realized
Company's Annual shareholders and/or was carried out the Financial Year 2021, including the Report in 2022 and the
Report for the proxy of shareholders by deliberation on the Supervisory Duties of the Board of Company's Annual
Financial Year 2021, who raised questions to reach a Commissioners and the Sharia Supervisory Report has been
including the Board and/or gave opinions/ consensus. Board for the Financial Year 2021 and ratified submitted to OJK
of Commissioners proposals. the Company's Financial Statements for the through letters No.
and Sharia Financial Year 2021. Furthermore, with the 140/B/PRD-SRT/
Supervisory Board approval of the Company's Annual Report IV/2022 and No.
Oversight Report for the 2021 Financial Year including the 141/B/PRD-SRT/
for the Financial Report on the Supervisory Duties of the IV/2022 dated 28
Year 2021, and Board of Commissioners and the Sharia April 2022 to related
ratification of the Supervisory Board for the 2021 Financial parties and to
Company's Financial Year and the ratification of the Company's related institutions.
Statements for Financial Statements for the 2021 Financial
the Financial Year Year, it means that the Meeting has given
2021. full release and discharge (volledig acquit et
de charge) to the members of the Board of
Directors, the Board of Commissioners and
the Sharia Supervisory Board of the Company
for the management and supervision of the
Company that has been carried out during
the 2021 Financial Year, as long as such
actions are reflected in the Annual Report and
Financial Statements of the Company for the
2021 Financial Year and do not constitute a
criminal offense or violation of the provisions
of the applicable laws and regulations.
2 Persetujuan Tidak terdapat Pengambilan Menyetujui laba bersih Perseroan untuk Sudah direalisasikan
Penggunaan Laba pemegang saham keputusan dilakukan Tahun Buku 2021 setelah Pajak sebesar pada tahun 2022
Bersih Perseroan dan/atau kuasa secara musyawarah Rp8.927.050.660 (delapan miliar sembilan dan Laba bersih
untuk Tahun Buku pemegang saham untuk mufakat ratus dua puluh tujuh juta lima puluh ribu Perseroan untuk
2021. yang menyampaikan enam ratus enam puluh Rupiah) seluruhnya Tahun Buku 2021
pertanyaan dan/atau dipergunakan untuk cadangan Perseroan, tidak dibagikan dan
pendapat/usulan. sehingga tidak diadakan pembagian dividen dipergunakan untuk
atas laba bersih Perseroan Tahun Buku 2021. cadangan Perseroan
Approval of the Use There were no The decision Approved that the Company's net profit for It has been realized
of the Company's shareholders and/or was made by the Financial Year 2021 after tax amounting in 2022 and the
Net Income for proxy of shareholders deliberation to Rp8,927,050,660 (eight billion nine Company's net
the Financial Year who raised questions to reach a hundred twenty seven million fifty thousand profit for the
2021. and/or gave opinions/ consensus. six hundred sixty Rupiah) will be used entirely Financial Year 2021
proposals. for the Company's reserves, so that no is not distributed
dividend distribution will be made on the and used for the
Company's net profit for the Financial Year Company's reserves.
2021.

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
3 Penunjukan Kantor Terdapat 1 (satu) Pengambilan Menyetujui untuk memberikan kewenangan Sudah direalisasikan
Akuntan Publik pemegang saham keputusan dilakukan kepada Dewan Komisaris Perseroan untuk pada tahun
untuk melakukan yang menyampaikan secara musyawarah menunjuk, mengakhiri dan/atau mengganti 2022 dan Dewan
audit Laporan pendapat/usulan tertulis. untuk mufakat Kantor Akuntan Publik untuk mengaudit Komisaris telah
Keuangan Perseroan Laporan Keuangan Perseroan Tahun Buku menunjuk Kantor
Tahun Buku 2022 2022 dan/atau audit lain yang dibutuhkan Akuntan Publik
dan audit lain Perseroan serta menetapkan jumlah untuk mengaudit
yang dibutuhkan honorarium dan persyaratan penunjukan Laporan Keuangan
Perseroan lainnya yang wajar bagi Kantor Akuntan Perseroan Tahun
Publik tersebut. Pemberian kewenangan Buku 2022
kepada Dewan Komisaris Perseroan berdasarkan
tersebut diusulkan untuk efektivitas rekomendasi dari
proses penunjukan, pengakhiran, dan/atau Komite Audit.
penggantian Kantor Akuntan Publik yang Penunjukan
sesuai dengan kondisi Perseroan dan akan berdasarkan
dilaksanakan dengan kriteria atau batasan surat Dewan
yang dianggap sesuai oleh Dewan Komisaris Komisaris tanggal
Perseroan dengan kondisi Perseroan. 18 November
2022 dan telah
dilaporkan kepada
OJK melalui surat
No. 163/B/FND-SRT/
XI/2022 tanggal 28
November 2022.
Appointment of a There is 1 (one) The decision Approved to authorize the Board of It has been
Public Accountant shareholder who was made by Commissioners of the Company to appoint, realized in 2022
Firm to audit the submits written opinion/ deliberation terminate and/or replace the Public and the Board of
Company's Financial proposal. to reach a Accounting Firm to audit the Company's Commissioners has
Statements for the consensus. Financial Statements for the Financial Year appointed a Public
Financial Year 2022 2022 and/or other audits required by the Accountant Firm to
and other audits Company and to determine the amount audit the Company's
required by the of honorarium and other reasonable Financial Statements
Company. appointment requirements for the Public for the Financial
Accounting Firm. The granting of authority to Year 2022 based on
the Board of Commissioners of the Company recommendations
is proposed for the effectiveness of the from the Audit
process of appointment, termination, and/ Committee. The
or replacement of the Public Accounting appointment is
Firm in accordance with the conditions of the based on the Board
Company and will be carried out with criteria of Commissioners'
or limits deemed appropriate by the Board letter dated
of Commissioners of the Company with the November 18,
conditions of the Company. 2022 and has been
reported to OJK
through letter No.
163/B/FND-SRT/
XI/2022 dated
November 28, 2022.
4 Persetujuan Tidak terdapat Pengambilan Menyetujui tindakan penjaminan aset Transaksi dengan
tindakan pemegang saham keputusan dilakukan Perseroan sebagai jaminan utang Perseroan PT Sarana Multigriya
penjaminan aset dan/atau kuasa secara musyawarah atas Transaksi Penerbitan Sukuk/fasilitas Finansial senilai
Perseroan sebagai pemegang saham untuk mufakat pembiayaan dari PT Perusahaan Pengelola Rp 500.000.000.000
jaminan utang yang menyampaikan Aset (Persero), PT Sarana Multigriya Finansial, (lima ratus miliar
Perseroan atau pertanyaan dan/atau dan atau pihak lain baik dalam satu transaksi Rupiah) telah
pihak lain. pendapat/usulan. penjaminan atau lebih dengan jumlah direalisasikan pada
maksimum sebesar Rp4.000.000.000.000 tahun 2022.
(empat triliun Rupiah).
Approval of the There were no The decision Approved to pledge of the Company's assets The transaction with
pledge of the shareholders and/or was made by as collateral for the Company's debt for PT Sarana Multigriya
Company's assets proxy of shareholders deliberation the Sukuk Issuance Transaction/financing Finansial worth
as collateral for who raised questions to reach a facility from PT Perusahaan Pengelola Aset Rp 500,000,000,000
the Company's and/or opinions/ consensus. (Persero), PT Sarana Multigriya Finansial, (five hundred million
debt or other proposals. and/or other parties either in one or more Rupiah)has been
parties. pledge transactions with a maximum realized in 2022.
amount of Rp4,000,000,000,000 (four trillion
Rupiah).

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
5 Laporan Realisasi Tidak terdapat Untuk Mata Acara Perseroan telah menyampaikan Laporan Untuk Mata Acara
Penggunaan Dana pemegang saham Rapat Kelima Realisasi Penggunaan Dana Hasil Penawaran Rapat Kelima
Hasil Penawaran dan/atau kuasa bersifat Laporan, Umum melalui PMHMETD VI Perseroan bersifat Laporan,
Umum melalui pemegang saham oleh karenanya sebagaimana dipersyaratkan Pasal 6 Ayat oleh karenanya
Penambahan Modal yang menyampaikan tidak dilakukan (1) dan Ayat (2) Peraturan Otoritas Jasa tidak terdapat
dengan Memberikan pertanyaan dan/atau pengambilan Keuangan Nomor 30/ POJK.4/2015 tentang realisasi lebih
Hak Memesan Efek pendapat/usulan. keputusan. Laporan Realisasi Penggunaan Dana Hasil lanjut atas laporan
Terlebih Dahulu Penawaran Umum. tersebut.
VI (“PMHMETD VI”)
Perseroan
Report on the There were no The Fifth Meeting The Company has submitted the Report on The Fifth Meeting
Realization of the shareholders and/or Agenda was a the Realization of the Use of Proceeds from Agenda was a
Use of Proceeds proxy of shareholders report, therefore Public Offering through PMHMETD VI of the report, therefore
from the Public who raised questions no decision was Company as required by Article 6 Paragraph there was no further
Offering through and/or opinions/ made. (1) and Paragraph (2) of the Financial realization of the
Capital Increase with proposals. Services Authority Regulation Number 30/ report.
Pre-emptive Rights POJK.4/2015 regarding the Report on the
VI ("PMHMETD VI") Realization of the Use of Proceeds from
of the Company Public Offering.
6 Persetujuan Tidak terdapat Pengambilan 1. Menyetujui perubahan Pasal 3 ayat Perubahan
atas Perubahan pemegang saham keputusan dilakukan (2) Anggaran Dasar Perseroan tentang Anggaran Dasar
Anggaran Dasar dan/atau kuasa secara musyawarah Kegiatan Usaha dalam rangka penyesuaian Perseroan telah
Perseroan pemegang saham untuk mufakat. dengan peraturan Badan Pusat Statistik direalisaskan dan
yang menyampaikan No.2 Tahun dituangkan dalam
pertanyaan dan/atau 2. Menyetujui pemberian kuasa kepada Akta No. 48 tanggal
pendapat/usulan. Direksi Perseroan dengan hak substitusi, 24 Juni 2022 dibuat
untuk menyatakan kembali keputusaan di hadapan Notaris
berkenaan dengan perubahan ketentuan Ashoya Ratam,
Anggaran Dasar Perseroan ke dalam akta S.H. M.Kn, dan
Notaris dan mengajukan permohonan telah memperoleh
persetujuan atas perubahan Anggaran persetujuan dari
Dasar tersebut kepada pihak yang Menteri Hukum
berwenang dan sehubungan dengan hal dan Hak Asasi
tersebut untuk melakukan segala sesuatu Manusia Republik
yang diperlukan sesuai dengan ketentuan Indonesia sesuai
peraturan perundangan yang berlaku. Surat Keputusannya
tertanggal 11 Juli
2022 No. AHU-
0047668. AH.01.02.
Tahun 2022 serta
diumumkan dalam
Berita Negara
Republik Indonesia
No. 56 tanggal 15
Juli 2022 Tambahan
Berita Negara
Republik Indonesia
No. 023534.
Approval of There were no Decision making 1. Approved the amendment to Article 3 The amendment
Amendments to the shareholders and/or was carried out paragraph (2) of the Company's Articles of of the Company's
Company's Articles proxy of shareholders by deliberation to Association regarding Business Activities in Articles of
of Association who raised questions reach a consensus. order to adjust with the regulation of the Association has
and/or gave opinions/ Central Bureau of Statistics No.2. been realized and
proposals. 2. Approved the authorization to the set forth in Deed No.
Board of Directors of the Company with 48 dated June 24,
the right of substitution, to restate the 2022 made before
decision regarding the amendment to Notary Ashoya
the provisions of the Company's Articles Ratam, S.H. M.Kn,
of Association into a Notarial deed and and has obtained
submit an application for approval approval from the
of the amendment to the Articles of Minister of Law
Association to the competent authority and Human Rights
and in connection with this matter to do of the Republic
everything necessary in accordance with of Indonesia in
the provisions of the applicable laws and accordance with
regulations. his Decree dated
July 11, 2022 No.
AHU-0047668.
AH.01.02. Year 2022
and announced in
the State Gazette
of the Republic of
Indonesia No. 56
dated July 15, 2022
Supplement to
the State Gazette
of the Republic
of Indonesia No.
023534.

Alasan Belum Terealisasinya Keputusan Reasons for Unrealized Resolutions

Seluruh hasil keputusan RUPS Tahunan tanggal 24 Juni 2022 All resolutions of the Annual GMS dated June 24, 2022 have
telah direalisasikan pada tahun 2022. been realized in 2022.
RUPS LUAR BIASA TAHUN 2022 EXTRAORDINARY GMS IN 2022
RUPS Luar Biasa Pertama Tahun 2022 First Extraordinary GMS of 2022
RUPS Luar Biasa (RUPSLB) pertama diselenggarakan pada The first Extraordinary GMS (EGMS) was held on February
tanggal 28 Februari 2022 pukul 16.57 WIB sd 17.20 WIB 28, 2022 at 16.57 WIB to 17.20 WIB at BJ Habibie Ballroom
bertempat di Ballroom BJ Habibie – Muamalat Tower Lantai - Muamalat Tower 2nd Floor, Jalan Prof. DR. Satrio Kav. 18,
2, Jalan Prof. DR. Satrio Kav. 18, Jakarta 12940, Indonesia. Jakarta 12940, Indonesia.
Daftar Peserta RUPS Luar Biasa Pertama List of Participants of the First Extraordinary GMS
Nama
Name

1 Ilham Akbar Habibie Komisaris Utama/Independen President Commissioner/Independent
Kesempatan Mengajukan Pertanyaan dan atau Opportunity to Raise Questions and or Give Opinions at
Pendapat pada Rapat the Meeting
Dalam tiap-tiap Mata Acara RUPS Luar Biasa Pertama telah In each Agenda of the First Extraordinary GMS, opportunities
diberikan kesempatan kepada pemegang saham dan/atau were given to the shareholders and/or their proxies to raise
kuasa pemegang saham untuk mengajukan pertanyaan questions and/or give opinions/suggestions related to the
dan/atau memberikan pendapat/usulan terkait mata acara agenda of the Meeting.
Rapat.
Mekanisme Pengambilan Keputusan Rapat Mechanism for Making Meeting Resolutions

Pengambilan keputusan dalam RUPS Luar Biasa Pertama Decision-making in the First Extraordinary GMS was
dilakukan melalui mekanisme musyawarah untuk mufakat. conducted through deliberation for consensus. However,
Namun apabila musyawarah untuk mufakat tidak tercapai if deliberation for consensus is not achieved, the decision
maka pengambilan keputusan dalam rapat dilakukan making in the meeting will be carried out by open voting
dengan cara pemungutan suara (voting) secara terbuka yang conducted by PT Datindo Entrycom as the Company's
dilakukan oleh PT Datindo Entrycom selaku Biro Administrasi Securities Administration Bureau.
Efek Perseroan.

Suara
Mekanisme pengambilan keputusan dalam agenda The decision-making mechanism in the agenda of the First
RUPS Luar Biasa Pertama dilakukan secara musyawarah Extraordinary GMS was carried out by deliberation for
untuk mufakat. Sehingga tidak terdapat pengambilan consensus. Therefore, there is no decision making in the
keputusan dalam agenda RUPS yang dilakukan dengan cara agenda of the GMS which is carried out by open voting
pemungutan suara (voting) secara terbuka yang melibatkan involving independent parties.
pihak independen.
Tahapan Pelaksanaan RUPS Luar Biasa Pertama Stages of the First Extraordinary GMS Implementation
Hasil dan
Resolution
1. Perseroan telah menyampaikan 1. Pengumuman Pemanggilan Bank melaksanakan Ringkasan Risalah

pemberitahuan rencana kepada pemegang kepada pemegang RUPS Luar Biasa RUPS Luar Biasa
penyelenggaraan Rapat beserta saham mengenai saham mengenai Pertama pada tanggal telah diumumkan
Mata Acara Rapat kepada Kepala akan dilakukannya penyelenggaraan Rapat 28 Februari 2022 pada tanggal 2 Maret
Eksekutif Pengawas Pasar Modal Pemanggilan Rapat, telah dilakukan pada pukul 16.57 WIB sd 2022 melalui 1 (satu)
melalui surat nomor 001/R/PRD- telah dilakukan tanggal 4 Februari 17.20 WIB bertempat surat kabar harian
SRT/ I/2022 dan kepada Deputi melalui 1 (satu) 2022 melalui 1 (satu) di Ballroom BJ berbahasa Indonesia
Komisioner Pengawas Perbankan III surat kabar harian surat kabar harian Habibie – Muamalat berperedaran
OJK melalui surat nomor 002/B/PRD- berbahasa Indonesia berbahasa Indonesia Tower Lantai 2, Jalan nasional, yaitu
SRT/I/2022 keduanya tertanggal 4 berperedaran berperedaran Prof. DR. Satrio Kav. surat kabar “Harian
Januari 2022 perihal Pemberitahuan nasional, yaitu nasional, yaitu surat 18, Jakarta 12940, Ekonomi Neraca”
Rencana Penyelenggaraan Rapat surat kabar “Harian kabar “Harian Terbit” Indonesia. dan melalui Website
Umum Pemegang -Saham Luar Ekonomi Neraca” dan melalui Website Perseroan dalam
Biasa (”RUPSLB”) PT Bank Muamalat dan melalui Website Perseroan dalam bahasa Indonesia
Indonesia Tbk (”Perseroan”) dan Perseroan pada bahasa Indonesia dan dan bahasa Inggris.
Penyampaian Mata Acara RUPSLB tanggal 12 Januari bahasa Inggris
Perseroan. 2022 dalam Bahasa
2. Perseroan telah menyampaikan Indonesia dan
pemberitahuan penundaan Rapat Bahasa Inggris
kepada Kepala Eksekutif Pengawas 2. Pengumuman
Pasar Modal OJK nomor 026/B/PRD- penundaan Rapat
SRT/I/2022dan Deputi Komisioner telah dilakukan
Pengawas Perbankan III OJK melalui melalui 1 (satu)
Surat Nomor 027/B/PRD-SRT/I/2022 surat kabar
keduanya tertanggal 28 Januari harian berbahasa
2022 perihal Penyampaian Bukti Indonesia, yaitu
Publikasi Pengumuman Penundaan “Harian Terbit” dan
Rapat Umum Pemegang Saham Luar melalui Website
Biasa ("RUPSLB") PT Bank Muamalat Perseroan pada
Indonesia Tbk ("Perseroan") tanggal 27 Januari
2022, dalam bahasa
Indonesia dan
bahasa Inggris

Hasil dan
Resolution
1. The Company has submitted 1. Announcement to Summons to The Bank held the The Summary of
notification of the plan to hold the the shareholders shareholders regarding First Extraordinary Minutes of the
Meeting along with the Meeting regarding the the holding of the GMS on February Extraordinary GMS
Agenda to the Chief Executive of the Meeting Invitation, Meeting has been 28, 2022 at 16.57 was announced
Capital Market Supervisor through has been made made on February 4, WIB to 17.20 WIB at on March 2, 2022
letter number 001/R/PRD-SRT/ I/2022 through 1 (one) 2022 through 1 (one) BJ Habibie Ballroom through 1 (one)
and to the Deputy Commissioner of daily newspaper in daily newspaper in - Muamalat Tower daily newspaper in
Banking Supervision III OJK through Indonesian language Indonesian language 2nd Floor, Jalan Prof. Indonesian language
letter number 002/B/PRD-SRT/I/2022 with national with national DR. Satrio Kav. with national
both dated January 4, 2022 circulation, namely circulation, namely 18, Jakarta 12940, circulation, namely
regarding Notification of the Plan "Harian Ekonomi "Harian Terbit" Indonesia. "Harian Ekonomi
to Hold an Extraordinary General Neraca" newspaper newspaper and Neraca" newspaper
Meeting of Shareholders ("EGMS") and through the through the Company's and through the
of PT Bank Muamalat Indonesia Tbk Company's Website Website in Indonesian Company's Website
("Company") and Submission of the on January 12, 2022 language and English in Indonesian and
Company's EGMS Agenda. in Indonesian and language English.
2. The Company has submitted a notice English.
of postponement of the Meeting 2. Announcement of
to the Chief Executive Officer of the adjournment
OJK Capital Market Supervisor of the Meeting
number 026/B/PRD-SRT/I/2022 and has been made
Deputy Commissioner for Banking through 1 (one)
Supervision III OJK through Letter daily newspaper
Number 027/B/PRD-SRT/I/2022 both in Indonesian
dated January 28, 2022 regarding language, namely
Submission of Proof of Publication "Harian Terbit"
of Announcement of Postponement newspaper and
of the Extraordinary General through the
Meeting of Shareholders ("EGMS") Company's Website
of PT Bank Muamalat Indonesia Tbk on January 27,
("Company"). 2022, in Indonesian
language and
English language.

Keputusan dan Realisasi RUPSLB Pertama Tahun Resolutions and Realization of the First EGM in
2022 2022
Seluruh Keputusan rapat telah disahkan dalam RUPS Luar All resolutions of the meeting were ratified at the First
Biasa Pertama tanggal 28 Februari 2022. Extraordinary GMS on February 28, 2022.
Agenda, Keputusan, dan Realisasi RUPSLB Pertama Agenda, Resolution, and Realization of the First EGM of
Tahun 2022 2022
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
1 Persetujuan Tidak terdapat pemegang Pengambilan 1. Menyetujui pemberhentian dengan hormat Keputusan
Perubahan Susunan saham dan/atau kuasa keputusan dilakukan yaitu : berkenaan dengan
Pengurus Perseroan pemegang saham secara musyawarah Anggota Dewan Komisaris pengangkatan
yang menyampaikan untuk mufakat • Mohamed Hedi Mejai selaku Komisaris anggota Dewan
pertanyaan dan/atau Perseroan; dan Komisaris Perseroan
pendapat/usulan • Abdulsalam Mohammad Joher Al-Saleh telah dituangkan ke
selaku Komisaris Perseroan terhitung dalam akta Notaris
. sejak ditutupnya Rapat disertai dengan No. 45 tanggal 28
ucapan terima kasih dan penghargaan Februari 2022 yang
atas jasa mereka selama ini untuk dibuat oleh Notaris
kemajuan Perseroan. Ashoya Ratam, S.H.
2. Menyetujui pengangkatan : M.Kn dan telah
Anggota Dewan Komisaris memberitahukannya
• Sulistyo Budi selaku Komisaris kepada pihak yang
merangkap Wakil Komisaris Utama berwenang.
Perseroan;
• Juni Supriyanto selaku Komisaris
Perseroan; dan
• Andre Mirza Hartawan selaku Komisaris
Perseroan;
terhitung sejak ditutupnya Rapat ini sampai
dengan sisa masa jabatan kepengurusan
Perseroan saat ini, yaitu sampai dengan
ditutupnya Rapat Umum Pemegang
Saham Tahunan Perseroan Tahun 2024
(dua ribu dua puluh empat), dengan
ketentuan pengangkatan tersebut akan
berlaku efektif setelah masing-masing
memperoleh penetapan lulus Penilaian
Kemampuan dan Kepatutan dari OJK. Dari
dan oleh karenanya hal yang berkaitan
dengan honorarium maupun tunjangan
masing-masing selaku Pengurus Perseroan
yang baru akan mengikuti hasil keputusan
Rapat Umum Pemegang Saham yang
mengangkat Pengurus lainnya yang masih
menjabat.
3. Menyetujui pemberian kuasa kepada
Direksi guna mewakili Perseroan untuk
menandatangani perjanjian (management
contract) dengan masing-masing anggota
Dewan Komisaris; dan
Direksi dengan hak substitusi, untuk
menyatakan kembali keputusan berkenaan
dengan perubahan anggota Dewan
Komisaris tersebut ke dalam akta Notaris
dan memberitahukannya kepada pihak
yang berwenang dan sehubungan dengan
hal tersebut untuk melakukan segala
sesuatu yang diperlukan sesuai dengan
ketentuan peraturan perundangan yang
berlaku.

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
Approval of Changes There were no Decision making 1. Approved the honorable dismissal of : The decision
in the Company's shareholders and/or is carried out Member of the Board of Commissioners regarding the
Management proxy of shareholders by deliberation • Mohamed Hedi Mejai as Commissioner appointment
Structure who raised questions to reach a of the Company; and of members of
and/or opinions/ consensus • Abdulsalam Mohammad Joher Al-Saleh the Board of
proposals. as Commissioner of the Company Commissioners
as of the closing of the Meeting along of the Company
with gratitude and appreciation for their has been set forth
services so far for the progress of the in Notarial deed
Company. No. 45 dated
2. Approved the appointment of : February 28, 2022
Member of the Board of Commissioners made by Notary
• Sulistyo Budi as Commissioner Ashoya Ratam,
and concurrently Vice President S.H. M.Kn and has
Commissioner of the Company; been notified to
• Juni Supriyanto as Commissioner of the the competent
Company; and authorities.
• Andre Mirza Hartawan as Commissioner
of the Company;
as of the closing of this Meeting until the
remaining term of office of the current
management of the Company, namely
until the closing of the Annual General
Meeting of Shareholders of the Company
in 2024 (two thousand twenty-four),
provided that such appointment will be
effective after each of them has obtained
the determination of passing the Fit and
Proper Assessment from OJK. From and
therefore matters relating to honorarium
and benefits respectively as the new
Management of the Company will follow
the results of the decision of the General
Meeting of Shareholders which appoints
other Management who are still in office.
3. Approved the authorization to the Board
of Directors to represent the Company
to sign an agreement (management
contract) with each member of the Board
of Commissioners; and
of Directors with the right of substitution,
to restate the resolution regarding the
changes of the members of the Board
of Commissioners in a Notarial deed
and notify the competent authorities
and in connection with this matter to do
everything necessary in accordance with
the provisions of the applicable laws and
regulations.

Seluruh hasil keputusan RUPS Luar Biasa Pertama tanggal 28 All resolutions of the First Extraordinary GMS dated 28
Februari 2022 telah direalisasikan pada tahun 2022. February 2022 have been realized in 2022.
RUPS Luar Biasa Kedua Tahun 2022 Second Extraordinary General Meeting of 2022
RUPS Luar Biasa (RUPSLB) Kedua diselenggarakan pada The Second Extraordinary GMS (EGMS) was held on June
tanggal 24 Juni 2022 pukul 13.45 WIB sd 14.15 WIB bertempat 24, 2022 at 13.45 WIB to 14.15 WIB at BJ Habibie Ballroom
di Ballroom BJ Habibie – Muamalat Tower Lantai 2, Jalan Prof. - Muamalat Tower 2nd Floor, Jalan Prof. DR. Satrio Kav. 18,
DR. Satrio Kav. 18, Jakarta 12940, Indonesia. Jakarta 12940, Indonesia.

Daftar Peserta RUPS Luar Biasa Kedua List of Participants of the Second Extraordinary GMS
Nama
Name

4 Purnomo B. Soetadi Direktur Bisnis Ritel Director of Retail Business
Dalam tiap-tiap Mata Acara RUPS Luar Biasa Kedua telah In each Agenda of the Second Extraordinary GMS,
diberikan kesempatan kepada pemegang saham dan/atau opportunities were given to the shareholders and/or their
kuasa pemegang saham untuk mengajukan pertanyaan proxies to raise questions and/or give opinions/suggestions
dan/atau memberikan pendapat/usulan terkait mata acara related to the agenda of the Meeting.
Rapat.

Pengambilan keputusan dalam RUPS Luar Biasa Kedua Decision-making in the Second Extraordinary GMS was
Efek Perseroan.
Suara
Mekanisme pengambilan keputusan dalam agenda The decision-making mechanism in the agenda of the First
RUPS Luar Biasa Kedua dilakukan secara musyawarah Extraordinary GMS was carried out by deliberation for
untuk mufakat. Sehingga tidak terdapat pengambilan consensus. Therefore, there is no decision making in the
keputusan dalam agenda RUPS yang dilakukan dengan cara agenda of the GMS which is carried out by open voting
pihak independen.

Tahapan Pelaksanaan RUPS Luar Biasa Kedua Stages of the Second Extraordinary GMS Implementation
Hasil dan
Resolution
Perseroan telah menyampaikan Pengumuman Pemanggilan Bank melaksanakan Ringkasan Risalah

pemberitahuan rencana kepada pemegang kepada pemegang RUPS Luar Biasa pada RUPS Luar Biasa
penyelenggaraan Rapat beserta saham mengenai saham mengenai tanggal 24 Juni 2022 telah diumumkan
Mata Acara Rapat kepada Kepala akan dilakukannya penyelenggaraan pukul 13.45 WIB sd pada tanggal 28 Juni
Eksekutif Pengawas Pasar Modal Pemanggilan Rapat, Rapat telah dilakukan 14.15 WIB bertempat 2022 melalui 1 (satu)
melalui surat nomor 103/B/PRD- telah dilakukan pada tanggal 11 Mei di Ballroom BJ surat kabar harian
SRT/ III/2022 dan kepada Deputi melalui 1 (satu) 2022 melalui 1 (satu) Habibie – Muamalat berbahasa Indonesia
Komisioner Pengawas Perbankan surat kabar harian surat kabar harian Tower Lantai 2, Jalan berperedaran
III OJK melalui surat nomor 104/B/ berbahasa Indonesia berbahasa Indonesia Prof. DR. Satrio Kav. nasional, yaitu
PRD-SRT/III/2022 keduanya tertanggal berperedaran nasional, berperedaran 18, Jakarta 12940, surat kabar “Harian
5 April 2022 perihal Pemberitahuan yaitu surat kabar nasional, yaitu surat Indonesia. Ekonomi Neraca”
Rencana Penyelenggaraan Rapat “Harian Ekonomi kabar “Harian Terbit” dan melalui Website
Umum Pemegang -Saham Luar Neraca” dan melalui dan melalui Website Perseroan dalam
Biasa (”RUPSLB”) PT Bank Muamalat Website Perseroan Perseroan dalam bahasa Indonesia
Indonesia Tbk (”Perseroan”) dan pada tanggal 26 April bahasa Indonesia dan dan bahasa Inggris.
Penyampaian Mata Acara RUPSLB 2022 dalam bahasa bahasa Inggris
Perseroan Indonesia dan bahasa
Inggris
Announcement
The Company has submitted to shareholders The summons to the The Bank held its The Summary of
notification of the plan to hold the shareholders regarding shareholders regarding Annual General Minutes of the
Meeting along with the Meeting Agenda will be conducted the holding of the Meeting of Extraordinary GMS
to the Chief Executive of the Capital Meeting Invitation, has Meeting was made on Shareholders (AGM) was announced
Market Supervisor by letter number been made through 1 May 11, 2022 through 1 on June 24, 2022 at on June 28, 2022
103/B/PRD-SRT/ III/2022 and to the (one) daily newspaper (one) daily newspaper 13.45 am to 14.15 through 1 (one)
Deputy Commissioner for Banking in Indonesian language in Indonesian am at BJ Habibie daily newspaper in
Supervision III of OJK by letter number circulated national language with national Ballroom - Muamalat Indonesian language
104/B/PRD-SRT/III/2022 both dated circulation, namely circulation, namely Tower 2nd Floor, Jalan with national
April 5, 2022 regarding Notification of newspaper "Harian "Harian Terbit" Prof. DR. Satrio Kav. circulation, namely
the Plan to Hold an Annual General Ekonomi Neraca" newspaper and 18, Jakarta 12940, "Harian Ekonomi
Meeting of Shareholders ("AGMS") newspaper and through the Company's Indonesia Neraca" newspaper
of PT Bank Muamalat Indonesia Tbk through Company's Website in Indonesian and through the
("Company") and Submission of the website on April 26, and English language Company's Website
Company's AGMS Agenda. 2022 in Indonesian and in Indonesian and
English English.

Keputusan dan Realisasi RUPSLB Kedua Tahun Resolution and Realization of the Second EGMS
2022 2022
Seluruh Keputusan rapat telah disahkan dalam RUPS Luar All resolutions of the meeting were ratified at the Second
Biasa Kedua tanggal 24 Juni 2022. Extraordinary GMS on June 24, 2022.
Agenda, Keputusan, dan Realisasi RUPSLB Kedua Tahun Agenda, Resolution, and Realization of the Second EGM
2022 of 2022
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
1 Persetujuan Tidak terdapat pemegang Pengambilan 1. Menerima pengunduran diri Bapak Ilham Keputusan
Permohonan saham dan/atau kuasa keputusan dilakukan Akbar Habibie dari jabatannya selaku berkenaan dengan
Pengunduran Diri pemegang saham secara musyawarah Komisaris Utama sekaligus Komisaris pengunduran
Pengurus Perseroan yang menyampaikan untuk mufakat Independen Perseroan sebagaimana diri Bapak Ilham
pertanyaan dan/atau dinyatakan dalam surat pengunduran Akbar Habibie dari
pendapat/usulan. dirinya tertanggal 19 Mei 2022. jabatannya selaku
. 2. Memberikan pelunasan dan pembebasan Komisaris Utama
tanggung jawab (volledig acquit et de sekaligus Komisaris
charge) kepada Bapak Ilham Akbar Habibie Independen
tersebut untuk tindakan pengurusan Perseroan telah
Perseroan yang telah dilakukannya selama dituangkan ke
tahun 2022, sepanjang laporan tahunan dalam akta Notaris
dan laporan keuangan Perseroan Tahun No. 49 tanggal 24
2022 disetujui dan disahkan dalam Rapat Juni 2022 yang
Umum Pemegang Saham Tahunan dibuat oleh Notaris
Perseroan yang akan diadakan di tahun Ashoya Ratam, S.H.
2023, serta sejauh tindakan pengurusan M.Kn dan telah
tersebut tercermin dari Laporan Tahunan memberitahukannya
dan Laporan Keuangan Perseroan Tahun kepada pihak yang
Buku 2022 dan bukan merupakan tindak berwenang.
pidana atau pelanggaran terhadap
berlaku
Approval of There were no Decision making 1. To accept the resignation of Mr. Ilham The decision
Application for shareholders and/or is carried out by Akbar Habibie from his position as regarding the of
Resignation of proxy of shareholders deliberation for President Commissioner and Independent Mr. Ilham Akbar
the Company's who raised questions consensus Commissioner of the Company as stated in Habibie from his
Management. and/or opinions/ his resignation letter dated May 19, 2022. position as President
proposals 2. To grant a release and discharge (volledig Commissioner
acquit et de charge) to Mr. Ilham Akbar and Independent
Habibie for the management of the Commissioner of
Company that he has carried out during the Company has
2022, to the extent that the Company's been set forth in
annual report and financial statements Notarial Deed No. 49
for 2022 are approved and ratified at the dated June 24, 2022
Company's Annual General Meeting of made by Notary
Shareholders to be held in 2023, and to the Ashoya Ratam,
extent that such management actions are S.H. M.Kn and has
reflected in the Company's Annual Report been notified to
and Financial Statements for the Financial the competent
Year 2022 and do not constitute a criminal authorities.
offense or violation of the provisions of the
prevailing laws and regulations.

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
2 Persetujuan Tidak terdapat Pengambilan 1. Menyetujui pemberhentian dengan Keputusan

Perubahan pemegang saham keputusan hormat: berkenaan dengan
Susunan Pengurus dan/atau kuasa dilakukan secara a. Juni Supriyanto selaku anggota Dewan perubahan susunan
Perseroan pemegang saham musyawarah untuk Komisaris Perseroan. Pengurus Perseroan
yang menyampaikan mufakat b. Edy Setiadi selaku anggota Dewan telah dituangkan ke
pertanyaan dan/atau Komisaris Perseroan. dalam akta Notaris
pendapat/usulan. c. Andri Donny selaku anggota Direksi No. 49 tanggal 24
Perseroan. Juni 2022 yang
terhitung sejak ditutupnya Rapat dibuat oleh Notaris
disertai dengan ucapan terima kasih dan Ashoya Ratam, S.H.
penghargaan atas jasa mereka selama ini M.Kn dan telah
untuk kemajuan Perseroan. memberitahukannya
2. Menyetujui pengangkatan: kepada pihak yang
a. Iggi H.Achsien sebagai Komisaris berwenang.
Utama sekaligus Komisaris Independen
Perseroan.
b. Sartono sebagaiAnggota Dewan
Komisaris sekaligus Komisaris
Independen Perseroan.
c. Amin Said Husni sebagai Anggota
Dewan Komisaris sekaligus Komisaris
Independen Perseroan.
d. KH. Marsudi Syuhud sebagai anggota
Dewan Komisaris Perseroan.
e. Karno sebagai anggota Direksi Perseroan
sekaligus Direktur Kepatuhan.
terhitung sejak ditutupnya Rapat sampai
ditutupnya Rapat Umum Pemegang Saham
Tahunan Perseroan Tahun 2024, dengan
ketentuan:
bagi calon anggota Direksi dan Dewan
Komisaris Perseroan yang belum
Kemampuan dan Kepatutan dari OJK,
pengangkatannya akan berlaku efektif
setelah memperoleh penetapan lulus
Penilaian Kemampuan dan Kepatutan dari
OJK.
Dalam hal yang bersangkutan dinyatakan
tidak lulus Penilaian Kemampuan dan
Kepatutan (Fit and Proper Assessment),
maka pengangkatan yang bersangkutan
menjadi batal, tanpa diperlukan lagi suatu
keputusan dari Rapat Umum Pemegang
Saham; dan Dari dan oleh karenanya
hal yang berkaitan dengan honorarium
maupun tunjangan masing-masing selaku
Pengurus Perseroan yang baru akan
mengikuti hasil keputusan Rapat Umum
Pemegang Saham yang mengangkat
Pengurus lainnya yang masih menjabat.
3. Pelaksana tugas Direktur Kepatuhan
sampai dengan saudara Karno
Kemampuan dan Kepatutan dari OJK (Fit
and Proper Assesment) akan ditetapkan
dalam Rapat Direksi Perseroan sesuai
ketentuan Anggaran Dasar Perseroan serta
memperhatikan ketentuan yang berlaku.
Direksi guna mewakili Perseroan untuk
menandatangani perjanjian (management
contract) dengan masing-masing anggota
Dewan Komisaris;
Dewan Komisaris guna mewakili Perseroan
untuk menandatangani perjanjian
(management contract) dengan masing-
masing anggota Direksi; dan
dengan perubahan anggota pengurus
tersebut ke dalam akta Notaris dan
memberitahukannya kepada pihak yang
berwenang dan sehubungan dengan hal
tersebut untuk melakukan segala sesuatu
yang diperlukan sesuai dengan ketentuan

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
Approval of Changes There were no Decision making 1. Approved the dismissal with honor: The decision
in the Company's shareholders and/or is carried out by a. Juni Supriyanto as a member of the regarding the
Management proxy of shareholders deliberation for Company's Board of Commissioners. changes in the
Structure who raised questions consensus b. Edy Setiadi as member of the Board of composition of
and/or opinions/ Commissioners of the Company. the Company's
proposals c. Andri Donny as member of the Board of Management has
Directors of the Company. been set forth in
as of the closing of the Meeting along Notarial deed No. 49
with gratitude and appreciation for their dated June 24, 2022
services so far for the progress of the made by Notary
Company. Ashoya Ratam,
2. Approved the appointment of: S.H. M.Kn and has
a. Iggi H. Achsien as President been notified to
Commissioner and Independent the competent
Commissioner of the Company. authorities.
b. Sartono as Member of the Board of
Commissioners and Independent
Commissioner of the Company.
c. Amin Said Husni as Member of the
Board of Commissioners as well as
Independent Commissioner of the
Company.
d. KH Marsudi Syuhud as a member of the
Company's Board of Commissioners.
e. Karno as a member of the Company's
Board of Directors as well as Compliance
Director.
as of the closing of the Meeting until the
management of the Company, namely until
the closing of the Annual General Meeting
of Shareholders of the Company in 2024,
provided that:
for candidates for members of the
Company's Board of Directors and
Board of Commissioners who have not
obtained a determination of passing the
Fit and Proper Assessment from the OJK,
their appointment will be effective after
obtaining a determination of passing the Fit
and Proper Assessment from the OJK.
In the event that the person concerned is
declared not to have passed the Fit and
Proper Assessment, then the appointment
concerned will be canceled, without the
need for a decision from the General
Meeting of Shareholders; and From and
therefore matters relating to honorarium
and benefits respectively as the new
Management of the Company will follow
the results of the decision of the General
Meeting of Shareholders appointing other
Management who are still in office.
3. The acting Compliance Director until Mr.
Karno obtains a determination of passing
the Fit and Proper Assessment from OJK
will be determined at the Company's Board
of Directors Meeting in accordance with
the provisions of the Company's Articles
of Association and taking into account
applicable regulations.
of Directors to represent the Company
of Commissioners;
5. Approved the authorization to the Board of
Commissioners to represent the Company
of Directors; and
6. Approved the authorization to the Board of
Directors with the right of substitution, to
restate the decision regarding the changes
in the members of the management in a
Notarial deed and notify the authorized
parties and in connection with this matter
to do everything necessary in accordance
with the provisions of the applicable laws
and regulations.


Seluruh hasil keputusan RUPS Luar Biasa Kedua tanggal 24 All resolutions of the Second Extraordinary GMS dated 24
Juni 2022 telah direalisasikan pada tahun 2022. June 2022 have been realized in 2022.
RUPS Luar Biasa Kedua Ketiga Tahun 2022 Third Extraordinary General Meeting of 2022
RUPS Luar Biasa (RUPSLB) Ketiga diselenggarakan pada The Third Extraordinary General Meeting of Shareholders
tanggal 29 November 2022 pukul 10.10 – 10.46 WIB (EGMS) was held on November 29, 2022 at 10.10 - 10.46 WIB
bertempat di Ballroom BJ Habibie – Muamalat Tower Lantai at BJ Habibie Ballroom - Muamalat Tower 2nd Floor, Jalan
2, Jalan Prof. DR. Satrio Kav. 18, Jakarta 12940, Indonesia. Prof. DR. Satrio Kav. 18, Jakarta 12940, Indonesia.
Daftar Peserta RUPS Luar Biasa Ketiga List of Participants of the Third Extraordinary GMS
Nama
Name

1 Iggi H. Achsien Komisaris Utama/Independen President Commissioner/Independent
2 Sartono Komisaris Independen Independent Commissioner
3 Amin Said Husni Komisaris Independen Independent Commissioner
4 Sulistyo Budi *)
Komisaris Independen Independent Commissioner
3 Karno Direktur Kepatuhan, Risiko, dan Hukum Director of Compliance, Risk and Legal
Efektif setelah memperoleh penetapan lulus Penilaian Kemampuan dan Kepatutan dari OJK
*)
Effective after obtaining a determination of passing the Fit and Proper Assessment from FSA
Dalam tiap-tiap Mata Acara RUPS Luar Biasa Ketiga telah In each Agenda of the Third Extraordinary GMS, opportunities
diberikan kesempatan kepada pemegang saham dan/atau were given to the shareholders and/or their proxies to raise
kuasa pemegang saham untuk mengajukan pertanyaan questions and/or give opinions/suggestions related to the
dan/atau memberikan pendapat/usulan terkait mata acara agenda of the Meeting.
Rapat.

Pengambilan keputusan dalam RUPS Luar Biasa Ketiga Decision-making in the Third Extraordinary GMS was
Efek Perseroan.
Suara
Mekanisme pengambilan keputusan dalam agenda The decision-making mechanism in the agenda of the
RUPS Luar Biasa Ketiga dilakukan secara musyawarah Third Extraordinary GMS was carried out by deliberation
untuk mufakat. Sehingga tidak terdapat pengambilan for consensus. Therefore, there is no decision making in
keputusan dalam agenda RUPS yang dilakukan dengan cara the agenda of the GMS which is carried out by open voting
pihak independen.

Tahapan Pelaksanaan RUPS Luar Biasa Ketiga Stages of the Third Extraordinary GMS Implementation
Hasil dan
Resolution
1. Perseroan telah menyampaikan Pengumuman Pemanggilan Bank melaksanakan Ringkasan Risalah

pemberitahuan rencana kepada pemegang kepada pemegang RUPS Luar Biasa pada RUPS Luar Biasa telah
penyelenggaraan Rapat beserta Mata saham mengenai saham mengenai tanggal 29 November diumumkan pada
Acara Rapat kepada Kepala Eksekutif akan dilakukannya penyelenggaraan Rapat 2022 pukul 10.10 – tanggal 1 Desember
Pengawas Pasar Modal melalui surat Pemanggilan Rapat, telah dilakukan pada 10.46 WIB bertempat 2022 melalui 1 (satu)
nomor 258/B/PRD-SRT/ IX/2022 telah dilakukan tanggal 29 September di Ballroom BJ surat kabar harian
dan kepada Deputi Komisioner melalui 1 (satu) 2022 melalui 1 (satu) Habibie – Muamalat berbahasa Indonesia
Pengawas Perbankan III OJK melalui surat kabar harian surat kabar harian Tower Lantai 2, Jalan berperedaran
surat nomor 259/B/PRD-SRT/IX/2022 berbahasa Indonesia berbahasa Indonesia Prof. DR. Satrio Kav. nasional, yaitu
keduanya tertanggal 7 September berperedaran nasional, berperedaran nasional, 18, Jakarta 12940, surat kabar “Harian
2022 perihal Pemberitahuan yaitu surat kabar yaitu surat kabar Indonesia. Ekonomi Neraca”
Rencana Penyelenggaraan Rapat “Harian Ekonomi “Harian Ekonomi dan melalui Website
Umum Pemegang -Saham Luar Neraca” dan melalui Neraca” dan melalui Perseroan dalam
Biasa (”RUPSLB”) PT Bank Muamalat Website Perseroan Website Perseroan bahasa Indonesia
Indonesia Tbk (”Perseroan”) dan pada tanggal 14 dalam bahasa dan bahasa Inggris.
Penyampaian Mata Acara RUPSLB September 2022 dalam Indonesia dan bahasa
Perseroan. bahasa Indonesia dan Inggris
2. Perseroan telah menyampaikan bahasa Inggris
Pemberitahuan perubahan mata
acara Rapat telah disampaikan
kepada Kepala Eksekutif Pengawas
Pasar Modal OJK sesuai dengan
ketentuan Pasal 13 ayat (3) POJK
15/2020 melalui Surat Nomor 297/B/
PRD-SRT/XI/2022 dan kepada Deputi
Komisioner Pengawas Perbankan III
OJK melalui Surat Nomor 298/B/PRD-
SRT/XI/2022 keduanya tertanggal 1
November 2022 perihal Perubahan
Mata Acara Rapat Umum -Pemegang
Saham Luar Biasa (“RUPSLB”) PT
Bank Muamalat Indonesia Tbk
(“Perseroan”)
1. The Company has submitted Announcement The summons to the The Bank held its The Summary of
notification of the plan to hold the to shareholders shareholders regarding Annual General Minutes of the
Meeting along with the Meeting shareholders regarding the holding of the Meeting of Extraordinary GMS
Agenda to the Chief Executive of the will be conducted Meeting was made Shareholders (AGM) was announced on
Capital Market Supervisor by letter Meeting Invitation, has on September 29, on November 29, December 1, 2022
number 258/B/PRD-SRT/ IX/2022 been made through 1 2022 through 1 (one) 2022 at 10.10 – through 1 (one)
and to the Deputy Commissioner (one) daily newspaper daily newspaper in 10.46 at BJ Habibie daily newspaper in
for Banking Supervision III of OJK in Indonesian language Indonesian language Ballroom - Muamalat Indonesian language
by letter number 259/B/PRD-SRT/ circulated national with national Tower 2nd Floor, Jalan with national
IX/2022 both dated 7 September, circulation, namely circulation, namely Prof. DR. Satrio Kav. circulation, namely
2022 regarding Notification of the newspaper "Harian "Harian Terbit" 18, Jakarta 12940, "Harian Ekonomi
Plan to Hold an Annual General Ekonomi Neraca" newspaper and Indonesia Neraca" newspaper
Meeting of Shareholders ("AGMS") newspaper and through the Company's and through the
of PT Bank Muamalat Indonesia Tbk through Company's Website in Indonesian Company's Website
("Company") and Submission of the website on September and English language in Indonesian and
Company's AGMS Agenda. 14, 2022 in Indonesian English.
2. The Company has submitted the and English
Notice of Amendment to the Agenda
of the Meeting to the Chief Executive
Officer of the OJK Capital Market
Supervisor in accordance with the
provisions of Article 13 paragraph
(3) POJK 15/2020 through Letter
Number 297/B/PRD-SRT/XI/2022
and to the Deputy Commissioner for
Banking Supervision III OJK through
Letter Number 298/B/PRD-SRT/
XI/2022 both dated November 1,
2022 regarding Amendments to the
Agenda of the Extraordinary General
Meeting of Shareholders ("EGMS")
of PT Bank Muamalat Indonesia Tbk
("Company").

Keputusan dan Realisasi RUPSLB Ketiga Tahun Resolution and Realization of the Third EGMS 2022
2022
Seluruh Keputusan rapat telah disahkan dalam RUPS Luar All resolutions of the meeting were ratified at the Third
Biasa Ketiga tanggal 29 November 2022. Extraordinary GMS on November 29, 2022.
Agenda, Keputusan, dan Realisasi RUPSLB Ketiga Tahun Agenda, Resolution and Realization of the Third EGMS
2022 2022
Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
1 Persetujuan Tidak terdapat pemegang Pengambilan 1. Menyetujui perubahan Anggaran Dasar Perubahan Anggaran
Perubahan Anggaran saham dan/atau kuasa keputusan dilakukan Perseroan, sebagaimana telah disampaikan Dasar Perseroan
Dasar Perseroan. pemegang saham secara musyawarah menjadi sebagai berikut: telah direalisaskan
yang menyampaikan untuk mufakat - Pasal 13 ayat 8 terkait remunerasi dan dituangkan
pertanyaan dan/atau Direksi “Gaji, uang jasa, dan tunjangan dalam Akta No. 21
pendapat/usulan. lainnya (jika ada) bagi anggota Direksi tanggal 9 Desember
ditetapkan oleh RUPS dan wewenang 2022 dibuat di
tersebut oleh RUPS dapat dilimpahkan hadapan Notaris
kepada Dewan Komisaris dengan Ashoya Ratam,
memperhatikan ketentuan perundang- S.H. M.Kn, dan
undangan.” telah memperoleh
- Pasal 13 ayat 13 terkait remunerasi persetujuan dari
Direksi yang berhenti atau diberhentikan Menteri Hukum
sebelum masa jabatanya berakhir "Gaji, dan Hak Asasi
uang jasa dan tunjangan lainya (jika ada) Manusia Republik
bagi anggota Direksi yang berhenti atau Indonesia sesuai
diberhentikan sebagaimana dimaksud Surat Keputusannya
dalam Pasal 12.4 huruf a Anggaran tertanggal 11 Juli
Dasar, ditetapkan oleh RUPS.” 2022 No. AHU-
- Pasal 15 ayat 7 terkait remunerasi AH.01.03-0326274
Komisaris Utama dan Komisaris “Gaji, Tahun 2022 serta
uang jasa dan tunjangan lainnya (jika diumumkan dalam
ada) bagi Dewan Komisaris ditetapkan Berita Negara
oleh RUPS dengan memperhatikan Republik Indonesia
ketentuan peraturan perundang- No. 104 tanggal 30
undangan yang berlaku.” Desember 2022
- Pasal 15 ayat 16 terkait remunerasi Tambahan Berita
Dewan Komisaris yang berhenti atau Negara Republik
diberhentikan sebelum masa jabatannya Indonesia No.
berakhir "Gaji, uang jasa dan tunjangan 045582.
lainya (jika ada) bagi Dewan Komisaris
yang berhenti atau diberhentikan
sebagaimana dimaksud dalam Pasal
15.6 huruf a Anggaran Dasar, ditetapkan
oleh RUPS.”
Direksi dengan hak substitusi untuk
dengan perubahan Anggaran Dasar
Perseroan ke dalam akta Notaris dan
memberitahukannya kepada pihak yang
berwenang dan sehubungan dengan hal
tersebut untuk melakukan segala sesuatu
yang diperlukan sesuai dengan ketentuan

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
Persetujuan There were no Decision making 1. Approved the amendments to the The amendment
Perubahan Anggaran shareholders and/or is carried out Company's Articles of Association, as to the Company's
Dasar Perseroan. proxy of shareholders by deliberation submitted as follows: Articles of
who raised questions to reach a - Article 13 paragraph 8 related to Association has been
and/or opinions/ consensus remuneration of the Board of Directors realized and set
proposals. "Salaries, fees, and other benefits (if forth in Deed No. 21
any) for members of the Board of dated 9 December
Directors shall be determined by the 2022 made before
GMS and such authority by the GMS Notary Ashoya
may be delegated to the Board of Ratam, S.H. M.Kn,
Commissioners with due observance of and has obtained
statutory provisions." approval from the
- Article 13 paragraph 13 related to the Minister of Law
remuneration of Directors who quit or and Human Rights
are dismissed before their term ends of the Republic
"Salary, service fees and other benefits of Indonesia in
(if any) for members of the Board of accordance with his
Directors who quit or are dismissed Decree dated 11
as referred to in Article 12.4 letter a July 2022 No. AHU-
of the Articles of Association, shall be AH.01.03-0326274 of
determined by the GMS." 2022 and announced
- Article 15 paragraph 7 related in the State Gazette
to remuneration of President of the Republic of
Commissioner and Commissioner Indonesia No. 104
"Salary, service fees and other benefits dated 30 December
(if any) for the Board of Commissioners 2022 Supplement
shall be determined by the GMS with to the State Gazette
due observance of the prevailing laws of the Republic
and regulations." of Indonesia No.
- Article 15 paragraph 16 related to 045582.
the remuneration of the Board of
Commissioners who quit or are
dismissed before the end of their term
of office "Salary, service fees and
other benefits (if any) for the Board
of Commissioners who quit or are
dismissed as referred to in Article 15.6
letter a of the Articles of Association,
shall be determined by the GMS."
of Directors with the right of substitution
to restate the resolution relating to the
amendment of the Company's Articles
of Association into a Notarial deed and
notify it to the competent authorities
and in connection with this matter to do
everything necessary in accordance with
the provisions of the applicable laws and
regulations.

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
2 Persetujuan Tidak terdapat pemegang Pengambilan 1. Menyetujui pengunduran diri : Bapak Keputusan
Perubahan Susunan saham dan/atau kuasa keputusan dilakukan Purnomo B. Soetadi selaku Direktur berkenaan dengan
Pengurus Perseroan pemegang saham secara musyawarah Perseroan; terhitung sejak ditutupnya perubahan susunan
yang menyampaikan untuk mufakat Rapat disertai dengan ucapan terima kasih Pengurus Perseroan
pertanyaan dan/atau dan penghargaan atas jasa beliau selama telah dituangkan ke
pendapat/usulan. ini untuk kemajuan Perseroan; dalam akta Notaris
2. Menyetujui pemberhentian dengan No. 22 tanggal 9
hormat:
a. Bapak Iggi H. Achsien sebagai Komisaris Desember 2022 yang
Utama Perseroan merangkap Komisaris dibuat oleh Notaris
Independen; Ashoya Ratam, S.H.
b. Bapak Sulistyo Budi sebagai Komisaris M.Kn dan telah
Perseroan; memberitahukannya
c. Bapak KH. Marsudi Syuhud sebagai kepada pihak yang
Komisaris Perseroan; berwenang.
d. Bapak Achmad K. Permana sebagai
Direktur Utama Perseroan;
e. Bapak Avianto Istihardjo sebagai
Direktur Perseroan; dan
f. Bapak Awaldi sebagai Direktur
Perseroan
terhitung sejak ditutupnya Rapat
disertai dengan ucapan terima kasih
dan penghargaan atas jasa beliau-beliau
selama ini untuk kemajuan Perseroan.
3. Menyetujui pengangkatan :
a. Bapak Mardiasmo sebagai Komisaris
Utama Independen Perseroan;
b. Bapak Suwarta sebagai Komisaris
Independen Perseroan;
c. Bapak Indra Falatehan sebagai Direktur
Utama Perseroan;
d. Bapak Suhendar sebagai Direktur
Perseroan; dan
e. Bapak Wahyu Avianto sebagai Direktur
Perseroan.
terhitung sejak ditutupnya Rapat sampai
ditutupnya Rapat Umum Pemegang Saham
Tahunan Perseroan Tahun 2024, dengan
ketentuan:
a. bagi calon anggota Direksi Perseroan
yang belum memperoleh persetujuan
pengunduran diri dari Rapat Umum
Pemegang Saham dimana calon
anggota Direksi pada saat Rapat ini
ditutup masih bekerja dan belum
setelah memperoleh persetujuan Rapat
Umum Pemegang Saham Perseroan
dimana calon Angota Direksi menjabat
serta mendapat penetapan lulus
Penilaian Kemampuan dan Kepatutan
dari OJK. Dalam hal yang bersangkutan
dinyatakan tidak lulus Penilaian
Kemampuan dan Kepatutan (Fit and
Proper Assessment), maka pengangkatan
yang bersangkutan menjadi batal tanpa
diperlukan lagi suatu keputusan dari
Rapat Umum Pemegang Saham; dan
b. bagi calon anggota Direksi dan Dewan
Komisaris Perseroan yang belum
setelah memperoleh penetapan lulus
Penilaian Kemampuan dan Kepatutan
dari OJK. Dalam hal yang bersangkutan
dinyatakan tidak lulus Penilaian
Kemampuan dan Kepatutan (Fit and
Proper Assessment), maka pengangkatan
yang bersangkutan menjadi batal, tanpa
diperlukan lagi suatu keputusan dari
Rapat Umum Pemegang Saham.
dengan susunan Dewan Pengawas Syariah
serta perubahan anggota Dewan Komisaris
dan Direksi tersebut ke dalam akta Notaris
dan memberitahukannya kepada pihak
yang berwenang dan sehubungan dengan
hal tersebut untuk melakukan segala
sesuatu yang diperlukan sesuai dengan
berlaku.

Jumlah Pemegang
Saham yang
Mengajukan
Pengambilan
No Agenda Keputusan
Decision Making
Approval of Changes There were no Decision making 1. Approved the resignation of : Mr. Purnomo The decision
in the Composition shareholders and/or is carried out by B. Soetadi as Director of the Company; regarding the
of the Company's proxies of shareholders deliberation for effective as of the closing of the Meeting changes in the
Management who raised questions consensus accompanied by gratitude and appreciation composition of
and/or opinions/ for his services so far for the progress of the the Company's
proposals. Company; Management has
2. Approved the dismissal with honor of: been set forth
a. Mr. Iggi H. Achsien as President
Commissioner of the Company and in Notarial deed
concurrently Independent Commissioner; No. 22 dated
b. Mr. Sulistyo Budi as Commissioner of the December 9, 2022
Company; made by Notary
c. Mr. KH Marsudi Syuhud as Commissioner Ashoya Ratam,
of the Company; S.H. M.Kn and has
d. Mr. Achmad K. Permana as President been notified to
Director of the Company; the competent
e. Mr. Avianto Istihardjo as Director of the authorities.
Company; and
f. Mr. Awaldi as Director of the Company
as of the closing of the Meeting along with
gratitude and appreciation for their services
so far for the progress of the Company.
3. Approved the appointment of:
a. Mr. Mardiasmo as Independent President
Commissioner of the Company;
b. Mr. Suwarta as Independent
Commissioner of the Company;
c. Mr. Indra Falatehan as President Director
of the Company;
d. Mr. Suhendar as Director of the
Company; and
e. Mr. Wahyu Avianto as Director of the
Company.
as of the closing of the Meeting until the
management of the Company, namely until
the closing of the Annual General Meeting of
Shareholders of the Company in 2024, with
the following provisions:
a. for prospective members of the Board
of Directors of the Company who
have not obtained approval for their
resignation from the General Meeting
of Shareholders where the prospective
member of the Board of Directors is
still working at the time of the closing
of this Meeting and have not obtained
a determination of passing the Fit and
Proper Assessment from the OJK, their
appointment will be effective after
obtaining approval from the General
Meeting of Shareholders of the Company
where the prospective member of the
Board of Directors serves and obtaining
Proper Assessment from the OJK. In
the event that the person concerned is
Proper Assessment, the appointment
shall be void without the need for a
resolution from the General Meeting of
Shareholders; and
b. for prospective members of the
Company's Board of Directors and Board
of Commissioners who have not obtained
Proper Assessment from the OJK, their
appointment will become effective after
obtaining a determination of passing the
Fit and Proper Assessment from the OJK.
In the event that the person concerned is
Proper Assessment, his/her appointment
shall become void, without the need for
a resolution from the General Meeting of
Shareholders.
of Directors with the right of substitution,
to restate the resolution regarding the
composition of the Sharia Supervisory
Board and changes in the members of the
Board of Commissioners and Board of
Directors in a Notarial deed and notify the
competent authorities and in connection
with this matter to do everything necessary
in accordance with the provisions of the
applicable laws and regulations.


Seluruh hasil keputusan RUPS Luar Biasa Ketiga tanggal 29 All resolutions of the Third Extraordinary GMS dated 29
November 2022 telah direalisasikan pada tahun 2022. November 2022 have been realized in 2022.
KEPUTUSAN DAN REALISASI RUPS TAHUN RESOLUTION AND REASLIZATION OF PREVIOUS

SEBELUMNYA YEAR'S GMS
Keputusan RUPS Tahunan Resolution of the Annual General Meeting of

29 April 2021 Shareholders April 29, 2021
Keputusan Realisasi
Resolution Realization
Agenda 1: Persetujuan Laporan Tahunan Perseroan Tahun Buku 2020 termasuk Laporan Tugas Pengawasan Dewan Komisaris dan Dewan
Pengawas Syariah untuk Tahun Buku 2020 serta Pengesahan Laporan Keuangan Perseroan untuk Tahun Buku 2020
Agenda 1: Approval of the Company's Annual Report for the Financial Year 2020, including the Board of Commissioners and Sharia
Supervisory Board Oversight Report for the Financial Year 2020, and Ratification of the Company's Financial Statements for the
Financial Year 2020.
Menyetujui Laporan Tahunan Perseroan Tahun Buku 2020 termasuk Laporan Tugas Sudah direalisasikan pada tahun 2021 dan Laporan
Pengawasan Dewan Komisaris dan Dewan Pengawas Syariah untuk Tahun Buku 2020 dan Tahunan Perseroan telah disampaikan kepada OJK
mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2020. Selanjutnya dengan melalui surat No. 053/B/PRD-SRT/IV/2021 dan No. 054/B/
telah disetujuinya Laporan Tahunan Perseroan Tahun Buku 2020 termasuk Laporan Tugas PRD-SRT/IV/2021 tanggal 7 April 2021 kepada pihak-pihak
Pengawasan Dewan Komisaris dan Dewan Pengawas Syariah untuk Tahun Buku 2020 serta terkait dan kepada lembaga-lembaga terkait.
disahkannya Laporan Keuangan Perseroan untuk Tahun Buku 2020, maka berarti Rapat
telah memberikan pelunasan dan pembebasan tanggung jawab 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.
Approved the Company's Annual Report for the 2020 Financial Year including the Report
on the Supervisory Duties of the Board of Commissioners and the Sharia Supervisory It has been realized in 2021 and the Company's Annual
Board for the 2020 Financial Year and ratified the Company's Financial Statements for Report has been submitted to OJK through letter No.
the 2020 Financial Year. Furthermore, with the approval of the Company's Annual Report 053/B/PRD-SRT/IV/2021 and No. 054/B/PRD-SRT/IV/2021
for the 2020 Financial Year, including the Report on the Supervisory Duties of the Board dated April 7, 2021 to related parties and to related
of Commissioners and the Sharia Supervisory Board for the 2020 Financial Year and the institutions.
ratification of the Company's Financial Statements for the 2020 Financial Year, it means
that the Meeting has given full release and discharge (volledig acquit et de charge) to
the members of the Board of Directors, the Board of Commissioners and the Sharia
Supervisory Board of the Company for the management and supervision of the Company
that has been carried out during the 2020 Financial Year, as long as these actions are
reflected in the Company's Annual Report and Financial Statements for the 2020 Financial
Year and do not constitute a criminal offense or violation of the provisions of applicable
laws and regulations.
Agenda 2: Persetujuan Penggunaan Laba Bersih Perseroan untuk Tahun Buku 2020
Agenda 2: Approval on the Use of the Company's Net Income for the Financial Year 2020
Menyetujui laba bersih Perseroan untuk Tahun Buku 2020 setelah pajak sebesar Sudah direalisasikanpada tahun 2021 dan Laba bersih
Rp10.019.739.277 (sepuluh miliar Sembilan belas juta tujuh ratus tiga puluh Sembilan ribu Perseroan untuk Tahun Buku 2020 tidak dibagikan dan
dua ratus tujuh puluh tujuh Rupiah) seluruhnya dipergunakan untuk cadangan Perseroan, dipergunakan untuk cadangan Perseroan.
sehingga tidak diadakan pembagian dividen atas laba bersih Perseroan Tahun Buku 2020.
Approved that the Company's net profit for the Financial Year 2020 after tax amounting
to Rp10,019,739,277 (ten billion nineteen million seven hundred thirty nine thousand two It has been realized in 2021 and the Company's net profit
hundred seventy seven Rupiah) will be used entirely for the Company's reserves, so that for the Financial Year 2020 is not distributed and used for
no dividend distribution will be made on the Company's net profit for the Financial Year the Company's reserves.
2020.

Keputusan Realisasi
Agenda 3: Penunjukan Kantor Akuntan Publik untuk melakukan audit Laporan Keuangan Perseroan Tahun Buku 2021 dan audit lain yang
dibutuhkan Perseroan.
Agenda 3: Appointment of Public Accountant Firm to audit the Company's Financial Statements for the Financial Year 2021 and other audits
required by the Company.
Menyetujui untuk memberikan kewenangan kepada Dewan Komisaris Perseroan untuk Sudah direalisasikan pada tahun 2021 dan Dewan
menunjuk, mengakhiri dan/atau mengganti Kantor Akuntan Publik untuk mengaudit Komisaris telah menunjuk Kantor Akuntan Publik untuk
Laporan Keuangan Perseroan Tahun Buku 2021 dan/atau audit lain yang dibutuhkan mengaudit Laporan Keuangan Perseroan Tahun Buku
Perseroan serta menetapkan jumlah honorarium dan persyaratan lainnya yang wajar 2021 berdasarkan rekomendasi dari Komite Audit.
bagi Kantor Akuntan Publik tersebut. Pemberian kewenangan kepada Dewan Komisaris Penunjukan berdasarkan surat Dewan Komisaris tanggal
Perseroan tersebut diusulkan untuk efektifitas proses penunjukan, pengakhiran, dan/ 30 November 2021 dan telah dilaporkan kepada OJK
atau penggantian Kantor Akuntan Publik yang sesuai dengan kondisi Perseroan dan akan melalui surat No. 207/B/FND-SRT/XII/2021 tanggal 13
dilaksanakan dengan kriteria atau batasan yang dianggap sesuai oleh Dewan Komisaris Desember 2021.
Perseroan dengan kondisi Perseroan
Approved to authorize the Board of Commissioners of the Company to appoint, terminate

and/or replace the Public Accounting Firm to audit the Company's Financial Statements for It has been realized in 2021 and the Board of
the Financial Year 2021 and/or other audits required by the Company and determine the Commissioners has appointed a Public Accountant Firm
amount of honorarium and other reasonable requirements for the Public Accounting Firm. to audit the Company's Financial Statements for the 2021
The granting of authority to the Board of Commissioners of the Company is proposed Financial Year based on recommendations from the Audit
for the effectiveness of the process of appointment, termination, and/or replacement of Committee. The appointment is based on the Board of
the Public Accounting Firm in accordance with the conditions of the Company and will be Commissioners' letter dated November 30, 2021 and has
carried out with criteria or limits deemed appropriate by the Board of Commissioners of been reported to OJK through letter No. 207/B/FND-SRT/
the Company with the conditions of the Company. XII/2021 dated December 13, 2021.
Agenda 4: Persetujuan tindakan penjaminan aset Perseroan sebagai jaminan utang Perseroan atau pihak lain atas fasilitas pembiayaan
yang akan diberikan oleh PT Sarana Multigriya Finansial dan/atau pihak lain.
Agenda 4: Approval of the pledge of the Company's assets as collateral for the Company's or other parties' debt for the financing facilities to
be provided by PT Sarana Multigriya Finansial and/or other parties.
Menyetujui dan memberikan kewenangan kepada Direksi Perseroan untuk melakukan Transaksi dengan PT Sarana Multigriya Finansial telah
tindakan penjaminan aset Perseroan sebagai jaminan utang Perseroan atau pihak lain atas direalisasikan
fasilitas pembiayaan yang akan diberikan oleh PT Sarana Multigriya Finansial dan/atau
pihak lain
Approved and authorized the Board of Directors to pledge the Company's assets as Transactions with PT Sarana Multigriya Finansial have
collateral for the Company's or other parties' debt for financing facilities to be provided by been realized.
PT Sarana Multigriya Finansial and/or other parties
Alasan Belum Terealisasinya Keputusan Reasons 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.

Keputusan RUPS Luar Biasa Pertama Decision of the First Extraordinary GMS
29 April 2021 29 April 2021 April 29, 2021
Keputusan Realisasi
Agenda 1: Persetujuan rencana Perseroan atas rangkaian transaksi yang terdiri dari:
a. Transaksi penjualan aset
b. Transaksi pembelian surat berharga
c. Transaksi penerbitan Sukuk/Pinjaman Syariah.
Agenda 1: Approval of the Company's plan for a series of transactions consisting of:
a. Asset sales transactions
b. Securities purchase transactions
c. Sukuk/Sharia Loan issuance transactions.
1. Menyetujui pelaksanaan RangkaianTransaksi sebagai berikut: a. Transaksi Penjualan Aset,
a. Penjualan Aset Perseroan berupa pembiayaan pada nilai buku (at par), sampai b. Transaksi Pembelian Surat Berharga, dan
dengan Rp10 triliun (sepuluh triliun Rupiah); c. Transaksi Penerbitan Sukuk/Pinjaman Syariah telah
b. Pembelian surat berharga berupa Sukuk dengan nilai nominal senilai Rp13,1 triliun direalisasikan pada tanggal 15 November 2021.
(tiga belas koma satu triliun Rupiah) dan tenor selama 20 (dua puluh) tahun; dan
c. Penerbitan surat berharga berupa Sukuk atau transaksi fasilitas pembiayaan senilai
Rp2,4 triliun (dua koma empat triliun Rupiah) dengan tenor selama 20 (dua puluh)
tahun.
2. Memberikan kewenangan kepada Direksi Perseroan untuk melaksanakan Transaksi dan
segala tindakan yang dianggap perlu dalam melaksanakan Transaksi.
1. Approved the implementation of the following Series of Transactions:

a. Sale of the Company's Assets in the form of financing at book value (at par), up to
Rp10 trillion (ten trillion Rupiah); a. Asset Sale Transaction,
b. Purchase of securities in the form of Sukuk with a nominal value of Rp13.1 trillion b. Securities Purchase Transaction, and
(thirteen point one trillion Rupiah) and a tenor of 20 (twenty) years; and c. The Sukuk / Sharia Loan Issuance Transaction has been
c. Issuance of securities in the form of Sukuk or financing facility transactions worth realized on November 15, 2021.
Rp2.4 trillion (two point four trillion Rupiah) with a tenor of 20 (twenty) years.
2. Authorized the Board of Directors of the Company to carry out the Transaction and all
actions deemed necessary in carrying out the Transaction.
Menyetujui untuk melakukan pembahasan dan persetujuan atas rencana PUT VI pada Pembahasan dan persetujuan atas rencana PUT VI telah
RUPS selanjutnya dilakukan pada RUPSLB tanggal 30 Agustus 2021.
Approved the discussion and approval of the PUT VI plan at the next GMS Discussion and approval of the PUT VI plan was carried
out at the EGMS on 30 August 2021.

Seluruh hasil keputusan RUPS Luar Biasa Pertama tanggal 29 All of the resolutions of the First Extraordinary GMS on 29
April 2021 telah direalisasikan pada tahun 2021. April 2021 have been realized in 2021.

Keputusan RUPS Luar Biasa Kedua Resolution of the Second Extraordinary General
30 Agustus 2021 Meeting August 30, 2021
Keputusan Realisasi
Agenda 1: Perubahan Anggaran Dasar Perseroan

Agenda 1: Amendment of the Company's Articles of Association
1. Menyetujui perubahan Anggaran Dasar Perseroan tentang Modal Dasar dan Nilai Perubahan Anggaran Dasar Perseroan telah direalisaskan
Nominal saham Perseroan sehingga untuk selanjutnya pada Pasal 4 ayat 1 berbunyi dan dan dituangkan dalam Akta No. 51 tanggal 30 Agustus
harus dibaca sebagai berikut: Modal dasar Perseroan berjumlah Rp5.600.000.000.000 2021 dibuat di hadapan Notaris Ashoya Ratam, S.H. M.Kn,
(lima triliun enam ratus miliar rupiah), yang terbagi atas 83.173.350.825 (delapan puluh dan telah memperoleh persetujuan dari Menteri Hukum
tiga miliar seratus tujuh puluh tiga juta tiga ratus lima puluh ribu delapan ratus dua dan Hak Asasi Manusia Republik Indonesia sesuai Surat
puluh lima) saham, yang terdiri dari: Keputusannya tertanggal 25 September 2021 No. AHU-
a. Sejumlah 826.649.175 (delapan ratus dua puluh enam juta enam ratus empat 0052441. AH.01.02. Tahun 2021 serta pemberitahuan atas
puluh sembilan ribu seratus tujuh puluh lima) Saham Seri A masing-masing perubahan anggaran dasarnya telah diterima dan dicatat
dengan nilai nominal Rp200,- (dua ratus Rupiah) atau seluruhnya bernilai nominal oleh Menteri Hukum dan Hak Asasi Manusia Republik
Rp165.329.835.000 (seratus enam puluh lima miliar tiga ratus dua puluh Sembilan Indonesia sesuai suratnya tertanggal 25 September
juta delapan ratus tiga puluh lima ribu Rupiah); 2021 No. AHUAH.01.03-0453018 serta diumumkan
b. Sejumlah 42.346.701.650 (empat puluh dua miliar tiga ratus empat puluh enam dalam Berita Negara Republik Indonesia No. 78 tanggal
juta tujuh ratus satu ribu enam ratus lima puluh) Saham Seri B masing-masing 28 September 2021 Tambahan Berita Negara Republik
dengan nilai nominal Rp100 (seratus Rupiah) atau seluruhnya bernilai nominal Indonesia No. 030306.
Rp4.234.670.165.000 (empat triliun dua ratus tiga puluh-empat miliar enam ratus
tujuh puluh juta seratus enam puluh lima ribu Rupiah); dan
c. Sejumlah 40.000.000.000 (empat puluh miliar) Saham Seri C masing-masing
dengan nilai nominal Rp30 (tiga puluh Rupiah) atau seluruhnya bernilai nominal
Rp1.200.000.000.000,- (satu triliun dua ratus miliar Rupiah).
2. Menyetujui perubahan Anggaran Dasar Perseroan atas beberapa pasal termasuk
namun tidak terbatas pada Pasal 4, 8, 9, 10, 11, 18 sebagaimana konsep dalam matriks
yang ditayangkan dalam Rapat, yang 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.
1. Approved the amendment to the Company's Articles of Association regarding the Amendment to the Company's Articles of Association
Authorized Capital and Nominal Value of the Company's shares, so that henceforth, the has been realized and set forth in Deed No. 51 dated 30
Article 4 paragraph 1 would read and should read as follows: The authorized capital of August 2021 made before Notary Ashoya Ratam, S.H.
the Company amounts to Rp5,600,000,000,000 (five trillion six hundred billion rupiah), M.Kn, and has obtained approval from the Minister of
which is divided into 83,173,350,825 (eighty three billion one hundred seventy three Law and Human Rights of the Republic of Indonesia in
million three hundred fifty thousand eight hundred twenty five) shares, consisting of: accordance with his Decree dated 25 September 2021
a. 826,649,175 (eight hundred twenty-six million six hundred forty-nine thousand one No. AHU-0052441. AH.01.02. Year 2021 and notification
hundred seventy-five) Series A Shares, each with a nominal value of Rp200, - (two of the amendment to the articles of association has
hundred Rupiah), or a total nominal value of Rp165,329,835,000 (one hundred sixty- been received and recorded by the Minister of Law
five billion three hundred twenty-nine million eight hundred thirty-five thousand and Human Rights of the Republic of Indonesia in
Rupiah); accordance with his letter dated September 25, 2021,
b. 42,346,701,650 (forty-two billion three hundred forty-six million seven hundred one No. AHUAH.01.03-0453018 and announced in the State
thousand six hundred fifty) Series B Shares, each with a nominal value of Rp100 (one Gazette of the Republic of Indonesia No. 78 dated
hundred Rupiah), or in the aggregate nominal value of Rp4,234,670,165,000 (four September 28, 2021 Supplement to the State Gazette of
trillion two hundred thirty-four billion six hundred seventy million one hundred sixty- the Republic of Indonesia No. 030306.
five thousand Rupiah); and
c. 40,000,000,000 (forty billion) Series C Shares each with a nominal value of Rp30
(thirty Rupiah) or in the aggregate nominal value of Rp1,200,000,000,000 (one trillion
two hundred billion Rupiah).
2. Approved the amendments to the Company's Articles of Association on several articles
including but not limited to Articles 4, 8, 9, 10, 11, 18 as drafted in the matrix displayed
in the Meeting, which are included in the framework of adjustments and related to POJK
No.14/POJK.04/2019 concerning Amendments to POJK No.32/POJK.04/2015 concerning
Capital Increase of Public Companies with Pre-emptive Rights, POJK No.15/POJK.04/2020
concerning Planning and Organizing General Meetings of Shareholders of Public
Companies and POJK No.16/POJK.04/2020 concerning Implementation of Electronic
General Meetings of Shareholders of Public Companies.
3. Approved the authorization to the Board of Directors of the Company with the right
of substitution, to restate the decision regarding the amendment and preparation
and restate all provisions of the Company's Articles of Association into a Notarial deed
and to apply for approval and submit a notification of the amendment to the Articles
of Association to the competent authorities and in connection with this matter to do
everything necessary in accordance with the provisions of the applicable laws and
regulations.

Keputusan Realisasi
Agenda 2: Persetujuan rencana penambahan modal dengan Memberikan Bank Muamalat

Hak Memesan Indonesia's
Efek Terlebih Dahulucontrolling
(“PMHMETD”)party owns 25%
Agenda 2: Approval of capital increase plan with Pre-emptive Rights ("PMHMETD")
1. Menyetujui pelaksanaan Rencana Penambahan Modal dengan memberikan Hak • Bank Muamalat telah menyelesaikan proses
Memesan Efek Terlebih Dahulu (“PMHMETD”), dengan persyaratan dan ketentuan Penambahan Modal dengan Memberikan Hak
sebagai berikut: Memesan Efek Terlebih Dahulu (“PMHMETD”) yang
a. Penerbitan Saham baru Perseroan paling banyak 40.000.000.000 (empat puluh berlangsung pada tanggal 30 Desember 2021 sampai
miliar) Saham Seri C dengan nilai nominal Rp30 (tiga puluh Rupiah) setiap saham, dengan penjatahan saham tanggal 12 Januari 2022.
dengan harga pelaksanaan sebesar Rp30,- (tiga puluh Rupiah)/ lembar saham. • Peningkatan modal ditempatkan dan disetor setelah
Dengan demikian, jika saham baru tersebut seluruhnya diambil oleh Pemegang pelaksanaan pengeluaran saham dalam rangka
Saham Perseroan maka, modal ditempatkan dan disetor Perseroan akan meningkat PMHMETD telah selesai dilaksanakan dan dituangkan
dari 10.207.702.335 (sepuluh miliar dua ratus tujuh juta tujuh ratus dua ribu dalam Akta No. 18 tanggal 28 Januari 2022 dibuat
tiga ratus tiga puluh lima) Saham atau seluruhnya dengan nilai nominal sebesar di hadapan Notaris Ashoya Ratam S.H. M.Kn, dan
Rp1.103.435.151.000 (satu triliun seratus tiga miliar empat ratus tiga puluh lima juta pemberitahuan atas perubahan anggaran dasarnya
seratus lima puluh satu ribu rupiah), menjadi paling banyak sejumlah 50.207.702.335 telah diterima dan dicatat oleh Menteri Hukum dan
(lima puluh miliar dua ratus tujuh juta tujuh ratus dua ribu tiga ratus tiga puluh Hak Asasi Manusia Republik Indonesia sesuai suratnya
lima) Saham yang terdiri dari Saham Seri A, Saham Seri B dan Saham Seri C, dengan tertanggal 31 Januari 2022 No. AHUAH.01.03-0070769
jumlah nominal seluruhnya sebesar Rp2.303.435.151.000 (dua triliun tiga ratus tiga serta diumumkan dalam Berita Negara Republik
miliar empat ratus tiga puluh lima juta seratus lima puluh satu ribu rupiah). Indonesia No. 10 tanggal 3 Februari 2022 Tambahan
b. Penerbitan saham baru tersebut, akan dilakukan dengan cara penerbitan HMETD Berita Negara Republik Indonesia No. 004853.
kepada para Pemegang Saham Perseroan. Jumlah saham yang akan diterbitkan serta
rasio jumlah HMETD terhadap saham yang akan diterbitkan akan diinformasikan
dalam prospektus PMHMETD mendatang.
c. Jumlah saham yang ditawarkan dalam PMHMETD dengan cara penerbitan HMETD
tersebut, adalah jumlah maksimum saham baru yang diterbitkan, yang seluruhnya
akan dikeluarkan dari portepel dengan memperhatikan peraturan perundangan
yang berlaku. Saham hasil pelaksanaan PMHMETD ini, memiliki hak yang sama
dan sederajat dalam segala hal dengan saham yang telah disetor penuh lainnya,
termasuk hak untuk memperoleh dividen.
d. Setiap PMHMETD dalam bentuk pecahan akan dibulatkan ke bawah (round down).
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
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

Keputusan Realisasi
1. Approved the implementation of the Capital Increase Plan by granting Pre-emptive • Bank Muamalat has completed the process of Capital
Rights ("Rights Issue"), with the following terms and conditions: Increase with Pre-emptive Rights ("Rights Issue") which
a. Issuance of new Shares of the Company of a maximum of 40,000,000,000 (forty took place on December 30, 2021 until the allotment of
billion) Series C Shares with a nominal value of Rp30 (thirty Rupiah) per share, with shares on January 12, 2022.
an exercise price of Rp30 (thirty Rupiah)/share. Thus, if the new shares are fully • The increase in issued and paid-up capital after the
subscribed by the Shareholders of the Company, the issued and paid-up capital issuance of shares in the framework of Rights Issue
of the Company will increase from 10,207,702,335 (ten billion two hundred seven has been completed and set forth in Deed No. 18
million seven hundred two thousand three hundred thirty five) Shares or in total with dated January 28, 2022 made before Notary Ashoya
a nominal value of Rp1,103,435,151,000 (one trillion one hundred three billion four Ratam S.H. M.Kn, and notification of the amendment
hundred thirty five million one hundred fifty one thousand Rupiah), to a maximum of to the articles of association has been received and
50. 207,702,335 (fifty billion two hundred seven million seven hundred two thousand recorded by the Minister of Law and Human Rights of
three hundred thirty five) Shares consisting of Series A Shares, Series B Shares and the Republic of Indonesia in accordance with his letter
Series C Shares, with a total nominal value of Rp2,303,435,151,000 (two trillion three dated January 31, 2022 No. AHUAH.01.03-0070769
hundred three billion four hundred thirty five million one hundred fifty one thousand and announced in the State Gazette of the Republic of
rupiah). Indonesia No. 10 dated February 3, 2022 Supplement
b. The issuance of the new shares will be carried out by issuing Pre-emptive Rights to to the State Gazette of the Republic of Indonesia No.
the Shareholders of the Company. The number of shares to be issued as well as the 004853.
ratio of the number of Pre-emptive Rights to the shares to be issued will be informed
in the upcoming Rights Issue prospectus.
c. The number of shares offered in the Rights Issue is the maximum number of new
shares issued, all of which will be issued from the portepel with due observance of
the prevailing laws and regulations. The shares resulting from the Rights Issue shall
have the same and equal rights in all respects with other fully paid shares, including
the right to receive dividends.
d. Each Rights Issue in the form of fractions will be rounded down
e. If the shares offered in this Rights Issue are not fully subscribed by the Pre-emptive
Rights holders, then the remainder will be allocated to other Pre-emptive Rights
holders who subscribe more than their rights proportionally, based on the number of
Pre-emptive Rights that have been exercised by each Pre-emptive Rights holder who
wants additional shares based on the subscription price. If after the allocation there
are still remaining Pre-emptive Rights that have not been exercised, then all of the
remaining Pre-emptive Rights will be purchased in whole/part by the Standby Buyer
(if any) and if not purchased in whole/part by the Standby Buyer, the shares will not
be issued from the portepel. As additional information, the Company will not list the
shares offered in this Rights Issue on the Stock Exchange.
f. Existing shareholders who do not exercise their rights to purchase new shares
offered in this Rights Issue in accordance with their Pre-emptive Rights will
experience a decrease in the percentage of share ownership or dilution.
g. Proceeds from the Rights Issue after deducting issuance costs, will be used to
strengthen the Company's capital structure, to develop sharia financing activities
which are part of the Company's main business activities and other purposes that
can support the Company's business growth.
2. Approved to grant authority and power to the Board of Commissioners of the Company
to declare the certainty of the number of shares issued in the framework of Rights
Issue and the increase in issued and paid-up capital after the shares issuance in the
framework of Rights Issue has been completed; and
3. Granted power and authority to the Board of Directors of the Company, with the right
of substitution, to take all and any necessary actions in connection with the Rights Issue,
including but not limited to:
a. take all and any necessary actions in relation to the Rights Issue, all with due
observance of the provisions of the prevailing laws and regulations, including Capital
Market regulations; and
b. state/pour out the resolution 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 the increase in issued and paid-up
capital after the Rights Issue is completed);
- one and other as required by and in accordance with the applicable laws and
regulations to make or order to make and sign deeds and letters and documents
required, to appear before the authorized parties/officials including notaries,
and subsequently to submit applications to the authorized parties/officials, to
obtain approval and/or submit notifications of the resolutions of this Meeting
and/or of the amendments to the Company's Articles of Association based on
the resolutions of this Meeting, and to take all and any necessary actions, in
accordance with the applicable laws and regulations. Provided that, specifically
for the determination of the amount of issued and paid-up capital and changes in
authorized capital (if needed) will be carried out by the Board of Directors with the
approval of the Board of Commissioners

Keputusan Realisasi
Agenda 3: Persetujuan penerbitan instrumen subordinasi oleh Perseroan.

Agenda 3: Approval of the issuance of subordinated instruments by the Company.
1. Menyetujui penerbitan Instrumen Subordinasi dengan nilai sebanyak-banyaknya Penerbitan Instrumen Subordinasi oleh Perseroan telah
Rp2.000.000.000.000,- (dua triliun rupiah) atau setara dengan nilai lain yang akan selesai dilaksanakan pada 15 Maret 2022.
disesuaikan dengan kebutuhan Perseroan secara sekaligus maupun bertahap; dan;
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.
1. Approved the issuance of Subordinated Instruments with a maximum value of The issuance of Subordinated Instruments by the
Rp2,000,000,000,000,- (two trillion rupiah) or equivalent to other values that will be Company has been completed on March 15, 2022.
adjusted to the needs of the Company at once or gradually; and;
2. Authorized the Board of Directors of the Company to take all necessary actions in
relation to the issuance of the Subordinated Instruments, including to determine the
structure, scheme and contract of the Subordinated Instruments, as well as other
matters relating to the issuance of the Subordinated Instruments.
Agenda 4: Persetujuan perubahan susunan pengurus Perseroan.

Agenda 4: Approval of changes in the composition of the Company's management.
1. Menyetujui penunjukan Bapak Dr. H. Agung Danarto, M.Ag sebagai Anggota Dewan • Sehubungan dengan pengangkatan Dr. H. Agung
Pengawas Syariah Perseroan yang baru. Danarto, M.Ag sebagai anggota Dewan Pengawas
2. Maka susunan selengkapnya Dewan Pengawas Syariah Perseroan menjadi sebagai Syariah Perseroan, yang bersangkutan telah
berikut: mendapatkan persetujuan OJK tanggal 7 Juli 2022.
Dewan Pengawas Syariah • Keputusan berkenaan dengan pengangkatan anggota
• Ketua: Bapak Drs. H. Sholahudin Al-Aiyub, M.Si Dewan Pengawas Syariah Perseroan telah ditungkan
• Anggota: Ibu Hj. Siti Haniatunnisa, LLB., MH ke dalam akta Notaris No. 52 tanggal 30 Agustus 2021
• Anggota: Dr. H. Agung Danarto, M.Ag yang dibuat oleh Notaris Ashoya Ratam, S.H. M.Kn
dengan ketentuan bahwa: dan telah memberitahukannya kepada pihak yang
pengangkatan Bapak Dr. H. Agung Danarto, M.Ag selaku anggota Dewan Pengawas berwenang
Syariah Perseroan, akan berlaku efektif setelah memperoleh persetujuan dari
OJK. Dalam hal yang bersangkutan tidak memperoleh persetujuan dari OJK, maka
pengangkatan yang bersangkutan menjadi batal, tanpa diperlukan lagi suatu keputusan
dari Rapat Umum Pemegang Saham.
3. Menyetujui pemberian kuasa kepada Direksi guna mewakili Perseroan untuk
menandatangani perjanjian dengan Bapak Dr. H. Agung Danarto, M.Ag sehubungan
dengan pengangkatannya selaku anggota Dewan Pengawas Syariah Perseroan.
4. Menyetujui pemberian kuasa kepada Direksi dengan hak substitusi, untuk menyatakan
kembali keputusan berkenaan dengan pengangkatan anggota Dewan Pengawas Syariah
Perseroan tersebut ke dalam akta Notaris dan memberitahukannya kepada pihak yang
berwenang dan sehubungan dengan hal tersebut untuk melakukan segala sesuatu yang
diperlukan sesuai dengan ketentuan peraturan perundangan yang berlaku
• In connection with the appointment of Dr. H. Agung
1. Approved the appointment of Mr. Dr. H. Agung Danarto, M.Ag as the new Member of Danarto, M.Ag as a member of the Company's Sharia
Sharia Supervisory Board of the Company. Supervisory Board, has obtained FSA approval on 7 July
2. Thus, the complete composition of the Company's Sharia Supervisory Board is as 2022.
follows: • The decision regarding the appointment of members
Sharia Supervisory Board of the Company's Sharia Supervisory Board has been
• Chairman: Mr. Drs. H. Sholahudin Al-Aiyub, M.Si recorded in Notarial Deed No. 52 dated August 30,
• Member: Mrs. Siti Haniatunnisa, LLB, MH 2021 made by Notary Ashoya Ratam, S.H. M.Kn and
• Member: Dr. H. Agung Danarto, M.Ag has been notified to the competent authorities.
with the provision that:
The appointment of Mr. Dr. H. Agung Danarto, M.Ag as a member of the Sharia
Supervisory Board of the Company, will be effective after obtaining approval from the
OJK. In the event that the person concerned failed to obtain approval from the OJK, then
the appointment concerned will be canceled, without the need for a resolution from the
General Meeting of Shareholders.
3. Approved the authorization to the Board of Directors to represent the Company to sign
an agreement with Mr. Dr. H. Agung Danarto, M.Ag in connection with his appointment
as a member of the Company's Sharia Supervisory Board.
4. Approved the authorization to the Board of Directors with the right of substitution, to
restate the resolution regarding the appointment of the members of the Company's
Sharia Supervisory Board into a Notarial deed and notify the competent authorities
and in connection with the matter to do everything necessary in accordance with the
provisions of the applicable laws and regulations

Seluruh hasil keputusan RUPS Luar Biasa Pertama tanggal 30 All of the resolutions of the First Extraordinary GMS on
Agustus 2021 telah direalisasikan pada tahun 2021. August 30, 2021 have been realized in 2021.

Informasi Pemegang Saham Utama/

Pengendali
Information on Majority/Controlling Shareholders
Pengendali Bank Muamalat Indonesia ialah pihak yang (twenty-five percent) or more of the Company's shares
memiliki saham Perseroan sebesar 25% (dua puluh lima of the total shares issued by the Bank. It has voting rights
persen) atau lebih dari jumlah saham yang dikeluarkan as referred to in OJK Regulation No. 39/POJK.03/2017
dan mempunyai hak suara sebagaimana dimaksud dalam concerning Sole Ownership in Indonesian Banking. As of
Peraturan OJK No. 39/POJK.03/2017 tentang Kepemilikan the issuance of this report, the main shareholder of Bank
Tunggal pada Perbankan Indonesia. Sampai dengan laporan Muamalat is the Hajj Financial Management Agency (BPKH),
ini diterbitkan, Pemegang saham utama Bank Muamalat with a shared ownership of 82.7% of the total shares
ialah Badan Pengelolaan Keuangan Haji (BPKH) dengan available. The following is a chart related to information on
kepemilikan saham sebesar 82,7% dari total keseluruhan the Bank's major shareholders:
saham yang ada. Berikut ialah bagan terkait informasi
pemegang saham utama Bank:
BPKH
82,7%
Pemegang Saham Lainnya

Islamic Development Bank
Other Shareholders
2,0% 15,3%
Bank Muamalat Indonesia
100,00%

Dewan Pengawas Syariah

Dewan Pengawas Syariah ialah salah satu organ Bank yang The Sharia Supervisory Board is one of the Bank's organs
berperan penting dalam penerapan prinsip-prinsip Good that plays an important role in implementing the principles
Corporate Governance. Berdasarkan pada Undang-Undang of Good Corporate Governance. Based on Law No. 21 of
No. 21 tahun 2008 tentang Perbankan Syariah, Bank 2008 concerning Islamic Banking, Bank Muamalat conducts
Muamalat menjalankan kegiatan usahanya berlandaskan business activities based on sharia principles that refer to
pada prinsip syariah yang mengacu pada fatwa yang fatwas issued by authorized institutions, namely the National
dikeluarkan oleh lembaga yang berwenang, yaitu Dewan Sharia Council-Majelis Ulama Indonesia (DSN-MUI).
Syariah Nasional–Majelis Ulama Indonesia (DSN–MUI).
Dewan Pengawas Syariah memiliki tugas dan fungsi utama The Sharia Supervisory Board has the main task and
untuk memastikan dan mengawasi kesesuaian kegiatan function to ensure and oversee the suitability of the Bank's
operasional bank terhadap fatwa yang dikeluarkan oleh DSN operational activities to the fatwas issued by the DSN MUI
MUI serta berperan dalam memberikan nasihat dan saran and plays a role in providing advice and suggestions to the
kepada Direksi. Hasil pengawasan Dewan Pengawas Syariah Board of Directors. The results of the Sharia Supervisory
atas Bank kemudian dilaporkan kepada Direktur Utama Board's supervision of the Bank are then reported to the
untuk ditindaklanjuti dan disampaikan kepada Otoritas Jasa President Director for follow-up and submitted to the
Keuangan (OJK) setiap semester. Financial Services Authority (OJK) every semester.
DASAR HUKUM LEGAL BASIS

Dasar hukum pembentukan dan pelaksanaan tugas Dewan The legal basis for the establishment and implementation of
Pengawas Syariah, ialah sebagai berikut: the duties of the Sharia Supervisory Board is as follows:
1. Undang Undang Republik Indonesia No. 40 tahun 2007 1. Law of the Republic of Indonesia No. 40 of 2007
tentang Perseroan Terbatas concerning 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 the
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;
4. Anggaran Dasar Bank Muamalat Indonesia 4. Articles of Association of Bank Muamalat Indonesia;
5. Akta tertanggal 20 Juli 2022 No. 20 dibuat dihadapan 5. Deed dated July 20, 2022, No. 20, made before Notary
Notaris Ashoya Ratam dan pemberitahuan atas Ashoya Ratam and notification of changes in company
perubahan data perseroan telah diterima dan dicatat data has been received and recorded by the Minister of
oleh Menteri Hukum dan Hak Asasi Manusia Republik Law and Human Rights of the Republic of Indonesia in
Indonesia sesuai suratnya tertanggal 21 Juli 2022 No. accordance with his letter dated July 21, 2022, No. AHU-
AHU-AH.01.09-0035247. AH.01.09-0035247.
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF THE

PENGAWAS SYARIAH SYARIAH SUPERVISORY BOARD
Tugas dan tanggung jawab Dewan Pengawas Syariah Bank The duties and responsibilities of the Sharia Supervisory
Muamalat Indonesia ialah sebagai berikut: Board of Bank Muamalat Indonesia are as follows:
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;
2. Menilai dan memastikan pemenuhan prinsip syariah 2. Assess and ensure the fulfillment of sharia principles
atas pedoman operasional dan produk yang telah on operational guidelines and products that have been
dikeluarkan Bank Muamalat Indonesia. issued by Bank 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 the development of products and services from Bank
Muamalat Indonesia yang memerlukan kajian dan fatwa Muamalat Indonesia that require review and fatwa from
dari DSN-MUI. DSN-MUI;

4. Mengawasi proses pengembangan produk baru dan 4. Supervise 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. Requesting a fatwa to DSN-MUI for new products of Bank
Bank Muamalat Indonesia yang belum ada fatwanya. Muamalat Indonesia for which there is no fatwa
6. Sebagai perwakilan DSN-MUI yang ditempatkan di Bank 6. As a representative of DSN-MUI placed in Bank Muamalat
Muamalat Indonesia, Dewan Pengawas Syariah wajib Indonesia, the Sharia Supervisory Board is required to
melaporkan atas hasil pengawasannya kepada DSN-MUI report on the results of its supervision to DSN-MUI and
dan OJK dalam waktu 6 (enam) bulan sekali. OJK within 6 (six) months;
7. Memberikan opini dari aspek syariah terhadap 7. Provide an opinion from the sharia aspect of the
pelaksanaan operasional Bank Muamalat Indonesia implementation of Bank Muamalat Indonesia's overall
secara keseluruhan dalam laporan publikasi Bank operations in the Bank Muamalat Indonesia publication
Muamalat Indonesia. report;
8. Melakukan review secara berkala atas pemenuhan 8. Conducting periodic reviews on the fulfillment of
prinsip syariah terhadap mekanisme penghimpunan sharia principles on the mechanism of raising funds
dana dan penyaluran dana serta pelayanan jasa Bank and channeling funds and services of Bank Muamalat
Muamalat Indonesia. Indonesia
9. Memberikan opini aspek syariah atas temuan/ 9. Provide sharia aspect opinion on 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 of the work unit at Bank Muamalat Indonesia in the
dalam rangka pelaksanaan tugasnya. context of carrying out its duties.
Adapun tugas dan tanggung jawab pengawasan DPS The duties and responsibilities of DPS supervision of Bank
terhadap proses pengembangan produk baru Bank Muamalat's new product development process are as
Muamalat ialah sebagai berikut: follows:
1. Meminta penjelasan dari pejabat Bank Muamalat 1. Request explanations from authorized Bank
Indonesia yang berwenang mengenai tujuan, Muamalat Indonesia officials regarding the objectives,
karakteristik, dan akad yang digunakan dalam produk characteristics, and contracts used in new products to be
baru yang akan dikeluarkan. issued;
2. Memeriksa apakah terhadap akad yang digunakan 2. Checking whether the contract used 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. In the event that there is a fatwa, the Sharia
Pengawas Syariah melakukan analisis atas Supervisory Board analyzes the suitability of the new
kesesuaian akad produk baru dengan fatwa DSNMUI. product contract with the DSNMUI fatwa.
b. Dalam hal belum terdapat fatwa, maka Dewan b. In the event that there is no fatwa, the Sharia
Pengawas Syariah mengusulkan kepada Direksi Bank Supervisory Board proposes to the Bank's Board of
untuk melengkapi akad produk baru dengan fatwa Directors to complete the new product contract with
dari DSN-MUI. a fatwa from DSN-MUI.
3. Review sistem dan prosedur produk baru yang akan 3. Review of systems and procedures for new products to
dikeluarkan terkait dengan pemenuhan prinsip syariah. be issued related to the fulfillment of sharia principles.
4. Memberikan pendapat syariah atas produk baru yang 4. Provide sharia opinion on new products to be issued.
akan dikeluarkan.
Tugas dan tanggung jawab pengawasan Dewan Pengawas The duties and responsibilities of the Sharia Supervisory
Syariah terhadap kegiatan Bank Muamalat ialah sebagai Board's supervision of Bank Muamalat's activities are as
berikut: follows:
1. Menganalisis laporan yang disampaikan oleh dan/atau 1. Analyzing reports submitted by and/or requested from
yang diminta dari Direksi, pelaksana fungsi audit intern the Board of Directors, implementing the internal audit
dan/atau fungsi kepatuhan untuk mengetahui kualitas function and/or compliance function to determine
pelaksanaan pemenuhan prinsip syariah atas kegiatan the quality of implementation of the fulfillment of
penghimpunan dana dan penyaluran dana serta sharia principles on the activities of raising funds and
pelayanan jasa Bank. channeling funds and services of the Bank.
2. Menetapkan jumlah uji petik (sampel) transaksi yang 2. Determining the number of samples of transactions to
akan diperiksa dengan memperhatikan kualitas be examined by taking into account the quality of the

pelaksanaan pemenuhan prinsip syariah dari masing- implementation of the fulfillment of sharia principles of
masing kegiatan. each activity.
3. Memeriksa dokumen transaksi yang diuji petik 3. Examine transaction documents that are tested
(sampel) untuk mengetahui pemenuhan prinsip syariah (samples) to determine the fulfillment of sharia principles
sebagaimana dipersyaratkan dalam Standar Operasional as required in the Standard Operating Procedure (SOP),
Prosedur (SOP), di antaranya: including:
a. Ada tidaknya bukti pembelian barang, untuk akad a. The presence or absence of proof of purchase
murabahah sebagai bukti terpenuhinya syarat jual- of goods for murabahah contracts is evidence of
beli murabahah. fulfilling the murabahah sale-purchase requirements.
b. Ada tidaknya laporan usaha nasabah, untuk akad b. The presence or absence of customer business
mudharabah/musyarakah, sebagai dasar melakukan reports, for mudharabah/musyarakah contracts, as
perhitungan distribusi bagi hasil. a basis for calculating profit-sharing distribution.
4. Memeriksa, mengamati, meminta keterangan dan/ atau 4. Examine, observe, request information and/or
konfirmasi kepada karyawan Bank Muamalat Indonesia confirmation to Bank Muamalat Indonesia employees
dan/atau nasabah untuk memperkuat hasil pemeriksaan and/or customers to strengthen the results of document
dokumen, apabila diperlukan. examination, if necessary.
5. Melakukan review terhadap prosedur terkait aspek 5. Conduct a review of procedures related to sharia aspects
syariah apabila terdapat indikasi ketidaksesuaian if there are indications of non-compliance with the
pelaksanaan pemenuhan prinsip syariah atas kegiatan fulfillment of sharia principles for the activity in question.
dimaksud.
6. Memberikan pendapat syariah atas kegiatan 6. Provide sharia opinion on the activities of raising funds
penghimpunan dana dan penyaluran dana serta and channeling funds and services of the Bank.
pelayanan jasa Bank.
7. Melaporkan hasil pengawasan Dewan Pengawas Syariah 7. Reporting the results of the supervision of the Sharia
kepada Direksi dan Dewan Komisaris. Supervisory Board to the Board of Directors and the
PEDOMAN DAN TATA TERTIB KERJA DEWAN SHARIA SUPERVISORY BOARD CHARTER
PENGAWAS SYARIAH
Pedoman dan tata tertib kerja Dewan Pengawas Syariah The guidelines and work rules of the Sharia Supervisory
Bank Muamalat merujuk pada ketentuan Peraturan Otoritas Board of Bank Muamalat refer to the provisions of the
Jasa Keuangan (POJK) Nomor 16/POJK.03/2022 Tentang Bank Financial Services Authority Regulation (POJK) Number 16/
Umum Syariah dan Board Manual Bank Muamalat No. CPL. POJK.03/2022 concerning Islamic Commercial Banks and
KBJ.013.2016, yang antara lain meliputi: Bank Muamalat's Board Manual No. CPL.KBJ.013.2016,
1. Fungsi which includes:
2. Persyaratan 1. Function;
3. Komposisi 2. Requirements;
4. Pengangkatan 3. Composition;
5. Rangkap Jabatan 4. Appointment;
6. Masa Jabatan dan Pemberhentian 5. Concurrent Position;
7. Program Orientasi Dan Peningkatan Kapabilitas 6. Term of Office and Dismissal
8. Standar Etika Dewan Pengawas Syariah 7. Orientation and Capability Enhancement Program;
8. Ethical Standards 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. Sharia Supervisory Board Work Procedure;
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 Relationship with the Board of Commissioners
and Board of Directors;
14. Pelaporan Dewan Pengawas Syariah 14. Sharia Supervisory Board Reporting;
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 FOR MEMBERS OF THE SHARIA

SYARIAH SUPERVISORY BOARD
Kriteria anggota Dewan Pengawas Syariah Bank merujuk The criteria for members of the Bank's Sharia Supervisory
pada ketentuan Pasal 60 POJK Nomor 16/POJK.03/2022 Board refer to the provisions of Article 60 POJK Number 16/
Tentang Bank Umum Syariah dan tertuang pada Board POJK.03/2022 concerning Islamic Commercial Banks and are
Manual Bank Muamalat No. CPL.KBJ.013.2016 dengan uraian contained in the Bank Muamalat Board Manual No. CPL.
sebagai berikut: KBJ.013.2016 with the following description:
1. Memiliki akhlak dan moral yang baik. 1. Have a good character and morals;
2. Memiliki komitmen untuk mematuhi peraturan 2. Have the commitment to comply with Islamic banking
perbankan syariah dan peraturan perundang-undangan regulations and other applicable laws and regulations.
lain yang berlaku.
3. Memiliki komitmen yang tinggi terhadap pengembangan 3. Have a high commitment to developing a sound and
Bank yang sehat dan tangguh (sustainable). resilient (sustainable) Bank.
4. Tidak termasuk dalam Daftar Tidak Lulus sesuai dengan 4. Not included in the List of Not Pass the Fit and Proper
ketentuan yang ditetapkan oleh Bank Indonesia dan/ Test, in accordance with the provisions stipulated by
atau Otoritas Jasa Keuangan. Bank Indonesia and/or the Financial Services Authority;
5. Memiliki keahlian di bidang fiqih mu’amalah. 5. Have expertise in the field of mu'amalah fiqh.
6. Memiliki pengetahuan dan pengalaman di bidang syariah 6. Have knowledge and experience in the field of sharia
mu’amalah dan pengetahuan di bidang perbankan dan/ mu'amalah and knowledge in the field of banking and/or
atau keuangan secara umum. finance in general.
7. Jika diperlukan anggota DPS dapat pula memiliki 7. If necessary, DPS members may also have expertise
keahlian selain fiqih mu’amalah, tetapi harus memiliki other than mu'amalah fiqh, but must have experience in
pengalaman di bidang perbankan dan atau lembaga banking and or Islamic financial institutions.
keuangan syariah.
8. Tidak termasuk dalam daftar kredit/pembiayaan macet. 8. Not included in the list of bad debts/financing.
9. Tidak pernah dinyatakan pailit atau menjadi pemegang 9. Never been declared bankrupt or become a shareholder,
saham, anggota Dewan Komisaris atau anggota member of the Board of Commissioners, or member of
Direksi yang dinyatakan bersalah menyebabkan suatu the Board of Directors who was found guilty of causing a
Perseroan dinyatakan pailit dalam waktu 5 (lima) tahun Company to be declared bankrupt within the last 5 (five)
terakhir sebelum dicalonkan. years before nomination.
SUSUNAN KEANGGOTAAN DEWAN PENGAWAS COMPOSITION OF MEMBERS OF THE SHARIA

SYARIAH DAN PERIODE PENUGASAN SUPERVISORY BOARD AND TERMS OF
ASSIGNMENT
Bank memiliki acuan dalam menentukan susunan The Bank has a reference in determining the composition
keanggotaan Dewan Pengawas Syariah yaitu POJK Nomor of the Sharia Supervisory Board membership, namely, POJK
16/POJK.03/2022 Tentang Bank Umum Syariah Pasal 59 ayat Number 16/POJK.03/2022 concerning Islamic Commercial
(2) yang menyebutkan jumlah anggota Dewan Pengawas Banks Article 59 paragraph (2), which states that the number
Syariah paling kurang 2 (dua) orang atau paling banyak 50% of 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 number of
members of the Board of Directors.
Pada tahun 2022, jumlah anggota Dewan Pengawas Syariah In 2022, the number of members of the Bank's Sharia
Bank berjumlah 3 (tiga) orang dengan detail sebagai berikut: Supervisory Board amounted to 3 (three) people with the
following details:

Susunan Dewan Pengaawas Syariah Tahun 2022 Composition of the Sharia Supervisory Board in 2022
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 Surat OJK No. SR-2/ 2 Februari 2017 16 Desember 2019 2019-2024
Al Aiyub, M.Si Chairman 16 Desember 2019 PB.13/2017 tanggal February 2, (Ketua DPS)
Extraordinary GMS 2 Februari 2017 2017 December 16, 2019
on December 16, FSA Letter No. SR-2/ (Chairman)
2019 PB.13/2017 dated February
2, 2017
Hj. Siti Anggota RUPS LB Surat OJK No. S-13/ 22 Januari 2021 – 2019-2024
Haniatunnisa,LLB., Member 16 Desember 2019 PB.1/2021 tanggal January 22,
MH Extraordinary GMS 22 Januari 2021 2021
on December 16, FSA Letter No. S-13/
2019 PB.1/2021 dated January
22, 2021
Dr. H. Agung Anggota RUPS LB Surat OJK No.SR-8/ 7 Juli 2022 – 2021-2024
Danarto, M.Ag Member 30 Agustus 2021 PB.1/2022 tanggal 7 Juli July 7, 2022
Extraordinary GMS 2022
on August 30, 2021 FSA Letter No.SR-8/
PB.1/2022 dated 7 July
2022
RANGKAP JABATAN DEWAN PENGAWAS CONCURRENT POSITION OF SHARIA

Ketentuan mengenai rangkap jabatan DPS mengacu pada The provisions regarding concurrent positions of DPS
POJK Nomor 16/POJK.03/2022 Tentang Bank Umum Syariah refer to POJK Number 16/POJK.03/2022 concerning Sharia
Pasal 59 ayat (4) yang menyebutkan bahwa anggota Dewan Commercial Banks Article 59 paragraph (4), which states
Pengawas Syariah hanya dapat merangkap jabatan sebagai that members of the Sharia Supervisory Board can only
anggota Dewan Pengawas Syariah paling banyak pada 4 concurrently serve as members of the Sharia Supervisory
(empat) lembaga keuangan syariah lain. Bank Muamalat Board at a maximum of 4 (four) other Islamic financial
telah mematuhi ketentuan rangkap jabatan tersebut, yang institutions. Bank Muamalat has complied with the provisions
mana DPS Bank Muamalat tidak memiliki rangkap jabatan of the dual position, whereas DPS Bank Muamalat does not
pada lebih dari 4 (empat) lembaga keuangan syariah lain. have concurrent positions in more than 4 (four) other Islamic
Berikut detail menganai rangkap jabatan DPS Bank Muamalat financial institutions. The following are the details of DPS
Bank Muamalat's dual positions.
Daftar Rangkap Jabatan Dewan Pengawas Syariah List of Concurrent Position of 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 Penasihat 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 Tidak memiliki rangkap jabatan Tidak memiliki rangkap jabatan
No concurrent positions No concurrent positions

INDEPENDENSI DEWAN PENGAWAS SYARIAH INDEPENDENCE OF SHARIA SUPERVISORY

BOARD
Dalam melaksanakan tugas pengawasannya, DPS Bank In carrying out its supervisory duties, DPS Bank Muamalat
Muamalat berkomitmen untuk selalu mengedepankan is committed to always prioritizing conformity with sharia
kesesuaian dengan prinsip syariah dan mengutamakan principles, prioritizing the Bank's interests over personal
kepentingan Bank di atas kepentingan pribadi dan tidak interests, and not being influenced by any party.
dipengaruhi oleh pihak mana pun.
Seluruh anggota DPS Bank Muamalat ialah pihak independen All members of DPS Bank Muamalat are independent parties
yang tidak memiliki hubungan keuangan, kepengurusan, who have no financial, management, share ownership, and/
kepemilikan saham dan/atau hubungan dengan Perseroan, or relationship with the Company, Board of Commissioners,
Dewan Komisaris, Direksi, atau Pemegang Saham. Directors, or Shareholders.
Pernyataan Independensi Dewan Pengawas Syariah Statement of Independence of the Sharia Supervisory
Board
Aspek Independensi Drs. H. Hj. Siti 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 PENGAWAS SHARE OWNERSHIP OF SHARIA SUPERVISORY

SYARIAH BOARD
Salah satu wujud independensi DPS Bank Muamalat ialah One evidence of the independence of Bank Muamalat's DPS
tidak terdapatnya kepemilikan saham yang bersangkutan is the absence of DPS members who own Bank Muamalat
pada Bank Muamalat hingga berakhirnya tahun buku 2022. shares until the end of the 2022 financial year. Thus, there is
Dengan demikian, tidak terdapat conflict of interest dalam no conflict of interest in their supervisory process.
proses pengawasan yang dijalankan.
Pernyataan Kepemilikan Saham Dewan Pengawas Statement of Share Ownership of 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
Drs. H. Sholahudin Al Aiyub, M.Si Ketua DPS – – – –
Chairman
Anggota DPS – – – –
Hj. Siti Haniatunnisa,LLB., MH
Member
Anggota DPS – – – –
Dr. H. Agung Danarto, M.Ag
Member

PEMBAGIAN TUGAS DEWAN PENGAWAS DIVISION OF DUTIES OF THE SYARIAH

Pembagian tugas di antara anggota DPS telah merujuk pada The division of duties among DPS members has referred to
ketentuan dalam Board Manual Dewan Pengawas Syariah the provisions in the Board Manual of the Sharia Supervisory
Bank Muamalat Indonesia. Adapun uraian tugas dari masing- Board of Bank Muamalat Indonesia. The job description of
masing jabatan DPS ialah sebagai berikut: each DPS position is as follows.
Ketua Chairman
• Memimpin semua kegiatan anggota Dewan Pengawas • Leads all activities of the members of the Sharia
Syariah. Supervisory Board.
• Menyusun program kerja pelaksanaan tugasnya. • Developingn work program for the implementation of
his/her duties.
• Memimpin rapat Dewan Pengawas Syariah. • Presiding over meetings of the Sharia Supervisory Board.
• Menetapkan pembagian tugas para anggota Dewan • Determining the division of duties of the members of the
Pengawas Syariah. Sharia Supervisory Board.
Anggota Member
• Membantu Ketua Dewan Pengawas Syariah dalam • Assisting the Chairman of the Sharia Supervisory Board
melaksanakan tugasnya menurut pembidangan yang in carrying out his duties according to the division
telah ditetapkan oleh ketua Dewan Pengawas Syariah. determined by the Chairman of the Sharia Supervisory
Board.
• Melakukan tugas-tugas lain yang diberikan oleh Ketua • Performing other duties assigned by the Chairman of the
Dewan Pengawas Syariah. Sharia Supervisory Board.
HUBUNGAN KERJA ANTARA DEWAN PENGAWAS WORKING RELATIONSHIP BETWEEN

SYARIAH, DEWAN KOMISARIS DAN DIREKSI SHARIA SUPERVISORY BOARD, BOARD OF
COMMISSIONERS, AND BOARD OF DIRECTORS
Hubungan kerja check and balance antara Dewan Pengawas The check and balance working relationship between the
Syariah, Dewan Komisaris dan Direksi yang diciptakan Bank Sharia Supervisory Board, the Board of Commissioners, and
memiliki beberapa tujuan akhir, yaitu untuk kemajuan Bank, the Board of Directors created by the Bank is carried out for
pelaksanaan kegiatan bisnis dan operasional Bank yang the progress of the Bank, ensuring the implementation of
sesuai dengan prinsip syariah, dan pemenuhan peraturan the Bank's business and operational activities in accordance
dan perundang-undangan yang berlaku, termasuk with sharia principles, and the fulfillment of applicable laws
implementasi GCG di dalamya. and regulations, including the implementation of GCG in it.
Merujuk pada fungsinya masing-masing, Dewan Pengawas Referring to their respective functions, the Sharia Supervisory
Syariah, Dewan Komisaris dan Direksi bertanggung jawab Board, the Board of Commissioners, and the Board of
untuk menjaga kelangsungan usaha Bank Muamalat dalam Directors are responsible for maintaining Bank Muamalat's
jangka panjang, yang tercermin pada: long-term business continuity, which is reflected in:
1. Terpeliharanya kesehatan Bank Muamalat Indonesia 1. The maintenance of the health of Bank Muamalat
sesuai prinsip kehati-hatian dan mematuhi (comply) Indonesia in accordance with the principles of prudence
terhadap prinsip syariah Islam serta peraturan dan and compliance with the principles of Islamic sharia and
perundang-undangan yang berlaku. applicable laws and regulations.
2. Terlaksananya dengan baik pengendalian internal 2. Implementation of good internal control and risk
(internal control) dan manajemen risiko (risk management). management.
3. Terlindunginya kepentingan shareholders dan 3. Protecting the interests of shareholders and stakeholders
stakeholders secara wajar. in a reasonable manner.
4. Terpenuhinya pelaksanaan Good Corporate Governance. 4. Fulfillment of the implementation of Good Corporate
Governance.
5. Terlaksananya suksesi kepemimpinan dan kontinuitas 5. Implementation of leadership succession and
Manajemen di semua lini organisasi. Management continuity in all lines of the organization.

KEBIJAKAN PENGAWASAN DEWAN PENGAWAS SHARIA SUPERVISORY BOARD SUPERVISION

SYARIAH POLICY
Dewan Pengawas Syariah dalam menjalankan tugas In carrying out its supervisory duties at Bank Muamalat, the
pengawasannya pada Bank Muamalat dibantu oleh Sharia Sharia Supervisory Board is assisted by the Sharia Compliance
Compliance Officer. Sharia Compliance Officer berfungsi Officer. Sharia Compliance Officer functions as a liaison
sebagai liaison officer yang salah satunya bertugas untuk officer, one of which is tasked with properly documenting
mendokumentasikan rincian kegiatan kerja DPS dengan baik the details of DPS work activities into supervisory work
ke dalam kertas kerja pengawasan. Kertas kerja tersebut papers. The working paper is then set forth in the Sharia
selanjutnya dituangkan dalam Laporan Pengawasan Dewan Supervisory Board Supervisory Report submitted to the
Pengawas Syariah yang disampaikan kepada Direksi Bank Board of Directors of Bank Muamalat Indonesia, DSN-MUI,
Muamalat Indonesia, DSN-MUI dan Otoritas Jasa Keuangan and the Financial Services Authority on a semesterly basis.
secara semesteran.
RAPAT DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD MEETING

Penyelenggaraan rapat DPS ialah paling kurang 1 (satu) kali The organization of DPS meeting is at least once a month, in
dalam 1 (satu) bulan, sesuai dengan ketentuan Peraturan accordance with the provisions of Bank Indonesia Regulation
Bank Indonesia No. 11/33/PBI/2009 tentang Pelaksanaan No. 11/33/PBI/2009 concerning the Implementation of Good
Good Corporate Governance bagi Bank Umum Syariah dan Corporate Governance for Sharia Commercial Banks and
Unit Usaha Syariah dan tertuang pada Board Manual Bank Sharia Business Units and contained in the Board Manual of
Muamalat Indonesia. Bank Muamalat Indonesia.
Adapun materi-materi dalam rapat Dewan Pengawas Syariah The materials in the Sharia Supervisory Board meeting
telah diatur di dalam Board Manual Dewan Pengawas Syariah have been regulated in the Board Manual of the Sharia
Bank Muamalat Indonesia, di antaranya: Supervisory Board of Bank Muamalat Indonesia, including:
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 the review of existing products, 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 review of Bank activities
telah berjalan dari aspek syariah. that have been running from sharia aspects.
3. Permasalahan yang timbul akibat aktivitas Bank yang 3. Problems arising from the Bank's activities that require
membutuhkan opini dari DPS. an opinion from DPS.
4. Hasil temuan syariah dari auditor, baik auditor eksternal 4. Sharia findings from auditors, both external and internal
maupun auditor internal. auditors.
Pengambilan keputusan pada rapat Dewan Pengawas Decision-making at the Sharia Supervisory Board meeting is
Syariah dilakukan berdasarkan musyawarah untuk mufakat. based on deliberation for consensus. If there is a difference
Apabila terdapat perbedaan pendapat, maka perbedaan of opinion, the difference of opinion is included in the
pendapat tersebut dicantumkan dalam risalah rapat beserta minutes of the meeting, along with the reasons. Details of
alasannya. Detail frekuensi dan rekapitulasi kehadiran the frequency and recapitulation of attendance of members
anggota Dewan Pengawas Syariah pada rapat disajikan of the Sharia Supervisory Board at meetings are presented
dalam Sub Bab Rapat Dewan Pengawas Syariah, Dewan in the Meetings of the Sharia Supervisory Board, Board of
Komisaris dan Direksi. Commissioners, and Board of Directors Subchapter.
TATA CARA PEMBERIAN NASIHAT DAN SARAN PROCEDURES FOR PROVIDING ADVICE AND
SERTA PENGAWASAN PEMENUHAN PRINSIP SUGGESTION AND SUPERVISION OF THE
SYARIAH DI PASAR MODAL FULFILLMENT OF SHARIA PRINCIPLES IN THE
CAPITAL MARKET
Mekanisme pemberian nasihat, saran, serta pengawasan, The mechanism for providing advice, suggestions, and
Dewan Pengawas Syariah dilakukan dengan tata cara supervision, the Sharia Supervisory Board is carried out in
sebagai berikut: the following manner:
a. Melakukan rapat rutin setiap bulan. a. Conducting regular meetings every month.
b. Memberikan opini atas produk/aktivitas dan program b. Providing opinions on new products/activities and
baru yang diterbitkan oleh unit bisnis. programs issued by business units.
c. Melakukan uji petik terhadap kegiatan operasional c. Conducting a petition test on operational activities of
penyaluran dan penghimpunan dana. distribution and collection of funds.

d. Memberikan sharing knowledge terkait aspek syariah d. Providing knowledge sharing related to sharia aspects
secara berkala ke semua level. periodically to all levels.
e. Memberikan advise dalam hal peningkatan akhlaqul e. Providing advice in terms of improving akhlaqul karimah.
karimah.
PELAKSANAAN KEGIATAN DEWAN PENGAWAS IMPLEMENTATION OF SHARIA SUPERVISORY

SYARIAH TAHUN 2022 BOARD ACTIVITIES IN 2022
Penyampaian Laporan Pengawasan Dewan Pengawas Submission of the Sharia Supervisory Board Supervisory
Syariah kepada manajemen Bank Muamalat dilakukan Report to the management of Bank Muamalat is carried out
setiap 6 (enam) bulan sekali. Selanjutnya, laporan tersebut every 6 (six) months. Furthermore, the report is submitted
disampaikan kepada DSN-MUI dan Otoritas Jasa Keuangan to DSN-MUI and the Financial Services Authority by the
oleh manajemen Bank. Laporan Hasil Pengawasan DPS Bank's management. The DPS Supervisory Report has
telah disampaikan kepada OJK paling lambat 2 (dua) bulan been submitted to OJK no later than 2 (two) months after
setelah periode laporan semester. Untuk laporan Semester the semester reporting period. The report for Semester I of
I tahun 2022 telah disampaikan kepada OJK tanggal 24 2022 has been submitted to OJK on August 24, 2022, through
Agustus 2022 melalui surat No. 100/B/CRD-SRT/VIII/2022 letter No. 100/B/CRD-SRT/VIII/2022 dated August 24, 2022,
tanggal 24 Agustus 2022, sedangkan Laporan Pengawasan while the DPS Supervision Report for Semester II of 2022 has
DPS Semester II tahun 2022 telah disampaikan kepada OJK been submitted to OJK on February 28, 2023, through letter
tanggal 28 Februari 2023 melalui surat No. 044/B/CRD-SRT/ No. 044/B/CRD-SRT/II/2023 dated February 28, 2023..
II/2023 tanggal 28 Februari 2023.
Aktivitas pengawasan Dewan Pengawas Syariah pada The supervisory activities of the Sharia Supervisory Board on
kegiatan bisnis Bank Muamalat mencakup pengawasan Bank Muamalat's business activities include supervision of the
terhadap pelaksanaan prinsip syariah dalam kegiatan implementation of sharia principles in the activities of raising
penghimpunan dana dan penyaluran dana serta pelayanan funds and channeling funds and services. In conducting
jasa. Dalam melakukan pengawasan, Dewan Pengawas supervision, the Sharia Supervisory Board is assisted by 2
Syariah dibantu 2 (dua) liasion officer dari Unit Kepatuhan (two) liaison officers from the Sharia Compliance Unit. The
Syariah. Rincian pengawasan Dewan Pengawas Syariah details of the Sharia Supervisory Board's supervision of the
terhadap pelaksanaan prinsip syariah dalam kegiatan implementation of sharia principles in raising and channeling
penghimpunan dan penyaluran dana serta pelayanan jasa funds and services in 2022 are as follows.
pada tahun 2022 adalah sebagai berikut.
Pengawasan terhadap Penghimpunan Dana Supervision of Fundraising

Pada tahun 2022, Dewan Pengawas Syariah telah melakukan In 2022, the Sharia Supervisory Board supervised Bank
pengawasan atas produk penghimpunan dana Bank Muamalat Indonesia's fundraising products and reviewed
Muamalat Indonesia dan melakukan kajian atas kesesuaian the suitability of fundraising products with the DSN-MUI
produk penghimpunan dana dengan fatwa DSN-MUI. fatwa. From this supervision, no fundraising products
Dari pengawasan tersebut, tidak terdapat produk-produk conflict with the DSN-MUI fatwa. Division of Duties of the
penghimpunan dana yang bertentangan dengan fatwa DSN- Syariah Supervisory Board
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 Fund Disbursement

Pada tahun 2022, Dewan Pengawas Syariah telah melakukan In 2022, the Sharia Supervisory Board supervised the funding
pengawasan atas produk penyaluran dana Bank Muamalat products of Bank Muamalat Indonesia and reviewed their
Indonesia dan melakukan kajian atas kesesuaian produk compliance with the DSN-MUI fatwa. DPS found no funding
penyaluran dana dengan fatwa DSN-MUI. Dari pengawasan products from this supervision that conflicted with the DSN-
tersebut, tidak terdapat produk-produk penyaluran dana MUI fatwa.
yang bertentangan dengan fatwa DSN-MUI.
Produk Penyaluran Dana Fund Disbursement 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
• iB Pensiun Hijrah
• Pembiayaan Pro Hajj
Pengawasan terhadap Layanan Supervision of Services

Pada tahun 2022, Dewan Pengawas Syariah telah melakukan In 2022, the Sharia Supervisory Board supervised the
pengawasan atas layanan Bank Muamalat Indonesia dan services provided by Bank Muamalat Indonesia and
melakukan kajian atas kesesuaian layanan dengan fatwa reviewed its compliance with the DSN-MUI fatwa. Based on
DSN-MUI. Dari pengawasan tersebut, tidak terdapat layanan- the supervision, DPS did not find services contradicting the
layanan yang bertentangan dengan fatwa DSN-MUI. DSN-MUI fatwa.
Layanan Bank Muamalat Bank Muamalat Services

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)
• Vendor Payment iB
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
• Layanan Gerai Online Reksa Dana Syariah | Sharia Mutual Fund Online Outlet Service

Pengawasan terhadap Usulan Produk/Aktivitas Supervision of Proposed New Products/Activities

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 sepanjang tahun 2022 dengan detail proposed new products/activities throughout 2022 with the
sebagai berikut: following details:
1. Lindung Nilai Kompleks; 1. Complex Hedging;
2. Vendor Payment iB; 2. Vendor Payment iB;
3. Layanan Gerai Online Reksa Dana Syariah; 3. Sharia Mutual Fund Online Outlet Service;
4. Bancassurance-Asuransi Sun Healthcare Solution Syariah 4. Bancassurance - Sunlife Sun Healthcare Solution Syariah
(SHSS) Sunlife; (SHSS) Insurance;
5. Bancassurance-Asuransi Gempa Bumi, Kebakaran, Mobil 5. Bancassurance - Sharia Earthquake, Fire, Car and
dan Property All Risk Syariah PT Sompo Insurance Property All Risk Insurance of PT Sompo Insurance
Indonesia; Indonesia;
6. Bancassurance-Asuransi Takaful Kebakaran Standar; 6. Bancassurance - Standard Takaful Fire Insurance;
7. Layanan Perbankan Digital berupa Digital Account 7. Digital Banking Services in the form of Digital Account
Opening melalui Mobile Banking-COB MDIN; Opening through Mobile Banking- COB MDIN;
8. Layanan Tarik Tunai di Merchant melalui Mobile Banking. 8. Cash Withdrawal Service at Merchants through Mobile
Banking.
Uji Petik dan Kunjungan Dewan Pengawas Syariah Random Sampling and Visit of Sharia Supervisory
Board
Dalam rangka menjalankan fungsi pengawasan, Dewan In order to carry out the supervisory function, the Sharia
Pengawas Syariah melakukan kegiatan Uji Petik. Uji petik Supervisory Board conducts Random Sampling activities by
dilakukan oleh Dewan Pengawas Syariah dengan cara visiting, observing and/or sharing sessions with employees at
berkunjung, mengamati dan/atau sharing session dengan several Bank Muamalat Indonesia Branch Offices. The Sharia
karyawan di beberapa Kantor Cabang Bank Muamalat Supervisory Board also examines transaction documents to
Indonesia. Dewan Pengawas Syariah juga memeriksa ensure compliance with sharia principles. The examination
dokumen-dokumen transaksi untuk memastikan is assisted by the Sharia Compliance Unit, which acts as a
pemenuhan prinsip syariah telah terlaksana. Pemeriksaan liaison officer for the Sharia Supervisory Board. In 2022,
tersebut dilakukan dengan metode uji petik yang dibantu Random Sampling is still carried out virtually due to the
oleh Unit Kepatuhan Syariah sebagai liaison officer Dewan conditions of the COVID-19 pandemic.
Pengawas Syariah. Melanjutkan metode uji petik tahun
sebelumnya, pada tahun 2022, uji petik dilakukan masih
dilakukan secara virtual dan online sebagai antisipasi dari
kondisi pandemi COVID-19.

Kegiatan Uji Petik Dewan Pengawas Syariah Random Sampling activity by the Sharia Supervisory
Board
Tanggal
Cabang/Unit Kerja Branch/Work Unit
Date
Semester I tahun 2022 Kantor Cabang Ambon Ambon Branch Office

9 s.d 23 Mei 2022
First semester of 2022 Kantor Cabang Palembang Palembang Branch Office
May 9 to 23, 2022 Kantor Cabang Samarinda Samarinda Branch Office
Kantor Cabang Batam Batam Branch Office
Kantor Cabang Gorontalo Gorontalo Branch Office
Kantor Cabang Pekanbaru Pekanbaru Branch Office
Kantor Cabang Mataram Mataram Branch Office
Kantor Cabang Kelapa Gading Kelapa Gading Branch Office
Semester II tahun 2022 Kantor Cabang Pangkal Pinang Pangkal Pinang Branch Office
12 s.d 23 Desember 2022
Second semester of 2022 Kantor Cabang Bintaro Jaya Bintaro Jaya Branch Office
December 12 to 23, 2022 Kantor Cabang Sukabumi Sukabumi Branch Office
Kantor Cabang Solo Solo Branch Office
Kantor Cabang Kendari Kendari Branch Office
Kantor Pusat Fungsi Trade Finance Head Office, Trade Finance Function
REVIEW, ENDORSEMENT ATAS KEBIJAKAN, REVIEW, ENDORSEMENT OF POLICIES, AND

DAN STANDARD OPERATIONAL PROCEDURE STANDARD OPERATIONAL PROCEDURE (SOP)
(SOP)
Pada tahun 2022, Dewan Pengawas Syariah telah melakukan In 2022, assisted by the Sharia Compliance Unit, the
review dan/atau endorsement terhadap kebijakan dan Sharia Supervisory Board reviewed and/or endorsed Bank
prosedur Bank Muamalat agar sesuai dengan fatwa DSN- Muamalat's policies and procedures to be in accordance
MUI dan ketentuan terkait yang dibantu oleh Unit Kepatuhan with the DSN-MUI fatwa and related provisions. Some
Syariah. Beberapa kebijakan dan Standard Operational policies and Standard Operational Procedures (SOP) that are
Procedure (SOP) yang menjadi perhatian Dewan Pengawas of concern to the Sharia Supervisory Board are:
Syariah yakni:
1. Prosedur Pelaksanaan Layanan Madina Wholesale 1. Madina Wholesale Banking Service Implementation
Banking. Procedure;
2. Revisi Prosedur Pelaksanaan Layanan Madina Wholesale 2. Revision of Madina Wholesale Banking Service
Banking Implementation Procedure;
3. Loose Leaf Prosedur Pelaksanaan Hadiah Komitmen 3. Loose Leaf Commitment Gift Implementation Procedure;
4. Prosedur Buyer Financing IB 4. IB Buyer Financing Procedure

Dewan Komisaris
Dewan Komisaris ialah organ Perseroan yang bertugas The Board of Commissioners is an organ of the Company
melakukan pengawasan baik secara umum dan atau khusus that supervises both generally and specifically, in accordance
sesuai dengan anggaran dasar, memberi nasihat kepada with the Company’s Articles of Association. The Board of
Direksi serta bertugas memastikan Bank Muamalat telah Commissioners is also in charge of advising the Board
melaksanakan prinsip-prinsip Tata Kelola Perusahaan of Directors and ensuring that the Bank implements the
yang Baik. Pengangkatan dan pemberhentian, tugas dan principles of Good Corporate Governance. The appointment
wewenang, serta hak dan kewajiban Dewan Komisaris serta and dismissal policies of the Board of Commissioners,
hal-hal lain yang bertalian dengan Dewan Komisaris diatur duties and authorities, rights and obligations of the Board
dalam Anggaran Dasar Bank serta ketentuan-ketentuan lain of Commissioners, as well as other matters relating to the
berdasarkan best practices tata kelola perusahaan. Board of Commissioners, are regulated in the Bank’s Articles
of Association, other provisions, and also based on corporate
governance best practices.
Selanjutnya pengangkatan dan pemberhentian serta Furthermore, the appointment and dismissal, and
penetapan masa jabatan anggota Dewan Komisaris Bank determination of the term of office of the members of the
Muamalat dilaksanakan melalui RUPS. Dewan Komisaris Board of Commissioners of Bank Muamalat are carried
kemudian melaporkan hasil pengawasannya terhadap out through the GMS. The Board of Commissioners then
Perseroan kepada para pemegang Saham dan pemangku reports the results of its supervision to shareholders and
kepentingan melalui forum RUPS. stakeholders through the GMS.

Bank merujuk pada beberapa ketentuan sebagai dasar The Bank refers to several provisions as the legal basis for
hukum untuk pengangkatan Dewan Komisaris yaitu: the appointment of the Board of Commissioners, namely:
1. Undang-undang Nomor 8 Tahun 1995 tentang Pasar 1. Law Number 8 Year 1995 on Capital Market;
Modal
2. Undang-Undang Republik Indonesia No. 40 Tahun 2007 2. Law of the Republic of Indonesia No. 40 of 2007 on
tentang Perseroan Terbatas Limited Liability Companies;
3. Undang-Undang Republik Indonesia No. 21 Tahun 2008 3. Law of the Republic of Indonesia No. 21 of 2008 on Sharia
4. Peraturan Otoritas Jasa Keuangan Republik Indonesia 4. Regulation of the Financial Services Authority of the
Nomor 16/POJK.03/2022 tentang Bank Umum Syariah. Republic of Indonesia Number 16/POJK.03/2022
concerning Islamic Commercial Banks;
5. Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 5. Regulation of the Financial Services Authority No. 33/
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 concerning Directors and Board of
Perusahaan Publik Commissioners of Issuers or Public Companies;
6. Peraturan Otoritas Jasa Keuangan Nomor 6. Financial Services Authority Regulation No. 15/
15/POJK.04/2020 tentang Rencana dan POJK.04/2020 concerning the Plan and Implementation
Penyelenggaraan Rapat Umum Pemegang of the General Meeting of Shareholders of Public
Saham Perusahaan Terbuka Companies;
7. Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 7. Financial Services Authority Regulation No. 27/
tentang Penilaian Kemampuan & Kepatutan bagi Pihak POJK.03/2016 regarding Capability & Appropriateness
Utama Lembaga Jasa Keuangan Assessment for Main Parties of Financial Services
Institutions;
tentang Pemanfaatan Tenaga Kerja Asing dan Program POJK.03/2017 regarding the Utilization of Foreign
Alih Pengetahuan di Sektor Perbankan. Workers and Knowledge Transfer Programs in the
Banking Sector;
9. Anggaran Dasar Bank Muamalat Indonesia. 9. Articles of Association of Bank Muamalat Indonesia;

10. Akta tertanggal 26 Januari 2023 No. 22 dibuat dihadapan 10. Deed dated January 26, 2023 No. 22 made before Notary
Notaris Ashoya Ratam dan pemberitahuan atas Ashoya Ratam and notification of changes in company
perubahan data perseroan telah diterima dan dicatat data has been received and recorded by the Minister of
oleh Menteri Hukum dan Hak Asasi Manusia Republik Law and Human Rights of the Republic of Indonesia in
Indonesia sesuai suratnya tertanggal 30 Januari 2023 No. accordance with his letter dated January 30, 2023 No.
AHU-AH.01.09-0062375. AHU-AH.01.09-0062375.
TUGAS DAN TANGGUNG JAWAB DUTIES AND RESPONSIBILITIES

Tugas dan tanggung jawab Dewan Komisaris Perseroan The duties and responsibilities of the Company's Board of
antara lain sebagai berikut: Commissioners are as follows:
1. Melakukan tugas dan tanggung jawab sesuai dengan 1. Perform duties and responsibilities in accordance with
prinsip-prinsip GCG. GCG principles.
2. Memiliki pedoman dan tata tertib kerja yang bersifat 2. Prepare guidelines and work rules that are binding for
mengikat bagi setiap anggota Dewan Komisaris each member of the Board of Commissioners, which at
yang paling kurang mencantumkan waktu kerja dan least include work time and meeting rules;
pengaturan rapat.
3. Mengawasi terselenggaranya pelaksanaan GCG dalam 3. Supervise the implementation of GCG in every business
setiap kegiatan usaha Bank pada seluruh tingkatan atau activity of the Bank at all levels of the organization;
jenjang organisasi.
4. Tunduk pada ketentuan peraturan perundang-undangan 4. Comply with the provisions of the prevailing laws and
yang berlaku, Anggaran Dasar Bank dan keputusan regulations, the Bank's Articles of Association and the
RUPS. resolutions of the GMS;
5. Beritikad baik, dengan prinsip kehati-hatian dan 5. Perform duties for the interests and business of the Bank
bertanggung jawab dalam menjalankan tugas untuk in good faith, in accordance with prudential principles,
kepentingan dan usaha bank, dengan berupaya untuk and with full responsibility, and endeavor to take action
mengambil tindakan dalam mencegah timbul atau to prevent the incidence, or continuation, of losses and/
berlanjutnya kerugian dan/atau terjadinya kepailitan. or the occurrence of bankruptcy;
6. Mengawasi kebijakan Direksi dalam melaksanakan 6. Supervise the policies of the Board of Directors in
pengurusan Bank termasuk pelaksanaan ketentuan carrying out the management of the Bank, including the
ketentuan Anggaran Dasar dan keputusan Rapat Umum implementation of the Articles of Association, resolutions
Pemegang Saham dan peraturan perundang-undangan of the General Meeting of Shareholders and prevailing
yang berlaku. laws and regulations;
7. Memastikan Direksi mematuhi ketentuan internal 7. Ensure that the Board of Directors complies with the
Bank dan memberi nasihat kepada Direksi dalam Bank's internal regulations and provide advice to the
melaksanakan pengurusan Bank. Board of Directors in carrying out the management of
the Bank;
8. Memberikan pendapat dan saran kepada Direksi dan 8. Providing opinions and suggestions to the Board of
segenap jajarannya berkaitan dengan pengurusan Bank. Directors and all its staff related to the management of
the Bank;
9. Memberikan pendapat dan saran kepada Direksi dan 9. Provide opinions and suggestions to the Board of
segenap jajarannya berkaitan dengan penyusunan Visi, Directors and all its staff regarding the preparation of
Misi serta rencana-rencana strategis Bank Muamalat the Vision, Mission and other strategic plans of Bank
lainnya seperti yang diatur dalam Anggaran Dasar. Muamalat as stipulated in the Articles of Association;
10. Memberikan pendapat dan saran serta pengesahan 10. Providing opinions and suggestions as well as ratifying
mengenai rencana bisnis Bank yang diusulkan Direksi. the Bank's business plan proposed by the Board of
Directors.
11. Meneliti dan menelaah atas laporan-laporan dari Direksi 11. Examining and reviewing reports from the Board of
dan segenap jajarannya, terutama yang berkaitan Directors and all its staff, especially those related to
dengan tugas-tugas spesifik yang telah diputuskan specific tasks that have been decided together.
bersama.
12. Meneliti dan menelaah laporan-laporan dari Komite- 12. Examining and reviewing reports from the Committees
komite yang ada di bawah Dewan Komisaris. under the Board of Commissioners.
13. Mengikuti perkembangan kegiatan Bank, baik dari 13. Following the development of the Bank's activities, both
informasi-informasi internal yang disediakan oleh from internal information provided by management and
manajemen maupun dari informasi-informasi eksternal external information from the media and other sources.
yang berasal dari media maupun dari sumber-sumber
lainnya.

14. Menghadiri rapat-rapat kerja/koordinasi dengan Direksi 14. Attend working/coordination meetings with the Board of
dan segenap jajarannya. Directors and its staff.
15. Melakukan usaha-usaha untuk memastikan bahwa 15. Ensure that the Board of Directors and its staff have
Direksi dan jajarannya telah mematuhi ketentuan complied with statutory provisions and 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 the Board of Commissioners' work plan for the
tahun berjalan. 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 periodic 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 at least a Risk Monitoring Committee,
Komite Nominasi dan Remunerasi, Komite Audit, Komite Nomination and Remuneration Committee, Audit
Tata Kelola Perusahaan dan memastikan komite yang Committee, and Corporate Governance Committee, and
telah dibentuk menjalankan tugasnya secara efektif. ensure that the established committees perform their
duties effectively.
20. Dewan Komisaris wajib independen dalam menjalankan 20. The Board of Commissioners must be independent in
tugas dan tanggung jawabnya, dalam arti melaksanakan its duties and responsibilities. In the sense of carrying
tugas secara obyektif dan bebas dari tekanan serta out its duties objectively and free from pressure and
kepentingan pihak mana pun, termasuk dalam hubungan the interests of any party, including in relationships with
satu sama lain maupun hubungan dengan Direksi. each other and with the Board of Directors.
21. Wajib melakukan pengawasan aktif terhadap 21. Must actively supervise the implementation of the
pelaksanaan Fungsi Kepatuhan. Compliance Function.
22. Menyetujui kebijakan APU & PPT serta mengawasi 22. Approve AML/CFT policy and supervise the AML/CFT
pelaksanaan program APU & PPT. program implementation.
23. Melakukan kajian atas efektivitas sistem pengendalian 23. Conduct a review of the effectiveness of the internal
internal, dengan menilai kompetensi dan jumlah sumber control system by assessing the competence and
daya, ruang lingkup tugas dan kewenangan serta number of resources, the scope of duties and authority,
independensi dari Auditor Intern sesuai dengan Standar and independence of the Internal Auditor in accordance
Pelaksanaan Fungsi Audit Intern Bank Umum (SPFAIB) with the Standards for Implementation of the Internal
yang diterbitkan/dikeluarkan oleh Bank Indonesia/ Audit Function of Commercial Banks (SPFAIB) issued/
Otoritas Jasa Keuangan. issued by Bank Indonesia/Financial Services Authority.
24. Melakukan kajian atas efektivitas pelaksanaan tugas 24. Conduct a review of the effectiveness of implementing the
Auditor Eksternal, dengan menilai kompetensi, External Auditor's duties by assessing the competence,
independensi serta ruang lingkup tugas Auditor independence, and scope of responsibilities of the
Eksternal. External Auditor.
HAK DAN WEWENANG THE RIGHTS AND AUTHORITIES

Hak dan wewenang Dewan Komisaris Perseroan adalah The rights and authorities of the Company's Board of
sebagai berikut: Commissioners are as follows:
1. Hak meminta penjelasan dan menanyakan segala 1. The right to request explanations and inquire about
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 shall submit an explanation of all matters
Dewan Komisaris. inquired by the Board of Commissioners.
2. Hak meminta semua keterangan yang berkenaan dengan 2. The right to request all information relating to the Bank
Bank kepada Direksi dan Direksi harus memberikan from the Board of Directors. The BOD shall provide
semua keterangan yang berkenaan dengan Bank all information relating to the Bank as required by the
sebagaimana diperlukan para anggota Dewan Komisaris members of the BOC through the BOC.
melalui Dewan Komisaris.

3. Pembagian kerja dan keanggotaan Komite di antara para 3. The division of labor and membership among the
Anggota Komisaris diatur oleh anggota Dewan Komisaris members of the Board of Commissioners is regulated by
sendiri dan untuk kelancaran tugasnya Dewan Komisaris the members of the Board of Commissioners themselves.
dapat dibantu oleh Sekretaris yang diangkat oleh Dewan For the smooth running of its duties, the BOC may be
Komisaris. assisted by a Secretary appointed by the BOC.
4. Pada setiap waktu Dewan Komisaris berdasarkan 4. Based on the resolution of the Board of Commissioners
suatu keputusan Rapat Dewan Komisaris dapat Meeting, at any time the Board of Commissioners may
memberhentikan untuk sementara waktu anggota temporarily suspend any member of the Board of
Direksi dari jabatannya dengan menyebutkan alasannya, Directors from his/her position by stating the reasons,
dengan ketentuan sebagaimana diuraikan dalam with the provisions as described in the Limited Liability
Undang-undang Perseroan Terbatas. Company Law.
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 KOMISARIS WORK GUIDELINES / CHARTER OF THE BOARD

OF COMMISSIONERS
Dewan Komisaris Bank Muamalat telah memiliki pedoman The Board of Commissioners of Bank Muamalat already
dan tata tertib kerja yang tertuang pada Board Manual. has guidelines and work rules in the Board Manual. The
Pedoman kerja tersebut dibuat untuk memudahkan work guidelines are intended to facilitate the Board of
Dewan Komisaris dalam menjalankan tugas dan fungsinya. Commissioners to carry out its duties and functions. The
Pedoman kerja Dewan Komisaris ini senantiasa dievaluasi Board of Commissioners’ work guidelines is always evaluated
dan diperbarui secara berkala dengan mengacu pada and updated regularly regarding the prevailing laws and
peraturan dan ketentuan perundang-undangan yang regulations in Indonesia.
berlaku di Indonesia.
Setiap anggota Dewan Komisaris wajib mematuhi pedoman Each member of the Board of Commissioners is obliged to
dan tata tertib kerja tersebut agar dapat melaksanakan fungsi comply with the guidelines and work rules to carry out the
pengawasan secara efisien, efektif, transparan, independen supervisory function efficiently, effectively, transparently,
dan akuntabel. Adapun dasar penyusunan pedoman dan independently, and accountably. The guidelines and work
tata tertib kerja Dewan Komisaris adalah sebagai berikut: rules of the Board of Commissioners are based on the
following:
1. Undang-undang Nomor 8 Tahun 1995 tentang Pasar 1. Law Number 8 the Year 1995 on Capital Market
Modal
2. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 2. Law No. 40 of 2007 concerning Limited Liability
Terbatas; Companies;
3. Peraturan OJK dan Surat Edaran OJK terkait penerapan 3. OJK Regulations and OJK Circular Letters related to the
dan organ Tata Kelola Perusahaan; implementation and organs of Corporate;
4. Anggaran Dasar Bank 4. Articles of Association of the Bank
5. Ketentuan dan peraturan perundang-undangan terkait 5. Other relevant laws and regulations
lainnya.

Berikut ialah isi dari Piagam Dewan Komisaris Bank The following are the contents of the Bank Muamalat Board
Muamalat: of Commissioners Charter:
1. Fungsi 1. Function
2. Komposisi dan Persyaratan 2. Composition and Requirements
3. Pengangkatan dan Masa Jabatan 3. Appointment and Term of Office
4. Rangkap Jabatan 4. Concurrent Position
5. Pengunduran Diri dan Pemberhentian 5. Resignation and Dismissal
6. Komisaris Independen 6. Independent Commissioner
7. Program Orientasi dan Peningkatan Kapabilitas 7. Orientation and Capability Enhancement Program
8. Etika Jabatan 8. Position 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. Meeting 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 Evaluation of the Board of Commissioners
14. Komite-komite Dewan Komisaris 14. Committees of the Board of Commissioners
15. Sekretaris Dewan Komisaris 15. Secretary of the Board of Commissioners
KRITERIA DEWAN KOMISARIS CRITERIA FOR THE BOARD OF COMMISSIONERS

Bank Muamalat telah menetapkan kriteria Dewan Komisaris Bank Muamalat has set the criteria for the Board of
sebagai berikut: Commissioners as follows:
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 10. Has the will and ability to supervise BMI’s business
mengawasi kegiatan usaha BMI agar sesuai dengan activities to comply with the prudential principles and
prinsip kehatihatian dan prinsip syariah di bidang sharia principles in the field of sharia banking.
perbankan syariah.
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.
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
Masa jabatan anggota Dewan Komisaris Bank Muamalat Members of the Board of Commissioners are appointed
ialah terhitung sejak tanggal RUPS pengangkatan dan starting from the date of the GMS of appointment and
berakhir pada saat penutupan RUPS tahunan yang ke 5 ending at the closing of the 5th (fifth) annual GMS after the
(lima) setelah tanggal pengangkatannya. Ketentuan atas appointment date. These provisions are without prejudice to
masa jabatan tersebut tidak mengurangi hak RUPS untuk the right of the GMS to dismiss at any time before the term of
sewaktu-waktu memberhentikan anggota Dewan Komisaris office ends by stating the reasons. This is under the Articles
sebelum masa jabatan berakhir dengan menyebutkan of Association/GMS and the Limited Liability Company Law.
alasan pemberhentian. Ketentuan tersebut merujuk pada
dengan UU Perseroan Terbatas, Anggaran Dasar, dan
ketentuan terkait.
Dewan Komisaris dapat menjabat paling banyak 2 (dua) kali The Board of Commissioners may serve a maximum of 2
masa jabatan dengan 1 (satu) periode masa jabatan paling (two) terms of office with 1 (one) term of office of a maximum
lama 5 (lima) tahun. Dalam hal seorang anggota Dewan of 5 (five) years. Suppose a member of the Board of
Komisaris berhenti atau diberhentikan sebelum masa Commissioners resigns or is dismissed before his/her term of
jabatannya, maka masa jabatan penggantinya ialah sisa office. In that case, the term of office of his/her replacement
masa jabatan anggota Dewan Komisaris yang digantikannya. is the remaining term of office of the member of the Board
Adapun apabila terdapat penambahan anggota Dewan of Commissioners he/she replaces. In the event there are
Komisaris, maka masa jabatan anggota Dewan Komisaris additional members of the Board of Commissioners, the
tersebut akan berakhir bersamaan dengan berakhirnya term of office of the member of the Board of Commissioners
masa jabatan Dewan Komisaris lainnya yang telah ada. will end at the same time as the end of the term of office of
the other existing Board of Commissioners.
Jabatan Dewan Komisaris dinyatakan berakhir apabila The position of a member of the Board of Commissioners
anggota Dewan Komisaris tersebut diberhentikan melalui is declared terminated if the member of the Board of
RUPS, mengundurkan diri, dan tidak lagi memenuhi Commissioners is dismissed based on the GMS resolution,
persyaratan sebagai anggota Dewan Komisaris berdasarkan resigns, passes away, reaches the end of his/her term, and
ketentuan Anggaran Dasar dan peraturan perundang- no longer meets the requirements as a member of the Board
undangan yang berlaku, meninggal dunia atau masa of Commissioners based on the provisions of the Articles of
jabatannya berakhir. Association and the prevailing laws and regulations.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND BASIS FOR APPOINTMENT

DEWAN KOMISARIS OF THE BOARD OF COMMISSIONERS
Pada 31 Desember 2022, komposisi susunan keanggotaan As of 31 December 2022, the membership composition
Dewan Komisaris Bank ialah 5 (lima) orang anggota Dewan of the Bank’s Board of Commissioners consists of 5 (five)
Komisaris yang terdiri atas 4 (empat) orang Komisaris members of the Board of Commissioners, consisting of
Independen dan 1 (satu) Komisaris Non-Independen. 4 (four) Independent Commissioners and 1 (one) Non-
Jumlah tersebut telah memenuhi ketentuan Pasal 53 POJK Independent Commissioner. This amount has complied with
Nomor 16/POJK.03/2022 Tentang Bank Umum Syariah yang the provisions of Article 53 POJK Number 16/POJK.03/2022
mengatur bahwa jumlah anggota Dewan Komisaris paling concerning Sharia Commercial Banks that stipulate that the
kurang 3 (tiga) orang dan paling banyak sama dengan jumlah number of members of the Board of Commissioners is at

anggota Direksi, paling kurang 1 (satu) orang anggota Dewan least 3 (three) and at most equal to the number of members
Komisaris wajib berdomisili di Indonesia serta sedikitnya 50% of the Board of Directors, at least 1 (one) member of the
(lima puluh persen) dari jumlah anggota Dewan Komisaris Board of Commissioners must be domiciled in Indonesia
adalah Komisaris Independen. and at least 50% (fifty percent) ) of the total members of the
Board of Commissioners are Independent Commissioners.
Selanjutnya berdasarkan POJK No. 27/POJK.03/2016 tentang Furthermore, based on POJK No. 27/POJK.03/2016 concerning
Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Capability and Appropriateness Assessment for Main Parties
Lembaga Jasa Keuangan, calon anggota Dewan Komisaris of Financial Services Institutions, prospective members of
wajib memperoleh persetujuan dari Otoritas Jasa Keuangan the Board of Commissioners must obtain approval from the
sebelum menjalankan tindakan, tugas, dan fungsinya sebagai Financial Services Authority before carrying out their actions,
Dewan Komisaris. Hingga akhir tahun buku 2022, tercatat 3 duties, and functions as the Board of Commissioners. Until
(tiga) orang anggota Dewan Komisaris Bank Muamalat yang the end of the 2022 financial year, 3 (three) members of the
telah dinyatakan lulus Penilaian Kemampuan dan Kepatutan Board of Commissioners of Bank Muamalat had passed the
(PKK) oleh OJK. Fit and Proper Assessment (PKK) by the OJK.
Berikut ini adalah susunan anggota Dewan Komisaris The following is the composition of the members of the Board
beserta dasar pengangkatannya: 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
Mardiasmo*) Komisaris Utama 29 November 2022 Proses penyiapan dokumen - -

Independen November 29, 2022 persyaratan Penilaian
Independent Kemampuan dan Kepatutan
President in process of preparing
Commissioner the Fit and Proper Test
requirements document
Suwarta*) Komisaris 29 November 2022 Sedang dalam proses - -
Independen November 29, 2022 Penilaian Kemampuan dan
Independent Kepatutan dari OJK
Commissioner In the process of Fit and
Proper Assessment from OJK
Sartono Komisaris 24 Juni 2022 Salinan Keputusan Anggota 16 Januari 2023 -
Independen June 24, 2022 Dewan Komisioner Otoritas Januari 16, 2023
Independent Jasa Keuangan nomor
Commissioner KEP-8/D.03/2023 tanggal 16
Januari 2023 16 Januari 2023
Copy of Decision of
Members of the Board
of Commissioners of the
Financial Services Authority
number KEP-8/D.03/2023
dated January 16, 2023
January 16, 2023
Amin Said Husni Komisaris 24 Juni 2022 Salinan Keputusan Anggota 16 Januari 2023 -
Independen June 24, 2022 Dewan Komisioner Otoritas Januari 16, 2023
Independent Jasa Keuangan nomor
Commissioner KEP-9/D.03/2023 tanggal 16
Januari 2023
Copy of Decision of the
Member of the Board of
Commissioners of the
dated January 16, 2023
Andre Mirza Komisaris 24 Juni 2022 Salinan Keputusan Anggota 19 Juli 2022 -
Hartawan Commissioner June 24, 2022 Dewan Komisioner Otoritas July 19, 2022
Jasa Keuangan nomor KEP-
114/D.03/2022 tanggal 19
Juli 2022
Copy of Decision of the
Member of the Board of
Commissioners of the
dated July 19, 2022
*)

KEPEMILIKAN SAHAM DEWAN KOMISARIS SHARE OWNERSHIP OF THE BOARD OF

COMMISSIONERS
Berdasarkan ketentuan Peraturan Bank Indonesia No. 11/33/ According to 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 16 Sharia Commercial Banks and Sharia Business Units article
serta sebagai wujud penerapan prinsip transparansi dalam 16 and as a form of the implementation of the transparency
GCG, seluruh anggota Dewan Komisaris Perseroan wajib principle in GCG, all members of the Board of Commissioners
mengungkapkan kepemilikan sahamnya pada BUS yang are required to disclose their share ownership in the relevant
bersangkutan. BUS.
Pada 31 Desember 2022, terdapat satu anggota Dewan As of 31 December 2022, it was recorded that there were no
Komisaris Bank Muamalat Indonesia yang memiliki saham, members of the Board of Commissioners of Bank Muamalat
baik atas nama sendiri maupun secara bersama-sama yang Indonesia who owned shares, either on their behalf or
melebihi 5% (lima persen) dari modal disetor pada Bank collectively, which exceeded 5% (five percent) of the paid-
Muamalat Indonesia, sebagaimana disajikan pada tabel up capital of Bank Muamalat Indonesia, as presented in the
berikut ini: following table:
Jumlah Kepemilikan Saham Jumlah Nominal Saham

Persentase Number of Share Ownership Total Nominal Shares
Nama Jabatan Kepemilikan
Name Position Percentage of Seri A Seri A
Seri B Seri C Seri B Seri C
Ownership Series Series
Series B Series C Series B Series C
A A
Mardiasmo*) Komisaris Utama – – – – – – –
Independen
Independent
President
Commissioner
Suwarta*) Komisaris – – – – – – –
Independen
Independent
Commissioner
Sartono Komisaris – – – – – – –
Independen
Independent
Commissioner
Amin Said Husni Komisaris – – – – – – –
Independen
Independent
Commissioner
Andre Mirza Komisaris 5,19% – 169.500.000 2.427.050.000 – 16.950.000.000 72.811.500.000
Hartawan Commissioner
*)
KEBIJAKAN RANGKAP JABATAN DEWAN POLICY ON CONCURRENT POSITIONS OF THE

KOMISARIS BOARD OF COMMISSIONERS
Ketentuan rangkap jabatan Anggota Dewan Komisaris Bank Concurrent positions of Member of the Board of
Muamalat Indonesia mengacu pada ketentuan POJK Nomor Commissioners of Bank Muamalat Indonesia refers to OJK
16/POJK.03/2022 Tentang Bank Umum Syariah, yang mana Regulation No. 16/POJK.03/2022 on Sharia Commercial
anggota Dewan Komisaris dilarang melakukan rangkap Banks, which members of the Board of Commissioners are
jabatan sebagai anggota Direksi, anggota Dewan Komisaris, prohibited from holding concurrent positions as members of
atau Pejabat Eksekutif pada: the Board of Directors, members of the Board Commissioner,
or Executive Officer at:
a. lembaga keuangan atau perusahaan keuangan, baik a. financial institutions or financial companies, both banks
bank maupun bukan bank; dan/atau and non-banks; and/or
b. lebih dari 1 (satu) lembaga bukan keuangan atau b. more than 1 (one) non-financial institution or non-
perusahaan bukan keuangan, baik yang berkedudukan financial company, whether domiciled inside or outside
di dalam maupun di luar negeri. the country.

Rangkap Jabatan Dewan Komisaris Bank Muamalat Dual Position of Board of Commissioners of Bank
Indonesia Muamalat Indonesia
Jabatan pada Lembaga atau
Nama Jabatan Nama Lembaga atau Perusahaan Lain
Perusahaan Lain
Name Position Company Name
Position at Other Companies
Mardiasmo*) Komisaris Utama Independen Komisaris Independen PT TASPEN (Persero) atau Dana
Independent President Commissioner Independent Commissioner Tabungan dan Asuransi Pegawai Negeri
Suwarta*) Komisaris Independen Partner JMT Law House
Sartono Komisaris Independen Jaksa Fungsional Kejaksaan Agung
Independent Commissioner Jaksa Fungsional Attorney General's Office
Amin Said Husni Komisaris Independen - -
Andre Mirza Komisaris Komisaris Utama PT Wisma Seratus Sejahtera
Hartawan Commissioner President Commissioner
*)
PROGRAM PENGENALAN PERUSAHAAN BAGI COMPANY INTRODUCTION PROGRAM FOR NEW

KOMISARIS BARU COMMISSIONERS
Program orientasi berupa pengenalan perusahaan kepada The orientation program in the form of a company
anggota Dewan Komisaris baru dilakukan atas dasar introduction to new members of the Board of Commissioners
beberapa pertimbangan, salah satunya adalah ketentuan is carried out based on several considerations, one of which
peraturan perundang-undangan. Prosedur Program is the provisions of laws and regulations. Bank Muamalat
Orientasi Bank Muamalat mencakup hal-hal sebagai berikut: Orientation 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 (the Bank) must be given to new members of
yang baru pertama kali menjabat di Bank. the Board of Commissioners who serves at the Bank for
the first time.
2. Tanggung jawab pelaksanaan program orientasi ada pada 2. The responsibility for implementing the orientation
Komisaris Utama. Jika Komisaris Utama berhalangan program lies with the President Commissioner. In
maka tanggung jawab pelaksanaan program orientasi the event the President Commissioner is absent, the
berada pada Direktur Utama. responsibility for implementing the orientation program
lies with the President Director.
3. Materi yang diberikan pada program orientasi meliputi 3. The materials provided in the orientation program
hal-hal sebagai berikut: include 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 services products.
Bank.
c. Pelaksanaan prinsip-prinsip Good Corporate c. Implementation of the principles of Good Corporate
Governance oleh Bank. Governance by the Bank.
d. Tanggung jawab hukum anggota Dewan Komisaris. d. Legal responsibility of members of the Board of
Commissioners.
e. Penjelasan yang berkaitan dengan kewenangan yang e. Explanations relating to delegated authority, internal
didelegasikan, audit internal dan eksternal, system and external audit, 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. An explanation of the obligations, duties,
jawab dan hak-hak Dewan Pengawas Syariah, Dewan responsibilities and rights of the Sharia Supervisory
Komisaris, dan Direksi. Board, the Board of Commissioners, and the 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 those who have just
yang pernah menjabat sebelumnya dengan tujuan served and those who have served previously with
mewujudkan kekompakan dan kerja sama tim the aim of realizing cohesiveness and teamwork as
sebagai Dewan Komisaris. the Board of Commissioners.
h. Program orientasi yang diberikan dapat berupa h. The orientation program provided can be in the form
presentasi, pertemuan atau kunjungan ke fasilitas of presentations, meetings or visits to the Bank's
Bank, perkenalan dengan para karyawan senior dan facilities, introductions to senior employees and
para karyawan Bank serta program lainnya. Bank employees and other programs.
Pada tahun 2022, Bank Muamalat telah melaksanakan 3 In 2022, Bank Muamalat carried out 3 (three) company
(tiga) kali program orientasi/pengenalan perusahaan kepada orientation/introduction programs for New Board of
anggota Dewan Komisaris Baru pada tanggal 8 Februari 2022, Commissioners members on February 8, 2022, July 1, 2022,
1 Juli 2022, dan 5 Desember 2022 sesuai dengan perubahan and December 5, 2022, in accordance with changes in the
struktur keanggotaan Dewan Komisaris pada RUPSLB 28 membership structure of the Board of Commissioners at the
Februari 2022, 24 Juni 2022, dan 29 November 2022. EGMS on February 28, 2022, June 24, 2022, and November
29, 2022.
PEMBIDANGAN TUGAS PENGAWASAN DEWAN DIVISION OF SUPERVISORY DUTIES OF THE

KOMISARIS BOARD OF COMMISSIONERS
Dalam rangka membantu pelaksanaan tugas dan tanggung In order to assist the implementation of the duties and
jawab Dewan Komisaris, Dewan Komisaris dibantu oleh responsibilities of the Board of Commissioners, the Board
komite-komite tingkat Dewan Komisaris. Yang mana of Commissioners is assisted by Board of Commissioners-
keanggotaan setiap anggota Dewan Komisaris pada masing- level committees. The membership of each member of the
masing komite sesuai dengan kompetensi, pengalaman, dan Board of Commissioners in each committee is in accordance
bidang masing-masing anggota. Uraian mengenai komite- with each member’s competence, experience, and field. A
komite tingkat Dewan Komisaris adalah sebagai berikut: description of the Board of Commissioners level committees
is as follows:
Nama Keanggotaan Komite Level Komisaris Jabatan

Name Commissioner Level Committee Membership Position
Mardiasmo*) Komite Audit Ketua

Audit Committee Chairman
Komite Tata Kelola Perusahaan Anggota
Corporate Governance Committee Member
Suwarta*) Komite Audit Anggota
Audit Committee Member
Komite Pemantau Risiko Ketua
Risk Monitoring Committee Chairman
Komite Nominasi dan Remunerasi Anggota
Nomination and Remuneration Committee Member
Sartono Komite Audit Anggota
Komite Pemantau Risiko Anggota
Risk Monitoring Committee Member
Komite Tata Kelola Perusahaan Ketua
Corporate Governance Committee Chairman
Amin Said Husni Komite Pemantau Risiko Anggota
Risk Monitoring Committee Member
Komite Nominasi dan Remunerasi Ketua
Nomination and Remuneration Committee Chairman
Andre Mirza Hartawan Komite Audit Anggota
Komite Nominasi dan Remunerasi Anggota
Nomination and Remuneration Committee Member
*)

KEPUTUSAN YANG PERLU MENDAPAT DECISIONS REQUIRING THE APPROVAL BOARD

PERSETUJUAN DEWAN KOMISARIS OF COMMISSIONERS
Menindaklanjuti Peraturan Bank Indonesia No. 11/33/ Following up on Bank Indonesia Regulation No. 11/33/
PBI/2009 tentang Pelaksanaan Good Corporate Governance PBI/2009 on the Implementation of Good Corporate
bagi Bank Umum Syariah dan Unit Usaha Syariah pasal 8 Governance for Sharia Commercial Banks and Sharia
ayat (4), dalam melakukan pengawasan, Dewan Komisaris Business Units article 8 paragraph (4), in conducting
dilarang ikut serta dalam pengambilan keputusan kegiatan supervision, the Board of Commissioners is prohibited from
operasional Bank. Ketentuan itu tidak termasuk dalam participating in decision-making on the Bank’s operational
pengambilan keputusan untuk pemberian pembiayaan activities. This provision does not include decision-making
kepada Direksi sepanjang kewenangan Dewan Komisaris for financing to the Board of Directors to the extent that
tersebut ditetapkan dalam Anggaran Dasar Bank atau dalam the authority of the Board of Commissioners is stipulated in
Rapat Umum Pemegang Saham. the Bank’s Articles of Association or the General Meeting of
Shareholders.
Selanjutnya PBI tersebut juga mengatur bahwa Dewan Furthermore, the PBI stipulates that the Board of
Komisaris dapat ikut serta dalam pengambilan keputusan Commissioners may participate in decision-making on
atas hal-hal lain yang ditetapkan dalam Anggaran Dasar other matters stipulated in the Bank’s Articles of Association
Bank atau peraturan perundang-undangan. Pengambilan or laws and regulations. Decision-making on the Bank’s
keputusan kegiatan operasional Bank oleh Dewan operational activities by the Board of Commissioners, as
Komisaris sebagaimana dimaksud di atas ialah bagian dari referred to above, is part of the supervisory duties of the
tugas pengawasan oleh Dewan Komisaris. Sehingga, tidak Board of Commissioners. Thus, it does not negate the
meniadakan tanggung jawab Direksi atas pelaksanaan responsibility of the Board of Directors to implement the
kepengurusan Bank. Bank's management.
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION

Kompetensi dan keahlian di bidang manajemen Competence and expertise in risk management are the
risiko merupakan sebuah kebutuhan yang harus requirements that must be acquired by the Board of
dikuasai Dewan Komisaris sehingga dapat mengawasi Commissioners to effectively oversee the implementation
pelaksanaan manajemen risiko Bank secara efektif. Hal of the Bank’s risk management. This is also confirmed
tersebut juga ditegaskan oleh Peraturan Otoritas Jasa by the Regulation of the Financial Services Authority of
Keuangan Republik Indonesia Nomor 24 Tahun 2022 the Republic of Indonesia Number 24 of 2022 concerning
Tentang Pengembangan Kualitas Sumber Daya Manusia the Development of the Quality of Human Resources of
Bank Umum yang mengatur bahwa Dewan Komisaris dan Commercial Banks, which stipulates that the Board of
Direksi wajib memiliki Sertifikasi Kompetensi Kerja di bidang Commissioners and Directors are required to have Work
manajemen risiko yang diterbitkan oleh Lembaga Sertifikasi Competency Certification in the field of risk management
Profesi terkait. issued by the relevant Professional Certification Institution.
Kepemilikan Sertifikasi Manajemen Risiko Dewan Board of Commissioners Risk Management Certification
Komisaris
Lembaga yang
Level Tanggal Program
Mengeluarkan Tanggal
Nama Jabatan Sertifikasi Bidang Kadaluarsa Pemeliharaan
Sertifikasi Dikeluarkan
Name Position Certification Subject Expiration Maintenance
Certifying Issuing Date
Level Date Program
Agency
Mardiasmo*) Komisaris 2 Risk BSMR (Badan 5 Desember 5 Desember -

Utama Management Sertifikasi 2022 2026
Independen Certification Manajemen December 5, December 5,
Independent Risiko) 2022 2026
President
Commissioner
Suwarta*) Komisaris 5 Risk Lembaga 4 Agustus 23 Agustus -
Independen Management Sertifikasi 2022 2024
Independent Certification Profesi August 4, August 23,
Commissioner Perbankan 2022 2024
(LSPP)
Sartono Komisaris 2 Risk Lembaga 12 September 12 September -
Independen Management Sertifikasi 2022 2026
Independent Certification Profesi September September 12,
Commissioner Perbankan 12, 2022 2026
(LSPP)

Lembaga yang
Level Tanggal Program
Mengeluarkan Tanggal
Nama Jabatan Sertifikasi Bidang Kadaluarsa Pemeliharaan
Sertifikasi Dikeluarkan
Name Position Certification Subject Expiration Maintenance
Certifying Issuing Date
Level Date Program
Agency
Amin Said Komisaris 2 Risk Lembaga 12 September 12 September -

Husni Independen Management Sertifikasi 2022 2026
Independent Certification Profesi September September 12,
Commissioner Perbankan 12, 2022 2026
(LSPP)
Andre Mirza Komisaris 2 Risk Lembaga 4 Mei 2019 4 Mei 2023 24 Februari 2021
Hartawan Commissioner Management Sertifikasi May 4, 2019 May 4, 2023 February 24, 2021
Certification Profesi
Perbankan
(LSPP)
*)
PROGRAM PENGEMBANGAN KOMPETENSI BOARD OF COMMISSIONERS COMPETENCY

DEWAN KOMISARIS DEVELOPMENT PROGRAM
Dewan Komisaris sepanjang tahun 2022 telah mengikuti The Board of Commissioners throughout 2022 has attended
berbagai pelatihan untuk meningkatkan kompetensi, yang various training to improve competence, which are detailed
secara rinci disampaikan dalam bab “Profil Perusahaan” in the "Company Profile" chapter in this Annual Report.
dalam Laporan Tahunan ini.
PENGELOLAAN BENTURAN KEPENTINGAN MANAGEMENT OF CONFLICT OF INTEREST OF

DEWAN KOMISARIS THE BOARD OF COMMISSIONERS
Sesuai ketentuan Pasal 61 Peraturan Bank Indonesia No. In accordance with Article 61 of Bank Indonesia Regulation
11/33/PBI/2009 tentang Pelaksanaan Good Corporate No. 11/33/PBI/2009 on the Implementation of Good
Governance bagi Bank Umum Syariah dan Unit Usaha Syariah, Corporate Governance for Sharia Commercial Banks and
Bank telah memiliki pengaturan atas pengelolaan benturan Sharia Business Units, the Bank has arrangements for
kepentingan. Apabila terdapat benturan kepentingan, managing conflicts of interest. If there is a conflict of interest,
anggota Dewan Komisaris tidak boleh mengambil members of the Board of Commissioners must not take
tindakan yang berpotensi dapat mengurangi aset atau actions that could potentially reduce the assets or reduce
mengurangi keuntungan Bank Umum Syariah (BUS) dan the profits of the Islamic Commercial Bank (BUS) and must
wajib mengungkapkan benturan kepentingan dalam setiap disclose the conflict of interest in each decision.
keputusannya.
Anggota Dewan Komisaris juga diharuskan untuk senantiasa Members of the Board of Commissioners are also required
mengutamakan kepentingan Bank dan tidak mengurangi to always prioritize the interests of the Bank and 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 of a
situasi dan kondisi adanya benturan kepentingan. conflict of interest.
Selanjutnya, Anggota Dewan Komisaris diminta untuk Furthermore, members of the Board of Commissioners
melakukan pengungkapan hubungan kekeluargaan, are required to disclose family relationships, financial
hubungan keuangan, hubungan kepengurusan, hubungan relationships, management relationships, and ownership
kepemilikan dengan Anggota Komisaris lain dan/atau relationships with other members of the Board of
anggota Direksi dan/atau pemegang saham pengendali Commissioners and/or members of the Board of Directors
Bank dan/atau pihak lainnya dalam rangka bisnis Bank serta and/or controlling shareholders of the Bank and/or other
melakukan keterbukaan dalam hal pengambilan keputusan parties in the context of the Bank's business as well as
diambil pada kondisi adanya benturan kepentingan. conducting transparency in terms of decision making in
conditions of conflict of interest.

KEPUTUSAN, REKOMENDASI, DAN DECISION, RECOMMENDATION, AND

PELAKSANAAN TUGAS DEWAN KOMISARIS IMPLEMENTATION OF BOARD OF
COMMISSIONERS DUTIES
Dalam melakukan pengawasan terhadap kinerja Bank In supervising the performance of Bank Muamalat Indonesia,
Muamalat Indonesia, Dewan Komisaris memberikan the Board of Commissioners provides recommendations,
rekomendasi, saran dan nasihat kepada Direksi melalui advice, and counsel to the Board of Directors through the
rapat Dewan Komisaris bersama Direksi. Pengawasan dan Board of Commissioners meeting with the Board of Directors.
nasihat Dewan Komisaris juga disampaikan melalui komite- Supervision and advice of the Board of Commissioners are
komite tingkat Dewan Komisaris yaitu Komite Audit, Komite also conveyed through the Board of Commissioners level
Pemantau Risiko dan Komite Nominasi dan Remunerasi, committees, namely the Audit Committee, Risk Monitoring
dan Komite Tata Kelola Perusahaan yang pembahasannya Committee and Nomination and Remuneration Committee,
disampaikan pada rapat Dewan Komisaris. and the Corporate Governance Committee, whose discussion
is submitted at the Board of Commissioners meeting.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF COMMITTEES

DEWAN KOMISARIS UNDER THE BOARD OF COMMISSIONERS
Dasar Penilaian Basis of Assessment

Penilaian atas kinerja komite-komite tingkat Dewan Assessment of the committees' performance at the Board of
Komisaris dilakukan secara berkala dengan metode self- Commissioners level is conducted periodically using the self-
assessment secara kolektif dan kolegial. Berikut merupakan assessment method collectively and collegially. The following
dasar penilaian atas kinerja anggota komite tingkat Dewan is the basis for assessing the performance of members of
Komisaris dalam melaksanakan tugas dan tanggung the Board of Commissioners level committees in carrying
jawabnya: out their duties and responsibilities:
1. Pemenuhan Struktur Organisasi Komite 1. Fulfillment of Committee Organizational Structure;
2. Ketersediaan Piagam/Charter Komite 2. Availability of Committee Charter/Charter;
3. Pelaksanaan Rapat Komite 3. Implementation of Committee Meetings;
4. Dokumentasi Hasil Rekomendasi Komite 4. Documentation of Committee Recommendation Results
Hasil Penilaian Assessment Result

Selama tahun 2022, Dewan Komisaris menilai bahwa seluruh During 2022, the Board of Commissioners assessed that
komite tingkat Dewan Komisaris telah menjalankan tugas all Board of Commissioners-level committees performed
dan tanggung jawabnya dengan baik dalam membantu admirably in aiding the Board of Commissioners in carrying
fungsi pengawasan yang dijalankan Dewan Komisaris. out its supervisory activities. The evaluation is based on
Penilaian tersebut berlandaskan atas kinerja komite-komite the performance of the committees that gave input and
yang telah memberikan masukan dan saran kepada Dewan recommendations to the BOC in their respective areas of
Komisaris sesuai dengan bidang tanggung jawabnya. responsibility.

MEKANISME PENGUNDURAN DIRI DAN MECHANISM OF RESIGNATION AND DISMISSAL

PEMBERHENTIAN DEWAN KOMISARIS OF THE BOARD OF COMMISSIONERS
Merujuk pada ketentuan perundang-undangan yang berlaku With reference to the prevailing laws and regulations and
dan Anggaran Dasar Perseroan, mekanisme pengunduran the Company's Articles of Association, the mechanism of
diri dan pemberhentian Dewan Komisaris Bank Muamalat resignation and dismissal of the Board of Commissioners of
ialah sebagai berikut: Bank Muamalat is as follows:
1. Anggota Dewan Komisaris berhak mengundurkan diri 1. Members of the Board of Commissioners have the right
dari jabatannya dengan memberitahukan secara tertulis to resign from their position by notifying the Company in
kepada perusahaan dalam jangka waktu 90 (Sembilan writing within 90 (Ninety) days prior to the resignation.
puluh) hari sebelum pengunduran diri dimaksud.
2. Perusahaan wajib menyelenggarakan RUPS untuk 2. The Company must hold a GMS to resolve the resignation
memutuskan permohonan diri anggota Dewan Komisaris of the member of the Board of Commissioners no later
tersebut dalam jangka waktu selambatlambatnya than 90 (Ninety) days after receipt of the resignation
90 (Sembilan puluh) hari setelah diterimanya surat application letter.
permohonan pengunduran diri.
3. Perusahaan wajib melakukan keterbukaan informasi 3. The Company shall disclose information to the public
kepada masyarakat dan menyampaikan kepada Otoritas and submit to the Financial Services Authority no later
Jasa Keuangan paling lambat 2 (dua) hari kerja setelah: than 2 (two) business days after:
a. diterimanya permohonan pengunduran diri anggota a. receipt of application for resignation of member of
Dewan Komisaris the Board of Commissioners
b. hasil penyelenggaraan RUPS b. the result of the GMS
4. Pengunduran diri dan/atau pemberhentian anggota 4. Resignation and/or dismissal of members of the Board
Dewan Komisaris wajib dilaporkan kepada Otoritas of Commissioners must be reported to the Financial
Jasa Keuangan paling lambat 10 (sepuluh) hari sejak Services Authority no later than 10 (ten) days after the
pemberhentian dan/atau pengunduran diri efektif. dismissal and/or resignation is effective.
5. Apabila seluruh anggota Dewan Komisaris diberhentikan 5. If all members of the Board of Commissioners are
dari jabatannya, mengundurkan diri dari jabatannya, dismissed from office, resign from office, or for any
atau oleh suatu sebab apa pun jabatan Anggota Dewan reason the position of a member of the Board of
Komisaris lowong dan Bank tidak mempunyai seorang Commissioners is vacant and the Bank does not have
pun anggota Dewan Komisaris maka masa jabatan a member of the Board of Commissioners, the term of
penggantinya atau masa jabatan seluruh penggantinya office of his/her successor or the term of office of all
adalah sisa masa jabatan Anggota Dewan Komisaris his/her successors shall be the remaining term of office
yang digantikannya. of the member of the Board of Commissioners he/she
replaces.
6. Apabila terdapat penambahan anggota Dewan 6. If there is an additional member of the Board of
Komisaris, maka masa jabatan anggota Dewan Komisaris Commissioners, the term of office of the member of the
tersebut akan berakhir bersamaan dengan masa jabatan Board of Commissioners will end at the same time as the
anggota Dewan Komisaris lainnya yang telah ada. term of office of the other existing members of the Board
of Commissioners.

Independent Commissioners
Komisaris Independen ialah 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 members of
anggota Direksi, Dewan Komisaris lainnya dan/atau the Board of Directors, other Board of Commissioners
Pemegang Saham Pengendali atau hubungan dengan and/or Controlling Shareholders or relationships with the
Perseroan yang dapat memengaruhi kemampuan yang Company that may affect the ability to act independently.
bersangkutan untuk bertindak independen. Pengangkatan The appointment of the Independent Commissioner of Bank
Komisaris Independen Bank Muamalat merujuk pada Muamalat refers to OJK Regulation No. 33/POJK.04/2014
Peraturan OJK No. 33/POJK.04/2014 tentang Direksi dan concerning Directors and Board of Commissioners of Issuers
Dewan komisaris Emiten atau Perusahaan Publik. or Public Companies.
Komisaris Independen bertanggung jawab untuk melakukan Independent Commissioners are responsible for supervising
pengawasan dan juga mewakili kepentingan Pemegang and also representing the interests of minority shareholders.
Saham minoritas. Selain itu, keberadaan Komisaris In addition, the existence of an Independent Commissioner
Independen bertujuan untuk mendorong terwujudnya aims to encourage the realization of a climate and work
iklim dan lingkungan kerja yang lebih objektif dan dapat environment that is more objective and can place fairness
menempatkan kewajaran (fairness) serta kesetaraan di and equality among various interests, including the interests
antara berbagai kepentingan, termasuk kepentingan of stakeholders and minority shareholders.
stakeholders dan shareholders minoritas.
KRITERIA KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONER CRITERIA

Merujuk ketentuan Peraturan Bank Indonesia No. 11/33/ Referring to the provisions of Bank Indonesia Regulation No.
PBI/2009 tentang Pelaksanaan Good Corporate Governance 11/33/PBI/2009 on the Implementation of Good Corporate
bagi Bank Umum Syariah dan Unit Usaha Syariah, Komisaris Governance for Sharia Commercial Banks and Sharia
Independen ialah anggota Dewan Komisaris yang tidak Business Units, an Independent Commissioner is a member
memiliki: of the Board of Commissioners who does 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 of
pengendali, anggota Dewan Komisaris dan/atau anggota 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, which may support his/her
kemampuannya untuk bertindak independen. ability to act independently.
Adapun berdasarkan Peraturan Otoritas Jasa Keuangan Based on Financial Services Authority Regulation No. 33/
No. 33/ POJK.04/2014 tentang Direksi dan Dewan Komisaris POJK.04/2014 regarding the Board of Directors and Board
Emiten atau Perusahaan Publik, Komisaris Independen of Commissioners of Issuers or Public Companies, an
merupakan anggota Dewan Komisaris yang berasal dari Independent Commissioner is a member of the Board of
luar Emiten atau Perusahaan Publik dan telah memenuhi Commissioners who comes from outside the Issuer or Public
persyaratan sebagai Komisaris Independen sebagai berikut: Company and has fulfilled the following requirements as an
Independent Commissioner:
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. Not having shares either directly or indirectly in the
langsung pada Emiten atau Perusahaan Publik tersebut; Issuer or Public Company;

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 major shareholders of the
Perusahaan Publik tersebut; dan Issuer or Public Company; and
4. Tidak mempunyai hubungan usaha baik langsung 4. Not having a business relationship, either directly or
maupun tidak langsung yang berkaitan dengan kegiatan indirectly, related to the business activities of the Issuer
usaha Emiten atau Perusahaan Publik tersebut. or Public Company.
Berkaitan dengan Peraturan Bank Indonesia No. 11/33/ In connection with Bank Indonesia Regulation No. 11/33/
PBI/2009 tentang Pelaksanaan Good Corporate Governance PBI/2009 concerning the Implementation of Good Corporate
bagi Bank Umum Syariah dan Unit Usaha Syariah serta Governance for Sharia Commercial Banks and Sharia
Peraturan Otoritas Jasa Keuangan No. 33/POJK.04/2014 Business Units and Financial Services Authority Regulation
tentang Direksi dan Dewan Komisaris Emiten atau No. 33 / POJK.04 / 2014 concerning Directors and Board
Perusahaan Publik, Bank Muamalat telah menyusun kriteria of Commissioners of Issuers or Public Companies, Bank
Komisaris Independen yang tertuang dalam Board Manual Muamalat has compiled the criteria for Independent
dengan ketentuan sebagai berikut: Commissioners contained in the Board Manual with the
following provisions:
1. Bukan merupakan orang yang bekerja atau mempunyai 1. Not a person who works or has the authority and
memimpin, mengendalikan, atau mengawasi kegiatan activities of the Company within the last 6 (six) months,
Perseroan dalam waktu 6 (enam) bulan terakhir, except for reappointment as Independent Commissioner
kecuali untuk pengangkatan kembali sebagai Komisaris of the Company in the following period;
Independen Perseroan pada periode berikutnya;
2. Tidak mempunyai saham baik langsung maupun tidak 2. Does not own shares either directly or indirectly in the
langsung pada Perseroan; Company;
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 major shareholders of the Company;
4. Tidak mempunyai hubungan usaha baik langsung 4. Not having any direct or indirect business relationship
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 waiting period (cooling off) for at
selama 6 (enam) bulan bagi calon anggota Komisaris least 6 (six) months for prospective members of the
Independen yang sebelumnya menjabat sebagai anggota Independent Commissioner who previously served as
Direksi Bank Muamalat kecuali jabatan sebelumnya members of the Board of Directors of Bank Muamalat,
sebagai Direksi Bank Muamalat yang melakukan fungsi except for their previous position as Directors of Bank
pengawasan. Muamalat who performed supervisory functions.
Pemenuhan Kriteria Independensi Komisaris Fulfillment of Independence Criteria of

Independen Independent Commissioner
Kriteria Independent Commissioner
Criteria Amin Said
Mardiasmo*) Suwarta*) Sartono
Husni
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.
Does not have shares either directly or indirectly in the Issuer or Public
Company.

Kriteria Independent Commissioner
Criteria Amin Said
Mardiasmo*) Suwarta*) Sartono
Husni
Tidak mempunyai hubungan afiliasi dengan Emiten atau Perusahaan √ √ √ √

Publik, anggota Dewan Komisaris, anggota Direksi, atau Pemegang Saham
Utama Emiten atau Perusahaan Publik tersebut.
Have no affiliation with the Issuer or Public Company, members of the
Board of Commissioners, members of the Board of Directors, or Major
Shareholders of the Issuer or Public Company.
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung √ √ √ √
yang berkaitan dengan kegiatan usaha Emiten atau Perusahaan Publik
tersebut.
Has no direct or indirect business relationship related to the business
activities of the Issuer or Public Company.
*)
JUMLAH KOMISARIS INDEPENDEN NUMBER OF INDEPENDENT COMMISSIONERS

Pada tahun 2022 Komposisi anggota Dewan Komisaris Bank The composition of the Bank’s Board of Commissioners
berjumlah 5 (lima) orang di mana 4 (empat) orang anggota in 2022 comprised 5 (five) members, including 4 (four)
atau setara dengan 80% di antaranya menjabat sebagai members, or 80% of them, serving as Independent
Komisaris Independen. Dengan demikian jumlah Komisaris Commissioners. Thus the number of Independent
Independen Bank telah memenuhi Peraturan Otoritas Jasa Commissioners of the Bank has fulfilled the Regulation of
Keuangan Republik Indonesia Nomor 16/POJK.03/2022 the Financial Services Authority of the Republic of Indonesia
Tentang Bank Umum Syariah yang mengatur paling kurang Number 16/POJK.03/2022 concerning Sharia Commercial
50% (lima puluh persen) dari jumlah anggota Dewan Banks, which regulates that at least 50% (fifty percent) of the
Komisaris adalah Komisaris Independen dan memenuhi total number of members of the Board of Commissioners
Peraturan OJK No. 33/POJK.04/2014 tentang jumlah anggota are Independent Commissioners and fulfills OJK Regulation
Dewan Komisaris Bank yang mengatur jumlah Komisaris No. 33/POJK.04/2014 concerning the number of members of
Independen wajib paling kurang 30% (tiga puluh persen) dari the Board of Commissioners of Banks, which regulates that
jumlah seluruh anggota Dewan Komisaris. the number of Independent Commissioners must be at least
30% (thirty percent) of the total number of members of the
PERNYATAAN INDEPENDENSI KOMISARIS INDEPENDENT COMMISSIONER'S STATEMENT

INDEPENDEN OF INDEPENDENCE
Pernyataan Independensi Komisaris Independen Bank The Independence Statement of the Bank's Independent
telah dikuatkan dengan tersedianya Surat Pernyataan Commissioners has been corroborated by the availability
Independensi oleh masing-masing Komisaris Independen of an Independence Statement Letter by each Independent
yang memuat pernyataan bahwa Komisaris Independen Commissioner which contains a statement that the
tidak memiliki saham Bank serta tidak memiliki hubungan Independent Commissioner does not own shares of the
keuangan maupun hubungan keluarga dengan anggota Bank and does not have a financial or family relationship
Direksi dan Dewan Komisaris serta Pemegang Saham with members of the Board of Directors and Board
Utama dan Pengendali atau hubungan dengan bank, yang of Commissioners as well as Major and Controlling
dapat mempengaruhi kemampuan saya untuk bertindak Shareholders or a relationship with the bank, which may
independen, pada saat beliau diangkat menjadi Komisaris affect my ability to act independently, at the time he was
Independen Bank. appointed as Independent Commissioner of the Bank.

Pernyataan Independensi yang ditandatangani oleh masing- The Independence Statement signed by each member of
masing anggota Komisaris Independen juga mencakup hal- the Independent Commissioner also includes statements
hal sebagai berikut: regarding the following matters:
1. Mempunyai akhlak, moral, dan integritas yang baik; 1. Having good morals, character, and integrity;
2. Cakap melakukan perbuatan hukum; 2. Capable of performing legal acts;
3. Dalam 5 (lima) tahun sebelum pengangkatan dan selama 3. Within 5 (five) years prior to appointment and during
menjabat: 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
anggota Dewan Komisaris yang dinyatakan bersalah and/or a member of the Board of Commissioners
menyebabkan suatu perusahaan dinyatakan pailit; who was found guilty of causing a company to be
declared bankrupt;
c. Tidak pernah dihukum karena melakukan tindak c. Never been convicted of a criminal offense that is
pidana yang merugikan keuangan negara dan/atau detrimental to state finances and/or related to the
yang berkaitan dengan sektor keuangan; financial sector;
d. Tidak pernah menjadi anggota Direksi dan/atau d. Never been a member of the Board of Directors and/
anggota Dewan Komisaris yang selama menjabat: or a member of the Board of Commissioners who
during his/her tenure:
i. Pernah tidak menyelenggarakan RUPS tahunan; i. Has not held an annual GMS;
ii. Pertanggungjawabannya sebagai anggota ii. His/her accountability as a member of the Board
Direksi dan/atau anggota Dewan Komisaris of Directors and/or a member of the Board
pernah tidak diterima oleh RUPS atau pernah of Commissioners has not been accepted by
tidak memberikan pertanggungjawaban sebagai the GMS or has not provided accountability as
anggota Direksi dan/atau anggota Dewan a member of the Board of Directors and/or a
Komisaris kepada RUPS; dan member of the Board of Commissioners to the
GMS; and
iii. Pernah menyebabkan perusahaan yang iii. Has caused 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 not fulfill the obligation to
kewajiban menyampaikan laporan tahunan submit annual reports and/or financial reports to
dan/atau laporan keuangan kepada Otoritas the Financial Services Authority.
JasaKeuangan.
e. Memiliki komitmen untuk mematuhi peraturan e. Have a commitment to comply with laws and
perundang-undangan; dan regulations; and
f. Memiliki pengetahuan dan/atau keahlian di bidang f. Have 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 ialah organ perusahaan yang berwenang dan The Board of Directors is the organ of the Company that
bertanggung jawab penuh atas pengurusan Bank Muamalat is authorized and fully responsible for the management
untuk kepentingan Bank Muamalat sesuai dengan maksud of Bank Muamalat for the benefit of Bank Muamalat in
dan tujuan Bank serta mewakili Bank Muamalat, baik accordance with the aims and objectives of the Bank and
di dalam maupun di luar pengadilan sesuai ketentuan represents Bank Muamalat, both inside and outside the
Anggaran Dasar. court in accordance with the provisions of the Articles of
Association.
Anggota Direksi Bank Muamalat dituntut untuk mencurahkan Members of the Board of Directors of Bank Muamalat are
pikiran, tenaga, perhatian dan pengabdiannya secara required to devote their full thoughts, energy, attention,
penuh pada tugas, kewajiban, rencana bisnis, dan target and services to the Company’s duties, obligations, business
serta tujuan perusahaan. Anggota Direksi juga senantiasa plans, and targets and objectives. Members of the Board of
mematuhi Anggaran Dasar Perusahaan dan peraturan Directors also always comply with the Company’s Articles
perundang-undangan serta melaksanakan prinsip-prinsip of Association and laws and regulations and implement
profesionalisme, efisiensi, transparansi, kemandirian, the principles of professionalism, efficiency, transparency,
akuntabilitas, pertanggungjawaban, kewajaran, dan independence, accountability, responsibility, fairness,
mengedepankan kepentingan Bank, dalam rangka and prioritize the interests of the Bank to increase added
meningkatkan nilai tambah bagi pemangku kepentingan dan value for stakeholders and the sustainability of the Bank’s
keberlanjutan usaha Bank. business.

Penunjukan dan Pengangkatan Direksi Bank Muamalat The appointment of the Board of Directors of Bank Muamalat
Indonesia merujuk pada beberapa ketentuan, antara lain: Indonesia refers to several provisions, among others:
1. Undang-undang Nomor 8 Tahun 1995 tentang Pasar 1. Law Number 8 Year 1995 on Capital Market;
Modal
2. Undang-Undang Republik Indonesia No. 40 Tahun 2007 2. Law of the Republic of Indonesia No. 40 Year 2007 on
tentang Perseroan Terbatas Limited Liability Company
3. Undang-Undang Republik Indonesia No. 21 Tahun 2008 3. Law of the Republic of Indonesia No. 21 of 2008 on Sharia
4. Peraturan Otoritas Jasa Keuangan Republik Indonesia 4. Regulation of the Financial Services Authority of the
Nomor 16/POJK.03/2022 tentang Bank Umum Syariah. Republic of Indonesia Number 16/POJK.03/2022
concerning Islamic Commercial Banks;
5. Peraturan Otoritas Jasa Keuangan Nomor 46/ 5. Regulation of the Financial Services Authority Number
POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan 46/POJK.03/2017 concerning the Implementation of the
Bank Umum Compliance Function of Commercial Banks.
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 concerning the Board of Directors and
Perusahaan Publik Board of Commissioners of Issuers or Public Companies;
7. Peraturan Otoritas Jasa Keuangan Nomor 15/POJK.04/2020 7. Financial Services Authority Regulation No. 15/
tentang Rencana dan Penyelenggaraan Rapat Umum POJK.04/2020 regarding the Plan and Implementation
Pemegang Saham Perusahaan Terbuka of the General Meeting of Shareholders of Public
Companies;
tentang Penilaian Kemampuan & Kepatutan bagi Pihak POJK.03/2016 regarding Capability & Appropriateness
Utama Lembaga Jasa Keuangan Assessment for Main Parties of Financial Services
Institutions
tentang Pemanfaatan Tenaga Kerja Asing dan Program POJK.03/2017 regarding the Utilization of Foreign
Alih Pengetahuan di Sektor Perbankan. Workers and Knowledge Transfer Programs in the
Banking Sector

10. Anggaran Dasar Bank Muamalat Indonesia. 10. Articles of Association of Bank Muamalat Indonesia;
11. Akta tertanggal 9 Desember 2022 No. 22 dibuat 11. Deed dated December 9, 2022 No. 22 made before
dihadapan Notaris Ashoya Ratam dan pemberitahuan Notary Ashoya Ratam and notification of changes in
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 15 Indonesia in accordance with his letter dated December
Desember 2022 No. AHU-AH.01.09-0087267. 15, 2022 No. AHU-AH.01.09-0087267.

Tanggung jawab atas tugas dan fungsi utama Direksi ialah The responsibility for main duties and functions of the Board
melakukan pengurusan dan pengelolaan Bank. Pembagian of Directors is to perform the management of the Bank.
tugas Direksi Bank Muamalat merujuk pada peraturan The division of duties of the Board of Directors of Bank
perundang-undangan yang berlaku, Anggaran Dasar, Muamalat refers to the applicable laws and regulations,
keputusan RUPS atau keputusan rapat Direksi. Anggota Articles of Association, resolutions of the GMS, or the Board
Direksi Bank Muamalat bertanggung jawab penuh atas of Directors meeting. Members of the Board of Directors of
pelaksanaan tugasnya sesuai pembagian tugas masing- Bank Muamalat are fully responsible for implementing their
masing. duties according to the division of their respective duties.
Tugas dan kewajiban Direksi, antara lain namun tidak terbatas The duties and obligations of the Board of Directors, including
berkaitan dengan strategi dan rencana kerja, pelaksanaan but not limited to relating to strategies and work plans,
fungsi kepatuhan, penerapan manajemen risiko, sistem implementation of compliance functions, implementation
pengendalian internal, keterbukaan dan kerahasiaan of risk management, internal control systems, disclosure
informasi, hubungan dengan para pemangku kepentingan, and confidentiality of information, relationships with
sistem akuntansi dan pembukuan, pelaksanaan prinsip stakeholders, accounting and bookkeeping systems,
mengenal nasabah dan Pemberantasan Tindak Pidana implementation of know your customer principles and
Pencucian Uang/Transaksi Keuangan yang Mencurigakan. Eradication of Money Laundering / Suspicious Financial
Transactions.
Berikut adalah rincian tugas dan kewajiban Direksi Bank The following are details of the duties and obligations of the
Muamalat Indonesia: Board of Directors of Bank Muamalat Indonesia:
1. Menyusun kode etik yang berlaku bagi seluruh anggota 1. Develop a code of ethics that applies to all members of
Direksi dan anggota Dewan Komisaris, karyawan/ the Board of Directors and members of the Board of
pegawai, serta pendukung organ yang dimiliki Bank Commissioners, employees / employees, and supporting
Muamalat Indonesia dan menyosialisasikannya kepada organs owned by Bank Muamalat Indonesia and
seluruh karyawan/pegawai yang bekerja pada Bank socialize it to all employees / employees who work at
Muamalat Indonesia serta memuatnya secara lengkap Bank Muamalat Indonesia and post it in full on the Bank
dalam situs web Bank Muamalat Indonesia. Muamalat Indonesia website;
2. Memimpin dan mengurus Perseroan sesuai dengan 2. 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 ensure the highest efficiency, effectiveness and
produktivitas setinggi-tingginya bagi Perseroan secara 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, guidelines and guidelines 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. Mastering, maintaining, and managing the assets of
Muamalat Indonesia. Bank Muamalat Indonesia.
5. Direksi wajib memiliki fungsi paling kurang Audit Intern, 5. The Board of Directors must have at least Internal Audit,
Manajemen Risiko dan Komite Manajemen Risiko serta Risk Management and Risk Management Committee and
Kepatuhan dalam rangka melaksanakan GCG. Compliance functions in order to implement GCG.

6. Menjalankan tugas untuk kepentingan dan usaha Bank 6. Performing 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. Subject to the provisions of the applicable laws and
yang berlaku, Anggaran Dasar dan keputusan RUPS serta regulations, Articles of Association and GMS decisions
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 applicable laws and regulations,
yang berlaku, Anggaran Dasar dan keputusan RUPS. Articles of Association and GMS decisions.
8. Mematuhi tata urutan peraturan internal Bank. 8. Comply with the Bank's internal regulations.
9. Menjalankan pengurusan Bank Muamalat Indonesia 9. Manage Bank Muamalat Indonesia for the benefit and
untuk kepentingan dan tujuan Bank Muamalat Indonesia. purpose of Bank Muamalat Indonesia.
10. Menetapkan susunan organisasi Bank Muamalat 10. Establish the organizational structure of Bank Muamalat
Indonesia di tingkat pusat, wilayah maupun cabang Indonesia at the central, regional and branch levels
lengkap dengan pelaksanaan tugasnya. complete with the implementation of its duties.
11. Bertindak selaku pimpinan dalam pengurusan Bank 11. Act as the leader in the management of Bank Muamalat
Muamalat Indonesia. Indonesia.
12. Direksi harus menyampaikan kebijakan Bank Muamalat 12. The Board of Directors must convey the strategic policy
Indonesia yang bersifat strategis di bidang kepegawaian of Bank Muamalat Indonesia in the field of employment
kepada pegawai. to employees.
13. Bertanggung jawab penuh dalam melaksanakan 13. Fully responsible in carrying out its duties for the benefit
tugasnya untuk kepentingan Bank Muamalat Indonesia of Bank Muamalat Indonesia in achieving its goals and
dalam mencapai maksud dan tujuannya. objectives.
14. Mewakili Bank Muamalat Indonesia baik di dalam 14. Represent Bank Muamalat Indonesia both inside and
maupun di luar pengadilan. outside the court.
15. Melakukan segala tindakan dan perbuatan, baik 15. Perform all actions and deeds, both regarding the
mengenai pengurusan maupun pemilikan kekayaan management and ownership of the assets of Bank
Bank Muamalat Indonesia serta mengikat Bank Muamalat Indonesia and 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 that
dan fungsi Direksi. result 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 the shareholders through
Pemegang Saham. the General Meeting of Shareholders.
18. Direksi wajib membuat dan memelihara seluruh daftar 18. The Board of Directors must make and maintain all
pemegang saham, daftar khusus, risalah RUPS dan shareholder lists, special lists, GMS minutes and minutes
risalah rapat Direksi serta dokumen-dokumen keuangan of Board of Directors meetings as well as financial
dan dokumen Bank Muamalat Indonesia lainnya. documents and other Bank Muamalat Indonesia
documents.
19. Anggota Direksi, baik sendiri-sendiri maupun secara 19. Members of the Board of Directors, either 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. the person concerned is guilty or negligent in carrying
out his duties.
21. Anggota Direksi wajib mengungkapkan kepemilikan 21. Members of the Board of Directors must disclose share
saham yang mencapai 5% atau lebih baik pada Bank ownership that reaches 5% or more both in the Bank
yang bersangkutan maupun pada bank dan perusahaan concerned and 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 shall 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
tanggung jawab seluruh anggota Direksi. and the responsibility of all members of the Board of
Directors.
HAK DAN WEWENANG DIREKSI RIGHTS AND AUTHORITIES OF THE BOARD OF

DIRECTORS
Direksi Bank Muamalat juga memiliki hak dan wewenang The Board of Directors of Bank Muamalat also has rights
yang mengacu pada peraturan perundangan-undangan and authorities that refer to the laws and regulations and
serta Anggaran Dasar Perusahaan, yakni sebagai berikut: the Company's Articles of Association, which are as follows:
1. Memutuskan kebijakan dalam pengurusan Bank, berikut 1. Deciding policies in the management of the Bank,
penentuan struktur organisasi Bank. including the determination of the Bank's organizational
structure.
2. Menolak mendaftarkan pemindahan hak atas saham 2. Refuse to register the transfer of rights to shares in the
dalam Daftar Pemegang Saham apabila pemindahan Register of Shareholders if the transfer does not meet
tersebut tidak memenuhi ketentuan dalam Anggaran the provisions in the Bank's Articles of Association.
Dasar Bank.
3. Menjadi wakil Bank di dalam dan di luar pengadilan. 3. To represent the Bank in and out of court.
4. Melakukan segala tindakan, baik yang mengenai 4. Perform all actions, both regarding the management and
pengurusan maupun mengenai pemilikan Bank. ownership of the Bank.
5. Mengikat Bank dengan pihak lain dan pihak lain dengan 5. Bind the Bank with other parties and other parties with
Bank, dengan pembatasan-pembatasan yang sesuai the Bank, with restrictions in accordance with existing
dengan ketentuan yang ada. regulations.
6. Mengatur penyerahan kekuasaan Direksi untuk mewakili 6. Regulate 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 the Court to
atau beberapa orang Direktur yang khusus ditunjuk a person or several Directors specifically appointed for
untuk itu atau kepada seseorang atau beberapa orang that purpose or to a person or several employees of the
pegawai Bank baik sendiri-sendiri maupun bersama- Bank either individually or jointly or to other persons or
sama atau kepada orang atau badan lain. entities.
7. Mengatur ketentuan-ketentuan tentang kepegawaian 7. Regulate the provisions regarding the employment of
BMI termasuk penetapan gaji, pensiun, jaminan hari BMI including the determination of salaries, pensions,
tua dan penghasilan bagi Karyawan Bank berdasarkan old age insurance and income for Bank employees based
ketentuan yang berlaku. on applicable regulations.
8. Mengangkat, memberi penghargaan dan sanksi serta 8. Appoint, reward and sanction and dismiss BMI employees
memberhentikan karyawan BMI berdasarkan peraturan based on the Bank's personnel regulations
kepegawaian Bank.
9. Memastikan kompetensi Sumber Daya Insani yang 9. Ensure the competence of the relevant Human
terkait. Resources.
10. Menghapus buku piutang macet yang selanjutnya 10. Write off bad debt books which are then reported and
dilaporkan dan dipertanggungjawabkan dalam Laporan accounted for in the Annual Report.
Tahunan.
11. Membeli sebagian atau seluruh agunan, baik melalui 11. Purchasing part or all of the collateral, either through
pelelangan maupun di luar pelelangan berdasarkan auction or outside the auction based on voluntary
penyerahan secara sukarela oleh pemilik agunan atau submission by the collateral owner or based on the
berdasarkan kuasa untuk menjual di luar lelang dari power to sell outside the auction from the collateral
pemilik agunan dalam hal Debitur tidak memenuhi owner in the event that the Debtor does not fulfill its
kewajibannya kepada Bank, dengan ketentuan agunan obligations to the Bank, provided that the purchased
yang dibeli tersebut wajib dicairkan secepatnya, dengan collateral must be disbursed as soon as possible, with
memperhatikan peraturan perundangan yang berlaku. due observance of the prevailing laws and regulations.
12. Melakukan aktivitas di luar Bank yang tidak secara 12. Conducting activities outside the Bank that are not
langsung berhubungan dengan kepentingan Perseroan directly related to the interests of the Company such as
seperti kegiatan mengajar, menjadi pengurus teaching activities, being a board member of business
asosiasi bisnis dan sejenisnya diperkenankan sebatas associations and the like are permitted to the extent
menggunakan waktu yang wajar dan sepengetahuan of using reasonable time and to the knowledge of the
Direktur Utama atau Direktur lainnya. President Director or other Directors.
13. Jika diperlukan, mempergunakan saran profesional. 13. If necessary, utilize professional advice.

14. Menerima gaji berikut fasilitas dan tunjangan lainnya 14. Receive a salary along with other facilities and benefits
termasuk santunan purnajabatan yang jumlahnya including retirement benefits, the amount of which
ditetapkan oleh RUPS atau Dewan Komisaris berdasarkan shall be 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. If BMI achieves a profit level, the Board of Directors
dapat menerima insentif sebagai imbalan atas prestasi may receive incentives as a reward for their work
kerjanya yang besarnya ditetapkan oleh RUPS performance, the amount of which is determined by the
GMS.
16. Menggunakan sarana dan fasilitas Bank untuk kegiatan 16. Use the Bank's facilities for activities related to the
yang berhubungan dengan kepentingan Bank, sesuai interests of the Bank, in accordance with laws and
dengan peraturan perundang-undangan dan kebijakan regulations and Bank policies
Bank.
17. Berhak menerima fasilitas yang ditetapkan Bank. 17. Eligible to receive facilities set by the Bank.
Kewenangan Direksi yang Harus Mendapatkan Board of Directors Authorities that Must Obtain
Persetujuan Dewan Komisaris Board of Commissioners Approval
Kewenangan Direksi yang harus mendapatkan persetujuan The authorities of the Board of Directors that must obtain
Dewan Komisaris terlebih dahulu adalah sebagai berikut: prior approval from the Board of Commissioners are as
1. Meminjam atau meminjamkan uang atas nama Bank follows:
sejumlah uang yang melampaui kewenangan Direksi 1. Borrowing or lending money on behalf of the Bank in
yang dari waktu ke waktu akan ditentukan secara tertulis an amount that exceeds the authority of the Board of
oleh Dewan Komisaris. Directors which from time to time will be determined in
writing by the Board of Commissioners.
2. Membeli, menjual, atau dengan cara lain melepaskan 2. To purchase, sell, or otherwise dispose of rights to
hak-hak atas harta tetap (tanah dan/atau bangunan) fixed assets (land and/or buildings) and companies or
dan perusahaan-perusahaan atau memberati harta encumber the Company's assets with a value 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 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 most of the Bank's assets either in 1 (one)
baik dalam 1 (satu) transaksi atau beberapa transaksi transaction or several transactions that stand alone or
yang berdiri sendiri ataupun yang berkaitan satu sama are related to one another that occur within 1 (one) fiscal
lain yang terjadi dalam 1 (satu) tahun buku. year.
6. Membeli atau melepaskan saham Bank dalam 6. Purchasing or releasing the Bank's shares in other
perusahaan lain. companies.
7. Mengambil tindakan-tindakan hukum atau transaksi 7. Taking legal actions or transactions of a strategic nature
yang bersifat strategis yang dapat mempengaruhi that may materially affect the Bank's business continuity
kelangsungan usaha Bank secara materiil sesuai dengan in accordance with the prevailing capital market
peraturan pasar modal yang berlaku, jenis tindakan regulations, the type of such legal actions or transactions
hukum atau transaksi tersebut dari waktu ke waktu akan from time to time to be determined by the Board of
ditetapkan oleh Dewan Komisaris. Commissioners.
PEDOMAN KERJA/PIAGAM DIREKSI BOARD OF DIRECTORS CHARTER / MANUAL

Pedoman Kerja Bank Muamalat tertuang pada Board Bank Muamalat’s Work Guidelines are contained in the
Manual Direksi Bank Muamalat No. CPL. KBJ.013.2016 yang Board Manual of the Board of Directors of Bank Muamalat
mencakup hal-hal sebagai berikut: No. CPL. KBJ.013.2016, which includes the following matters:
1. Fungsi 1. Function;
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 Dismissal;
5. Program Orientasi dan Peningkatan Kapabilitas 5. Orientation and Capability Enhancement Program;

6. Independensi (Kemandirian) Direksi 6. Independence of the Board of Directors;

7. Etika Jabatan 7. Position 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 Policy by the
Direksi Board of Directors;
11. Pendelegasian Wewenang di antara Direktur Perusahaan 11. Delegation of Authority among Directors of the Company;
12. Pembagian Tugas Direksi 12. Division of Duties of the Board of Directors;
13. Rapat Direksi 13. Meeting of the Board of Directors;
14. Komite-Komite Direksi 14. Committees of the Board of Directors;
15. Hubungan Kerja 15. Working Relationship;
16. Hubungan Dengan Profesi Pasar Modal 16. Relationship with Capital Market Professionals;
17. Penggunaan Saran Profesional. 17. Use of Professional Advice.
KRITERIA DIREKSI BOARD OF DIRECTORS CRITERIA

Kriteria anggota Direksi Bank Muamalat terdiri dari tiga The criteria for members of the Board of Directors of Bank
bagian yakni integritas, kompetensi dan reputasi keuangan. Muamalat consist of three parts: integrity, competence, and
Uraian dari masing-masing kriteria tersebut adalah berikut. financial reputation. The description of each of these criteria
is as follows.
Integritas Integrity
1. Mempunyai akhlak dan moral yang baik 1. Have good morals and morals;
2. Cakap melakukan perbuatan hukum 2. Capable of performing legal acts;
3. Dalam 5 (lima) tahun sebelum pengangkatan dan selama 3. Within 5 (five) years prior to appointment and during
menjabat, tidak pernah menjadi anggota Direksi dan/ the term of office, has never been a member of the
atau anggota Dewan Komisaris yang: Board of Directors and/or a member of the Board of
Commissioners who:
a. pernah tidak menyelenggarakan RUPS tahunan; a. has not held an annual GMS;
b. pertanggungjawabannya sebagai anggota Direksi b. his/her accountability as a member of the Board
dan/atau anggota Dewan Komisaris pernah tidak of Directors and/or a member of the Board of
diterima oleh RUPS atau pernah tidak memberikan Commissioners has not been accepted by the GMS
pertanggungjawaban sebagai anggota Direksi dan/ or has not provided accountability as a member
atau anggota Dewan Komisaris kepada RUPS; dan of the Board of Directors and/or a member of the
Board of Commissioners to the GMS; and
c. pernah menyebabkan perusahaan yang c. has caused a company that obtained a license,
memperoleh izin, persetujuan, atau pendaftaran dari approval, or registration from the Financial Services
Otoritas Jasa Keuangan tidak memenuhi kewajiban Authority to not fulfill the obligation to submit annual
menyampaikan laporan tahunan dan/atau laporan reports and/or financial reports to the Financial
keuangan kepada Otoritas Jasa Keuangan. Services Authority.
4. Tidak pernah dihukum karena terbukti melakukan tindak 4. Never been convicted of a criminal offense as referred to
pidana asal yang disebut dalam Undang-Undang No. 8 in Law No. 8 of 2010 on the Crime of Money Laundering,
Tahun 2010 tentang Tindak Pidana Pencucian Uang, a criminal offense that harms state finances and/or is
tindak pidana yang merugikan keuangan negara dan/ related to the financial sector, within the last 20 (twenty)
atau yang berkaitan dengan sektor keuangan, dalam years before nomination;
waktu 20 (dua puluh) tahun terakhir sebelum dicalonkan.
5. Memiliki komitmen untuk mematuhi peraturan 5. Have a commitment to comply with laws and regulations;
perundang-undangan.
6. Memiliki komitmen terhadap pengembangan 6. Have a commitment to the development of healthy
operasional Bank Syariah yang sehat. Syariah Bank operations
7. Tidak pernah secara langsung maupun tidak langsung 7. Never directly or indirectly involved in engineering and
terlibat dalam perbuatan rekayasa dan praktik-praktik deviant practices, broken promises 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 works or has worked;
bekerja atau pernah bekerja.
8. Tidak tercantum dalam Daftar Tidak Lulus (DTL). 8. Not listed in the Do Not Pass List (DTL).

Kompetensi Competence
1. Memiliki pengetahuan dan pemahaman di bidang 1. Have sufficient knowledge and understanding in the field
operasional perbankan syariah yang cukup; of Islamic banking operations;
2. Memiliki pengalaman dan keahlian di bidang operasional 2. Have experience and expertise in the field of banking
perbankan, perbankan syariah, bidang keuangan atau operations, Islamic banking, finance or Islamic finance;
keuangan syariah;
3. Memiliki kemampuan untuk melakukan pengelolaan 3. Have the ability to carry out strategic management in the
strategis dalam rangka pengembangan Bank yang sehat context of developing a healthy and resilient Bank; and
dan tangguh; dan
4. Memiliki pengetahuan dan pemahaman dalam 4. Have knowledge and understanding in the
penerapan manajemen risiko. implementation of risk management.
Reputasi Keuangan Financial Reputation

1. Tidak memiliki kredit/pembiayaan macet;dan 1. Does not have bad debts/financing; and
2. Tidak pernah dinyatakan pailit atau menjadi anggota 2. Never been declared bankrupt or become 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 be
dinyatakan pailit, dalam waktu 5 (lima) tahun terakhir declared bankrupt, within the last 5 (five) years before
sebelum dicalonkan. nomination.
MASA JABATAN DIREKSI TERM OF OFFICE OF THE BOARD OF DIRECTORS

Masa jabatan anggota Direksi mengacu pada Undang- The term of office of members of the Board of Directors refers
Undang Perseroan Terbatas, Anggaran Dasar, dan keputusan to the Limited Liability Company Law, Articles of Association,
RUPS, yang antara lain mengatur: and resolutions of the GMS, which among others, stipulate:
1. Direksi Bank Muamalat diangkat untuk jangka waktu 1. The Board of Directors of Bank Muamalat is appointed
terhitung sejak tanggal RUPS pengangkatan dan for a period commencing from the date of the GMS of
berakhir pada penutupan RUPS tahunan yang ke 5 appointment and ends at the closing of the 5th (fifth)
(lima) setelah tanggal pengangkatannya. Ketentuan annual GMS after the date of appointment. This provision
tersebut tidak mengurangi hak RUPS untuk sewaktu- does not reduce the right of the GMS to dismiss at any
waktu memberhentikan sebelum masa jabatan berakhir time before the term ends by stating the reasons.
dengan menyebutkan alasannya.
2. Dewan Komisaris berdasarkan keputusan Rapat Dewan 2. The Board of Commissioners based on the decision of
Komisaris dapat memberhentikan anggota Direksi untuk the Board of Commissioners Meeting may temporarily
sementara waktu, tidak terbatas oleh waktu dengan dismiss a member of the Board of Directors, not limited
menyebutkan alasannya. by time by stating the reasons.
3. Jabatan Direktur dinyatakan berakhir, apabila anggota 3. The position of Director shall be declared terminated,
Direksi yang bersangkutan diberhentikan berdasarkan if the member of the Board of Directors concerned is
keputusan RUPS, mengundurkan diri, dan tidak lagi dismissed by resolution of the GMS, resigns, and no
memenuhi persyaratan sebagai anggota Dewan longer meets the requirements as a member of the Board
Komisaris berdasarkan ketentuan Anggaran Dasar dan of Commissioners based on the provisions of the Articles
peraturan perundang-undangan yang berlaku, kemudian of Association and prevailing laws and regulations, then
meninggal dunia atau masa jabatannya berakhir. dies or his/her term of office expires.
4. Anggota Direksi dapat diangkat kembali oleh RUPS 4. Members of the Board of Directors may be reappointed
setelah masa jabatannya berakhir, dengan ketentuan by the GMS after their term of office expires, provided
yakni masa jabatan Direktur Utama dibatasi hanya 2 (dua) that the term of office of the President Director is limited
kali masa jabatan sebagai Direktur Utama serta masa to 2 (two) times the term of office as President Director
jabatan anggota Direksi (selain Direktur Utama) dibatasi and the term of office of members of the Board of
maksimal 2 (dua) kali masa jabatan. Ketentuan tersebut Directors (other than the President Director) is limited
tidak termasuk apabila yang bersangkutan diangkat to a maximum of 2 (two) times the term of office. This
menjadi Direktur Utama, maka masa jabatannya hanya provision does not include if the person concerned is
1 (satu) kali masa jabatan. appointed as President Director, then his term of office
is only 1 (one) term of office.

KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND BASIS FOR APPOINTMENT

DIREKSI OF THE BOARD OF DIRECTORS
Pengangkatan anggota Direksi Bank Muamalat telah The appointment of members of the Board of Directors of
memperhatikan rekomendasi Komite Nominasi dan Bank Muamalat has taken into account the recommendations
Remunerasi kemudian pengangkatannya ditetapkan melalui of the Nomination and Remuneration Committee then the
RUPS. Direksi yang diangkat tersebut ialah calon yang appointment is determined through the GMS. The appointed
diajukan oleh pemegang saham dan/atau kuasanya yang Directors are candidates proposed by shareholders and/or
mewakili sekurang-kurangnya 1/10 (satu per sepuluh) dari their proxies representing at least 1/10 (one-tenth) of the
jumlah seluruh saham Bank yang ditempatkan dengan hak total number of Bank shares issued with valid voting rights,
suara yang sah dan pencalonan tersebut mengikat bagi and the nomination is binding for the GMS. The Board of
RUPS. Direksi dinyatakan efektif ketika sudah mendapat Directors is declared effective when it has received approval
persetujuan atau dinyatakan lulus Penilaian Kemampuan or passed the Fit and Proper Assessment by OJK.
dan Kepatutan oleh OJK.
Pada tahun 2022, Bank memiliki 5 (lima) Direktur yang terdiri In 2022, the Bank had 5 (five) Directors consisting of the
dari Direktur Utama, Direktur Kepatuhan, Risiko & Hukum, President Director, Compliance, Risk & Legal Director,
Direktur Risiko Bisnis Pembiayaan, Direktur Operasi & Digital, Financing Business Risk Director, Operations & Digital
serta Direktur Keuangan dan Strategi. Jumlah Direksi Bank Director, and Finance and Strategy Director. The number of
Muamalat telah memenuhi ketentuan pasal 48 Peraturan Directors of Bank Muamalat has fulfilled the provisions of
Otoritas Jasa Keuangan Republik Indonesia Nomor 16/ article 48 of the Regulation of the Financial Services Authority
POJK.03/2022 Tentang Bank Umum Syariah yang mengatur of the Republic of Indonesia Number 16/POJK.03/2022
bahwa jumlah anggota Direksi paling kurang 3 (tiga) orang concerning Islamic Commercial Banks, which stipulates that
dan dipimpin oleh Direktur Utama serta setiap anggota the number of members of the Board of Directors is at least
Direksi harus berdomisili di Indonesia. Direktur Utama Bank 3 (three) people and is led by the President Director and
Muamalat tersebut berasal dari pihak yang independen each member of the Board of Directors must be domiciled in
terhadap pemegang saham pengendali. Indonesia. The President Director of Bank Muamalat comes
from a party independent of the controlling shareholder.
Selain itu, Bank Muamalat juga telah memenuhi ketentuan In addition, Bank Muamalat has also fulfilled the provisions
Peraturan Otoritas Jasa Keuangan Nomor 46/POJK.03/2017 of Financial Services Authority Regulation Number 46/
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum yang POJK.03/2017 concerning the Implementation of the
mengatur kewajiban Bank untuk memiliki 1 (satu) orang Compliance Function of Commercial Banks, which regulates
Direktur Kepatuhan yang diangkat oleh Rapat Umum the Bank’s obligation to have 1 (one) Compliance Director
Pemegang Saham. appointed by the General Meeting of Shareholders.
Berikut komposisi dan dasar hukum pengangkatan Direksi The following is the composition and legal basis for the
Bank Muamalat Indonesia per 31 Desember 2022. appointment of the Board of Directors of Bank Muamalat
Indonesia as of December 31, 2022.
Nama Jabatan RUPS Persetujuan OJK Tanggal Efektif Pengangkatan

Name Position Pengangkatan FSA Approval Effective Date Kembali
Indra Direktur Utama RUPSLB Salinan Keputusan Anggota Dewan 18 April 2023 -
Falatehan President Director 29 November 2022 Komisioner Otoritas Jasa Keuangan April 18, 2023
Extraordinary GMS nomor Kep-21/D.03/2022 tanggal 18
on April 2023
November 29, 2022 Copy of the Decision of the
Members of the Board of
Commissioners of the Financial
Services Authority number Kep-
21/D.03/2022 dated April 18, 2023
Karno Direktur RUPSLB Salinan Keputusan Anggota Dewan 3 Oktober 2022 -
Kepatuhan, Risiko 24 Juni 2022 Komisioner Otoritas Jasa Keuangan October 3, 2022
& Hukum Extraordinary GMS nomor Kep-153/D.03/2022 tanggal 3
Compliance, Risk on Oktober 2022
& Legal Director June 24, 2022 Copy of the Decision of the
153/D.03/2022 dated October 3,
2022

Nama Jabatan RUPS Persetujuan OJK Tanggal Efektif Pengangkatan

Name Position Pengangkatan FSA Approval Effective Date Kembali
Hery Safril Direktur RUPSLB Salinan Keputusan Anggota Dewan 21 Maret 2016 29 November 2022
Risiko Bisnis 20 September 2015 Komisioner Otoritas Jasa Keuangan March 21, 2016 November 29, 2022
Pembiayaan/ Plt. Extraordinary GMS nomor No. Kep-9/D.03/2018 tanggal
Direktur Utama on 21 Maret 2016
Director of September 20, 2015 Copy of Decision of Members of
Financing the Board of Commissioners of the
Business Risk / Financial Services Authority No. Kep-
Acting. President 9/D.03/2018 dated March 21, 2016
Director
Wahyu Avianto Direktur Operasi RUPSLB Salinan Keputusan Anggota Dewan 3 Oktober 2022 -
& Digital 29 November 2022 Komisioner Otoritas Jasa Keuangan October 3, 2022
Director of Extraordinary GMS nomor No. Kep-154/D.03/2022
Operations & on tanggal 3 Oktober 2022
Digital November 29, 2022 Copy of the Decision of the
Services Authority number No.
Kep-154/D.03/2022 dated October
3, 2022
Suhendar Direktur RUPSLB Salinan Keputusan Anggota Dewan 18 April 2023 -
Keuangan dan 29 November 2022 Komisioner Otoritas Jasa Keuangan April 18, 2023
Strategi Extraordinary GMS nomor Kep-21/D.03/2022 tanggal 18
Director of on April 2023
Finance and November 29, 2022 Copy of the Decision of the
Strategy Members of the Board of
21/D.03/2022 dated April 18, 2023
PEMBAGIAN TUGAS DAN TANGGUNG JAWAB DIVISION OF DUTIES AND RESPONSIBILITIES

MASING-MASING DIREKSI OF EACH MEMBER OF THE BOARD OF DIRECTORS
Pembagian tugas dan wewenang masing-masing Direksi The division of duties and authorities of each member of the
Bank Muamalat mengacu pada peraturan perundang- Board of Directors of Bank Muamalat refers to the applicable
undangan yang berlaku, Anggaran Dasar, Keputusan RUPS laws and regulations, Articles of Association, GMS Decisions,
atau Keputusan rapat Direksi. Berdasarkan RUPS, Direksi or Decisions of the Board of Directors meeting. Based on
Bank dapat melakukan pembagian tugas dan wewenang the GMS, the Bank's Board of Directors can divide the duties
atau job description di antara anggota Direksi. Namun and authorities or job descriptions among the members of
apabila RUPS tidak menetapkan, maka penetapan tugas dan the Board of Directors. However, suppose the GMS does
wewenang Direksi mengacu pada keputusan rapat Direksi. not determine. In that case, the determination of the duties
Rincian pembagian tugas dan wewenang Direksi ialah and authority of the Board of Directors refers to the decision
sebagai berikut: of the Board of Directors meeting. Details of the division
of duties and authorities of the Board of Directors are as
follows:
1. Direktur Utama 1. President Director

• Merencanakan, mengembangkan dan menetapkan • Planning, developing and determining the company's
kebijakan umum perusahaan berdasarkan prinsip general policies based on the principles of economy,
kehematan, efektif, dan efisien, sesuai dengan visi, effectiveness and efficiency, in accordance with the
misi dan tujuan perusahaan. company's vision, mission and objectives.
• Mengarahkan, mengembangkan dan menetapkan • Directing, developing and determining the overall
strategi pengelolaan perusahaan secara menyeluruh. management strategy of the company.
• Mengkoordinasikan kegiatan dan pelaksanaan tugas • Coordinating the activities and duties of all Directors.
seluruh Direktur.
• Menyiapkan corporate plan dan business plan. • Prepare corporate plan and business plan.
• Menetapkan kebijakan umum terkait Internal Audit • Establish general policies related to Internal Audit and
dan memperhatikan dan segera mengambil langkah- pay attention and immediately take the necessary
langkah yang diperlukan atas segala sesuatu steps on everything stated in each inspection report
yang dikemukakan dalam setiap laporan hasil made by IAD
pemeriksaan yang dibuat oleh IAD.

• Memimpin kegiatan yang bersifat strategis dalam • Lead strategic activities in the development of the
pengembangan perusahaan. company.
2. Direktur Kepatuhan, Risiko dan Hukum 2. Compliance, Risk and Legal Director
• Menetapkan langkah-langkah yang diperlukan untuk • Determine the necessary steps to ensure that the
memastikan perusahaan telah memenuhi seluruh company has complied with all regulations of Bank
peraturan Bank Indonesia, Otoritas Jasa Keuangan Indonesia, the Financial Services Authority and other
dan peraturan perundang-undangan lain yang applicable laws and regulations in the context of
berlaku dalam rangka pelaksanaan prinsip kehati- implementing the prudential principle. Formulate
hatian. Merumuskan strategi guna mendorong strategies to encourage the creation of a culture of
terciptanya budaya kepatuhan compliance
• Merumuskan strategi guna mendorong terciptanya • Formulate strategies to encourage the creation of a
budaya kepatuhan. culture of compliance.
• Memastikan bahwa seluruh kebijakan, ketentuan, • Ensure that all policies, provisions, systems and
sistem, dan prosedur, serta kegiatan usaha yang procedures, as well as business activities carried
dilakukan Bank Muamalat Indonesia telah sesuai out by Bank Muamalat Indonesia are in accordance
dengan ketentuan Bank Indonesia, Otoritas Jasa with the provisions of Bank Indonesia, the Financial
Keuangan dan peraturan perundang-undangan yang Services Authority and applicable laws and
berlaku, termasuk prinsip syariah bagi Bank Umum regulations, including sharia principles for Sharia
Syariah Commercial Banks.
• Melakukan tindakan pencegahan agar kebijakan • Take precautions so that policies and / or decisions
dan/atau keputusan yang diambil Direksi BMI taken by the BMI Board of Directors do not
tidak menyimpang dari ketentuan Bank Indonesia, deviate from the provisions of Bank Indonesia, the
Otoritas Jasa Keuangan dan peraturan perundang- Financial Services Authority and applicable laws and
undangan yang berlaku. regulations.
• Memantau dan menjaga kepatuhan Bank Muamalat • Monitor and maintain Bank Muamalat Indonesia's
Indonesia terhadap komitmen yang dibuat oleh Bank compliance with commitments made by Bank
Muamalat Indonesia kepada Otoritas Jasa Keuangan Muamalat Indonesia to the Financial Services
maupun otoritas pengawas lainnya yang berwenang. Authority and other authorized supervisory
authorities.
• Meminimalkan risiko kepatuhan bank • Minimize bank compliance risk
• Mengkoordinir perumusan framework risiko • Coordinate the formulation of an integrated risk
terintegrasi di BMI framework in BMI.
• Memastikan bahwa konsep risiko terintegrasi terkait • Ensure that the concept of risk is integrated into the
kedalam perencanaan strategis Bank. Bank's strategic planning.
• Mengelola dan mengawasi pengukuran risiko Bank • Manage and supervise the Bank's overall risk
dilakukan secara menyeluruh, khususnya risiko pada measurement, especially the risks in the Bank's fund
kegiatan penghimpunan dana dan operasional Bank raising and operational activities.
• Membangun dan mengembangkan budaya risiko di • Build and develop a risk culture in Bank Muamalat
Bank Muamalat Indonesia. Indonesia.
• Memberlakukan langkah-langkah yang dapat • Implement measures that can reduce and overcome
mengurangi dan menanggulangi berbagai jenis risiko various types of risks that can be faced by Bank
yang dapat dihadapi oleh Bank Muamalat Indonesia Muamalat Indonesia in coordination with other
dengan berkoordinasi dengan Direksi lainnya. Directors.
• Membangun, mengembangkan dan mengawasi • Build, develop and supervise Bank Muamalat
aktivitas mitigasi risiko perbankan Bank Indonesia's banking risk mitigation activities to
Muamalat Indonesia menjadi lebih efisien dengan be more efficient by considering cost efficiency in
mempertimbangkan cost efficiency guna mencapai order to achieve optimal business results from the
hasil bisnis yang optimal dari pelaksanaan seluruh implementation of all company business activities.
aktivitas bisnis perusahaan.
• Bertanggung jawab penuh atas pelaksanaan • Fully responsible for the implementation of the
pengelolaan Bank Muamalat Indonesia berdasarkan management of Bank Muamalat Indonesia based on
prinsip kehatihatian dan prinsip Syariah. prudent principles and Sharia principles.
• Melaksanakan GCG dalam setiap kegiatan usaha • Implementing GCG in every business activity of Bank
Bank Muamalat Indonesia pada seluruh tingkatan Muamalat Indonesia at all levels or levels of the
atau jenjang organisasi organization.

3. Direktur Risiko Bisnis Pembiayaan 3. Director of Financing Business Risk

• Mengkoordinir perumusan framework, target market, • Coordinate the formulation of frameworks, target
dan risk acceptance criteria pembiayaan secara markets, and risk acceptance criteria for bank-wide
bank-wide termasuk pengelolaan dan penanganan financing including the management and handling of
pembiayaan bermasalah. problematic financing.
• Memastikan bahwa konsep pembiayaan dan konsep • Ensure that the concept of financing and the
pengelolaan pembiayaan bermasalah terintegrasi concept of managing non-performing financing are
kedalam perencanaan strategis Bank. integrated into the Bank's strategic planning.
• Mengelola dan mengawasi portfolio pembiayaan • Manage and supervise the Bank's overall financing
Bank yang dilakukan secara menyeluruh. portfolio.
• 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 • Implement measures to properly manage the
mengelola portofolio pembiayaan dengan baik financing portfolio and related risk mitigation in
beserta mitigasi risiko yang terkait dengan coordination with other Directors.
berkoordinasi dengan Direksi lainnya.
• Membangun, mengembangkan dan mengawasi • Build, develop and supervise credit risk mitigation
aktivitas mitigasi risiko kredit guna mencapai hasil activities to achieve optimal business results from
bisnis yang optimal dari pelaksanaan seluruh the implementation of all business activities of the
aktivitas bisnis Bank. Bank.
pengelolaan portofolio pembiayaan Bank Bank's financing portfolio management based
berdasarkan prinsip kehatihatian, prinsip syariah, on prudent principles, sharia principles, and all
dan seluruh ketentuan yang berlaku. applicable regulations.
• Melaksanakan GCG termasuk memastikan setiap • Implementing GCG, including ensuring that
kegiatan usaha Bank pada seluruh tingkatan atau the Bank's business activities at all levels of the
jenjang organisasi dilakukan secara berintegritas. organization are conducted with integrity.
4. Direktur Operasi dan Digital 4. Director of Operations and Digital

• Mengkoordinir perumusan Standard Operational • Coordinating the formulation of Standard
Procedure (SOP) sebagai dasar dalam semua aktivitas Operational Procedure (SOP) as the basis for all
operasional perbankan di Bank Muamalat Indonesia. banking operational activities at Bank Muamalat
Indonesia.
• Memberlakukan langkah-langkah yang dapat • Implement measures that can reduce and overcome
mengurangi dan menanggulangi berbagai jenis various types of operational risks that can be faced
risiko operasional yang dapat dihadapi oleh Bank by Bank Muamalat Indonesia in coordination with
Muamalat Indonesia dengan berkoordinasi dengan other Directors.
Direksi lainnya.
• Memastikan agar seluruh operasional perbankan di • Ensure that all banking operations in Bank Muamalat
Bank Muamalat Indonesia mematuhi policy dan SOP Indonesia comply with applicable policies and SOPs
yang berlaku baik internal maupun eksternal. both internal and external.
• Membangun, mengembangkan dan mengawasi • Build, develop and supervise the banking operations
aktivitas operasional perbankan Bank Muamalat of Bank Muamalat Indonesia to be more efficient
Indonesia menjadi lebih efisien dengan by considering cost efficiency in order to achieve
mempertimbangkan cost efficiency guna mencapai optimal business results from the implementation of
hasil bisnis yang optimal dari pelaksanaan seluruh all business activities of the Bank.
aktivitas bisnis perusahaan.
• Mengelola dan mengawasi penggunaan aset • Manage and supervise the proper use of the Bank's
perusahaan secara baik dan tepat untuk kegiatan assets for business activities, in close coordination
bisnis, dengan melakukan koordinasi erat dengan with business unit leaders.
para pimpinan unit usaha.
• Memastikan dan mengawasi kualitas standar • Ensure and supervise the quality of service standards
pelayanan terhadap nasabah sesuai dengan to customers in accordance with applicable
ketentuan yang berlaku di semua unit bisnis regulations in all customer service business units, in
pelayanan nasabah, guna tercipta tingkat kepuasan order to create a good level of customer satisfaction.
nasabah yang baik.

prinsip kehatihatian dan prinsip Syariah. prudent principles and Sharia principles.
• Melaksanakan GCG dalam setiap kegiatan usaha BMI • Implementing GCG in every BMI business activity at
pada seluruh tingkatan atau jenjang organisasi. all levels of the organization.
5. Direktur Keuangan dan Strategi 5. Director of Finance and Strategy

• Mengarahkan, mengevaluasi dan mengkoordinir • Direct, evaluate and coordinate the formulation of
perumusan kebijakan finansial perusahaan yang the Bank financial policies oriented towards revenue
berorientasi pada optimalisasi pendapatan maupun optimization and cost efficiency.
efisiensi biaya.
• Memastikan penerapan kebijakan akuntansi (PSAK), • Ensure the application of accounting policies (PSAK),
perpajakan dan kebijakan pengelolaan finansial taxation and company financial management policies
perusahaan sesuai dengan ketentuan yang berlaku. in accordance with applicable regulations.
• Mengelola dan mengawasi pengukuran kinerja • Manage and supervise the overall performance
perusahaan secara menyeluruh. measurement of the Bank.
• Memastikan dan mengawasi pelaksanaan dan • Ensure and supervise the implementation and
penerbitan laporan keuangan perusahaan. issuance of the Bank’s financial statements.
• Mengarahkan dan mengevaluasi pelaksanaan • Direct and evaluate the implementation of
business intelligence dan pengurusan data warehouse business intelligence and effective data warehouse
yang efektif guna mendapatkan informasi yang management to obtain accurate information in
akurat dalam penentuan strategi bisnis perusahaan. determining the Bank’s business strategy.
• Mengkoordinasikan, mengawasi dan memberikan • Coordinate, supervise and approve the activities of
persetujuan atas aktivitas unit kerja di bawah work units under the finance directorate in order to
direktorat finance agar sesuai dengan ketentuan comply with the provisions and/or work targets that
dan/atau target kerja yang telah ditetapkan. have been set.
prinsip kehati-hatian dan prinsip syariah. prudent principles and sharia principles.
• Melaksanakan GCG dalam setiap kegiatan usaha BMI • Implementing GCG in every BMI business activity at
pada seluruh tingkatan atau jenjang organisasi. all levels of the organization.
KEPEMILIKAN SAHAM DIREKSI SHARE OWNERSHIP OF BOARD OF DIRECTORS

Merujuk pada ketentuan Pasal 50 Peraturan Otoritas Jasa Referring to the provisions of Article 50 of the Regulation of
Keuangan Republik Indonesia Nomor 16/POJK.03/2022 the Financial Services Authority of the Republic of Indonesia
Tentang Bank Umum Syariah, Anggota Direksi Bank Number 16/POJK.03/2022 concerning Islamic Commercial
Muamalat, baik secara sendiri-sendiri atau bersama-sama Banks, Members of the Board of Directors of Bank Muamalat,
dilarang memiliki saham melebihi 25% (dua puluh lima either individually or jointly are prohibited from owning
persen) dari modal disetor pada perusahaan lain. Berikut shares exceeding 25% (twenty-five percent) of the paid-up
adalah rincian Kepemilikan Saham Direksi Hingga 31 capital in other companies. The following are details of the
Desember 2022. Directors' Share Ownership until December 31, 2022.

Share Ownership (Share Sheet)
Name Position Bank Lain
Bank Bank Lain Non-Bank
Other
Muamalat Other Banks Financial
Banks
Institution
Indra Falatehan Direktur Utama - - - -
President Director
Karno Direktur Kepatuhan, Risiko & Hukum - - - -
Director of Compliance, Risk & Legal
Hery Safril Direktur Risiko Bisnis Pembiayaan/Plt. - - - -
Direktur Utama
Director of Financing Business Risk/Acting.
President Director


Share Ownership (Share Sheet)
Name Position Bank Lain
Bank Bank Lain Non-Bank
Other
Muamalat Other Banks Financial
Banks
Institution
Wahyu Avianto Direktur Operasi & Digital - - - -

Director of Operations & Digital
Suhendar Direktur Keuangan dan Strategi - - - -
Director of Finance and Strategy
RANGKAP JABATAN DIREKSI CONCURRENT POSITION OF THE BOARD OF

DIRECTORS
Ketentuan mengenai rangkap jabatan Anggota Direksi Bank Provisions regarding concurrent positions of members of the
Muamalat mengacu pada Pasal 50 Peraturan Otoritas Jasa Board of Directors of Bank Muamalat refer to Article 50 of the
Keuangan Republik Indonesia Nomor 16/POJK.03/2022 Regulation of the Financial Services Authority of the Republic
Tentang Bank Umum Syariah. Anggota Direksi Bank of Indonesia Number 16/POJK.03/2022 concerning Islamic
Muamalat tidak memiliki rangkap jabatan sebagai anggota Commercial Banks. Members of the Board of Directors
Dewan Komisaris, anggota Direksi, atau Pejabat Eksekutif of Bank Muamalat do not have concurrent positions as
pada bank, perusahaan dan/atau lembaga lain. members of the Board of Commissioners, the Board of
Directors, or Executive Officers at banks, companies and/or
other institutions.
Rangkap jabatan dikecualikan apabila: Concurrent positions are allowed if:

1. Direksi yang bertanggung jawab terhadap pengawasan 1. Directors who are responsible for supervising the Bank's
atas penyertaan Bank pada perusahaan anak, participation in subsidiaries, carry out functional duties
menjalankan tugas fungsional menjadi anggota Dewan as members of the Board of Commissioners of non-bank
Komisaris pada perusahaan anak bukan bank yang subsidiaries controlled by the Bank;
dikendalikan oleh Bank;
2. Direksi yang bertanggung jawab terhadap pengawasan 2. Directors responsible for the supervision of pension
dana pensiun, menjalankan tugas sebagai dewan funds, perform duties as the supervisory board of
pengawas dana pensiun yang dimiliki oleh Bank; dan/atau pension funds owned by the Bank; and/or
3. Direksi menduduki jabatan pada organisasi atau 3. Directors hold positions in non-profit organizations or
lembaga nirlaba, sepanjang tidak mengakibatkan yang institutions, as long as it does not cause them to neglect
bersangkutan mengabaikan pelaksanaan tugas dan the implementation of their duties and responsibilities
tanggung jawab sebagai anggota Direksi Bank as members of the Board of Directors of the Bank.
Rangkap Jabatan Direksi Per 31 Desember 2022 Concurrent Position of Directors as of December 31, 2022
Nama Jabatan Jabatan pada Peruahaan Lain Nama Perusahaan
Name Position Position at Other Companies Company Name
Indra Falatehan Direktur Utama Telah mengajukan pengunduran diri dari jabatan Bank KB Bukopin Syariah
President Director Direktur Utama Bank KB Bukopin Syariah
tanggal 28 November 2022 dan akan efektif
setelah memperoleh penetapan lulus Penilaian
Kemampuan dan Kepatutan dari OJK.
Has submitted his resignation from the position
of President Director of Bank KB Bukopin Syariah
on November 28, 2022 and will be effective after
obtaining the determination of passing the Fit and
Proper Test from the OJK.
Karno Direktur Kepatuhan, Risiko & Hukum - -
Director of Compliance, Risk & Legal
Hery Safril Direktur Risiko Bisnis Pembiayaan/Plt. - -
Direktur Utama
Director of Financing Business Risk/
Acting. President Director
Wahyu Avianto Direktur Operasi & Digital - -
Suhendar Direktur Keuangan dan Strategi - -

PENGELOLAAN BENTURAN KEPENTINGAN MANAGEMENT OF CONFLICT OF INTEREST OF

DIREKSI THE BOARD OF DIRECTORS
Menindaklanjuti ketentuan Pasal 61 Peraturan Bank To follow up on the provisions of Article 61 of Bank Indonesia
Indonesia No. 11/33/PBI/2009 tentang Pelaksanaan Good Regulation No. 11/33/PBI/2009 on the Implementation
Corporate Governance bagi Bank Umum Syariah dan Unit of Good Corporate Governance for Islamic Commercial
Usaha Syariah, anggota Direksi Bank Muamalat dilarang Banks and Islamic Business Units, members of the Board
untuk mengambil tindakan yang dapat mengurangi aset of Directors of Bank Muamalat are prohibited from taking
atau mengurangi keuntungan bank umum syariah dan actions that can reduce the assets or reduce the profits
wajib mengungkapkan benturan kepentingan dalam setiap of Islamic commercial banks and are required to disclose
keputusan, apabila terjadi benturan kepentingan. Dengan conflicts of interest in every decision made, in the event of a
demikian, Direksi wajib untuk: conflict of interest. Thus, the Board of Directors is obliged to:
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 where there is a conflict of interest.
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclose family relationships, financial relationships,
hubungan keuangan, hubungan kepengurusan, management relationships, ownership relationships
hubungan kepemilikan dengan Anggota Komisaris lain with other members of the Board of Commissioners and/
dan/atau anggota Direksi dan/atau pemegang saham or members of the Board of Directors and/or controlling
pengendali Bank dan/atau pihak lainnya dalam rangka shareholders of the Bank and/or other parties in the
bisnis Bank. context of the Bank's business.
4. Melakukan pengungkapan dalam hal pengambilan 4. Disclose in the event that decision making must still be
keputusan tetap harus diambil pada kondisi adanya taken in the event of a conflict of interest.
benturan kepentingan.
PROGRAM PENGENALAN PERUSAHAAN BAGI COMPANY INTRODUCTION PROGRAM FOR NEW

DIREKSI BARU DIRECTORS
Program orientasi perusahan bagi Direksi Baru ialah The corporate orientation program for New Directors is the
program pengenalan perusahaan kepada Direksi baru Bank’s introduction program to new Directors. This program
yang dilakukan atas dasar beberapa pertimbangan, yakni, is carried out by considering regulatory provisions, the
ketentuan regulasi, keberagaman latar belakang Direksi, diversity of the Directors' backgrounds, and the introduction
serta media pengenalan antar anggota Direksi, Dengan of media between members of the Board of Directors. Thus,
demikian, program orientasi ini penting untuk menciptakan this orientation program is also important to create a solid
suatu tim kerja yang solid bagi Direksi. work team for the Board of Directors.
Prosedur Program Orientasi Bank Muamalat Indonesia Bank Muamalat Indonesia Orientation Program procedures
mencakup hal-hal sebagai berikut: include the following:
1. Program orientasi mengenai Bank wajib diberikan 1. An orientation program regarding the Bank shall be
kepada Anggota Direksi yang baru pertama kali menjabat provided to the Board of Directors Members, who serve
di Bank. for the first time in the Bank.
2. Tanggung jawab pelaksanaan Program orientasi ada 2. The President Director is in charge of the implementation
pada Direktur Utama. Jika Direksi Utama berhalangan of the orientation program. In the absence of the
maka tanggung jawab pelaksanaan program orientasi President Director, the responsibility for implementing
berada pada Komisaris Utama atau Direktur yang ada. the orientation program lies with the President
Commissioner, or other available Directors.
3. Materi yang diberikan pada Program orientasi meliputi 3. The materials provided in the orientation program
hal-hal sebagai berikut: include the following:
a. Keterangan mengenai tugas dan tanggung jawab a. Information on the duties and responsibilities of
Dewan Komisaris dan Direksi berdasarkan hukum. the Board of Commissioners and Board of Directors
under the law.
b. Penjelasan mengenai produk-produk jasa perbankan b. Explanation of banking service / products provided
Bank. by the Bank.
c. Pelaksanaan prinsip-prinsip Good Corporate c. Implementation of the principles of Good Corporate
Governance oleh Bank. Governance by the Bank.

d. Gambaran mengenai Bank berkaitan dengan tujuan, d. An overview of the Bank with regard to its objectives,
sifat, lingkup kegiatan, kinerja keuangan dan operasi, nature, scope of activities, financial and operating
strategi, rencana usaha jangka pendek dan jangka performance, strategy, short and long term business
panjang, posisi kompetitif, risiko dan berbagai plans, competitive position, risks and other strategic
masalah strategis lainnya. issues.
e. Penjelasan yang berkaitan dengan kewenangan yang e. Explanations relating to delegated authority, internal
didelegasikan, audit internal dan eksternal, sistem and external audit, internal control systems and
dan kebijakan pengendalian internal policies.
f. Penjelasan mengenai kewajiban, tugas, tanggung f. An explanation of the obligations, duties,
jawab dan hak-hak Dewan Pengawas Syariah, Dewan responsibilities and rights of the Sharia Supervisory
Komisaris dan Direksi. Board, Board of 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 members.
pernah menjabat sebelumnya.
4. Program orientasi yang diberikan dapat berupa 4. The orientation program provided can be in the form of
presentasi, pertemuan atau kunjungan ke fasilitas Bank, presentations, meetings or visits to the Bank's facilities,
perkenalan dengan para karyawan senior dan para introductions to senior employees and Bank employees
karyawan Bank serta program lainnya. and other programs.
Pada tahun 2022, Bank Muamalat telah melaksanakan In 2022, Bank Muamalat carried out 2 (two) company
2 (dua) kali program orientasi/pengenalan perusahaan orientation/introduction programs to new members of the
kepada anggota Direksi Baru pada tanggal 1 Juli 2022, Board of Directors on July 1, 2022, and December 5, 2022, in
dan 5 Desember 2022 sesuai dengan perubahan struktur accordance with changes in the membership structure of the
keanggotaan Direksi pada RUPSLB 24 Juni 2022, dan 29 Board of Directors at the EGMS June 24, 2022, and November
November 2022. 29, 2022.
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 yang harus dikuasai are a necessity that must be possessed by members of the
anggota Direksi Bank Muamalat dalam rangka Board of Directors of Bank Muamalat to effectively implement
pelaksanaan manajemen risiko Bank secara efektif. Hal the Bank's risk management. This is also confirmed by
tersebut juga ditegaskan oleh Peraturan Otoritas Jasa the Regulation of the Financial Services Authority of the
Keuangan Republik Indonesia Nomor 24 Tahun 2022 Republic of Indonesia Number 24 of 2022 concerning
Tentang Pengembangan Kualitas Sumber Daya Manusia the Development of the Quality of Human Resources of
Bank Umum yang mengatur bahwa Dewan Komisaris dan Commercial Banks, which stipulates that the Board of
Direksi wajib memiliki Sertifikasi Kompetensi Kerja di bidang Commissioners and Directors are required to have Work
manajemen risiko yang diterbitkan oleh Lembaga Sertifikasi Competency Certification in the field of risk management
Profesi terkait. issued by the relevant Professional Certification Institution.
Kepemilikan Sertifikasi Manajemen Risiko Direksi Board of Directors Risk Management Certification
Ownership
Level Lembaga yang
Tanggal
Nama Jabatan Sertifikasi Bidang Mengeluarkan Tanggal Kadaluarsa
Dikeluarkan
Name Position Certification Subject Sertifikasi Expiration Date
Issuing Date
Level Certifying Agency
Indra Falatehan Direktur Utama 5 Risk Badan Nasional 14 September 2021 7 Mei 2023
President Management Sertifikasi Profesi September 14, 2021 May 7, 2023
Director Certification (BNSP)
National Professional
Certification Agency
(BNSP)
Karno Direktur 5 Risk Lembaga Sertifikasi 27 Agustus 2020 27 Agustus 2024
Kepatuhan, Management Profesi Perbankan August 27, 2020 August 27, 2024
Risiko & Certification (LSPP)
Hukum Banking Professional
Director of Certification Institute
Compliance, (LSPP)
Risk & Legal

Level Lembaga yang

Tanggal
Nama Jabatan Sertifikasi Bidang Mengeluarkan Tanggal Kadaluarsa
Dikeluarkan
Name Position Certification Subject Sertifikasi Expiration Date
Issuing Date
Level Certifying Agency
Hery Safril Direktur 5 Risk Lembaga Sertifikasi 22 Maret 2014 22 Maret 2024
Risiko Bisnis Management Profesi Perbankan March 22, 2014 March 22, 2024
Pembiayaan/ Certification (LSPP)
Plt. Direktur Banking Professional
Utama Certification Institute
Director of (LSPP)
Financing
Business
Risk/Acting.
President
Director
Wahyu Avianto Direktur 5 Risk Lembaga Sertifikasi 04 Maret 2022 10 Maret 2024
Operasi & Management Profesi Perbankan March 04, 2022 March 10, 2024
Digital Certification (LSPP)
Director of Banking Professional
Operations & Certification Institute
Digital (LSPP)
Suhendar Direktur 5 Risk Lembaga Sertifikasi 15 Desember 2022 15 Desember 2024
Keuangan dan Management Profesi Perbankan December 15, 2022 December 15, 2024
Strategi Certification (LSPP)
Director of Banking Professional
Finance and Certification Institute
Strategy (LSPP)
PROGRAM PENGEMBANGAN KOMPETENSI BOARD OF DIRECTORS COMPETENCY

DIREKSI DEVELOPMENT PROGRAM
Sepanjang tahun 2022, Direksi Bank Muamalat Indonesia Throughout 2022, the Board of Directors of Bank Muamalat
telah mengikuti berbagai pelatihan yang secara rinci Indonesia has attended various trainings which are detailed
disampaikan dalam bab “Profil Perusahaan” dalam Laporan in the "Company Profile" chapter in this Annual Report.
Tahunan.
MEKANISME PENGUNDURAN DIRI DAN RESIGNATION AND DISMISSAL MECHANISM

PEMBERHENTIAN DIREKSI OF THE BOARD OF DIRECTORS
Berikut ialah mekanisme pengunduran diri dan The following is the mechanism for resignation and dismissal
pemberhentian Direksi: of the Board of Directors:
1. Anggota Direksi berhak mengundurkan diri dari 1. Members of the Board of Directors are entitled to resign
jabatannya dengan memberitahukan secara tertulis from their position by notifying the company in writing
kepada perusahaan dalam jangka waktu 90 (Sembilan within 90 (Ninety) days prior to the resignation.
puluh) hari sebelum pengunduran diri dimaksud.
2. Perseroan wajib menyelenggarakan RUPS untuk 2. The Company must hold a GMS to resolve the resignation
memutuskan permohonan pengunduran diri anggota request of the member of the Board of Directors within a
Direksi tersebut dalam jangka waktu selambat- period of no later than 90 (Ninety) days after the receipt
lambatnya 90 (Sembilan puluh) hari setelah diterimanya of the resignation request letter.
surat permohonan pengunduran diri.
3. Anggota Direksi yang mengundurkan diri tetap dapat 3. Members of the Board of Directors who resign can
dimintakan pertanggungjawabannya sebagai Direktur still be held accountable as Directors from the time of
sejak pengangkatan yang bersangkutan sampai dengan their appointment until the date of approval of their
tanggal disetujuinya pengunduran diri. resignation.
4. Perusahaan wajib melakukan keterbukaan informasi 4. The Company shall disclose information to the public
kepada masyarakat dan menyampaikan kepada Otoritas and submit to the Financial Services Authority no later
Jasa Keuangan paling lambat 2 (dua) hari kerja setelah: than 2 (two) business days after:
a. diterimanya permohonan pengunduran diri anggota a. receipt of the application for resignation of a member
Direksi of the Board of Directors;
b. hasil penyelenggaraan RUPS b. the result of the GMS

5. RUPS dapat mengangkat orang lain untuk mengisi 5. The GMS may appoint another person to fill the position
jabatan seorang Direktur yang diberhentikan dari of a Director who is dismissed from office and the GMS
jabatannya dan RUPS dapat mengangkat seseorang may appoint a person as a Director to fill a vacancy.
sebagai Direktur untuk mengisi suatu lowongan. Masa The term of office of a person appointed to replace a
jabatan seseorang yang diangkat untuk menggantikan Director who is terminated as such or to fill a vacancy
Direktur yang berhenti secara demikian atau untuk shall be the remaining term of office of the Director who
mengisi lowongan tersebut adalah sisa masa jabatan is terminated/ replaced.
dari Direktur yang diberhentikan/digantikan tersebut.
6. Direksi wajib memberitahukan perubahan susunan dan 6. The Board of Directors shall notify changes in the
nama anggota Direksi kepada Menteri untuk dicatat composition and names of members of the Board of
dalam daftar perseroan dalam jangka waktu 30 (tiga Directors to the Minister to be recorded in the company
puluh) hari terhitung sejak tanggal keputusan RUPS atau register within 30 (thirty) days as of the date of the GMS
keputusan yang mengikat di luar RUPS. resolution or binding resolution outside the GMS.
PENILAIAN KINERJA KOMITE DI BAWAH PERFORMANCE ASSESSMENT OF COMMITTEE

DIREKSI UNDER THE BOARD OF DIRECTORS
Dasar Penilaian Basis for Assessment

Pembentukan Komite tingkat Direksi ditujukan untuk The establishment of the Board of Directors Committee is
membantu Direksi dalam menjalankan tugas dan tanggung intended to assist the Board of Directors in carrying out its
jawabnya. Pembentukan komite tingkat Direksi berdasarkan duties and responsibilities. The establishment of the Board of
surat keputusan Direksi disertai tugas dan tanggung jawab Directors-level committees is based on the Board of Directors'
masing-masing komite. Adapun tugas dan tanggung jawab resolution, along with the duties and responsibilities of
komite-komite tersebut secara rinci diatur dalam Piagam each committee. The duties and responsibilities of these
(Charter) Komite level Direksi Bank Muamalat. committees are detailed in the Charter of the Board of
Directors Committee of Bank Muamalat.
Pada tahun 2022, Bank Muamalat memiliki Komite tingkat In 2022, Bank Muamalat has Board of Directors level
Direksi yakni Komite Pengarah Teknologi Informasi, Komite committees, namely the Information Technology Steering
Manajemen Risiko, Komite Aset dan Kewajiban, serta Komite Committee, Risk Management Committee, Assets and
Sumber Daya Manusia. Liabilities Committee, and Human Resources Committee.
Penilaian atas kinerja komite-komite tingkat Direksi Assessment of the performance of the Board of Directors
dilakukan dilaksanakan secara periodik melalui Human level committees is carried out periodically through the
Capital Division. Berikut merupakan dasar penilaian atas Human Capital Division. The following is the basis for
kinerja anggota komite tingkat Direksi dalam melaksanakan assessing the performance of members of the Board of
tugas dan tanggung jawabnya: Directors level committees in carrying out their duties and
responsibilities:
1. Pemenuhan Struktur Organisasi Komite 1. Fulfillment of Committee Organizational Structure;
2. Ketersediaan Piagam/Charter Komite 2. Availability of Committee Charter/Charter;
3. Pelaksanaan Rapat Komite 3. Implementation of Committee Meeting;
4. Dokumentasi Hasil Rekomendasi Komite 4. Documentation of Committee Recommendation Results

Hasil Penilaian Assessment Results

Berikut adalah hasil penilaian Komite di Bawah Direksi atas The following are the results of the assessment of the
kinerja yang telah diberikan sepanjang tahun 2022: Committee under the Board of Directors for the performance
that has been given throughout 2022:
Indikator
Penilaian Assessment
Indicator
Struktur Organisasi Komite Struktur organisasi dan komposisi keanggotaan The organizational structure and membership
Committee Organizational komite tingkat Direksi telah lengkap dan sesuai composition of the Board of Directors level
Structure dengan kebutuhan Bank. Proses pengangkatan committees are complete and in accordance with
keanggotaan komite telah mengacu kepada the needs of the Bank. The appointment process of
ketentuan perundangan yang berlaku. committee membership has referred to the prevailing
laws and regulations.
Ketersediaan Piagam Seluruh komite tingkat Direksi telah memiliki piagam All committees at the Board of Directors level have
Komite komite sebagai panduan dalam pelaksanaan tugas a committee charter as a guide in carrying out their
Availability of Committee dan tanggung jawab sebagai anggota komite. Namun duties and responsibilities as committee members.
Charter ke depannya masih diperlukan improvement dalam However, in the future, improvement is still needed in
rangka pengkinian piagam komite yang telah ada. order to update the existing committee charters.
Dokumentasi Hasil Hasil rapat komite tingkat Direksi telah dituangkan The results of the Board of Directors level committee
Rekomendasi Komite dalam risalah rapat dan telah didokumentasikan meetings have been set forth in the minutes of
Documentation dengan baik, termasuk pengungkapan dissenting meetings and have been well documented, including
of Committee opinions (jika ada) secara jelas. clear disclosure of dissenting opinions (if any).
Recommendations
Pelaksanaan Rapat Komite Frekuensi rapat komite tingkat Direksi selama tahun The frequency of Board of Directors committee
Implementation of 2022 telah sesuai dengan ketentuan dan mengacu meetings during 2022 was in accordance with the
Committee Meetings kepada jadwal rapat tahunan yang telah ditetapkan. provisions and refers to the annual meeting schedule
that has been set.
Menindaklanjuti keputusan RUPSLB Bank Muamalat tanggal Following up on the decisions of the EGMS of Bank Muamalat
24 Juni 2022 dan 29 November 2022, Bank Muamalat dated June 24, 2022 and November 29, 2022, Bank Muamalat
telah menyesuaikan struktur organisasi dan komposisi has adjusted the organizational structure and membership
keanggotaan komite tingkat Direksi. composition of the Board of Directors level committees.

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 Commissioners, and Majority and/or Controlling
Shareholders
HUBUNGAN AFILIASI DEWAN KOMISARIS AFFILIATION RELATIONSHIP OF THE BOARD OF

COMMISSIONERS
Pengungkapan hubungan afiliasi anggota Dewan Komisaris Disclosure of affiliated relationships of members of the
mencakup hubungan keluarga dan hubungan keuangan Board of Commissioners includes family relationships and
dengan anggota Dewan Komisaris lainnya, Direksi, maupun financial relationships with other members of the Board of
pemegang saham pengendali. Bentuk hubungan keuangan Commissioners, Directors, and controlling shareholders.
termasuk di antaranya utang-piutang, kerja sama bisnis, dan Forms of financial relationships include debt and credit,
sebagainya. Adapun, bentuk hubungan keluarga mencakup business cooperation, and so on. Meanwhile, family
hubungan istimewa terutama yang disebabkan hubungan relationships include special relationships, especially those
pertalian darah seperti suami/istri/anak/orang tua/saudara caused by blood relations such as husband/wife/children/
kandung/ipar, dan sebagainya. parents/siblings/in-laws, and so on.
Pernyataan Hubungan Afiliasi Dewan Komisaris Statement of Affiliation 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
Mardiasmo*) Komisaris √ √ √ √ √ √ √
Utama
Independen
Independent
President
Commissioner
Suwarta*) Komisaris √ √ √ √ √ √ √
Independen
Independent
Commissioner
Sartono Komisaris √ √ √ √ √ √ √
Independen
Independent
Commissioner
Amin Said Komisaris √ √ √ √ √ √ √
Husni Independen
Independent
Commissioner
Andre Mirza Komisaris √ √ √ √ √ √ √
Hartawan Commissioner
*)

HUBUNGAN AFILIASI DIREKSI AFFILIATION RELATIONSHIP OF THE BOARD

OF DIRECTORS
Bank mengatur pengungkapan hubungan afiliasi Direksi The Bank regulates the disclosure of affiliated relationships
mencakup hubungan keluarga dan hubungan keuangan of the Board of Directors, including family relationships and
dengan anggota Direksi lainnya, Dewan Komisaris, maupun financial relationships with other members of the Board
Pemegang Saham pengendali. Bentuk hubungan keuangan of Directors, the Board of Commissioners, and controlling
termasuk di antaranya utang-piutang, kerja sama bisnis, shareholders. Forms of financial relationships include debt
dan sebagainya. Sementara bentuk hubungan keluarga and credit, business cooperation, and so on. Meanwhile,
mencakup hubungan istimewa terutama yang disebabkan family relationships include special relationships, especially
hubungan pertalian darah seperti suami/istri/anak/orang those caused by blood relations such as husband/wife/
tua/saudara kandung/ipar, dan sebagainya. Pernyataan children/parents/siblings/in-laws, and so on. Statement of
Hubungan Afiliasi Direksi Affiliated Relationship of the Board of Directors
Pernyataan Hubungan Afiliasi Direksi Statement of Affiliated Relationship of the Board of

Directors
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
Indra Direktur √ √ √ √ √ √ √
Falatehan Utama
President
Director
Karno Direktur √ √ √ √ √ √ √
Kepatuhan,
Risiko &
Hukum
Director of
Compliance,
Risk & Legal
Hery Safril Direktur √ √ √ √ √ √ √
Risiko Bisnis
Pembiayaan/
Plt. Direktur
Utama
Director of
Financing
Business
Risk/Acting.
President
Director
Wahyu Direktur √ √ √ √ √ √ √
Avianto Operasi &
Digital
Director of
Operations &
Digital
Suhendar Direktur √ √ √ √ √ √ √
Keuangan
dan Strategi
Director of
Finance and
Strategy

Kebijakan Pengungkapan Informasi

Kepemilikan Saham
Policy on Disclosure of Information on Share Ownership
Anggota Dewan Komisaris dan anggota Direksi Bank Members of the Board of Commissioners and members of
Muamalat wajib melaporkan kepada Perseroan mengenai the Board of Directors of Bank Muamalat must report to
saham yang dimiliki anggota Dewan Komisaris dan anggota the Company regarding the shares owned by members of
Direksi yang bersangkutan dan/atau keluarganya pada Bank the Board of Commissioners and members of the Board of
Muamalat dan Perseroan lain untuk selanjutnya dicatat dalam Directors concerned and / or their families in Bank Muamalat
daftar khusus, termasuk setiap perolehan dan perubahan and other companies to be recorded in a special register,
dalam kepemilikan saham tersebut wajib dilaporkan. including any acquisition and changes in share ownership
Pengungkapan saham tersebut terkait kepemilikan saham must be reported. Disclosure of these shares related to share
yang mencapai sejumlah 5% (lima persen) atau lebih, baik ownership that reaches a total of 5% (five percent) or more,
pada Bank Muamalat maupun pada bank dan perusahaan both in Bank Muamalat and in other banks and companies,
lain, yang berkedudukan di dalam dan di luar negeri dalam domiciled at home and abroad in the GCG implementation
laporan pelaksanaan GCG. report.
KEBIJAKAN KEBERAGAMAN DEWAN DIVERSITY POLICY OF THE BOARD OF

KOMISARIS DAN DIREKSI COMMISSIONERS AND DIRECTORS
Penentuan komposisi anggota Dewan Komisaris telah Determination of the composition of the Board of
memperhatikan keberagaman keahlian, pengetahuan dan Commissioners has taken into account the diversity of
pengalaman yang dibutuhkan sesuai dengan tujuan dan expertise, knowledge and experience required in accordance
kebutuhan perusahaan sesuai dengan rekomendasi Otoritas with the objectives and needs of the company in accordance
Jasa Keuangan yang tertuang dalam Lampiran Surat Edaran with the recommendations of the Financial Services
Otoritas Jasa Keuangan Nomor 32/SEOJK.04/2015 tentang Authority contained in the Appendix to the Circular Letter of
Pedoman Tata Kelola Perusahaan Terbuka. the Financial Services Authority Number 32/SEOJK.04/2015
concerning Guidelines for Public Company Governance.
Pernyataan Keberagaman Komposisi Dewan Komisaris Diversity Statement of Board of Commissioners

Composition
Nama Jabatan Usia Pendidikan Pengalaman Kerja Keahlian
No Gender
Name Position Age Education Job Experience Expertise
1 Mardiasmo*) Komisaris 64 Laki-laki • Doktor • Komisaris Independen PT TASPEN • Tata Kelola

Utama Male Kebijakan Publik (Persero) (2020-sekarang) perusahaan
Independen • MBA • Staf Ahli Dewan Komsioner OJK • Ekonomi
Independent Administrasi (2020) • Pajak
President Bisnis • Ketua Komite Pengawas • Corporate
Commissioner • Sarjana Perpajakan (2019-2022) Governance
Ekonomi • Anggota Dewan Komisioner OJK • Economy
• Doctor of Public Ex Officio Kemenkeu (2014-2019) • Tax
Policy • Wakil Menteri Keuangan RI (2014-
• MBA Business 2019)
Administration • Independent Commissioner of
• Bachelor of PT TASPEN (Persero)
Economics (2020-present)
• Expert Staff of OJK Board of
Commissioners (2020)
• Chairman of the Taxation
Supervisory Committee (2019-
2022)
• Member of OJK Board of
Commissioners Ex Officio Ministry
of Finance (2014-2019)
• Deputy Minister of Finance (2014-
2019)


No Gender
2 Suwarta*) Komisaris 51 Laki-laki • Doktor • Partner Pendiri Firma Hukum • Akuntansi

Independen Male Manajemen Bisnis JMT Law House (2010 - • Hukum
Independent Bisnis sekarang), • Perbankan
Commissioner • Magister Hukum • Komisaris Independen PT Bank • Accounting
Bisnis Pembangunan Jawa Barat dan • Legal
• Sarjana Hukum Banten tbk/Bank BJB (2016 - • Banking
• Sarjana 2018),
Akuntansi • Direktur Utama PT Rizgold
• Doctor of Resources (2015 - 2016),
Business • Komite Audit PT Bank
Management Pembangunan Jawa Barat dan
• Master of Banten Tbk/Bank BJB (2012 –
Business Law 2016).
• Bachelor of Law • Founding Partner of JMT Law
• Bachelor of House Business Law Firm (2010 -
Accounting present),
• Independent Commissioner of
PT Bank Pembangunan Jawa
Barat dan Banten tbk/Bank BJB
(2016 - 2018),
• President Director of PT Rizgold
Resources (2015-2016),
• Audit Committee of PT Bank
Pembangunan Jawa Barat dan
Banten Tbk/Bank BJB (2012 -
2016).
3 Sartono Komisaris 61 Laki-laki Sarjana Hukum • Jaksa Fungsional pada Jaksa Hukum
Independen Male Bachelor of Law Agung Muda Pembinaan di Legal Affairs
Independent Kejaksaan Agung pada tahun
Commissioner 2021
• Sekretaris Jaksa Agung Muda
Pembinaan di Kejaksaan Agung
pada tahun 2019.
• Functional Prosecutor at the
Deputy Attorney General for
Development in the Attorney
General's Office in 2021
• Secretary to the Deputy Attorney
General for Development in the
Attorney General's Office in 2019.
4 Amin Said Komisaris 56 Laki-laki • Magister Studi • Wakil Ketua Badan Anggaran Syariah
Husni Independen Male Antropologi Dewan Perwakilan Rakyat (DPR) Sharia
Independent Budaya Republik Indonesia (RI) dari 2006
Commissioner • Sarjana Syariah hingga 2018
• Master of • Anggota Komisi X (Pendidikan)
Cultural DPR RI dari 2007 hingga 2008
Anthropology • Vice Chairman of the Budget
Studies Committee of the House of
• Bachelor of Representatives (DPR) of the
Sharia Republic of Indonesia (RI) from
2006 to 2018
• Member of Commission X
(Education) of the House of
Representatives from 2007 to
2008
5 Andre Mirza Komisaris 53 Laki-laki • Doktor Ilmu • Komisaris Independen PT Bank • Ekonomi
Hartawan Commissioner Male ekonomi Oke Indonesia Tbk (2019-2022) • Perbankan
• Master • Komisaris Utama PT Wisma • Economy
Administrasi Seratus Sejahtera (2014-sekarang) • Banking
Bisnis • Komisaris Utama PT Syres Power
• Sarjana Teknik Energy (2004-2019)
Industri • Komisaris Utama PT Auto Daya
• Doctor of Amara (2014-2019)
Economics • Independent Commissioner of
• Master of PT Bank Oke Indonesia Tbk (2019-
Business 2022)
Administration • President Commissioner of
• Bachelor of PT Wisma Seratus Sejahtera
Industrial (2014-present)
Engineering • President Commissioner of
PT Syres Power Energy (2004-2019)
• President Commissioner of
PT Auto Daya Amara (2014-2019)
*)

Pernyataan Keberagaman Komposisi Dewan Komisaris Statement of Diversity of Board of Commissioners

Composition
No Gender
1 Indra Direktur Utama 44 Laki-laki • Magister • Direktur Utama PT KB Bukopin • Perbankan

Falatehan President Male Manajemen Syariah (2022) Syariah
Director Bisnis • Direktur Utama Bank BJB Syariah • Keuangan
• Sarjana Gas dan (2018-2022) • Syariah Banking
Petrochemical • Direktur Pembiayaan Bank BJB • Finance
Engineering Syariah (2017-2018)
• Master of • Direktur Keuangan Bank BJB
Business Syariah (2016)
Management • Group Head of Corporate
• Bachelor Banking 2 Bank Syariah Mandiri
of Gas and (2015-2016)
Petrochemical • Kepala Divisi Special Financing
Engineering- & Syndication Bank Syariah
President Mandiri (2012-2015).
Director of PT KB • President director of PT KB
Bukopin Syariah Bukopin Syariah (2022)
(2022-2023) • Financing Director of Bank BJB
Syariah (2017-2018)
• Finance Director of Bank BJB
Syariah (2016)
• Group Head of Corporate
Banking 2 Bank Syariah Mandiri
(2015-2016)
• Head of Special Financing &
Syndication Division of Bank
Syariah Mandiri (2012-2015).
2 Karno Direktur 50 Laki-laki • Magister • Deputi bidang Manajemen Risiko • Manajemen
Kepatuhan, Male Manajemen di Badan Pengelola Keuangan Risiko
Risiko & • Sarjana Ekonomi Haji (BPKH) (2018-2022) • Perbankan
Hukum • Master of • Kepala Divisi Manajemen Risiko Syariah
Director of Management PT Bank Panin Dubai Syariah Tbk • Risk
Compliance, • Bachelor of (2016-2018) Management
Risk & Legal Economics • Kepala Departemen Manajemen • Syariah Banking
Risiko PT Bank BCA Syariah
(2013-2016).
• Deputy for Risk Management at
the Hajj Financial Management
Agency (BPKH) (2018-2022)
• Head of Risk Management
Division of PT Bank Panin Dubai
Syariah Tbk (2016-2018).
• Head of Risk Management
Department of PT Bank BCA
Syariah (2013-2016).
3 Hery Safril Direktur 53 Laki-laki • MBA • CFO & Finance Director-PT Bank • Perbankan
Risiko Bisnis Male International QNB Kesawan Tbk (2012-2015) • Akuntansi
Pembiayaan/ Business • Controller-PT Bank Rabobank • Keuangan
Plt. Direktur • S1 Akuntansi International Indonesia (2009- • Banking
Utama • MBA 2012) • Accounting
Director of International • Chief Financial Officer & Legal • Finance
Financing Business Entity Controller-JP Morgan
Business • Bachelor of Indonesia (JP Morgan Chase
Risk / Acting. Accounting Bank Jakarta Branch & PT JP
President Morgan Securities Indonesia)
Director pada tahun 2003-2009
• Akuntan Publik, Ernst & Young
(1993-2004)
• CFO & Finance Director-PT Bank
QNB Kesawan Tbk (2012-2015)
• Controller-PT Bank Rabobank
International Indonesia (2009-
2012)
• Chief Financial Officer & Legal
Entity Controller-JP Morgan
Indonesia (JP Morgan Chase
Bank Jakarta Branch & PT JP
Morgan Securities Indonesia) in
2003-2009
• Public Accountant, Ernst &
Young (1993-2004)


No Gender
4 Wahyu Direktur 50 Laki-laki • Magister • Senior Executive Vice President • Perbankan

Avianto Operasi & Male Manajemen Operations PT Bank Syariah Syariah
Digital Keuangan Indonesia Tbk (2021-2022) • Keuangan
Director of • Sarjana Teknik • Anggota/Tim Percepatan • Operasional
Operations & Planologi Integrasi dan Peningkatan Nilai • Syariah banking
Digital • Master of Bank Syariah BUMN (2020-2021) • Finance
Financial • Direktur Keuangan & • Operational
Management Operasional PT Bank BNI Syariah
• Bachelor of (2018-2021).
Planology • Senior Executive Vice President
Engineering Operations PT Bank Syariah
Indonesia Tbk (2021-2022)
• Member/Team for the
Acceleration of Integration and
Increasing the Value of BUMN
Syariah Banks (2020-2021)
• Director of Finance & Operations
at PT Bank BNI Syariah (2018-
2021).
5 Suhendar Direktur 46 Laki-laki • Magister Islamic • Senior Vice President/Group • Keuangan
Keuangan dan Male Banking and Head Corporate Transformation • Ekonomi
Strategi Finance Office PT Bank Syariah Indonesia • Finance
Director of • Sarjana Ekonomi Tbk (2021-2022) • Economy
Finance and • Masters in • Group Head/Senior Vice
Strategy Islamic Banking President, Corporate
and Finance Transformation PT Bank Syariah
• Bachelor of Mandiri (2019-2021)
Economics • Group Head/Senior Vice
President, Accounting Group
PT Bank Syariah Mandiri
(November 2014-Januari 2019).
• Senior Vice President/Group
Head Corporate Transformation
Office PT Bank Syariah Indonesia
Tbk (2021-2022)
• Group Head/Senior Vice
President, Corporate
Transformation of PT Bank
Syariah Mandiri (2019-2021)
• Group Head/Senior Vice
President, Accounting Group
PT Bank Syariah Mandiri
(November 2014-January 2019).

Penilaian Dewan Komisaris dan Direksi

Assessment of the Board of Commissioners and
PENILAIAN DEWAN KOMISARIS BOARD OF COMMISSIONERS ASSESSMENT
Prosedur Penilaian Assessment Procedure

Pelaksanaan penilaian kinerja Dewan Komisaris dilakukan The implementation of the Board of Commissioners
setiap tahun (paling sedikit satu tahun sekali) melalui performance assessment is carried out annually (at least
mekanisme self-assessment. Proses ini diawali dengan once a year) through a self-assessment mechanism. This
pengisian kertas kerja yang berisi kriteria/indikator process begins with filling out a working paper containing
pelaksanaan tugas dan tanggung jawab sesuai ketentuan criteria/indicators of the implementation of duties and
yang berlaku serta atas kompetensi kinerja Dewan Komisaris responsibilities in accordance with applicable regulations
selama satu semester/tahun. and on the performance competence of the Board of
Commissioners for one semester/year.
Hasil penilaian tersebut disampaikan kepada pemegang The assessment results are then submitted to the
saham dan dievaluasi melalui RUPS Tahunan. Pada shareholders and evaluated through the Annual GMS. At the
penyerahan laporan, RUPS juga memberikan pelunasan submission of the report, the GMS also granted full release
dan pembebasan tanggung jawab sepenuhnya (volledig and discharge (volledig acquit et de charge) to the Board of
acquit et de charge) kepada Dewan Komisaris atas tindakan Commissioners for the management (supervisory) actions
pengelolaan (pengawasan) yang dilakukan pada tahun carried out in the financial year ended at the end of the year,
buku yang berakhir pada akhir tahun, sepanjang tindakan as long as such actions are reflected in the Company’s Annual
tersebut tercermin dari Laporan Tahunan dan Laporan Report and Financial Statements and do not constitute a
Keuangan Perseroan serta bukan merupakan tindak pidana criminal offense or violation of the provisions of applicable
atau pelanggaran terhadap ketentuan peraturan perundang- laws and regulations.
Hasil evaluasi terhadap kinerja secara keseluruhan dan The results of the evaluation of the performance of the Board
masing-masing anggota Dewan Komisaris secara individual of Commissioners as a whole and each member of the Board
menjadi pertimbangan dalam skema kompensasi dan of Commissioners individually are taken into consideration
pemberian insentif serta menjadi salah satu dasar in the compensation and incentive scheme and become
pertimbangan Pemegang Saham untuk memberhentikan one of the bases for consideration by the Shareholders
dan/atau menunjuk kembali anggota Dewan Komisaris to dismiss and/or reappoint the members of the Board of
yang bersangkutan. Hasil evaluasi kinerja Dewan Komisaris, Commissioners concerned. The results of the evaluation of
baik sebagai Dewan Komisaris maupun individu kemudian the performance of the Board of Commissioners, both as
menjadi sarana penilaian serta peningkatan efektivitas a Board of Commissioners and individually, then become a
Dewan Komisaris. means of assessing and improving the effectiveness of the
Kriteria Penilaian Assessment Criteria

Kriteria penilaian kinerja Dewan Komisaris secara umum The criteria for evaluating the performance of the Board
ditetapkan berdasarkan tugas kewajiban yang tercantum of Commissioners are generally determined based on the
dalam peraturan perundang-undangan yang berlaku dan duties and obligations stated in the prevailing laws and
Anggaran Dasar Perusahaan maupun amanat Pemegang regulations and the Company's Articles of Association as well
Saham. Kriteria evaluasi disampaikan secara terbuka kepada as the mandate of the Shareholders. The evaluation criteria
Dewan Komisaris sejak pengangkatan pertamanya. are disclosed to the Board of Commissioners upon their first
appointment.

Aspek kriteria self-assessment Dewan Komisaris terbagi Aspects of the Board of Commissioners self-assessment
menjadi 3 (tiga), yaitu aspek: Governance Structure (14 criteria are divided into 3 (three), namely aspects: Governance
indikator), Governance Process (20 indikator) dan Governance Structure (14 indicators), Governance Process (20 indicators),
Outcome (8 indikator). and Governance Outcome (8 indicators).
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 2. Number of members of the Board of Commissioners
Indonesia domiciled in Indonesia
3. Jumlah Komisaris Independen 3. Number of Independent Commissioners
4. Rangkap Jabatan Anggota Dewan Komisaris 4. Concurrent Positions of Members of the Board of
Commissioners
5. Rangkap Jabatan Komisaris Independen sebagai 5. Concurrent Positions Independent Commissioner
Ketua Komite di bawah Dewan Komisaris as Chairman of the Committee under the Board of
Commissioners
6. Tidak ada hubungan Keluarga sesama anggota 6. There is no family relationship among members of
Dewan Komisaris dan/atau Direksi the Board of Commissioners and/or the Board of
Directors
7. Ketersediaan pedoman dan tata tertib kerja 7. Availability of work guidelines and rules
8. Integritas, kompetensi dan reputasi keuangan 8. Integrity, competence and financial reputation
9. Masa tunggu (cooling off) bagi anggota yang berasal 9. Waiting period (cooling off) for members who are
dari mantan anggota Direksi former members of the Board of Directors
10. Tidak ada hubungan keuangan, kepengurusan, 10. There are no financial, management, share
kepemilikan saham dan/atau hubungan keluarga ownership and/or family relationships that may affect
yang dapat mempengaruhi independensi independence
11. Pemenuhan kelulusan fit and proper test OJK 11. Fulfillment of OJK fit and proper test
12. Kompetensi yang memadai dan relevan dengan 12. Competence that is sufficient and relevant to the
jabatan untuk menjalankan tugas dan tanggung position to carry out the duties and responsibilities
jawab
13. Kemauan dan kemampuan untuk melakukan 13. Willingness and ability to carry out continuous
pembelajaran secara berkelanjutan learning
14. Komposisi Dewan Komisaris tidak memenuhi 14. The composition of the Board of Commissioners does
ketentuan karena adanya intervensi pemilik not meet the requirements due to owner intervention
Governance Process 1. Proses Pengangkatan dan/atau penggantian anggota 1. The process of appointing and/or replacing members
Dewan Komisaris of the Board of Commissioners
2. Telah memastikan penyelenggaraan prinsip-prinsip 2. Has ensured the implementation of the principles of
Good Corporate Governance dalam setiap kegiatan Good Corporate Governance in every business activity
usaha
3. Melakukan kewajiban dalam pengawasan 3. Carry out obligations in supervising the
pelaksanaan tugas dan tanggung jawab Direksi implementation of the duties and responsibilities of
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 5. Has approved, evaluated Risk Management policies
Manajemen Risiko dan strategi Manajemen Risiko and Risk Management strategies
6. Evaluasi atas pertanggung jawaban Direksi dan 6. Evaluation of the responsibility of the Board of
memberikan arahan perbaikan atas pelaksanaan Directors and provide direction for improvement of
Manajemen Risiko the 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 plan
8. Tidak terlibat dalam pengambilan keputusan kegiatan 8. Not involved in making decisions on the Bank's
operasional Bank operational activities
9. Memastikan bahwa Direksi telah menindaklanjuti 9. Ensuring that the Board of Directors has followed up
temuan audit dan rekomendasi dari Satuan Kerja on audit findings and recommendations from the
Audit Intern (SKAI) Bank Bank's Internal Audit Work Unit (SKAI).
10. Melakukan pemberitahuan kepada OJK jika terjadi 10. Notify the OJK if there is a violation of regulations
pelanggaran peraturan
11. Independensi dalam pelaksanaan tugas dan tanggung 11. Independence in carrying out duties and
jawab responsibilities
12. Pembentukan Komite Audit, Komite Pemantau Risiko, 12. Formation of the Audit Committee, Risk Monitoring
serta Komite Remunerasi dan Nominasi Committee, and the Remuneration and Nomination
Committee
13. Proses pengangkatan Anggota Komite 13. The process of appointment of Committee Members
14. Memastikan Komite menjalankan tugas dan tanggung 14. Ensuring that the Committee carries out its duties and
jawabnya responsibilities
15. Penyediaan waktu yang cukup oleh anggota dalam 15. Provision of sufficient time by members in carrying
melaksanakan tugas dan tanggung jawab out their duties and responsibilities
16. Pelaksanaan Rapat Dewan Komisaris 16. Implementation of Board of Commissioners Meetings
17. Mekanisme pengambilan keputusan Rapat 17. Meeting decision-making mechanism
18. Tidak memanfaatkan Bank untuk kepentingan 18. Do not use the Bank for personal, family and/or other
pribadi, keluarga, dan/atau pihak lain party interests
19. Tidak mengambil dan/atau menerima keuntungan 19. Do not take and/or receive personal benefits from the
pribadi dari Bank Bank
20. Intervensi pemilik terhadap pelaksanaan tugas 20. Owner intervention in carrying out the duties of the
Dewan Komisaris Board of Commissioners

Aspek
Indikator Indicator
Aspect
Governance 1. Dokumentasi hasil rapat Dewan Komisaris 1. Documentation of the results of the Board of
Outcome Commissioners' meeting
2. Penyampaian hasil rapat kepada seluruh anggota 2. Submission of meeting results to all members of the
Dewan Komisaris dan pihak terkait Board of Commissioners and related parties
3. Implementasi hasil rapat Dewan Komisaris 3. Implementation of the results of the Board of
Commissioners meeting
4. Pengungkapan informasi mandatory pada Laporan 4. Disclosure of mandatory information on the Bank's
GCG Bank GCG Report
5. Efektivitas pengawasan aktif Dewan Komisaris 5. The effectiveness of the Board of Commissioners'
active supervision
6. Peningkatan pengetahuan, keahlian dan kemampuan 6. Increasing the knowledge, skills and abilities of
anggota Dewan Komisaris members of the Board of Commissioners
7. Adanya gangguan/kerugian akibat intervensi pemilik 7. There are disturbances/losses due to the owner's
terhadap Dewan Komisaris intervention on the Board of Commissioners
8. Penerapan manajemen risiko 8. Application of risk management
Pihak yang Melakukan Penilaian Parties Conducting the Assessment

Metode penilaian ialah self-assesssment yang dilakukan oleh The assessment method used is self-assessment conducted
Dewan Komisaris sendiri dan dibantu oleh fungsi terkait. by the Board of Commissioners itself and assisted by related
functions.

Hasil penilaian self-assessment yang telah dilaksanakan pada The results of the self-assessment carried out in the first and
semester I dan II tahun 2022 dari aspek Governance Structure, second semester of 2022 from the aspects of Governance
Governance Process, dan Governance Outcome pada Dewan Structure, Governance Process, and Governance Outcome
Komisaris adalah sebagai berikut: on the Board of Commissioners are as follows:
1. Jumlah dan komposisi anggota Dewan Komisaris, Direksi 1. The number and composition of members of the Board
dan DPS Bank Muamalat telah sesuai dengan ketentuan of Commissioners, Directors and DPS of Bank Muamalat
dimana Dewan Komisaris berjumlah 5 (lima) orang dan 4 are in accordance with the provisions where the Board of
(empat) di antaranya merupakan Komisaris Independen. Commissioners totals 5 (five) people and 4 (four) 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 sufficient competence
jabatannya untuk menjalankan tugas dan tanggung and are relevant 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
derajat kedua baik sesama sesama anggota Dewan degree both among fellow members of the Board of
Komisaris serta anggota Direksi dengan Dewan Commissioners and members of the Board of Directors
Komisaris. with the Board of Commissioners.
4. Dewan Komisaris telah memiliki pedoman dalam 4. The Board of Commissioners has guidelines in carrying
pelaksanaan tugas dan tanggung jawabnya sesuai out its duties and responsibilities in accordance with its
fungsinya. functions.
5. Dalam rangka membantu pelaksanaan tugas 5. In order to assist the implementation of supervisory
pengawasan, Dewan Komisaris telah membentuk Komite duties, the Board of Commissioners has established a
tingkat Dewan Komisaris sesuai dengan ketentuan. Board of Commissioners-level Committee in accordance
Komposisi anggota Komite tingkat Dewan Komisaris with the provisions. The composition of the members of
juga telah disesuaikan sesuai keputusan RUPSLB Bank the Board of Commissioners level Committee has also
Muamalat tanggal 28 Februari 2022, RUPSLB tanggal been adjusted according to the decision of the EGMS of
24 Juni 2022, dan RUPSLB tanggal 29 November 2022 Bank Muamalat dated February 28, 2022, EGMS dated
mengenai perubahan susunan anggota pengurus June 24, 2022, and EGMS dated November 29, 2022
Perseroan. regarding changes in the composition of the Company's
management members.
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 supervised and
pemberian nasihat kepada Direksi melalui rapat Dewan advised the Board of Directors through the Board of
Komisaris bersama Direksi. Commissioners meetings with the Board of Directors.
8. Dalam rangka menjalankan tugas dan fungsinya, Dewan 8. In order to carry out its duties and functions, the
Komisaris secara rutin telah menyelenggarakan rapat- Board of Commissioners has regularly held meetings
rapat Dewan Komisaris dan rapat Dewan Komisaris of the Board of Commissioners and meetings of the
bersama Direksi sesuai ketentuan. Rapat tersebut Board of Commissioners with the Board of Directors in
dilaksanakan dalam rangka melakukan pengawasan accordance with the provisions. The meetings are held in
terhadap pelaksanaan tugas dan tanggung jawab Direksi order to supervise the implementation of the duties and
dan pemberian nasihat kepada Direksi. responsibilities of the Board of Directors and to 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 the Bank's Business Plan supervision report to OJK on a
Bisnis Bank kepada OJK secara berkala. regular basis.
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 implementation of GCG aspects, including adjusting
lain menyesuaikan keanggotaan komite Nominasi dan the membership of the Nomination and Remuneration
Remunerasi serta komite Tata Kelola Perusahaan sesuai committee and Corporate Governance committee in
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
dan Remunerasi Bank Muamalat telah diselenggarakan and Nomination and Remuneration Committee
sesuai dengan ketentuan dan telah menetapkan of Bank Muamalat have been held in accordance
beberapa rekomendasi yang menjadi perhatian dan with the provisions and have determined several
fokus perbaikan Bank Muamalat Indonesia. recommendations that are the concern and focus of
improvement of Bank Muamalat Indonesia.
Rekomendasi Hasil Penilaian Recommendation from the Assessment Result

Proses Penilaian Kemampuan dan Kepatutan atas 2 (dua) The Fit and Proper Assessment process for 2 (two)
orang anggota komisaris independen yang belum efektif independent commissioners who have not effectively
menjabat sebagai anggota Dewan Komisaris perlu terus served as members of the Board of Commissioners needs
dilakukan. Selain itu terdapat 1 (satu) orang anggota to be continued. In addition, there is 1 (one) member of the
Komisaris Independen Perseroan yang rangkap jabatannya Company's Independent Commissioner whose concurrent
belum sesuai dengan ketentuan. position is not in accordance with the provisions.
PENILAIAN DIREKSI BOARD OF DIRECTORS ASSESSMENT
Prosedur Penilaian Assessment Procedure

Pelaksanaan penilaian kinerja Direksi dilakukan setiap The performance assessment of the Board of Directors is
tahun (paling sedikit satu tahun sekali) melalui mekanisme conducted each year (at least once a year) through a self-
self-assessment. Proses ini diawali dengan pengisian kertas assessment mechanism. This process begins with the
kerja yang berisi kriteria/indikator pelaksanaan tugas dan completion of working papers containing criteria/indicators
tanggung jawab sesuai ketentuan yang berlaku serta atas of the implementation of duties and responsibilities in
kompetensi kinerja Direksi selama satu semester/tahun. accordance with applicable regulations as well as on the
competence of the performance of the Board of Directors
for one semester/year.
Hasil penilaian tersebut kemudian disampaikan kepada The assessment results are then submitted to the
pemegang saham dan dievaluasi melalui RUPS Tahunan. shareholders for evaluation in the Annual GMS. At the
Pada penyerahan laporan, RUPS juga memberikan submission of the report, the GMS also granted full release
pelunasan dan pembebasan tanggung jawab sepenuhnya and discharge (volledig acquit et de charge) to the Board of
(volledig acquit et de charge) kepada Direksi atas tindakan Directors for the management (supervision) actions carried
pengelolaan (pengawasan) yang dilakukan pada tahun out in the financial year ended at the end of the year, as
buku yang berakhir pada akhir tahun, sepanjang tindakan long as such actions are reflected in the Company’s Annual

tersebut tercermin dari Laporan Tahunan dan Laporan Report and Financial Statements and do not constitute a
Keuangan Perseroan serta bukan merupakan tindak pidana criminal offense or violation of the provisions of applicable
atau pelanggaran terhadap ketentuan peraturan perundang- laws and regulations.
Hasil evaluasi terhadap kinerja secara keseluruhan dan The results of the evaluation of the overall performance
masing-masing anggota Direksi secara individual menjadi and each member of the Board of Directors individually are
pertimbangan dalam skema kompensasi dan pemberian taken into consideration in the compensation and incentive
insentif serta menjadi salah satu dasar pertimbangan scheme and become one of the bases for consideration by
Pemegang Saham untuk memberhentikan dan/atau the Shareholders to dismiss and/or reappoint the members
menunjuk kembali anggota Direksi yang bersangkutan. of the Board of Directors concerned.
Kriteria Penilaian Assessment Criteria

Kriteria penilaian kinerja Direksi secara umum ditetapkan The criteria for evaluating the performance of the Board
berdasarkan tugas kewajiban yang tercantum dalam of Directors are generally determined based on the duties
peraturan perundang-undangan yang berlaku dan Anggaran and obligations stated in the prevailing laws and regulations
Dasar Perusahaan maupun amanat Pemegang Saham. and the Company’s Articles of Association as well as the
Kriteria evaluasi disampaikan secara terbuka kepada Direksi mandate of the Shareholders. The evaluation criteria are
sejak pengangkatan pertamanya. submitted openly to the Board of Directors since their first
appointment.
Kriteria self-assessment Direksi Bank Muamalat terbagi The self-assessment criteria of the Board of Directors of Bank
menjadi 3 (tiga) aspek, yaitu aspek: Governance Structure (15 Muamalat are divided into 3 (three) aspects, namely aspects:
indikator), Governance Process (25 indikator) dan Governance Governance Structure (15 indicators), Governance Process
Outcome (14 indikator). (25 indicators), and Governance Outcome (14 indicators).
Aspek
Indikator Indicator
Aspect
Governance 1. Jumlah Anggota Direksi 1. Number of Directors

Structure 2. Jumlah Anggota yang berdomisili di Indonesia 2. Number of Members 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. Dual Position 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 6. No family relationship among members of the Board
Direksi dan/atau dengan Dewan Komisaris of Directors and / or with the Board of Commissioners
7. Ketersediaan pedoman dan tata tertib kerja 7. Availability of guidelines and work rules
8. Penggunaan penasehat perorangan dan/atau jasa 8. The use of individual advisors and/or professional
profesional oleh Direksi services by the Board of Directors
9. Integritas, kompetensi, dan reputasi keuangan 9. Integrity, competence and financial reputation
10. Presiden Direktur atau Direktur Utama, berasal dari 10. President Director or President Director, coming from
pihak yang independen an independent party
11. Pemenuhan kelulusan fit and proper test OJK 11. Fulfillment of OJK fit and proper test
12. Kompetensi Direksi yang memadai dan relevan 12. Competence of the Board of Directors is adequate
dengan jabatannya and relevant to their position
13. Kemauan dan kemampuan untuk melakukan 13. Willingness and ability to conduct continuous learning
pembelajaran secara berkelanjutan dalam rangka in order to improve knowledge
peningkatan pengetahuan
14. Budaya pembelajaran secara berkelanjutan dalam 14. Culture of continuous learning in order to improve
rangka peningkatan pengetahuan knowledge
15. Komposisi Direksi tidak memenuhi ketentuan karena 15. Composition of the Board of Directors does not fulfill
adanya intervensi pemilik the provisions due to owner intervention

Aspek
Indikator Indicator
Aspect
Governance Process 1. Proses Pengangkatan dan/atau penggantian anggota 1. Appointment and/or replacement process for
Direksi members of the Board of Directors;
2. Pengangkatan Anggota Komite Direksi berdasarkan 2. Appointment of Board of Directors Committee
keputusan rapat Dewan Komisaris Members based on the decision of the Board of
Commissioners meeting;
3. Tidak memberikan kuasa umum kepada pihak lain 3. Not giving 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 authority and responsibilities of the Board of
Dasar dan UU Directors as stipulated in the Articles of Association
and the Law;
6. Independensi Direksi terhadap pemegang saham 6. Independence of the Board of Directors towards
7. Pelaksanaan prinsip-prinsip Good Corporate shareholders;
Governance dalam setiap kegiatan usaha Bank pada 7. Implementation of the principles of Good Corporate
seluruh tingkatan atau jenjang organisasi Governance in every business activity of the Bank at
all levels of the organization;
8. Menindaklanjuti temuan audit dan rekomendasi dari 8. Follow up on audit findings and recommendations
SKAI, auditor eksternal, dan hasil pengawasan OJK from SKAI, external auditors, and OJK supervision
results;
9. Menyediakan data dan informasi yang akurat, relevan 9. Providing accurate, relevant and timely data
dan tepat waktu kepada anggota Dewan Komisaris and information to members of the Board of
dan DPS Commissioners and DPS;
10. Pengambilan keputusan rapat Direksi telah dilakukan 10. Decision making of the Board of Directors meeting
berdasarkan musyawarah mufakat has been conducted based on deliberation to reach
consensus;
11. Setiap keputusan rapat yang diambil Direksi dapat 11. Every meeting decision taken by the Board of
diimplementasikan Directors can be implemented;
12. Menetapkan kebijakan dan keputusan strategis 12. Determining strategic policies and decisions through
melalui mekanisme rapat Direksi the mechanism of the Board of Directors meeting;
13. Tidak memanfaatkan Bank untuk kepentingan 13. Not utilizing the Bank for personal, family, and/or
pribadi, keluarga, dan/atau pihak lain other parties' interests;
14. Tidak mengambil dan/atau menerima keuntungan 14. Not taking and/or receiving personal benefits from
pribadi dari Bank the Bank;
15. Intervensi pemilik terhadap pelaksanaan tugas 15. Owner's intervention in the implementation of the
Direksi duties of the Board of Directors;
16. Kebijakan Manajemen Risiko dan strategi kerangka 16. Written and comprehensive Risk Management Policy
Manajemen Risiko secara tertulis dan komprehensif and Risk Management framework strategy;
17. Ketersediaan prosedur dan alat untuk 17. Availability of procedures and tools to identify,
mengidentifikasi, mengukur, memonitor, dan measure, monitor, and control Risks;
mengendalikan Risiko
18. Evaluasi dan/atau pengkinian kebijakan strategi dan 18. Evaluation and/or updating of Risk Management
kerangka Manajemen Risiko strategy and framework policies;
19. Pelaksanaan kebijakan Manajemen Risiko dan 19. Implementation of Risk Management policies and Risk
eksposur Risiko exposures;
20. Mekanisme persetujuan transaksi, termasuk yang 20. Transaction approval mechanism, including those
melampaui limit dan kewenangan that exceed the limit and authority;
21. Evaluasi dan keputusan atas transaksi yang 21. Evaluation and decision on transactions that require
memerlukan persetujuan Direksi the approval of the Board of Directors;
22. Pengembangan budaya Manajemen Risiko pada 22. Development of Risk Management culture at all levels
seluruh jenjang organisasi of the organization;
23. Independensi fungsi manajemen risiko 23. Independence of risk management function;
24. Penyusunan Rencana Bisnis Bank yang terukur 24. Preparation of a measurable Bank Business Plan with
dengan memperhatikan prinsip kehati-hatian due regard to prudential principles;
25. Komunikasi atas Rencana Bisnis Bank kepada 25. Communication of the Bank's Business Plan to
Pemegang Saham dan seluruh jenjang organisasi Shareholders and all levels of the organization.

Aspek
Indikator Indicator
Aspect
Governance 1. Pertanggungjawaban tugas Direksi kepada pemegang 1. Accountability of the Board of Directors' duties to the
Outcome saham/RUPS shareholders/RUPS;
2. Pemegang saham menerima pertanggungajawaban 2. Shareholders accept the accountability of the Board
Direksi di RUPS of Directors in the GMS;
3. Pengungkapan kebijakan-kebijakan strategis bank di 3. Disclosure of the Bank's strategic policies related to
bidang kepegawaian employment;
4. Komunikasi kepada seluruh karyawan mengenai arah 4. Communication to all employees regarding the Bank's
bisnis/visi misi Bank business direction/vision and mission;
5. Dokumentasi rapat Direksi 5. Documentation of Board of Directors meetings;
6. Pengungkapan informasi penting Direksi pada 6. Disclosure of important information of the Board of
laporan pelaksanaan GCG Directors in the GCG implementation report;
7. Peningkatan pengetahuan, keahlian, dan kemampuan 7. Improvement of knowledge, expertise, and
anggota Direksi capabilities of members of the Board of Directors;
8. Peningkatan pengetahuan, keahlian, dan kemampuan 8. Improvement of knowledge, skills, and abilities of all
dari seluruh karyawan Bank Bank employees;
9. Peningkatan budaya pembelajaran secara 9. Continuous improvement of learning culture;
berkelanjutan
10. Pengawasan secara aktif terhadap pelaksanaan 10. Active monitoring of the implementation of Risk
kebijakan dan strategi Manajemen Risiko Management policies and strategies;
11. Adanya gangguan/kerugian akibat intervensi pemilik 11. Disruption/loss due to owner intervention in the
terhadap tugas Direksi 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 Assessment

Metode penilaian ialah self-assesssment yang dilakukan oleh The assessment method is self-assessment conducted by the
Direksi sendiri dan dibantu oleh fungsi terkait. Board of Directors itself and assisted by related functions.

Hasil penilaian self-assessment yang telah dilaksanakan pada The results of the self-assessment assessment that was
semester I dan II tahun 2022 dari aspek Governance Structure, carried out in the first and second semesters of 2022 from
Governance Process, dan Governance Outcome pada Dewan the aspects of Governance Structure, Governance Process,
Komisaris adalah sebagai berikut: and Governance Outcome on the Board of Commissioners
are as follows:
1. Terdapat 3 (tiga) orang anggota Direksi Bank Muamalat 1. 3 (three) members of the Board of Directors of Bank
yang telah lulus Penilaian Kemampuan dan Kepatutan Muamalat have passed the Fit and Proper Assessment
(PKK) oleh Otoritas Jasa Keuangan. (PKK) by the Financial Services Authority.
2. Jumlah dan komposisi anggota Direksi Bank Muamalat 2. The number and composition of members of the Board
telah sesuai dengan ketentuan. of Directors of Bank Muamalat are in accordance with
the provisions.
3. Tidak terdapat anggota Direksi yang memiliki rangkap 3. No members of the Board of Directors have concurrent
jabatan. positions.
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 between members of the Board of Directors and
Direksi dengan Dewan Komisaris. members of the Board of Directors with 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 adequate competence, are relevant to their
menjalankan tugas dan tanggung jawabnya serta mampu positions to carry out their duties and responsibilities,
mengimplementasikan kompetensi yang dimilikinya and can implement their competencies in carrying out
dalam pelaksanaan tugas dan tanggung jawabnya. their duties and responsibilities.
6. Direksi telah memiliki pedoman (board manual) dalam 6. The Board of Directors has a board manual for carrying
pelaksanaan tugas dan tanggung jawabnya sesuai out its duties and responsibilities according to its function
fungsinya.
7. Pengangkatan dan/atau penggantian anggota Direksi 7. The appointment and/or replacement of members of the
Bank Muamalat telah sesuai dengan ketentuan dan Board of Directors of Bank Muamalat is in accordance
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 from
dan bertanggung jawab penuh atas pelaksanaan shareholders and is fully responsible for implementing
kepengurusan Bank berdasarkan prinsip kehati-hatian the Bank's management based on prudential principles
dan prinsip syariah. and sharia principles.
9. Dalam rangka mendukung tugas dan tanggung jawabnya, 9. To support its duties and responsibilities, the Board of
Direksi telah membentuk 4 (empat) komite tingkat Directors has established 4 (four) Board of Directors level
Direksi yaitu Risk Management Committee, IT Steering committees: Risk Management Committee, IT Steering
Committee, ALCO, dan Human Capital Committee. Committee, ALCO, and 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 risks.
12. Direksi secara berkesinambungan telah melakukan 12. The Board of Directors has continuously made efforts
upaya-upaya dalam memperbaiki kinerja Bank dengan to improve the Bank's performance with due regard to
memperhatikan aspek kehati-hatian dan tata kelola yang prudential aspects and good governance.
baik.
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 employment and
dan mengkomunikasikan kepada pegawai mengenai communicated to employees about the Bank's business
arah bisnis Bank dalam rangka pencapaian misi dan visi direction to achieve the Bank's mission and vision.
Bank.
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 levels 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 e-mail
lain e-mail blast, podcast, video, pelatihan, kuis dan nilai blasts, podcasts, videos, training, quizzes, and corporate
budaya perusahaan. culture values.
16. Direksi juga telah mengembangkan budaya kepatuhan 16. The Board of Directors has also developed a culture
pada seluruh jenjang organisasi, melalui antara lain of compliance at all levels of the organization through
e-mail blast dan podcast. e-mail blasts and podcasts.
Rekomendasi Hasil Penilaian Recommendation of Assessment Result

Proses Penilaian Kemampuan dan Kepatutan atas 2 (dua) The Fit and Proper Assessment process for 2 (two) members
orang anggota Direksi yang belum efektif menjabat sebagai of the Board of Directors who have yet to effectively serve as
Direksi perlu terus dilakukan. Selain itu perlu dilakukannya Directors needs to be continued. In addition, it is necessary
penyesuaian komposisi anggota Komite Tingkat Direksi to adjust the composition of the members of the Board of
sesuai dengan hasil keputusan RUPSLB tanggal 24 Juni Directors Level Committee in accordance with the results
2022 dan RUPSLB tanggal 29 November 2022 mengenai of the EGMS decision dated June 24, 2022, and EGMS dated
perubahan susunan anggota pengurus Perseroan. November 29, 2022, regarding changes in the composition of
the Company's management.

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
Tata kelola remunerasi Bank Muamalat mengacu pada Bank Muamalat's remuneration governance refers to the
peraturan Otoritas Jasa Keuangan No. 59/POJK.03/2017 Financial Services Authority regulation No. 59/POJK.03/2017
tentang Penerapan Tata Kelola dalam Pemberian concerning the Implementation of Governance in Providing
Remunerasi bagi Bank Umum Syariah dan Unit Usaha Remuneration for Sharia Commercial Banks and Sharia
Syariah yang kemudian diturunkan ke dalam Surat Business Units, which is then derived into Decree No.
Keputusan No. 50/R/DIR-KPTS/XI/2018 tentang Tata Kelola 50/R/DIR-KPTS/XI/2018 concerning the Governance of
Pemberian Remunerasi PT Bank Muamalat Indonesia Tbk Remuneration of PT Bank Muamalat Indonesia Tbk which
yang ditandatangani bersama oleh Komisaris Utama dan was jointly signed by the President Commissioner and
Direktur Utama pada tanggal 12 November 2018. President Director on November 12, 2018.
Kebijakan Remunerasi Remuneration Policy

Kebijakan remunerasi yang diimplementasikan oleh Bank The remuneration policy implemented by the Bank aims to:
bertujuan untuk:
1. Memastikan kesesuaian pemberian remunerasi dengan 1. Ensure the suitability of remuneration with sharia
prinsip syariah. principles.
2. Mengatur proses dan pendekatan guna menentukan 2. Regulate the process and approach to determine
remunerasi bagi seluruh Direksi, Dewan Komisaris remuneration for all Directors, Board of Commissioners,
dan karyawan berdasarkan jenis pekerjaan, prestasi and employees based on the type of work, individual
kerja individu, kontribusi kepada Bank, kewajaran work performance, contribution to the Bank, fairness
dengan dengan peer group dalam industri Bank, serta with peer groups in the Bank's industry, as well as the
performance dan kemampuan Bank. Bank's performance and capabilities.
3. Peningkatan tata kelola yang baik dalam pemberian 3. Improvement of good governance in terms of
remunerasi remuneration.
Dalam menjalankan kebijakan remunerasi, Bank Muamalat In implementing the remuneration policy, Bank Muamalat
senantiasa memperhatikan peraturan perundangan always pays attention to applicable laws and regulations,
yang berlaku, seperti upah minimum provinsi atau such as provincial minimum wage or city/regency minimum
upah minimum kota/kabupaten. Bank Muamalat juga wage. Bank Muamalat also reviews remuneration policies
mengkaji ulang kebijakan remunerasi secara berkala periodically by considering the results of market analysis
dengan memperhatikan hasil analisis market dengan peer with the Bank's industry peer group, individual contributions
group industri Bank, kontribusi individual kepada Bank, to the Bank, performance, and the Bank's ability so that the
performance serta kemampuan Bank sehingga kelangsungan Bank's business continuity can be maintained.
usaha bank dapat terjaga.
Cakupan Kebijakan dan Implementasinya Policy Scope and Its Implementation

Kebijakan pemberian remunerasi pada Bank Muamalat The policy for providing remuneration at Bank Muamalat
mempertimbangkan terciptanya manajemen risiko yang takes into account the creation of effective risk management,
efektif, stabilitas keuangan, kecukupan dan penguatan financial stability, adequacy and strengthening of capital,
permodalan, kebutuhan likuiditas dan potensi pendapatan liquidity requirements and potential income of the Bank as
Bank serta kesesuaian dengan prinsip syariah. Bank well as conformity with sharia principles. Bank Muamalat
Muamalat mengimplementasikan kebijakan remunerasi implements a remuneration policy that covers all levels of
yang mencakup seluruh jajaran organisasi Bank, termasuk the Bank's organization, including the Sharia Supervisory
Dewan Pengawas Syariah, Dewan Komisaris, Direksi dan Board, Board of Commissioners, Directors and employees in
karyawan selaras dengan ketentuan perundang-undangan accordance with applicable laws and regulations.
yang berlaku.

Kebijakan remunerasi Bank Muamalat Indonesia mengacu Bank Muamalat Indonesia's remuneration policy refers to
pada prinsip syariah sebagai berikut: sharia principles as follows:
• Pemberian remunerasi harus mempertimbangkan • Provision of remuneration must consider fairness in
kewajaran dalam harga pasar di industri sejenis dan market prices in similar industries and in accordance
sesuai dengan kompetensi dan kinerja karyawan. with the competence and performance of employees.
• Pemberian remunerasi pada awal karyawan bergabung • The provision of remuneration when employees join
harus disepakati dan tercantum dalam sebuah kontrak must be agreed upon and stated in a work contract that
kerja yang menganut asas konsensus. adheres to the principle of consensus.
• Pemberian remunerasi harus didasari kesadaran • Remuneration must be based on a shared awareness
bersama bahwa bekerja merupakan bagian dari that work is part of pursuing the pleasure of Allah SWT.
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 Associated with Risk

Bank Muamalat menerapkan kebijakan dan strategi Bank Muamalat implements policies and strategies for
pemberian remenerasi dengan mempertimbangkan potensi providing remuneration by considering the potential risks
risiko yang akan timbul dengan tetap memperhatikan prinsip that will arise while taking into account the precautionary
kehati-hatian. Bank Muamalat telah mengkategorikan pihak- principle. Bank Muamalat has categorized parties who
pihak yang menjadi Material Risk Takers (MRT) berdasarkan become Material Risk Takers (MRT) based on certain
pertimbangan tertentu sesuai dengan potensi risiko considerations in accordance with the potential risks that
yang timbul atas suatu jabatan yang dimiliki. Dalam hal arise from a position held. In the event of a risk arising from
terjadi risiko akibat keputusan yang diambil, maka Bank a decision taken, Bank Muamalat has the right to postpone
Muamalat berhak untuk menunda pembayaran atau tidak payment or not pay variable remuneration that has not been
membayarkan remunerasi yang bersifat variable yang belum paid to the party that has been designated as MRT.
dibayarkan kepada pihak yang telah ditetapkan sebagai MRT.
Pengukuran Kinerja Terkait Remunerasi Performance Measurement Related to

Remuneration
Bank Muamalat memiliki Performance Management System Bank Muamalat has a Performance Management System
(PMS) dalam pengukuran kinerja terkait remunerasi. Metode (PMS) in measuring performance related to remuneration.
PMS ialah metode pengukuran kinerja individu dan jenis The PMS method is a method of measuring individual
risiko sesuai skala dan kompleksitas usaha Bank. Adapun performance and types of risk according to the scale
Penilaian kinerja individu ditentukan melalui target atau and complexity of the Bank's business. The individual
Most Important Goals (MIG) yang telah ditentukan pada awal performance assessment is determined through the targets
tahun buku serta peninjauan pencapaian pada akhir tahun or Most Important Goals (MIG) that have been determined
buku. at the beginning of the financial year and review of
achievements at the end of the financial year.
Hasil dari penilaian MIG kemudian dijadikan dasar dalam The results of the MIG assessment are then used as the basis
peninjauan remunerasi yang dilakukan secara berkala setiap for a remuneration review which is carried out periodically
tahun dengan memperhatikan kinerja individu karyawan, every year by taking into account the performance of
posisi upah terhadap struktur upah (salary) serta kinerja dan individual employees, the position of wages in relation to
kemampuan Bank. the wage structure (salary) as well as the performance and
capabilities of the Bank.
Penyesuaian Remunerasi Dikaitkan dengan Remuneration Adjustment Linked to Performance

Kinerja dan Risiko and Risk
Prinsip kehati-hatian senantiasa diimplementasikan oleh The precautionary principle is always implemented by
Bank Muamalat dalam memberikan remunerasi, baik Bank Muamalat in providing remuneration, both fixed and
remunerasi yang bersifat tetap maupun yang bersifat variable remuneration. Variable remuneration for members
variabel. Remunerasi bersifat variabel bagi anggota Direksi, of the Board of Directors, Board of Commissioners,
Dewan Komisaris, anggota Dewan Pengawas Syariah members of the Sharia Supervisory Board is determined
ditetapkan berdasarkan persetujuan Komite Nominasi based on the approval of the Nomination and Remuneration
dan Remunerasi. Sedangkan penetapan remunerasi bagi Committee. Meanwhile, the determination of remuneration

karyawan yang bersifat variabel didasarkan pada persetujuan for employees that is variable is based on the approval of the
Direksi terkait. Selanjutnya, pengawasan karyawan pada unit relevant Directors. Furthermore, supervision of employees in
kerja dilakukan sesuai dengan kinerja individu dengan tetap work units is carried out according to individual performance
memperhatikan objektivitas dan independensi. while still paying attention to objectivity and independence.
Penerapan manajemen risiko remunerasi terwujud pada The implementation of remuneration risk management at
diberlakukannya ketentuan terkait pemberian remunerasi was realized in the enactment of provisions related to the
yang bersifat variabel kepada Material Risk Takers. granting of variable remuneration to Material Risk Takers.
Konsultan Terkait Remunerasi Consultants on Remuneration

Konsultan Willis Tower Watson ialah konsultan yang dipilih The Willis Tower Watson consultant is the consultant selected
oleh Bank Muamalat untuk mendapatkan data market peer by Bank Muamalat to obtain market peer group data. The
group. Data tersebut diperoleh melalui survei yang diikuti data was obtained through a survey which was attended
oleh sebagian besar industri perbankan di Indonesia yang by most of the banking industry in Indonesia, which is the
menjadi market peer group. Data statistik dari konsultan market peer group. Statistical data from the consultant is
tersebut kemudian digunakan sebagai referensi peninjauan then used as a reference for reviewing fixed remuneration
remunerasi bersifat tetap dan pemberian remunerasi and variable remuneration.
bersifat variabel.
Paket Remunerasi dan Fasilitas yang diterima oleh Remuneration Packages and Facilities Received
Direksi, Dewan Komisaris, dan Dewan Pengawas by Directors, Board of Commissioners, and Sharia
Syariah Supervisory Board
Tabel Paket Remunerasi dan Fasilitas yang Diterima Table of Remuneration Packages and Facilities Received
oleh Direksi, Dewan Komisaris, dan Dewan Pengawas by the Board of Directors, Board of Commissioners and
Syariah Sharia 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 Orang Jutaan Orang Jutaan

Person Million (Rp) Person Million (Rp) Person Million (Rp)
Gaji, bonus, tunjangan rutin, tantiem, dan fasilitas 9 25.138,34 12 7.756,44 3 1.055,34
lain dalam bentuk non natura
Salary, bonuses, routine allowances, tantiem, and
other facilities in kind
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.) that:
a. can be owned; and/or
b. cannot be owned.
Total*) 9 25.138,34 12 7.756,44 3 1.055,34
*)
Nilai adalah jumlah total remunerasi yang diterima selama 2022
Value is the total amount of remuneration received during 2022

Tabel Paket Remunerasi yang Dikelompokkan dalam Table of Remuneration Package Based on the Income
Tingkat Penghasilan yang Diterima oleh Direksi, Dewan Level Received by Directors, Commissioners, and Sharia
Komisaris, dan Dewan Pengawas Syariah dalam 1 (Satu) Supervisory Board in 1 (One) Year
Tahun
Jumlah Anggota
Jumlah Anggota Dewan
Direksi Jumlah Anggota DPS
Jenis Remunerasi per Orang dalam 1 (satu) Tahun Komisaris
Number of Members Number of DPS
Type of Remuneration per Person in 1 (one) Year Number of Board Members
of the Board of Members
Commissioner
Directors
> Rp2 miliar 6 -
> Rp2 billion
Rp1 miliar-Rp2 miliar 1 3
Rp1 billion-Rp2 billion
Rp500 juta-Rp1 miliar 3 3
Rp500 million-Rp1 billion
≤ Rp500 juta 2 6 3
≤ Rp500 million
Jabatan dan Jumlah Pihak yang Dijadikan Material Position and Number of Parties Appointed as
Risk Taker Material Risk Taker
Dalam menetapkan posisi/jabatan yang termasuk ke dalam In determining the position included in the MRT category,
kategori MRT, Bank Muamalat mengacu kepada ketentuan Bank Muamalat refers to the provisions of the Financial
Peraturan Otoritas Jasa Keuangan Nomor 59/POJK.03/2020 Services Authority Regulation Number 59/POJK.03/2020
tentang Persyaratan dan Tata Cara Pemisahan Unit Usaha concerning Requirements and Procedures for Separation of
Syariah. Adapun yang termasuk dalam MRT adalah: Sharia Business Units. Those included in the MRT are:
• Dewan Komisaris • Board of Commissioners
• Direksi • Board of Directors
• Pejabat setingkat Chief • Chief-level officials
• Karyawan yang mendapatkan remunerasi yang bersifat • Employees who receive 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 2022, Bank Muamalat Indonesia tidak In 2022, Bank Muamalat Indonesia did not issue a share
menerbitkan program share option untuk Dewan Pengawas option program for the Sharia Supervisory Board, Board of
Syariah, Dewan Komisaris, Direksi, dan karyawan Bank Commissioners, Board of Directors, and employees of Bank
Muamalat. Muamalat.
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Rasio gaji tertinggi dan terendah sesuai grade maksimum The highest and lowest salary ratio according to the
masing-masing karyawan di Bank Muamalat Indonesia maximum grade of each employee in Bank Muamalat
adalah sebagai berikut: Indonesia is as follows:
Rasio Gaji Tertinggi : Terendah 25,2 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 2,2 Highest Salary Ratio of Directors : Highest Employee

Jumlah Remunerasi Variabel yang Ditangguhkan Total Deferred Variable Remuneration

Sepanjang tahun 2022, Bank Muamalat tidak memberikan During the year, Bank Muamalat did not provide any granted
remunerasi yang bersifat variabel yang diberikan dan or deferred variable remuneration.
ditangguhkan.
Keterangan (Rp)
Remunerasi yang Bersifat Tetap Fixed Remuneration
Description
Tunai 131.385.579.436 Cash
Saham/Instrumen yang Berbasis Saham yang Diterbitkan Nihil Stock/Instrument based on Shares Issued by the Bank
Bank
Remunerasi yang Bersifat Variabel Nihil Variable Remuneration
Tunai Nihil Cash
Saham/Instrumen yang Berbasis Saham yang Diterbitkan Nihil Stock/Instrument based on Shares Issued by the Bank
Bank
Informasi Kuantitatif Quantitative Information

Informasi kuantitatif untuk MRT adalah sebagai berikut: The quantitative information for MRT is as follows:
1. Total sisa Remunerasi yang masih ditangguhkan, baik 1. Total remaining deferred remuneration, both exposed to
yang terekspos penyesuaian implisit maupun eksplisit; implicit and explicit adjustments;
2. Total pengurangan Remunerasi yang disebabkan karena 2. Total reduction in Remuneration due to explicit
penyesuaian eksplisit selama periode laporan; dan adjustments during the reporting period; and
3. Total pengurangan Remunerasi yang disebabkan karena 3. Total reduction in Remuneration due to implicit
penyesuaian implisit selama periode laporan. adjustments during the reporting period.
Total Pengurangan Selama Periode Laporan

Total Reduction During the Reporting Period
Sisa yang Masih
Jenis Remunerasi yang Bersifat Variabel Disebabkan Disebabkan
Ditangguhkan
Type of Remuneration that is Variable Penyesuaian Penyesuaian
Remaining Deferred
Eksplisit (A) Implisit (B) Total (A)+(B)
Due to Explicit Due to Explicit
Adjustment (A) Adjustment (B)
Tunai (Rp juta) Nihil Nihil Nihil Nihil

Cash (Rp million)
Saham/Instrumen yang berbasis saham yang Nihil Nihil Nihil Nihil
diterbitkan Bank (dalam lembar saham dan
nominal juta rupiah) yang merupakan konversi
dari lembar saham tersebut.
Shares/Share-based instruments issued by the
Bank (in shares and nominal million rupiah)
which are conversion of shares.

Rapat Dewan Pengawas Syariah, Dewan

Komisaris, dan Direksi
Meeting of the Sharia Supervisory Board, the Board of
Commissioners, and the Board of Directors
RAPAT DEWAN PENGAWAS SYARIAH MEETING OF SHARIA SUPERVISORY BOARD
Kebijakan Rapat Meeting Policy

Penyelenggaraan rapat Dewan Pengawas Syariah Bank Sharia Supervisory Board of Bank Muamalat holds meetings
Muamalat mengacu pada Peraturan Bank Indonesia No. based on Bank Indonesia Regulation No. 11/33/PBI/2009
11/33/PBI/2009 tentang Pelaksanaan Good Corporate concerning the Implementation of Good Corporate
Governance bagi Bank Umum Syariah dan Unit Usaha Governance for Sharia Commercial Banks and Sharia
Syariah dan Board Manual Bank Muamalat Indonesia serta Business Units, the Bank Muamalat Indonesia Board Manual,
Pedoman Kerja Dewan Pengawas Syariah. Rapat Dewan and the Sharia Supervisory Board Work Guidelines. Sharia
Pengawas Syariah dilaksanakan paling sedikit 1 (satu) kali Supervisory Board holds meetings at least once a month.
dalam 1 (satu) bulan.
Pengambilan keputusan pada rapat Dewan Pengawas Decision-making in the Sharia Supervisory Board meetings
Syariah dilaksanakan berdasarkan musyawarah mufakat. is based on deliberation to reach a consensus. In case there
Apabila dalam proses pengambilan keputusan terdapat is dissent in the decision-making process, it can be stated in
perbedaan pendapat, maka perbedaan pendapat the minutes of the meeting along with the reasons. Meetings
tersebut dapat dicantumkan dalam risalah rapat beserta of the Sharia Supervisory Board that are specifically
alasannya. Adapun, rapat Dewan Pengawas Syariah untuk implemented to issue Sharia opinions for both products and
mengeluarkan opini syariah baik untuk produk maupun activities must be attended to and decided by all members.
aktivitas harus dihadiri dan diputuskan oleh seluruh anggota
Dewan Pengawas Syariah.
Rapat Dewan Pengawas Syariah terbagi menjadi Rapat Sharia Supervisory Board Meeting then divides the types of
Internal Dewan Pengawas Syariah dan Rapat Dewan Sharia Supervisory Board Meetings, consisting of Internal
Pengawas Syariah bersama organ Bank Muamalat Indonesia Sharia Supervisory Board Meetings and Sharia Supervisory
dan/atau bersama Sharia Compliance. Rapat Dewan Board Meetings with Bank Muamalat Indonesia organs
Pengawas Syariah tersebut diadakan di tempat kedudukan and/or with Sharia Compliance. The meeting of the Sharia
Bank Muamalat Indonesia atau di tempat lain dalam wilayah Supervisory Board is held at the domicile of Bank Muamalat
Republik Indonesia, pemanggilan rapatnya dilakukan oleh Indonesia or elsewhere within the Republic of Indonesia
Ketua atau oleh salah seorang anggota Dewan Pengawas territory. Invitation for Sharia Supervisory Board Meeting
Syariah atau Sharia Compliance yang bertindak sebagai is carried out by the Chairman or a member of the Sharia
liaison officer. Risalah rapat yang memuat hasil rapat Supervisory Board or Sharia Compliance acting as a liaison
Dewan Pengawas Syariah wajib didokumentasikan dengan officer. The results of the Sharia Supervisory Board meetings
baik. Seluruh keputusan Dewan Pengawas Syariah yang must be stated in the minutes of the meeting and properly
dituangkan dalam risalah rapat tersebut merupakan documented. All decisions of the Sharia Supervisory Board,
keputusan bersama seluruh anggota Dewan Pengawas as outlined in the minutes of the meeting, are joint decisions
Syariah. of all members of the Sharia Supervisory Board.
Materi-materi yang dibahas dalam rapat Dewan Pengawas Materials discussed in the Sharia Supervisory Board
Syariah sesuai Board Manual Bank Muamalat Indonesia meetings according to the Bank Muamalat Indonesia Board
antara lain: Manual include the following:
1. Hal-hal yang berkaitan dengan pengembangan produk 1. Matters related to the development of new products
baru dan hasil review produk yang telah ada antara lain and the review results of the existing product, including
mengenai tujuan, karakteristik dan akad yang digunakan regarding the objectives, characteristics, and contracts
sesuai dengan prinsip syariah. used following the sharia principles.

2. Pengajuan aktivitas baru dan review aktivitas Bank yang 2. Submission of new activities and review of the existing
telah berjalan dari aspek syariah. Bank activities from the sharia aspect
3. Permasalahan yang timbul akibat aktivitas Bank yang 3. Issues arising from the Bank’s activities require an
membutuhkan opini dari Dewan Pengawas Syariah. opinion from 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 2022, Dewan Pengawas Syariah telah During the 2022 fiscal year, the Sharia Supervisory Board
menggelar rapat sebanyak 12 (dua belas) kali dengan rincian held 12 (twelve) meetings with the following details:
sebagai berikut:
Peserta Dewan Pengawas

Peserta Direksi
Tanggal Agenda Rapat Syariah
No Board of Directors
Date Meeting Agenda Sharia Supervisory Board
Participants
Participants
1. Jum’at, 24 Januari 2022 Rencana Usulan Agenda DPS BMI Tahun 2022 • Drs. H. Sholahudin Al-Aiyub, Andri Donny*)
Friday, January 24, BMI SSB Agenda Proposal Plan for 2022 M.Si
2022 • Hj. Siti Haniatunnisa, LLB, MH
• Dr. H. Agung Danarto, M.Ag.
2 Senin, 21 Februari 2022 Pembahasan Lanjutan Penggunaan Akad dalam • Drs. H. Sholahudin Al-Aiyub, Andri Donny*)
Monday, February 21, Pembiayaan Pengurusan Pendaftaran Ibadah Haji M.Si
2022 Khusus • Hj. Siti Haniatunnisa, LLB, MH
Advanced Discussion on the Use of Contracts • Dr. H. Agung Danarto, M.Ag.
in Financing the Management of Special Hajj
Registration
3 Senin, 28 Maret 2021 1. Update Tindak Lanjut Hasil Rapat DPS • Drs. H. Sholahudin Al-Aiyub, Andri Donny*)
Monday, March 28, Terkait Pemberian Nisbah Tiering Pada Akad M.Si
2021 Mudharabah • Hj. Siti Haniatunnisa, LLB, MH
2. Permohonan Penjelasan Syariah terkait Biaya • Dr. H. Agung Danarto, M.Ag.
Non Operasional Pada Hadiah Komitmen
3. Laporan Konsultasi Syariah Januari - Maret 2022
1. Update on the Follow-up of SSB Meeting Results
Related to the Provision of Nisbah Tiering in
Mudharabah Agreements.
2. Request for Sharia Explanation related to Non-
Operating Expenses on Commitment Rewards
3. Sharia Consultation Report January - March
2022
4 Rabu, 20 April 2022 1. Laporan Financial Highlight Triwulan I • Drs. H. Sholahudin Al-Aiyub, Andri Donny*)
Wednesday, April 20, 2. Pembahasan Lanjutan Prosedur Syariah Dalam M.Si
2022 Akad Pembiayaan (SOP Akad)0020 • Hj. Siti Haniatunnisa, LLB, MH
1. First Quarter Financial Highlights Report • Dr. H. Agung Danarto, M.Ag.
2. Advanced Discussion of Sharia Procedures in
the Financing Contract (SOP Contract)
5 Senin, 23 Mei 2022 1. Permohonan Opini DPS atas Layanan Tarik • Drs. H. Sholahudin Al-Aiyub, Andri Donny*)
Monday, May 23, 2022 Tunai Tanpa Kartu di Merchant Via Muamalat M.Si
DIN • Hj. Siti Haniatunnisa, LLB, MH
2. Permohonan Opini DPS terkait Penjualan • Dr. H. Agung Danarto, M.Ag.
Cessie Melalui Skema Subrogasi Syariah
1. Application for SSB Opinion on Cardless Cash
Withdrawal Service at Merchant Via Muamalat
DIN
2. Application for SSB Opinion related to Cessie
Sale via Sharia Subrogation Scheme
6 Senin, 20 Juni 2021 1. Permohonan Opini DPS atas Pembiayaan Kos- • Drs. H. Sholahudin Al-Aiyub, Andri Donny*)
Monday, June 20, 2021 Kosan M.Si
2. Permohonan Opini DPS atas Pembiayaan Villa • Hj. Siti Haniatunnisa, LLB, MH
1. Application for SSB Opinion on boarding house • Dr. H. Agung Danarto, M.Ag.
Financing
2. Application for SSB Opinion on Villa Financing


Peserta Direksi
Participants
Participants
7 Kamis, 21 Juli 2022 1. Permohonan Opini DPS atas Reward Program • Drs. H. Sholahudin Al-Aiyub, Karno
Thursday, July 21, 2022 Bundling Penjualan Sukuk dan Top Up Dana M.Si
2. Permohonan Opini DPS atas Program Hadiah • Hj. Siti Haniatunnisa, LLB, MH
Promosi BMI • Dr. H. Agung Danarto, M.Ag.
3. Permohonan Opini DPS atas Pembiayaan
Nasabah
4. Permohonan Opini DPS atas Persetujuan
Penggunaan Dana Yang Tidak boleh Diakui
Sebagai Pendapatan (TBDSP)
1. Application for SSB Opinion on Reward
Program Bundling of Sukuk Sales and Top Up
Funds
2. Application for SSB Opinion on BMI
Promotional Reward Program
3. Application for SSB Opinion on Customer
Financing
4. Application for SSB Opinion on Approval of the
Use of Funds That Should Not Be Recognized as
Income (TBDSP)
8 Jum'at 26 Agustus 2022 1. Laporan Konsultasi Syariah Compliance Bulan • Drs. H. Sholahudin Al-Aiyub, Karno
Friday, August 26, 2022 April - Juli 2022 M.Si
2. Rencana Pelaksanaan Uji Petik DPS 2022 • Hj. Siti Haniatunnisa, LLB, MH
1. Sharia Compliance Consultation Report for April • Dr. H. Agung Danarto, M.Ag.
- July 2022
2. SSB Petition Test Implementation Plan in 2022
9 Senin, 19 September 1. Permohonan Opini DPS atas Produk Asuransi & • Drs. H. Sholahudin Al-Aiyub, Karno
2022 Bancasurrance M.Si
Monday, September 2. Permohonan Opini DPS atas Pembukaan • Hj. Siti Haniatunnisa, LLB, MH
19, 2022 Rekening Online • Dr. H. Agung Danarto, M.Ag.
3. Permohonan Opini DPS atas Restruktur Fasilitas
Sesuai Putusan Homologasi PT. Sri Rejeki
Isman, Tbk
4. Permohonan Opini DPS atas Ketentuan
Pembiayaan Akad Bagi Hasil Musyarakah dan
Mudharabah
1. Application for SSB Opinion on &
Bancasurrance Insurance Products
2. Application for DPS Opinion on Online Account
Opening
3. Application for SSB Opinion on Facility
Restructure in line with the Homologation
Decision of PT Sri Rejeki Isman, Tbk.
4. Application for SSB Opinion on the Provision
of Financing of Musyarakah and Mudharabah
Profit Sharing Agreements
10 Selasa, 18 Oktober 1. Permohonan Opini DPS atas Penentuan Pricing • Drs. H. Sholahudin Al-Aiyub, Karno
2022 Nasabah Menggunakan JIBOR/LIBOR M.Si
Tuesday, October 18, 2. Pelaporan Deposito Income Smoothing-Retail • Hj. Siti Haniatunnisa, LLB, MH
2022 Banking Q3 tahun 2022 • Dr. H. Agung Danarto, M.Ag.
3. Permohonan Opini DPS atas RO Project Produk
asuransi Model Bisnis Distribusi
1. Application for SSB Opinion on Customer
Pricing Using JIBOR/LIBOR
2. Report on Deposit Income Smoothing-Retail
Banking for Q3/2022
3. Application for SSB Opinion on RO Project of
insurance Distribution Business Model
11 Senin, 21 November 1. Permohonan Opini DPS atas Penggunaan • Drs. H. Sholahudin Al-Aiyub, Karno
2022 Asuransi Non Syariah pada Pembiayaan. M.Si
Monday, November 2. Laporan Konsultasi Syariah Periode Agustus – • Dr. H. Agung Danarto, M.Ag.
21, 2022 November 2022
1. Application for SSB Opinion on the Use of Non
Sharia Insurance in the Financing.
2. Sharia Consultation Report August - November
2022


Peserta Direksi
Participants
Participants
12 Kamis, 15 Desember 1. Laporan Internal Audit atas Ketidakpatuhan • Drs. H. Sholahudin Al-Aiyub, • Indra Falatehan
2022 Syariah M.Si • Wahyu Avianto
Thursday, December 2. Permohonan Opini DPS atas Penggunaan • Dr. H. Agung Danarto, M.Ag. • Karno
15, 2022 Asuransi Konvensional
3. Permohonan Persetujuan DPS atas
Perpanjangan Income Smoothing Retail banking
2023
4. Laporan Kepada DPS atas Pengaduan Nasabah/
Complaint Handling
1. Internal Audit Report on Sharia Non-
Compliance
2. Application for SSB Opinion on the Use of
Conventional Insurance
3. Application for SSB Approval on the Extension
of Income Smoothing Retail banking 2023.
4. Report to SSB on Customer Complaints/
Complaint Handling
*)
Telah berhenti menjabat sesuai keputusan RUPSLB tanggal 24 Juni 2022
Dismissed based on EGMS resolution on June 24, 2022
Frekuensi Rapat dan Tingkat Kehadiran Dewan Meeting Frequency and Attendance Rate of the
Pengawas Syariah Sharia Supervisory Board
Jumlah Rapat Jumlah Kehadiran
Nama Jabatan
No Number of Number of
Name Position
Meetings Attendance
1 Drs. H. Sholahudin Al Aiyub, M.Si Ketua 12 12
Chairman
2 Hj. Siti Haniatunnisa,LLB., MH Anggota 12 10
Member
3 Dr. H. Agung Danarto, M.Ag Anggota 12 12
Member
RAPAT DEWAN KOMISARIS MEETING OF THE BOARD OF COMMISSIONERS

Kebijakan rapat Dewan Komisaris mengacu pada ketentuan The Board of Commissioners meeting policy referred to
Peraturan OJK Nomor 33/POJK.05/2014, Anggaran Dasar the provisions of FSA Regulation No. 33/POJK.05/2014, the
Perseroan dan Board Manual Bank Muamalat Indonesia. Company's Articles of Association, and the Board Manual
dimana rapat Dewan Komisaris diselenggarakan paling of Bank Muamalat Indonesia. The Board of Commissioners
sedikit sebanyak 1 (satu) kali dalam 2 (dua) bulan. holds meeting at least 1 (one) time in 2 (two) months.
Dewan Komisaris memiliki Sekretaris Dewan Komisaris The Board of Commissioners has The Secretary to the
yang bertugas untuk mengatur rapat, menyiapkan agenda Board of Commissioners in charge of arranging meetings,
dan materi hingga pencatatan risalah rapat. Risalah rapat starting from preparing agendas and materials to recording
tersebut berfungsi sebagai bukti yang sah untuk para minutes of meetings as valid evidence for the Board of
anggota Dewan Komisaris apabila terjadi dissenting opinions Commissioners members in the event of dissenting opinions
dan sebagai dokumentasi untuk pihak ketiga mengenai and as documentation for the third parties regarding
keputusan yang diambil dalam rapat. decisions taken at the meeting.

Hingga akhir Tahun Buku 2022, Dewan Komisaris menggelar As of December 31, 2022, the Board of Commissioners held
rapat sebanyak 15 (lima belas) kali rapat dengan rincian 15 (fifteen) meetings with the following details.
sebagai berikut.

Agenda Rapat Internal Dewan Komisaris Internal Meeting Agenda of the Board of Commissioners
Peserta Dewan Komisaris
Tanggal Agenda Rapat
No Board of Commissioners
Date Meeting Agenda
Participants
1 24 Februari 2022 1. Financial Highlights as of January 2022 • Ilham A Habibie*)

February 24, 2022 2. Corporate Action Update • Iggi H Achsien**)
3. Other Updates • Edy Setiadi*)
2 11 Maret 2022 BOC Update • Ilham A Habibie*)
March 11, 2022 • Sulistyo Budi**)
• Edy Setiadi*)
• Iggi H Achsien**)
• Juni Supriyanto*)
3 31 Maret 2022 1. Program Efisiensi • Ilham A Habibie*)
March 31, 2022 2. BBP Tahun 2022 • Sulistyo Budi**)
3. Update lainnya • Edy Setiadi*)
1. Efficiency Program • Juni Supriyanto*)
2. BBP in 2022 • Andre Mirza Hartawan
3. Other updates
4 7 April 2022 1. BBP Tahun 2022 • Ilham A Habibie*)
April 7, 2022 2. Program Efisiensi • Edy Setiadi*)
3. Kinerja Retail Banking per 31 Maret 2022 • Iggi H Achsien**)
4. Update lainnya • Juni Supriyanto*)
1.BBP in 2022 • Andre Mirza Hartawan
2. Efficiency Program
3. Retail Banking Performance as of March 31, 2022
4. Other updates
5 14 April 2022 1. Laporan Komite Audit • Ilham A Habibie*)
April 14, 2022 per 31 Maret 2022 • Sulistyo Budi**)
2. Laporan Komite Pemantauan Risiko • Edy Setiadi*)
per 31 Maret 2022 • Iggi H Achsien**)
3. Laporan Komite Tata Kelola per 31 Maret 2022 • Juni Supriyanto*)
4. Persiapan Rapat BOC-BOD • Andre Mirza Hartawan
1. Audit Committee Report as of March 31, 2022
2. Risk Monitoring Committee Report
as of March 31, 2022
3. Governance Committee Report as of March 31, 2022
4. BOC-BOD Meeting Preparation
6 19 May 2022 1. Persiapan Rapat BOC-BOD • Ilham A Habibie*)
May 19, 2022 2. RUPS Update & Approval • Sulistyo Budi**)
1. BOC-BOD Meeting Preparation • Edy Setiadi*)
2. GMS Update & Approval • Iggi H Achsien**)
• Juni Supriyanto*)
7 16 Juni 2022 Update dan Diskusi Internal BOC • Sulistyo Budi**)
June 16, 2022 BOC Internal Updates and Discussions • Edy Setiadi*)
• Iggi H Achsien**)
8 29 Juli 22 1. Pembentukan Komite Tingkat BOC • Iggi H Achsien**)
July 29, 2022 2. Laporan H1-2022 Komite Tingkat BOC : Komite Nominasi & • Sartono
Remunerasi, Komite Audit, Komite Pemantau Risiko, Komite • Amin Said Husni
Tata Kelola • Sulistyo Budi**)
1. Establishment of BOC Level Committee • KH Marsudi Syuhud**)
2. Report D1-2022 BOC Level Committee: Nomination & • Andre Mirza Hartawan
Remuneration Committee, Audit Committee, Risk Monitoring
Committee, Governance Committee
9 24 Augustus 2022 Pembahasan Internal BOC • Iggi H Achsien**)
August 24, 2022 Internal Discussion of BOC • Sartono
• Amin Said Husni
• KH Marsudi Syuhud**)
11 17 November 2022 Pembasahan Internal BOC • Iggi H Achsien**)
November 17, 2022 Internal Discussion of BOC • Sartono
• Amin Said Husni
• KH Marsudi Syuhud**)
12 2 Desember 2022 1. Perkenalan • Mardiasmo***)
December 2, 2022 2. Pembahasan Komite Tingkat BOC • Sartono
3. Pembahasan Rencana Aksi Korporasi, RBB 2022 & 2023 • Amin Said Husni
4. Lain-lain • Andre Mirza Hartawan
1. Introduction • Suwarta***)
2. Discussion of the BOC Level Committee
3. Discussion of Corporate Action Plan, RBB 2022 & 2023
4. Other

Peserta Dewan Komisaris

Tanggal Agenda Rapat
No Board of Commissioners
Date Meeting Agenda
Participants
13 9 Desember 2022 1. Formalisasi Remunerasi BOC-BOD Pasca RUPS • Mardiasmo***)

December 9, 2022 2. Penjelasan Update ALIF • Sartono
1. Formalization of BOC-BOD Remuneration After GMS • Amin Said Husni
2. ALIF Update Explained • Andre Mirza Hartawan
• Suwarta***)
14 16 Desember 2022 1. Update & Persetujuan Rapat Komite Nominasi & Remunerasi • Mardiasmo***)
December 16, 2022 2. Update Lainnya • Sartono
1. Update & Approval of the Nomination & Remuneration • Amin Said Husni
Committee Meeting • Andre Mirza Hartawan
2. Other Updates • Suwarta***)
15 23 Desember 2022 Laporan Komite Tingkat BOC • Mardiasmo***)
December 23, 2022 BOC Level Committee Report • Sartono
• Amin Said Husni
• Suwarta***)
*)
**)
Telah berhenti menjabat sesuai keputusan RUPSLB tanggal 29 November 2022
Dismissed based on EGMS resolution on November 29, 2022
***)
Frekuensi Rapat dan Tingkat Kehadiran Dewan Meeting Frequency and Attendance Rate of the Board of
Komisaris Commissioners
Rapat Internal RUPS
Internal Meeting GMS
Nama Jabatan Jumlah Jumlah
No Jumlah Rapat Jumlah Rapat
Name Position Kehadiran Kehadiran
Number of Number of
Number of Number of
meeting Meeting
Attendance Attendance
1 Mardiasmo***) Komisaris Utama Independen 4 4 0 0
Independent President
Commissioner
2 Suwarta***) Komisaris Independen 4 4 0 0
3 Sartono Komisaris Independen 7 7 1 1
4 Amin Said Husni Komisaris Independen 7 7 1 1
5 Andre Mirza Hartawan Komisaris 14 14 3 3
Commissioner
6 Ilham A Habibie*) Komisaris Utama 6 6 3 1
President Commissioner
7 Iggi H Achsien**) Komisaris Independen 9 9 4 4
8 Edy Setiadi*) Komisaris Independen 7 7 4 3
9 Sulistyo Budi**) Komisaris Independen 6 6 1 1
10 Juni Supriyanto*) Komisaris Independen 5 5 0 0
11 KH Marsudi Syuhud**) Komisaris Independen 3 3 0 0
*)
**)
***)

RAPAT DIREKSI MEETING OF THE BOARD OF DIRECTORS

Kebijakan rapat Direksi Bank Muamalat Indonesia Bank Muamalat Indonesia's Board of Directors meeting
mengacu pada Peraturan Otoritas Jasa Keuangan No. 33/ policy refers to the Financial Services Authority Regulation
POJK.04/2014, Anggaran Dasar Bank dan Board Manual Bank No. 33/POJK.04/2014, the Bank's Articles of Association and
Muamalat Indonesia, yang mengatur bahwa rapat Direksi Board Manual of Bank Muamalat Indonesia, which stipulates
diselenggarakan secara berkala sedikitnya 1 (satu) kali dalam that the Board of Directors holds meeting regularly at least 1
setiap bulan. (one) time every month.
Pada rapat Direksi, Direksi memiliki kewenangan secara In the Board of Directors meeting, the Board of Directors has
bersama-sama atau kolektif kolegial untuk mengambil the authority to jointly or collectively make various business
berbagai keputusan bisnis, mengevaluasi kinerja Bank dan decisions, evaluate the Bank's performance and determine
menetapkan berbagai kebijakan dalam pengurusan Bank. various policies in the Bank management. The principles of
Prinsip-prinsip pada rapat Direksi adalah sebagai berikut: the Board of Directors meeting are as follows:
1. Penyelenggaraan rapat Direksi dapat diadakan setiap 1. The Board of Directors Meetings may be held at any time
waktu, atas permintaan tertulis dari: 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. Board of Commissioners Members; 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 Tercatat Submitted to the Company by Registered Letter and/or
dan/atau surat yang disampaikan langsung kepada letter submitted directly to the Company with receipt
Perseroan dengan mendapat tanda-terima disertai along with the reasons and a copy submitted to each
alasannya dan tembusannya disampaikan kepada setiap member of the Board of Directors and each member of
anggota Direksi dan setiap anggota Dewan Komisaris the Board of Commissioners with the Registered Letter
dengan Surat Tercatat dan/atau surat yang disampaikan and/or letter delivered directly to each member of the
langsung kepada setiap anggota Direksi dan setiap Board of Directors and each member of the Board of
anggota Dewan Komisaris dengan mendapat tanda Commissioners by receiving a receipt;
terima;
2. Panggilan rapat Direksi dilakukan oleh Direktur Utama 2. Invitation to the Board of Directors meeting is made
dan dalam hal Direktur Utama tidak dapat hadir yang by the President Director, and if the President Director
tidak perlu dibuktikan kepada pihak lain panggilan rapat is unable to attend, which does not need to be proven
Direksi dapat dilakukan oleh anggota Direksi lainnya. to other parties, an invitation 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
dianggap sah apabila paling sedikit lebih dari 2/3 (dua (two-thirds) of the total members of the Board of
per tiga) bagian dari jumlah anggota Direksi hadir dan/ Directors are present and/or represented at the Board
atau diwakili dalam rapat Direksi of Directors meeting.
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 2022, Direksi Bank Muamalat telah During the 2022 fiscal year, the Board of Directors held 51
menggelar rapat sebanyak 51 (lima puluh satu) kali rapat (fifty-one) meetings with the following details.
dengan rincian sebagai berikut.
Agenda Rapat Internal Direksi Agenda of Internal Meeting of the Board of Directors
Tanggal Agenda Rapat Peserta Direksi/SEVP

No
Date Meeting Agenda Board of Directors/SEVP Participants
1 5 January 2022 1. CAR & Media Update • Achmad K. Permana*)

January 5, 2022 2. Corporate Action Update • Purnomo B. Soetadi*)
3. Kick Off Meeting Update • Hery Syafril
4. BOD Other Updates • Awaldi*)
• Andri Donny**)
• Avianto Istihardjo*)
• Riksa Prakoso
• Irvan Y. Noor
2 18 January 2022 1. CAR & Media Update • Purnomo B. Soetadi*)
January 18, 2022 2. Financial Highlights as of December 2021 • Awaldi*)
3. Wholesale Banking Update • Andri Donny**)
4. Retail Banking Update • Avianto Istihardjo*)
5. Corporate Action Update • Riksa Prakoso
6. Run Off Polis D&O • Irvan Y. Noor
7. BOD Other Updates
January 25, 2022 2. ALIF Update • Hery Syafril
3. Bad Bank Update • Awaldi*)
4. TAP Update • Andri Donny**)
5. Corporate Action Update • Avianto Istihardjo*)
6. BOD Other Updates • Riksa Prakoso
• Irvan Y. Noor
January 31, 2022 2. Financial Update • Purnomo B. Soetadi*)
3. Corporate Action Update • Awaldi*)
4. Digital Banking Strategy • Andri Donny**)
5. BOD Other Updates • Avianto Istihardjo*)
• Riksa Prakoso
• Irvan Y. Noor
5 8 February 2022 1. CAR & Media Update • Achmad K. Permana*)
February 8, 2022 2. TAP Monitoring (Financial Highlights as of January 22) • Purnomo B. Soetadi*)
3. Corporate Action Update • Hery Syafril
4. BI Fast • Awaldi*)
5. Update SLE Infobank • Andri Donny**)
• Riksa Prakoso
• Irvan Y. Noor
February 15, 2022 2. TAP Monitoring • Purnomo B. Soetadi*)
4. Wholesale Banking Update • Awaldi*)
5. Retail Banking Update • Andri Donny**)
• Riksa Prakoso
• Irvan Y. Noor
February 22, 2022 2. DPLK Update • Hery Syafril
3. Update Hasil Pemeriksaan Khusus Nasabah Pembiayaan • Awaldi*)
Update on Special Audit Results of Financing Customers • Andri Donny**)
4. TAP Monitoring – Recovery & Cash Collection Update • Avianto Istihardjo*)
5. Bad Bank Update • Riksa Prakoso
6. Corporate Action Update • Irvan Y. Noor

8 2 March 2022 1. CAR & Media Update • Achmad K. Permana*)
March 2, 2022 2. TAP Meeting (Business Update) • Hery Syafril
3. Corporate Action Update • Awaldi*)
4. BMM Update • Avianto Istihardjo*)
5. MI Update • Riksa Prakoso
6. BOD Other Updates • Irvan Y. Noor


No

March 8, 2022 2. TAP Meeting (Financial Update) • Purnomo B. Soetadi*)
4. Proposal Asuransi/Lembaga Penjamin Pembiayaan • Awaldi*)
Insurance/Financing Guarantee Agency Proposal • Avianto Istihardjo*)
• Irvan Y. Noor
March 16, 2021 2. Closing Meeting dengan KAP • Hery Syafril
3. Penyesuaian/Koreksi RBB • Awaldi*)
RBB Adjustment/Correction • Andri Donny**)
4. Persiapan Rapat BOC: • Riksa Prakoso
Preparation for BOC Meeting: • Irvan Y. Noor
- TAP Monitoring
- Corporate Action Update
March 22, 2022 2. Wholesale Banking Update • Purnomo B. Soetadi*)
3. Retail Banking Update • Hery Syafril
• Andri Donny**)
• Irvan Y. Noor
March 29, 2022 2. TAP Monitoring (Business Update) • Purnomo B. Soetadi*)
3. Bad Bank Update • Hery Syafril
• Andri Donny**)
• Irvan Y. Noor
13 6 April 2022 1. CAR & Media Update • Achmad K. Permana*)
April 6, 2022 2. Persiapan Rapat RBB 2022 dengan OJK • Purnomo B. Soetadi*)
Preparation for 2022 RBB Meeting with FSA • Hery Syafril
3. Financial Highlights as of March 2022 • Awaldi*)
4. Financing Documentation Management Update • Andri Donny**)
• Riksa Prakoso
April 12, 2022 2. Annual Report 2021, dan Rapat Umum Pemegang Saham • Hery Syafril
Annual Report 2021 and General Meeting of • Awaldi*)
Shareholders • Andri Donny**)
3. TAP Monitoring (Business Update) • Avianto Istihardjo*)
4. Wholesale Banking Update • Riksa Prakoso
April 19, 2021 2. TAP Monitoring (Recovery & Cash Collection Update) • Hery Syafril
4. ALIF Update • Andri Donny**)
• Riksa Prakoso
• Irvan Y. Noor
April 27, 2022 2. RUPS Update & Approval • Purnomo B. Soetadi*)
3. TAP Monitoring (Business Update) • Awaldi*)
4. Update Milad BMI ke-30 • Andri Donny**)
• Riksa Prakoso
• Irvan Y. Noor
17 17 May 2022 1. CAR & Media Update • Achmad K. Permana*)
May 17, 2022 2. RUPS Update • Purnomo B. Soetadi*)
3. TAP Monitoring (Financial Highlight as of April 2022) • Hery Syafril
4. Persiapan Rapat BOC-BOD 19 Mei 2022: • Awaldi*)
Preparation for BOC-BOD Meeting on May 19, 2022: • Andri Donny**)
a. Bancassurance Update • Avianto Istihardjo*)
b. ALIF Update • Riksa Prakoso
May 24, 2022 2. TAP Monitoring (Business Update) • Purnomo B. Soetadi*)
3. Wholesale Banking Update & Approval • Hery Syafril
4. Persetujuan Restrukturisasi dan Perpanjangan Waktu • Awaldi*)
Pembiayaan 4 Nasabah Kelolaan SAM • Andri Donny**)
Approval of Restructuring and Extension of Financing • Avianto Istihardjo*)
Time for 4 SAM Managed Customers • Riksa Prakoso
5. Retail Banking Update • Irvan Y. Noor
6. BSEM MRI Update


No

May 31, 2022 2. Perkembangan Rencana RUPS • Awaldi*)
GMS Plan Progress • Andri Donny**)
3. Strategi GWM • Avianto Istihardjo*)
4. TAP Monitoring (Recovery & Cash Collection Update) • Riksa Prakoso
5. Bad Bank Update • Irvan Y. Noor
6. Strategi Hukum Penanganan PT Sianyu Perkasa
Legal Strategy for Handling PT Sianyu Perkasa
20 07 June 2021 1. CAR & Media Update • Achmad K. Permana*)
June 07, 2021 2. TAP Monitoring – Financial Highlights as of Mei 2022 • Purnomo B. Soetadi*)
3. Rencana Perubahan RBB Juni 2022 • Hery Syafril
RBB Amendment Plan June 2022 • Awaldi*)
4. Digital Banking FBI Update • Andri Donny**)
5. Retail Financing • Avianto Istihardjo*)
6. Persetujuan ALIF • Riksa Prakoso
ALIF Approval • Irvan Y. Noor
June 14, 2022 2. Update Proses Pemeringkatan & Follow Up Rapat BOC- • Purnomo B. Soetadi*)
BOD Action Points • Hery Syafril
Ranking Process Update & Follow Up BOC-BOD Meeting • Awaldi*)
Action Points • Andri Donny**)
3. Wholesale Banking Update & Approval • Avianto Istihardjo*)
4. Penanganan Nasabah SAM • Riksa Prakoso
SAM Customer Handling • Irvan Y. Noor
5. IT Update
June 21, 2022 2. RUPS Update • Purnomo B. Soetadi*)
3. TAP Monitoring (Business Update) • Hery Syafril
4. IT Update • Awaldi*)
5. Penanganan Nasabah RCM & SAM • Andri Donny**)
RCM & SAM Customer Handling • Avianto Istihardjo*)
• Irvan Y. Noor
23 29 June 2022 1. CAR & Media Update • Purnomo B. Soetadi*)
June 29, 2022 2. UCS Bulan Juni 2022 • Hery Syafril
UCS June 2022 • Awaldi*)
3. TAP Monitoring (Recovery & Cash Collection Update) • Andri Donny**)
4. Bad Bank Update • Avianto Istihardjo*)
5. Approval Review Kol Nasabah WB & RCM • Riksa Prakoso
Approval Review of WB & RCM Customer Kol • Irvan Y. Noor
6. Penunjukkan Pejabat Pelaksana Tugas Direktur
Kepatuhan, Risiko & Hukum
Appointment of Acting Director of Compliance, Risk &
Legal Affairs
24 5 July 2022 1. CAR & Media Update • Achmad K. Permana*)
July 5, 2022 2. Financial Highlights as of June 2022 • Purnomo B. Soetadi*)
3. Pefindo Rating • Hery Syafril
4. Persetujuan Penggunaan Dana Kebajikan • Karno
Approval of the Use of Benevolent Funds • Avianto Istihardjo*)
5. Penanganan Nasabah SAM • Riksa Prakoso
SAM Customer Handling • Irvan Y. Noor
July 12, 2022 2. ITY Update • Purnomo B. Soetadi*)
3. Persiapan Rapat OJK • Hery Syafril
Preparation for FSA Meeting • Awaldi*)
4. DPLK Update • Karno
5. ALIF Update • Avianto Istihardjo*)
6. Retail Customer Update • Riksa Prakoso
July 19, 2022 2. Persiapan Rapat BOC • Purnomo B. Soetadi*)
Preparation for BOC Meeting • Hery Syafril
• Karno
• Riksa Prakoso
• Irvan Y. Noor


No

July 26, 2022 2. ALIF Update • Purnomo B. Soetadi*)
3. MI Update • Awaldi*)
4. BMM Update • Karno
5. TAP Monitoring • Avianto Istihardjo*)
6. Update Sinergy BPKH • Riksa Prakoso
28 2 August 2022 1. CAR & Media Update • Achmad K. Permana*)
August 2, 2022 2. Restrukturisasi Nasabah • Purnomo B. Soetadi*)
Customer Restructuring • Awaldi*)
3. Bad Bank Update • Karno
4. Employee Engagement Update • Avianto Istihardjo*)
• Irvan Y. Noor
August 9, 2022 2. Financial Highlights as of July 2022 • Purnomo B. Soetadi*)
3. TAP Monitoring • Hery Syafril
4. Corporate Action Book Project Brief • Awaldi*)
5. BOD Other Updates • Karno
• Riksa Prakoso
• Irvan Y. Noor
August 16, 2022 2. Rating Pefindo • Hery Syafril
3. RUPS Update • Awaldi*)
GMS Update • Avianto Istihardjo*)
4. TAP – RB Update • Riksa Prakoso
5. Update Hari Pelanggan Nasional • Irvan Y. Noor
National Customer Day Update
August 23, 2022 2. Persetujuan Business Model ALIF • Purnomo B. Soetadi*)
ALIF Business Model Approval • Hery Syafril
3. Persiapan Rapat BOC-BOD • Awaldi*)
BOC-BOD Meeting Preparation • Karno
4. a. Update Yayasan ACT • Riksa Prakoso
ACT Foundation Update • Irvan Y. Noor
b. Update Sinergi BMI-BPKH
BMI-BPKH Synergy Update
c. Strategi RB
RB Strategy
August 30, 2022 2. Persetujuan RKAT-PKPA • Purnomo B. Soetadi*)
RKAT-PKPA Approval • Hery Syafril
3. TAP Update • Awaldi*)
4. Bad Bank Update • Karno
5. Muamalat Tower Update • Avianto Istihardjo*)
7. HC Update - Organisasi • Irvan Y. Noor
33 6 September 2022 1. CAR & Media Update • Achmad K. Permana*)
September 6, 2022 2. Financial Highlights as of August 2022 • Hery Syafril
a. Rencana Jadwal Penyusunan Rencana Bisnis Bank • Awaldi*)
(BBP) tahun 2023 • Karno
Schedule for the preparation of the Bank's Business • Avianto Istihardjo*)
Plan (BBP) for 2023 • Riksa Prakoso
b. Rencana Korporasi Bank Muamalat • Irvan Y. Noor
Bank Muamalat Corporate Plan
c. Update Pelaksanaan RUPSLB
Update on EGM Implementation
3. Restrukturisasi Nasabah
Customer Restructuring
4. ACT Update
5. Operation Update:
a. Financial Performance Dashboard Update
b. Smart Office Enforcement & Digital Sign Update
6. Liquidity Update setelah Penerapan GWM Baru
Liquidity Update after New GWM Implementation


No

September 13, 2022 2. RUPS Update • Purnomo B. Soetadi*)
GMS Update • Awaldi*)
3. Proyeksi Akselerasi Recovery sd. Desember 2022 • Karno
Recovery Acceleration Projection until December 2022 • Avianto Istihardjo*)
4. Dampak Disrupsi VA pada Turunnya CASA • Riksa Prakoso
Impact of VA Disruption on CASA Decline • Irvan Y. Noor

September 20, 2022 2. Proyeksi Akselerasi Recovery s.d. Desember 2022 • Purnomo B. Soetadi*)
Projected Recovery Acceleration until December 2022 • Hery Syafril
3. Restruktur Fasilitas sesuai Putusan Homologasi atas • Awaldi*)
nasabah pembiayaan • Karno
Facility Restructure as per Homologation Decision on • Avianto Istihardjo*)
Debtor • Riksa Prakoso
September 27, 2022 2. Rencana Strategi PaSBI • Purnomo B. Soetadi*)
PaSBI Strategy Plan • Hery Syafril
3. Brainstorming for BBP 2023 • Karno*)
Brainstorming for BBP 2023 • Avianto Istihardjo*)
• Irvan Y. Noor
37 4 Oktober 2022 1. CAR & Media Update • Achmad K. Permana*)
October 4, 2022 2. Proposal Perubahan Anggaran Dasar BMI • Purnomo B. Soetadi*)
Proposal to Amend the Articles of Association of Bank • Hery Syafril
MuamaIat Indonesia • Awaldi*)
3. Update Organisasi Cash Management • Karno
Cash Management Organization Update • Riksa Prakoso
4. TAP Monitoring • Irvan Y. Noor
TAP Monitoring
5. Pembahasan Materi Rapat dengan LPS – 4 Oktober 2022
Discussion on Meeting Materials with LPS - October 4,
2022
6. Sukuk BMI
Bank MuamaIat Sukuk
October 11, 2022 2. Restrukturisasi Nasabah • Purnomo B. Soetadi*)
Customer Restructuring • Awaldi*)
3. Financial Highlights as of September 2022 & TAP • Karno
Monitoring • Avianto Istihardjo*)
4. RUPS Update • Riksa Prakoso
GMS Update • Irvan Y. Noor
5. Update Project Whitebook Corp. Action
6. ALIF Update
October 18, 2022 2. Hasil Penilaian Profil Risiko periode Triwulan III 2022 • Purnomo B. Soetadi*)
Risk Profile Assessment Results for Q3/2022 • Hery Syafril
3. Memo RKAT - BMI sebagai Agen Penagihan PKPA Tahun • Awaldi*)
2022 • Karno
RKAT Memo - Bank muamaIat indonesia as PKPA • Avianto Istihardjo*)
Collection Agent in 2022 • Riksa Prakoso
4. Bad Bank Update • Irvan Y. Noor
5. Bulk Sales Update
6. Capital Update
7. Strategi Funding-Financing WB & RB
WB & RB Funding-Financing Strategy
8. ACT Update
9. BMM Update
October 25, 2022 2. Update Sewa Kantor MT • Purnomo B. Soetadi*)
MT Office Rental Update • Hery Syafril
3. RIM Update • Karno
4. Liquidity Update • Avianto Istihardjo*)
5. Update Perubahan Anggaran Dasar BMI • Riksa Prakoso
Update on Changes to BMI's Articles of Association • Irvan Y. Noor


No
41 1 November 2022 1. CAR & Media Update • Achmad K. Permana*)

November 1, 2022 2. Restrukturisasi Nasabah • Hery Syafril
Customer Restructuring • Karno
3. Publikasi Laporan Keuangan September 2022 • Avianto Istihardjo*)
Publication of Financial Statements for September 2022 • Riksa Prakoso
4. RUPS Update • Irvan Y. Noor
GMS Update
5. Liquidity Update
6. DPLK Update
November 8, 2022 2. RUPS Update • Purnomo B. Soetadi*)
GMS Update • Hery Syafril
3. Persetujuan Perubahan Anggaran Dasar BMI • Awaldi*)
Approval of Amendments to BMI's Articles of Association • Karno
4. RBB 2023 (termasuk Rencana Korporasi tahun 2023- • Avianto Istihardjo*)
2027) • Riksa Prakoso
RBB 2023 (including Corporate Plan 2023-2027) • Irvan Y. Noor
5. Financial Highlights as of October 2022
6. Update Implementasi AML & CFT tahun 2022
November 15, 2022 2. Perubahan Pencatatan Saham Haji • Purnomo B. Soetadi*)
Changes in the Registration of Hajj Shares • Hery Syafril
4. MI Update • Karno
5. Update ALIF • Avianto Istihardjo*)
• Irvan Y. Noor
November 22, 2022 2. Perubahan Pencatatan Saham Haji • Purnomo B. Soetadi*)
Change in Hajj Stock Listing • Hery Syafril
3. RUPS Update • Awaldi*)
GMS Update • Karno
4. Kesiapan End to End Process Pembiayaan Multiguna • Avianto Istihardjo*)
End to End Process of the Readiness of Multipurpose • Riksa Prakoso
Financing • Irvan Y. Noor
5. Persetujuan Laporan Keuangan Juli-Oktober 2022
Approval of Financial Statements for July-October 2022
November 28, 2022 2. Update Pencatatan Saham • Purnomo B. Soetadi*)
Stock Listing Update • Hery Syafril
3. Corporate Action • Awaldi*)
4. Year End Projection • Karno
• Riksa Prakoso
• Irvan Y. Noor
46 6 December 2022 1. Kinerja November 2022 & Proyeksi Desember 2022 • Indra Falatehan
December 6, 2022 November 2022 Performance & December 2022 • Karno
Projection • Wahyu Avianto
2. Bad Bank Update (termasuk Recovery) • Suhendar
Bad Bank Update (including Recovery) • Hery Syafril
3. ALIF Update • Riksa Prakoso
4. Presentasi Bisnis Wholesale Banking • Irvan Yulian Noor
Wholesale Banking Business Presentation
5. Presentasi Bisnis Retail Banking
Retail Banking Business Presentation
47 8 December 2022 1. Update Rencana Corporate Action • Indra Falatehan
December 8, 2022 Update on Corporate Action Plan • Karno
2. Project Muscat & Komite Bad Bank • Wahyu Avianto
3. Persetujuan Pelampauan BMPD Internal • Suhendar
Internal BMPD Exceeding Approval • Hery Syafril
4. Presentasi Bisnis Retail Banking • Riksa Prakoso
Retail Banking Business Presentation • Irvan Yulian Noor
5. BOM Other Updates


No
48 14 December 2022 1. CAR & Media Update • Indra Falatehan

December 14, 2022 2. Laporan Pengawasan dan Rekomendasi OJK • Karno
FSA Supervision Report and Recommendations • Wahyu Avianto
3. Fungsi Kepatuhan dalam Komite Bad Bank & SOP • Suhendar
Threshold Recovery Rate dan Penjualan Haircut • Hery Syafril
Compliance Function in Bad Bank Committee & SOP • Riksa Prakoso
Threshold Recovery Rate and Sales Haircut
4. RIM Development
5. Kick Off Meeting Profit Based Performance Management
Project
6. BOM Brainstorming Business Strategy 2023
7. BOM Other Updates
49 20 December 2022 1. Kinerja November 2022 & Proyeksi Desember 2022 • Indra Falatehan
December 20, 2022 November 2022 Performance & December 2022 • Karno
Projection • Wahyu Avianto
2. Bad Bank Update & Pipeline Recovery Asset Sale • Suhendar
3. Update on Pipeline Good Bank • Hery Syafril
4. Update proyeksi P&L Desember 2022 • Riksa Prakoso
Update on P&L projection for December 2022 • Irvan Yulian Noor
5. Perubahan Pengelolaan Financing & Funding Akun
Tertentu
Changes in Financing & Funding Management of Certain
Accounts
6. Update Penyelesaian Temuan OJK 2022
Update on FSA Findings Completion 2022
7. Penyesuaian Limit Internal BMPD & Ketentuan Opini BOC
Adjustment of Internal Limit of BMPD & BOC Opinion
Provisions
8. BOD Other Update
50 26 December 2022 1. Rencana Pencairan Nasabah Wholesale Banking • Indra Falatehan
December 26, 2022 Disbursement Plan for the Wholesale Banking Customers • Karno
2. Jual Beli Cessie PPA Kapital • Wahyu Avianto
PPA Capital Cessie Sale and Purchase • Suhendar
• Hery Syafril
• Riksa Prakoso
• Irvan Yulian Noor
51 27 December 2022 1. CAR & Media Update • Indra Falatehan
December 27, 2022 2. Persetujuan Tema Annual Report & Sustainability Report • Karno
tahun 2022 • Wahyu Avianto
Approval to the Annual Report & Sustainability Report • Suhendar
theme for 2022. • Hery Syafril
3. Update Persiapan Operasional Akhir Tahun 2022 • Riksa Prakoso
Update on Operational Preparation for the End of 2022 • Irvan Yulian Noor
4. Persiapan Rapat BOC-BOM:
Preparation For BOC-BOM Meeting:
a. Laporan Tahunan Bank Muamalat Indonesia
Bank Muamalat Indonesia Annual Report
b. ALIF Update
5. BOM Update
*)
**)

Frekuensi Rapat dan Tingkat Kehadiran Direksi Meeting Frequency and Attendance Rate of the
Board of Directors
Rapat Internal RUPS
Internal Meeting GMS
Nama Jabatan Jumlah Jumlah
No Jumlah Rapat Jumlah Rapat
Name Position Kehadiran Kehadiran
Number of Number of
Number of Number of
meeting Meeting
Attendance Attendance
1 Indra Falatehan Direktur Utama 6 6 0 0
President Director
2 Karno Direktur Kepatuhan, Risiko & Hukum 29 28 1 1
Compliance, Risk, and Legal Director
3 Hery Safril Direktur Risiko Bisnis 51 44 4 4
Pembiayaan/Plt. Direktur Utama
Financing Business Risk Director/
Acting President Director
4 Wahyu Avianto Direktur Operasi & Digital 6 6 0 0
5 Suhendar Direktur Keuangan dan Strategi 6 6 0 0
6 Achmad Kusna Permana**) Direktur Utama 45 43 4 4
President Director
7 Purnomo B Soetadi**) Direktur Bisnis Ritel 45 35 3 2
Retail Business Director
8 Andri Donny*) Direktur Kepatuhan, Risiko & Hukum 23 21 3 3
Compliance, Risk, and Legal Director
9 Avianto Istihardjo**) Direktur Pembiayaan 45 42 4 3
Financing Director
10 Awaldi**) Direktur Operasi 45 41 4 4
Operations Director
*)
Telah berhenti menjabat sesuai keputusan RUPST tanggal 24 Juni 2022
Dismissed based on AGMS resolution on June 24, 2022
**)
RAPAT GABUNGAN DEWAN KOMISARIS DAN JOINT MEETING OF THE BOARD OF COMMISSION
DIREKSI

Kebijakan rapat gabungan Dewan Komisaris dan Direksi The joint meeting policy of Bank Muamalat’s Board of
Bank Muamalat mengatur bahwa rapat diselenggarakan Commissioners and Directors stipulates that the meeting is
paling sedikit 1 (satu) kali dalam 4 (empat) bulan. Rapat held at least 1 (one) time in 4 (four) months. The joint meeting
gabungan tersebut mencerminkan penyelenggaraan reflects the coordination and synergy of management
koordinasi dan sinergi fungsi manajemen antara Dewan functions between the Board of Commissioners and the
Komisaris dan Direksi. Board of Directors.

Sepanjang tahun buku 2022, Dewan Komisaris dan Direksi During the 2022 fiscal year, the Board of Commissioners and
menggelar rapat gabungan sebanyak 13 (tiga belas) kali Board of Directors held 13 (thirteen) joint meetings with the
rapat dengan rincian sebagai berikut. following details.

Peserta Dewan
Peserta Direksi
Tanggal Agenda Rapat Komisaris
Date Meeting Agenda Board of Commissioners
Participants
Participants
1 6 Januari 2022 1. Extraordinary General Meeting of • Ilham A. Habibie**) • Achmad K. Permana*)
January 6, 2022 Shareholders • Iggi H. Achsien*) • Purnomo B. Soetadi*)
2. Appointment of the Arranger of Subordinated • Edy Setiadi**) • Hery Syafril
Sukuk • Irvan Yulian Noor
3. Appointment of Business Strategy Consultant • Awaldi*)
4. Other Updates • Andri Donny**)
• Riksa Prakoso
2 27 Januari 2022 1. Financial Highlights as of December 2021 • Ilham A Habibie**) • Achmad K. Permana*)
January 27, 2022 2. Corporate Action Update • Iggi H Achsien*) • Purnomo B. Soetadi*)
3. ALIF Update • Edy Setiadi**) • Hery Syafril
4. Other Updates • Irvan Yulian Noor
• Awaldi*)
• Andri Donny**)
• Riksa Prakoso
3 22 Maret 2022 1. Update Corporate Action • Ilham A Habibie**) • Achmad K. Permana*)
March 22, 2022 2. RBB • Sulistyo Budi*) • Purnomo B. Soetadi*)
RBB • Edy Setiadi**) • Hery Syafril
3. Monitoring Kinerja per Februari 2022 • Iggi H Achsien*) • Irvan Yulian Noor
Performance Monitoring as of February 2022 • Juni Supriyanto**) • Awaldi*)
4. Update Program Efisiensi • Andre Mirza Hartawan • Andri Donny**)
Efficiency Program Update • Avianto Istihardjo*)
5. Update lainnya
Other updates
4 14 April 2022 1. Monitoring Kinerja per 31 Maret 2022 • Ilham A Habibie**) • Achmad K. Permana*)
April 14, 2022 Performance Monitoring as of March 31, 2022 • Sulistyo Budi*) • Hery Syafril
2. Pengajuan Repricing Sukuk BPKH • Edy Setiadi**) • Irvan Yulian Noor
Submission of BPKH Sukuk Repricing • Iggi H Achsien*) • Awaldi*)
3. Annual Report 2021 dan • Juni Supriyanto**) • Andri Donny**)
Rapat Umum Pemegang Saham • Andre Mirza Hartawan • Avianto Istihardjo*)
Annual Report 2021 and General Meeting of • Riksa Prakoso
Shareholders
4. Update lain-lainnya
Other updates
5 19 Mei 2022 1. Ringkasan Laporan Keuangan per April 2022 • Ilham A Habibie**) • Achmad K. Permana*)
May 19, 2022 Summary of Financial Statement as of April • Sulistyo Budi*) • Purnomo B. Soetadi*)
2022 • Edy Setiadi**) • Hery Syafril
2. Kinerja & Benchmarking Bancassurance • Iggi H Achsien*) • Irvan Yulian Noor
Bancassurance & Benchmarking Performance • Juni Supriyanto**) • Awaldi*)
3. ALIF Update • Andre Mirza Hartawan • Andri Donny**)
4. Update lainnya • Avianto Istihardjo*)
Other updates • Riksa Prakoso
6 16 June 2022 1. Action Point BOC-BOD 19 Mei 2022 • Sulistyo Budi*) • Achmad K. Permana*)
June 16, 2022 Action Point BOC-BOD on May 19, 2022 • Edy Setiadi**) • Purnomo B. Soetadi*)
2. Update Direktur Utama • Iggi H Achsien*) • Hery Syafril
President Director Update • Andre Mirza Hartawan • Irvan Yulian Noor
3. Ringkasan Laporan Keuangan per Mei 2022 • Awaldi*)
Summary of Financial Statements as of May • Andri Donny**)
2022 • Avianto Istihardjo*)
4. RBB • Riksa Prakoso
5. Update dan Persetujuan ALIF
ALIF Update and Approval
6. Rapat Umum Pemegang Saham
7 29 July 2022 1. Financial Highlights 30 Juni 2022 • Iggi H Achsien*) • Hery Syafril
July 29, 2022 Summary of Financial Data on June 30, 2022 • Sartono • Irvan Yulian Noor
2. Bad Bank Recovery • Amin Said Husni • Awaldi*)
Bad Bank Recovery • Sulistyo Budi*) • Karno
3. Update lainnya • KH Marsudi Syuhud*) • Avianto Istihardjo*)
Other Updates • Andre Mirza Hartawan • Riksa Prakoso

Peserta Dewan
Peserta Direksi
Tanggal Agenda Rapat Komisaris
Date Meeting Agenda Board of Commissioners
Participants
Participants
8 24 August 2022 1. Laporan Direktur Utama • Iggi H Achsien*) • Achmad K. Permana*)

August 24, 2022 Report from the President Director • Sartono • Purnomo B. Soetadi*)
2. Update & Persetujuan RUPS • Amin Said Husni • Hery Syafril
GMS Update & Approval • KH Marsudi Syuhud*) • Irvan Yulian Noor
3. Ringkasan Laporan Keuangan Juli 2022 • Andre Mirza Hartawan • Awaldi*)
Summary of Financial Statements for July • Karno
2022 • Avianto Istihardjo*)
4. Strategi Retail Banking • Riksa Prakoso
Retail Banking Strategy
5. Update Sinergi BMI-BPKH
BMI-BPKH Synergy
6. Update ACT (Aksi Cepat Tanggap)
Update on ACT (Aksi Cepat Tanggap)
7. Update lainnya
Other updates
9 23 September 2022 1. Laporan Direktur Utama • Iggi H Achsien*) • Achmad K. Permana*)
September 23, 2022 Report from President Director • Sartono • Purnomo B. Soetadi*)
2. Financial Highlights per Agustus 2022 • Amin Said Husni • Hery Syafril
Financial Highlights as of August 2022 • Sulistyo Budi*) • Irvan Yulian Noor
3. Update RUPSLB • KH Marsudi Syuhud*) • Awaldi*)
EGMS Update • Andre Mirza Hartawan • Karno
4. Update ALIF • Avianto Istihardjo*)
ALIF Update • Riksa Prakoso
5. Update Lainnya
Other Updates
10 24 Oktober 2022 1. Laporan Direktur Utama • Iggi H Achsien*) • Achmad K. Permana*)
October 24, 2022 Report from President Director • Sartono • Purnomo B. Soetadi*)
2. Bulk Sales Update • Amin Said Husni • Hery Syafril
3. Capital Update • KH Marsudi Syuhud*) • Irvan Yulian Noor
4. Update ALIF • Andre Mirza Hartawan • Karno
ALIF Update • Avianto Istihardjo*)
• Riksa Prakoso
11 17 November 2022 1. Financial Highlights per Oktober 2022 • Iggi H Achsien*) • Achmad K. Permana*)
November 17, 2022 Financial Highlights as of October 2022 • Sartono • Hery Syafril
2. Update Implementasi AML & CFT Tahun 2022 • Amin Said Husni • Irvan Yulian Noor
Update on AML & CFT Implementation in • KH Marsudi Syuhud*) • Awaldi*)
2022 • Andre Mirza Hartawan • Karno
3. Permohonan Persetujuan Pembubaran ALIF • Avianto Istihardjo*)
Application for Approval of ALIF Dissolution • Riksa Prakoso
4. Update lainnya
Other Updates
12 16 Desember 2022 1. Financial Highlights per November 2022 • Mardiasmo***) • Indra Falatehan
December 16, 2022 Financial Highlights as of November 2022 • Sartono • Karno
2. Laporan Pengawasan & Rekomendasi OJK • Amin Said Husni • Wahyu Avianto
FSA Supervision & Recommendation Report • Andre Mirza Hartawan • Suhendar
3. Update Project Muscat • Suwarta***) • Hery Syafril
Muscat Project Update • Riksa Prakoso
4. Jadwal Rapat Tahun 2023 • Irvan Yulian Noor
Meeting Schedule for 2023
5. Update lainnya
Other updates
13 30 Desember 2022 1. Laporan Tahunan Bank Muamalat Indonesia • Mardiasmo***) • Indra Falatehan
December 30, 2022 Annual Report of Bank Muamalat Indonesia • Sartono • Karno
2. Update ALIF • Amin Said Husni • Wahyu Avianto
ALIF Update • Andre Mirza Hartawan • Suhendar
3. Update BOC-BOM lainnya • Suwarta***) • Irvan Yulian Noor
Other BOC-BOM updates
*)
**)
***)

RAPAT DEWAN PENGAWAS SYARIAH BERSAMA SHARIA SUPERVISORY BOARD MEETING WITH
DEWAN KOMISARIS DAN DIREKSI THE BOARD OF COMMISSIONERS AND BOARD
OF DIRECTORS

Kebijakan rapat Dewan Pengawas Dyariah bersama Dewan The policy for the Shariah Supervisory Board meetings with
Komisaris dan Direksi tertuang pada Board Manual, yang the Board of Commissioners and the Board of Directors
mengatur bahwa rapat Dewan Pengawas Syariah bersama is regulated in the Board Manual, stipulating that the
dengan Direksi dan rapat Rapat Dewan Pengawas Syariah implementation of the Sharia Supervisory Board meetings
bersama dengan Dewan Komisaris diselenggarakan sesuai with the Board of Directors and meeting of the Sharia
dengan kebutuhan dan dapat dilakukan secara gabungan. Supervisory Board with the Board of Commissioners can be
held jointly.

Sepanjang tahun buku 2022, rapat Dewan Pengawas Syariah During the 2022 fiscal year, the Sharia Supervisory Board
bersama Dewan Komisaris dan Direksi digelar sebanyak 2 held 2 (two) meetings with the Board of Commissioners and
(dua) kali rapat dengan rincian sebagai berikut: the Board of Directors with the following details:
Peserta Dewan
Peserta Dewan Komisaris Peserta Direksi/SEVP
Tanggal Agenda Rapat Pengawas Syariah
No Board of Commissioners Board of Directors/SEVP
Date Meeting Agenda Sharia Supervisory
Participants Participants
Board Participants
1 16 Juni 2022 Rapat Umum Pemegang • Agung Danarto • Ilham A Habibie*) • Achmad K. Permana**)
June 16, 2022 Saham • Siti Haniatunnisa • Sulistyo Budi**) • Purnomo B. Soetadi**)
General Meeting of • Edy Setiadi*) • Hery Syafril
Shareholders • Iggi H Achsien**) • Irvan Yulian Noor
• Andre Mirza Hartawan • Awaldi**)
• Andri Donny*)
• Avianto Istihardjo**)
• Riksa Prakoso
2 24 Oktober 1. Financial Highlights per • Agung Danarto • Iggi H Achsien**) • Achmad K. Permana**)
2022 September 2022 • Siti Haniatunnisa • Sartono • Purnomo B. Soetadi**)
October 24, 2. Update RUPS • Amin Said Husni • Hery Syafril
2022 3. Update lainnya • Andre Mirza Hartawan • Irvan Yulian Noor
1. Financial Highlights as • KH Marsudi Syuhud**) • Riksa Prakoso
of September 2022 • Karno
2. General Meeting of • Avianto Istihardjo**)
Shareholders (GMS)
update
3. Other updates
*)
**)
Frekuensi Rapat dan Tingkat Kehadiran Dewan Meeting Frequency and Attendance Rate for the
Pengawas Syariah, Dewan Komisaris, dan Direksi Meeting of the Sharia Supervisory 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.
Persentase
Nama Jabatan Jumlah Rapat Jumlah Kehadiran
No Percentage
Name Position Number of Meeting Number of attandance
(%)
1 Drs. H. Sholahudin Al Aiyub, M.Si Ketua 12 12 100
Chairman
2 Hj. Siti Haniatunnisa,LLB., MH Anggota 12 10 80
Member
3 Dr. H. Agung Danarto, M.Ag Anggota 12 12 100
Member

Persentase
No Percentage
Name Position Number of Meeting Number of attandance
(%)
1 Mardiasmo***) Komisaris Utama 4 4 100
Independen
Independent President
Commissioner
2 Suwarta***) Komisaris Independen 4 4 100
Independent
Commissioner
3 Sartono Komisaris Independen 7 7 100
Independent
Commissioner
4 Amin Said Husni Komisaris Independen 7 7 100
Independent
Commissioner
5 Andre Mirza Hartawan Komisaris 15 14 90
Commissioner
6 Ilham A Habibie*) Komisaris Utama 6 6 100
President Commissioner
7 Iggi H Achsien **)
Komisaris Independen 9 9 100
Independent
Commissioner
8 Edy Setiadi*) Komisaris Independen 7 7 100
Independent
Commissioner
9 Sulistyo Budi **)
Komisaris Independen 6 6 100
Independent
Commissioner
10 Juni Supriyanto*) Komisaris Independen 5 5 100
Independent
Commissioner
11 KH Marsudi Syuhud**) Komisaris Independen 3 3 100
Independent
Commissioner
1 Indra Falatehan Direktur Utama 6 6 100
President Director
2 Karno Direktur Kepatuhan, 29 28 90
Risiko & Hukum
Director of Compliance,
Risk & Legal
3 Hery Safril Direktur Risiko Bisnis 51 44 80
Pembiayaan/ Plt.
Direktur Utama
Director of Financing
Business Risk / Plt.
President Director
4 Wahyu Avianto Direktur Operasi & 6 6 100
Digital
Director of Operations
& Digital
5 Suhendar Direktur Keuangan dan 6 6 100
Strategi
Director of Finance and
Strategy
6 Achmad Kusna Permana**) Direktur Utama 45 43 95
President Director
7 Purnomo B Soetadi**) Direktur Bisnis Ritel 45 35 80
Retail Business Director
8 Andri Donny *)
Direktur Kepatuhan, Risiko 23 21 90
& Hukum
Compliance, Risk, and
Legal Director
9 Avianto Istihardjo**) Direktur Pembiayaan 45 42 90
Financing Director
10 Awaldi **)
Direktur Operasi 45 41 90
Operations Director
*)
Telah berhenti menjabat sesuai keputusan RUPST tanggal 24 Juni 2022
Dismissed based on AGMS resolution on June 24, 2022
**)
***)

Komite Audit
Audit Committee
Dewan Komisaris membentuk komite Audit untuk membantu The Board of Commissioners established an Audit Committee
pelaksanaan pengawasan dan evaluasi Dewan Komisaris to assist in evaluating the implementation of internal audit
terhadap pelaksanaan audit intern Bank Muamalat. Komite and monitoring of follow-up to audit results to assess the
tersebut juga bertugas melakukan pemantauan atas tindak adequacy of internal control, including the adequacy of the
lanjut hasil audit internal dan hasil audit pihak eksternal Bank’s financial reporting process.
guna menilai kecukupan pengendalian intern, termasuk
kecukupan proses pelaporan keuangan Bank.

Pembentukan Komite Audit Bank Muamalat Indonesia Bank Muamalat Indonesia established Audit Committee by
mengacu pada peraturan perundangan-undangan, yaitu: referring to the laws and regulations as follows:
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, concerning the Implementation of
Governance bagi Bank Umum Syariah dan Unit Usaha Good Corporate Governance for Sharia Commercial
Syariah. Banks and Sharia Business Units.
2. Surat Edaran Bank Indonesia No. 12/13/DPBS tanggal 2. Bank Indonesia Circular No. 12/13/DPBS dated April 30,
30 April 2010 perihal Pelaksanaan Good Corporate 2010, concerning the Implementation of Good Corporate
Syariah. Business Units.
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 December 29, 2015, concerning 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 January 8, 2019, concerning the
Intern pada Bank Umum. Implementation of 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 telah memiliki pedoman Bank Muamalat established a charter for the Audit Committee
kerja atau piagam yang di dalamnya mengatur struktur that regulates the structure and membership, membership
dan keanggotaan, persyaratan keanggotaan, tugas dan requirements, duties and responsibilities, authority,
tanggung jawab, wewenang, rapat, masa tugas, waktu kerja meetings, term of office, working time, and reporting. Audit
dan pelaporan. Piagam Komite Audit dan susunan anggota Committee Charter was last updated following the changes
Komite Audit telah diperbarui sesuai dengan perubahan in the composition of the Company management at the
susunan pengurus Perseroan pada RUPSLB tahun 2022 dan EGMS in 2022 and will continue to be updated based on
akan terus diperbarui sesuai dengan perkembangan regulasi the development of applicable regulations and the latest
yang berlaku serta kondisi terkini dari Bank. conditions of the Bank.
KRITERIA ANGGOTA KOMITE AUDIT MEMBERSHIP CRITERIA OF THE AUDIT

COMMITTEE
Piagam Komite Audit Bank Muamalat telah mengatur kriteria The Audit Committee Charter of Bank Muamalat has
keanggotaan Komite Audit dimana anggota komite tersebut established the membership criteria for Audit Committee
berasal dari Komisaris Independen dan pihak independen where the committee members come from Independent
serta memenuhi persyaratan sebagai berikut: Commissioners and independent parties and the following
requirements:
1. Wajib mempunyai integritas, akhlak, moral dan reputasi 1. Required to have integrity, character, morals, and a good
keuangan yang baik. financial reputation.

2. Wajib mempunyai kemampuan, pengetahuan, 2. Required to have the ability, knowledge, and experience
pengalaman sesuai dengan bidang pekerjaannya, serta in line with the field of work and communicate well.
mampu berkomunikasi dengan baik.
3. Wajib memahami laporan keuangan, bisnis perusahaan 3. Required to 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 improve competence through education and
menerus melalui pendidikan dan pelatihan training continuously
5. Wajib mematuhi kode etik Komite Audit yang ditetapkan 5. Required to comply with the Audit Committee’s code of
oleh Bank. conduct established by the Bank.
6. Wajib mempunyai paling kurang satu anggota yang 6. Required to have at least one member with an
berlatar belakang pendidikan dan keahlian di bidang educational background and expertise in accounting
akuntansi dan keuangan. and/or finance.
7. Wajib mempunyai paling kurang satu anggota yang 7. Required to have at least one member who has expertise
memiliki keahlian di bidang perbankan syariah. in 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 the Independent Commissioner.
Komisaris Independen.
10. Tidak memiliki saham langsung maupun tidak langsung 10. Having no direct or indirect shares in the Bank.
pada Bank.
11. Tidak memiliki hubungan afiliasi dengan anggota Dewan 11. Having no affiliation with members of the Board of
Komisaris, anggota Direksi, atau Pemegang Saham Commissioners, the Board of Directors, or Major
Utama Bank Muamalat Indonesia. Shareholders of Bank Muamalat Indonesia.
12. Tidak memiliki hubungan usaha, baik langsung maupun 12. Having no business relationships, directly or indirectly,
tidak langsung yang berkaitan dengan kegiatan usaha related to the business activities of Bank Muamalat

Uraian tugas dan tanggung jawab Komite Audit pada Piagam The duties and responsibilities of Audit Committee according
Komite Audit adalah sebagai berikut: to Audit Committee Charter are as follow:
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 advising the Board of Commissioners
Komisaris terkait dengan adanya potensi benturan 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. Maintaining 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, Audit
Komite Audit wajib melakukan pemantauan dan evaluasi Committee is required to monitor and evaluate the
paling sedikit: following:

a. Pelaksanaan tugas satuan kerja audit intern; a. Duties implementation of internal audit unit;
b. Kesesuaian pelaksanaan audit oleh Akuntan Publik b. Audit conformity by a Public Accountant with auditing
dengan standar audit; 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 by 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 duties implementation
tugas Satuan Kerja Audit Intern (SKAI), Komite Audit of the Internal Audit Unit (IAU), Audit Committee is
bertanggung jawab antara lain: responsible for the following:
a. Memantau dan mengkaji efektivitas pelaksanaan a. Monitoring and reviewing the effectiveness of the
audit intern Bank; Bank’s 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 performing duties;
tugas;
e. Memberikan rekomendasi kepada Dewan Komisaris e. Providing recommendations to the Board of
terkait penyusunan rencana audit, ruang lingkup dan Commissioners regarding audit plan preparation, as
anggaran SKAI; well as IAU scope and budget;
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
secara cepat dan akurat; rapidly and accurately;
g. Memberikan rekomendasi kepada Dewan Komisaris g. Providing 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. Providing recommendations to the Board of
Komisaris terkait persetujuan pengangkatan dan Commissioners regarding approval for the
pemberhentian kepala SKAI, penetapan piagam appointment and dismissal of the Head of IAU, the
audit intern dan penunjukan pengendali mutu establishment of an internal audit charter, and the
independen dari pihak ekstern untuk melakukan kaji appointment of an independent quality controller
ulang terhadap kinerja SKAI. from an external party to review IAU performance.
7. Dalam pemantauan dan evaluasi pelaksanaan audit oleh 7. In monitoring and evaluating audits by a Public
Kantor Akuntan Publik, Komite Audit bertanggung jawab Accounting Firm, Audit Committee is responsible for the
antara lain: following:
a. Memberikan rekomendasi kepada Dewan Komisaris a. Providing 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. Providing 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 a Public
historis tahunan oleh Akuntan Publik dan/atau Accountant and/or Public Accounting Firm, including:
Kantor Akuntan Publik paling kurang melalui:
i. Kesesuaian pelaksanaan audit oleh Akuntan i. 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;

ii. Kecukupan waktu pekerjaan lapangan; ii. Sufficient time for field work;
iii. Pengkajian cakupan jasa yang diberikan dan iii. Assessment of the scope of services provided
kecukupan uji petik; dan and the adequacy of sampling test; and
iv. Rekomendasi perbaikan yang diberikan oleh iv. 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, Audit
Komite Audit bertanggung jawab antara lain: Committee is responsible for the following:
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 AUDIT COMMITTEE AUTHORITIES

Wewenang yang dimiliki Komite Audit tertuang pada Piagam Audit Committee has the authorities as contained in the
Komite Audit yang diantaranya adalah: Audit Committee Charter, which include:
1. Mengakses dokumen, data, dan informasi Bank tentang 1. Accessing the Bank’s documents, data, and information
karyawan, dana, aset, dan sumber daya Bank yang regarding the Bank’s employees, funds, assets, and
diperlukan. resources as needed.
2. Berkomunikasi langsung dengan karyawan, termasuk 2. Communicating directly with employees, including the
Direksi dan pihak yang menjalankan fungsi audit Board of Directors and those who function the internal
internal, manajemen risiko, dan akuntan terkait tugas audit, risk management, and accountants related to the
dan tanggung jawab Komite Audit. duties and responsibilities of the Audit Committee.
3. Melibatkan pihak independen di luar anggota Komite 3. Involving independent parties outside the Audit
Audit yang diperlukan untuk membantu pelaksanaan Committee members who are needed to assist in
tugasnya. running duties.
4. Menerima tembusan Laporan Hasil Audit Intern yang 4. Receiving a copy of the Internal Audit Report submitted
disampaikan ke Direktur Utama. to the President Director.
5. Melakukan kewenangan lain yang diberikan oleh Dewan 5. Performing other authorities granted by the Board of
Komisaris. Commissioners
KETENTUAN MASA JABATAN TERM OF OFFICE

Masa jabatan anggota Komite Audit Bank Muamalat telah The term of office for Audit Committee Members of Bank
merujuk pada peraturan perundangan yang berlaku, yakni Muamalat refers to the applicable laws and regulations. The
masa jabatan anggota Komite Audit tidak boleh lebih lama term is required to be no longer than the term of office of the
dari masa jabatan Dewan Komisaris dan dapat dipilih Board of Commissioners and can be re-elected only for one
kembali hanya untuk satu periode berikutnya. subsequent term.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND BASIS OF APPOINTMENT

KOMITE AUDIT OF AUDIT COMMITTEE
Merujuk pasal 36 Peraturan Bank Indonesia Nomor 11/33/ Referring to article 36 of Bank Indonesia Regulation No.
PBI/2009 tentang Pelaksanaan Good Corporate Governance 11/33/PBI/2009 regarding the Implementation of Good
bagi Bank Umum Syariah dan Unit Usaha Syariah, komposisi Corporate Governance for Sharia Commercial Banks and
Anggota Komite Audit paling kurang terdiri dari seorang Sharia Business Units, the composition of Audit Committee
Komisaris Independen, seorang pihak independen yang members consists of at least one Independent Commissioner,
memiliki keahlian di bidang akuntansi keuangan dan independent parties with expertise in financial accounting
seorang pihak independen yang memiliki keahlian di bidang and sharia banking.
perbankan syariah.

Berikut komposisi dan dasar hukum pengangkatan Komite The following are the composition and legal basis for the
Audit bank Muamalat Indonesia per 31 Desember 2022: appointment of the Audit Committee of Bank Muamalat
Indonesia as of December 31, 2022:
Nama Jabatan Dasar Hukum Pengangkatan Keterangan

Name Position Legal Basis for Appointment Description
Mardiasmo*) Ketua Surat Keputusan Direksi No. 035/B/DIR-KPTS/XII/2022 tentang Komisaris Independen
Chairman Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 16 Independent Commissioner
Desember 2022.
The Board of Directors Decree No. 035/B/DIR-KPTS/XII/2022
regarding Audit Committee of PT Bank Muamalat Indonesia Tbk as
of December 16, 2022.
Sartono*) Anggota Surat Keputusan Direksi No. 035/B/DIR-KPTS/XII/2022 tentang Komisaris Independen
Member Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 16 Independent Commissioner
Desember 2022.
Suwarta*) Anggota Surat Keputusan Direksi No. 035/B/DIR-KPTS/XII/2022 tentang Komisaris Independen
Member Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 16 Independent Commissioner
Desember 2022.
Dwi Sasongko Anggota Surat Keputusan Direksi No. 035/B/DIR-KPTS/XII/2022 tentang Pihak Independen ahli di
Member Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 16 bidang akutansi keuangan
Desember 2022. Independent Party who is
The Board of Directors Decree No. 035/B/DIR-KPTS/XII/2022 an expert in the financial
regarding Audit Committee of PT Bank Muamalat Indonesia Tbk as accounting sector
Tika Arudina Anggota Surat Keputusan Direksi No. 005/B/DIR-KPTS/II/2022 tentang Pihak Independen ahli di
Member Komite Audit PT Bank Muamalat Indonesia Tbk tanggal 17 Februari bidang Perbankan syariah
2022. Independent party who
The Board of Directors Decree No. 035/B/DIR-KPTS/XII/2022 is an expert in the sharia
regarding Audit Committee of PT Bank Muamalat Indonesia Tbk as banking sector
*)
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
Mardiasmo
Ketua
Chairman
Profil lengkap disajikan pada bab “Profil Perusahaan.” The complete profile is presented in the chapter “Company
Profile.”

Sartono
Anggota
Member
Profile.”
Suwarta
Anggota
Member
Profile.”

Dwi Sasongko
Anggota
Member

Citizen
Domisili Banten Banten
Domicile
Age
Dasar Hukum Diangkat menjadi Anggota Komite Audit PT Bank Appointed as Member of the Audit Committee of
Pengangkatan Muamalat Indonesia Tbk Surat Keputusan Direksi PT Bank Muamalat Indonesia Tbk based on Decree of
Legal Basis for Appointment No. 032/B/DIR-KPTS/XII/2019 tentang Komite Audit PT the Board of Directors No. 032/B/DIRKPTS/XII/2019 on
Bank Muamalat Indonesia Tbk tanggal 5 Desember the Audit Committee of PT Bank Muamalat Indonesia
2019 Tbk dated December 5, 2019.
Riwayat Pendidikan Sarjana Ekonomi dan Akuntansi dari Universitas Bachelor of Economics and Acountant from
Education Background Diponegoro Semarang (1987) Diponegoro University Semarang (1987)
Rangkap Jabatan • Anggota Komite PT Radana Bhaskara Finance Tbk • PT Radana Bhaskara Finance Tbk-Member of
Dual Position • Anggota Komite CSUL Finance Committee
• CSUL Finance-Member of Committee
Pengalaman Kerja • Head of Internal Audit di PT Bank Permata Tbk • Head of Internal Audit at PT Bank Permata Tbk
Work Experience (2006-2012) (2006-2012)
• Head of Division PT Bank Niaga Tbk (1991-2006) • Head of Division at PT Bank CIMB Niaga Tbk (1991-
2006)
• Auditor Kantor Akuntan Publik Tahrir Hidayat (1987- • Auditor of Public Accounting Firm Tahrir Hidayat
1988) (1987-1988)
Affiliated Relations hubungan keuangan maupun kekeluargaan dengan kinship, with members of the Sharia Supervisory
anggota Dewan Komisaris, anggota Direksi dan Board, members of the Board of Commissioners,
Pemegang Saham Utama maupun Pemegang Saham members of the Board of Directors, and Major
Pengendali Shareholders or Controlling Shareholders
Kualifikasi Pihak independen yang memiliki keahlian dalam An independent party with expertise in financial
Qualification bidang akuntansi keuangan dan audit. accounting and audit.

Tika Arudina
Anggota
Member

Citizen
Domicile
Age
Dasar Hukum Diangkat menjadi Anggota Komite Audit PT Bank Appointed as Member of the Audit Committee of
Pengangkatan Muamalat Indonesia Tbk Surat Keputusan Direksi No. PT Bank Muamalat Indonesia Tbk based on Decree of
Legal Basis for Appointment 005/B/DIR-KPTS/II/2022 tentang Komite Audit PT Bank the Board of Directors No. 005/B/DIR-KPTS/II/2022 on
Muamalat Indonesia Tbk tanggal 17 Februari 2022 the Audit Committee of PT Bank Muamalat Indonesia
Tbk dated February 17, 2022.
Riwayat Pendidikan • Sarjana Ekonomi dari Universitas Indonesia • Bachelor of Economics from University of Indonesia
Education Background • Master of Science (Finance) dari International Islamic • Master of Science (Finance) from International
University Malaysia (2010) Islamic University Malaysia (2010)
• Ph.d. bidang Islamic Banking and Finance dari • Ph.d. in Islamic Banking and Finance from
International Islamic University Malaysia (2014) International Islamic University Malaysia (2014)
Rangkap Jabatan • Ketua Program Studi Ilmu Ekonomi Islam Fakultas • Head of the Islamic Economics Study Program, Faculty
Dual Position Ekonomi dan Bisnis Universitas Indonesia of Economics and Business, University of Indonesia
• Anggota Komite Audit dan Komite Pemantau Risiko • Member of Audit Committee and Risk Monitoring
Bank BTPN Syariah Committee of Bank BTPN Syariah
Pengalaman Kerja - -
Work Experience
Kualifikasi Pihak independen yang memiliki keahlian dalam An independent party with expertise in financial
Qualification bidang akuntansi keuangan dan audit. accounting and audit.
INDEPENDENSI KOMITE AUDIT AUDIT COMMITTEE INDEPENDENCE

Anggota Komite Audit yang berasal dari pihak independen Independent parties of Audit Committee Members are
dituntut untuk dapat profesional dan independen tanpa required to be professional and independent without
campur tangan dari pihak manapun yang tidak sesuai dengan interference from any party that is not in accordance with
peraturan perundang-undangan dalam melaksanakan the laws and regulations in performing functions and duties.
fungsi dan tugasnya.

Aspek Independensi Tika

Dwi Sasongko
Independence Aspect Arundina
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi √ √
Having no financial relationship with the Board of Commissioners and Board of Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasi √ √
Having no management relationship in the Company, subsidiaries, or affiliated companies
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasi √ √
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite √ √
Nominasi, Remunerasi dan GCG
Having 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, the Bank’s Audit
Bank tidak memiliki hubungan keluarga maupun hubungan Committee members 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
Hubungan Keluarga dengan Hubungan Keuangan dengan Kepengurusan
Nama Jabatan Family Relationship with Financial Relationship with Management
Name Position Relationship

Dwi Anggota √ √ √ √ √ √ √
Sasongko Member
Tika Anggota √ √ √ √ √ √ √
Arudina Member
RAPAT KOMITE AUDIT AUDIT COMMITTEE MEETING

Kebijakan Rapat Komite Audit Bank Muamalat mengatur Bank Muamalat stipulated Meeting Policy for Audit
bahwa rapat Komite Audit wajib diselenggarakan Committee, which required holding a meeting at least 1 (one)
sedikitnya 1 (satu) kali dalam 3 (tiga) bulan. Rapat dapat time in 3 (three) months. The meetings can be declared valid
dinyatakan sah apabila dihadiri oleh paling kurang 51% if attended by at least 51% (fifty-one percent) of the members,
(lima puluh satu persen) dari anggota termasuk seorang including the Independent Commissioner and members
Komisaris Independen dan anggota yang berasal dari pihak from independent parties. This policy refers to Financial
independen. Kebijakan tersebut mengacu pada Peraturan Services Authority Regulation (FSAR) No. 55/POJK.04/2015
Otoritas Jasa Keuangan (POJK) Nomor 55/POJK.04/2015 on the Establishment and Work Implementation Guidelines
tentang Pembentukan dan Pedoman Pelaksanaan Kerja of the Audit Committee and is regulated in Audit Committee
Komite Audit serta diatur dalam Piagam Komite Audit. Charter.
Selain itu, hasil rapat Komite Audit juga harus dituangkan Furthermore, the Audit Committee meeting resolution must
ke dalam risalah rapat dan didokumentasikan dengan baik, be recorded in the minutes of the meeting and properly
termasuk apabila terdapat perbedaan pendapat (dissenting documented, including in the event of a dissenting opinion,
opinion), yang ditandatangani oleh seluruh anggota Komite which is signed by the entire Audit Committee members
Audit yang hadir dan disampaikan kepada Dewan Komisaris. present and submitted to the Board of Commissioners.

Hingga akhir tahun buku 2022, Komite Audit menggelar Until the end of 2022 fiscal year, Audit Committee held 4
rapat sebanyak 4 (empat) kali rapat dengan rincian sebagai (four) meetings with the following details.
berikut:

Tanggal Agenda Rapat Peserta Rapat

No
Date Meeting Agenda Meeting Participants
1 22 Maret 2022 1. KAP DBSDA • Iggi H. Achsien*)

March 22, 2022 2. Update Internal Audit • Dwi Sasongko
1. PAF DBSDA • Tika Arundina
2. Internal Audit Update
2 28 Juni 2022 1. Pembahasan Notulen Meeting Periode Sebelumnya • Iggi H. Achsien*)
June 28, 2022 2. Rencana Audit vs Realisasi • Dwi Sasongko
3. Hasil Audit Terkini • Tika Arundina
4. Status Tindak Lanjut Hasil Audit (Internal dan OJK)
1. Discussion of Minutes of the Previous Meeting
2. Audit vs Realization Plan
3. The Latest Audit Result
4. Follow-up Status of Audit Results (Internal and FSA)
3 30 September 2022 1. Status Rekomendasi Komite Audit Sebelumnya • Iggi H. Achsien*)
September 30, 2022 2. Realisasi Pelaksanaan Audit Plan 2022 • Dwi Sasongko
3. Highlight Audit Findings • Tika Arundina
4. Status Pemenuhan Komitmen Hasil Audit
1. Status of Previous Audit Committee Recommendations
2. Implementation Realization of 2022 Audit Plan
3. Highlight Audit Findings
4. Status of Audit Result Commitments Fulfillment
4 23 Desember 2022 1. Kick Off KAP DBSDA • Mardiasmo**)
December 23, 2022 2. Update Internal Audit • Sartono
1. DBSDA KAP Kick Off • Suwarta**)
2. Internal Audit Update • Dwi Sasongko
• Tika Arundina
*)
**)
Adapun tingkat kehadiran masing-masing anggota komite Attendance level of each committee members are as follows:
adalah sebagai berikut:
Persentase Kehadiran
No Attendance
Name Position Number of Meetings Total Attendance
Percentage (%)
1 Mardiasmo*) Ketua 1 1 100
Chairman
2 Sartono Anggota 1 1 100
Member
3 Suwarta*) Anggota 1 1 100
Member
4 Dwi Sasongko Anggota 4 4 100
Member
5 Tika Arudina Anggota 4 4 100
Member
*)
PENGEMBANGAN KOMPETENSI KOMITE AUDIT COMPETENCY DEVELOPMENT OF THE AUDIT

COMMITTEE
Bank Muamalat senantiasa mendorong Komite Audit untuk Bank Muamalat always encouraged Audit Committee to
melakukan pengembangan kompetensi melalui pelatihan- develop competence through training in 2022. Detailed
pelatihan pada tahun 2022. Informasi lengkap mengenai hal information regarding competence development is available
ini disampaikan dalam bab “Profil Perusahaan”. in the "Company Profile" chapter.

PELAKSANAAN TUGAS KOMITE AUDIT DUTIES IMPLEMENTATION OF AUDIT

COMMITTEE
Dalam rangka melaksanakan tugas dan tanggung jawabnya In the context of performing duties and responsibilities as
sebagai organ pendukung Dewan Komisaris, di tahun 2022 a supporting organ of the Board of Commissioners, the
Komite Audit Bank Muamalat telah menyampaikan beberapa Audit Committee of Bank Muamalat submitted several
rekomendasi antara lain sebagai berikut: recommendations in 2022, including:
1. Peningkatan kualifikasi auditor agar senantiasa dilakukan 1. Improvement of auditor qualifications should always be
antara lain melalui program pelatihan baik melalui tatap carried out, including through face-to-face and online
muka maupun secara daring. training programs.
2. Terus mengupayakan pengembangan combine assurance, 2. Continue striving to develop combined assurance
dan menyampaikan milestone rencana pengembangan and submit milestones for the next internal audit
internal audit selanjutnya. development plan.
3. Perbaikan pada mekanisme perubahan/perpanjangan 3. Improvements to the mechanism for changing/extending
target waktu penyelesaian komitmen tindak lanjut hasil the target time for completing follow-up commitments
audit perlu dilakukan, agar pemenuhan komitmen tindak on audit results need to be made to rapidly fulfill follow-
lanjut hasil audit tidak berlarut-larut. up commitments on audit results.
4. Perlu dilakukan kaji ulang atas penetapan KPI kepada 4. It is necessary to review KPI determination to audit,
audit khususnya yang memiliki komitmen tindak lanjut especially those with follow-up commitments that have
telah melewati batas waktu. passed the deadline.
5. Diupayakan atas setiap temuan audit dilengkapi dengan 5. Each audit finding is equipped with information that the
informasi bahwa temuan tersebut merupakan temuan finding is a recurring finding or not so that the provision
berulang atau tidak, sehingga pemberian rekomendasi of audit recommendations includes preventive action,
audit termasuk pada preventive action yaitu perbaikan namely improvements to the source of the issues.
terhadap sumber penyebab terjadinya permasalahan.
6. Pelanggaran basic control pada pelaksanaan audit yang 6. Violations of basic control in audits found in branches/
ditemukan di cabang/unit kerja, agar dipertimbangkan work units are considered an assessment factor in
untuk menjadi faktor penilaian dalam memberikan Audit providing Audit ratings.
Rating.
7. Pada penyusunan rencana kerja audit tahun 2023 agar 7. Considering the unresolved regulatory findings in the
memperhatikan adanya temuan regulator yang belum preparation of the 2023 audit work plan.
terselesaikan.

Komite Nominasi dan Remunerasi

Pembentukan Komite Nominasi dan Remunerasi bertujuan The establishment of the Nomination and Remuneration
untuk menilai, memantau, mengevaluasi dan memastikan Committee purposed to assess, monitor, evaluate, and
pelaksanaan sistem nominasi dan remunerasi Bank ensure the implementation of Bank Muamalat's nomination
Muamalat sesuai dengan peraturan perundang-undangan and remuneration system following the applicable laws and
yang berlaku dan prinsip kehati-hatian. Komite ini juga regulations as well as prudential principles. This committee
ditujukan untuk memberikan rekomendasi kepada Dewan also intends to provide recommendations to the Board of
Komisaris atas hasil evaluasi mengenai kesesuaian antara Commissioners on the evaluation results regarding the
sistem nominasi dan remunerasi dengan pelaksanaan suitability of the nomination and remuneration system with
kebijakan di internal Bank. policies implemented within the Bank.
Komite Nominasi dan Remunerasi dapat melaksanakan The Nomination and Remuneration Committee may carry
tugas lain yang diberikan oleh Dewan Komisaris sepanjang out other tasks assigned by the Board of Commissioners
tugas tersebut masih dalam lingkup tugas dan kewajiban as long as the task is still within the scope of the duties
Dewan Komisaris berdasarkan Anggaran Dasar Bank dan and obligations of the Board of Commissioners based on
peraturan perundang-undangan yang berlaku. the Bank's Articles of Association and applicable laws and
regulations.

Pembentukan Komite Nominasi dan Remunerasi Bank The establishment of the Nomination and Remuneration
Muamalat Indonesia berpedoman pada ketentuan sebagai Committee of Bank Muamalat Indonesia is based on the
berikut: following provisions:
1. Peraturan Bank Indonesia No. 11/33/PBI/2009 tanggal 1. Bank Indonesia Regulation No. 11/33/PBI/2009 as of
7 Desember 2009 tentang Pelaksanaan Good Corporate December 7, 2009, regarding the Implementation of
Governance bagi Bank Umum Syariah dan Unit Good Corporate Governance for Sharia Commercial
UsahaSyariah. Banks and Sharia Business Units.
2. Peraturan OJK No. 34/POJK.04/2014 tentang Komite 2. FSA Regulation No. 34/POJK.04/2014 regarding the
Nominasi dan Remunerasi Emiten atau Perusahaan Nomination and Remuneration Committee of Issuers or
Publik Public Companies.
3. Surat Edaran Bank Indonesia No. 12/13/DPbS tanggal 3. Bank Indonesia Circular No. 12/13/DPbS on April 30,
30 April 2010 perihal Pelaksanaan Good Corporate 2010, regarding the Implementation of Good Corporate
4. Anggaran Dasar Bank tentang tugas dan wewenang 4. The Bank’s Articles of Association regarding duties and
Dewan Komisaris. authorities of the Board of Commissioners.
PEDOMAN KERJA/PIAGAM KOMITE NOMINASI WORK GUIDELINES/CHARTER FOR NOMINATION

DAN REMUNERASI AND REMUNERATION COMMITTEE
Komite Nominasi dan Remunerasi Bank Muamalat Bank Muamalat established a charter for the Nomination
telah memiliki piagam sebagai pedoman komite dalam and Remuneration Committee as a guideline for performing
menjalankan tugas dan fungsinya. Adapun fungsi dari komite duties and functions. The Nomination and Remuneration
Nominasi dan Remunerasi antara lain, mengatur struktur Committee regulates the structure and membership,
dan keanggotaan, persyaratan keanggotaan, tugas dan membership requirements, duties and responsibilities,
tanggung jawab, wewenang, kode etik, program kerja, dan authority, code of ethics, work program, and committee
pelaporan komite. Piagam Komite Nominasi dan Remunerasi reporting. The Nomination and Remuneration Committee
dan susunan keanggotaan komite telah diperbarui sesuai Charter and the composition of the committee members
dengan perubahan susunan pengurus Perseroan pada have been updated in accordance with the changes in the
RUPSLB tahun 2022 dan akan terus diperbarui sesuai composition of the Company management at the EGMS
dengan perkembangan regulasi yang berlaku serta kondisi in 2022 and will continue to be updated following the
terkini dari Bank. development of applicable regulations and the current
conditions of the Bank.

KRITERIA ANGGOTA KOMITE NOMINASI DAN MEMBERSHIP CRITERIA OF THE AUDIT

REMUNERASI COMMITTEE
Anggota Komite Nominasi dan Remunerasi wajib memenuhi Members of the Nomination and Remuneration Committee
persyaratan sebagai berikut: must meet the following requirements:
1. Mempunyai keseimbangan antara keahlian dan 1. Having balance of skills and experience with a broad
pengalaman dengan latar belakang pemahaman yang background understanding of Bank Muamalat
luas mengenai proses bisnis Bank Muamalat Indonesia Indonesia's business processes in general.
secara umum.
2. Berkewajiban memiliki integritas, akhlak dan moral yang 2. Obliged to have integrity, good character and morals.
baik.
3. Memiliki kompetensi dan pengalaman yang cukup di 3. Having sufficient competence and experience in the
bidang: following sectors:
a. Peraturan Perundang-undangan (pemahaman a. The laws and regulations (in-depth understanding
mendalam mengenai konsep dan praktik peraturan of the concepts and practices of legislation, banking,
perundangan, perbankan, Good Corporate Good Corporate Governance).
Governance).
b. Proses bisnis perbankan syariah. b. Islamic banking business process.
4. Berkewajiban memiliki sikap yang independen, objektif 4. Having independent, objective and professional attitude.
dan profesional.
5. Berkewajiban memiliki dedikasi, pemahaman yang baik 5. Obliged to have dedication, a good understanding of the
tentang organisasi, lingkungan bisnis, risiko maupun organization, business environment, risks and controls.
pengendalian.
6. Berkewajiban memiliki kemampuan komunikasi yang 6. Required to have good communication skills.
baik.
7. Tidak memiliki kepentingan/keterkaitan pribadi yang 7. Having no personal interest/relationship that may
dapat menimbulkan dampak negatif dan konflik bring negative impacts and conflict of interests on Bank
kepentingan terhadap Bank Muamalat Indonesia, Muamalat Indonesia, such as:
seperti:
a. Mempunyai ikatan keluarga sedarah dan semenda a. Having family bound by blood and marriage up to
sampai derajat kedua baik menurut garis lurus the second degree both vertically and horizontally
maupun garis ke samping dengan staf dan pegawai with the staff and employees or Management of
atau Jajaran Manajemen Bank Muamalat Indonesia. Bank Muamalat Indonesia.
b. Mempunyai ikatan dengan rekanan Bank Muamalat b. Having bound with Bank Muamalat Indonesia's
Indonesia, pihak-pihak lain yang dilarang menurut partners, other parties that are prohibited according
ketentuan perundang- undangan maupun peraturan to the provisions of the legislation and other
lain yang berlaku. applicable regulations.
8. Anggota komite yang berasal dari pihak independen 8. Committee members who come from independent
wajib memenuhi syarat: parties are obliged to fulfill the following requirements:
a. Tidak mempunyai hubungan Afiliasi dengan Bank a. Having no affiliation with Bank Muamalat Indonesia,
Muamalat Indonesia, anggota Direksi, anggota members of the Board of Directors, the Board of
Dewan Komisaris, atau Pemegang Saham Utama Commissioners, or Major Shareholders of Bank
Bank Muamalat Indonesia. Muamalat Indonesia.
b. Memiliki pengalaman terkait Nominasi dan/atau b. Having experience related to Nomination and/or
Remunerasi. Remuneration.
c. Tidak merangkap jabatan sebagai anggota komite c. Not concurrently serving as a member of other
lainnya yang dimiliki Bank Muamalat Indonesia. committees owned by Bank Muamalat Indonesia.
TUGAS DAN TANGGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF

NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION
COMMITTEE
Berikut adalah tugas dan tanggung jawab Komite Nominasi The followings 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 performing functions.

Terkait dengan kebijakan nominasi. Related to the nomination policy:

1. Memberikan rekomendasi kepada Dewan Komisaris 1. Providing 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. Providing proposals for candidates who qualify as
sebagai anggota Direksi, anggota Dewan Komisaris dan members of the Board of Directors, the Board of
Dewan Pengawas Syariah kepada Dewan Komisaris Commissioners, and the Sharia Supervisory Board to the
untuk disampaikan kepada RUPS. Board of Commissioners to be submitted to the GMS.
mengenai kebijakan dan kriteria yang dibutuhkan dalam Commissioners regarding policies and criteria needed
proses nominasi dan kebijakan evaluasi kinerja bagi in the nomination process and performance evaluation
anggota Direksi dan/atau anggota Dewan Komisaris. policies for members of the Board of Directors and/or
members of the Board of Commissioners.
4. Membantu Dewan Komisaris melakukan penilaian 4. Assisting 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 the Board of Commissioners based on the prepared
sebagai bahan evaluasi. benchmarks as the evaluation material.
mengenai program pengembangan kemampuan Commissioners regarding the capacity-building program
anggota Direksi dan/atau anggota Dewan Komisaris. for members of the Board of Directors and/or members
of the Board of Commissioners.
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 Commissioners regarding candidates for independent
anggota Komite. parties who will become the Committee members.
Terkait dengan kebijakan remunerasi: Related to the remuneration policy:

1. Melakukan evaluasi terhadap kebijakan remunerasi. 1. Evaluating the remuneration policy.
2. Melakukan evaluasi terhadap kesesuaian antara 2. Evaluating the suitability of the remuneration policy and
kebijakan remunerasi dengan pelaksanaan kebijakan the policy implementation.
tersebut.
mengenai kebijakan remunerasi bagi Dewan Komisaris, Commissioners regarding the remuneration policy for
Direksi, Dewan Pengawas Syariah, Pejabat Eksekutif dan the Board of Commissioners, Board of Directors, Sharia
karyawani secara keseluruhan. Supervisory Board, Executive Officers, and employees.
Komite Nominasi dan Remunerasi dalam menjalankan tugas In running duties related to remuneration, the Nomination
terkait dengan remunerasi, setidaknya perlu memerhatikan: and Remuneration Committee is required to at least 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 Bank d. Consideration of the Bank’s long-term goals and
strategies

WEWENANG KOMITE NOMINASI DAN AUTHORITIES FOR NOMINATION AND

REMUNERASI REMUNERATION COMMITTEE
Selain wewenang yang diatur pada Piagam Komite Nominasi Apart from the authority in the Nomination and
dan Remunerasi, Komite juga berwenang untuk mengakses Remuneration Committee Charter, the Committee is also
dokumen, data, dan informasi yang diperlukan dari Bank authorized to access the necessary documents, data, and
Muamalat Indonesia. Komite Nominasi dan Remunerasi information from Bank Muamalat Indonesia. The Nomination
juga dapat melibatkan pihak independen di luar anggota and Remuneration Committee may involve independent
komite untuk membantu pelaksanaan tugasnya serta parties outside the committee members to assist in duties
melaksanakan kewenangan lain yang diberikan oleh Dewan implementation and carry out other authorities assigned by
Komisaris, apabila dianggap perlu. the Board of Commissioners, if necessary.
KETENTUAN MASA JABATAN KOMITE TERM OF OFFICE FOR NOMINATION AND

NOMINASI DAN REMUNERASI REMUNERATION COMMITTEE
Ketentuan Bank Muamalat atas masa tugas anggota Komite Bank Muamalat provisions on the term of office for
Nominasi dan Remunerasi adalah sebagai berikut: Nomination and Remuneration Committee members are as
follows:
1. Masa tugas anggota Komite Nominasi dan Remunerasi 1. The term of office of the Nomination and Remuneration
tidak boleh lebih lama dari masa jabatan Dewan Committee members shall not exceed the term of office
Komisaris dan dapat diangkat kembali. of the Board of Commissioners and may be reappointed.
2. Bagi anggota Komite yang bukan berasal dari Dewan 2. For Committee members who are not from the Board
Komisaris, pergantiannya paling lambat dilakukakan 60 of Commissioners, the replacement shall be carried out
(enam puluh) hari sejak anggota Komite Nominasi dan no later than 60 (sixty) days since the Nomination and
Remunerasi dimaksud tidak dapat lagi melaksanakan Remuneration Committee member can no longer carry
fungsinya. out his/her functions.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND APPOINTMENT BASIS

KOMITE NOMINASI DAN REMUNERASI OF NOMINATION AND REMUNERATION
COMMITTEE
Merujuk pada pasal 35 Peraturan Bank Indonesia Nomor Refer to article 35 of Bank Indonesia Regulation No. 11/33/
11/33/PBI/2009 tentang Pelaksanaan Good Corporate PBI/2009 concerning the Implementation of Good Corporate
Governance bagi Bank Umum Syariah dan Unit Usaha Syariah, Governance for Sharia Commercial Banks and Sharia
komposisi anggota Komite Nominasi dan Remunerasi paling Business Units, the composition of the Nomination and
kurang terdiri dari 2 (dua) orang Komisaris Independen Remuneration Committee members at least consists of 2
dan seorang perjabat eksekutif yang membawahi Sumber (two) Independent Commissioners and an executive officer
Daya Manusia. Sementara pasal 3 Peraturan Otoritas Jasa in charge of Human Resources. Meanwhile, Article 3 of the
Keuangan No. 34/ POJK.04/2014 tentang Komite Nominasi Financial Services Authority Regulation No. 34/POJK.04/2014
dan Remunerasi Emiten atau Perusahaan Publik mengatur regarding the Nomination and Remuneration Committee of
bahwa anggota Komite Nominasi dan Remunerasi paling Issuers or Public Companies stipulates that the Nomination
kurang terdiri dari 3 (tiga) orang anggota, dengan ketentuan: and Remuneration Committee consists of at least 3 (three)
seorang ketua merangkap anggota, yang merupakan members, provided that a chairman who is concurrently a
Komisaris Independen dan anggota lainnya dapat berasal member, who is an Independent Commissioner and other
dari anggota Dewan Komisaris, pihak yang berasal dari luar members may come from the Board of Commissioners
Bank, atau pihak yang menduduki jabatan manajerial di members, parties from outside the Bank, or parties who
bawah Direksi yang membidangi sumber daya manusia. hold managerial positions under the Board of Directors in
charge of human resources.

Berikut komposisi dan dasar hukum pengangkatan Komite The following is the composition and legal basis of the
Nominasi dan Remunerasi Bank Muamalat Indonesia per 31 appointment to the Nomination and Remuneration
Desember 2022: Committee of Bank Muamalat Indonesia as of December 31,
2022:

Amin Said Husni Ketua Surat Keputusan Direksi No. 037/DIR/KPTS/XII/2022 tanggal 12 Komisaris Independen
Chairman Desember 2022 tentang Komite Nominasi dan Remunerasi Independent Commissioner
Board of Directors Decree No. 037/DIR/KPTS/XII/2022 dated
December 12, 2022 on the Nomination and Remuneration
Committee
Suwarta*) Anggota Surat Keputusan Direksi No. 037/DIR/KPTS/XII/2022 tanggal 12 Komisaris Independen
Member Desember 2022 tentang Komite Nominasi dan Remunerasi Independent Commissioner
Committee
Andre Mirza Anggota Surat Keputusan Direksi No. 037/DIR/KPTS/XII/2022 tanggal 12 Komisaris
Hartawan Member Desember 2022 tentang Komite Nominasi dan Remunerasi Commissioner
Committee
Riksa Prakoso Anggota Surat Keputusan Direksi No. 037/DIR/KPTS/XII/2022 tanggal 12 Pejabat Eksekutif
Member Desember 2022 tentang Komite Nominasi dan Remunerasi Executive Officer
Committee
*)
PROFIL KOMITE NOMINASI DAN REMUNERASI NOMINATION AND REMUNERATION

COMMITTEE PROFILE
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.
Amir Said Husni

Ketua
Chairman
Profile.”

Suwarta
Anggota
Member
Profile.”

Anggota
Member
Profile.”
Riksa Prakoso
Anggota
Member
Profile.”

INDEPENDENSI KOMITE NOMINASI DAN INDEPENDENCE OF NOMINATION AND

REMUNERASI REMUNERATION COMMITTEE
Anggota Komite Nominasi dan Remunerasi yang berasal Nomination and Remuneration Committee members
dari pihak independen dituntut untuk dapat bekerja from independent parties must work professionally and
secara profesional dan independen tanpa campur tangan independently without interference from any party that is
dari pihak manapun yang tidak sesuai dengan peraturan not following the laws and regulations in running functions
perundang-undangan dalam melaksanakan fungsi dan and duties. Considering that no members of the Nomination
tugasnya. Mengingat tidak terdapat anggota Komite and Remuneration Committee of Bank Muamalat Indonesia
Nominasi dan Remunerasi Bank Muamalat Indonesia yang come from independent parties, this related information is
berasal dari pihak independen maka keterangan terkait ini not explained further in this annual report.
tidak dijelaskan lebih lanjut pada laporan tahunan ini.
RAPAT KOMITE NOMINASI DAN REMUNERASI MEETING OF NOMINATION AND

REMUNERATION COMMITTEE

Komite Nominasi dan Remunerasi Bank Muamalat wajib The nomination and Remuneration Committee of Bank
menyelenggarakan rapat paling sedikit sebanyak 1 (satu) Muamalat holds meetings at least 1 (one) time in 4 (four)
kali dalam 4 (empat) bulan. Rapat dimaksud dinyatakan sah months. Meetings can be declared valid if attended by the
apabila dihadiri oleh mayoritas dari jumlah anggota Komite majority of members of the Nomination and Remuneration
Nominasi dan Remunerasi dan salah satu dari mayoritas Committee, and one of the majority of members attending
jumlah anggota Komite Nominasi dan Remunerasi tersebut the meeting is the Chairman of the Nomination and
merupakan Ketua Komite Nominasi dan Remunerasi. Hal Remuneration Committee. This is in accordance with FSA
tersebut sesuai dengan Peraturan Otoritas Jasa Keuangan Regulation No. 34/POJK.04/2014 on the Nomination and
No. 34/POJK.04/2014 tentang Komite Nominasi dan Remuneration Committee of Issuers or Public Companies
Remunerasi Emiten atau Perusahaan Publik serta dalam and is regulated in the Nomination and Remuneration
Piagam Komite Nominasi dan Remunerasi. Committee Charter.
Hasil rapat Komite harus dituangkan ke dalam risalah rapat, The Committee meeting resolution must be stated in the
termasuk apabila terdapat perbedaan pendapat (dissenting minutes of the meeting, including any dissenting opinions.
opinion). Risalah tersebut harus ditandatangani oleh seluruh The minutes must be signed by the entire Nomination, and
anggota Komite Nominasi dan Remunerasi yang hadir dan Remuneration Committee members present and further
disampaikan kepada Dewan Komisaris. submitted to the Board of Commissioners.

Hingga akhir tahun buku 2022, Komite Nominasi dan Until the end of 2022 fiscal year, Nomination and
Remunerasi menggelar rapat sebanyak 8 (delapan) kali Remuneration Committee held 8 (Eight) meetings with the
rapat. Berikut rinciannya. following details:
Tanggal Peserta Rapat

No
Date Meeting Participants
1 28 Februari 2022 • Ilham A. Habibie*)
February 28, 2022 • Edy Setiadi*)
• Iggi H. Achsien**)
• Riksa Prakoso
2 27 April 2022 • Ilham A. Habibie*)
April 27, 2022 • Edy Setiadi*)
• Iggi H. Achsien**)
• Riksa Prakoso
3 7 Juni 2022 • Iggi H. Achsien**)
June 7, 2022 • Edy Setiadi*)
• Riksa Prakoso
4 24 Juni 2022 • Iggi H. Achsien**)
June 24 2022 • Edy Setiadi*)
• Riksa Prakoso
5 2 September 2022 • Iggi H. Achsien**)
September 2, 2022 • Riksa Prakoso


No
6 23 September 2022 • Iggi H. Achsien**)

September 23, 2022 • Riksa Prakoso
7 28 November 2022 • Iggi H. Achsien**)
November 28, 2022 • Sartono
• Marsudi Syuhud**)
• Riksa Prakoso
8 13 Desember 2022 • Amin Said Husni
December 13, 2022 • Suwarta***)
• Riksa Prakoso
*)
**)
***)
Adapun tingkat kehadiran masing-masing anggota komite Attendance level of each committee member is as follows:
No Attendance
Percentage (%)
1 Amin Said Husni Ketua 1 1 100
Chairman
2 Suwarta*) Anggota 1 1 100
Member
3 Andre Mirza Hartawan Anggota 1 1 100
Member
5 Riksa Prakoso Anggota 8 8 100
Member
*)
PENGEMBANGAN KOMPETENSI COMPETENCY DEVELOPMENT

Bank senantiasa mendorong Komite Nominasi dan The Bank continuously encouraged the Nomination and
Remunerasi untuk melakukan pengembangan kompetensi Remuneration Committee to develop competence through
melalui pelatihan-pelatihan pada tahun 2022. Informasi trainings in 2022. Complete information regarding this
lengkap mengenai hal ini disampaikan dalam bab “Profil matter is presented in the chapter “Company Profile”.
Perusahaan”.
PELAKSANAAN TUGAS KOMITE NOMINASI DAN DUTIES IMPLEMENTATION OF NOMINATION

REMUNERASI AND REMUNERATION COMMITTEE
Berikut ialah rekomendasi Komite Nominasi dan Remunerasi The following are the recommendations by the Nomination
dalam rangka menjalankan tugas dan tanggung jawabnya and Remuneration Committee in the context of performing
sebagai organ pendukung Dewan Komisaris: duties and responsibilities as a supporting organ to the
Board of Commissioners:
1. Pengangkatan Anggota Dewan Komisaris baru 1. Appointment of new members of the Board of
Commissioners
2. Pengangkatan Anggota Direksi baru 2. Appointment of new members of the Board of Directors
3. Perpanjangan kontrak dan pengakhiran kontrak anggota 3. Contract extension and contract termination of members
komite Audit, Komite Pemantau Risiko, Komite Tata of the Audit Committee, Risk Monitoring Committee,
Kelola Perusahaan dan Komite GCG Corporate Governance Committee, and GCG Committee
4. Perpanjangan kontrak untuk Manajemen 4. Contract renewal for Management
5. Rekomendasi perubahan struktur organisasi Bank 5. Recommendations for changes in the organizational
Muamalat structure of Bank Muamalat

KEBIJAKAN MENGENAI SUKSESI DIREKSI POLICY ON THE SUCCESSION FOR THE BOARD
OF DIRECTORS
Bank Muamalat telah memiliki kebijakan mengenai suksesi The Bank established policy regarding management
manajemen, termasuk Dewan Komisaris, Dewan Pengawas succession, including the Board of Commissioners, Sharia
Syariah dan Direksi yang mengacu pada ketentuan OJK No. Supervisory Board, and Board of Directors, which refers to
34/POJK.04/2014 tentang Komite Nominasi dan Remunerasi FSA Regulation No. 34/POJK.04/2014 on the Nomination and
Emiten atau Perusahaan Publik. Komite yang menjalankan Remuneration Committee for Issuers or Public Companies.
fungsi nominasi dan remunerasi di Bank Muamalat The committee carrying out nomination and remuneration
mempunyai tugas untuk menyusun kebijakan dan kriteria functions at the Bank has the task of formulating the
yang dibutuhkan dalam proses Nominasi calon anggota required policies and criteria in the nomination process
manajemen. Salah satu kebijakan yang dapat mendukung for prospective members of the Board of Directors. One
proses Nominasi sebagaimana dimaksud adalah kebijakan of the policies that can support the nomination process, as
suksesi anggota manajemen Perseroan. Kebijakan mengenai referred to, is the succession policy of the Board of Directors
suksesi bertujuan untuk menjaga kesinambungan proses members. Succession policy aims to maintain the continuity
regenerasi atau kaderisasi kepemimpinan di perusahaan of the regeneration process or leadership regeneration in
dalam rangka mempertahankan keberlanjutan bisnis dan the Company in order to maintain business sustainability
tujuan jangka panjang perusahaan. and the longterm goals of the Company.
Kebijakan suksesi manajemen itu diimplementasikan melalui The management succession policy is implemented through
beragam program, salah satunya ialah Talent Management various programs, including the 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 sebagai upaya prepare a pool of talent from the Bank in an effort to provide
menyediaan dan penguatan Sumber Daya Insani di Bank. and strengthen Human Resources in the Bank. Succession
Suksesi diterapkan untuk penyiapan kader-kader terbaik is applied to prepare the best cadres from the Bank’s Pool
dari pool of talent Bank yang siap menduduki posisi-posisi of Talent who are ready to hold critical positions, including
kritikal termasuk posisi pejabat eksekutif Bank. executive officer positions in the Bank.
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
baik di tingkat Direktorat maupun di tingkat Direksi untuk at both the Directorate and Board of Directors levels for
posisi-posisi strategis yaitu posisi satu level di bawah Direksi strategic positions, which is 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 in
maupun promosi karyawan serta untuk kebutuhan nominasi conducting employee rotation and promotion as well as for
jabatan strategis pada Bank Muamalat. nominating strategic positions in Bank Muamalat.

Komite Pemantau Risiko

Risk Oversight Committee
Pembentukan Komite Pemantau Risiko bertujuan untuk The Risk Monitoring Committee was established to assist
membantu pelaksanaan pengawasan dan evaluasi terhadap in the implementation of supervision and evaluation of
kebijakan manajemen risiko serta pelaksanaannya agar risk management policy and its implementation based on
sesuai dengan prinsip kehati-hatian. Komite juga melakukan prudential principles. The Committee also evaluates the
evaluasi atas pelaksanaan tugas Komite Manajemen Risiko duties implementation of the Risk Management Committee
dan Unit Kerja Manajemen Risiko. 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:
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, concerning the Implementation of
Governance bagi Bank Umum Syariah dan Unit Usaha Good Corporate Governance for Sharia Commercial
Syariah. Banks and Sharia Business Units.
2. Surat Edaran Bank Indonesia No. 12/13/DPbS tanggal 2. Bank Indonesia Circular No. 12/13/DPbS dated April 30,
30 April 2010 perihal Pelaksanaan Good Corporate 2010, concerning the Implementation of Good Corporate
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 PEMANTAU THE RISK OVERSIGHT COMMITTEE CHARTER

RISIKO
Komite Pemantau Risiko Bank Muamalat telah memiliki Bank Muamalat established the Risk Oversight Committee
piagam atau pedoman kerja dalam menjalankan perannya. charter to carry out its role, which regulates the structure
Piagam tersebut mengatur struktur dan keanggotaan, and membership, membership requirements, tenure, duties
persyaratan keanggotaan, masa tugas, tugas dan tanggung and responsibilities, authority, and procedures for holding
jawab, wewenang, tata cara dan prosedur penyelenggaraan meetings and reporting to the Board of Commissioners. The
rapat serta pelaporan kepada Dewan Komisaris. Piagam Risk Monitoring Committee Charter and the composition of
Komite Pemantau Risiko dan susunan keanggotaan komite the committee members have been updated in accordance
telah diperbarui sesuai dengan perubahan susunan with the changes in the composition of the Company
pengurus Perseroan pada RUPSLB tahun 2022 dan akan management at the EGMS in 2022 and will continue to be
terus diperbarui sesuai dengan perkembangan regulasi yang updated following the development of applicable regulations
berlaku serta kondisi terkini dari Bank. and the current conditions of the Bank.
KRITERIA ANGGOTA KOMITE PEMANTAU MEMBERSHIP CRITERIA FOR THE RISK

RISIKO OVERSIGHT COMMITTEE
Kriteria keanggotaan Komite Pemantau Risiko telah diatur Membership criteria for the Risk Oversight Committee
oleh Bank, yang juga telah dituangkan ke dalam Piagam for members have been regulated by the Bank, which has
Komite Pemantau Risiko Kriteria tersebut di antaranya: also been stated in the Risk Oversight Committee 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. Being able to work together, 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 of 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,
atau pihak lain yang memberi jasa assurance, jasa or other parties providing assurance services, non-
nonassurance, jasa penilai dan/atau jasa konsultasi lain assurance services, appraisal services, and/or other
kepada Bank Muamalat Indonesia dalam waktu 6 (enam) consulting services to Bank Muamalat Indonesia within
bulan terakhir. the last 6 (six) months.
8. Tidak mempunyai saham langsung maupun tidak 8. Having no direct or indirect shares in Bank Muamalat
langsung pada Bank Muamalat Indonesia. Indonesia.
9. Tidak memiliki kepentingan pribadi yang dapat 9. Having no personal interests that may cause a conflict of
menimbulkan benturan kepentingan terhadap Bank interests against Bank Muamalat Indonesia.
Muamalat Indonesia.
10. Tidak mempunyai hubungan Afiliasi dengan anggota 10. Having no affiliation with members of the Board of
Dewan Komisaris, anggota Direksi, atau Pemegang Commissioners, the Board of Directors, or Major
Saham Utama Bank Muamalat Indonesia. Shareholders of Bank Muamalat Indonesia.
11. Tidak memiliki hubungan usaha baik langsung maupun 11. Having no 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.
TUGAS DAN TANGUNG JAWAB KOMITE DUTIES AND RESPONSIBILITIES OF THE RISK
PEMANTAU RISIKO MONITORING COMMITTEE
Tugas dan tanggung jawab Komite Pemantau Risiko ialah Duties and responsibilities of the Risk Monitoring Committee
sebagai berikut: are as follows:
1. Melakukan evaluasi atas kebijakan dan strategi 1. Evaluating the risk management policies and strategies
manajemen risiko yang disusun Manajemen. prepared by the 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.
tersebut.
3. Melakukan evaluasi atas pelaksanaan tugas Komite 3. Evaluating duties implementation 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 to comply with the Financial Services Authority and
Keuangan dan peraturan perundang-undangan lain yang other applicable laws and regulations in implementing
berlaku dalam rangka pelaksanaan prinsip kehatihatian, prudential principles, particularly those relating to risk
khususnya yang berkaitan dengan manajemen risiko. management.
5. Melakukan evaluasi atas permohonan atas usulan 5. Evaluating the requests from 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 organizational 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 line with the
ketentuan yang berlaku. applicable regulations.
8. Memastikan bahwa unit kerja manajemen risiko 8. Ensuring the risk management unit meets the
memenuhi kriteria independensi dalam melaksanakan independence criteria in performing duties and
tugas dan tanggung jawabnya. responsibilities.

WEWENANG KOMITE PEMANTAU RISIKO THE RISK OVERSIGHT COMMITTEE

AUTHORITIES
Wewenang yang dimiliki oleh Komite Pemantau Risiko The Risk Monitoring Committee of Bank Muamalat Indonesia
Bank Muamalat Indonesia tertuang pada Piagam Komite has authorities as contained in the Risk Monitoring
Pemantau Risiko, antara lain: Committee Charter, among others:
1. Diperbolehkan mengakses dokumen, data, dan informasi 1. Access to bank documents, data, and information about
Bank tentang karyawan, dana, aset dan sumber daya employees, funds, assets, and company resources is
Bank yang diperlukan. needed.
2. Diperbolehkan berkomunikasi langsung dengan 2. Being able to communicate directly with the employees,
karyawan, termasuk Direksi dan pihak yang menjalankan including the Board of Directors as well as parties
fungsi manajemen risiko dan pihak-pihak lain yang performing the risk management functions and other
berkaitan dengan tugas dan tanggung jawab Komite parties related to the duties and responsibilities of the
Pemantau Risiko. Risk Oversight Committee.
3. Diperbolehkan melibatkan pihak independen di luar 3. Being able to involve independent parties outside the
anggota Komite Pemantau Risiko yang diperlukan untuk Risk Oversight Committee members to assist in running
membantu pelaksanaan tugasnya. duties.
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Performing other authorities assigned by the Board of
Komisaris. Commissioners

Masa tugas anggota Komite Pemantau Risiko tidak boleh The term of office for the Risk Oversight Committee members
lebih lama dari masa jabatan Dewan Komisaris dan dapat must not be longer than the term of office of the Board of
dipilih kembali hanya untuk satu periode berikutnya. Commissioners. Committee members can be re-elected for
only one term.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND BASIS OF APPOINTMENT

KOMITE PEMANTAU RISIKO FOR THE RISK OVERSIGHT COMMITTEE
Merujuk ketentuan pasal 34 Peraturan Bank Indonesia Referring to the provisions of article 34 of Bank
Nomor 11/33/PBI/2009 tentang Pelaksanaan Good Corporate Indonesia Regulation No. 11/33/PBI/2009 concerning
Governance bagi Bank Umum Syariah dan Unit Usaha Syariah, the Implementation of Good Corporate Governance for
komposisi Komite Pemantau Risiko paling kurang terdiri dari: Sharia Commercial Banks and Sharia Business Units, the
seorang Komisaris Independen, seorang pihak independen composition of the Risk Monitoring Committee consists of at
yang memiliki keahlian di bidang perbankan syariah dan least: an Independent Commissioner, an independent party
seorang pihak independen yang memiliki keahlian di bidang with expertise in sharia banking and an independent party
manajemen risiko. with expertise in risk management.
Hingga 31 Desember 2022, komposisi Komite Pemantau Until December 31, 2022, the composition of the Risk
Risiko Bank Muamalat Indonesia telah sesuai dengan Monitoring Committee of Bank Muamalat Indonesia has
peraturan perundangan-undangan yang ada. Berikut adalah been in accordance with existing laws and regulations.
keanggotaan Komite Pemantau Risiko Bank Muamalat: The following is the membership of the Risk Monitoring
Committee of Bank Muamalat:

Suwarta*) Ketua Surat Keputusan Direksi No. 036/B/DIR-KPTS/XII/2022 tentang Komisaris Independen
Chairman Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk tanggal Independent Commissioner
12 Desember 2022.
The Board of Directors Decree No. 032/B/DIR-KPTS/XI/2022
concerning the Risk Monitoring Committee of PT Bank Muamalat
Indonesia Tbk on November 25, 2022.
Andre Mirza Anggota Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2022 tentang Komisaris
Hartawan Member Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk tanggal Commissioner
25 November 2022.


Sartono Anggota Surat Keputusan Direksi No. 036/B/DIR-KPTS/XII/2022 tentang Komisaris Independen
Member Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk tanggal Independent Commissioner
12 Desember 2022.
Amin Said Husni Anggota Surat Keputusan Direksi No. 036/B/DIR-KPTS/XII/2022 tentang Komisaris Independen
Member Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk tanggal Independent Commissioner
12 Desember 2022.
Dedi Sopyan Anggota Surat Keputusan Direksi No. 032/B/DIR-KPTS/XI/2022 tentang Pihak Independen yang ahli
Member Komite Pemantau Risiko PT Bank Muamalat Indonesia Tbk tanggal dalam Bidang Manajemen
25 November 2022. Risiko
The Board of Directors Decree No. 032/B/DIR-KPTS/XI/2022 Independent Party
concerning the Risk Monitoring Committee of PT Bank Muamalat with expertise in Risk
Indonesia Tbk on November 25, 2022. Management
*)
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.
Suwarta
Ketua
Chairman
Profile.”

Anggota
Member
Profile.”

Sartono
Anggota
Member
Profile.”
Amin Said Husni

Anggota
Member
Profile.”
Dedi Sopyan
Anggota
Member

Citizen
Domicile
Age

Dasar Hukum Diangkat menjadi Anggota Komite Pemantau Risiko Appointed as Member of the Risk Oversight
Pengangkatan PT Bank Muamalat Indonesia Tbk berdasarkan Surat Committee of PT Bank Muamalat Indonesia Tbk based
Legal Basis for Appointment Keputusan Direksi No. 032/B/DIR-KPTS/XI/2021 on the Decree of the Board of Directors No. 032/B/
tentang Komite Pemantau Risiko PT Bank Muamalat DIR-KPTS/XI/2021 on the Risk Oversight Committee of
Indonesia Tbk tanggal 18 November 2021 PT Bank Muamalat Indonesia Tbk dated 18 November
2021
Riwayat Pendidikan • Doktor Manajemen Bisnis Institut Pertanian Bogor • Doctor of Business Management from Institut
Education Background (2016-sekarang) Pertanian Bogor (2016-present)
• Magister Manajemen Strategis dan Manajemen • Master of Strategic Management and Finance
Keuangan Universitas Gadjah Mada (2013) Management from the University of Gadjah Mada
(2013)
• Sarjana Teknik Industri Universitas Indonesia (2003) • Bachelors Degree in Industrial Engineering from the
University of Indonesia (2003)
Rangkap Jabatan - -
Dual Position
Pengalaman Kerja • Anggota Komite Audit Dewan Komisaris di PT Kriling • Member of the Audit Committee of the Board of
Work Experience Berjangka Indonesia (Persero) hingga tahun 2021. Commissioners at PT Kriling Berjangka Indonesia
(Persero) until 2021.
• Anggota Komite Pemantau Risiko Dewan Pengawas • Member of the Risk Monitoring Committee of the
di BPJS Kesehatan (2014-2017) Supervisory Board at BPJS Kesehatan (2014-2017)
• Anggota Komite Audit-Dewan Komisaris pada tahun • Member of the Audit Committee-Board of
2014 di PT Bio Farma (Persero) Commissioners in 2014 at PT Bio Farma (Persero)
• Anggota Komite Pemantau Risiko-Dewan Komisaris • Member of the Risk Monitoring Committee-Board of
pada tahun 2013 Commissioners in 2013
Kualifikasi Pihak independen yang memiliki keahlian dalam An independent party with expertise in risk
Qualification bidang manajemen risiko dan audit. management and audit.
INDEPENDENSI KOMITE PEMANTAU RISIKO INDEPENDENCE OF THE RISK OVERSIGHT

COMMITTEE
Anggota Komite Pemantau Risiko Bank Muamalat yang The Risk Oversight Committee Members who are
berasal dari pihak independen dituntut untuk dapat bekerja independent parties are required to be professional and
secara profesional dan independen dalam melaksanakan independent in carrying out functions and duties. It means,
fungsi dan tugasnya. Hal itu memiliki arti pelaksanaan carrying out their duties without interference from any party
tugasnya tanpa campur tangan dari pihak mana pun yang that is not in accordance with the laws and regulations.
tidak sesuai dengan peraturan perundang-undangan.
Aspek Independensi
Dedi Sopyan
Independence Aspect
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi √
Having no financial relationship with the Board of Commissioners and Board of Directors
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasi √
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan, maupun perusahaan afiliasi √
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau sesama anggota Komite √
Nominasi, Remunerasi dan GCG
Having 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, the Bank’s Risk Oversight
Pemantau Risiko Bank tidak memiliki hubungan keluarga Committee members 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
Hubungan Keluarga dengan Hubungan Keuangan dengan Kepengurusan
Nama Jabatan Family Relationship with Financial Relationship with Management
Name Position Relationship

Dedi Anggota √ √ √ √ √ √ √
Sopyan Member
RAPAT KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE MEETING

Rapat Komite Pemantau Risiko Bank Muamalat Indonesia The risk Monitoring Committee of Bank Muamalat Indonesia
wajib diselenggarakan sedikitnya sebanyak 1 (satu) kali holds meetings at least 1 (one) time in 2 (two) months. In
dalam 2 (dua) bulan. Sebagaimana Piagam Komite Pemantau compliance with the Risk Oversight Committee Charter, the
Risiko, rapat dapat dinyatakan sah apabila dihadiri oleh meeting can be declared valid if attended by more than
lebih dari ½ (satu per dua) dari jumlah keseluruhan anggota ½ (one-half) of the total members of the Risk Oversight
Komite Pemantau Risiko. Committee.
Hasil rapat Komite Pemantau Risiko wajib dituangkan ke The meeting resolution of the Risk Oversight Committee
dalam risalah rapat dan didokumentasikan dengan baik, must be written in 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 2022, Komite Pemantau Risiko During the 2022 fiscal year, the Risk Oversight Committee
menggelar rapat sebanyak 7 (tujuh) kali rapat dengan rincian held 7 (seven) meetings with the following details:
sebagai berikut:

No
1 21 Januari 2022 1. Persiapan Pengalihan Kepemilikan Bank kepada PSP • Edy Setiadi*)
January 21, 2022 Baru • Ilham A. Habibie*)
2. Pemenuhan Action Plan Hasil Pemeriksaan OJK yang Jatuh • Evi Aviatin**)
Tempo pada Januari 2022 • Dedy Sopyan
3. Ketentuan Baru POJK Khususnya Peran dan Fungsi
Komisaris
4. Tingkat Kesehatan Bank (RBBR) Per Desember 2021
1. Preparation for the Transfer of Bank Ownership to the
New PSPs
2. Fulfillment of Action Plan for FSA Examination Results
Due in January 2022
3. New FSAR Provisions, Specifically the Role and Function
of the Commissioner
4. Bank Health Level (RBBR) as of December 2021
2 23 Febuari 2022 1. Tindak Lanjut Penyelesaian Temuan Audit OJK Jatuh • Edy Setiadi*)
February 23, 2022 Tempo Februari 2022 • Ilham A. Habibie*)
2. Kondisi Likuiditas Bank dan Pencapaian Target • Evi Aviatin**)
Pembiayaan Bank sesuai RBB Tahun 2022 • Dedy Sopyan
1. Follow-up on FSA Audit Findings Due in February 2022
2. Liquidity Condition of the Bank and Achievement of the
Bank's Financing Target based on 2022 RBB
3 13 April 2022 1. Target Market dan Financing Allocation Limit (FAL) Tahun • Edy Setiadi*)
April 13, 2022 2022 • Ilham A. Habibie*)
2. Risiko Operasional : Kualitas Pelaporan Kepada Regulator • Evi Aviatin**)
dan Digital Banking Journey • Dedy Sopyan
3. Profil Risiko per Maret 2022
1. Target Market and Financing Allocation Limit (FAL) in
2022
2. Operational Risk: Quality of Reporting to the Regulators
and Digital Banking Journey
3. Risk Profile as of March 2022


No
4 15 Juni 2022 1. Progress Tindak Lanjut Temuan Audit OJK terkait • Edy Setiadi*)
June 15, 2022 Kelengkapan Dokumen Pembiayaan • Ilham A. Habibie*)
2. Risiko Kepatuhan • Evi Aviatin**)
3. Risiko Stratejik terkait Kinerja Pencapaian BBP Tahun • Dedy Sopyan
2022
4. Risiko Likuiditas dan Pasar
1. Progress on Follow-up of FSA Audit Findings related to
the Completeness of Financing Documents
2. Compliance Risk
3. Strategic Risk related to Performance Achievement of
2022 BBP
4. Liquidity and Market Risk
5 26 Agustus 2022 1. Laporan Penilaian Tingkat Kesehatan Bank Smt I/2022 • Andre Mirza Hartawan
August 26, 2022 dan Rencana Strategis Bank terhadap Perbaikan • Evi Aviatin**)
Rentabilitas • Dedy Sopyan
2. Hasil Temuan SKAI
3. Rencana Strategis Bank dan Action Plan pada GWM
1. Bank Health Level Assessment Report for Semester
I/2022 and Bank's Strategic Plan for Rentability
Improvement
2. IAU Findings
3. Bank's Strategic Plan and Action Plan on GWM
6 17 Oktober 2022 1. Profil risiko Bank per September 2022 • Andre Mirza Hartawan
October 17, 2022 2. Tindak lanjut pembenahan IT security dan digitalisasi • Dedy Sopyan
3. Update atas nasabah Pembiayaan
1. Bank's risk profile as of September 2022
2. Follow-up on IT security and digitalization improvements.
3. Update on Financing customers
7 15 Desember 2022 1. Tindak Lanjut Rapat ROC Sebelumnya • Suwarta***)
December 15, 2022 2. Penilaian Tingkat Kesehatan Bank Periode Juni 2022 • Andre Mirza Hartawan
3. Tindak Lanjut Temuan Audit Regulator yang Jatuh Tempo • Sartono
pada Desember 2022 • Amin Said Husni
4. Kajian terkait anak perusahaan • Dedy Sopyan
1. Follow-up on the Previous ROC Meeting
2. Bank Health Level Assessment for June 2022 Period
3. Follow-up of Regulatory Audit Findings Due in December
2022
4. Review of ALIF Dissolution Plan
*)
**)
Telah berhenti menjabat sejak tanggal 30 September 2022
Has stopped serving since September 30, 2022
***)
Adapun tingkat kehadiran masing-masing anggota komite The attendance level of each committee members are as
adalah sebagai berikut: follows:
No Attendance
Percentage (%)
1 Suwarta*) Ketua 1 1 100
Chairman
Member
3 Sartono Anggota 1 1 100
Member
4 Amin Said Husni Anggota 1 1 100
Member
5 Dedi Sopyan Anggota 7 7 100
Member
*)


Bank senantiasa mendorong Komite Pemantau Risiko untuk The Bank continuously encouraged the Risk Oversight
melakukan pengembangan kompetensi melalui pelatihan- Committee to develop competency through training in 2022.
pelatihan pada tahun 2022. Informasi lengkap mengenai hal Complete information regarding competency development
ini disampaikan dalam bab “Profil Perusahaan”. is available in the chapter “Company Profile.”
PELAKSANAAN TUGAS KOMITE PEMANTAU DUTIES IMPLEMENTATION OF THE RISK

RISIKO OVERSIGHT 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 2022 supporting organ for the Board of Commissioners, in
Komite Pemantau Risiko telah menyampaikan rekomendasi 2022, the Risk Monitoring Committee has submitted
antara lain sebagai berikut: recommendations, including the following:
1. Dokumentasi pembiayaan agar menjadi perhatian 1. Financing documentation is a concern considering the
mengingat kelengkapan dokumentasi dapat completeness of documentation can affect the collateral
mempengaruhi proses eksekusi agunan. execution process.
2. Temuan audit regulator agar dikaji berdasarkan kriteria 2. Regulatory audit findings are reviewed based on
fundamental dan tidak fundamental, serta berulang atau fundamental and non-fundamental criteria, as well as
merupakan temuan baru. recurring or new findings.
3. Agar diselaraskan antara konsep pengembangan SDM 3. To be aligned between the defined HR development
yang telah ditentukan dengan implementasi/praktik di concept and the implementation/practice in the field to
lapangan untuk meminimalkan gap yang terjadi minimize the recurring gap.
4. Terkait upaya perbaikan peringkat profil risiko agar 4. Related to efforts to improve the risk profile rating to be
dikomunikasikan kepada Otoritas Jasa Keuangan bahwa communicated to the Financial Services Authority, the
peringkat risiko Bank dapat dinilai lebih baik. Bank's risk rating can be assessed better.
5. Bank agar melakukan pemenuhan rasio RIM Syariah 5. The Bank should fulfill the Sharia RIM ratio in accordance
sesuai ketentuan yang berlaku with the applicable regulations.

Komite Tata Kelola Perusahaan

Corporate Governance Committee
Dewan Komisaris telah membentuk Komite Tata Kelola The Board of Commissioners established the Corporate
Perusahaan untuk membantu pelaksanaan pengawasan Governance Committee to assist in the implementation
dan evaluasi Dewan Komisaris terhadap penyelenggaraan of supervision and evaluation on the implementation of
Tata Kelola yang baik dalam setiap aktivitas usaha Bank pada Governance in each of the Bank’s business activities at all
seluruh jenjang atau tingkatan organisasi. ranks or levels of the organization.

Pembentukan Komite Tata Kelola Perusahaan oleh Bank The Bank established Corporate Governance Committee by
mengacu pada peraturan perundang-undangan sebagai referring 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 concerning Implementation of Good
Governance bagi Bank Umum Syariah dan Unit Usaha Corporate Governance for Sharia Commercial Banks and
Syariah. Sharia Business Units.
2. Surat Edaran Bank Indonesia No. 12/13/DPBS tanggal 2. Bank Indonesia Circular No. 12/13/DPBS dated April 30,
30 April 2010 perihal Pelaksanaan Good Corporate 2010 concerning Implementation of Good Corporate
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 Bank Muamalat Indonesia established a charter for Corporate
telah memiliki pedoman kerja atau piagam sebagai panduan Governance Committee as guidelines in carrying out its role,
dalam menjalankan perannya, yang mengatur prinsip-prinsip which regulates GCG principles, structure and membership,
Good Corporate Governance, struktur dan keanggotaan, membership requirements, term of office, duties and
persyaratan keanggotaan, masa tugas, tugas dan tanggung responsibilities, authorities, and procedures for holding
jawab, wewenang, tata cara dan prosedur penyelenggaraan meetings and reporting to the Board of Commissioners.
rapat serta pelaporan kepada Dewan Komisaris. Piagam The charter and membership of the committee have been
dan susunan keanggotaan komite telah diperbarui sesuai updated in accordance with the changes in the composition
dengan perubahan susunan pengurus Perseroan pada of the Company's management at the EGMS in 2022 and will
RUPSLB tahun 2022 dan akan terus diperbarui sesuai continue to be updated in accordance with the development
dengan perkembangan regulasi yang berlaku serta kondisi of applicable regulations and the current conditions of the
terkini dari Bank. Bank.
KRITERIA ANGGOTA KOMITE TATA KELOLA MEMBERSHIP CRITERIA FOR CORPORATE

PERUSAHAAN GOVERNANCE COMMITTEE
Kriteria keanggotaan keanggotaan Komite Tata Kelola The Bank regulates membership criteria for Corporate
Perusahaan telah diatur oleh Bank, yang juga telah Governance Committee. The regulation is stated in the
dituangkan ke dalam Piagam Komite Tata Kelola Perusahaan Corporate Governance Committee Charter, including:
Kriteria tersebut di antaranya: 1. Required to have integrity and a good financial
1. Wajib berintegritas dan memiliki reputasi keuangan yang reputation.
baik. 2. Required to have the ability, knowledge, and experience
2. Wajib memiliki kemampuan, pengetahuan, pengalaman based on the field of work and being able to communicate
sesuai dengan bidang pekerjaannya, serta mampu well.
berkomunikasi dengan baik. 3. Required to comply with the code of conduct established
3. Wajib mematuhi kode etik yang ditetapkan oleh Bank. by the Bank.

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
Kantor Konsultan Hukum, Kantor Jasa Penilai Publik Consulting Firm, Public Appraisal Service Firm, or any
atau pihak lain yang memberi jasa assurance, jasa other party that provides assurance, 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 Issuer or Public Company within 6 (six)
bersangkutan dalam waktu 6 (enam) bulan terakhir. times last month.
6. Bukan merupakan orang yang bekerja atau mempunyai 6. Unless for the Independent Commissioner, there is no
wewenang dan tanggung jawab untuk merencanakan, one who works or has the authority and responsibility
memimpin, mengendalikan, atau mengawasi kegiatan to plan, lead, control, or supervise the Bank’s activities
Bank dalam waktu 6 (enam) bulan terakhir kecuali within the last 6 (six) months.
Komisaris Independen.
7. Tidak mempunyai saham langsung maupun tidak 7. Having no direct or indirect shares in Bank Muamalat
langsung pada Bank Muamalat Indonesia. Indonesia.
8. Tidak mempunyai hubungan Afiliasi dengan anggota 8. Having no affiliation with members of the Board of
Dewan Komisaris, anggota Direksi, atau Pemegang Commissioners, the Board of Directors, or Major
Saham Utama Bank Muamalat Indonesia. Shareholders of Bank Muamalat Indonesia.
9. Tidak mempunyai hubungan usaha baik langsung 9. Having no business relationship, directly or indirectly,
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 regulated 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
3. Melakukan kajian dan menilai prinsip-prinsip Indonesia.
pelaksanaan Good Corporate Governance Bank 3. Reviewing and assessing the principles of Good
Muamalat Indonesia secara berkala dan menyampaikan Corporate Governance implementation of Bank
rekomendasi perbaikan kepada Dewan Komisaris. Muamalat Indonesia on a regular basis and submitting
recommendations for improvements to the Board of
Commissioners.
4. Menyampaikan laporan kepada Dewan Komisaris 4. Submitting reports to the Board of Commissioners on
kegiatan Bank yang tidak sesuai dengan pelaksanaan Bank activities that are not in line with the implementation
Good Corporate Governance. of Good Corporate Governance.
5. Melakukan kajian atas laporan Self-Assessment Good 5. Reviewing 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 preparing and updating the Governance
Kelola secara berkala. Committee charter.
8. Menjaga kerahasiaan seluruh dokumen, data dan 8. Maintaining the confidentiality of all documents, data,
informasi Bank Muamalat Indonesia. and information of Bank Muamalat Indonesia.

WEWENANG KOMITE TATA KELOLA CORPORATE GOVERNANCE COMMITTEE

PERUSAHAAN AUTHORITIES
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 apart from 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. Being allowed to access the Bank documents, data
Bank tentang karyawan, dana, aset, dan sumber daya and information regarding the Bank employees, funds,
Bank yang diperlukan. assets, and required resources.
2. Diperbolehkan berkomunikasi langsung dengan 2. Being allowed to communicate directly with employees,
karyawan, termasuk Direksi dan pihak-pihak lain yang including the Board of Directors and other parties related
berkaitan dengan tugas dan tanggung jawab Komite Tata to duties and responsibilities of Corporate Governance
Kelola Perusahaan. Committee.
3. Diperbolehkan melibatkan pihak independen di luar 3. Being allowed to involve independent parties other than
anggota Komite Tata Kelola Perusahaan yang diperlukan the Corporate Governance Committee members who
untuk membantu pelaksanaan tugasnya. are needed to assist in running duties.
4. Melakukan kewenangan lain yang diberikan oleh Dewan 4. Exercising other authorities delegated by the Board of

Berikut beberapa ketentuan atas masa jabatan anggota The following are provisions in the term of office for
Komite Tata Kelola Perusahaan: Corporate Governance Committee members:
1. Masa tugas anggota Komite Tata Kelola Perusahaan tidak 1. The term of office for Corporate Governance Committee
boleh lebih lama dari masa jabatan Dewan Komisaris. members shall not exceed the term of office of the Board
of Commissioners.
2. Anggota Komite dapat dipilih kembali hanya untuk satu 2. Committee members may be reelected only for one
periode berikutnya. subsequent period.
KOMPOSISI DAN DASAR PENGANGKATAN COMPOSITION AND APPOINTMENT BASIS OF

KOMITE TATA KELOLA PERUSAHAAN THE CORPORATE GOVERNANCE COMMITTEE
Hingga berakhirnya tahun buku 2022, komposisi Komite Until the end of the 2022 fiscal year, the composition of
Tata Kelola Perusahaan Bank Muamalat Indonesia the Bank Muamalat Indonesia Corporate Governance
berjumlah 5 (lima) orang. Berikut adalah susunan dan dasar Committee amounted to 5 (five) members, with following
pengangkatannya. composition and basis of appointment:

Sartono Ketua Surat Keputusan Direksi No. 038/B/DIR-KPTS/XII/2022 tanggal 12 Komisaris Independen
Chairman Desember 2022 dan No. 001/B/DIR-KPTS/I/2023 tanggal 9 Januari Independent Commissioner
2023
The Board of Directors Decree No. 038/B/DIR-KPTS/XII/2022 dated
December 12, 2022 and No. 001/B/DIR-KPTS/I/2023 dated January
9, 2023
Mardiasmo*) Anggota Surat Keputusan Direksi No. 038/B/DIR-KPTS/XII/2022 tanggal 12 Komisaris Independen
Member Desember 2022 dan No. 001/B/DIR-KPTS/I/2023 tanggal 9 Januari Independent Commissioner
2023
9, 2023
Amin Said Husni Anggota Surat Keputusan Direksi No. 038/B/DIR-KPTS/XII/2022 tanggal 12 Komisaris Independen
Member Desember 2022 dan No. 001/B/DIR-KPTS/I/2023 tanggal 9 Januari Independent Commissioner
2023
9, 2023
Andre Mirza Anggota Surat Keputusan Direksi No. 038/B/DIR-KPTS/XII/2022 tanggal 12 Komisaris
Hartawan Member Desember 2022 dan No. 001/B/DIR-KPTS/I/2023 tanggal 9 Januari Commissioner
2023
9, 2023


Dedi Sopyan Anggota Surat Keputusan Direksi No. 038/B/DIR-KPTS/XII/2022 tanggal 12 Pihak Independen
Member Desember 2022 dan No. 001/B/DIR-KPTS/I/2023 tanggal 9 Januari Independent Party
2023
9, 2023
*)
PROFIL KOMITE TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE COMMITTEE

PROFILE
Berikut adalah profil Komite Tata Kelola Perusahaan Bank The following is the profile of Bank Muamalat Indonesia’s
Muamalat Indonesia. Corporate Governance Committee.
Sartono
Ketua
Chairman
Profile.”
Mardiasmo
Anggota
Member
Profile.”

Amir Said Husni

Anggota
Member
Profile.”

Anggota
Member
Profile.”
Dedi Sopyan
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 PERUSAHAAN CORPORATE GOVERNANCE COMMITTEE

MEETING

Rapat Komite Tata Kelola Perusahaan Bank Muamalat The Corporate Governance Committee of Bank Muamalat
Indonesia diselenggarakan paling sedikit sebanyak 1 Indonesia holds meetings at least 1 (one) time in 6 (six)
(satu) kali dalam 6 (enam) bulan. Rapat dinyatakan sah months. Meetings can be declared valid if attended by more
apabila dihadiri oleh lebih dari ½ (satu per dua) dari jumlah than ½ (one-half) of the total members of the Corporate
keseluruhan anggota Komite Tata Kelola Perusahaan, yang Governance Committee, which is regulated in the Corporate
diatur dalam Piagam Komite Tata Kelola Perusahaan. Hasil Governance Committee Charter. The results of the Corporate
rapat Komite Tata Kelola Perusahaan wajib dituangkan ke Governance Committee meeting must be written into the
dalam risalah rapat dan didokumentasikan dengan baik, minutes of the meeting and well documented, including any
termasuk apabila terdapat perbedaan pendapat (dissenting dissenting opinions, which are signed by all members of the
opinion), yang ditandatangani oleh seluruh anggota Komite Corporate Governance Committee who are present and
Tata Kelola Perusahaan yang hadir dan disampaikan kepada submitted to the Board of Commissioners.
Dewan Komisaris.

Sepanjang tahun buku 2022, Komite Tata Kelola Perusahaan During the 2022 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 15 Juni 2022 GCG Review Edy Setiadi*)
June 15, 2022
2 23 Desember 2022 GCG Rating 2022 • Sartono
December 23, 2022 • Mardiasmo**)
• Amin Said Husni
• Andre Mirza hartawan
*)
**)
Adapun tingkat kehadiran masing-masing anggota komite Attendance level of each committee members is as follows:
No Attendance
Percentage (%)
1 Sartono Ketua 1 1 100
Chairman
2 Mardiasmo*) Anggota 1 1 100
Member
3 Amin Said Husni Anggota 1 1 100
Member
Member
5 Dedi Sopyan Anggota 1 1 100
Member
*)


Bank senantiasa mendorong Komite Tata Kelola Perusahaan The Bank continuously encouraged the Corporate Governance
untuk melakukan pengembangan kompetensi melalui Committee to carry out competency development through
pelatihan-pelatihan pada tahun 2022. Informasi lengkap trainings in 2022. Detailed information regarding this matter
mengenai hal ini disampaikan dalam bab “Profil Perusahaan”. is available in the “Company Profile” chapter.
PELAKSANAAN TUGAS KOMITE TATA KELOLA DUTIES IMPLEMENTATION OF CORPORATE

PERUSAHAAN GOVERNANCE COMMITTEE
Sepanjang tahun 2022, Komite Tata Kelola Perusahaan telah During 2022, Corporate Governance Committee provided
memberikan rekomendasi dalam rangka memenuhi tugas recommendations in the context to fulfill its duties and
dan tanggung jawabnya sebagai organ pendukung Dewan responsibilities as a supporting organ for the Board of
Komisaris dengan rincian sebagai berikut: Commissioners with the following details:
1. Melakukan review keanggotaan komite level Dewan 1. Reviewed the membership of Board of Commissioners
Komisaris. committees level.
2. Memberi masukan agar Bank memastikan 2. Provided advice to the Bank to ensure that dissenting
terkait dissenting opinion dalam rapat-rapat telah opinions in meetings are well documented.
didokumentasikan dengan baik.
3. Memberikan masukan agar proses persetujuan calon 3. Provided input so that the approval process of
anggota Dewan Komisaris dan Direksi yang diproses candidates for members of the Board of Commissioners
secara proper. and Directors is properly processed.
4. Memberikan masukan agar Bank memastikan rangkap 4. Provided input so that the Bank ensures that the
jabatan anggota Dewan Komisaris sesuai ketentuan concurrent positions of members of the Board of
termasuk calon anggota Dewan Komisaris yang baru. Commissioners are in line with the provisions, including
new candidates for the Board of Commissioners
members.
5. Memberikan masukan agar manajemen terus berupaya 5. Provided input so as the management continues to strive
agar rating GCG Bank Muamalat dapat meningkat to improve GCG rating of Bank Muamalat.
Komite di Bawah Direksi

Committees under the Board of Directors
Pada tahun 2022, Direksi Bank Muamalat Indonesia In 2022, the Board of Directors of Bank Muamalat Indonesia
membentuk 4 (empat) Komite Tingkat Direksi yang dipimpin established 4 (four) Board of Directors Level Committees led
langsung oleh Direktur Utama dan/atau Direktur terkait, directly by the President Director and/or relevant Directors,
yaitu sebagai berikut: as including:
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
Komite Pengarah Teknologi Informasi adalah komite The Bank established Information Technology Steering
yang dibentuk Bank Muamalat dalam rangka mendukung Committee in order to support the effective implementation
efektifitas pelaksanaan tugas dan tanggung jawab Direksi of the Board of Directors' duties and responsibilities in
dalam memastikan strategi Teknologi Informasi yang telah ensuring the established Information Technology strategy
ditetapkan sejalan dengan strategi Bank dalam mencapai based on the strategy in achieving business and operational
tujuan bisnis dan operasional Bank. objectives of the Bank.

Pembentukan Komite Pengarah Teknologi Informasi Bank Muamalat Indonesia established Information
Bank Muamalat Indonesia berlandas pada peraturan Technology Steering Committee following the laws and
perundangan-undangan, yaitu Peraturan Otoritas Jasa regulations, namely the Financial Services Authority
Keuangan (POJK) Nomor 11/POJK.03/2022 tentang Regulation No. 11/POJK.03/2022 regarding the
Penyelenggaraan Teknologi Informasi oleh Bank Umum Implementation of Information Technology by Commercial
serta Piagam Komite Pengarah Teknologi Informasi Bank Banks and the Bank Muamalat Indonesia Information
Muamalat Indonesia. Technology Steering Committee Charter.
PIAGAM KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING

INFORMASI COMMITTEE CHARTER
Komite Pengarah Teknologi Informasi telah memiliki Information Technology Steering Committee established
Piagam sebagai pedoman dalam menjalankan perannya, a Charter as guidelines running the roles which regulate
yang mengatur struktur dan keanggotaan, aturan dasar, the structure and membership, basic rules, authorities
wewenang dan tanggung jawab, waktu kerja dan pelaporan. and responsibilities, working time, and reporting. The
Piagam Komite Pengarah Teknologi Informasi terakhir Information Technology Steering Committee Charter was last
dikinikan pada tanggal 2 Mei 2019 dan akan dilakukan updated on May 2, 2019, and will continue to be updated to
pembaharuan susunan keanggotaan dan piagam komite the membership and charter of the committee following the
mengikuti perubahan susunan pengurus Perseroan pada changes in the composition of the Company management at
RUPSLB tahun 2022 serta Struktur Organisasi terkini 2022 EGMS and the latest Bank condition.
Perseroan.
STRUKTUR, KOMPOSISI, DAN DASAR STRUCTURE, COMPOSITION, AND BASIS OF

PENGANGKATAN 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 information technology user work unit.

Per 31 Desember 2022 komposisi Komite Pengarah As of December 31, 2022, the composition of the Information
Teknologi Informasi adalah sebagai berikut. Technology Steering Committee is as follows.
Pelaksanaan/Pejabat dalam
Fungsi/Jabatan dalam Komite Dasar Pengangkatan
Organisasi
Function/ Position in Committee Basis of Appointment
Officer in the Organization
Penasihat dan Pengawas Direktur Utama Surat Keputusan No. 07/B/DIR/KPTS/V/2019 tentang Komite
Advisors and Supervisors President Director Pengarah Teknologi Informasi
Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology
Steering Committee
Ketua Direktur Operasi Surat Keputusan No. 07/B/DIR/KPTS/V/2019 tentang Komite
Chairman Director of Operations Pengarah Teknologi Informasi
Steering Committee
Wakil Ketua Direktur Kepatuhan, Surat Keputusan No. 07/B/DIR/KPTS/V/2019 tentang Komite
Deputy Chairman Risiko dan Hukum Pengarah Teknologi Informasi
Director of Compliance, Risk and Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology
Legal Steering Committee
Sekretaris Head of Information Surat Keputusan No. 07/B/DIR/KPTS/V/2019 tentang Komite
Secretary Technology Pengarah Teknologi Informasi
Steering Committee
Anggota • Head of Financing Operation Surat Keputusan No. 07/B/DIR/KPTS/V/2019 tentang Komite
Members • Head of Retail Liabilities, Wealth Pengarah Teknologi Informasi
Management & Digital Banking Decree No. 007/B/DIR/KPTS/V/2019 on the Information Technology
• Head of Compliance Steering Committee
• Head of Integrated Risk
Management

Komite Pengarah Teknologi Informasi memiliki tugas dan Information Technology Steering Committee has the duties
tanggung jawab yang tertuang dalam Piagam Komite and responsibilities set out in the Information Technology
Pengarah Teknologi Informasi, yaitu sebagai berikut: Steering Committee Charter, including:
Ketua dan Wakil Ketua Chairman and Deputy Chairman

1. Mengusulkan agenda untuk setiap rapat dengan 1. Proposing agenda for each meeting with input from
masukan dari anggota komite. committee members.
2. Memastikan bahwa agenda rapat dan bahan 2. Ensuring 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. Maintaining the focus of the discussion topics in the
4. Memastikan rapat dimulai dan diakhiri tepat waktu. meeting.
4. Ensureing the meetings to start and end on time.
5. Berperan sebagai penghubung antara satuan kerja 5. Acting as a liaison between Information Technology
Teknologi Informasi (TI) dengan satuan kerja pengguna (IT) work unit with IT user work unit and the Board of
TI dengan Direksi Directors
Sekretaris Secretary
1. Menyiapkan dan mendokumentasikan risalah rapat dari 1. Preparing and keeping 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. Providing list of actions that need to be discussed and
2. Menyediakan daftar tindakan yang perlu dibahas dan followed up as well as preparing explanation, assigning
ditindaklanjuti serta dibuatkan pemaparan, penanggung person in charge and setting the estimated time for the
jawab dan estimasi waktu penyelesaian rapat. meeting completion.
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. Attending Information Technology Steering Committee
tepat waktu. meetings on time.
2. Menjaga kerahasian atas pembahasan topik yang 2. Maintaining confidentiality of the discussion of sensitive
sensitive yang dibahas dalam rapat komite. topics discussed in committee meetings.
3. Menjaga kerahasiaan informasi yang bersifat rahasia 3. Maintaining the confidentiality of information discussed
yang dibahas dalam rapat. in meetings.
4. Menindaklanjuti keputusan rapat Komite Pengarah 4. Following up the decisions of 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 in case they are unable
hadir dalam rapat komite. to attend the Committee meetings.
PROFIL KOMITE PENGARAH TEKNOLOGI PROFILE OF INFORMATION TECHNOLOGY

INFORMASI STEERING COMMITTEE
Profil ketua Komite Pengarah Teknologi Informasi disajikan Profile of the Chairman of Information Technology Steering
pada bab “Profil Perusahaan”. Committee is available in the “Company Profile” chapter.
PELAKSANAAN KEGIATAN KOMITE PENGARAH IMPLEMENTATION OF INFORMATION

TEKNOLOGI INFORMASI TECHNOLOGY STEERING COMMITTEE
ACTIVITIES
Sepanjang tahun 2022, Komite Pengarah Teknologi During 2022, Information Technology Steering Committee
Informasi telah memberikan rekomendasi dalam rangka provided recommendations in order to fulfill their duties and
memenuhi tugas dan tanggung jawabnya dengan rincian responsibilities with the following details:
sebagai berikut:
1. Menetapkan Rencana Strategis IT untuk tahun 2022- 1. Established IT Strategic Plan for 2022-2025
2025
2. Menetapkan proyek-proyek TI tahun anggaran 2022 2. Established IT projects for 2022fiscal year
3. Melakukan monitoring rutin status pengembangan 3. Regularly monitored the development status of
proyek-proyek Teknologi Informasi tahun anggaran 2022 Information Technology projects in 2022.
4. Memantau dan memberikan arahan atas penanganan 4. Monitored and provided direction on the handling of
cyber-attack terhadap sistem Bank Muamalat cyber-attacks against Bank Muamalat system.
5. Memantau dan memberikan arahan terhadap masalah- 5. Monitored and provided direction on IT issues.
masalah TI
6. Melakukan perumusan kebijakan yang disesuaikan 6. Formulated policies that are adjusted to the Bank needs.
dengan kebutuhan Bank
7. Melakukan monitoring status teknologi existing 7. Monitored the status of existing technology
RAPAT KOMITE PENGARAH TEKNOLOGI INFORMATION TECHNOLOGY STEERING

INFORMASI COMMITTEE MEETING
Piagam Komite Pengarah Teknologi Informasi Bank Through the Charter, Bank Muamalat Indonesia regulates
Muamalat Indonesia mengatur rapat Komite Pengarah Information Technology Steering Committee to hold meeting
Teknologi Informasi yang wajib diselenggarakan paling at least 2 (two) times a year.
kurang 2 (dua) kali dalam satu tahun.

Sepanjang tahun 2022, Komite Pengarah Teknologi Informasi During 2022, Information Technology Steering Committee
telah menyelenggarakan 2 (dua) kali rapat dengan agenda held 2 (two) meetings with the following agenda.
sebagai berikut.

No
1 20 April 2022 1. IT Strategic Roadmap 2022-2025 • Bpk. Awaldi**)
April 20, 2022 2. IT Human Resource & Organization Update 2022 • Bpk. Andri Donny*)
3. IT Major Initiatives 2022 • Bpk. Shandy Sofyan
4. Realisasi Budget 2022 • Bpk. Marjuki
5. IT Secutiry Concern • Ibu Catur Andayani
6. Recommendation-Support Needed • Ibu Wita Hanayori
• Ibu Dyah Ekowati
• Ibu Vinny Rika Anwar
• Bpk. Demmy Rizkiadhy
• Bpk. Setiawan Sabri
• Ibu Esti Budiarti
• Bpk. Dahnulbahri Noor
• Bpk. M. Imam Mahsudi
• Bpk. Azwar Lubis
• Bpk. Soegeng Triwaloedjo
• Bpk. Fikry
2 25 November 2022 1.Update progress IT Major Initiatives 2022 • Bpk. Achmad Kusna Permana**)
November 25, 2022 - IT Security Infrastructure • Bpk. Awaldi**)
- IT DC DRC Infrastructure • Bpk. Karno
- Initiative projects (Regulatory, Business & Operation) • Bpk. Sandhy Sofian
2. Update Realisasi Budget 2022 • Bpk. Marjuki
3.IT Issues • Bpk. Nanang Basuki
a. IT Infrastructure • Bpk. Novi Wardi
b. IT Security Vulnerability • Ibu. Catur Andayani
c. DC & DRC Environment • Ibu. Dyah Ekowati
4. IT Strategic Roadmap 2023-2025 • Ibu. Wita Hanayori
5. RAB ITY 2023 • Ibu. Esti Budiarti
6. Recommendation-Support Needed • Bpk. Demmy Rizkiadhy
• Bpk. Prasetya Supardi
• Bpk. Satya Sofiadhi Pratama
• Bpk. Fauzan Albanjari
• Bpk. Soegeng Triwaloejo
• Bpk. Ibnu Umar
• Bpk. Hamdan Kosasih
*)
**)


Komite Aset dan Liabilitas (ALCO) adalah komite yang Asset and Liability Committee (ALCO) is a committee
dibentuk oleh PT Bank Muamalat Indonesia Tbk dalam established by PT Bank Muamalat Indonesia Tbk to support
rangka mendukung efektifitas pelaksanaan tugas dan the effective implementation of the duties and responsibilities
tanggung jawab Direksi dalam memelihara struktur neraca of the Board of Directors in ensuring a strong balance sheet
yang kuat, yang meliputi analisis dan perumusan kebijakan structure, including analysis and formulation of policy and
dan strategi, pengambilan keputusan, pengawasan dalam strategy, decision making, supervision in managing liquidity
pengelolaan risiko likuiditas, risiko pasar, dan permodalan risk, market risk, and capital in line with laws and regulations
sejalan dengan peraturan perundang-undangan maupun as well as the business strategy of the Company.
strategi bisnis perusahaan.

Bank Muamalat Indonesia membentuk Komite ALCO dengan Bank Muamalat Indonesia established ALCO Committee with
mengacu pada peraturan perundangan-undangan sebagai 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 concerning Implementation of Good
Governance bagi Bank Umum Syariah dan Unit Usaha Corporate Governance for Sharia Commercial Banks and
Syariah. Sharia Business Units.
tentang Penerapan Manajemen Risiko bagi Bank Umum POJK.03/2016 concerning Implementation of Good
Syariah dan Unit Usaha Syariah. Corporate Governance for Sharia Commercial Banks and
Sharia Business Units.
3. Surat Edaran Bank Indonesia No. 12/13/DPbS tanggal 3. Bank Indonesia Circular No. 12/13/DPbS dated April 30,
30 April 2010 perihal Pelaksanaan Good Corporate 2010 concerning 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 telah memiliki Piagam sebagai pedoman ALCO Committee has a Charter as a guideline in carrying
dalam menjalankan perannya, yang mengatur struktur out its role, which regulates the structure and membership,
dan keanggotaan, tugas dan tanggung jawab, mekanisme duties and responsibilities, meeting mechanism, reporting,
pelaksanaan rapat, pelaporan serta sekretariat. Piagam and secretariat. The ALCO Committee Charter was last
Komite ALCO terakhir dikinikan pada Desember 2016 dan updated in December 2016. The membership and charter
akan dilakukan pembaharuan susunan keanggotaan dan of the committee will be updated following the changes in
piagam komite mengikuti perubahan susunan pengurus the composition of the Company's management at the EGMS
Perseroan pada RUPSLB tahun 2022 serta Struktur in 2022 as well as the Company's current organizational
Organisasi terkini Perseroan. structure.

Berikut adalah komposisi keanggotaan Komite ALCO per 31 The following is the membership composition of the ALCO
Desember 2022. Committee as of December 31, 2022.

Organisasi
Ketua Direktur Utama Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang
Chairman President Director Asset & 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 tentang
Deputy Chairman Finance Director Asset & Liability Commmittee (ALCO) dan ALCO Support Group
(ASG)
Sekretaris Head of Treasury Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang
Secretary Asset & Liability Commmittee (ALCO) dan ALCO Support Group
(ASG)
Anggota Tetap dengan Hak · Chief Wholesale Banking Officer Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang
Suara · Retail Banking Director Asset & Liability Commmittee (ALCO) dan ALCO Support Group
Permanent Members with · Compliance, Risk & Legal Director (ASG)
Voting Rights · Operation Director Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
· Financing Director Liability Committee (ALCO) and ALCO Support Group (ASG)
· Chief Human Capital Officer
Anggota Tetap Tanpa Hak Suara · Head of Global Market Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang
Permanent Member with no · Head of Consumer Financing Asset & Liability Commmittee (ALCO) dan ALCO Support Group
voting rights · Head of Special Asset (ASG)
Management Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
· Head of DistrMrs.tion Network Liability Committee (ALCO) and ALCO Support Group (ASG)
Management
· Head of Integrated Risk
Management
· Head of Business Finance &
Planning
· Head of Treasury (merangkap
sekretaris Komite ALCO)
(concurrently secretary of ALCO
Committee)
Anggota Tidak Tetap Tanpa Hak · Kepala Unit Bisnis yang terkait Surat Keputusan Direksi No. 347/B/DIR/KPTS/XII/2016 tentang
Suara dengan materi pembahasan Asset & Liability Commmittee (ALCO) dan ALCO Support Group
Non-permanent Members with dalam Rapat ALCO (ASG)
No Voting Rights Head of Business Units related Board of Directors Decree No. 347/B/DIR/KPTS/XII/2016 on Asset &
to discussion material in ALCO Liability Committee (ALCO) and ALCO Support Group (ASG)
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

TUGAS DAN TANGGUNG JAWAB KOMITE ALCO DUTIES AND RESPONSIBILITIES

ALCO memiliki tugas dan tanggung jawab yang tertuang ALCO Committee has duties and responsibilities as outlined
dalam Piagam ALCO, yang mencakup: in the ALCO Charter, including:
1. Melakukan kajian atau meninjau (review) terhadap 1. Evaluating or reviewing 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. Submitting 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 performance.
PROFIL KOMITE ALCO ALCO COMMITTEE PROFILE

Profil ketua Komite ALCO disajikan pada bab “Profil Profile of the Chairman of Asset & Liability Committee is
Perusahaan”. available in the “Company Profile” chapter.
PELAKSANAAN KEGIATAN KOMITE ALCO IMPLEMENTATION OF ACTIVITIES OF THE ALCO

COMMITTEE
Sepanjang tahun 2022, Komite ALCO telah memberikan During 2022, ALCO Committee provided recommendations
rekomendasi dalam rangka memenuhi tugas dan tanggung in order to meet its duties and responsibilities with the
jawabnya dengan rincian sebagai berikut: following details:
1. Melakukan optimisasi neraca melalui penyesuaian biaya 1. Optimized the balance sheet by adjusting the cost of
dana dan pinjaman serta melakukan penempatan aset funds and loans as well as placed alternative assets in
alternatif pada surat berharga dengan tingkat likuidasi securities with good liquidity and acceptable risk.
baik dan risiko yang dapat diterima.
2. Memastikan tingkat likuiditas Bank Muamalat selalu 2. Ensured the liquidity level of Bank Muamalat is always at
berada pada level yang optimum. the optimum level.
RAPAT KOMITE ALCO ALCO COMMITTEE MEETING

Mengacu pada Piagam ALCO Bank Muamalat Indonesia, Bank Muamalat Indonesia through ALCO Charter, regulates
rapat ALCO wajib diselenggarakan paling sedikit 1 (satu) ALCO meetings to be held at least 1 (one) time 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 ALCO meetings 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. ALCO meeting is preceded by the ASG meeting. However,
dalam keadaan tertentu Rapat ALCO dapat langsung under certain circumstances, ALCO meeting can be held
dilaksanakan tanpa didahului oleh rapat ASG dan dapat immediately without being preceded by ASG meeting
pula dilaksanakan di luar jadwal rapat ALCO yang telah and can also be held outside of ALCO meeting schedule
ditetapkan dengan menyesuaikan jadwal Direksi. 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 distrMrs.tion
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

Sepanjang tahun 2022, ALCO telah menyelenggarakan 15 During 2022, ALCO held 15 (fifteen) meetings with the
(lima belas) kali rapat dengan agenda sebagai berikut. following agenda.
Rapat Komite Aset dan Liabilitas (ALCO) (minimal Rapat Komite Aset dan Liabilitas (ALCO) (minimal
1 kali dalam sebulan) 1 kali dalam sebulan)
No
1 21-Jan-22 1. Materi ERM Achmad K. Permana**
January 21, 2022 ERM Material Hery Syafril
- Funding Trend Andri Donny*
- Current Liquidity Risk Monitoring Avianto Istihardjo**
- Liquidity Stress Test Purnomo B Soetadi**
2. Market Update Irvan Yulian Noor
- Forex Update Moh. Madina Hendrik Soe’oed
- Global Market Update Catur Andayani
- Local Market Update Citra Kurniawati
3. ALM Performance Wang Wardhana
- Bankwide Overview Agus Andipratama Amir
- Funding Structure Agung Prambudi
- Financing Structure Astri Piesca Rini
- FDR IDR & USD Muhammad Lutfi
- COF dan Yield Financing Demmy Rizkiadhy
- COF dan Yield Projection Elisa Ratnawardani
4. Liquidty Update Prima Ekalisanti
- Cash Flow IDR & USD Dina Novita Daulay
- Kenaikan GWM Erick Ermawan
Increase in GWM Marissa Widyanti
- Wholesale and Retail Business Prasetyo Utomo
- Borrowing, SWAP & REPO Capacity Vita Dewiyanti
- Usulan investasi dana BPKH Felysa Dariahulvi
Proposed investment of BPKH funds Alfian Kusuma Nugraha
5. Ketentuan Spesial Nisbah IDR & USD
6. Ketentuan Pricing Counter DOC harian dan bulanan
7. Ketentuan Pricing Counter Bulanan IDR & USD
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR &
USD
9. Financing Performance
10. Pricing Pembiayaan dan FTP
11. Kebijakan Required Yield Financing
14. Pricing Negosiasi wesel export, Usance LC/TR/UPAS
15. Ketentuan back to back Retail & Wholesale
16. Mekanisme persetujuan disburse dan dana keluar IDR
17. Mekanisme persetujuan disburse USD

5. Provision on IDR & USD special ratio
6. Provision on daily and monthly DOC Counter Pricing
7. Provision on IDR & USD Monthly Counter Pricing
8. Provision on Special retail & wholesale CASA ratio - IDR
& USD
10. Financing and FTP Pricing
11. Required Yield Financing Policy
14. Pricing Negotiation of export bills, Usance LC/TR/UPAS
15. Back to back Retail & Wholesale terms
16. Disbursement approval mechanism and outcome IDR
funds
17. USD disburse approval mechanism


No
2 23-Feb-22 1. Materi ERM Achmad K. Permana**

February 23, 2022 - Funding Trend Hery Syafril
- Current Liquidity Risk Monitoring Andri Donny*
- Liquidity Stress Test Irvan Yulian Noor
2. Market Update Riksa Prakoso
- Forex Update Moh. Madina Hendrik Soe’oed
- Global Market Update Catur Andayani
3.ALM Performance Wang Wardhana
- Funding Structure Astri Piesca Rini
- Financing Structure Demmy Rizkiadhy
- FDR & RIM Muhammad Lutfi
- COF dan Yield Financing Elisa Ratnawardani
- COF dan Yield Projection Prima Ekalisanti
4. Liquidty Update Erick Ermawan
- Cash Flow IDR & USD Marissa Widyanti
- Borrowing, SWAP & REPO Capacity Eko Dermawan
- Wholesale and Retail Business Alfian Kusuma Nugraha
5. Ketentuan Spesial Nisbah IDR & USD Vita Dewiyanti
6. Ketentuan Pricing Counter DOC harian dan bulanan Felysa Dariahulvi
7. Ketentuan Pricing Counter Bulanan IDR & USD Muhammad Alviza
USD
1. ERM Materials
- Funding Trend
- Current Liquidity Risk Monitoring
- Liquidity Stress Test
2. Market Update
- Forex Update
- Global Market Update
- Local Market Update
3.ALM Performance
- Bankwide Overview
- Funding Structure
- Financing Structure
- FDR & RIM
- COF and Yield Financing
- COF and Yield Projection
4. Liquidty Update
- Cash Flow IDR & USD
- Borrowing, SWAP & REPO Capacity
- Wholesale and Retail Business
5. Special Terms of IDR & USD Ratios
7. Provision on IDR & USD Monthly Counter Pricing 8.
Provision on special retail & wholesale CASA ratio - IDR &
USD
10. Pricing Financing and FTP
15. Provision on back to back Retail & Wholesale
16. Disbursement approval mechanism and outcoming IDR
funds


No
3 23-Mar-22 1. Materi ERM Achmad K. Permana**

March 23, 2022 - Funding Trend Hery Syafril
2. Market Update Purnomo B. Soetadi**
- Forex & Bonds Update Moh. Madina Hendrik Soe’oed
- Sektor Keuangan Catur Andayani
- Sektor Riil Citra Kurniawati
3.ALM Performance Wang Wardhana
- Financing Structure Mustaqim
- COF dan Yield Projection Hafni Marfu’ah Muhidin
- Cash Flow IDR & USD Gunarko
- Wholesale and Retail Business Eko Dermawan
- Borrowing, SWAP & REPO Capacity Noviandanu Setyawan
5. Ketentuan Spesial Nisbah IDR & USD Alfian Kusuma Nugraha
6. Ketentuan Pricing Counter DOC harian dan bulanan Muhammad Alviza
USD
9.Financing Performance
1. ERM Materials
- Funding Trend
2. Market Update
- Forex & Bonds Update
- Financial Sector
- Real Sector
3.ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
8. Provision on special retail & wholesale CASA ratio - IDR &
USD
funds


No
4 19-Apr-22 1. Materi ERM Achmad K. Permana**

April 19, 2022 - Funding Trend Riksa Prakoso
2. Market Update Avianto Istiharjo**
- World Economic Update Moh. Madina Hendrik Soe’oed
- Local Market Update Catur Andayani
3.ALM Performance Citra Kurniawati
- Bankwide Overview Wang Wardhana
- Funding Structure Agus Andipratama Amir
- Financing Structure Astri Piesca Rini
- FDR & RIM Demmy Rizkiadhy
- COF dan Yield Financing Muhammad Lutfi
4. Liquidty Update Marissa Widyanti
- Cash Flow IDR & USD Erick Ermawan
- Wholesale and Retail Business Eko Dermawan
- Borrowing, SWAP & REPO Capacity Noviandanu Setyawan
5. Ketentuan Spesial Nisbah IDR & USD Alfian Kusuma Nugraha
7. Ketentuan Pricing Counter Bulanan IDR & USD Prima Ekalisanti
USD
1. ERM Materials
- Funding Trend
2. Market Update
- World Economic Update
3.ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
USD
funds


No
5 25-Mei-2022 1. Materi ERM Achmad K. Permana**

May 25, 2022 - Funding Trend Purnomo B. Soetadi**
2. Market Update Moh. Madina Hendrik Soe’oed
- World Economic Update Catur Andayani
- Financing Structure Mustaqim
- COF dan Yield Projection Hafni Marfu’ah Muhidin
- Cash Flow IDR & USD Eko Dermawan
- Wholesale and Retail Business Noviandanu Setyawan
- Borrowing, SWAP & REPO Capacity Alfian Kusuma Nugraha
5. Ketentuan Spesial Nisbah IDR & USD Muhammad Alviza
6. Ketentuan Pricing Counter DOC harian dan bulanan Gunarko
USD
1. ERM Materials
- Funding Trend
2. Market Update
3. ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
USD
funds


No
6 23-Jun-22 1. Materi ERM Achmad K. Permana**

June 23, 2022 - Funding Trend Avianto Istihardjo**
2. Market Update Arief Budianto
- Forex & Bonds Update Wang Wardhana
- Sektor Keuangan Astri Piesca Rini
- Sektor Riil Demmy Rizkiadhy
3. ALM Performance Agus Andipratama Amir
- Bankwide Overview Agung Prambudi
- Funding Structure Eko Dermawan
- Financing Structure Muhammad Lutfi
- FDR & RIM Elisa Ratnawardani
- COF dan Yield Financing Fatrika Rusdi
- COF dan Yield Projection Erick Ermawan
4. Liquidty Update Gunarko
- Cash Flow IDR & USD Pratisyara Puspa Widitha Narindra Mahisi
- Wholesale and Retail Business Anas Zainuddin
- Borrowing, SWAP & REPO Capacity Alfian Kusuma Nugraha
5. Ketentuan Spesial Nisbah IDR & USD Muhammad Alviza
6. Ketentuan Pricing Counter DOC harian dan bulanan Marissa Widyanti
USD
1. ERM Materials
- Funding Trend
2. Market Update
- Financial Sector
- Real Sector
3. ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
USD
funds


No
7 21-Jul-22 1. Materi IRM Achmad K. Permana**

July 21, 2022 - Funding Trend Hery Syafril
- Current Liquidity Risk Monitoring Karno
- Liquidity Stress Test Avianto Istihardjo**
2. Market Update Irvan Yulian Noor
- World Economic Update Purnomo B. Soetadi**
- Local Economic Update Wang Wardhana
3. ALM Performance Arief Budianto
- Bankwide Overview Riksa Prakoso
- Funding Structure Catur Andayani
- Financing Structure Demmy Rizkiadhy
- FDR & RIM Agus Andipratama Amir
- COF dan Yield Financing Agung Prambudi
- COF dan Yield Projection Eko Dermawan
4. Liquidty Update Muhammad Lutfi
- Cash Flow IDR & USD Elisa Ratnawardani
- Borrowing, SWAP & REPO Capacity Fatrika Rusdi
- Perubahan Kebijakan GWM Erick Ermawan
- Wholesale and Retail Business Gunarko
5. Ketentuan Spesial Nisbah IDR & USD Pratisyara Puspa Widitha Narindra Mahisi
6. Ketentuan Pricing Counter DOC harian dan bulanan Anas Zainuddin
7. Ketentuan Pricing Counter Bulanan IDR & USD Muhammad Alviza
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & Marissa Widyanti
USD Noviandanu Setyawan
9. Financing Performance Prima Ekalisanti
10. Pricing Pembiayaan dan FTP Hari Chairul Damanik
11. Kebijakan Required Yield Financing Rizki Sabily Firdaus
14. Pricing Negosiasi wesel export, Usance LC/TR/UPAS Niken Yurivika
15. Ketentuan back to back Retail & Wholesale Palupi Tawang Kirana
1. IRM Materials
- Funding Trend
2. Market Update
- Local Economic Update
3.ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
- Reserve Requirement Policy Change
USD
funds


No
8 23-Aug-22 1. Materi ERM Hery Syafril

August 23, 2022 - Funding Trend Avianto Istihardjo**
- Current Liquidity Risk Monitoring Irvan Yulian Noor
- Liquidity Stress Test Purnomo B. Soetadi**
- Forex & Bonds Update Moh. Madina Hendrik Soe’oed
- Sektor Keuangan Wang Wardhana
- Sektor Riil Demmy Rizkiadhy
3.ALM Performance Agus Andipratama Amir
- Bankwide Overview Muhammad Nejjum
- Funding Structure Eko Dermawan
- Financing Structure Muhammad Lutfi
- FDR & RIM Fadilla Harika Wijaya
- COF dan Yield Financing Fatrika Rusdi
- COF dan Yield Projection Erick Ermawan
4. Liquidty Update Citra Kurniawati
- Cash Flow IDR & USD Hafni Marfu’ah Muhidin
- Wholesale and Retail Business Pratisyara Puspa Widitha Narindra Mahisi
- Borrowing, SWAP & REPO Capacity Muhammad Alviza
5. Ketentuan Spesial Nisbah IDR & USD Marissa Widyanti
6. Ketentuan Pricing Counter DOC harian dan bulanan Sylvano Berlian
7. Ketentuan Pricing Counter Bulanan IDR & USD Rizki Sabily Firdaus
USD
1. ERM Materials
- Funding Trend
2. Market Update
- Financial Sector
- Real Sector
3.ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
USD
funds


No
9 06-Sep-22 1. Liquidity Update Achmad K. Permana**

September 6, 2022 2. Ketentuan Spesial Nisbah Cabang KL-USD Hery Syafril
3. Pembiayaan yang Diagunkan (PYD) PT SMF Karno
Irvan Yulian Noor
1. Liquidity Update Riksa Prakoso
2. Privision of Special KL-USD Branch Ratio Avianto Istiharjo**
3. PT SMF's Collateralized Financing (PYD) Awaldi**
Moh. Madina Hendrik Soe’oed
Demmy Rizkiadhy
Citra Kurniawati
Mustaqim
Hayunaji
10 20-Sep-22 1. Materi IRM Hery Syafril
September 20, 2022 - Funding Trend Avianto Istihardjo**
- World Economic Update Karno
- Local Economic Update Moh. Madina Hendrik Soe’oed
- Bankwide Overview Demmy Rizkiadhy
- Financing Structure Citra Kurniawati
- FDR & RIM Teguh Nugroho
- COF dan Yield Financing Catur Andayani
4. Liquidty Update Fadilla Harika Wijaya
- Cash Flow IDR & USD Erick Ermawan
- Borrowing, SWAP & REPO Capacity Arief Budianto
- Wholesale and Retail Business Gunarko
5. Ketentuan Spesial Nisbah IDR & USD Muhammad Lutfi
6. Ketentuan Pricing Counter DOC harian dan bulanan Astri Piesca Rini
7. Ketentuan Pricing Counter Bulanan IDR & USD Bambang Rudi Hariyanto
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & Dendy Awara Rezka
USD Marissa Widyanti
9. Financing Performance Fatrika Rusdi
10. Pricing Pembiayaan dan FTP Rizki Sabily Firdaus
11. Kebijakan Required Yield Financing Pratisyara Puspa Widitha Narindra Mahisi
14. Pricing Negosiasi wesel export, Usance LC/TR/UPAS Muhammad Alviza
15. Ketentuan back to back Retail & Wholesale Marina Diah Oceanty
16. Mekanisme persetujuan disburse dan dana keluar IDR Eko Dermawan
1. IRM Materials
- Funding Trends
2. Market Update
- World Economic Development
- Local Economy Update
3. ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
- COF and Financing Yield
- COF and Yield Projections
4. Liquidity Update
- Lending Capacity, SWAP & REPO
USD
funds


No
11 27-Sep-22 1. Update Rate Acuan dan Benchmark Pricing Funding Achmad K. Permana**
September 27, 2022 2. Perubahan ketentuan Kewenangan Spesial Nisbah IDR Hery Syafril
3. Perubahan ketentuan spesal nisbah untuk CASA retail Karno
4. Ketentuan FTP IDR Irvan Yulian Noor
5. Ketentuan Required Yield Riksa Prakoso
Avianto Istiharjo**
1. Update on Funding Rate and Benchmark Pricing Purnomo B. Soetadi**
2. Changes to the provisions of IDR Special Rate Authority Moh. Madina Hendrik Soe’oed
3. Changes to special ratio provisions for CASA retail 3. Wang Wardhana
4. Provision on IDR FTP Demmy Rizkiadhy
5. Provision on the Required Yield Citra Kurniawati
Catur Andayani
Agung Prambudi
Catur Andayani
Elisa Ratnawardani
Hafni Marfu’ah Muhidin
Agung Prambudi
Muhammad Lutfi
Marissa Widyanti
Rizki Sabily Firdaus
Pratisyara Puspa Widitha Narindra Mahisi
12 11-Oct-22 1. Liquidity Update Achmad K. Permana**
October 11, 2022 2. Benchmark Rate IDR dan USD Irvan Yulian Noor
3. Ketentuan kewenangan spesal nisbah IDR Purnomo B. Soetadi**
4. Ketentuan kewenangan spesal nisbah USD Riksa Prakoso
Avianto Istiharjo**
1. Liquidity Update Catur Andayani
2. Benchmark Rate for IDR and USD Moh. Madina Hendrik Soe’oed
3. Provision on specific authority for IDR ratio Gunarko
4. Provision on specific authority for USD ratio Hari Chairul Damanik
Muhammad Lutfi
Nesha N. P
Anas Zainuddin
Bagus M


No
13 27-Oct-22 1. Materi IRM Hery Syafril

October 27, 2022 - Funding Trend Avianto Istihardjo**
- World Economic Update Karno
- Local Economic Update Moh. Madina Hendrik Soe’oed
- Bankwide Overview Demmy Rizkiadhy
- Financing Structure Citra Kurniawati
- FDR & RIM Teguh Nugroho
4. Liquidty Update Hafni Marfu’ah Muhidin
- Cash Flow IDR & USD Agung Prambudi
- Borrowing, SWAP & REPO Capacity Erick Ermawan
- Wholesale and Retail Business Arief Budianto
5. Ketentuan Spesial Nisbah IDR & USD Gunarko
6. Ketentuan Pricing Counter DOC harian dan bulanan Muhammad Lutfi
7. Ketentuan Pricing Counter Bulanan IDR & USD Astri Piesca Rini
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR & Prima Ekalisanti
USD Marissa Widyanti
9. Ketentuan Pricing Cabang KL Fatrika Rusdi
10.Financing Performance Rizki Sabily Firdaus
11. Pricing Pembiayaan dan FTP Pratisyara Puspa Widitha Narindra Mahisi
17. Pembukuan penambahan bagi hasil
1. IRM Materials
- Funding Trend
2. Market Update
3. ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
USD
9. Provision on KL Branch Pricing
11. Financing Pricing and FTP
funds
17. Bookkeeping of additional profit sharing


No
14 21-Nov-22 1. Materi IRM Achmad K. Permana**

November 21, 2022 - Funding Trend Hery Syafril
- Current Liquidity Risk Monitoring Avianto Istihardjo**
- World Economic Update Wang Wardhana
- Local Economic Update Demmy Rizkiadhy
- Bankwide Overview Citra Kurniawati
- Funding Structure Teguh Nugroho
- Financing Structure Catur Andayani
- FDR & RIM Elisa Ratnawardani
- COF dan Yield Financing Hafni Marfu’ah Muhidin
- COF dan Yield Projection Bambang Rudi Hariyanto
4. Liquidty Update Prima Ekalisanti
- Cash Flow IDR & USD Fadilla Harika Wijaya
- Borrowing, SWAP & REPO Capacity Eko Dermawan
- Wholesale and Retail Business Muhammad Lutfi
7. Ketentuan Pricing Counter Bulanan IDR & USD Marissa Widyanti
8. Ketentuan spesial nisbah CASA retail & wholesale - IDR Fatrika Rusdi
& USD
9. Ketentuan Pricing Cabang KL
17. Rencana Penggunaan Relaksasi RIM
18. Rencana Redemption Reksadana
1. IRM Materials
- Funding Trend
2. Market Update
3.ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
USD
funds
17. Bookkeeping of additional profit sharing
17. RIM Relaxation Usage Plan
18. Mutual Fund Redemption Plan


No
15 22-Dec-22 1. Materi IRM Hery Syafril

December 22, 2022 - Funding Trend Wahyu Avianto
- Current Liquidity Risk Monitoring Karno
- World Economic Update Wang Wardhana
- Local Economic Update Demmy Rizkiadhy
- Bankwide Overview Citra Kurniawati
- Financing Structure Teguh Nugroho
- FDR & RIM Agung Prambudi
4. Liquidty Update Hafni Marfu’ah Muhidin
- Cash Flow IDR & USD Bambang Rudi Hariyanto
- Borrowing, SWAP & REPO Capacity Prima Ekalisanti
- Wholesale and Retail Business Muhammad Lutfi
6. Spesial Pricing Nasabah WB Funding Marissa Widyanti
7. Ketentuan Pricing Counter DOC harian dan bulanan
USD
10. Ketentuan Pricing Cabang KL
1. IRM Materials
- Funding Trend
2. Market Update
3.ALM Performance
- Bankwide Overview
- Funding Structure
- FDR & RIM
4. Liquidty Update
6. Special Pricing for WB Funding Customers
8.. Provision on IDR & USD Monthly Counter Pricing
USD
funds
*)
**)

Komite Manajemen Risiko

Risk Management Committee
Komite Manajemen Risiko adalah Komite yang dibentuk oleh The Risk Management Committee was established with the
PT Bank Muamalat Indonesia Tbk dalam rangka mendukung purpose of providing support to the President Director and
efektifitas pelaksanaan tugas dan tanggung jawab Direksi the entire Board of Directors regarding risk management
yang berhubungan dengan pengelolaan risiko di Bank at Bank Muamalat Indonesia as well as to provide
Muamalat Indonesia serta memberikan rekomendasi perihal recommendations regarding improvements to the process
perbaikan proses dan sistem manajemen risiko yang efektif. 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.
3. Peraturan Bank Indonesia No. 11/33/PBI/2009 tanggal 3. Bank Indonesia Regulation No. 11/33/PBI/2009 dated 7
7 Desember 2009 tentang Pelaksanaan Good Corporate December 2009 on Implementation of Good Corporate
4. Surat Edaran Otoritas Jasa Keuangan No. 12/13/ DPbS 4. Circular Letter of Financial Services Authority No. 12/13/
tanggal 30 April 2010 tentang Pelaksanaan Good DPbS dated 30 April 2010 on Implementation of Good
Corporate Governance bagi Bank Umum Syariah dan Corporate Governance for Sharia Commercial Banks and
Unit 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
Indonesia Tbk.
PIAGAM KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE CHARTER

Komite Manajemen Risiko Bank Muamalat telah memiliki The Risk Management Committee has established a Charter
Piagam yang dijadikan sebagai panduan dalam menjalankan that serves as a guideline in carrying out its duties, which
tugasnya, yang mengatur di antaranya struktur dan regulates, among others, the structure and membership,
keanggotaan, wewenang dan tanggung jawab, waktu kerja powers and responsibilities, working time, and reporting. The
dan pelaporan. Piagam Komite Manajemen Risiko terakhir Risk Management Committee Charter was last updated on
dikinikan pada tanggal 23 Juni 2022 dan akan dilakukan June 23, 2022, and will update the membership and charter
pembaharuan susunan keanggotaan dan piagam komite of the committee following the changes in the composition
mengikuti perubahan susunan pengurus Perseroan pada of the Company management at the EGMS in 2022 and the
RUPSLB tahun 2022 serta Struktur Organisasi terkini Company's current Organizational Structure.
Perseroan.


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 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 anggot concurrently as a permanent member. Meanwhile, the
atetap dengan hak suara, anggota tetap tanpa hak suara, committee structure is divided into permanent members
dan anggota tidak tetap tanpa hak suara. Adapun komposisi with voting rights, permanent members without voting
Komite Manajemen Risiko per 31 Desember 2022 adalah rights, and non-permanent members without voting rights.
sebagai berikut: The following is the composition of the Risk Management
Committee as of December 31, 2022:
Organisasi
Ketua/Anggota President Director Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021 tentang
Tetap dengan Hak Komite Manajemen Risiko PT Bank Muamalat Indonesia Tbk
Suara The Board of Directors Decree No. 004/B/DIR-KPTS/ II/2021 on the
Chairman/Permanent Member Risk Management Committee of PT Bank Muamalat Indonesia Tbk
with Voting Rights
Wakil Ketua/ Compliance, Risk & Legal Director Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021 tentang
Anggota Tetap Komite Manajemen Risiko PT Bank Muamalat Indonesia Tbk
dengan Hak Suara The Board of Directors Decree No. 004/B/DIR-KPTS/ II/2021 on the
Deputy Chairman/Permanent Risk Management Committee of PT Bank Muamalat Indonesia Tbk
Member with Voting Rights
Anggota Tetap · Financing Director Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021 tentang
dengan Hak Suara · Finance Director Komite Manajemen Risiko PT Bank Muamalat Indonesia Tbk
Permanent Member with Voting · Retail Banking Director The Board of Directors Decree No. 004/B/DIR-KPTS/ II/2021 on the
Rights · Operation Director Risk Management Committee of PT Bank Muamalat Indonesia Tbk
· Chief Wholesale Banking Officer
Sekretaris/ Head of Integrated Risk Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021 tentang
Anggota Tetap Management Komite Manajemen Risiko PT Bank Muamalat Indonesia Tbk
Tanpa Hak Suara The Board of Directors Decree No. 004/B/DIR-KPTS/ II/2021 on the
Secretary/ Permanent Member Risk Management Committee of PT Bank Muamalat Indonesia Tbk
With no Voting Rights
Anggota Tetap · Head of Internal Audit Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021 tentang
Tanpa Hak Suara · Head of Compliance Komite Manajemen Risiko PT Bank Muamalat Indonesia Tbk
Permanent Member With no The Board of Directors Decree No. 004/B/DIR-KPTS/ II/2021 on the
Voting Rights Risk Management Committee of PT Bank Muamalat Indonesia Tbk
Anggota Tidak Tetap Tanpa Hak Kepala Unit Kerja (Head of Level 1) Surat Keputusan Direksi No. 004/B/DIR-KPTS/II/2021 tentang
Suara sesuai agenda pembahasan, yang Komite Manajemen Risiko PT Bank Muamalat Indonesia Tbk
Non-permanent Member with mewakili fungsi operasional, bisnis The Board of Directors Decree No. 004/B/DIR-KPTS/ II/2021 on the
no voting rights dan financing risk Risk Management Committee of PT Bank Muamalat Indonesia Tbk
Head of Work Unit (Head of Level 1)
according to the discussion agenda,
which represents the operational,
business, and financing risk
functions

WEWENANG DAN TANGGUNG JAWAB KOMITE AUTHORITIES AND RESPONSIBILITIES OF THE

MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko dalam menjalankan fungsinya The Risk Management Committee in carrying out its functions
memiliki kewenangan dan tanggung jawab sebagaimana has the authority and responsibilities 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. Holding the 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 tanggungjawab Komite 2. Carrying out the authority and responsibility of the
Manajemen Risiko dan Komite Kebijakan Pembiayaan Risk 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. Carrying 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) Providing input to the Board of Directors
dengan penyusunan organisasi manajemen in relations to the preparation of financing
pembiayaan dan penyusunan kebijakan, management organization and the formulation
terutama yang berkaitan dengan perumusan of policies, especially matters related to the
prinsip kehati-hatian dalam pembiayaan, serta formulation of prudential principles in financing,
kegiatan Bank lainnya. Masukan terkait kebijakan as well as other Bank activities. Inputs related to
mencakup antara lain: policies include, among others:
- Kebenaran pelaksanaan kewenangan - The validity of the implementation of
memutus pembiayaan dan operasional the authority to terminate a financing
pembiayaan (termasuk di dalamnya 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) Conducting supervision to ensure that the
internal pada poin (2) dapat diterapkan dan internal policies and internal provisions in
dilaksanakan secara konsekuen dan konsistensi point (2) can be applied and implemented
serta merumuskan pemecahan apabila terdapat in a consistent manner as well as formulate
hambatan/kendala dalam penerapan kebijakan solutions if there are restrictions/ obstacles in
dan ketentuan internal lainnya. the implementation of policies and other internal
provisions.
(3) Melakukan kajian berkala terhadap kebijakan (3) Periodically reviewing other internal policies
dan ketentuan internal lain serta memberikan and provisions and provide advice to the Board
saran kepada Direksi apabila diperlukan of Directors if changes/ improvements to other
perubahan/perbaikan kebijakan dan ketentuan internal policies and provisions are required.
internal lainnya.
b. Melakukan perbaikan atau penyempurnaan b. Improving or refining the Risk Management
pelaksanaan Manajemen Risiko dengan melakukan implementation through monitoring and evaluation
pemantauan dan evaluasi terhadap: on the following:
(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) Reviewing of the Bank’s overall risk exposure
secara keseluruhan dan memastikan bahwa and ensure that the risk exposure is managed
eksposur risiko dikelola dengan baik. properly.

(3) Kebenaran pelaksanaan ketentuan Batas (3) Validity of the implementation of the provisions
Maksimum Pemberian Pembiayaan (BMPP). on the Legal Lending Limit (LLL)
(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 dengan 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 Providing 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.
SEKRETARIS KOMITE MANAJEMEN RISIKO SECRETARIAT OF THE RISK MANAGEMENT

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 the following:
1. Menyelenggarakan rapat Komite Manajemen Risiko 1. Holding 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. Submitting materials for the Risk Management
kepada peserta rapat yang diundang selambat-lambatnya Committee meeting to the invited meeting participants
1 (satu) hari kerja sebelum rapat diselenggarakan. no later than 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. Preparing 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. Distributing the minutes of meetings to all permanent
tetap Komite Manajemen Risiko dan seluruh peserta members of the Risk Management Committee and all
yang hadir berdasarkan kepentingannya untuk attendees based on their interests to be followed up.
ditindaklanjuti.
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. Monitoring follow-up to the Risk Management Committee
Manajemen Risiko. meeting resolution.

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 “Company Profile” chapter.
PELAKSANAAN KEGIATAN KOMITE IMPLEMENTATION OF RISK MANAGEMENT

MANAJEMEN RISIKO COMMITTEE ACTIVITIES
Sepanjang tahun 2022, Komite Manajemen Risiko telah During 2022, the Risk Management Committee has
memberikan rekomendasi dalam rangka memenuhi tugas provided recommendations in order to meet its duties and
dan tanggung jawabnya dengan rincian sebagai berikut: responsibilities with the following details:
1. Persetujuan dan evaluasi kebijakan yang terkait dengan 1. Approval and evaluation of policies related to risk
manajemen risiko management
2. Persetujuan dan evaluasi limit risiko dan risk appetite. 2. Approval and evaluation of risk limits and risk appetite.
3. Persetujuan laporan profil risiko dan RBBR 3. Approval of risk profile and BBPR reports
4. Persetujuan hasil risk assessment tahun 2022 4. Approval of the risk assessment results in 2022
5. Persetujuan scenario dan hasil dari beberapa stress test. 5. Approval of scenarios and results of several stress tests.
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 is permanent members and have voting rights. The board
suara. Direksi yang menjadi anggota tetap dan memiliki hak of Directors who are permanent members with voting rights
suara yang berhalangan hadir dapat mewakilkan suaranya who are unable to attend and can represent their votes to
kepada Direktur lain yang menjadi anggota tetap dan 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 that 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 2022, Komite Manajemen Risiko telah During 2022, the Risk Management Committee held 6 (six)
menyelenggarakan 6 (enam) kali rapat dengan agenda meetings with the following agenda.
sebagai berikut.


No
1 25 Januari 2022 1. Operational Risk Rating Achmad Kusna Permana**

January 25, 2022 Andri Donny*
Awaldi**
Hery Syafril
Riksa Prakoso
Irvan Yulian Noor
2 9 Maret 2022 1. Credit Risk Update 2022 Achmad Kusna Permana**
March 9, 2022 2. Retail Portfolio Update Andri Donny*
3. Usulan atas Target Market dan Financing Allocation Avianto Istihardjo**
Limit (FAL) Tahun 2022 Awaldi**
1. Credit Risk Update for 2022 Hery Syafril
2. Update on Retail Portfolio Riksa Prakoso
3. Proposed Target Market and Financing Allocation Limit Irvan Yulian Noor
(FAL) for 2022
3 30 Mei 2022 1. Credit Risk Update Posisi April 2022 Achmad Kusna Permana**
May 30, 2022 2. Retail Portfolio Financing Analysis Posisi April 2022 Andri Donny*
3. Mekanisme Persetujuan Restrukturisasi Pembiayaan Avianto Istihardjo**
pada Rapat Direksi Awaldi**
4. Operational Risk Update April 2022 Purnomo B Soetadi**
1. Credit Risk Update Position for April 2022 Riksa Prakoso
2. Retail Portfolio Financing Analysis for April 2022 Position Irvan Yulian Noor
3. Financing Restructuring Approval Mechanism at the
Board of Directors Meeting
4. Operational Risk Update for April 2022
4 11 Agustus 2022 1. Credit Risk Update - Posisi Juni 2022 Achmad Kusna Permana**
August 11, 2022 2. Stress Test 2022 Portfolio Wholesale Financing Karno
3. Operational Risk Update - Posisi Juni 2022 Avianto Istihardjo**
1. Credit Risk Update position for June 2022 Awaldi**
2. 2022 Portfolio Wholesale Financing Stress Test Riksa Prakoso
3. Operational Risk Update position for June 2022 Irvan Yulian Noor
Hery Syafril
5 11 Oktober 2022 1. Credit Risk Update Posisi September 2022 Achmad Kusna Permana**
October 11, 2022 2. Operational Risk Update Agustus 2022 Karno
1. Credit Risk Update Position for September 2022 Avianto Istihardjo**
2. Operational Risk Update for August 2022 Awaldi**
Purnomo B Soetadi**
Riksa Prakoso
Irvan Yulian Noor
6 19 Desember 2022 1. Credit Risk & Operational Risk Highlight Karno
December 19, 2022 2. Target Market & Financing Allocation Limit 2023 Riksa Prakoso
3. Retail Financing Performance Irvan Yulian Noor
4. Produk Fisik Emas Digital
5. Aktivitas Penjualan Bancassurance dengan Metode
Distribusi
1. Credit Risk & Operational Risk Highlight
2. Target Market & Financing Allocation Limit for 2023
3. Retail Financing Performance
4. Digital Gold Physical Product
5. Bancassurance Sales Activity with Distribution Method
*)
**)
KEPUTUSAN DI LUAR RAPAT KOMITE DECISIONS OUTSIDE THE RISK MANAGEMENT

MANAJEMEN RISIKO 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
Manajemen Risiko. Keputusan Komite Manajemen Risiko the Chairman of the Risk Management Committee. The
yang dilakukan secara sirkular mengikat semua anggota Risk Management Committee's decision, carried out in a
atau unit kerja di Bank Muamalat Indonesia terkait dengan 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 committee members with voting rights have
yang diajukan. approved unanimously on the submitted proposal.

TINDAK LANJUT KEPUTUSAN KOMITE FOLLOW-UP TO THE RISK MANAGEMENT

MANAJEMEN RISIKO COMMITTEE MEETING RESOLUTION
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 up
usulan yang ditujukan kepada Direksi untuk memperoleh with a proposal memo addressed to the Board of Directors
keputudan lebih lanjut. Memo usulan disusun oleh unit kerja to obtain further decisions. The proposal memo is prepared
yang menyampaikan usulan tersebut dalam rapat Komite by the work unit that submits the proposal at the Risk
Manajemen Risiko. Jika terdapat Unit Kerja yang melakukan Management Committee meeting. In the event that there
presentasi dalam Rapat Komite Manajemen Risiko, maka 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

Komite Sumber Daya Manusia ialah komite yang dibentuk The Human Capital Committee was established with the aim
oleh Bank Muamalat untuk membantu tugas Direksi dan of assisting the duties of the Board of Directors and Senior
Senior Management dalam memenuhi tanggung jawab Management in fulfilling supervisory responsibilities related
supervisory terkait pengembangan organisasi, manajemen to organizational development, succession management, and
suksesi, dan implementasi kebijakan-kebijakan sumber implementation of human capital policies. This committee
daya manusia. Komite ini dibentuk pada tingkatan/level is established at the corporate level, directorate, regional
korporasi, direktorat, kantor wilayah atau region dan pada or area office, and the work unit responsible for managing
unit kerja yang bertanggung jawab terhadap pengelolaan the office network and distribution. This committee is
jaringan kantor dan distribusi. Komite ini diharapkan dapat expected to be able to mitigate risks for the management
melakukan mitigasi risiko atas pengelolaan dan penyelesaian and resolution of every labor issue.
setiap masalah ketenagakerjaan.

Komite Sumber Daya Manusia Bank Muamalat Indonesia The Human Capital Committee of Bank Muamalat Indonesia
dibentuk dengan berpedoman pada peraturan perundang- 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,
PBI/2009 tanggal 7 Desember 2009 tentang Pelaksanaan dated December 7, 2009, on the Implementation of Good
Good Corporate Governance bagi Bank Umum Syariah Corporate Governance for Sharia Commercial Banks and
dan Unit Usaha Syariah dan Piagam Komite Sumber Daya Sharia Business Units and the Charter of the Human Capital
Manusia. Committee.

PIAGAM KOMITE SUMBER DAYA MANUSIA HUMAN CAPITAL COMMITTEE CHARTER

Komite Sumber Daya Manusia Bank Muamalat telah memiliki Bank Muamalat prepared Human Capital Committee Charter
Piagam sebagai pedoman dalam menjalankan perannya, as guidelines for carrying out its role, which regulates the
yang mengatur di antaranya struktur dan keanggotaan, structure and membership, authority and responsibility,
wewenang dan tanggung jawab, waktu kerja dan pelaporan. working time, and reporting. The Human Capital Committee
Piagam Komite Sumber Daya Manusia terakhir dikinikan Charter was last updated on June 6, 2017, and the
pada tanggal 6 Juni 2017 dan akan dilakukan pembaharuan membership and charter of the committee will be updated
susunan keanggotaan dan piagam komite mengikuti following the changes in the composition of the Company's
perubahan susunan pengurus Perseroan pada RUPSLB management at the EGMS in 2022 and the Company's
tahun 2022 serta Struktur Organisasi terkini Perseroan. current organizational structure.
STRUKTUR, KOMPOSISI DAN DASAR STRUCTURE, COMPOSITION, AND BASIS OF

Berikut adalah komposisi keanggotaan Komite Sumber Daya The following is the Human Capital Committee membership
Manusia per 31 Desember 2022. composition as of December 31, 2022.
Organisasi
Ketua Merangkap President Director Surat Keputusan No. 023/R/DIR/KPTS/VI/2017 tentang
Anggota Pembentukan Komite Sumber Daya Manusia PT Bank Muamalat
Chairman Concurrently Indonesia Tbk
Decree No. 023/R/DIR/KPTS/VI/2017 on the Establishment of the
Human Capital Committee of PT Bank Muamalat Indonesia Tbk
Sekretaris Merangkap Anggota Head of HC Strategy Surat Keputusan No. 023/R/DIR/KPTS/VI/2017 tentang
Member Pembentukan Komite Sumber Daya Manusia PT Bank Muamalat
Secretary concurrent member Indonesia Tbk
Decree No. 023/R/DIR/KPTS/VI/2017 on the Establishment of the
Human Capital Committee of PT Bank Muamalat Indonesia Tbk
Anggota · Compliance, Risk & Legal Director Surat Keputusan No. 023/R/DIR/KPTS/VI/2017 tentang
Member · Finance Director Pembentukan Komite Sumber Daya Manusia PT Bank Muamalat
· Operation Director Indonesia Tbk
· Retail Banking Director Decree No. 023/R/DIR/KPTS/VI/2017 on the Establishment of the
· Financing Director Human Capital Committee of PT Bank Muamalat Indonesia Tbk
· Chief Wholesale Banking 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 tinggi. the senior management team level and/or higher.
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 Profile of the chairman of the Human Capital Committee is
bab “Profil Perusahaan”. available in the “Company Profile” chapter

PELAKSANAAN KEGIATAN KOMITE SUMBER IMPLEMENTATION OF HUMAN CAPITAL

DAYA MANUSIA COMMITTEE ACTIVITIES
Sepanjang tahun 2022, Komite Sumber Daya Manusia telah During 2022, the Human Capital Committee has provided
memberikan rekomendasi dalam rangka memenuhi tugas recommendations in order to meet its duties and
dan tanggung jawabnya yakni rekomendasi terkait struktur responsibilities, namely recommendations related to the
organisasi Perseroan yang sesuai dengan kebutuhan Bank Company's organizational structure in accordance with the
dan kajian terkait SMT Promotion & Talent Management needs of the Bank and studies related to SMT Promotion &
Program. Talent Management Program.
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 held at least
setidaknya 1 (satu) kali dalam sebulan atau sewaktu-waktu 1 (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
dihadiri oleh minimal separuh lebih anggota Komite yang of the Committee members with voting rights. The meeting
memiliki hak suara. Rapat dipimpin oleh ketua komite dan is chaired by the committee's Chairman, 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 tatap muka atau Meetings are held face-to-face or via video call. The
melalui video konferensi. Ketua dapat menggelar rapat Chairman can hold a meeting if there are urgent issues that
apabila terdapat permasalahan yang mendesak yang harus the committee must discuss and decide. The committee also
didiskusikan dan diputuskan oleh komite. Komite juga has the authority to invite the head of the relevant work unit
memiliki kewenangan untuk mengundang pimpinan unit to provide the necessary information and clarification as well
kerja terkait untuk memberikan informasi dan klarifikasi as provide suggestions and recommendations but does not
yang diperlukan serta dapat memberikan usulan dan have a say in the decision-making process.
rekomendasi namun tidak 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 support.
memorandum sebagai pendukung oleh anggota komite.
Apabila terdapat pembahasan yang tidak dapat diputuskan In the event that there is a discussion that the committee
oleh komite pada suatu level dapat diajukan oleh Ketua cannot decide 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
pada level komite yang lebih tinggi. Hasil dan keputusan in 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.
Sepanjang tahun 2022, Komite Sumber Daya Manusia telah In 2022, the Human Capital Committee held 4 (four)
menyelenggarakan 4 (empat) kali rapat yang diselenggarakan meetings, which were as follows.
sebagai berikut.


No
1. 17 Februari 2022 1. Achmad K Permana**
February 17, 2022 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. Vino Y. Lamantu
11. Esti Budiarti
12. Anton Hendrianto
13. M. Dinar Prasetya
14. Andi Suryawan
15. Rima Rizky
2 20 Mei 2022 1. Achmad K Permana**
May 20, 2022 2. Andri Donny*
3. Hery Syafril
4. Awaldi**
6. Riksa Prakoso
7. Avianto**
9. M. Ade Kurniawan
10. Vino Y. Lamantu
11. Esti Budiarti
13. Andi Suryawan
14. Erawan Hanafie
3 7 Juni 2022 1. Achmad K Permana**
June 7, 2022 2. Andri Donny*
3. Hery Syafril
4. Awaldi**
6. Riksa Prakoso
7. Avianto**
9. Vino Y. Lamantu
10. Esti Budiarti

4 16 Agustus 2022 1. Achmad K Permana**
August 16, 2022 2. Karno
3. Hery Syafril
4. Awaldi**
5. Avianto**
6. Riksa Prakoso
8. Anton Hendrianto
9. Vino Y. Lamantu
10. Esti Budiarti
11. Dienul Charya
*)
**)

Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan Bank Muamalat bertanggung Bank Muamalat has Corporate Secretary in charge of assisting
jawab dalam membantu Direksi dan Dewan Komisaris the Board of Directors and Board of Commissioners regarding
terkait pelaksanaan tata kelola perusahaan sesuai dengan the implementation of corporate governance following the
peraturan perundang-undangan terkait, khususnya relevant laws and regulations, especially the provisions of
ketentuan pasar modal dalam hal keterbukaan Informasi the capital market in terms of information disclosure to the
kepada masyarakat, yang dilaksanakan melalui pelaporan public, which is carried out through reporting to government
kepada instansi pemerintahan dan pengumuman dalam agencies and announcements on the website and printed
website serta media cetak (apabila diwajibkan). Sekretaris media (if required). The Corporate Secretary takes a role in
Perusahaan juga berperan dalam memastikan tercapainya ensuring the achievement of an improved image of Bank
peningkatan citra Bank Muamalat melalui pengelolaan Muamalat through managing corporate communications
komunikasi perusahaan dengan pihak internal dan eksternal; with internal and external parties; administering Company
mengadministrasikan dokumen Perusahaan; membina documents; fostering relationships among institutions such
hubungan antar lembaga seperti regulator pasar modal, as capital market regulators, shareholders, media, and other
pemegang saham, media serta pemangku kepentingan stakeholders.
lainnya.

Dasar hukum pembentukan Sekretaris Perusahaan ialah The legal basis for the establishment of the Corporate
Peraturan Otoritas Jasa Keuangan (POJK) No. 35/POJK.04/2014 Secretary is the Financial Services Authority Regulation
tentang Sekretaris Perusahaan Emiten atau Perusahaan (POJK) No. 35/POJK.04/2014 concerning the Corporate
Publik, Surat Keputusan Direksi PT Bursa Efek Indonesia No. Secretary of Issuers or Public Companies, Decree of the
Kep00001/BEI/01-2014 perihal Perubahan Peraturan No. I-A: Board of Directors of PT Bursa Efek Indonesia No. Kep00001/
tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain BEI/01-2014 regarding Amendments to Regulation No. I-A:
Saham yang Diterbitkan Oleh Perusahaan Tercatat serta concerning the Listing of Shares and Equity Securities Other
Surat Keputusan No. 010/HCE/KEP/XII/2018 dan efektif sejak than Shares Issued by Listed Companies as well as Decree
tanggal 14 Desember 2018. No. 010/HCE/KEP/XII/2018 and effective since December 14,
2018.
PROFIL SEKRETARIS PERUSAHAAN CORPORATE SECRETARY PROFILE
Hayunaji
Sekretaris Perusahaan
Corporate Secretary

Citizen
Domicile
Age

Dasar Hukum Surat Keputusan No. 010/HCE/KEP/XII/2018 dan efektif Decree No. 010/HCE/KEP/XII/2018 effective since
Pengangkatan sejak tanggal 14 Desember 2018 December 14, 2018
Legal Basis for Appointment
Riwayat Pendidikan Sarjana Ekonomi, Universitas Indonesia (1996) Bachelor in Economics, Faculty of Economics
Education Background University of Indonesia, 1996
Rangkap Jabatan - -
Dual Position
Pengalaman Kerja • Head of Corporate Affairs PT Bank Muamalat • Head of Corporate Affairs PT Bank Muamalat
Work Experience Indonesia Tbk (Desember 2018-sekarang) Indonesia Tbk (December 2018-Present)
• Vice President, Board Office Head PT Bank CIMB • Vice President, Board Office Head PT Bank CIMB
Niaga Tbk (April 2015-Desember 2018) Niaga Tbk (April 2015-December 2018)
• Vice President, CEO Office Head PT Bank CIMB Niaga • Vice President, CEO Office Head PT Bank CIMB Niaga
Tbk (Januari 2015-April 2015) Tbk (January 2015-April 2015)
• Vice President, Strategy & Performance Management • Vice President, Strategy & Performance Management
Head PT Bank CIMB Niaga Tbk Head PT Bank CIMB Niaga Tbk
(Maret 2014-Januari 2015) (March 2014-January 2015)
• Vice President, Investor Relations & Reporting Head • Vice President, Investor Relations & Reporting Head
PT Bank CIMB Niaga Tbk PT Bank CIMB Niaga Tbk
(September 2006-Maret 2014) (September 2006-March 2014)
• Senior Manager, Investor Relations Development PT • Senior Manager, Investor Relations Development PT
Bank Permata Tbk (Januari 2003-Agustus 2006) Bank Permata Tbk (January 2003-August 2006)
• Change Management, Merger Integration Office, • Change Management, Merger Integration Office,
5 Banks Merger (Indonesian Bank Restructuring 5 Banks Merger (Indonesian Bank Restructuring
Agency and Accenture) (September 2002-Januari Agency and Accenture) (September 2002-January
2003) 2003)
• Senior Assistant Manager, Investor Relations • Senior Assistant Manager, Investor Relations
Development PT Bank Universal Tbk Development PT Bank Universal Tbk
(Desember 1999-Agustus 2002) (December 1999-August 2002)
• Assistant Manager, Priority Banking PT Bank Duta • Assistant Manager, Priority Banking PT Bank Duta
Tbk (Maret 1998-Desember 1999) Tbk (March 1998-December 1999)
TUGAS DAN TANGGUNG JAWAB SEKRETARIS DUTIES AND RESPONSIBILITIES OF

PERUSAHAAN CORPORATE SECRETARY
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. Representing the Board of Directors in its relations with
institusi baik pemerintah maupun swasta. 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. provisions 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. Compiling a list of shareholders with ownership of 5% or
kepemilikan saham 5% atau lebih. more shares.
5. Mengawasi berbagai kegiatan kesekretariatan korporasi 5. Overseeing various corporate secretarial activities and
dan protokoler, korespondensi, dan kerumahtanggaan protocols, 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. Implementing and supervising 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 Tahunan, Luar Biasa dan aksi korporasi. 7. Holding Annual and Extraordinary GMS and corporate
actions.

8. Berkoordinasi dengan unit kerja internal terkait dan 8. Coordinating with the related internal work units and
pihak eksternal dalam upaya melancarkan kegiatan external parties 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 delivering
dengan penerimaan dan penyampaian informasi and accepting corporate information and holding
korporasi serta pelaksanaan rapat Direksi dan Dewan meetings of the Board of Directors and the Board of
10. Memberikan pelayanan kepada para pemangku 10. Providing services to the stakeholders for any
kepentingan (stakeholders) atas setiap informasi yang information needed 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. Carrying 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 with interested parties.
13. Mengelola penyimpanan dokumen aktif dan inaktif 13. Managing the storage of active and inactive documents
perusahaan of the Company
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
Head of CEO Office Board Relations Management Relation
Executive Secretary
PELAKSANAAN TUGAS 2022 DUTIES IMPLEMENTATION IN 2022

Sepanjang tahun 2022, Sekretaris Perusahaan bersama Throughout 2022, 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 the Board of Directors
Direksi serta membuat risalah hasil Rapat Direksi, Rapat Meetings and preparing minutes of the results of the
Dewan Komisaris, dan Rapat Gabungan antara Dewan Board of Directors Meetings, Board of Commissioners
Komisaris serta Direksi. Meetings, and Joint Meetings between the Board of
Commissioners and Board of 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), held
yang telah diselenggarakan secara fisik pada tanggal 28 physically on February 28, 2022, June 24, 2022, and
Februari 2022, 24 Juni 2022 dan 29 November 2022 di November 29, 2022, at Muamalat Tower, Jakarta, by
Muamalat Tower, Jakarta dengan menerapkan protokol implementing the applicable health protocols.
kesehatan yang berlaku
3. Mengembangkan strategi komunikasi dan menjaga 3. Developing a communication strategy and maintaining
hubungan baik dengan para pemangku kepentingan good relations with regulators, institutional and
seperti regulator, para pemegang saham institusi dan individual shareholders, as well as capital market
individu, lembaga dan profesi penunjang pasar modal. supporting institutions.
4. Melaksanakan penyampaian pelaporan yang menjadi 4. Carrying out the submission of reporting becomes
kewajiban Bank sebagai perusahaan terbuka kepada an obligation of the Bank as a public company to the
regulator. regulator.
5. Menyusun laporan tahunan (annual report) dan 5. Preparing the annual report and ensuring all information
memastikan seluruh informasi yang disampaikan adalah presented is accurate and the information disclosure
akurat dan disclosure informasi terpenuhi sesuai regulasi. meets the regulations.
6. Melaksanakan Aksi Korporasi PMHMETD, penerbitan 6. Executing PMHMETD Corporate Action, Subordinated
Sukuk Subordinasi dan aksi korporasi lainnya bersama Sukuk issuance and other corporate actions together
dengan unit kerja terkait. with related work units.
7. Berkoordinasi dengan Marketing & Customer Management 7. Coordinating with Marketing & Customer Management
dalam melakukan kegiatan Tanggung Jawab Sosial in carrying out Corporate Social Responsibility (CSR)
Perusahaan/Corporate Social Responsibility (CSR). activities.
8. Melakukan kewajiban publikasi Bank dalam bentuk 8. Carrying out the Bank’s publication obligations in the
materi keterbukaan informasi, iklan korporasi dan form of information disclosure materials, corporate
promosi selama tahun 2022 melalui media cetak dan advertisements, and promotions during 2022 through
website Perseroan. print media and the Company’s website.
9. Menerbitkan siaran pers, memberikan hak jawab, dan 9. Issuing press releases, providing rights of reply, and
berkomunikasi dengan para wartawan media cetak dan communicating with journalists of print and electronic
elektronik. media.
10. Melakukan reminder terhadap kewajiban pelaporan 10. Conducting 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. Conducting training and knowledge sharing with
dan regulasi terkait pasar modal materials and regulations related to the capital market
12. Melakukan self-assessment pelaksanaan GCG Semester 12. Conducting the self-assessment on GCG implementation
I dan II tahun 2022 terkait pelaksanaan tugas dan in Semesters I and II of 2022 related to the implementation
tanggung jawab Dewan Komisaris dan Direksi. of the duties and responsibilities of the Board of
13. Melakukan pengaturan protokoler untuk mendampingi Commissioners and Board of Directors.
dan memenuhi kebutuhan dari Direksi dan Dewan 13. Arranging protocols to assist and fulfill the needs of the
Komisaris. Board of Directors and Board of Commissioners.
14. Mengelola penyimpanan dokumen aktif dan inaktif 14. Managing the storage of active and inactive documents
Perusahaan of the Company.

Bank senantiasa mendorong Sekretaris Perusahaan untuk The Bank continues to encourage the Corporate Secretary
melakukan pengembangan kompetensi melalui pelatihan- to develop competencies through trainings in 2022. Detailed
pelatihan pada tahun 2022. Informasi lengkap mengenai hal information regarding this matter is presented in the
ini disampaikan dalam bab “Profil Perusahaan.” "Company Profile" chapter.

Satuan Kerja Audit Internal (SKAI)

Internal Audit Work Unit (IAU)
SKAI ialah satuan pengawasan Bank Muamalat sebagai The IAU is a supervisory unit of Bank Muamalat as part of
bagian dari sistem pengendalian intern yang mencakup the internal control system which includes examination
pemeriksaan dan penilaian atas kecukupan dan efektivitas and assessment of the adequacy and effectiveness of the
sistem pengendalian intern yang bertujuan memberikan internal control system which aims to provide adequate
keyakinan memadai kepada manajemen bahwa proses tata assurance to management that the governance process,
kelola, manajemen risiko dan sistem pengendalian intern risk management and internal control system have been
telah berjalan dengan efektif dalam rangka membantu running effectively in order to assist management realizing
manajemen merealisasikan tujuan perusahaan. the Company’s objectives.
Dalam pelaksanaannya, SKAI Bank Muamalat menggunakan In its implementation, the IAU uses the Risk-Based Audit
pendekatan Audit Berbasis Risiko (Risk Based Audit) yang approach which goes through the stages of preparing an
melalui tahapan penyusunan rencana audit, pelaksanaan audit plan, implementing audit assignments, reporting audit
penugasan audit, pelaporan hasil audit dan pemantauan results, and monitoring the follow-up to fulfill the audit
tindak lanjut pemenuhan komitmen hasil audit. commitments.
PIAGAM AUDIT INTERN INTERNAL AUDIT CHARTER

Bank Muamalat telah memiliki Piagam Audit Intern yang Bank Muamalat has an Internal Audit Charter which has
telah dikinikan pada bulan Juni tahun 2021 dan telah been updated in June 2021 and has been approved by the
disetujui oleh Dewan Komisaris dengan rekomendasi dari Board of Commissioners with recommendations from the
Komite Audit serta ditetapkan oleh Direktur Utama. Piagam Audit Committee and stipulated by the President Director.
tersebut merupakan pernyataan formal yang menegaskan The charter is a formal statement that confirms the vision
visi dan misi, struktur dan kedudukan, ruang lingkup, tugas and mission, structure and position, scope, duties and
dan tanggung jawab, wewenang, kualifikasi serta kode etik responsibilities, authority, qualifications and auditor code of
auditor, yang dikaji ulang dan diperbaharui secara berkala. ethics, which is reviewed and updated regularly.
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 concerning
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 concerning
tentang Pembentukan dan Pedoman Penyusunan Piagam Establishment and Guidelines for the Internal Audit Charter
Audit Intern. Preparation.

PENGANGKATAN DAN PEMBERHENTIAN APPOINTMENT AND DISMISSAL OF THE HEAD

KEPALA SKAI OF IAU
Merujuk kepada Peraturan OJK No. 01/POJK.03/2019 Referring to the OJK Regulation No. 01/POJK.03/2019
tentang Penerapan Fungsi Audit Intern pada Bank Umum, concerning the Implementation of Internal Audit Function
Kepala SKAI Bank Muamalat diangkat dan diberhentikan in Commercial Banks, the Head of IAU of Bank Muamalat
oleh Direktur Utama setelah mendapatkan persetujuan dari is appointed and dismissed by the President Director after
Dewan Komisaris dengan mempertimbangkan rekomendasi obtaining approval from the Board of Commissioners by
dari Komite Audit. Berdasarkan SK Direksi No. 003/DIR- considering recommendations from the Audit Committee.
KPTS/I/2021 tanggal 26 Januari 2021 dan Persetujuan Based on the Decree of the Board of Directors No. 003/DIR-
Dewan Komisaris yang tertuang dalam Surat No. 07/R/PRD- KPTS/I/2021 dated January 26, 2021 and the Approval of the
SRT/I/2021 tanggal 11 Januari 2021, terhitung efektif sejak Board of Commissioners contained in Letter No. 07/R/PRD-
tanggal 28 Januari 2021, Riva Yan Abdillah menjabat sebagai SRT/I/2021 dated January 11, 2021, effective from January
Kepala SKAI Bank Muamalat dan pengangkatannya telah 28, 2021, Riva Yan Abdillah served as the Head of IAU of
dilaporkan kepada OJK berdasarkan surat Bank Muamalat Bank Muamalat and the appointment has been reported to
No. 017/B/PRD-SRT/I/2021 tanggal 26 Januari 2021 perihal the OJK based on Bank Muamalat's letter No. 017/B/PRD-
Laporan Penggantian Head of internal Audit PT Bank SRT/I/2021 dated January 26, 2021 regarding the Report
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 Quality Assurance and

Head Office Desk Audit Region & Channel Audit Financing Audit Audit Audit Methodology
JUMLAH PEGAWAI DAN SERTIFIKASI PROFESI TOTAL EMPLOYEES AND PROFESSIONAL

AUDITOR AUDITORS CERTIFICATION
Pada posisi 31 Desember 2022, pegawai SKAI berjumlah As of December 31, 2022, the total Company’s IAU
24 (dua puluh empat) orang yang memiliki kompetensi di employees were 24 (twenty-four) with competence in audit
bidang audit dan sertifikasi dalam bidang manajemen risiko and certification in 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
sertifikasi profesi audit internal level auditor dan supervisor. auditor and supervisor level internal audit professional
certification.

PROFIL KEPALA SKAI HEAD OF IAU PROFILE
Riva Yan Abdillah

Kepala Satuan Kerja Audit Internal
Head of the Internal Audit Unit

Citizen
Domicile
Age
Dasar Hukum Diangkat sebagai Kepala SKAI PT Bank Muamalat Appointed as the Head of the IAU of PT Bank
Pengangkatan Indonesia Tbk berdasarkan Surat Keputusan No. Muamalat Indonesia Tbk based on Decree No. 003/B/
Legal Basis for Appointment 003/B/DIR-KPTS/1/2021 tanggal 26 Januari 2021 DIR-KPTS/1/2021 dated January 26, 2021
Riwayat Pendidikan Sarjana Ekonomi Bachelor in Economics
Education Background
Rangkap Jabatan - -
Dual Position
Pengalaman Kerja • Internal Audit Group Head, PT Bank MNC • Internal Audit Group Head, PT Bank MNC
Work Experience International Tbk (2017-2021) International Tbk (2017-2021)
• Assistant Head of Internal Audit, PT Bank ICBC • Assistant Head of Internal Audit, PT Bank ICBC
• Internal Audit Team Leader, PT Bank Commonwealth • Internal Audit Team Leader, PT Bank Commonwealth
(2006-2009) (2006-2009)
• Internal Auditor, PT Bank Mega Tbk (2003-2006) • Internal Auditor, PT Bank Mega Tbk (2003-2006)
• Internal Auditor, PT Bank Panin Tbk (1997-2003) • Internal Auditor, PT Bank Panin Tbk (1997-2003)
Sertifikasi • Certified Risk Management Professional (CRMP) • Certified Risk Management Professional (CRMP)
Certification • Credit Skill Assessment Certification (CSAC) • Credit Skill Assessment Certification (CSAC)
• Sertifikasi Manajemen Risiko Level 4 • Risk Management Certification Level 4
TUGAS DAN TANGGUNG JAWAB SKAI IAU DUTIES AND RESPONSIBILITIES
Tugas Pokok Main Duties

1. Membantu tugas Direktur Utama dan Dewan 1. Assisting the President Director, and the Board
Komisaris dalam melakukan pengawasan dengan cara 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. Assessing and evaluating the efficiency and effectiveness
bidang keuangan, akuntansi, operasional, sumber daya in finance, accounting, operations, human resources,
manusia, pemasaran, teknologi informasi, dan aktivitas marketing, information technology, and other activities;
lainnya;

3. Mengidentifikasi segala kemungkinan untuk 3. Identifying all possibilities to improve and increase the
memperbaiki dan meningkatkan efisiensi penggunaan efficiency in leveraging resources and funds;
sumber daya dan dana;
4. Memberikan saran perbaikan dan informasi yang 4. Providing improvement suggestions and objective
objektif tentang kegiatan yang diperiksa pada semua information on activities audited at the entire
tingkatan manajemen. management level.

Kepala SKAI memiliki tanggung jawab sebagai berikut: The Head of IAU has the following responsibilities:
1. Membuat perencanaan audit tahunan berdasarkan 1. Preparing an 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 from 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. Drafting report on the internal audit result and
kepada Direktur Utama dan Dewan Komisaris dengan submitting 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. Conducting special audits and/or investigations of
atas dugaan pelanggaran kode etik dan/atau fraud the alleged violations of the code of conduct and/or
(berkoordinasi dengan fungsi anti-fraud) serta fraud (coordinating with anti-fraud function) as well as
menyampaikan hasilnya kepada Direktur Utama dan submitting 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 on
tindak lanjut hasil audit oleh auditee dan menyampaikan audit results by the auditee and submitting the report
laporan kepada Direktur Utama, Dewan Komisaris, to 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 internal audit implementation strategy by
merumuskan prinsip-prinsip audit intern yang mencakup formulating internal audit principles, which include the
metodologi, perangkat dan teknik audit yang memadai adequate audit methodology, tools, and techniques, as
serta metodologi pengendalian mutu audit; well as audit quality control methodology;
7. Menyampaikan temuan audit terkait pelaksanaan 7. Submitting audit findings related to compliance
pemenuhan prinsip syariah kepada Dewan Pengawas implementation with sharia principles to the Sharia
Syariah; Supervisory Board;
8. Dapat berperan sebagai konsultan bagi Bank antara lain 8. Being capable of being a consultant for the Bank by
dengan memberikan tanggapan atas usulan kebijakan, providing feedback on the proposed policies, systems,
sistem, dan prosedur untuk memastikan kecukupan and procedures to ensure the adequacy of internal
pengendalian intern; control;
9. Menjaga kompetensi dan profesionalisme auditor 9. Maintaining competence and professionalism of internal
intern melalui program pendidikan berkelanjutan untuk auditors through continuous education programs
melengkapi pengetahuan dan ketrampilan auditor intern to complement the knowledge and skills of internal
yang sesuai dengan kompleksitas dan usaha kegiatan auditors following the complexity and business activities
Bank; of the Bank;
10. Mengembangkan metodologi, perangkat dan teknik 10. Developing 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. Ensuring the implementation of the internal audit
11. Memastikan pelaksanaan fungsi audit intern sesuai function is in line with Internal Audit Professional
dengan Standar Profesional Audit Intern dan Kode Etik Standards and Internal Audit Code of Conduct;
Audit Intern;
12. Menyusun dan mengkaji Piagam Audit Intern secara 12. Periodically drafting and reviewing the Internal Audit
berkala; dan Charter; and

13. Memastikan sumber daya manusia memiliki kompetensi 13. Ensuring that the human capital has competence
sesuai dengan kebutuhan dalam pelaksanaan tugas following the needs in running Internal Audit tasks.
Internal Audit.
PELAKSANAAN KEGIATAN TAHUN 2022 ACTIVITIES IMPLEMENTATION IN 2022

Di tahun 2022, SKAI telah melaksanakan 34 (tiga puluh empat) In 2022, IAU carried out 34 (thirty-four) audit assignments
penugasan audit yang terdiri dari 27 (dua puluh tujuh) audit consisting of 27 (twenty-seven) regular audits and 7 (seven)
reguler dan 7 (tujuh) audit adhoc berdasarkan permintaan ad-hoc audits based on requests by the management or
dari manajemen ataupun regulator. Penugasan audit di regulators. Audit assignments in 2022 focused on several
tahun 2022 difokuskan pada beberapa aktivitas, antara activities, including management of third-party services and
lain yaitu pengelolaan jasa pihak ketiga dan pengelolaan liquidity management, reporting activities to regulators,
likuiditas, aktivitas pelaporan ke regulator, aktivitas financing activities and management of non-performing
pembiayaan dan pengelolaan aset bermasalah, pengelolaan assets, product management and customer complaints,
produk dan keluhan nasabah, operasional dan pengamanan operations, and information security, as well as several
informasi serta beberapa tematik audit terkait dokumentasi thematic audits related to financing documentation and
pembiayaan dan pengelolaan kas. Realisasi penugasan audit cash management. As an independent function within
dan pemenuhan komitmen tindak lanjut hasil audit dipantau the IAU organization, the Quality Assurance unit regularly
secara berkala oleh unit Quality Assurance yang merupakan monitors the realization of audit assignments and fulfillment
fungsi independen pada organisasi SKAI. of commitment to following up on audit results.
FOKUS DAN RENCANA AUDIT TAHUN 2023 FOCUS AND AUDIT PLAN IN 2023
Pemeriksaan SKAI Bank Muamalat akan fokus dilakukan The investigation by Bank Muamalat will focus on high-risk
pada aktivitas yang berisiko tinggi berdasarkan hasil risk activities based on the risk assessment results, including
assessment, yang meliputi aktivitas di Kantor Cabang, Kantor activities at the Branch Office, Head Office (Business
Pusat (Bisnis dan Fungsi Pendukung), aktivitas pembiayaan and Support Functions), financing activities in various
di berbagai segmentasi dan aktivitas Teknologi Informasi, segmentations, and Information Technology activities, with
dengan fokus pemeriksaan pada: a focus on investigating the following:
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 beberapa area yang 2. Operational activities in several areas covering the
mencakup Kantor Cabang Utama, dimana penugasan Main Branch Office, where this assignment is thematic
ini bersifat tematik dengan mekanisme surprise audit in nature with a surprise audit mechanism as a
sebagai pemenuhan pilar deteksi Penerapan Strategi fulfillment of the detection pillars of Anti Fraud Strategy
Anti Fraud; Implementation;
3. Aktivitas bisnis dan fungsi pendukung di Kantor Pusat, 3. Business activities and support functions at the Head
antara lain Treasury & Global Market, procurement dan Office, including Treasury & Global Market, procurement
vendor management serta 1 anak perusahaan; and vendor management, as well as one subsidiary;
4. Aktivitas teknologi informasi, antara lain pengembangan 4. Information technology activities, including development
& penyedia jasa pihak ketiga, jaringan komunikasi, & providers of the 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, a mandatory audit from the
audit dari regulator. regulator.
6. Mengembangkan fungsi audit berbasis teknologi untuk 6. Developing a technology-based audit function to
memperkuat deteksi kelemahan pengendalian intern strengthen the detection of internal control weaknesses
menggunakan program data query melalui database using a data query program through the Bank's
informasi Bank dalam rangka memperluas coverage area information database to expand the coverage area
dan mendukung pengembangan Bank di era Digital dan and support the Bank's development in the Digital and
Electronic Banking. Electronic Banking era.

Sistem Pengendalian Internal

Internal Control System
Bank Muamalat menerapkan mekanisme pengendalian Bank Muamalat has implemented a control mechanism
yang ditetapkan oleh manajemen secara berkesinambungan established by management on an ongoing basis to identify
(on going basis) untuk mengidentifikasi dan mengelola risiko and manage risks to remain within the risk appetite and
agar tetap berada dalam batas toleransi (risk appetite) to provide adequate assurance in order to achieve the
serta untuk memberikan keyakinan yang memadai dalam objectives of the Bank's business activities. The control
rangka pencapaian tujuan kegiatan usaha Bank. Penerapan is guided by Financial Services Authority Circular No. 35/
pengendalian berpedoman pada Surat Edaran Otoritas Jasa SEOJK.03/2017 concerning Standard Guidelines on Internal
Keuangan Nomor No 35/SEOJK.03/2017 tentang Pedoman Control Systems for Commercial Banks.
Standar Sistem Pengendalian Intern bagi Bank Umum.
1. Tujuan penerapan Sistem Pengendalian Internal: 1. The purpose of implementation of the Internal Control
System:
Penerapan sistem pengendalian internal di Bank Internal control system implementation at Bank
Muamalat bertujuan untuk memastikan: Muamalat purposed to ensure the following:
a. Kepatuhan terhadap ketentuan internal dan a. Compliance with internal regulations and laws and
peraturan perundang-undangan regulations
b. Tersedianya informasi keuangan dan manajemen b. Availability of financial information, complete,
yang lengkap, akurat, tepat accurate, precise and timely management
c. guna, dan tepat waktu. c. Effectiveness and efficiency in Bank's business
activities.
d. Efektivitas dan efisiensi dalam kegiatan usaha Bank. d. Effectiveness of risk culture in the Bank organization.
2. Kerangka Sistem Pengendalian Internal 2. Internal Control System Structure
Penerapan Sistem Pengendalian Intern menjadi Implementation of Internal Control System is the
tanggung jawab semua pihak yang terlibat di dalam responsibility of all parties involved in the Bank Muamalat
organisasi Bank Muamalat, antara lain: organization, including:
a. Dewan Komisaris dan komite di bawah koordinasinya. a. The Board of Commissioners and the committees
under its coordination.
b. Direksi b. Directors
c. Manajemen dan Pegawai terkait c. Management and related employees
d. Satuan Kerja Manajemen Risiko (SKMR) dan unit d. Risk Management Work Unit and compliance work
kerja kepatuhan unit
e. Satuan Kerja Audit Intern (SKAI) e. Internal Audit Unit (IAU)
3. Komponen Utama Sistem Pengendalian Internal 3. Key Components of Internal Control System
Penerapan Sistem Pengendalian internal Bank Bank Muamalat applies internal control system
Muamalat terdiri dari 5 (lima) komponen utama yang consisting of 5 (five) main components in line with the
sejalan dengan Internal Control Integrated Framework Internal Control Integrated Framework developed by The
yang dikembangkan oleh The Committee of Sponsoring Committee of Sponsoring Organization of the Treadway
Organization of the Treadway Commission (COSO), Commission (COSO), including:
meliputi:
a. Lingkungan Pengendalian (Control Environment) a. Control Environment
b. Penilaian Risiko (Risk Assessment) b. Risk Assessment
c. Aktivitas Pengendalian (Control Activities) c. Control Activities
d. Sistem Akuntansi, Informasi, dan Komunikasi d. System of Accountancy, Information and
(Accountancy, Information and Communication) Communication
e. Aktivitas Pemantauan (Monitoring Activities) e. Monitoring Activities
Komponen Pengendalian Internal Bank Muamalat yang Bank Muamalat Internal Control Component in line with COSO
sejalan dengan COSO Internal Control Integrated Framework Internal Control Integrated Framework Implementation in
Penerapan di Bank Muamalat Bank Muamalat
1) Lingkungan Pengendalian 1) Environmental Control
Merupakan dasar dari semua komponen pengendalian The basis of overall internal control components
internal mencakup pembentukan dan pemeliharaan includes establishing and maintaining effective internal

sistem pengendalian internal yang efektif serta kegiatan control systems and activities to ensure that the system
untuk memastikan bahwa sistem tersebut berjalan operates safely and reliably following the objectives.
secara aman dan andal sesuai dengan tujuan.
Direksi menciptakan sistem pengendalian internal, The Board of Directors established the Internal Control
antara lain melalui penetapan kebijakan pengendalian System, including the internal control policy and
intern dan prosedur operasional. Dewan Komisaris operational procedures. The Board of Commissioners,
melalui komite di bawah koordinasinya antara lain through committees under their coordination, including
Komite Audit melakukan penilaian terhadap kecukupan the Audit Committee, assessed the adequacy of internal
pengendalian internal. control.
2) Penilaian Risiko 2) Risk Assessment

Merupakan suatu rangkaian tindakan yang dimulai dari Risk assessment is a set of actions starting from
identifikasi, analisis dan pengukuran risiko Bank untuk identifying, analyzing and measuring the Bank's risks to
mencapai sasaran yang ditetapkan. Penilaian risiko achieve the established goals. Risk assessment is carried
dilakukan terhadap seluruh jenis risiko yang melekat out on all types of risks associated with each process/
pada setiap proses/aktivitas yang berpotensi merugikan activity that has the potential to impact the Bank.
Bank. Pelaksanaan identifikasi dan penilaian risiko, antara Implementation of risk identification and assessment,
lain melalui penetapan kebijakan manajemen risiko dan including the establishment of risk management policy
pembentukan SKMR yang bertujuan untuk meyakinkan and SKMR aimed at ensuring that Bank Muamalat
Bank Muamalat melakukan mitigasi risiko dengan mitigates risks properly through identification,
benar melalui identifikasi, pengukuran, pemantauan, measurement, monitoring, control, and reporting of
pengendalian dan pelaporan risiko sesuai kerangka kerja risks according to the risk management framework and
manajemen risiko, serta mampu menghadapi situasi is able to deal with emergencies that threaten business
darurat yang mengancam kelangsungan usaha Bank. continuity of the Bank.
3) Aktivitas Pengendalian 3) Control Activities

Merupakan kegiatan pengendalian yang direncanakan The activities include the planned and implemented
dan diterapkan guna mengendalikan risiko yang control activities to the identified control risk as well
telah diidentifikasi, serta penetapan kebijakan dan as the establishment of control policy and procedures,
prosedur pengendalian termasuk memastikan bahwa including ensuring that the Policy and Procedure
kebijakan dan prosedur tersebut secara konsisten consistently adhered to the Bank Muamalat developed
dipatuhi. Bank Muamalat mengembangkan operational policy and procedures as guidelines for the
kebijakan dan prosedur operasional sebagai pedoman work in each work unit. Operational policy and procedures
pelaksanaan kerja pada masing-masing unit kerja. are reviewed periodically based on the applicable
Kebijakan serta prosedur operasional senantiasa dikaji regulations. The control is monitored and tested by
secara berkala sesuai dengan ketentuan yang berlaku. RMU and IAU as independent work units. IAU reports
Pelaksanaan aktivitas pengendalian oleh unit kerja the audit and testing results of the implementation of
dipantau dan diuji oleh SKMR dan SKAI sebagai unit control activities to the Board of Commissioners, the
kerja independen. SKAI menyampaikan hasil audit dan Audit Committee, and the Board of Directors. Separation
pengujian penerapan aktivitas pengendalian kepada of functions is applied at all organizational levels and
Dewan Komisaris, Komite Audit dan Direksi. Pemisahan operational activities so that every person in their
fungsi diterapkan pada seluruh jenjang organisasi position has no opportunities to commit and hide errors
dan kegiatan operasional agar setiap orang di dalam or irregularities in running duties.
jabatannya tidak memiliki peluang untuk melakukan dan
menyembunyikan kesalahan atau penyimpangan dalam
pelaksanaan tugas.
4) Sistem Akuntansi, Informasi, dan Komunikasi 4) System of Accounting, Information, and Communication
Merupakan sistem akuntansi, informasi dan komunikasi The system includes an accounting, information, and
yang dapat mengidentifikasi masalah yang mungkin communication system that can identify issues that may
timbul dan digunakan sebagai sarana tukar menukar arise and is used as a facility for exchanging information
informasi dalam rangka pelaksanaan tugas sesuai in the context of carrying out duties according to their
dengan tanggung jawab masing-masing Penerapan respective responsibilities. The application of accounting,
sistem akuntansi, informasi dan komunikasi, antara information, and communication systems, including the
lain melalui penetapan kebijakan akuntansi yang establishment of accounting policy supported by the

didukung dengan tersedianya sistem informasi yang availability of information systems that can report the
dapat menghasilkan laporan mengenai kegiatan usaha, business activities, financial condition, implementation
kondisi keuangan, penerapan manajemen risiko, dan of risk management, and fulfillment of provisions that
pemenuhan ketentuan yang mendukung pelaksanaan support the implementation of the duties of the Board
tugas Direksi dan Dewan Komisaris. of Directors and the Board of Commissioners.
5) Aktivitas Pemantauan 5) Monitoring Activities

Merupakan kegiatan pemantauan secara terus Continuous monitoring of the overall effectiveness
menerus terhadap efektivitas keseluruhan pelaksanaan of internal control implementation, reporting the
pengendalian internal, serta proses pelaporan atas weaknesses in internal control, and the corrective
kelemahan dalam pengendalian internal dan langkah- measures taken. IAU periodically monitors the adequacy
langkah perbaikan yang dilakukan. SKAI memantau of the implementation of follow-up audit results by work
secara berkala kecukupan pelaksanaan tindak lanjut units and reports the results of follow-up monitoring to
hasil audit oleh unit kerja dan melaporkan hasil the Board of Directors and Board of Commissioners. The
pemantauan tindak lanjut kepada Direksi dan Dewan Board of Directors monitors and ensures that findings
Komisaris. Direksi memantau serta memastikan temuan and recommendations from IAU, External Auditors,
dan rekomendasi dari SKAI, Auditor Eksternal, hasil supervisory results of the Financial Services Authority
pengawasan Otoritas Jasa Keuangan (OJK) dan hasil (FSA), and supervisory results of other authorities are
pengawasan otoritas lain telah ditindaklanjuti oleh unit followed up by the relevant work units.
kerja terkait.
4. Pelaksanaan Pengendalian Internal 4. Implementation of Internal Control

Berdasarkan kerangka dan komponen pengendalian Based on internal control structure and components,
internal yang disusun, Bank Muamalat melaksanakan Bank Muamalat implements internal control to
pengendalian internal untuk memastikan kecukupan ensure the adequacy of financial control, operational
pengendalian keuangan, efektivitas dan efisiensi effectiveness, efficiency, compliance with applicable laws
operasional, serta kepatuhan terhadap hukum dan and regulations.
peraturan yang berlaku.
a. Pengendalian Keuangan a. Financial Control
Untuk menjamin keberhasilan pelaksanaan rencana To ensure successful implementation of strategic
strategis yang mendukung perkembangan Bank plans that support the development, Bank Muamalat
Muamalat, Bank Muamalat menerapkan hal-hal implements the following:
berikut:
• Direksi telah menyusun dan mendapat • The Board of Directors prepared and received
persetujuan dari Dewan Komisaris atas rencana approval from the Board of Commissioners on
stratejik Bank yang dituangkan ke dalam Rencana the Bank's strategic plan as outlined in the Bank's
Bisnis Bank (RBB). Business Plan (BBP).
• Penetapan strategi telah mempertimbangkan • Strategy setting has considered strategic risks.
risiko stratejik.
• Direksi secara aktif melakukan diskusi/ • The Board of Directors actively discusses/
memberikan masukan serta memantau kondisi provides input and monitores internal conditions
internal dan perkembangan faktor eksternal and the development of external factors that
yang secara langsung maupun tidak langsung directly or indirectly affected business strategy of
memengaruhi strategi bisnis Bank Muamalat. Bank Muamalat.
• Direksi telah melaksanakan proses pengendalian • The Board of Directors has implemented
keuangan guna memantau pencapaian kinerja financial control process to monitor performance
secara berkala. achievement on a regular basis.
• Direksi telah memastikan seluruh kebijakan dan • The Board of Directors has ensured that all
standar akuntansi diperbaharui secara berkala accounting policy and standards are updated
sesuai dengan ketentuan dan peraturan yang regularly following the rules and regulations.
berlaku
b. Pengendalian Operasional b. Operational Control
Untuk mendukung pengendalian risiko operasional, To support operational risk control, Bank Muamalat
Bank Muamalat telah menerapkan hal-hal berikut: has implemented the following:
• Pemisahan fungsi sehingga tidak menimbulkan • Function division to avoid conflict of interests.
conflict of interest.

• Supervisor berfungsi melakukan pengawasan • Supervisor provides supervised implementation

pelaksanaan pengendalian internal di Kantor of internal controls at Branch Offices and Head
Cabang dan Kantor Pusat setiap hari. Office every day.
• Pengawasan oleh unit kerja internal kontrol • Supervision by internal control unit to the Branch
terhadap Kantor Cabang dan Kantor Pusat. Office and Head Office.
• SKAI secara independen terhadap risk taking • IAU independently supervises the risk taking units
unit melakukan pengawasan serta penilaian and assesses the adequacy and effectiveness
kecukupan dan efektivitas proses tata kelola, of governance, risk management and internal
manajemen risiko, dan pengendalian internal. control processes.
• SKMR dan unit kerja kepatuhan yang independen • RMU and compliance unit are independent of the
terhadap risk taking unit. risk taking unit.
• Unit kerja Anti Fraud berperan meningkatkan • Anti Fraud work unit takes in role in improving
efektivitas penerapan strategi anti fraud. the effectiveness of anti fraud strategy
implementation.
c. Kepatuhan terhadap Peraturan Perundang- c. Compliance with Applicable Laws and Regulations
Undangan yang Berlaku
Untuk memastikan kepatuhan Bank Muamalat To ensure Bank Muamalat compliance with
terhadap peraturan perundang-undangan yang applicable laws and regulations, Bank Muamalat
berlaku, Bank Muamalat menerapkan hal-hal berikut: implements the following:
• Direksi telah membentuk unit kerja kepatuhan • The Board of Directors established compliance
yang independen terhadap risk taking unit dan unit that is independent towards risk taking unit
bertanggung jawab untuk memantau kepatuhan and is in charge of monitoring compliance with
terhadap terhadap peraturan perundang- applicable laws and regulations.
undangan yang berlaku
• Unit kerja kepatuhan melakukan pemantauan • The compliance work unit monitors reporting
kepatuhan pelaporan kepada BI/OJK/regulator compliance to BI/FSA/other regulators.
lainnya.
EVALUASI EFEKTIVITAS SISTEM EVALUATION ON THE EFFECTIVENESS OF

PENGENDALIAN INTERNAL INTERNAL CONTROL SYSTEM
Direksi bertanggung jawab memastikan efektifitas The Board of Directors is responsible for ensuring the
penerapan sistem pengendalian internal untuk mencapai effectiveness of internal control system implementation
tujuan Bank Muamalat. Dewan Komisaris melalui komite di to achieve the objectives of Bank Muamalat. The Board
bawah koordinasinya antara lain Komite Audit melakukan of Commissioners, through committees under their
penilaian terhadap kecukupan pengendalian internal. coordination, including the Audit Committee, assesses the
Sepanjang tahun 2022 telah dilakukan kegiatan pemantauan adequacy of internal control. Throughout 2022, the Bank
terhadap efektifitas sistem pengendalian internal, antara monitored activities on the effectiveness of the internal
lain: control system as follows:
1. Direksi melakukan evaluasi dan pemantauan secara terus 1. The Board of Directors evaluated and continuously
menerus efektifitas penerapan sistem pengendalian monitored the effectiveness of internal control system
internal termasuk jika terjadi perubahan kondisi internal implementation, including any changes in internal
dan eksternal yang dapat memengaruhi Bank Muamalat and external conditions that affect Bank Muamalat in
dalam mencapai sasarannya. achieving the established goals.
2. SKAI melakukan evaluasi atas kecukupan dan efektivitas 2. IAU evaluated the adequacy and effectiveness of internal
sistem pengendalian internal secara independen melalui control systems independently by implementing risk-
pelaksanaan kegiatan audit yang berbasis risiko. Hasil based audit activities. The results of the evaluation and
evaluasi dan tindak lanjutnya dilaporkan kepada Dewan follow-up are reported to the Board of Commissioners,
Komisaris, Komite Audit dan Direksi Audit Committee, and Board of Directors.

KAJIAN ULANG (REVIEW) ATAS PELAKSANAAN REVIEW ON INTERNAL CONTROL SYSTEM

SISTEM PENGENDALIAN INTERNAL IMPLEMENTATION
Hasil Review Pelaksanaan Sistem Pengendalian Review Results of Internal Control System
Internal oleh SKAI Implementation by IAU
Pelaksanaan kegiatan audit dalam rangka evaluasi The implementation of audit activities in the context of
kecukupan dan efektivitas sistem pengendalian internal evaluating the adequacy and effectiveness of the internal
selama tahun 2022 difokuskan terhadap beberapa ruang control system during 2022 focused on several scopes,
lingkup di antaranya: 1) Penyaluran pembiayaan di segmen including 1) Distribution of financing in the Islamic Business
Islamic Business & SME, Consumer, Corporate dan Commercial; & SME, Consumer, Corporate, and Commercial segments; 2)
2) Procurement dan Vendor Management; 3) Penerapan Procurement and Vendor Management; 3) Implementation
Program Anti Pencucian Uang dan Pendanaan Terorisme; 4) of Anti-Money Laundering and Terrorism Financing Program;
Pengembangan dan Pengadaan Serta Penggunaan Penyedia 4) Development, Procurement and utilization of Information
Jasa Teknologi Informasi; serta 5) Rencana Pemulihan Technology Service Providers; and 5) Disaster Recovery
Bencana. Berdasarkan hasil audit masih ditemukan beberapa Plan. Based on the audit results, several weaknesses in the
kelemahan pada pelaksanaan pengendalian internal yang implementation of internal control need to be improved.
perlu dilakukan perbaikan. Menindaklanjuti hal tersebut Following up on this issue, the management has committed
manajemen telah berkomitmen untuk menindaklanjuti to following up on the improvement according to the agreed
perbaikannya sesuai batas waktu yang telah disepakati. deadline.
Pernyataan Direksi dan/atau Dewan Komisaris Statement by the Board of Directors and/or Board
atas Kecukupan Sistem Pengendalian Internal of Commissioners on the Adequacy of Internal
Control System
Sistem pengendalian internal pada Bank Muamalat dibangun The internal control system at Bank Muamalat was
dengan mengacu pada standar pengendalian internal yang developed with reference to generally accepted internal
berlaku umum dan sesuai dengan best practices di industri. control standards and in line with industry best practices.
Sistem tersebut dibentuk untuk mengendalikan dan The system is formed to control and prevent risks in the
mencegah terjadinya risiko dalam usaha yang dijalankan business run by the Company.
oleh Perseroan.
Terkait sistem pengendalian internal yang diterapkan oleh Regarding the internal control system implemented by
Perseroan, Dewan Komisaris dan Direksi memandang the Company, the Board of Commissioners and the Board
bahwa implementasi sistem pengendalian internal yang of Directors consider that the implementation carried out
dilakukan sepanjang tahun 2022 sudah cukup baik. Namun throughout 2022 was fairly good. However, the Bank still
demikian, hasil evaluasi terhadap sistem pengendalian uses the evaluation result of the internal control system as a
internal tetap dijadikan dasar bagi Manajemen untuk basis for Management to improve and develop the internal
memperbaiki dan mengembangkan sistem pengendalian control system. Thus, the implementation can run effectively
internal agar pelaksanaannya dapat berjalan efektif dan and efficiently and is expected to encourage business growth
efisien, serta diharapkan dapat mendorong pertumbuhan and sustainability of the Company.
dan keberlangsungan usaha Perseroan.

Audit Eksternal
External Audit
Bank Muamalat menunjuk audit eksternal sebagai bagian Bank Muamalat appointed an external audit as part of
dari penerapan independensi pengawasan dan audit independent supervision and audit of the Company's Financial
terhadap pelaporan Laporan Keuangan perusahaan dan Statement reporting. As part of GCG implementation, the
sebagai bagian dari implementasi GCG, Bank menunjuk Bank appointed Public Accounting Firm. Public Accounting
Kantor Akuntan Publik. Kantor Akuntan Publik sebagai Firm as an external auditor function to ensure that the
auditor eksternal berfungsi untuk memastikan pencatatan Bank's accounting records have been prepared following
akuntansi Bank telah disusun sesuai dengan ketentuan the provisions of the Statement of Accounting and Financial
Pernyataan Standar Akuntansi dan Keuangan (PSAK) dengan Standards (SAFS) with a fair opinion.
opini yang wajar.
Pada tahun 2022, Laporan Keuangan Konsolidasian Bank In 2022, the Consolidated Financial Statements of Bank
Muamalat Indonesia telah diaudit oleh Kantor Akuntan Muamalat Indonesia for the 2021 fiscal year were audited
Publik (KAP) Doli, Bambang, Sulistiyanto, Dadang dan Ali by Public Accounting Firm (PAF) 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 Rp1.250.000.000,- (satu miliar with the Financial Services Authority, with an audit fee of
dua ratus lima puluh juta rupiah) belum termasuk Pajak Rp1,250,000,000.- (one billion two hundred fifty million
Pertambahan Nilai (PPN) 11% (sebelas persen). Penunjukan rupiah) excluding Value Added Tax (VAT) 11% (eleven percent).
KAP tersebut dilakukan oleh Dewan Komisaris. The PAF is appointed by the Board of Commissioners.
Akuntan Publik dan KAP dimaksud telah menyelesaikan The referred Public Accountant and PAF had completed their
tugas secara independen sesuai dengan pedoman standar duties independently according to the guidelines of public
profesi akuntan publik serta sesuai dengan persyaratan accountant professional standards and in accordance with
kerja dan ruang lingkup audit yang telah ditentukan. the stipulated work requirements and audit.
AKUNTAN PUBLIK BANK MUAMALAT BANK MUAMALAT INDONESIA PUBLIC

INDONESIA TAHUN BUKU 2022 ACCOUNTANT FOR 2022 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-2
Year of Assignment 2nd
Berikut adalah KAP yang telah mengaudit Laporan Keuangan The following are PAF that audited Bank Muamalat's
Bank Muamalat dalam 5 (lima) tahun terakhir: Financial Statements in the latest 5 (five) 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
2022 Doli Diapary Siregar, CPA Doli, Bambang, Sulistiyanto, Dadang dan Ali (dbsd&a) BKR Internasional 1.250.000.000
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

JASA LAIN YANG DIBERIKAN OTHER SERVICES PROVIDED

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

Risk Management System
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
Pembentukan Satuan Kerja Kepatuhan Bank Muamalat The establishment of the Compliance Unit of Bank Muamalat
telah merujuk pada peraturan terkait fungsi kepatuhan yang has referred to the latest regulations related to the compliance
terkini yaitu Peraturan Peraturan Otoritas Jasa Keuangan No. function, namely Regulations the Financial Services Authority
46/POJK.03/2017 tanggal 12 Juli 2017 tentang Pelaksanaan Regulation No. 46/POJK.03/2017 dated 12 July 2017 on the
Fungsi Kepatuhan Bank Umum. Fungsi kepatuhan ialah Implementation of Commercial Bank Compliance Functions.
serangkaian tindakan atau langkah-langkah yang bersifat The compliance function is a series of preventive actions or
preventif untuk memastikan bahwa kebijakan, ketentuan, measures to ensure that the policies, provisions, systems,
sistem dan prosedur serta kegiatan usaha yang dilakukan and procedures, as well as business activities carried out
oleh Bank telah sesuai dengan ketentuan Otoritas Jasa by the Bank, are in line with the provisions of the Financial
Keuangan dan ketentuan peraturan perundang-undangan Services Authority and the provisions of other laws and
lainnya, termasuk prinsip syariah. regulations, including sharia principles.
Berdasarkan tujuannya tersebut, Satuan Kerja Kepatuhan Based on these objectives, the Compliance Unit and the
bersama Direktur yang membawahkan fungsi kepatuhan, Director in charge of the compliance function are required
wajib selalu berkoordinasi dengan Dewan Pengawas Syariah to always coordinate with the Sharia Supervisory Board in
dalam pelaksanaan fungsi kepatuhan terhadap prinsip implementing the compliance function with sharia principles.
syariah.
Direktur Kepatuhan Bank Muamalat Indonesia telah The Compliance Director of Bank Muamalat Indonesia
memenuhi persyaratan sesuai dengan peraturan has met the requirements based on applicable laws and
perundangan yang berlaku dan telah efektif lulus Penilaian regulations and effectively passed the Fit and Proper
Kemampuan dan Kepatutan dari OJK tanggal 24 Juni 2022. Test from the FSA dated 24 June 2022. The followings are
Berikut adalah tugas dan tanggung jawab Direktur yang the duties and responsibilities of the Director in charge of
membawahkan Fungsi Kepatuhan sesuai dengan Peraturan the Compliance Function following the Financial Services
Otoritas Jasa Keuangan No. 46/POJK.03/2017: Authority Regulation No. 46/POJK.03/2017:
1. Menyusun strategi untuk mendorong terciptanya 1. Developing a strategy to encourage the creation of the
Budaya Kepatuhan Bank. Bank Compliance Culture.
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 2. Proposing compliance policies or principles to be
kepatuhan yang akan ditetapkan oleh Direksi. approved by the Board of Directors.
3. Menetapkan sistem dan prosedur kepatuhan yang 3. Establishing compliance systems and procedures that
digunakan untuk menyusun ketentuan dan pedoman are used to formulate internal provisions and guidelines
internal Bank. of the Bank.
4. Memastikan seluruh kebijakan, ketentuan, sistem, dan 4. Ensuring that all policies, regulations, systems,
prosedur, serta kegiatan usaha yang dilakukan Bank procedures, and business activities conducted by the

telah sesuai dengan ketentuan Otoritas Jasa Keuangan Bank comply with the provisions of the Financial Services
dan ketentuan peraturan perundang-undangan, Authority and laws and regulations, including sharia
termasuk prinsip syariah bagi bank umum syariah dan principles for sharia commercial banks and sharia
unit usaha syariah. business units.
5. Meminimalisasi dan menekan risiko kepatuhan Bank. 5. Minimizing and depressing the Bank’s compliance risk.
6. Melakukan tindakan pencegahan agar kebijakan 6. Taking preventive measures to ensure that policies and/
dan/atau keputusan yang diambil Direksi Bank atau or decisions taken by the Bank’s Directors or the head of
pimpinan kantor cabang dari Bank yang berkedudukan the branch office domiciled overseas do not deviate from
di luar negeri tidak menyimpang dari ketentuan the provisions of the Financial Services Authority and the
Otoritas Jasa Keuangan dan ketentuan peraturan provisions of laws and regulations.
perundangundangan.
7. Melakukan tugas lain yang terkait dengan fungsi 7. Performing other duties related to the compliance
kepatuhan. function.
Dalam melaksanakan tugasnya, Direktur Kepatuhan dibantu In running duties, the Compliance Director is assisted by
oleh Satuan Kerja Kepatuhan Bank Muamalat Indonesia yang the Compliance Unit of Bank Muamalat Indonesia, which
dibentuk secara tersendiri dan bebas dari pengaruh satuan is established separately and free from other work units'
kerja lainnya. Satuan Kerja tersebut memiliki akses langsung influence. The Compliance Unit has direct access to the
kepada Direktur yang membawahkan fungsi kepatuhan. Director in charge of the compliance function.
Kepala Satuan Kerja Kepatuhan Bank Muamalat telah The Head of the Compliance Unit has met the criteria set by
memenuhi kriteria yang ditetapkan oleh regulasi, antara the regulations, including the independence requirements,
lain persyaratan independensi, menguasai ketentuan mastering the provisions of the Financial Services Authority
Otoritas Jasa Keuangan (OJK)/Bank Indonesia dan peraturan (FSA)/ Bank Indonesia and the prevailing laws and
perundang-undangan yang berlaku dan tidak melaksanakan regulations, as well as not carrying out other duties outside
tugas lainnya di luar fungsi kepatuhan. the compliance function.
PROFIL KEPALA SATUAN KERJA KEPATUHAN PROFILE OF THE HEAD OF THE COMPLIANCE
UNIT
Dyah Ekowati
Kepala Satuan Kerja Kepatuhan
Head of the Compliance Unit

Citizen
Domicile
Age
Dasar Hukum Surat Keputusan Direksi PT Bank Muamalat Indonesia Decree of the Board of Directors of PT Bank Muamalat
Pengangkatan Tbk No. 080/DIR/KPTS/VIII/2009 tanggal 25 Agustus Indonesia Tbk No. 080/DIR/KPTS/VIII/2009 dated
Legal Basis for Appointment 2009 tentang Mutasi dan Penyempurnaan Penetapan August 25, 2009 on the Transfer and Improvement of
Pejabat Compliance Division Head the Appointment of Compliance Division Head Officer

Riwayat Pendidikan • Sarjana Pertanian Institut Pertanian Bogor (1996) • Bachelor in Agriculture Science, Institut Pertanian
Education Background Bogor (1996)
• Muamalat Officer Development Program (1997) • Muamalat Officer Development Program (1997)
• Sertifikasi Manajemen Risiko Level 4, Lembaga • Certification of Risk Management Level 4, Banking
Sertifikasi Profesi Perbankan Professional Certification Institute
• Sertifikasi Manajemen Kepatuhan Level 2, Lembaga • Certification of Compliance Management Level 2,
Sertifikasi Profesi Perbankan Banking Professional Certification Institute
Rangkap Jabatan - -
Dual Position
Pengalaman Kerja • Kepala Satuan Kerja Kepatuhan (2009-sekarang) • Head of Compliance Unit (2009-present)
Work Experience • Compliance & Risk Management Group Head (2009) • Compliance & Risk Management Group Head (2009)
• Kebijakan dan Produk Pembiayaan Divisi • Financing Policy and Products of the Financing
Pembiayaan (2003-2009) Division (2003-2009)
• Account Manager Cabang Bumi Serpong Damai • Account Manager at Bumi Serpong Damai Branch
(1997-2002) (1997-2002)

Berikut adalah tugas dan tanggung jawab Satuan Kerja The following are the duties and responsibilities of the
Kepatuhan, yang mencakup: Compliance Unit:
1. Membantu menetapkan langkah-langkah yang 1. Assisting in determining the necessary measures to
diperlukan untuk memastikan kepatuhan Bank dalam ensure the Bank's compliance in fulfilling the overall
memenuhi seluruh peraturan internal dan eksternal internal and external regulations as well as other
serta peraturan perundang-undangan lain yang berlaku applicable laws and regulations in the context of the
dalam rangka prinsip kehati-hatian. prudence principle.
2. Membantu memantau dan menjaga kegiatan usaha 2. Providing 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. Formulating steps in order to support the creation of
terciptanya Budaya Kepatuhan pada seluruh kegiatan Compliance Culture in the entire Bank business activities
usaha Bank pada setiap jenjang organisasi, at every organizational level
4. Mengidentifikasi, mengukur, memantau, dan 4. Identifying, measuring, monitoring, and controlling
mengendalikan Risiko Kepatuhan dengan mengacu pada Compliance Risk by referring to the Financial Services
ketentuan Otoritas Jasa Keuangan mengenai Penerapan Authority regulations 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 monitoring and evaluating the development
terhadap perkembangan risiko-risiko kepatuhan dan of compliance risks and internal control for the Bank’s
pengendalian internal untuk kepentingan Bank sesuai interests based on business development.
dengan perkembangan bisnis.
6. Menilai dan mengevaluasi atas efektivitas, kecukupan, 6. Assessing and evaluating the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem maupun and conformity of the Bank’s policies, regulations,
prosedur yang dimiliki oleh Bank dengan peraturan systems, and procedures with the laws and regulations.
perundang-undangan.
7. Mengkaji ulang dan/atau merekomendasikan 7. Reviewing and/or recommending updates and
pemutakhiran dan penyempurnaan kebijakan, refinement of policies, regulations, systems, and
ketentuan, sistem maupun prosedur yang dimiliki procedures currently applied by the Bank to comply with
oleh Bank agar sesuai dengan ketentuan Otoritas the provisions of the Financial Services Authority and
Jasa Keuangan dan peraturan perundang-undangan, laws and regulations, including sharia principles.
termasuk prinsip syariah.

8. Mengupayakan untuk memastikan bahwa kebijakan, 8. Striving 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 line with the rules of the Financial Services
Keuangan dan peraturan perundang-undangan. Authority as well as the laws and regulations.
9. Memastikan Bank telah patuh terhadap komitmen yang 9. Ensuring the Bank has complied with the commitments to
dibuat oleh Bank kepada Otoritas Jasa Keuangan dan/ the Financial Services Authority and/or other competent
atau otoritas pengawas lain yang berwenang. supervisory authorities.
10. Melakukan sosialisasi hal-hal yang terkait dengan Fungsi 10. Disseminating 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. Carrying out a consultative role as a strategic business
partner guna pencegahan dalam rangka mitigasi risiko partner for prevention to mitigate compliance risk
kepatuhan dan memberikan rekomendasi untuk and providing recommendations for improving and
perbaikan serta peningkatan efektivitas kepatuhan, enhancing compliance effectiveness, internal control,
pengendalian internal dan GCG. and GCG.
12. Menjalankan tugas-tugas lainnya yang terkait dengan 12. Carrying out other duties related to the compliance
fungsi kepatuhan. function.
STRUKTUR ORGANISASI UNIT KERJA ORGANIZATIONAL STRUCTURE OF THE

KEPATUHAN COMPLIANCE FUNCTION
Per 31 Desember 2022, organisasi Satuan Kerja Kepatuhan As of 31 December 2022, Bank Muamalat Indonesia’s
Bank Muamalat Indonesia terdiri 15 (lima belas) karyawan. Compliance Unit consists of 15 (fifteen) employees. The
Adapun struktur organisasinya digambarkan dalam bagan organizational structure is described in the following chart
berikut ini.
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 memiliki kompetensi The Compliance Unit Personnel of BMI have competence
yang memadai dan sesuai dengan tugas dan tanggung in line with their duties and responsibilities, especially
jawabnya, terutama kompetensi pada bidang Kepatuhan competence in Compliance and Risk Management.
dan Manajemen Risiko.
PENGELOLAAN DAN MITIGASI RISIKO COMPLIANCE RISK MANAGEMENT AND

KEPATUHAN MITIGATION
Perseroan sebagai entitas yang bergerak pada industri As an entity engaged in the banking industry, the Company
perbankan sarat dengan pemenuhan peraturan perundang- is loaded with the fulfillment of laws and regulations.
undangan, sehingga risiko kepatuhan menjadi salah satu Therefore, compliance risk is one of the important risks that
risiko penting yang harus diantisipasi oleh Bank. Risiko must be anticipated by the Bank. Compliance risk arises if
kepatuhan muncul apabila Bank tidak mematuhi atau tidak the Bank does not comply with or implement the regulations
melaksanakan peraturan Otoritas Jasa Keuangan dan/atau of the Financial Services Authority and/or Bank Indonesia, as
Bank Indonesia, maupun peraturan perundang-undangan well as other applicable laws and regulations.
lainnya yang berlaku.
Memperhatikan kondisi tersebut, Bank Muamalat Referring to these conditions, the Bank Muamalat always
senantiasa berupaya untuk memaksimalkan upaya untuk maximizes efforts to be able to implement the applicable
dapat melaksanakan ketentuan dan peraturan yang berlaku provisions and regulations properly and continuously takes
dengan baik dan secara terus menerus melakukan langkah- steps to improve the quality of risk management, internal
langkah perbaikan dalam kualitas manajemen risiko, sistem control system, and implementation of good governance,
pengendalian internal dan pelaksanaan tata kelola yang baik as well as taking into account the prudential principles and
serta memperhatikan prinsip kehati-hatian maupun prinsip sharia principles in carrying out operational activities of the
syariah dalam menjalankan kegiatan operasional bank. Bank.
Bank Muamalat menyelenggarakan rapat Risk Management Bank Muamalat periodically holds Risk Management
Committee (RMC) secara berkala berkala untuk membahas Committee (RMC) meetings to discuss compliance risk
pengelolaan risiko kepatuhan dan pembahasannya disajikan management, which is discussed and presented in the
dalam Laporan Profil Risiko Bank yang disampaikan kepada Bank’s Risk Profile Report submitted to the Financial Services
Otoritas Jasa Keuangan secara triwulanan maupun Laporan Authority quarterly as well as in the Bank Soundness Level
Tingkat Kesehatan Bank secara semesteran. Report on a semesterly basis.
Sebagai upaya pengelolaan risiko kepatuhan, sepanjang As the effort to manage compliance risk, the Bank mitigated
tahun 2022, Bank telah melakukan mitigasi risiko kepatuhan the following compliance risk during 2022:
di antaranya:
1. Melaksanakan kampanye budaya kepatuhan melalui 1. Carried out compliance culture campaigns by sharing
sharing informasi regulasi dan fatwa, memberikan information on regulations and fatwas, provided
opini terhadap penerapan regulasi dan aspek syariah, opinions on implementing regulations and sharia
melakukan reminder kepada unit kerja terkait mengenai aspects, reminded the related work units regarding
pemenuhan regulasi serta melakukan pelatihan dan regulatory compliance, and held training and knowledge
sharing knowledge. sharing.
2. Memberikan opini/saran dari sisi kepatuhan umum dan 2. Provided opinions/suggestions regarding 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.
3. Memonitor aspek kehati-hatian Bank dengan 3. Monitored the prudential aspects of the Bank by
menerbitkan dashboard prudential banking agar sesuai issuing a prudential banking dashboard to comply with
dengan regulasi yang berlaku yaitu terkait Kewajiban applicable regulations, namely the Minimum Capital
Penyediaan Modal Minimum (KPMM), Batas Maksimum Adequacy Requirement (CAR), Legal Lending Limit (LLL),
Penyaluran Dana (BMPD), Posisi Devisa Neto (PDN), Net Open Position (NOP), Asset Quality, Allowance for
Kualitas Aset (KA), Penyisihan Penghapusan Aset Asset 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 (ULN).
dan Utabg Luar Negeri (ULN).

4. Menilai dan mengevaluasi efektivitas, kecukupan, 4. Assessed and evaluated 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. Developed the Compliance Checklist, which purpose is
kesiapan operasional pembukaan, pemindahan alamat to ensure operational readiness for opening, changing
dan perubahan status kantor dan perizinan produk addresses, and changing office status prior to submitting
sebelum disampaikan kepada Otoritas Jasa Keuangan the submission to the Financial Services Authority (FSA)
(OJK)
6. Melakukan reminder terhadap kewajiban pelaporan 6. Reminded the reporting obligations to the Financial
kepada Orotitas Jasa Keuangan/Bank Indonesia dan Services Authority/Bank Indonesia and other supervisory
Otoritas Pengawas lainnya. authorities.
7. Melakukan training dan sharing knowledge dengan materi 7. Held training and knowledge sharing with materials on
kepatuhan umum, APU PPT dan syariah. general compliance, AML & CFT, and sharia.
8. Menyampaikan e-mail blast dengan materi regulasi baru, 8. Sent e-mail blasts with materials on new regulations,
fatwa, APU PPT dan Tata Kelola Perusahaan. fatwas, AML & CFT, and Corporate Governance.
9. Pelaksanaan Sertifikasi Basic Sharia secara internal 9. Implemented Internal Basic Sharia certification to
guna meningkatkan kompetensi karyawan terkait aspek improve employee competence in relation to the sharia
syariah. aspects.
10. Pelaksanaan Sertifikasi APU-PPT secara internal untuk 10. Implemented AML & CFT Certification internally to
meningkatkan kompetensi karyawan di bidang APU-PPT improve employee competence in AML & CFT.
11. Mengembangkan materi training kepatuhan 11. Developed compliance training materials to improve the
untuk meningkatkan kualitas karyawan Bank agar quality of the Bank’s employees to improve compliance
meningkatkan budaya kepatuhan serta memitigasi risiko culture as well as mitigate compliance risk and mitigating
12. Menyampaikan data debitur group kepada Unit Kerja risks
terkait secara rutin bulanan sebagai acuan dalam 12. Submitted the group debtor data to the related Work
pemberian pembiayaan kepada Nasabah Group agar Units monthly as a reference in providing financing to
tidak melanggar BMPD. Group Customers so as not to violate the LLL
13. Menyampaikan Laporan Pengawasan DPS kepada 13. Submitted SSB Supervision Report to the Bank
Manajemen Bank dan OJK. Management and FSA.
14. Menyampaikan laporan terkait kepatuhan dan GCG 14. Submitted reports related to compliance and GCG to the
kepada Otoritas Jasa Keuangan. Financial Services Authority.

Anti Pencucian Uang dan Pencegahan

Pendanaan Terorisme (APU & PPT)
Anti Money Laundering and Counter Financing of Terrorism (AML & CFT)
Bank Muamalat senatiasa memantuhi peraturan perundang- Bank Muamalat always complies with the laws and
undangan dan berbagai peraturan lainnya terkait Prinsip regulations and other regulations related to the Principles of
Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme AntiMoney Laundering and Counter Financing of Terrorism
(APU & PPT). Bank Muamalat telah membentuk Unit Kerja (AML & CFT). As a form of compliance, Bank Muamalat
Khusus atau menunjuk Pejabat Bank yang bertanggung established a Special Work Unit or appointed Bank Officers
jawab atas penerapan program APU dan PPT. Dalam hal ini, to implement the AML & CFT programs. In this case, the
penanggung jawab APU & PTT di Bank ialah Unit Kerja APU- person in charge of AML & CFT at the Bank is the AML & CFT
PPT yang berada di bawah Kepala Satuan Kerja Kepatuhan/ Work Unit, under the Head of the Compliance Unit.
Compliance.
Implementasi APU & PTT pada Bank Muamalat mendapat Bank Muamalat applies AML & CFT through special attention
perhatian khusus dan peran aktif dari Direksi dan Dewan and an active role from the Board of Directors and Board
Komisaris. Peranan Direksi dan Dewan Komisaris bertujuan of Commissioners. The main role of the Board of Directors
untuk memotivasi karyawan dan unit kerja dalam and the Board of Commissioners is to motivate employees
mendorong terbentuknya budaya kepatuhan di seluruh and work units to encourage a culture of compliance at all
jajaran organisasi. organizational levels.
Bank Muamalat telah memiliki beragam program yang Bank Muamalat already has various programs in line with
sejalan dengan peraturan perundangan yang berlaku. applicable laws and regulations. Bank Muamalat applies for
Penerapan Program APU & PPT Bank Muamalat dilakukan the AML & CFT Program effectively and efficiently, referring
secara efektif dan efisien mengacu pada Kebijakan to the AML & CFT Implementation Policy, which includes at
Penerapan APU & PPT yang paling kurang mencakup 5 (lima) least 5 (five) pillars of the implementation of the AML & CFT
pilar penerapan Program APU & PPT, yaitu: Program, namely:
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision by the Board of Commissioners and
Directors
2. Kebijakan dan Prosedur 2. Policies and Procedures
3. Pengendalian Intern 3. Internal Control
4. Sistem Informasi Manajemen 4. Management Information System
5. Sumber Daya Manusia dan Pelatihan 5. Human Resources and Training
Bank Muamalat Indonesia juga melakukan Customer Due Bank Muamalat Indonesia also implements Customer
Diligence (CDD) yang sebelumnya dikenal dengan Prinsip Due Diligence (CDD), previously known as the Know Your
Mengenal Nasabah (Know Your Customer). CDD ialah kegiatan Customer Principle. CDD is identification, verification, and
identifikasi, verifikasi, dan pemantauan yang dilakukan Bank monitoring by the Bank to ensure that the transaction is
untuk memastikan bahwa transaksi tersebut sesuai dengan based on a profile of the prospective customer, walk-in
profil calon nasabah, walk in customer, atau pun nasabah. customer, or bank customer. Therefore, it is expected to
Dengan begitu, diharapkan mampu mencegah dijadikannya be able to prevent the establishment of Bank Muamalat
Bank Muamalat Indonesia sebagai sarana transaksi uang Indonesia's facility of criminal money transactions and
kejahatan dan pendukung kegiatan pemberantas serta to support eradication as well as prevention of money
pencegahan terjadinya tindakan pencucian uang dan laundering and terrorism financing.
pendanaan terorisme.

Sepanjang 2022, Bank telah melakukan kegiatan terkait During 2022, the Bank carried out activities related to the
penerapan program APU & PTT antara lain sebagai berikut: implementation of the AML & CFT program, including the
following:
a. Sharing informasi atau reminder terkait dengan a. Shared information or reminders related to the AML &
penerapan Program APU & PPT kepada seluruh unit CFT Program implementation to all related work units.
kerja terkait.
b. Aktivitas penyusunan dan penyampaian laporan b. Reported preparation and submission activities (LTKM,
(LTKM, LTKT, LTKL, SIPESAT) serta melakukan kegiatan LTKT, LTKL, SIPESAT), as well as updated and monitored
pengkinian dan pemantauan data nasabah. customer data.
c. Melakukan Pemeliharaan Daftar Terduga Teroris dan c. Maintained 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. Monitored 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, an indication of Suspicious Financial
TKM), dan orang/badan usaha yang ditetapkan sebagai Transactions (SFT alert), and persons/business entities
Tersangka atau terdakwa kasus korupsi/pencucian uang. designated as suspects or defendants in corruption/
money laundering cases.
e. Review Kebijakan, Pedoman, Prosedur Pelaksanaan, e. Reviewed the 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. Fulfilled requests for data/information/documents from
dari pihak eksternal terutama Aparat Penegak Hukum external parties, especially Law Enforcement Officials or
(Apgakum) atau Lembaga Pengawas dan Pengatur (LPP). the Supervisory and Regulatory Agency.
g. Pemenuhan permintaan data/informasi/dokumen dari g. Fulfilled requests for data/information/ documents from
(PPATK) dalam rangka FIR. (PPATK) in the context of FIR.
h. Melakukan review dan/atau memberikan opini APU & PPT h. Reviewed and/or provided AML & CFT opinions related to
terkait dengan produk, operasional maupun aktivitas the Bank's products, operations, and activities.
Bank.
i. Menyampaikan proses kegiatan pengikinian data i. Delivered the process of updating customer data with
nasabah dengan skala prioritas antara lain untuk a priority scale, including for customers in the high-
nasabah dengan kategori high risk, aktif bermutasi dan risk category, active in the transaction, and with a large
bersaldo cukup besar. balance.
j. Pengisian KYC/AML Questionnaire yang merupakan j. Filled in the KYC/AML Questionnaire, which is part of
bagian dari kegiatan koresponden banking guna correspondent banking activities, to ensure that AML/
memastikan penerapan AML/KYC dilaksanakan sesuai KYC implementation is carried out in accordance with
dengan ketentuan. regulations.
k. Penyampaian Informasi kepada Komisi Pemberantasan k. Submitted 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. Monitored CIF to ensure the Bank maintained an
Bank memelihara profil Nasabah secara terpadu (Single integrated Customer profile (Single CIF) to reduce
CIF) untuk mengurangi data-data CIF yang duplicate. duplicate 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. Attended training/workshops related to AML & CFT from
PPATK, OJK dan FKDKP PPATK, FSA, and FKDKP
o. Menyelenggarakan program sertifikasi APU & PPT o. Organized the AML & CFT certification program, which
yang dilaksanakan secara internal bekerja sama is carried out internally in collaboration with Learning &
dengan Learning & Talent Management dalam rangka Talent Management to increase the understanding of all
meningkatkan pemahaman seluruh karyawan terhadap employees on implementing Anti Money Laundering and
penerapan Anti Pencucian Uang dan Pencegahan Counter Financing of Terrorism (AML & CFT).
Pendanaan Terorisme (APU & PPT).
p. Implementasi Project GoAML. p. Implementation of the GoAML Project.

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 civil and criminal
menghadapi permasalahan hukum, baik di bidang perdata legal cases. As of the end of 2022, Bank Muamalat Indonesia
maupun pidana. Hingga akhir 2022, berikut permasalahan faced the following legal issues:
hukum Bank Muamalat Indonesia sebagaimana digambarkan
dalam tabel berikut:
Jumlah
Total
Jenis Sanksi Type of Sanction
Perdata Pidana
Civil Crime
Telah selesai (telah mempunyai kekuatan hukum 44 2 Has been completed (has permanent legal force)
yang tetap)
Dalam proses penyelesaian 94 22 In the process of being completed

Sanksi Administratif
Administrative Sanction
Hingga berakhirnya tahun buku 2022, baik Bank Muamalat As of the end of the 2022 fiscal year, Bank Muamalat
Indonesia, anggota Dewan Komisaris, dan Direksi tidak Indonesia, members of the Board of Commissioners, and
mendapatkan sanksi administratif dari Otoritas Perbankan. Board of Directors never received administrative sanctions
from the Banking Authority.
Akses Informasi dan Data Perusahaan

Access to Company Data and Information
Bank Muamalat berkomitmen untuk mewujudkan prinsip- Bank Muamalat is committed to actualizing GCG principles,
prinsip tata kelola yang baik, termasuk transparansi, including transparency, which is manifested by providing
yang salah satunya diwujudkan melalui penyediaan akses access to information for the stakeholders. Bank Muamalat
informasi bagi para pemegang saham dan pemangku strives to provide actual and useful information by
kepentingan. Bank Muamalat berkomitmen untuk senantiasa considering the provisions regarding company data that
memberikan informasi yang aktual dan bermanfaat dengan cannot be published/confidential.
memperhatikan ketentuan terkait data perusahaan yang
tidak dapat dipublikasikan/rahasia.
Transparansi informasi secara internal dan eksternal The manifestation of internal and external transparency
diharapkan dapat membantu, menjaga dan meningkatkan principles in the information is expected to assist,
pengetahuan, pemahaman, dan persepsi positif dari para maintain and increase the stakeholders’ knowledge,
pemangku kepentingan terhadap kebijakan dan kegiatan understanding, and positive perception toward the Bank’s
Bank. Untuk menyediakan informasi terkini bagi seluruh policies and activities. To provide the latest information
pemangku kepentingan, Bank Muamalat Indonesia for all stakeholders, Bank Muamalat Indonesia provides an
menyediakan sarana portal informasi melalui situs website information portal facility through the Bank’s website at
Bank pada alamat www.bankmuamalat.co.id dan media www.bankmuamalat.co.id and official social media by Bank
social resmi milik Bank Muamalat. Bank juga menyediakan Muamalat. The Bank also provides further information for
informasi lebih lanjut bagi Pemegang Saham dan pemangku the shareholders and stakeholders, which can be accessed
kepentingan yang dapat diakses melalui: through the following:
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 information
sangat dibutuhkan untuk mendukung penyampaian delivery to the public, both internally and externally in
informasi kepada publik baik internal maupun eksternal 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
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
pers melalui berita dan informasi terkini yang tersedia di through the latest news and information available on the
situs Bank sebagai upaya penyebarluasan informasi dari Bank’s website as the effort to disseminate information
setiap aksi korporasi dan kegiatan penting Bank lainnya. on every corporate action and other important Bank
activities.
c. Salamuamalat c. Salamuamalat
Bank Muamalat memiliki layanan phone banking Bank Muamalat has 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, the customers may 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 on the Bank, the public
masyarakat dapat menghubungi Sekretaris Perusahaan can contact the Corporate Secretary at the address Jl.
dengan alamat Jl. Prof. Dr. Satrio, Kav. 18 Kuningan Prof. Dr. Satrio, Kav. 18 Kuningan Timur, Setiabudi South
Timur, Setiabudi Jakarta Selatan 12940 di nomor telepon Jakarta 12940 at telephone number 021-80666000 ext.
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 apart
bankmuamalat.co.id di samping sarana-sarana yang from 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 information disclosure. The following
adalah keterbukaan informasi yang dirilis Bank is information disclosure released by the Bank during
sepanjang tahun 2022 . 2022.

Keterangan Tanggal Media

Description Date Media
Pemberitahuan Perubahan Anggota Komite Audit 20 Desember 2022 Website Perseroan dalam Bahasa Indonesia dan Bahasa
PT Bank Muamalat Indonesia Tbk December 20, 2022 Inggris
Notification of Changes in Audit Committee Member of Company website in Indonesian and English
Ringkasan Risalah RUPS Luar Biasa 29 November 2022 01 Desember 2022 Surat kabar harian berbahasa Indonesia berperedaran
Summary of Minutes of Extraordinary GMS on December 01, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
November 29, 2022 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
Perubahan Dewan Komisaris, Direksi PT Bank 29 November 2022 Website Perseroan dalam Bahasa Indonesia dan Bahasa
Muamalat Indonesia Tbk November 29, 2022 Inggris
Changes in the composition of PT Bank Muamalat Company website in Indonesian and English
Indonesia Tbk’s Board of Commissioners and Board of
Directors
Pemberitahuan Perubahan Anggota Komite Audit 28 November 2022 Website Perseroan dalam Bahasa Indonesia dan Bahasa
PT Bank Muamalat Indonesia Tbk November 28, 2022 Inggris
Notification of Changes in Audit Committee Members Company website in Indonesian and English
Pemanggilan Ulang RUPS Luar Biasa tanggal 29 07 November 2022 Surat kabar harian berbahasa Indonesia berperedaran
November 2022 November 7, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Reinvitation of Extraordinary GMS on November 29, website Perseroan dalam Bahasa Indonesia dan Bahasa
2022 Inggris
Keterbukaan Informasi Tentang Pengunduran Diri 01 November 2022 Surat kabar harian berbahasa Indonesia berperedaran
Anggota Direksi PT Bank Muamalat Indonesia Tbk November 1, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Information disclosure on the Resignation of Members website Perseroan dalam Bahasa Indonesia dan Bahasa
of the Board of Directors of PT Bank Muamalat Inggris
Indonesia Tbk Indonesian language daily newspapers with national
Pengumuman Penundaan RUPS Luar Biasa tanggal 21 20 Oktober 2022 Surat kabar harian berbahasa Indonesia berperedaran
Oktober 2022 October 20, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Announcement of Postponement of Extraordinary GMS website Perseroan dalam Bahasa Indonesia dan Bahasa
on October 21, 2022 Inggris
Pemanggilan RUPS Luar Biasa tanggal 21 Oktober 2022 29 September 2022 Surat kabar harian berbahasa Indonesia berperedaran
Invitation of Extraordinary GMS on October 21, 2022 September 29, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
website Perseroan dalam Bahasa Indonesia dan Bahasa
Inggris
Pengumuman RUPS Luar Biasa 21 Oktober 2022 14 September 2022 Surat kabar harian berbahasa Indonesia berperedaran
Announcement of Extraordinary GMS on October 21, September 14, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
2022 website Perseroan dalam Bahasa Indonesia dan Bahasa
Inggris
Ringkasan Risalah RUPS Tahunan dan Luar Biasa 28 Juni 2022 Surat kabar harian berbahasa Indonesia berperedaran
tanggal 24 Juni 2022 June 28, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Summary of Minutes of the Annual and Extraordinary website Perseroan dalam Bahasa Indonesia dan Bahasa
GMS on June 24, 2022 Inggris

Keterangan Tanggal Media

Description Date Media
Pemanggilan Ulang RUPS Tahunan dan RUPS Luar 31 Mei 2022 Surat kabar harian berbahasa Indonesia berperedaran
Biasa tanggal 24 Juni 2022 May 31, 2022 nasional, yaitu surat kabar Harian Terbit dan website
Reinvitation of Annual GMS and Extraordinary GMS on Perseroan dalam Bahasa Indonesia dan Bahasa Inggris
June 24, 2022 Indonesian language daily newspapers with national
circulation, namely the “Harian Terbit” newspaper and
through the Company's Website in Indonesian and English
Penundaan RUPS Tahunan dan Luar Biasa tanggal 02 27 Mei 2022 Surat kabar harian berbahasa Indonesia berperedaran
Juni 2022 May 27, 2022 nasional, yaitu surat kabar Harian Terbit dan website
Postponement of Annual and Extraordinary GMS on Perseroan dalam Bahasa Indonesia dan Bahasa Inggris
June 02, 2022 Indonesian language daily newspapers with national
Pemanggilan RUPS Tahunan dan Luar Biasa tanggal 02 11 Mei 2022 Surat kabar harian berbahasa Indonesia berperedaran
Juni 2022 May 11, 2022 nasional, yaitu surat kabar Harian Terbit dan website
Invitation to the Annual and Extraordinary GMS on June Perseroan dalam Bahasa Indonesia dan Bahasa Inggris
02, 2022 Indonesian language daily newspapers with national
Ringkasan Risalah Rapat RUPS Luar Biasa tanggal 28 02 Maret 2022 Surat kabar harian berbahasa Indonesia berperedaran
Februari 2022 March 02, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Summary of Minutes of Extraordinary GMS Meeting on website Perseroan dalam Bahasa Indonesia dan Bahasa
February 28, 2022 Inggris
Pemberitahuan Perubahan Anggota komite Audit PT 18 Februari 2022 Website Perseroan dalam bahasa Indonesia dan Bahasa
Bank Muamalat Indonesia Tbk February 18, 2022 Inggris
Notification of Changes in Audit Committee Members Company website in Indonesian and English
Keterbukaan Informasi dan Fakta Material 08 Februari 2022 Surat kabar harian berbahasa Indonesia berperedaran
Information disclosure and Material Facts February 08, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Inggris
Pemanggilan RUPS Luar Biasa tanggal 28 Februari 2022 04 Februari 2022 Surat kabar harian berbahasa Indonesia berperedaran
Invitation to Extraordinary GMS on February 28, 2022 February 04, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Inggris
Pengumuman Penundaan RUPS Luar Biasa tanggal 18 27 Januari 2022 Surat kabar harian berbahasa Indonesia berperedaran
Februari 2022 January 27, 2022 nasional, yaitu surat kabar Harian Ekonomi Neraca dan
Announcement of Postponement of Extraordinary GMS website Perseroan dalam Bahasa Indonesia dan Bahasa
on February 18, 2022 Inggris

Kode Etik Perusahaan

Corporate Code of Conduct
Kode Etik (Code of Conduct) Bank Muamalat menjadi nilai Bank Muamalat's Code of Conducts is the basic values and
dasar dan pedoman bagi seluruh insan Bank Muamalat guidelines for all employees of Bank Muamalat Indonesia
Indonesia sekaligus merupakan wujud dari komitmen Bank and manifestation of the Bank's commitment to applying
untuk menjalankan fungsi kepatuhan. Kode etik tersebut the compliance function. The code of conduct provides the
menjadi dasar dalam bersikap dan beretika seluruh insan basis for the behavior and ethics of the entire Muamalat
Muamalat di setiap kegiatan usahanya. Penyusunan Kode individuals in every business activity. The preparation of the
Etik Bank Muamalat mengacu pada Kode Etik Bankir Bank Muamalat Code of Conducts is based on the Indonesian
Indonesia, Core Values Bank Muamalat Indonesia dan Ittifaq Bankers Code of Ethics, the Core Values of Bank Muamalat
serta berdasarkan pada best practice penerapan Good Indonesia and Ittifaq and based on the best practice of
Corporate Governance. implementing Good Corporate Governance.
Kode Etik Bank Muamalat mengatur mengenai standar Bank Muamalat's Code of Conducts regulates standards
perilaku, sistem nilai, etika bisnis, etika kerja, komitmen, dan of conduct, value systems, business ethics, work ethics,
penegakan terhadap peraturan-peraturan yang berlaku bagi commitment, and enforcement of regulations that apply to
anggota Direksi, anggota Dewan Komisaris dan karyawan. members of the 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 regulated the main principles of the Code of
lingkungan Bank yaitu: Conducts within the Bank, including:
1. Kepatuhan terhadap ajaran Islam dan peraturan 1. Compliance with Islamic teachings as well as applicable
perundang-undangan yang berlaku. laws and regulations.
2. Memastikan kehalalan sumber, proses dan hasil dari 2. Ensuring halal sources, processes, and results of work,
pekerjaan, yaitu mencakup pengaturan benturan including regulation of conflicts of interest, relationships
kepentingan, hubungan dengan stakeholder, kegiatan with the stakeholders, and employees' political activities.
politik karyawan.
3. Menunjukkan perilaku disiplin dalam bekerja dan 3. Demonstrating 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. Maintaining the delegated mandate, including regulating
perilaku untuk menjaga nama baik Bank, menjaga behavior to maintain the Bank's good reputation, care
fasilitas Bank, melayani nasabah dengan baik, dan for Bank facilities, serve customers well, and prevent
mencegah tindakan pelanggaran. 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 CONDUCTS

PENEGAKAN AND ENFORCEMENT EFFORTS
Secara berkala, Bank senantiasa melakukan sosialisasi dari The Bank constantly carries out periodical socialization
tahun ke tahun melalui serangkaian pelatihan, penayangan from year to year through a series of training and display
materi Kode Etik melalui media Muamalat Human Power of Code of Conducts material through the Muamalat Human
yang dapat diakses oleh seluruh karyawan serta sosialisasi Power media, which can be accessed by all employees, as
melalui HC News. Seluruh karyawan Bank wajib memberikan well as socialization via HC News. The entire 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 manifestation of Good Corporate
Governance implementation.

PERNYATAAN KODE ETIK BERLAKU BAGI STATEMENT OF CODE OF CONDUCTS

SELURUH LEVEL ORGANISASI APPLICABLE TO ALL ORGANIZATION LEVELS
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 always
bersedia untuk selalu menaati dan melaksanakannya dengan willing to 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, Sanctions are imposed as a corrective and coaching
pembinaan dan memberikan arahan kepada karyawan agar measure, as well as providing direction to employees to
dapat memperbaiki diri, mengubah sikap dan tingkah laku ensure that they can improve themselves, change attitudes
serta berbuat sesuatu secara benar sesuai aturan yang and behavior, and do things correctly according to applicable
berlaku atau meningkatkan motivasi dan kinerja. Bank dapat rules or increase motivation and performance. The Bank may
memberikan sanksi sebagai konsekuensi atas pelanggaran impose sanctions due to violations committed by employees
yang dilakukan karyawan terhadap Kode Etik sepanjang against the Code of Conduct as long as they do not conflict
tidak bertentangan dengan peraturan perundang-undangan with the applicable laws and regulations.
yang berlaku.
Jumlah Pelanggaran dan Sanksi yang Diberikan Total Violations and Sanctions Imposed
Berikut adalah jumlah pelanggaran dan sanksi yang The following are total violations and sanctions imposed by
diberikan oleh Bank hingga berakhirnya tahun buku 2022 . the Bank until the end of the 2022 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 35 31 4
Reprimand Letter
2 SP1 12 9 3
Warning Letter 1
3 SP2 4 4 0
Warning Letter 2
4 SP3 12 9 3
Warning Letter 3
5 Pemutusan Hubungan Kerja 12 0 12
Termination of Employment
Total 75 53 22

Kebijakan Antikorupsi/Fraud dan

Sosialisasinya
Anti-Corruption/Fraud Policy and Its Socialization
Bank berkomitmen penuh untuk mencegah terjadinya The Bank is fully committed to preventing corruption and
tindak korupsi maupun tindakan penipuan (fraud) lainnya other frauds by implementing strict rules. The Bank applies
dengan menerapkan aturan yang ketat. Bank menerapkan a policy that clearly states that Muamalat Individuals are
kebijakan yang secara tegas menyatakan bahwa Insan not allowed to commit corruption, perform actions that
Muamalat tidak diperbolehkan melakukan perbuatan encourage corruption or give or receive a bribe. The Bank
korupsi atau melakukan perbuatan yang mendorong regulates anti-corruption/anti-fraud policy as described in
terjadinya korupsi, serta memberi atau menerima suap. the Code of Conducts & Employment Behavior. The Bank also
Bank mengatur kebijakan mengenai antikorupsi/anti-fraud has customer complaint service and a violation reporting
yang dituangkan dalam Kode Etik & Perilaku Kepegawaian. program, as described in the “Whistleblowing System”
Bank juga memiliki layanan pengaduan nasabah serta sub-chapter, as part of the support for implementing anti-
program pelaporan pelanggaran sebagaimana dijabarkan corruption policies within the Bank.
di sub bab “Whistleblowing System”, sebagai bagian dari
dukungan penerapan kebijakan anti korupsi di lingkungan
Bank.
FUNGSI ANTI FRAUD ANTI-FRAUD FUNCTION

Untuk mencegah terjadinya fraud, Bank Muamalat Indonesia Bank Muamalat Indonesia also developed an anti-fraud
juga telah menyusun kebijakan anti fraud dalam Pedoman policy in the Anti-Fraud Guidelines and Procedures to prevent
dan Prosedur Anti Fraud. Secara umum Pedoman dan fraud. In general, Anti-Fraud Guidelines and Procedures
Prosedur Anti Fraud mengatur antara lain tugas dan tanggung regulate anti-fraud duties and responsibilities, anti-fraud
jawab anti fraud, wewenang anti fraud, pencegahan, deteksi, authority, prevention, detection, investigation, reporting,
investigasi, pelaporan, sanksi, pemantauan, evaluasi, dan sanctions, monitoring, evaluation, and follow-up of frauds.
tindak lanjut.
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 December 19, 2019, on the Implementation of
Fraud bagi Bank Umum dan sebagai wujud penyempurnaan an AntiFraud Strategy for Commercial Banks and as a
Kebijakan Sistem Pengendalian Intern Bank. Untuk itu, manifestation of improvement of the Bank’s Internal Control
melalui upaya pemantauan dan mitigasi risiko fraud, Bank System Policy. To that end, through monitoring and mitigating
Muamalat Indonesia telah menyusun Strategi Anti Fraud fraud risk, Bank Muamalat Indonesia has developed Anti-
yang berlandaskan pada empat pilar, yakni: (1) Pencegahan, Fraud Strategy based on four pillars, namely: (1) Prevention,
(2) Deteksi, (3) Investigasi Pelaporan dan Sanksi, (4) (2) Detection, (3) Investigation, Reporting, and Sanctions, (4)
Pemantauan, Evaluasi dan Tindak Lanjut, dengan melibatkan Monitoring, Evaluation and Follow-up, involving all levels of
seluruh jajaran karyawan (line of defense). employees (line of defense).

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- Anti-fraud Training of Trainers (ToT) was
fraud yang diikuti oleh Region Head, Region carried out which was attended by Region
Operation Manager, Branch Manager, dan Heads, Region Operation Managers, Branch
Branch Operation Manager di seluruh area dan Managers, and Branch Operation Managers in
cabang se-Indonesia yang kemudian disebut all areas and branches throughout Indonesia
Anti-fraud Ambasador (Ambasador). Ambasador which 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 Apart from the roles 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 the following:
1. Menyusun dan melakukan kajian ulang secara berkala 1. Compiling and periodically reviewing Anti-Fraud
atas Pedoman dan Prosedur Anti Fraud. Guidelines and Procedures.
2. Memberikan sosialisasi, training, ataupun kampanye dan 2. Providing socialization, training, campaigns, and coaching
pembinaan kepada seluruh jenjang organisasi dalam to all organization levels to anticipate and prevent fraud.
rangka antisipasi dan pencegahan terjadinya fraud.
3. Mengawasi dan mengevaluasi pelaksanaan/ 3. Supervising and evaluating the implementation/
implementasi dari Pedoman dan Prosedur Pelaksanaan application of the Anti-Fraud Guidelines and
Anti Fraud. Implementation Procedures.
4. Mengkaji efektivitas Bank dalam mencegah, mendeteksi, 4. Assessing the Bank’s effectiveness 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. Coordinating with the related agencies and state
terkait untuk menindaklanjuti kasus fraud, baik yang apparatus to follow up on fraud cases committed by
dilakukan oleh pihak internal maupun eksternal. internal or external parties.
7. Berkoordinasi dengan unit kerja yang terkait dalam 7. Coordinating with related work units in reporting to
pelaporan kepada Bank Indonesia dan/atau Otoritas Bank Indonesia and/or the Financial Services Authority
Jasa Keuangan guna menyampaikan Laporan Penerapan to submit a Report every semester on implementing the
Strategi Anti Fraud setiap semester yang dilakukan pada 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. Reporting to the Financial Services Authority and fraud
fraud yang diperkirakan berdampak negatif secara incidents estimated to bring significant negative impacts
signifikan terhadap Bank, paling lambat 3 (tiga) hari kerja to the Bank no later than 3 (three) working days after the
setelah Bank mengetahui hal tersebut. Bank is aware of the fraud.
9. Mengadministrasikan seluruh dokumen dengan 9. Administering all documents properly. All documents are
sebaikbaiknya. Seluruh dokumen bersifat sangat rahasia strictly confidential and cannot be borrowed from any
dan tidak dapat dipinjamkan kepada pihak mana pun party unless with the written permission of the Head of
kecuali atas izin Head of Internal Audit secara tertulis Internal Audit with the acknowledgment of the President
dengan 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 running duties.
11. Berkewajiban merahasiakan seluruh informasi yang 11. Required keeping the confidentiality of all information
berkaitan dengan identitas pelapor selamanya. related to the whistleblower’s identity.
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 special audit/investigation report to
investigasi kepada Direktur Utama, Komisaris melalui the President Director, Commissioner through the Audit
Komite Audit dan ditembuskan ke Direktur Kepatuhan Committee and copy it to the Compliance Director to
untuk mendapatkan arahan yang selanjutnya dilaporkan obtain directives which then reported to related parties
kepada pihak terkait untuk dapat ditindaklanjuti. 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 2022 REALIZATION OF ACTIVITIES IN 2022
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
2022 2021 2022 2021 2022 2021
Total Fraud 0 0 14 9 0 1 Total Fraud
Telah Diselesaikan 0 0 14 9 0 1 Resolved
Dalam Proses Penyelesaian 0 0 0 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 KEBIJAKAN ANTI SOCIALIZATION OF ANTI-FRAUD POLICY

FRAUD TAHUN 2022 ACTIVITIES IN 2022
Sebagai bagian dari upaya mencegah terjadinya tindakan As part of preventing corruption and implementing an anti-
korupsi dan sebagai wujud implementasi kebijakan anti corruption policy, the Bank implements the "Anti-Fraud
korupsi, Bank merealisasikan program “Pelatihan, sosialisasi Training, Socialization and Campaign" program, conducted
dan kampanye Anti Fraud termasuk di dalamnya pelatihan in all branches twice a year and delivered by the relevant
Antikorupsi” yang telah dilaksanakan pada semua cabang Branch Managers and delivered by the Anti-Fraud team.
sebanyak 2 kali setahun dan disampaikan oleh para Pimpinan Implementation twice a year is mandatory, where the
Cabang terkait dan juga disampaikan oleh tim Anti Fraud. realization will be monitored by Anti Fraud Unit (AFU) since
Pelaksanaan 2 kali setahun merupakan suatu kewajiban, it will be a deduction factor in the assessment for branches
dimana realisasinya akan dimonitor oleh Satuan Anti Fraud that do not implement it.
(SAF) karena akan menjadi menjadi faktor pengurang dalam
penilaian bagi Cabang yang tidak melaksanakannya.
Sosialisasi Anti fraud dilakukan Di cabang-cabang yang Anti-fraud socialization is carried out in the branches by Anti-
dilakukan oleh Tim Anti Fraud maupun dilakukan oleh fraud Team and carried out by the branches independently
Cabang secara mandiri dengan pemberian materi secara by providing material online and face-to-face, with the
online maupun tatap muka, dengan rincian sebagai berikut : following details:
Periode Sosialisasi Jumlah Cabang Jumlah Peserta

Socialization Period Number of Branches Number of Participants
Semester I 2022 80 2.219
Semester II 2022 80 2.248
Pengendalian Gratifikasi
Gratuity Control
Bank Muamalat Indonesia menerapkan Kebijakan Bank Muamalat Indonesia implements Gratuity Control
Pengendalian Gratifikasi untuk mewujudkan pengelolaan Policy to realize the Bank management 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. Berdasarkan with a third party. Based on this, Bank Muamalat Indonesia
hal tersebut, Bank Muamalat Indonesia menginisiasi initiated the gratuity guidelines and control within the Bank.
pedoman dan pengendalian gratifikasi di lingkungan Bank. The gratuity guidelines and control also apply to the Bank’s
Pedoman dan pengendalian gratifikasi tersebut juga berlaku subsidiaries in accordance with applicable regulations.
untuk anak perusahaan Bank sesuai dengan ketentuan yang With these guidelines, the entire Bank Muamalat Indonesia
berlaku. Dengan adanya pedoman tersebut diharapkan personnel are expected to have an equal understanding of
agar seluruh Insan Bank Muamalat Indonesia memiliki the treatment of gratuity and avoid the practices, including
pemahaman yang setara tentang perlakuan terhadap bribery.
gratifikasi serta terhindar dari praktik gratifikasi yang
termasuk tindak pidana suap.
Bank Muamalat Indonesia mendefinisikan gratifikasi/ Bank Muamalat Indonesia defines gratuities/gifts as all forms
hadiah sebagai semua bentuk penerimaan atau pemberian, of acceptance or gift, either directly or indirectly. Gratuities/
baik langsung maupun tidak langsung. Gratifikasi/hadiah gifts can be in the form of money, goods, or something
dapat berupa uang, barang atau sesuatu penerimaan received or given in any form (including entertainment
atau pemberian berupa apa pun (termasuk hiburan dan and services) or other benefits that are not duly known or
pelayanan) atau keuntungan lain yang tidak sepatutnya reasonably suspected that the receipt or gift is intended
yang diketahui atau patut diduga bahwa penerimaan to influence the decisions of company officials and/ or
atau pemberian itu dimaksudkan untuk mempengaruhi 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
hadiah tersebut diberikan sebagai akibat karena telah is contrary to his/her obligations. Bank Muamalat Indonesia
melakukan sesuatu atau tidak melakukan sesuatu dalam prohibits all personnel of Bank Muamalat Indonesia from
jabatannya yang bertentangan dengan kewajibannya. Bank accepting or giving gifts from and/ or to other parties that
Muamalat Indonesia melarang seluruh jajaran insan Bank are intended to or are suspected of being able to influence
Muamalat Indonesia menerima atau memberi hadiah dari the decisions of Bank officials and/or other parties. Bank
dan/atau kepada pihak lain yang dimaksudkan untuk atau Muamalat Indonesia is allowed to provide assistance
diduga dapat mempengaruhi keputusan pejabat Bank dan/ (donations) for charitable or social purposes in a reasonable
atau pihak lain. Bank Muamalat Indonesia mengizinkan amount as long as it is in accordance with the laws and
pemberian bantuan (donasi) untuk kepentingan amal atau regulations as well as applicable sharia rules and regulations.
sosial dalam jumlah yang wajar sepanjang sesuai peraturan
perundang-undangan serta ketentuan dan kaidah syariah
yang berlaku.
KEGIATAN SOSIALISASI PENGENDALIAN SOCIALIZATION ACTIVITIES IN 2021

GRATIFIKASI 2022
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.
TRANSPARANSI KONDISI KEUANGAN DAN TRANSPARENCY OF THE COMPANY’S

NON-KEUANGAN PERUSAHAAN FINANCIAL AND NON-FINANCIAL CONDITIONS
Bank Muamalat Indonesia telah memenuhi kewajiban Bank Muamalat Indonesia has fulfilled the obligations of
transparansi dan publikasi kondisi keuangan dan transparency and publication of financial and nonfinancial
nonkeuangan sesuai dengan peraturan perundangan- conditions according to the prevailing laws and regulations
undangan yang berlaku, melalui penyampaian dan publikasi through the delivery and publication of information, either
informasi, baik melalui media cetak maupun situs web Bank through print media or the Bank’s website, including:
yang mencakup:
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 ketentuan Situs web Bank
dan disampaikan kepada regulator, rating agency, lembaga pengembangan perbankan, The Bank’s website
lembaga/institusi riset dan majalah keuangan
The Annual Report of Bank Muamalat Indonesia, which is prepared and presented
based on 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 the 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 information disclosure, financial education and
services to the public

PEMBELIAN KEMBALI SAHAM DAN OBLIGASI BUYBACK OF SHARES AND BONDS OF BANK
BANK MUAMALAT INDONESIA MUAMALAT INDONESIA
Selama tahun 2022, tidak terdapat buyback saham maupun Throughout 2022, there were no shares buybacks or bond
buyback obligasi. buybacks.
PEMBERIAN DANA UNTUK KEGIATAN SOSIAL PROVISION OF FUNDS FOR SOCIAL AND
DAN POLITIK POLITICAL ACTIVITIES
Bank Muamalat tidak menoleransi keterlibatan Bank dan Bank Muamalat does not tolerate the involvement of the
seluruh insan Bank Muamalat Indonesia tanpa terkecuali Bank and all personnel of Bank Muamalat Indonesia without
dalam kegiatan politik, termasuk memberikan dana untuk exception in political activities, including providing funds for
kepentingan politik. Kebijakan ini bertujuan menjaga political purposes. This policy maintains the independence
independensi dan profesionalisme Bank dan pekerja. and professionalism of the Bank and its 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 since the Bank believes that
meyakini bahwa kegiatan sosial memberi dampak positif social activities positively impact a wider audience in the
kepada khalayak yang lebih luas untuk jangka panjang. Bank long term. The Bank always strives to continue supporting
senatiasa berupaya untuk terus mendukung pelaksanaan the implementation of social activities realized through the
kegiatan sosial yang diwujudkan melalui program Tanggung Corporate Social Responsibility program. The details are
Jawab Sosial Perusahaan. Adapun rinciannya dilaporkan reported in the Chapter “Corporate Social Responsibility.”
dalam Bab “Tanggung Jawab Sosial Perusahaan”.
BATAS MAKSIMUM PENYALURAN DANA (BMPD) LEGAL LENDING LIMIT (LLL)

Sepanjang tahun 2022, Bank Muamalat Indonesia tidak Throughout 2022, Bank Muamalat Indonesia did not violate
melanggar dan/atau melampaui Batas Maksimum and/ or exceed the Legal Lending Limit (LLL) for related
Penyaluran Dana (BMPD) baik kepada pihak terkait maupun parties and unrelated parties to the Bank.
pihak tidak terkait dengan Bank.
KEBIJAKAN PERLINDUNGAN NASABAH CUSTOMER PROTECTION POLICY

Bagi BMI, nasabah merupakan salah satu pemangku For BMI, the customer is one of the stakeholders with a
kepentingan yang memiliki peran penting bagi peningkatan crucial role in improving the business performance and
kinerja dan keberlanjutan usaha Bank. Oleh karena itu, sustainability of the Bank. Therefore, the Bank is committed
Bank berkomitmen dan terus berupaya untuk memberikan and strives to provide excellent services and protection
pelayanan prima dan perlindungan bagi para nasabah yang to the customers, manifested by the customer complaint
diwujudkan dengan adanya layanan pengaduan nasabah di services on Bank Muamalat Indonesia’s website. Customers
website Bank Muamalat Indonesia. Nasabah dapat langsung can directly contact and report if they encounter issues in
menghubungi dan melaporkan bila mendapatkan kendala the banking/financial transaction process at Bank Muamalat
dalam proses perbankan/transaksi keuangan di Bank Indonesia.
Muamalat Indonesia.
Bank senantiasa berupaya secara maksimal dalam The Bank always strives to protect all customers’ interests
melindungi kepentingan seluruh nasabah dan memberikan and provide the best, as a manifestation of fulfillment of the
yang terbaik, sebagai bentuk pemenuhan Peraturan Otoritas Regulation of the Financial Services Authority of the Republic
Jasa Keuangan Republik Indonesia Nomor 6/POJK.07/2022 of Indonesia Number 6/POJK.07/2022 concerning Consumer
tentang Perlindungan Konsumen dan Masyarakat di and Community Protection in the Financial Services
Sektor Jasa Keuangan. Informasi lebih rinci terkait dengan Sector. Detailed information related to the procedure and
mekanisme prosedur dan pelaksanaan penyelesaian implementation mechanism for settling customer complaints
pengaduan nasabah dijelaskan di Bab “Tanggung Jawab is described in the “Corporate Social Responsibility” chapter.
Sosial Perusahaan”.
PERLINDUNGAN HAK KREDITUR CREDITOR RIGHTS PROTECTION

Dalam rangka perlindungan hak-hak kreditur, Bank In order to protect the creditors’ rights, 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 information disclosure, 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 GCG implementation.
yang adil, wajar dan akurat. Hal tersebut juga sejalan dengan
implementasi GCG.
Melalui kebijakan tersebut, Bank berharap hak-hak kreditur Through this policy, the Bank expects that creditors’ rights
dapat terpenuhi sekaligus mampu menjaga kepercayaan can be fulfilled while simultaneously maintaining creditors’
kreditur terhadap Bank. Bank menjamin hak-hak kreditur confidence in the Bank. The Bank guarantees that the
dilaksanakan dengan baik, yang dituangkan dalam perjanjian creditors’ 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 creditors’ 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 may 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 the Company’s policies and/or procedures as well as ethics
prosedur serta etika dan nilai-nilai budaya Perseroan, and cultural values, known as the Whistle Blowing System
yang dikenal dengan nama Sistem pelaporan pelanggaran (“WBS”). In general, WBS implementation is intended to
(Whistleblowing System/”WBS”). Secara umum, penerapan provide a comfortable and favorable work environment for
WBS ditujukan untuk menghadirkan lingkungan kerja yang all employees and prevent fraud that may lead to material or
nyaman dan kondusif bagi seluruh karyawan, serta dalam immaterial losses to the Company in the future.
rangka mencegah terjadinya tindak kecurangan yang dapat
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
internal “Speak Up”, yakni terkait perlindungan kepada provision, namely “Speak Up,” which is related to the
whistleblower, pengaduan fraud dan sistem pelaporan dan protection for whistleblowers, fraud complaints, reporting
mekanisme tindak lanjut laporan dengan mengacu pada systems and report follow-up mechanisms pursuant
ketentuan dan perundang-undangan yang berlaku di to the applicable laws and regulations, in which Bank
mana Bank Muamalat Indonesia menjamin kerahasiaan Muamalat Indonesia guarantees the confidentiality of the
identitas pelapor dan laporan yang disampaikannya dengan whistleblowers’ identity and the reports submitted in a free
free format. format.
MEKANISME PELAPORAN REPORTING MECHANISM

Bank Muamalat Indonesia menjamin kerahasiaan Bank Muamalat Indonesia guarantees the confidentiality of
identitas pelapor dan laporannya serta memberikan the whistleblowers’ identity and their report and provides
perlindungan penuh bagi whistleblower. Whistleblower dapat full protection for them. Whistleblowers can convey their
menyampaikan dugaannya secara pribadi, baik melalui allegations personally by letter, telephone, e-mail, and other
surat, telepon, e-mail serta media lainnya. Laporan dugaan media. Reports of alleged violations can be submitted to the
pelanggaran bisa disampaikan kepada Contact Center WBS Bank Muamalat Indonesia WBS Contact Center as follows:
Bank Muamalat Indonesia, yakni:
CONTACT CENTER WBS PT BANK MUAMALAT WBS CONTACT CENTER OF PT BANK MUAMALAT
INDONESIA TBK INDONESIA TBK
Muamalat Tower Lantai 9 Muamalat Tower 9th floor
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
Telpon/SMS/WA : 0811-1310-6000 Telpon/SMS/WA : 0811-1310-6000

PERLINDUNGAN BAGI PELAPOR PROTECTION FOR WHISTLEBLOWERS

Bank Muamalat Indonesia memberi jaminan perlindungan Bank Muamalat Indonesia guarantees protection to the
kepada Pelapor yang beritikad baik beserta keluarganya Whistleblowers 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 Moreover, Bank Muamalat Indonesia also provides legal
perlindungan hukum kepada Pelapor dari segala bentuk assistance to Whistleblowers from all threats, intimidation,
ancaman, intimidasi, hukuman atau tindakan yang tidak punishment, or unpleasant actions from any party.
menyenangkan dari pihak manapun. Perlindungan juga Protection is also provided to employees investigating and
diberikan kepada karyawan yang melakukan penyelidikan providing information related to investigations of violations.
dan bagi yang memberikan informasi terkait dengan
penyelidikan pelanggaran.
PENGELOLA PENGADUAN WHISTLEBLOWING MANAGER

Whistle Blowing System (WBS) dikelola dikelola melalui unit WBS is managed through the Anti-Fraud unit and functions
Anti-fraud dan difungsikan sebagai turunan dari Strategi as a derivative of the Anti-Fraud Strategy (AFS). WBS
Anti-Fraud (SAF). Pelaksanaan WBS diatur dalam Kebijakan implementation is regulated in GCG Policy and Anti-Fraud
GCG dan Prosedur Anti-fraud yang mencakup: Perlindungan Procedure, which includes: Protection for Whistleblowers,
kepada Whistleblower, Sistem Pelaporan dan Mekanisme Reporting System, Whistleblower Report Follow-Up
Tindak Lanjut Laporan Whistleblower, Pengaduan Indikasi Mechanism, Complaints on Fraud Indications, and WBS
Fraud, serta Contact Center WBS. Contact Center.
JENIS SANKSI BAGI PELANGGAR TYPES OF SANCTIONS FOR VIOLATORS

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 and in accordance with the applicable
yang berlaku. Bagi pelaku yang terbukti, Bank menerapkan laws and regulations. The Bank applies strict sanctions for
sanksi tegas dengan mengacu pada kebijakan Zero Tolerance the perpetrators by referring to the Zero Tolerance policy,
yaitu Pemutusan Hubungan Kerja, sementara untuk pihak namely Termination of Employment. In contrast, for the
terkait sanksi diberikan dengan mempertimbangkan tingkat related parties, the sanctions are imposed by considering
kelalaian dan dampak yang ditimbulkan. the level of negligence and the impact.
PENANGANAN PENGADUAN DAN TINDAK COMPLAINT HANDLING AND FOLLOW-UP IN

LANJUT TAHUN 2022 2022
Status
Jumlah Pengaduan Tidak Layak

Total Complaints Sudah Ditindaklanjuti Sedang Ditindaklanjuti Belum Ditindaklanjuti Ditindaklanjuti
Followed Up In Follow Up Not Followed Up Not Eligible to Be
Followed Up
14 14 0 0 0
PENDAPATAN NON HALAL DAN NON-HALAL INCOME AND THE USE

PENGGUNAANNYA
Berikut adalah rincian pendapatan non halal Bank sepanjang The following is detail for the Bank’s non-halal income
2022 dan penggunaannya. throughout 2022 and its use.
(dalam jutaan Rupiah | in million Rupiah)
Sumber Pendapatan Non Halal Nilai Pendapatan Non Halal

No
Non-Halal Income Source Value of Non-Halal Income
1 Denda 327
Penalties
2 Penerimaan Non Halal 1.275
Non-Halal Revenue
Total Penerimaan 1.602
Total Revenue

Tanggung
Jawab Sosial
Perusahaan
Corporate Social
Responsibility
PT Bank Muamalat Indonesia Tbk menyajikan informasi tanggung jawab sosial dan
lingkungan dalam bentuk Laporan Keberlanjutan pada buku terpisah. Laporan
tersebut, sesuai dengan Surat Edaran Otoritas Jasa Keuangan (OJK) No. 16/
SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan
Publik, yaitu mengacu Peraturan OJK Nomor 51/POJK.03/2017 tentang Penerapan
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten, dan Perusahaan
Publik.
Silahkan merujuk pada Laporan Keberlanjutan 2022 Bank Muamalat untuk informasi
lebih lengkap. Adapun yang disajikan pada halaman ini hanya “Ikhtisar Keberlanjutan”.
PT Bank Muamalat Indonesia Tbk presents information on social and environmental

responsibility in the form of a Sustainability Report in a separate book. The report, in
accordance with the Circular Letter of the Financial Services Authority (OJK) No. 16/
SEOJK.04/2021 concerning the Form and Content of the Annual Report of Issuers or
Public Companies, which refers to OJK Regulation Number 51/POJK.03/2017 concerning
the Implementation of Sustainable Finance for Financial Services Institutions, Issuers and
Public Companies.
Please refer to the Bank Muamalat 2022 Sustainability Report for more detailed
information. What is presented on this page is only “Sustainability Overview”.
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Ikhtisar Kinerja
Keberlanjutan
Sustainability Performance Highlights
Skala Usaha
Business Scale
dalam miliar Rupiah | in billion Rupiah
61.364
58.899
51.241
29.084
18.821
18.040
1.764
2.432
2.140
2020 2021 2022
Total Aset Total Pembiayaan Total Pendapatan

Total Assets Total Financing Total Income
Aspek Ekonomi
Economic Aspect
Kinerja Ekonomi
Economic Performance
dalam miliar Rupiah | in billion Rupiah
3.074
2.906
2.908
2.777
2.747
2.750
25
28
2020* 2021 2022
Perolehan Nilai Ekonomi Distribusi Ekonomi Kontribusi Pada Negara

Acquisition of Economic Value Economic Distribution Contribution to the State
(*) Koreksi Angka | Number Correction

Aspek Lingkungan
Environmental Aspect
• Mencatatkan kinerja aspek lingkungan seperti pada • Posted the following environmental aspects
grafik berikut: performance:
32.908
17.441
35.000 0,90
23.647
30.000 0,87 0,88
21.968
18.462
18.508
25.000 0,86
0,84
20.000 0,84
15.000 0,82
0,80
10.000 0,80
4.122
4.041
3.832
5.000 0,78
0 0,76
2020 2021 2022
Konsumsi Energi (GJ) Konsumsi Air (M3) Emisi GRK (Ton CO2 Eq)n Intensitas Energi (GJ/M2)
Energy Consumption (GJ) Water Consumption (M3) GHG Emissions (Ton CO2 Eq) Energy Intensity (GJ/M2)
• Mengintensifkan penerapan kebijakan pembiayaan • Intensifying the implementation of environmentally

ramah lingkungan untuk nasabah di sektor-sektor friendly financing policies for customers in industrial
industri dan menerapkan mitigasi risiko LST untuk sectors and implementing ESG risk mitigation for the
sektor kelapa sawit. palm oil sector.
• Merealisasikan beragam pelatihan keuangan • Realizing various sustainable finance trainings in
berkelanjutan bekerjasama dengan WWF. collaboration with the WWF.
Aspek Sosial
Social Aspect
• Menyelenggarakan total 5.006 jam pelatihan atau 81,4 • Organized a total of 5,006 training hours or 81.4 training
jam pelatihan/karyawan. hours /employee.
• Mengintensifkan pelatihan Business Continuity • Intensifying Business Continuity Management training
Management
• Merealisasikan program-program CSR: Beasiswa, • Realizing CSR programs: Scholarships, Social Security,
Jaminan Sosial, Muamalat Sahabat dan sebagainya, Muamalat Sahabat, and others, with the support of
dengan dukungan dana investasi sosial sebesar Rp5,93 social investment funds amounting to Rp5.93 Billion.
Miliar.
• Merealisasikan Program Literasi Keuangan secara • Realizing the online Financial Literacy Program, with a
daring, dengan total jumlah views 165.378. total of 165,378 views.
• Menyelesaikan 98,85% keluhan pelanggan di tahun • Resolve 98.85% of customer complaints in 2022.
2022.
• Mencatatkan score Indeks Customer Satisfaction Indeks • Posted 94.83% for Customer Satisfaction Index score
sebesar 94,83% dan Net Promoter Score (NPS) 70,37%. and 70.37% for Net Promoter Score (NPS).

Laporan
Keuangan 2022
2022 Financial Statements
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 2022 dan untuk As of December 31, 2022 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 - 152 - Notes to Financial Statement
************************
PT BANK MUAMALAT INDONESIA Tbk PT BANK MUAMALAT INDONESIA Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
TANGGAL 31 DESEMBER 2022 AS OF DECEMBER 31, 2022
(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 2022 2021
ASET ASSET
KAS 2.a, 3 702.179.266 745.190.145 CASH
GIRO DAN PENEMPATAN PADA CURRENT ACCOUNTS AND

BANK INDONESIA 2.d, 4 7.191.470.623 6.502.230.839 PLACEMENTS WITH BANK INDONESIA
GIRO PADA BANK LAIN CURRENT ACCOUNTS WITH OTHER BANKS

Pihak ketiga 2.e, 5 520.954.333 397.510.597 Third Parties
Cadangan Kerugian penurunan nilai -- -- Allowance for impairment losses
Neto 520.954.333 397.510.597 Net
PENEMPATAN PADA BANK LAIN 2.f, 6 PLACEMENTS WITH OTHER BANKS

Pihak ketiga 43.155.448 4.087.938 Third Parties
Cadangan Kerugian penurunan nilai (418.830) (418.830) Allowance for impairment losses
Neto 42.736.618 3.669.108 Net
INVESTASI PADA SURAT BERHARGA 2.g, 7 INVESTMENTS IN MARKETABLE SECURITIES

Pihak ketiga 27.855.377.312 26.935.960.511 Third Parties
Cadangan Kerugian penurunan nilai -- (9.975.000) Allowance for impairment losses
Neto 27.855.377.312 26.925.985.511 Net
PIUTANG 2.h, 8 RECEIVABLES

Piutang murabahah - setelah dikurangi Murabahah receivables - net of deferred
margin ditangguhkan sebesar margin income amounting to
Rp 1.715.335.147 tahun 2022 dan Rp 1,715,335,147 in 2022 and
Rp 2.087.540.600 tahun 2021 Rp 2,087,540,600 in 2021
Pihak ketiga 6.692.218.277 7.697.644.063 Third parties
Pihak berelasi 2.934.438 3.001.452 Related parties
Jumlah 6.695.152.715 7.700.645.515 Total
Cadangan Kerugian penurunan nilai (310.980.496) (222.268.268) Allowance for impairment losses
Bersih 6.384.172.219 7.478.377.247 Net
Piutang Istishna - setelah dikurangi Istishna receivables - net of deferred

margin ditangguhkan sebesar margin income amounting to
Rp 1.030.523 tahun 2022 dan Rp 1,030,523 in 2022 and
Rp 1.283.423 tahun 2021 Rp 1,283,423 in 2021
Pihak ketiga 1.331.762 1.702.215 Third parties
Cadangan Kerugian penurunan nilai (16.392) (30.763) Allowance for impairment losses
Bersih 1.315.370 1.671.452 Net
Piutang Ijarah Ijarah receivables

Bersih -- -- Net
JUMLAH PIUTANG 6.697.549.432 7.703.444.459 TOTAL RECEIVABLES

Bersih 6.385.487.589 7.480.048.699 Net
PINJAMAN QARDH 2.i, 9 FUNDS OF QARDH

Pihak berelasi 372.214 133.960 Related parties
Jumlah 864.978.271 689.169.326 Total
Bersih 833.248.617 672.165.061 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
i
Notes 2022 2021
PEMBIAYAAN MUDHARABAH 2.j, 10 MUDHARABAH FINANCING

Pihak berelasi -- -- Related parties
Jumlah 564.058.967 526.139.969 Total
Bersih 557.043.893 517.034.516 Net
PEMBIAYAAN MUSYARAKAH 2.j, 11 MUSYARAKAH FINANCING

Pihak berelasi 769.504 1.291.811 Related parties
Jumlah 10.694.846.135 9.122.394.120 Total
Bersih 10.416.113.948 8.831.663.553 Net
PENYERTAAN SAHAM 2.m, 12 407.711.237 407.711.237 INVESTMENT IN SHARES

Bersih 347.468.837 347.468.837 Net
TAGIHAN AKSEPTASI 2.k, 13.a ACCEPTANCES RECEIVABLE

Jumlah 46.223.720 63.093.034 Total
ASET YANG DIPEROLEH UNTUK IJARAH 2.n, 14 ASSETS ACQUIRED FOR IJARAH
Akumulasi penyusutan (2.306.482) (2.372.439) Accumulated depreciation
Jumlah 869.905 267.658 Total
Cadangan Kerugian penurunan nilai -- -- Allowance for impairment losses
Nilai buku - neto 869.905 267.658 Book value - net
ASET TETAP 2.p, 15 PREMISES AND EQUIPMENT

setelah dikurangi akumulasi penyusutan net of accumulated depreciation of
sebesar Rp1.735.771.100 tahun 2022 dan Rp1,735,771,100 in 2022 and
Rp1.671.071.667 tahun 2021 2.709.131.723 2.843.848.815 Rp1,671,071,667 in 2021
ASET PAJAK TANGGUHAN - NETO 2.ag, 22.d 139.908.777 140.464.747 DEFERRED TAX ASSETS - NET
ASET LAIN-LAIN - NETO 16 3.615.369.048 3.428.533.199 OTHER ASSETS - NET
JUMLAH ASET 61.363.584.209 58.899.174.319 TOTAL ASSETS
ii

Notes 2022 2021
LIABILITAS, LIABILITIES,
DANA SYIRKAH TEMPORER TEMPORARY SYIRKAH FUNDS
DAN EKUITAS AND STOCKHOLDERS' EQUITY
LIABILITAS SEGERA 2.u, 17 116.395.779 1.083.107.314 LIABILITIES DUE IMMEDIATELY
BAGI HASIL YANG BELUM DIBAGIKAN 18 68.302.948 39.711.545 UNDISTRIBUTED REVENUE SHARING
SIMPANAN 2.v, 19 DEPOSITS

Giro wadiah Wadiah demand deposits
Jumlah 3.170.218.108 4.095.806.187 Total
Tabungan wadiah Wadiah saving deposits
Jumlah 6.056.911.545 5.580.622.214 Total
Deposito Wakalah - pihak ketiga -- -- Wakalah deposits - third parties
Jumlah 9.227.129.653 9.676.428.401 Total
SIMPANAN DARI BANK LAIN 2.w, 20 59.392.525 78.846.208 DEPOSITS FROM OTHER BANKS
LIABILITAS AKSEPTASI 2.k, 13.e 14.280.969 25.270.423 ACCEPTANCES PAYABLE
PINJAMAN YANG DITERIMA 21 500.000.000 100.000.000 FUND BORROWINGS
UTANG PAJAK 22 21.564.574 22.048.495 TAXES PAYABLE
ESTIMASI KERUGIAN KOMITMEN ESTIMATED LOSSES ON COMMITMENTS

DAN KONTINJENSI 2.ag, 23 854.210 815.650 AND CONTINGENCIES
ESTIMASI LIABILITAS ESTIMATED LIABILITIES

IMBALAN KERJA 2.ac, 24 125.465.511 153.743.250 FOR EMPLOYMENT BENEFIT
LIABILITAS LAIN-LAIN 25 431.284.270 374.674.810 OTHER LIABILITIES
JUMLAH LIABILITAS 10.564.670.439 11.554.646.096 TOTAL LIABILITIES

Bukan bank 2x, 26 Non- banks
Giro mudharabah Mudharabah demand deposits
Jumlah giro mudharabah 1.707.856.687 2.052.623.596 Total mudharabah demand deposits
Tabungan mudharabah Mudharabah savings deposits

Jumlah tabungan mudharabah 10.065.044.164 10.452.596.643 Total mudharabah savings deposits
Deposito mudharabah Mudharabah time deposits

Pihak berelasi 10.626.556.541 10.076.073.088 Related parties
Jumlah deposito 25.143.085.120 24.689.725.558 Total mudharabah time deposits
Jumlah dana syirkah temporer dari Total temporary syirkah funds from
bukan bank 36.915.985.971 37.194.945.797 non-banks
Bank Banks
Giro mudharabah 153.681.358 94.153.533 Mudharabah demand deposits
Tabungan mudharabah 644.558.375 585.513.657 Mudharabah savings deposits
Deposito mudharabah 1.357.644.867 958.473.062 Mudharabah time deposits
Jumlah dana syirkah temporer dari bank 2.155.884.600 1.638.140.252 Total temporary syirkah funds from banks
Surat Berharga Yang Diterbitkan Securities Issued

Sukuk mudharabah 4.525.093.625 4.425.093.625 Mudharabah sukuk
Sukuk mudharabah subordinasi 2.000.000.000 -- Subordinated mudharabah sukuk
Medium Term Notes Syariah Subordinasi -- 100.000.000 Medium Term Notes Sharia Subordinated
Jumlah Surat Berharga yang diterbitkan 6.525.093.625 4.525.093.625 Total of Securities Issued
JUMLAH DANA SYIRKAH TEMPORER 45.596.964.196 43.358.179.674 TOTAL TEMPORARY SYIRKAH FUNDS
iii

Notes 2022 2021
EKUITAS STOCKHOLDERS' EQUITY

Modal saham - nilai nominal Capital Stock - par value of
Rp 200 per saham seri A, Rp 200 for series A shares,
Rp 100 per saham seri B dan Rp 100 for series B shares and
Rp 30 per saham seri C Rp 30 for series C 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 and 40,000,000,000 series C shares
tahun 2022 dan 2021 in 2022 and 2021
Modal ditempatkan dan disetor penuh Issued and fully paid -
826.649.175 saham seri A, 826,649,175 series A shares,
9.381.053.160 saham seri B dan 9,381,053,160 series B shares and
39.810.039.107 saham seri C tahun 2022 39,810,039,107 series C shares in 2022
serta 826.649.175 saham seri A dan and 826,649,175 series A shares and
9.381.053.160 saham seri B tahun 2021 1.c, 27 2.297.736.324 1.103.435.151 9,381,053,160 series B shares in 2021
Tambahan modal disetor - bersih 28 1.571.133.406 1.578.925.257 Additional paid-in capital-net
Keuntungan (kerugian) pengukuran kembali program Gain (loss) from remeasurement
imbalan pasti - setelah pajak 24 81.665.794 78.081.619 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 (1.464.552) 2.003.172 for sale securities (AFS)
Surplus revaluasi atas aset tetap - Revalution surplus on premises
setelah pajak 15 564.272.409 576.915.177 and equipment - net of tax
Saldo laba 29 688.606.193 646.988.173 Retained earnings
Jumlah Ekuitas 5.201.949.574 3.986.348.549 Total Stockholders' Equity
JUMLAH LIABILITAS, TOTAL LIABILITIES,

DAN EKUITAS 61.363.584.209 58.899.174.319 AND STOCKHOLDERS' EQUITY
3.584.175 8.581.113
(3.467.724) 2.130.012
-
41.618.020
(1.877.631) 2.568.169
(1.877.631)
iv

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 2022 AS OF DECEMBER 31, 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Indonesian Rupiah,
kecuali laba bersih per saham dasar) except share data)
Notes 2022 2021
PENDAPATAN PENGELOLAAN DANA REVENUE FROM FUND

OLEH BANK SEBAGAI MUDHARIB 30 MANAGEMENT AS MUDHARIB
Pendapatan dari penjualan 469.298.171 830.746.567 Income from sales
Pendapatan dari bagi hasil 722.285.259 970.066.086 Income from revenue sharing
Pendapatan dari ijarah - bersih 43.668 2.910.981 Income from revenue from Ijarah - net
Pendapatan usaha utama lainnya 572.777.481 336.066.706 Other main operating income
Jumlah pendapatan bank sebagai Total revenue from fund
mudharib 1.764.404.579 2.139.790.340 management as mudharib
HAK PIHAK KETIGA ATAS BAGI HASIL THIRD PARTIES' SHARE ON RETURNS
DANA SYIRKAH TEMPORER 31 (1.434.714.676) (1.374.582.614) OF TEMPORARY SYIRKAH FUNDS
HAK BAGI HASIL MILIK BANK 329.689.903 765.207.726 BANK'S SHARE IN REVENUE SHARING
PENDAPATAN OPERASIONAL LAINNYA 32 1.097.740.499 583.694.903 OTHER OPERATING INCOME
BEBAN OPERASIONAL OPERATING EXPENSES

Umum dan administrasi 34 (510.980.315) (529.607.553) General and administrative
Karyawan 33 (635.187.554) (683.218.645) Employee
Bonus giro wadiah (12.577.960) (21.390.798) Bonus on wadiah demand deposits
Lain-lain 36 (71.578.448) (103.329.365) Others
Jumlah beban usaha (1.230.324.277) (1.337.546.361) Total other operating expenses
BEBAN CADANGAN KERUGIAN PENURUNAN PROVISION FOR IMPAIRMENT LOSSES ON

NILAI ASET PRODUKTIF DAN NON PRODUKTIF 35 (129.527.754) (16.032.681) EARNING AND NON-EARNING ASSETS
KEUNTUNGAN SELISIH KURS 30.289.012 24.154.776 GAIN ON FOREIGN EXCHANGES
LABA USAHA 97.867.383 19.478.363 INCOME FROM OPERATIONS
PENDAPATAN (BEBAN) NON

OPERASIONAL NON-OPERATING INCOME (EXPENSE)
Pendapatan Non Operasional 37 14.451.384 27.755.289 Non-Operating Revenue
Beban Non Operasional 38 (60.317.890) (34.719.912) Non-Operating Expense
PENDAPATAN (BEBAN) NON OPERASIONAL- NETO (45.866.506) (6.964.623) NON-OPERATING (EXPENSE) - NET
LABA SEBELUM PAJAK 52.000.877 12.513.740 INCOME BEFORE INCOME TAX
MANFAAT (BEBAN) PAJAK 22 INCOME TAX BENEFIT (EXPENSE)

Pajak Kini (24.896.684) (5.109.109) Current Tax
Pajak Tangguhan (523.125) 1.522.420 Deferred Tax
(25.419.809) (3.586.689)
LABA BERSIH 26.581.068 8.927.051 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 24 4.595.096 11.001.427 benefit plan
Pajak penghasilan terkait (1.010.921) (2.420.314) 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 (4.445.800) 2.730.785 available-for-sale mutual fund
Pajak penghasilan terkait 978.076 (600.773) Related income tax
Jumlah laba komprehensif lain Total other comprehensive income
bersih setelah pajak 116.451 10.711.125 net of tax
JUMLAH LABA KOMPREHENSIF TOTAL COMPREHENSIVE
TAHUN BERJALAN 26.697.519 19.638.176 INCOME FOR THE YEAR
LABA PER SAHAM DASAR 0,53 0,87 BASIC EARNINGS PER SHARE
(dalam nilai penuh) (In full amount)
Catatan atas Laporan Keuangan merupakan bagian yang 50.017.741 10.207.702 The accompanying Notes to Financial Statements

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 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
Dana setoran modal 1.194.301.173 -- -- -- -- -- -- 1.194.301.173 Paid in capital
Biaya emisi saham -- (7.791.851) -- -- -- -- -- (7.791.851) Share issuance cost
Laba belum direalisasi atas

surat berharga yang tersedia Unrealized gain on marketable securities
untuk dijual -- -- -- -- (3.467.724) -- -- (3.467.724) of available for sale
Pemindahan penyusutan Depreciation transfer for premises

aset tetap -- -- -- (12.642.768) -- -- 12.642.768 -- and equipment
Surplus Revaluasian -- -- -- -- -- -- 2.394.184 2.394.184 Surplus Revaluation

Pengukuran kembali Remeasurement of defined
program imbalan pasti -- -- 3.584.175 -- -- -- - 3.584.175 benefit plan
Laba bersih tahun berjalan -- -- -- -- -- -- 26.581.068 26.581.068 Net income for the year
Saldo per 31 Desember 2022 2.297.736.324 1.571.133.406 81.665.794 564.272.409 (1.464.552) - 688.606.193 5.201.949.574 Balance as of December 31, 2022
vi

LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
(Disajikan dalam ribuan Rupiah) (Expressed in thousands of Indonesian Rupiah)
Notes 2022 2021
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM OPERATING

OPERASI ACTIVITIES
Penerimaan pendapatan pengelolaan dana oleh Revenue receipt from fund management
Bank sebagai mudharib 1.752.638.248 1.849.961.446 as mudharib
Pembayaran bagi hasil dana syirkah temporer (1.406.123.273) (1.312.687.780) Payment of temporary syirkah funds
Penerimaan pendapatan operasional lainnya 1.024.476.193 593.823.823 Receipt from other operating revenue
Penerimaan kembali piutang dan pembiayaan Receipt from receivables and
yang telah dihapusbukukan 16.953.257 954.894 and financing already written-off
Pembayaran beban kepegawaian (671.630.212) (651.047.226) Payments for employee expenses
Pembayaran beban operasional lainnya (598.507.473) (616.788.630) Payments for other operating expenses
Pembayaran pajak penghasilan (25.419.808) (7.221.197) Payments of income taxes
Penerimaan pendapatan non operasional 14.451.384 2.777.577 Receipts from non operating income
Pembayaran beban non operasional (60.317.890) (24.359.044) Payments for non operating expenses
Arus kas dari operasi sebelum Cash flows from operating activities before changes in
perubahan aktiva dari kewajiban operasi 46.520.426 (164.586.138) operating assets and liabilities
Penurunan (kenaikan) aktiva operasi : Decrease (increase) in operating assets:

Penempatan Bank Lain (39.067.510) (30.375) Placements with Bank Indonesia & other banks
Efek - Efek - - Marketable Securities
Piutang 1.094.561.110 5.069.409.672 Receivables
Pinjaman Qardh (161.083.556) 211.271.501 Fund of Qardh
Pembiayaan Mudharabah (40.009.376) 96.522.800 Mudharabah financing
Pembiayaan Musyarakah (1.584.450.395) 5.445.911.609 Musyarakah financing
Aktiva yang diperoleh untuk Ijarah - bersih (602.246) 181.353.418 Assets acquired for Ijarah - net
Aktiva lain-lain 219.603.232 (171.469.594) Other assets
Kenaikan (penurunan) kewajiban operasi : Increase (decrease) in operating liabilities:
Liabilitas segera (966.711.535) 1.043.005.545 liabilities due immidiately
Simpanan (449.298.748) 2.317.214.421 Deposits
Simpanan dari bank lain (18.757.646) (7.916.974) Deposits from other banks
Utang pajak 3.100.254 (8.877.378) Taxes payable
Liabilitas lain-lain 769.851.798 (1.593.318.138) Other liabilities
Kenaikan Dana Syirkah Temporer 2.238.784.522 5.469.130.748 Increase of Temporary Syirkah Funds
Arus Kas Bersih Diperoleh (Digunakan) Net Cash Provide (Used)
untuk Aktivitas Operasi 1.112.440.330 17.887.621.117 in Operating Activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM INVESTING

INVESTASI ACTIVITIES
Perolehan investasi pada surat berharga (3.292.054.750) (15.700.576.958) Acquisition of securities
Hasil penjualan investasi pada surat berharga 711.650.326 270.847.146 Proceeds from sale of securities
Hasil penjualan aset tetap 1.106.367 1.440.915 Proceeds from sale of premises and equipment
Pembelian aset tetap (24.322.467) (14.382.061) Acquisition of premises and equipment
Arus Kas Bersih Diperoleh (Digunakan) Net Cash Provide (Used)
untuk Aktivitas Investasi (2.603.620.524) (15.442.670.957) in Investing Activities
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM FINANCING

PENDANAAN ACTIVITIES
Penerbitan sukuk mudharabah -- 2.440.856.000 Issuance of mudharabah sukuk
Penerimaan pinjaman diterima 500.000.000 -- Receipt from fund borrowing
Pembayaran pinjaman diterima (100.000.000) -- Payment of fund borrowing
Pembayaran utang dividen (79.655) -- Payments of dividend liabilities
Penerbitan sukuk subordinasi mudharabah 2.000.000.000 -- Issuance of subordinate mudharabah sukuk
Pembayaran medium term notes subordinasi (100.000.000) -- Payment of subordinated medium term notes
(Pencairan) REPO -- (1.302.086.987) Proceed from REPO
Arus Kas Bersih Diperoleh (Digunakan) dari Net Cash Provided (Used) by
Aktivitas Pendanaan 2.299.920.345 1.138.769.013 Financing Activities
KENAIKAN BERSIH KAS DAN SETARA KAS 808.740.151 3.583.719.173 NET INCREASE IN CASH AND CASH EQUIVALENTS
SETARA KAS CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
PADA AWAL TAHUN 7.649.019.519 4.065.300.346 AT BEGINNING OF YEAR
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS AT
PADA AKHIR TAHUN 8.457.759.670 7.649.019.519 END OF YEAR
Kas dan Setara Kas Akhir Tahun Cash and Cash Equivalents at end of year
terdiri dari: consist of:
Kas 3 702.179.266 745.190.145 Cash
Giro dan Penempatan pada Bank Indonesia 4 7.191.470.623 6.502.230.839 Current Accounts and Placements with Bank Indonesia
Giro pada bank lain 5 520.954.333 397.510.597 Demand deposits with other banks
Penempatan pada Bank Lain 6 43.155.448 4.087.938 Placements with other banks
Jumlah 8.457.759.670 7.649.019.519 Total
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan are an integral part of the consolidated financial statements
vii
LAPORAN REKONSILIASI PENDAPATAN INTERIM STATEMENT OF RECONCILIATION
DAN BAGI HASIL OF INCOME AND REVENUE SHARING
Notes 2022 2021
PENDAPATAN USAHA
UTAMA (AKRUAL) 1.764.404.579 2.236.978.866 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 (25.076.811) 173.687.043 Murabahah receivables
Piutang istishna (1.093) 21.482 Istishna receivables
Piutang ijarah (153) 2.676.630 Ijarah receivables
Pembiayaan mudharabah (2.018.521) 5.484 Mudharabah financing
Pembiayaan musyarakah 55.052.220 292.263.837 Musyarakah financing
Pendapatan Surat Berharga Income from Marketable Securities
Bank Indonesia (43.340) -- Bank Indonesia
Surat berharga 11.817.635 3.922.023 Marketable securities
Jumlah 39.729.937 472.576.499
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 173.687.043 299.613.010 Murabahah receivables
Piutang istishna 21.482 (410) Istishna 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
Surat berharga -- -- Marketable securities
Pendapatan Surat Berharga Income from Marketable Securities
Bank Indonesia -- 549.894 Bank Indonesia
Surat berharga 3.922.023 7.875.761 Income from Sukuk
Jumlah 472.576.499 556.055.490 Total
Laba operasi yang tersedia Available operating income for

untuk bagi hasil 2.197.251.141 2.320.457.857 profit sharing
PENDAPATAN TERSEDIA UNTUK AVAILABLE INCOME FOR

BAGI HASIL PROFIT SHARING
Bagi hasil yang menjadi hak Bank Syariah 830.839.413 933.941.821 Profit sharing attributable to Sharia Bank
Bagi hasil yang menjadi hak pemilik dana 31 1.366.411.728 1.386.516.036 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 1.298.108.780 1.346.804.491 to depositors
Hak pemilik dana atas bagi hasil Undistributed revenue sharing
yang belum didistribusikan 18 68.302.948 39.711.545 attributable to depositors
tidak terpisahkan dari laporan keuangan konsolidasian secara keseluruhan are an integral part of the consolidated financial statements
viii

LAPORAN SUMBER DAN PENYALURAN STATEMENT OF SOURCES AND DISTRIBUTION
DANA ZAKAT OF ZAKAT FUNDS
Notes 2022 2021
Sumber Dana Zakat Sources of Zakat Funds

Internal Bank 223.176 250.494 Internal Bank
Eksternal Bank 7.122.293 7.946.364 External Bank
7.345.469 8.196.858
Penyaluran Dana Zakat Distribution of Zakat Funds
Baitul Maal Muamalat (BMM) 2.476.281 8.196.858 Baitul Maal Muamalat (BMM)
Dompet Dhuafa -- -- Dompet Dhuafa
BAZNAS 4.465.829 -- BAZNAS
6.942.110 8.196.858
Surplus 403.359 -- 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
ix
LAPORAN SUMBER DANA DAN STATEMENTS OF SOURCES AND USES
PENGGUNAAN DANA KEBAJIKAN OF QARDHUL HASAN FUNDS
Catatan/ December 31, December 31,
Notes 2022 2021
Sumber Dana Kebajikan Sources of Qardhul Hasan Funds

Denda 327.417 -- Penalty
Pendapatan non-halal 5b 1.274.937 637.176 Non-halal income
1.602.354 637.176
Penggunaan Dana Kebajikan Uses of Qardhul Hasan Funds
Sumbangan 1.601.212 637.176 Donation
Surplus 1.142 -- 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
CATATAN ATAS LAPORAN KEUANGAN NOTES TO FINANCIAL STATEMENTS
Tanggal 31 Desember 2022 As of December 31, 2022
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
1 November 1991 dari Notaris Yudo Paripurno, No.1 dated November 1, 1991 of Yudo Paripurno,
S.H., notaris di Jakarta. Akta pendirian tersebut S.H., notary in Jakarta. The deed of
telah disahkan oleh Menteri Kehakiman Republik establishment was approved by the Minister of
In do n es ia den gan Surat Keputusan Justice in his Decision Letter
No.C2.2413.HT.01.01.Th.92 tanggal 21 Maret No.C2.2413.HT.01.01.Th.92 dated March 21,
1992 dan telah diumumkan dalam Berita Negara 1992 and was published in State Gazette
Republik Indonesia No. 1919A Tahun 1992, No.1919A, Supplement No. 34, dated April 28,
tambahan Berita Negara No. 34 tanggal 28 April 1992.
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 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 dengan cara Authorized Capital to become Rp5,600,000,000
Penawaran Umum Terbatas (PUT VI) kepada concerning the issues of shares through Limited
pemegang saham dengan Hak Memesan Efek Public Offering (Rights Issue VI) to existing
Terlebih Dahulu (HMETD) sehingga Modal Dasar shareholders with pre-emptive rights so that the
serta Modal Ditempatkan dan Disetor Perseroan Authorized Capital, the Issued and Paid-in Capital
memenuhi ketentuan pasal 33 ayat (1) dan of the Company comply with the provisions of
(2) UU PT. Perubahan tersebut telah disetujui paragraphs (1) and (2) of article 33 of the
oleh Menteri Hukum dan Hak Asasi Manusia Corporate Law. The latest amendment was
Republik Indonesia dengan Surat Keputusan approved by the Minister of Law and Human
No.AHU-0021844.AH.01.11.Tahun 2022 tanggal Rights of the Republic of Indonesia in his
31 Januari 2022. decision letter No. AHU-0021844.AH.01.11.Tahun
2022 dated January 31, 2022.
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 2022 dan As of December 31, 2022 and 2021, Bank has
2021, 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,
2022 2021
Kantor Cabang 80 80 Branch Offices

Kantor Cabang Pembantu 128 131 Sub-Branch Offices
Kantor Kas 27 29 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-
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 The composition of the Bank's Board of
31 Desember 2022 ditetapkan berdasarkan Akta Commissioners as of December 31, 2022 was
Pernyataan Keputusan Rapat Umum Pemegang determined based on Deed of Resolution of the
Saham Luar Biasa (RUPSLB) PT Bank Muamalat Bank's Extraordinary General Meeting of
Indonesia Tbk No. 22 tanggal 9 Desember 2022, Shareholders No. 22 dated December 9, 2022, of
Notaris Ashoya Ratam, S.H., M.Kn. Susunan Notary Ashoya Ratam, S.H., M.Kn. The
Dewan Komisaris pada tanggal 31 Desember composition of the Bank's Board of
2021 ditetapkan berdasarkan Akta Pernyataan Commissioners as of December 31, 2021 was
Keputusan Rapat Umum Pemegang Saham determined based on Deed of Resolution of the
Tahunan (RUPS) PT Bank Muamalat Indonesia Bank's Annual General Meeting of Shareholders
Tbk No.29 tanggal 17 Mei 2019 Notaris Utiek R. No.29 dated May 17, 2019, of Notary Utiek R.
Abdurachman, S.H., M.Li., M.Kn. Rincian Susunan Abdurachman, S.H., M.Li., M.Kn. Details of the
Dewan Komisaris adalah sebagai berikut: Composition of the Board of Commissioners are
as follows:
31 Desember 2022/ 31 Desember 2021/

Dewan Komisaris Board of Commissioners

Komisaris Utama President Commissioner
(Independen) Mardiasmo* Ilham Akbar Habibie (Independent)
Komisaris (Independen) Sartono Edy Setiadi Commissioner (Independent)
Komisaris (Independen) Amin Said Husni Iggi Haruman Achsien Commissioner (Independent)
Komisaris (Independen) Suwarta* Mohamed Hedi Mejai Commissioner (Independent)
Abdulsalam Mohammad Joher
Komisaris Andre Mirza Hartawan Al-Saleh Commissioner
*) Efektif setelah mendapat persetujuan Fit and *) Effective after passing the Fit and Proper Test by the
Proper Test dari Otoritas Jasa Keuangan. Financial Services Authority.
Susunan Dewan Direksi pada tanggal The composition of the Bank's Board of Directors as
31 Desember 2022 ditetapkan berdasarkan Akta of December 31, 2022 was determined based on
Keputusan Rapat Umum Pemegang Saham Luar Deed of Resolution of the Bank's Extraordinary
Biasa (RUPSLB) PT Bank Muamalat Indonesia Tbk General Meeting of Shareholders No. 22 dated
No. 22 tanggal 9 Desember 2022, Notaris Ashoya December 9, 2022, of Notary Ashoya Ratam, S.H.,
Ratam, S.H., M.Kn. Susunan Dewan Direksi pada M.Kn. The composition of the Bank's Board of
tanggal 31 Desember 2021 ditetapkan Directors as of December 31, 2021 was determined
berdasarkan Akta Pernyataan Keputusan Rapat based on Deed of Resolution of the Bank's Annual
Umum Pemegang Saham Tahunan (RUPS) General Meeting of Shareholders No.29 dated May
PT Bank Muamalat Indonesia Tbk No.29 tanggal 17, 2019, of Notary Utiek R. Abdurachman, S.H.,
17 Mei 2019 Notaris Utiek R. Abdurachman, S.H., M.Li., M.Kn. Details of the Composition of the Board
M.Li., M.Kn. Rincian Susunan Dewan Direksi of Directors are as follows:

Dewan Direksi Board of Directors

Direktur Utama Indra Falatehan* Achmad Kusna Permana President Director
Direktur Kepatuhan Karno Andri Donny Compliance Director
Direktur Hery Syafril Avianto Istihardjo Director
Direktur Suhendar* Hery Syafril Director
Direktur Wahyu Avianto Awaldi Director
Direktur -- Purnomo Budiwibowo Soetadi Director
*) Efektif setelah mendapat persetujuan Fit and *) Effective after passing the Fit and Proper Test by the
Proper Test dari Otoritas Jasa Keuangan. Financial Services Authority.
-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)
Susunan Dewan Pengawas Syariah pada tanggal The composition of the Bank's Sharia Supervisory
31 Desember 2022 dan 2021 ditetapkan Board as of December 31, 2022 and 2021 was
berdasarkan Akta Pernyataan Keputusan Rapat determined based on Deed of Resolution of the
Umum Pemegang Saham Luar Biasa PT Bank Bank’s Extraordinary General Meeting of
Muamalat Indonesia Tbk No.51 tanggal Shareholders No.51 dated August 30, 2021, of
30 Agustus 2021, Notaris Ashoya Ratam, S.H., Notary Ashoya Ratam, S.H., M.Kn. Details of the
M.Kn. Rincian Susunan Dewan Pengawas Syariah Composition of the Sharia Supervisory Board are
adalah sebagai berikut: as follows:
31 Desember 2022 dan 2021/
December 31, 2022 and 2021
Dewan Pengawas Syariah Sharia Supervisory Board
Ketua Drs. H. Sholahudin Al Aiyub, M.Si. Chairman
Anggota 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 2022 ditetapkan berdasarkan Surat of December 31, 2022 based on Decision Letter
Keputusan No. 035/B/DIR-KPTS/XII/2022 No.035/B/DIR-KPTS/XII/2022 dated December 16,
tanggal 16 Desember 2022 dan 31 Desember 2022 and as of December 31, 2021, based on
2021 ditetapkan berdasarkan Surat Keputusan Decision Letter No.032/B/DIR-KPTS/XII/2019
No.032/B/DIR-KPTS/XII/2019tanggal 5 Desember dated December 5, 2019, are as follows:
2019 adalah sebagai berikut:
Ketua Mardiasmo* Iggi Haruman Achsien Chairman
Anggota Sartono -- Member
Anggota Suwarta* -- Member
Anggota Dwi Sasongko Dwi Sasongko Member
Anggota Tika Arundina Tindomora Siregar Member
*) Efektif setelah mendapat persetujuan Fit and Proper *) Effective after passing the Fit and Proper Test by
Test dari Otoritas Jasa Keuangan. the Financial Services Authority.
Kepala Divisi Internal Audit Bank pada tanggal The Bank’s Head of Internal Audit Division as of
31 Desember 2022 dan 2021 adalah Riva Yan December 31, 2022 and 2021 is Riva Yan Abdillah,
Abdillah sesuai Surat Keputusan Direksi Bank in accordance with the Decision Letter of the
No.003/B/DIR/KPTS/I/2021 tanggal 26 Januari Directors of the Bank No.003/B/DIR/KPTS/I/2021
2021. dated January 26, 2021.
Sekretaris Perusahaan pada tanggal 31 Desember The Bank’s Corporate Secretary as of
2022 dan 2021 adalah Hayunaji sesuai Surat December 31, 2022 and 2021 is Hayunaji, in
Keputusan Direksi No.218/HCE/PKWTT/IX/2018 accordance with the Decision Letter of the
tanggal 6 September 2018. Directors of the Bank 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 2022 dan 2021 years ended December 31, 2022 and 2021 are
dijelaskan pada catatan 33. described in note 33.
Pada tanggal 31 Desember 2022 dan 2021, Bank As of December 31, 2022 and December 31, 2021,
masing-masing memiliki 3.751 orang karyawan the Bank has 3,751 employees (2,426 permanent
(2.426 karyawan tetap, 54 karyawan kontrak dan employees, 54 contract employees and 1,271
1.271 tenaga kerja borongan) dan 3.997 orang temporary workers) and 3,997 employees (2,644
karyawan (2.644 karyawan tetap, 56 karyawan permanent employees, 56 contract employees and
kontrak dan 1.297 tenaga kerja borongan) (tidak 1,297 temporary workers), respectively
diaudit). (unaudited).
-4-
c. Penawaran Umum Saham dan Sukuk c. Bank's Public Offering of Shares 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, Yudo Paripurno, S.H., dated September 22, 1998,
tanggal 22 September 1998, para pemegang the shareholders approved the issuance of
saham telah menyetujui untuk menerbitkan 172,504,936 B Series shares at an offering price
saham baru Seri B sebanyak 172.504.936 saham of Rp1,025 (in full amount) per share through
dengan harga penawaran Rp1.025 (dalam nilai Rights Issue I with preemptive rights. The Bank
penuh) per saham, melalui Penawaran Umum obtained the notice of effectivity for the rights
Terbatas I dengan Hak Memesan Efek Terlebih issue from the Chairman of the Capital Market
Dahulu (Rights Issue). Penawaran Umum Supervisory Agency (BAPEPAM) under his letter
Terbatas I dengan Hak memesan Efek Terlebih No.S-1265/PM/98 dated September 19, 1998.
Dahulu ini telah dinyatakan efektif oleh Ketua
BAPEPAM dengan suratnya No.S-1265/PM/98
pada tanggal 19 September 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 Public Offering with pre-emptive rights (Rights
dinyatakan efektif oleh Ketua BAPEPAM Issue) II from the Chairman of the Capital Market
dengan suratnya No. S-24668/PM/2002 tanggal Supervisory Agency (BAPEPAM) under his letter
15 November 2002. No. S-24668/PM/2002 dated November 15, 2002.
-5-
Subordinasi Mudharabah (lanjutan) Subord ina t ed Mudharabah 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
tanggal 28 September 2010, Bank telah September 28, 2010 of Bapepam-LK, the Bank
memperoleh pemberitahuan efektif pernyataan obtained the notice of effectivity for the Limited
pendaftaran Penawaran Umum Terbatas IV Offering of 820,251,749 shares with pre-emptive
dalam rangka penerbitan Hak Memesan Efek rights, through Rights Issue IV. Every holder of
Terlebih Dahulu (HMETD) sebanyak 820.251.749 C series shares shall receive 1 (one) right to
saham. Setiap pemegang saham yang memiliki purchase 1 (one) new C Series share with par
saham biasa Seri C mendapatkan 1 (satu) hak value of Rp500 per share (in full amount) at the
untuk membeli 1 (satu) saham biasa Seri C exercise price of Rp1,161 per share (in full
dengan nilai nominal Rp500 per saham (dalam amount). Additional share capital gained from
nilai penuh) dengan harga pelaksanaan Rp1.161 Rights Issue IV amounted to Rp673,093,004 and
per saham (dalam nilai penuh). Penambahan additional paid in capital amounted to
modal yang diperoleh dari PUT IV tersebut Rp383,216,603.
berjumlah Rp673.093.004 serta tambahan modal
disetor saham berjumlah Rp383.216.603.
-6-
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 dated August 30, 2021 of Ashoya Ratam, S.H.
30 Agustus 2021, para pemegang saham M.Kn, the shareholders approved the increase of
menyetujui peningkatan modal ditempatkan dan issued and paid-in capital through the issuance of
disetor penuh melalui Penawaran Umum C Series shares through Limited Public Offering
Terbatas VI (PUT VI) dengan Hak Memesan Efek with pre-emptive rights VI (Rights Issue VI) up to
Terlebih Dahulu atas Saham Seri C dengan nilai a maximum of 40,000,000,000 shares with par
nominal Rp30 (dalam Rupiah penuh) per lembar value of Rp30 (in full amount) per share.
saham 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
diperoleh dari PUT VI tersebut berjumlah
Rp1.194.301.173.
-7-
Subordinasi Mudharabah (lanjutan) Subordinated Mudharabah Sukuk
(continued)
Sukuk Subordinasi Mudharabah Jangka Long Term Without Through Public

Panjang Yang Diterbitkan Tanpa Melalui Offering Subordinated Mudharabah Sukuk
Penawaran Umum Bank Muamalat Bank Muamalat 2022
Indonesia Tahun 2022
Pada Maret 2022, Bank telah menerbitkan sukuk In March 2022, the Bank issued long term
subordinasi mudharabah jangka panjang tanpa subordinated mudharabah sukuk without public
melalui penawaran umum dengan nilai nominal offering with total par value of
sebesar Rp2.000.000.000. Pembayaran Rp2,000,000,000. The initial profit-sharing
pendapatan bagi hasil pertama kali dilakukan payment was made on June 15, 2022, and the
pada tanggal 15 Juni 2022, sedangkan last profit sharing will be paid on March 15,
pembayaran pendapatan bagi hasil terakhir akan 2032. Sukuk principal will mature and be repaid
dilakukan pada tanggal 15 Maret 2032. Pokok on March 15, 2032.
sukuk akan jatuh tempo dan dilunasi pada
tanggal 15 Maret 2032.
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.
-8-

(Lanjutan) POLICIES (Continued)

(lanjutan) (continued)
Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
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
m er u pakan laporan keu an gan yan g 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.
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 specific dates.
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.
-9-


Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
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 transaction
lindung nilai syariah sederhana (‘Aqd al ('Aqd al Tahawwuth al-Basith), which is hedging
Tahawwuth al-Basith) yaitu transaksi lindung nilai transaction with a forward agreement scheme
dengan skema forward agreement yang diikuti followed by spot transaction at maturity, and
dengan transaksi spot pada saat jatuh tempo, Complex Hedging transaction (' Aqd al
serta transaksi Lindung Nilai Kompleks (‘Aqd al Tahawwuth al -Murakkab), which is a hedging
Tahawwuth al-Murakkab) yaitu transaksi lindung transaction with a scheme in the form of a series
nilai dengan skema berupa rangkaian transaksi of spot transactions and forward agreement
spot dan forward agreement yang diikuti dengan followed by spot transactions when they are
transaksi spot pada saat jatuh tempo. due.
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 (Revisi 2015), “Pengungkapan accordance with SFAS No. 7 (Revised 2015)
Pihak-pihak Berelasi”. regarding “Related Party Disclosure”.
- 10 -

b. Transaksi Pihak-Pihak Berelasi (lanjutan) b. Transactions with Related Parties

(continued)
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.
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 40 atas are presented in Note 40 to the financial
laporan keuangan. statements.
- 11 -

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 (Amandemen 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.
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.
- 12 -


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.
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.
- 13 -


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, 2022
31 Desember 2022 dan 2021. and 2021.
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.
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).
- 14 -


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.
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.2/POJK.03/2022 tanggal 31 (FSAR) No.2/POJK.03/2022 dated January 31,
Januari 2022 tentang ”Penilaian Kualitas Aset 2022 regarding “Asset Quality Ratings for Sharia
Bank Umum Syariah dan Unit Usaha Syariah” Bank and Sharia Business Unit" which became
yang berlaku efektif tanggal 1 Januari 2022. effective on January 1, 2022.
- 15 -


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 (FSAR) 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).
Kewajiban untuk membentuk penyisihan It is required to establish allowance for

kerugian aset produktif untuk akad Ijarah impairment losses for Ijarah and Ijarah
maupun Ijarah Muntahiyah Bittamlik adalah Muntahiyah Bittamlik contracts against 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”.
- 16 -


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) Kurang lancar, apabila dimiliki lebih dari b) Substandard, if acquired ranging within
1 (satu) tahun sampai dengan 3 (tiga) more than 1 (one) year until 3 (three)
tahun; years.
c) Diragukan, apabila dimiliki lebih dari c) Doubtful, if acquired ranging within more
3 (tiga) tahun sampai dengan 5 (lima) than 3 (three) years until 5 (three) years.
tahun; atau
d) Macet, apabila dimiliki lebih dari 5 (lima) d) Loss, if acquired more than 5 (five) years.
tahun.
Rekening Antar Kantor adalah akun tagihan Inter-office account is the claims arising from
yang timbul dari transaksi antar kantor yang inter-office 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-office
rekening antar kantor dan suspense account. account and suspense account.
- 17 -


Kualitas rekening antar kantor dan suspense The quality of inter-office account and suspense
account ditetapkan sebagai berikut: 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.
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.
- 18 -

f. Penempatan Pada Bank Lain (lanjutan) f. Placement with Other Banks (continued)
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), sukuk trust certificate (STC) and sharia mutual
sukuk trust certificate (STC) dan sertifikat funds certificates.
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 Sukuk”
tentang "Akuntansi Sukuk" sebagai berikut: 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 (lanjutan) g. Investments in Marketable Securities

(continued)
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 a m 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 yar 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.
- 20 -

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), jika: through profit or loss (FVTPL), if:
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
b e r t u j u a n u t am a u n t u k objective of gaining sales profit;
m e m p e r o l e h k e u n t u n gan
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 g i dan 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.
- 22 -

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.
dibentuk berdasarkan hasil penilaian oleh
manajemen terhadap kualitas pembiayaan yang
ada.
- 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 -

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 equity participation 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 -

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.
- 28 -

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 sewa 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 finaning 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. Dengan demikian, informasi komparatif SFAS No. 73. Thus, the comparative information
yang disajikan untuk tahun 2019 tidak disajikan as of 2019 is not restated as previously reported,
kembali sebagaimana dilaporkan sebelumnya, in SFAS No. 30 and the related interpretations.
pada PSAK No. 30 dan interpretasi terkait.
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.
- 30 -

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 Asset
Impairment.
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.
- 32 -

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.
- 34 -

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
mudharabah subordinasi disajikan sebesar nilai are stated at their nominal value. The issuance
nominal. Biaya-biaya yang timbul dari costs for mudharabah sukuk are amortized based
penerbitan sukuk mudharabah diamortisasi on 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 -

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).
- 38 -

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.
- 40 -

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.
- 42 -

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 tahun 2022, Bank and reported in the equity. In 2022, the Bank
menggunakan jasa penilai independen untuk engaged independent appraisal to determine the
menentukan nilai wajar aset tetap pada tanggal fair value of premises and equipment as of
31 Desember 2022. Lihat Catatan 15 untuk nilai December 31, 2022. Refer to Note 15 for the
tercatat aset tetap. 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.
- 44 -

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 ct ion a nd Ba la n c e i n 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 2022 dan As of December 31, 2022 and 2021, the
2021, 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):
2022 2021
1 Dinar Kuwait 50.874 47.110 1 Kuwaiti Dinar

1 Euro 16.582 16.112 1 Euro
1 Dolar Amerika Serikat 15.568 14.253 1 United States Dollar
1 Dolar Australia 10.558 10.347 1 Australian Dollar
1 Dolar Singapura 11.593 10.555 1 Singapore Dollar
1 Ringgit Malaysia 3.534 3.418 1 Malaysian Ringgit
1 Riyal Arab Saudi 4.139 3.796 1 Saudi Arabian Riyal
10 Yen Jepang 1.178 1.238 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, 2022, which affect the Bank’s report,
Januari 2022 yang berdampak terhadap laporan are as follows:
keuangan adalah sebagai berikut:
- Amendemen PSAK 1: “Penyajian laporan - Amendment of SFAS 1: “Presentation of

keuangan”; financial statement”
- Amendemen PSAK 16 “Aset Tetap”; - Amendment of SFAS 16 “Fixed Assets”;
- Amandemen PSAK 25: “Kebijakan akuntansi, - Amandement of SFAS 25: “Accounting
Perubahan estimasi akuntansi, dan policies, changes of accounting estimates,
kesalahan”; dan and error”; and
- Revisi PSAK 107 “Akuntansi Ijarah”. - Revision of SFAS 107 “Accounting for Ijarah”.
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 -
3. KAS 3. CASH
Akun ini terdiri dari: This account consists of:

31 Desember /December 31, 31 Desember / December 31,
2022 2021
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 683.939.851 715.766.561 Rupiah
Mata uang asing Foreign Currencies

Dolar Amerika Serikat 1.112.534 17.319.373 1.992.120 28.392.690 United States Dollar
Riyal Saudi Arabia 106.522 440.915 84.412 320.446 Saudi Arabian Riyal
Dolar Singapura 29.197 338.476 52.096 549.860 Singapore Dollar
Ringgit Malaysia 39.803 140.651 46.988 160.588 Malaysian Ringgit
18.239.415 29.423.584
Jumlah 702.179.266 745.190.145 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, 2022 and 2021
31 Desember 2022 dan 2021 masing-masing amounted to Rp63,677,700 and Rp80,019,000,
sejumlah Rp63.677.700 dan Rp80.019.000. 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:
2022 2021
Pihak ketiga Third Party

Rupiah Rupiah
Current accounts with Bank
Giro pada Bank Indonesia 6.782.527.680 3.605.221.630 Indonesia
Fasilitas Simpanan Bank Bank Indonesia Sharia Deposit
Indonesia Syariah (FASBIS) 250.000.000 1.431.000.000 Facility (FASBIS)
Giro BI FAST 127.035.586 -- BI Fast Current accounts
Transaksi Kliring Esok Hari Tomorrow Clearing Transaction
(TOM) 535.342 610.629 (TOM)
7.160.098.608 5.036.832.259
Mata uang asing Foreign currency

Dolar Amerika Serikat United States Dollar
Giro pada Bank Indonesia Current Account with Bank Indonesia
(2022 : USD2.015.225 dan (2022: USD 2,015,225 and
2021 : USD2.816.950) 31.372.015 40.148.580 2021 : USD 2,816,950)
Deposito Berjangka BI BI Term Deposit
(2022 : Nihil dan (2022 : Nil and
2021 : USD100.000.000) -- 1.425.250.000 2021: USD100,000,000)
31.372.015 1.465.398.580
Jumlah 7.191.470.623 6.502.230.839 Total
- 47 -
INDONESIA (Lanjutan) BANK INDONESIA (Continued)
b. Berdasarkan jangka waktu: b. By time period:
2022 2021
Pihak Ketiga Third parties
Rupiah Rupiah
 1 bulan 7.160.098.608 5.036.832.259  1 month
7.160.098.608 5.036.832.259

 1 bulan  1 month
(2022: USD2.015.225 dan (2022 : USD2,015,225 and
2021: USD102.816.950) 31.372.015 1.465.398.580 2021 : USD102,816,950)
Jumlah 7.191.470.623 6.502.230.839 Total
c. Berdasarkan sisa umur jatuh tempo: c. By remaining period to maturity:

2022 2021
Rupiah Rupiah
 1 bulan 7.160.098.608 5.036.832.259  1 month
7.160.098.608 5.036.832.259
 1 bulan  1 month
(2022 : USD2.015.225 dan (2022 : USD 2,015,225 and
2021 : USD102.816.950) 31.372.015 1.465.398.580 2021 : USD 102,816,950)
Jumlah 7.191.470.623 6.502.230.839 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 (GWM) ratio are as follows:
2022 2021
Fasilitas Simpanan Bank Bank Indonesia Sharia

Indonesia Syariah (FASBIS) 4,75% 2,75% Deposit Facilities (FASBIS)
Rasio rata-rata GWM (tidak Average Minimum Statutory Reserves
diaudit) : Ratio (unaudited):
Rupiah 7,50% 3,00% Rupiah
Mata uang asing 1,84% 1,15% Foreign currencies
Rasio GWM pada tanggal-tanggal 31 Desember The GWM ratio as of December 31, 2022 and 2021 is
2022 dan 2021 dihitung berdasarkan Peraturan calculated based on Bank Indonesia Regulation (PBI)
Bank Indonesia (PBI) No. 22/10/PADG/2020 No. 22/10/PADG/2020 dated April 30, 2020
tanggal 30 April 2020 tentang "Giro Wajib concerning "Minimum Statutory Reserves in Rupiah
Minimum Dalam Rupiah dan Valuta Asing Bagi and Foreign Currencies for Conventional Commercial
Bank Umum Konvensional, Bank Umum Syariah, Banks, Sharia Commercial Banks and Sharia Business
dan Unit Syariah" yang mulai berlaku sejak tanggal Units" came into force on May 1, 2020, and regulates
1 Mei 2020 yang mana mewajibkan setiap Bank that each Bank is required to maintain a Statutory
untuk memelihara GWM dalam Rupiah dan valuta Reserves (GWM) in Rupiah and foreign exchange, the
asing yang besarnya ditetapkan sebesar 3,5% dan amount of which is set at 3.5% and 1% of third party
1% dari dana pihak ketiga (DPK) dalam Rupiah funds (DPK) in Rupiah and foreign exchange.
dan valuta asing.
- 48 -
INDONESIA (Lanjutan) BANK INDONESIA (Continued)
Berdasarkan Peraturan Anggota Dewan Gubernur Based on regulation of Members of the Board of
No.22/4/PADG/2020 Tentang Pelaksanaan Peraturan Governors No.22/4/PADG/2020 Regarding the
Bank Indonesia No. 22/4/PBI/2020 Tentang Insentif Implementation of Bank Indonesia Regulation
Bagi Bank Yang Memberikan Penyediaan Dana Untuk No.22/4/PBI/2020 Regarding Incentives for Banks
Kegiatan Ekonomi Tertentu Guna Mendukung Providing Funds for Certain Economic Activities to
Penanganan Dampak Perekonomian Akibat Wabah Support the Handling of the Economic Impacts of the
Virus Corona. Besaran insentif kelonggaran atas Corona Virus Outbreak. The amount of allowance
kewajiban pemenuhan GWM dalam Rupiah yang wajib incentives for the fulfillment of Statutory Reserves in
dipenuhi secara harian ditetapkan sebesar 0,5%. Rupiah which must be fulfilled daily is set at 0.5%.
Selain ketentuan di atas, berdasarkan Peraturan Bank In addition, based on Bank Indonesia Regulation
Indonesia (PBI) No. 23/07/PADG/2021 yang berlaku (PBI) No. 23/07/PADG/2021 which is effective from
sejak 1 Mei 2021, terdapat perubahan perhitungan May 1, 2021, there are changes in the calculation of
GWM dari Financing to Deposit Ratio (FDR) menjadi GWM from Financing to Deposit Ratios (FDR) to the
Rasio Intermediasi Makroprudensial (RIM). Bank Macroprudential Intermediation Ratio (RIM). Banks
harus memelihara tambahan GWM jika RIM Bank must pay additional Statutory Reserves if the Bank's
kurang dari batas bawah 84% atau melebihi batas RIM is less than the lower limit of 84% or exceeds
atas target BI sebesar 94%. the upper limit of the BI target of 94%.
Saldo giro pada Bank Indonesia disediakan untuk The balance of current accounts with Bank Indonesia
memenuhi persyaratan Giro Wajib Minimum (GWM) is maintained to meet the Minimum Statutory
dari OJK. Reserves (GWM) Requirement of OJK.
Pada tanggal 31 Desember 2022 dan 2021, Bank As of December 31, 2022 and 2021, the Bank has
telah memenuhi Giro Wajib Minimum sesuai dengan complied with the Minimum Statutory Reserves
ketentuan OJK. Requirement under the OJK regulation.
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 31,

2022 2021
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 62.540.081 60.125.024 Rupiah
Mata uang asing Foreign currencies

Dolar Amerika Serikat 21.492.161 334.579.213 22.303.766 317.884.432 United States Dollar
Dolar Singapura 411.153 4.766.449 220.178 2.323.901 Singapore Dollar
Ringgit Malaysia 31.713.364 112.064.247 3.695.658 12.630.540 Malaysian Ringgit
Euro 198.723 3.295.166 113.632 1.830.894 Euro
Riyal Arab Saudi 676.985 2.802.171 546.563 2.074.866 Saudi Arabian Riyal
Dinar Kuwait 10.000 508.742 10.000 471.096 Kuwaiti Dinar
Yen Jepang 3.380.566 398.264 1.372.253 169.844 Japanese Yen
458.414.252 337.385.573
Jumlah 520.954.333 397.510.597 Total

Cadangan kerugian penuruan nilai -- -- Allowance for impairment losses
Bersih 520.954.333 397.510.597 Net
- 49 -

(Lanjutan) (Continued)
b. Berdasarkan jenis dan bank: b. By type and bank:
31 Desember / December 31, 2022

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 2.307.683 PT BPD Jatim - SBU
PT BPD Sulselbar - UUS 2.800 PT BPD Sulselbar - SBU
PT BPD Jateng - UUS 794.839 PT BPD Jateng - SBU
PT Bank Syariah Indonesia 4.070.315 PT Bank Syariah Indonesia
PT Bank Aceh Syariah 3.498.384 PT Bank Aceh Syariah
Bank Umum Konvensional Conventional Bank

PT Bank Central Asia Tbk 50.263.382 PT Bank Central Asia Tbk
PT BPD Papua 9.665 PT BPD Papua
PT BPD Sumbar 32.186 PT BPD Sumbar
PT Bank Mandiri (Persero) Tbk 417.057 PT Bank Mandiri (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 160.175 (Persero) Tbk
Standard Chartered Bank Standard Chartered Bank
Indonesia 657.515 Indonesia
PT BPD Bengkulu 100.974 PT BPD Bengkulu
PT BPD Sumsel Babel -- PT BPD Sumsel Babel
PT BPD Lampung 35.709 PT BPD Lampung
PT BPD Jambi 5.257 PT BPD Jambi
Lain-lain (di bawah Rp10.000) 184.140 Others (below Rp10,000)
62.540.081
Malayan Banking Berhad 866.754 3.062.814 Malayan Banking Berhad
Bank Islam Malaysia Berhad 212.603 751.266 Bank Islam Malaysia Berhad
Bank Muamalat Malaysia Berhad 18.057 63.809 Bank Muamalat Malaysia Berhad
Giro pada UUS 489.270 7.616.708 Current accounts with SBU
11.494.597
Citibank NA, cabang New York 19.143.789 298.020.942 Citibank NA, New York Branch
PT Bank BRI cabang New York 108.300 1.685.960 PT Bank BRI New York Agency
PT Bank Central Asia Tbk 390.058 6.072.224 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 1.325.121 20.628.823 PT Bank Mandiri (Persero) Tbk
Indonesia 198.723 3.295.166 Indonesia
The Development Bank of The Development Bank of Singapore
Singapore Limited 411.153 4.766.449 Limited
Bank Kerjasama Rakyat Bank Kerjasama Rakyat
Malaysia Berhad 30.612.014 108.172.450 Malaysia Berhad
The National Commercial Bank 478.879 1.982.170 The National Commercial Bank
Al-Rajhi Banking & Investment Al-Rajhi Banking & Investment
(SAR) 198.107 820.001 (SAR)
Bank Boubyan, Kuwait 10.000 508.742 Boubyan Bank, Kuwait
Citibank NA, Cabang Indonesia 91 1.410 Citibank NA, Indonesia Branch
Al-Rajhi Banking & Investment Al-Rajhi Banking &
(MYR) 3.936 13.908 Investment (MYR)
Tokyo (Persero) Tbk 3.380.566 398.264 Tokyo (Persero) Tbk
PT Kookmin Bank 35.532 553.146 PT Kookmin Bank
458.414.252
Jumlah 520.954.333 Total
Cadangan kerugian penurunan nilai -- Allowance for impairment losses
Bersih 520.954.333 Net
- 50 -

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 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

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
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)
Tokyo (Persero) Tbk 1.372.253 169.844 Tokyo (Persero) Tbk
PT Kookmin Bank 10.325 147.157 PT Kookmin Bank
337.385.573
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 2022 dan 2021 tingkat As of December 31, 2022 and 2021, the average
pengembalian (bonus dan bunga) rata-rata dari return (bonus and interest) of current accounts
giro pada bank lain adalah sebesar 0,02% dan with other banks is 0.02% and 0.01%.
0,01%.
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.
Pada tanggal-tanggal 31 Desember 2022 dan 2021 As of December 31, 2022 and 2021, all current
seluruh giro pada bank lain diklasifikasikan “Lancar”. accounts with other banks are classified as “Current”.
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 2022 dan 2021. 2022 and 2021.
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 2022 dan 2021 December 31, 2022 and 2021 amounted to
masing-masing adalah sebesar Rp1.274.937 dan Rp1,274,937 and Rp637,176 respectively, which is
Rp637.176 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 2022 dan 2021. collateral as of December 31, 2022 and 2021.
- 52 -
6. PENEMPATAN PADA BANK LAIN 6. PLACEMENTS WITH OTHER BANKS
a. Berdasarkan jenis: a. By type:
2022 2021
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
(2022 : USD150.000 dan (2022 : USD150,000 and
2021 : USD150.000) 2.335.125 2.137.875 2021: USD150,000)
Investasi wakalah Wakalah investment
BIMB Malaysia BIMB Malaysia
(2022: MYR11.000.000 dan (2022: MYR11,000,000 and
2021: Nihil) 38.870.260 -- 2021: Nil)
41.205.385 2.137.875
Jumlah 43.155.448 4.087.938 Total
Cadangan kerugian Allowance for impairment
penurunan nilai (418.830) (418.830) losses
Bersih 42.736.618 3.669.108 Net
b. Berdasarkan jangka waktu: b. By maturity:
2022 2021
Rupiah Rupiah
 1 -  3 bulan 468.830 498.830  1 -  3 months
> 3 -  12 bulan 1.481.233 1.451.233 > 3 -  12 months
1.950.063 1.950.063
 1 -  3 bulan 38.870.260 --  1 -  3 months
> 3 -  12 bulan 2.335.125 2.137.875 > 3 -  12 months
41.205.385 2.137.875
Jumlah 43.155.448 4.087.938 Total
Bersih 42.736.618 3.669.108 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
2022 2021
Rupiah Rupiah
 1 bulan 1.531.233 1.900.063  1 month
> 1 -  3 bulan -- 50.000 > 1 -  3 months
> 3 -  12 bulan 418.830 -- > 3 -  12 months
1.950.063 1.950.063
 1 -  3 bulan 38.870.260 --  1 -  3 month
> 3 -  12 bulan 2.335.125 2.137.875 > 3 -  12 months
41.205.385 2.137.875
Jumlah 43.155.448 4.087.938 Total
Bersih 42.736.618 3.669.108 Net
d. Berdasarkan kolektibilitas: d. By collectibility:
2022 2021
Lancar 42.736.618 3.669.108 Current
Macet 418.830 418.830 Loss
Jumlah 43.155.448 4.087.938 Total
Bersih 42.736.618 3.669.108 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:
2022 2021
Saldo awal tahun 418.830 587.273 Balance at the beginning of the year
Pembentukan (pembalikan) Provision (Reversal)
selama tahun berjalan during the year
(Catatan 35) -- (168.443) (Note 35)
Saldo akhir tahun 418.830 418.830 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 as of
pada tanggal 31 Desember 2022 dan 2021 telah December 31, 2022 and 2021 is adequate.
memadai.
Pada tanggal 31 Desember 2022 dan 2021, tidak ada As of December 31, 2022 and 2021, there are no
penempatan pada bank lain yang digunakan sebagai placements with other banks used as collateral.
agunan.
- 54 -
6. PENEMPATAN PADA BANK LAIN (Lanjutan) 6. PLACEMENTS WITH OTHER BANKS (Continued)
Rata-rata tingkat imbal hasil adalah sebagai berikut: The annual average return ratio is as follows:
2022 2021
Deposito berjangka mudharabah IDR 5,55% 5,29% IDR Mudharabah time deposit
Deposito berjangka mudharabah USD 0,66% 0,31% USD Mudharabah time deposit
7. INVESTASI PADA SURAT BERHARGA 7. INVESTMENT IN MARKETABLE SECURITIES
a. Berdasarkan tujuan, mata uang dan jenis: a. By purpose, currency and type:
2022 2021
Diukur pada nilai wajar Fair value through

melalui laba rugi profit or loss
Pihak Ketiga Third Parties
Rupiah Rupiah
Sukuk Pemerintah 15.597.629 21.107.546 Government Sukuk
Diukur pada biaya Measured at acquisition

perolehan cost
Rupiah Rupiah
Sukuk korporasi 21.081.069.000 21.140.073.300 Corporate sukuk
Sukuk pemerintah 6.262.449.608 5.774.779.665 Government sukuk
27.343.518.608 26.914.852.965

Sukuk pemerintah 496.261.075 -- Government sukuk
496.261.075 --
Jumlah 27.855.377.312 26.935.960.511 Total

penurunan nilai -- (9.975.000) losses
Bersih 27.855.377.312 26.925.985.511 Net
b. Berdasarkan kolektibilitas b. By collectibility
Bank melakukan penilaian atas penurunan nilai surat The Bank assessed the marketable securities
berharga secara individual dengan adanya bukti individually for impairment based on whether an
objektif penurunan nilai. objective evidence of impairment exists.
- 55 -

c. Berdasarkan sisa umur jatuh tempo c. By remaining period to maturity
Klasifikasi jangka waktu surat berharga berdasarkan The classification of marketable securities by the
sisa umur sampai dengan saat jatuh tempo adalah remaining period to maturity is as follows:
sebagai berikut:
2022 2021
Rupiah Rupiah
 2 tahun 804.921.307 1.742.387.632  2 years
> 2 -  5 tahun 623.537.656 788.099.092 > 2 -  5 years
> 5 tahun 26.426.918.350 24.405.473.787 > 5 years
Jumlah 27.855.377.312 26.935.960.511 Total
penurunan nilai -- (9.975.000) losses
Bersih 27.855.377.312 26.925.985.511 Net
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 dalam the Republic of Indonesia in connection with the
rangka pengelolaan portofolio surat utang negara. management of Government bonds portfolio.
Tingkat bagi hasil
rata-rata per
tahun/ 31 Desember / December 31,
Average annual
revenue sharing Tanggal jatuh tempo/
Seri/Series rate Maturity date 2022 2021
Diukur pada nilai wajar

melalui laba rugi/ Fair
value through profit or loss
Rupiah
Seri SR 011 8,05 10 Maret 2022/ March 10, 2022 -- 3.448.369
Seri SR 012 6,30 10 Maret 2023/ March 10, 2023 3.883.674 255.582
Seri SR 013 6,05 10 September 2023/ September 10, 2023 2.891.983 2.311.110
Seri SR 016 5,10 10 September 2024/ September 10, 2024 1.509.250 --
Seri SR 017 5,10 10 September 2025/ September 10, 2025 19.865 --
PBS 002 5,45 15 Januari 2022/ January 15, 2022 -- 949.067
PBS 004 6,10 15 Februari 2037/ February 15, 2037 21.714 1.680.581
PBS 019 8,25 15 September 2023/ September 15, 2023 417.688 440.319
PBS 029 8,25 15 Maret 2034/ March 15, 2034 -- 3.124.530
PBS033 6,50 15 Juni 2037/ June 15, 2037 468.625 --
PBS034 6,50 15 Juni 2039/ June 15, 2039 189.053 --
15.597.629 21.107.546
- 56 -

d. Berdasarkan jenis dan penerbit (lanjutan) d. By type and issuer (continued)
1) Sukuk Pemerintah (lanjutan) 1) Government Sukuk (coninued)
Tingkat bagi hasil

rata-rata per
tahun/ 31 Desember / December 31,
Average annual
revenue sharing Tanggal jatuh tempo/
Seri/Series rate Maturity date 2022 2021
Diukur pada biaya
perolehan/
Measured at acquisition
cost
Rupiah
Seri IFR 006 10,25% 15 Maret 2030/ March 15, 2030 346.627.987 353.110.988
Seri IFR 007 10,25% 15 Januari 2030/ January 15, 2030 19.938.537 20.397.740
Seri IFR 0010 10,00% 15 Februari 2036/ February 15, 2036 408.980.015 414.566.176
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 237.843.205 348.751.842
Seri PBS 004 6,10% 15 Pebruari 2037/ February 15, 2037 1.082.284.381 1.080.555.684
Seri PBS 005 6,75% 15 April 2043/ April 15, 2043 261.228.571 305.580.575
Seri PBS 012 8,88% 15 November 2031/ November 15, 2031 1.174.982.991 367.585.366
Seri PBS 015 8,00% 15 Juli 2047/ July 15, 2047 21.996.056 --
Seri PBS 017 6,13% 15 Oktober 2025/ October 15, 2025 11.386.953 247.632.448
Seri PBS 021 8,50% 15 November 2026/ November 15, 2026 94.093.883 214.471.214
Seri PBS 022 8,62% 15 April 2034/ April 15, 2034 118.040.665 244.580.091
Seri PBS 025 8,38% 15 Mei 2023/ May 15, 2023 637.913.035 495.389.007
Seri PBS 027 6,50% 15 Mei 2023/ May 15, 2023 11.532.186 --
Seri PBS 029 6,38% 15 Maret 2034/ March 15, 2034 995.796.310 --
Seri PBS 033 6,75% 15 Juni 2047/ June 15, 2047 84.304.833 --
Seri SR 011 3,78% 10 Maret 2022/ March 10, 2022 -- 15.230.103
Seri SR 016 4,95% 10 Maret 2025/ March 10, 2025 5.000.000 --
Seri SR 017 5,90% 10 September 2025/ September10, 2025 500.000 --
SUKBI040123007 5,50% 4 Januari 2023/ January 4, 2023 200.000.000 --
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
6.262.449.608 5.774.779.665
Dolar Amerika Serikat/
United States Dollar
Seri INDOIS 25 4,33% 28 Mei 2025/ 28 May, 2025 127.294.956 --
Seri INDOIS 27 4,15% 29 Maret 2027/ 29 March, 2027 125.951.006 --
Seri INDOIS 31 2,55% 9 Juni, 2031/ June 9, 2031 243.015.114 --
496.261.075 --
2) Sukuk Korporasi 2) Corporate Sukuk
Tingkat bagi
hasil rata-rata
per tahun/
31 Desember / December 31,
Average
annual Tanggal jatuh Peringkat/
revenue tempo/ Rating
Seri/Series sharing rate Maturity date 2022 2021
Diukur pada biaya
perolehan/ Measured at
acquisition cost
15 November 2041/
Sukuk PT PPA -- November 15, 2041 idAA 13.051.069.000 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
Sukuk Sampoerna Agro Tbk 17 Maret 2024/
Tahun 2021 8,63% March 17, 2024 idA-(sy) 30.000.000 30.000.000
Sukuk Sumberdaya 31 Maret 2024/
Sewatama I Tahun 2012 Seri A 9,60% March 31, 2024 idCCC(sy) -- 9.975.000
21.081.069.000 21.140.073.300
Jumlah / Total 27.855.377.312 26.935.960.511
- 57 -

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:
2022 2021
Saldo awal 9.975.000 14.975.000 Beginning balance

Penyisihan (pembalikan) dalam Provision (reversal) during the year
tahun berjalan (Catatan 35) (9.975.000) -- (Note 35)
Penghapusbukuan -- (5.000.000) Write off
Saldo akhir -- 9.975.000 Ending balance
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.
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:
2022 2021
Saldo Awal 2.003.172 (126.840) Beginning balance

Perubahan nilai investasi Change in value of
pada surat berharga - neto (3.467.724) 2.130.012 investments in securities - net
Saldo Akhir (1.464.552) 2.003.172 Ending balance
g) Informasi penting lainnya: g) Other significant information is as follows:
Pada tanggal 9 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 conducted asset management transactions/ asset
transaksi pengelolaan aset/asset sale dengan sale with PT Perusahaan Pengelola Aset ("PPA")
PT Perusahan Pengelola Aset ("PPA") dan and strengthening the capital structure by the
penguatan struktur permodalan oleh Badan Hajj 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 sale) which was carried out on November 15,
(asset sale) yang telah dilaksanakan pada tanggal 2021. The transaction consists of:
15 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 issued
dan by PPA; and
3. Penerbitan Sukuk oleh Bank Muamalat. 3. I s s u an ce o f S u ku k s ecu r ities by Ban k
Muamalat.
- 58 -

g) Informasi penting lainnya: (lanjutan) g) Other significant information is as follows:

(continued)
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, 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,
dibeli tersebut merupakan sukuk yang diterbitkan which were issued by PT PPA, are sukuk with a
oleh PT PPA dengan jangka waktu 20 (dua puluh) period of 20 (twenty) years.
tahun.
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 26). The
catatan 26). 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).
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.
- 59 -

g) Informasi penting lainnya: (lanjutan) g) Other significant information is as follows:

(continued)
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 26). Sukuk Limited (see note 26). 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).
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 Dolar US Dollar = Rp14,163). The securities are under
AS =Rp14.163). Surat berharga tersebut dengan the name Najah Sukuk 2018-001 Trust
nama Najah Sukuk 2018-001 Trust Certificate. Certificate. The securities are in the form of
Portofolio dari Najah Sukuk 2018-001 Trust sukuk consisting of Government Securities with
Certificate terdiri dari Surat Berharga Negara an average period of 20 (twenty) years.
Indonesia dengan jangka waktu rata-rata 20
(dua puluh) tahun.
Seluruh investasi pada surat berharga pada All investments in securities as of December 31,
tanggal 31 Desember 2022 dikelompokkan lancar 2022 are classified as current and as of
sedangkan pada tanggal 31 Desember 2021 December 31, 2021 are classified as current
dikelompokkan lancar kecuali investasi surat except 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.
- 60 -
8. PIUTANG 8. RECEIVABLES
a. Berdasarkan jenis, mata uang dan kolektibilitas: a. By type, currencies and collectibility:
2022 2021
Murabahah Murabahah
Rupiah Rupiah
Lancar 4.586.524.672 5.242.047.307 Current
Dalam perhatian khusus 1.329.100.606 1.630.160.719 Special Mention
Kurang lancar 9.753.044 11.885.065 Substandard
Diragukan 12.453.534 646.192 Doubtful
Macet 262.493.285 26.616.110 Loss
6.200.325.141 6.911.355.393

Lancar 272.529.450 639.410.603 Current
Dalam perhatian khusus 222.298.124 149.879.519 Special Mention
494.827.574 789.290.122
Jumlah 6.695.152.715 7.700.645.515 Total
penurunan nilai (310.980.496) (222.268.268) losses
Bersih - Murabahah 6.384.172.219 7.478.377.247 Net - Murabahah
Istishna Istishna
Rupiah Rupiah
Lancar 1.331.762 1.702.215 Current

Lancar -- -- Current
Jumlah 1.331.762 1.702.215 Total
Bersih - Istishna 1.315.370 1.671.452 Net - Istishna
Piutang Ijarah Ijarah receivables

Rupiah Rupiah
Macet 1.064.955 1.096.729 Loss

Macet -- -- Loss
Jumlah 1.064.955 1.096.729 Total
Bersih - Ijarah -- -- Net - Ijarah
Jumlah 6.697.549.432 7.703.444.459 Total

Bersih 6.385.487.589 7.480.048.699 Net
- 61 -
8. PIUTANG (Lanjutan) 8. RECEIVABLES (Continued)
b. Berdasarkan sektor ekonomi: b. By economic sector:
2022 2021
Industri 1.278.696.469 1.275.415.566 Manufacturing
Sosial/masyarakat 1.160.461.674 1.058.124.678 Social/public
Perdagangan 742.843.810 895.427.873 Trading
Pengangkutan 454.719.603 384.408.027 Transportation
Listrik, gas dan air 417.270.698 519.676.120 Electricity, gas and water
Pertanian 321.097.277 458.804.754 Agriculture
Konstruksi 274.604.179 389.179.862 Construction
Jasa usaha 187.507.291 285.320.577 Business services
Pertambangan 39.619.183 35.852.457 Mining
Lainnya 1.817.794.810 2.398.233.093 Others
6.694.614.994 7.700.443.007
Pihak berelasi (Catatan 40) Related parties (Note 40)
Lainnya 2.934.438 3.001.452 Others
2.934.438 3.001.452
Jumlah 6.697.549.432 7.703.444.459 Total

Bersih 6.385.487.589 7.480.048.699 Net
c. Berdasarkan jangka waktu: c. By maturity:
2022 2021
Rupiah Rupiah
 1 tahun 1.782.310.351 2.442.911.318  1 year
> 1 -  2 tahun 404.140.499 489.097.526 > 1 -  2 years
> 2 -  5 tahun 1.044.457.112 1.298.213.833 > 2 -  5 years
> 5 tahun 3.463.707.032 3.470.220.330 > 5 years
6.694.614.994 7.700.443.007
> 1 -  2 tahun 29.883 -- > 1 -  2 years
> 2 -  5 tahun 795.912 323.374 > 2 -  5 years
> 5 tahun 2.108.643 2.678.078 > 5 years
2.934.438 3.001.452
Jumlah 6.697.549.432 7.703.444.459 Total

Bersih 6.385.487.589 7.480.048.699 Net
- 62 -
d. Berdasarkan sisa umur jatuh tempo: d. By remaining period to maturity:
2022 2021
Rupiah Rupiah
 1 tahun 2.485.012.809 3.263.283.122  1 year
> 1 -  2 tahun 427.164.967 505.733.387 > 1 -  2 years
> 2 -  5 tahun 1.848.964.815 2.138.771.383 > 2 -  5 years
> 5 tahun 1.933.472.403 1.792.655.115 > 5 years
6.694.614.994 7.700.443.007
Rupiah Rupiah
 1 tahun 72.274 45.712  1 year
> 1 -  2 tahun 198.852 209.668 > 1 -  2 years
> 2 -  5 tahun 2.545.202 2.286.127 > 2 -  5 years
> 5 tahun 118.110 459.945 > 5 years
2.934.438 3.001.452
Jumlah 6.697.549.432 7.703.444.459 Total

Bersih 6.385.487.589 7.480.048.699 Net
e. Berdasarkan keterkaitan: e. By relationship:
2022 2021

Karyawan Kunci 2.934.438 3.001.452 Key Employees
2.934.438 3.001.452
Jumlah 6.697.549.432 7.703.444.459 Total

Bersih 6.385.487.589 7.480.048.699 Net
f. Tingkat margin rata-rata per tahun: f. Average profit margin rates per annum:
2022 2021

Dolar Amerika Serikat 6,03% 4,09% United States Dollar
- 63 -
g. Rincian piutang bermasalah menurut sektor g. Non-performing receivables by economic sector

ekonomi adalah sebagai berikut: are as follows:
2022 2021
Pengangkutan 226.192.000 -- Transportation

Industri 17.887.507 -- Manufacturing
Jasa Usaha 9.440.000 10.031 Business Services
Pertanian 6.977.122 40.264 Agriculture
Sosial/masyarakat 1.378.615 10.641.027 Social/public
Perdagangan 323.004 -- Trading
Konstruksi -- 20.045.217 Construction
Lainnya 23.582.355 9.507.559 Others
Jumlah 285.780.603 40.244.098 Total
Cadangan kerugian Allowance for
penurunan nilai (196.797.718) (28.684.733) impairment losses
Bersih 88.982.885 11.559.365 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 carried out on November 15, 2021, one of which,
tanggal 15 November 2021 salah satunya berupa were 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 r eceivables sold and trans 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.
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.
- 64 -
h. Informasi penting lainnya: (lanjutan) h. Other significant information is as follows:

(continued)
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 2022 dan 2021 Bank as of December 31, 2022 and 2021
masing-masing adalah sebesar Rp2.247.186.256 amounted to Rp2,247,186,256 and
dan Rp5.698.198.620. Skema restrukturisasi Rp5,698,198,620, 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 Rp173.079.872 dan Rp176.014.880 Rp173,079,872 and Rp176,014,880, as of
masing-masing pada tanggal 31 Desember 2022 December 31, 2022 and 2021, respectively. The
dan 2021. 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
pada tanggal 31 Desember 2022 dan 2021, December 31, 2022 and 2021. The Bank’s
sedangkan sebagai anggota sindikasi berkisar participation as a member in the syndicated
8,36% sampai dengan 20,08% masing-masing receivables is 8.36% to 20.08% as of
pada tanggal 31 Desember 2022 dan 2021. December 31, 2022 and 2021, respectively.
Dalam laporan Batas Maksimum Pemberian Kredit In its report on Legal Lending Limit (LLL) to FSA as
(BMPK) per tanggal-tanggal 31 Desember 2022 of December 31, 2022 and 2021, the Bank
dan 2021 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 26) or other
deposito mudharabah (catatan 26) atau jaminan collaterals generally accepted by the Bank.
lain yang umumnya dapat diterima oleh Bank.
Tabel Non-Performing Financing (NPF) bruto dan The table of total gross and net Non-Performing
neto atas jumlah piutang adalah sebagai berikut: Financing (NPF) on receivables is as follows:
2022 2021
NPF - bruto 285.780.603 40.244.098 NPF - gross

Persentase NPF - bruto 4,27% 0,52% Percentage of NPF - gross
NPF - neto 88.982.885 11.559.365 NPF - net

Persentase NPF - neto 1,33% 0,15% Percentage of NPF - net
- 65 -

(continued)
Perubahan cadangan kerugian penurunan nilai Changes in allowance for impairment losses on
piutang adalah sebagai berikut: receivables are as follows:
2022 2021
Saldo awal tahun 223.395.760 356.001.888 Balance at the beginning of the year
Penyisihan (pembalikan) Provision (reversal)
tahun berjalan (Catatan 35) 78.856.065 (134.950.075) during the year (Note 35)
Penerimaan piutang yang Recovery of
telah dihapusbukukan 11.637.717 2.407.089 written-off receivables
Selisih kurs penjabaran (1.827.699) (63.142) Exchange rate differences
Saldo akhir tahun 312.061.843 223.395.760 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:
2022 2021
Rupiah Rupiah
Lancar 584.017.195 424.866.399 Current
Dalam perhatian khusus 61.655.296 136.045.498 Special Mention
Kurang lancar 1.554.888 22.558 Substandard
Diragukan 187.958 -- Doubtful
Macet 77.530.154 -- Loss
724.945.491 560.934.455
Mata uang asing Foreign Currency
Lancar 140.032.780 128.234.871 Current
Jumlah 864.978.271 689.169.326 Total

Bersih 833.248.617 672.165.061 Net
- 66 -
9. PINJAMAN QARDH (Lanjutan) 9. FUNDS OF QARDH (Continued)
2022 2021

Industri 54.426.763 55.083.665 Manufacturing
Sosial/masyarakat -- 14.000.000 Social/public
Lainnya 264.066.876 264.322.597 Others
864.606.057 689.035.366

Lainnya 372.214 133.960 Others
372.214 133.960
Jumlah 864.978.271 689.169.326 Total

Bersih 833.248.617 672.165.061 Net
2022 2021

Rupiah Rupiah
 1 tahun 503.326.883 545.487.839  1 year
> 1 -  2 tahun 44.708.150 13.302.235 > 1 -  2 years
> 2 -  5 tahun 268.760.200 81.599.505 > 2 -  5 years
> 5 tahun 47.810.824 48.645.787 > 5 years
864.606.057 689.035.366

> 2 -  5 tahun 105.511 133.960 > 2 -  5 years
> 5 tahun 266.703 -- > 5 year
372.214 133.960
Jumlah 864.978.271 689.169.326 Total

Bersih 833.248.617 672.165.061 Net
- 67 -
2022 2021

Rupiah Rupiah
 1 tahun 557.093.332 559.609.852  1 year
> 1 -  2 tahun 43.534.180 19.832.719 > 1 -  2 years
> 2 -  5 tahun 215.901.017 60.853.790 > 2 -  5 years
> 5 tahun 48.077.528 48.739.005 > 5 years
864.606.057 689.035.366

 1 tahun 8.609 --  1 Year
> 1 -  2 tahun 34.542 16.986 > 1 -  2 years
> 2 -  5 tahun 329.063 116.974 > 2 -  5 years
372.214 133.960
Jumlah 864.978.271 689.169.326 Total

Bersih 833.248.617 672.165.061 Net
2022 2021

Karyawan kunci 372.214 133.960 Key employees
Jumlah 864.978.271 689.169.326 Total
Bersih 833.248.617 672.165.061 Net
f. Rincian pinjaman qardh bermasalah menurut f. Non-performing funds of qardh by economic

sektor ekonomi adalah sebagai berikut: sector are as follows:
2022 2021
Perdagangan 77.447.500 -- Trading

Lainnya 1.825.500 22.558 Others
Jumlah 79.273.000 22.558 Total
penurunan nilai (20.469.528) (3.384) losses
Bersih 58.803.472 19.174 Net
- 68 -
g. Informasi penting lainnya: g. Other significant information is as follows:
neto atas jumlah pinjaman qardh adalah sebagai Financing (NPF) on funds of qardh is as follows:
berikut:
2022 2021
NPF - bruto 79.273.000 22.558 NPF - gross

NPF - netto 58.803.472 19.174 NPF - net

Persentase NPF - netto 6,80% 0,00% Percentage of NPF - net
pinjaman qardh adalah sebagai berikut: funds of qardh are as follows:
2022 2021
tahun berjalan (Catatan 35) 14.420.869 2.076.804 during the year (Note 35)
Penerimaan pinjaman Recovery of
yang telah dihapusbukukan 100.468 -- written-off
Selisih Kurs Penjabaran 204.052 31.548 Exchange rate differences
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale
Transaksi asset sale telah dilaksanakan pada transactions carried out on November 15, 2021,
tanggal 15 November 2021 salah satunya berupa one of which, were in the form of sales of funds
penjualan pinjaman qardh. Dalam rangka of qardh. In the context of restructuring the
penyehatan Bank, selanjutnya atas kumpulan Bank, the collection of portfolio claims that have
tagihan portofolio yang telah diverifikasi dan been verified and meeting the eligibility criteria
memenuhi kriteria pemilihan untuk dijual dan to be sold and transferred by the Bank as the
dialihkan oleh Bank sebagai Kreditur Awal, telah Initial Creditor were then sold and transferred to
dijual dan dialihkan ke PT AMC Indonesia Sukses PT AMC Indonesia Sukses as the buyer as stated
selaku pembeli yang tertuang dalam Perjanjian 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
yang terdiri dari 12 nasabah dengan harga 12 debtors at a price equal to the principal
sebesar nilai pokok pinjaman qardh pada tanggal amount 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.
- 69 -
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
yang terdiri dari 719 nasabah dengan harga 719 debtors at a price equal to the principal
sebesar nilai pokok pinjaman qardh pada tanggal amount of funds of qardh on the final cut off date
cut off final (29 Juni 2018). Setelah terjadinya (June 29, 2018). Upon the sale and transfer of
penjualan dan pengalihan pinjaman qardh the funds of qardh, the risk is transferred from
tersebut, risiko telah beralih dari Bank kepada the 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 2022 Indonesia as of December 31, 2022 and 2021,
dan 2021 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 2022 dan the Bank as of December 31, 2022 and 2021,
2021 masing-masing adalah sebesar Rp99.000.000 amounted to Rp99,000,000 and Rp405,836,863,
dan Rp405.836.863. Skema restrukturisasi respectively. Restructuring scheme generally
umumnya dilakukan dengan perpanjangan masa involves extension of the funds maturity date and
pelunasan pinjaman dan penjadwalan kembali rescheduling of overdue payment.
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.
10. PEMBIAYAAN MUDHARABAH 10. MUDHARABAH FINANCING
a. Berdasarkan jenis kolektibilitas dan mata uang: a. By collectibility and currencies:
2022 2021
Rupiah Rupiah
Lancar 560.830.002 524.595.975 Current
Dalam perhatian khusus 1.051.170 1.543.994 Special mention
Macet 2.177.795 -- Loss
Jumlah 564.058.967 526.139.969 Total
Bersih 557.043.893 517.034.516 Net
- 70 -
10. PEMBIAYAAN MUDHARABAH (Lanjutan) 10. MUDHARABAH FINANCING (Continued)
2022 2021
Sosial/masyarakat 336.018 1.842.358 Social/public
Konstruksi 201.624 -- Construction
Lainnya 32.868.345 211.160.512 Others
Jumlah 564.058.967 526.139.969 Total
Bersih 557.043.893 517.034.516 Net

2022 2021
Rupiah Rupiah
 1 tahun 92.178.707 57.007.239  1 year
> 1 -  2 tahun 240.433.383 337.888.664 > 1 -  2 years
> 2 -  5 tahun 131.238.686 75.747.534 > 2 -  5 years
> 5 tahun 100.208.191 55.496.532 > 5 years
Jumlah 564.058.967 526.139.969 Total
Bersih 557.043.893 517.034.516 Net
2022 2021
 1 tahun 346.516.507 384.194.970  1 year
> 1 -  2 tahun 74.794.152 10.700.933 > 1 -  2 years
> 2 -  5 tahun 82.628.541 67.049.423 > 2 -  5 years
> 5 tahun 60.119.767 64.194.643 > 5 years
Jumlah 564.058.967 526.139.969 Total
Bersih 557.043.893 517.034.516 Net
2022 2021

Pihak berelasi (Catatan 40) -- -- Related parties (Note 40)
Jumlah 564.058.967 526.139.969 Total
Bersih 557.043.893 517.034.516 Net
- 71 -
f. Rincian pembiayaan mudharabah bermasalah f. Non-performing mudharabah financing by

menurut sektor ekonomi adalah sebagai berikut: economic sector is as follows:
2022 2021
Jasa usaha 2.177.795 -- Business services

Jumlah 2.177.795 -- Total
penurunan nilai (710.288) -- losses
Bersih 1.467.507 -- Net
g. Tingkat bagi hasil rata-rata per tahun: g. Average revenue sharing rates per annum:
2022 2021
Jumlah pembiayaan yang telah direstrukturisasi Financing that has been restructured by Bank as
Bank pada tanggal 31 Desember 2022 dan 2021 of December 31, 2022 and 2021, is amounting to
masing-masing adalah sebesar nihil dan nil and Rp887,000, respectively. Restructuring
Rp887.000. Skema restrukturisasi umumnya scheme generally involves extension of the
dilakukan dengan perpanjangan masa pelunasan 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, 2022 and
debitur masing-masing pada tanggal 31 Desember 2021.
2022 dan 2021.
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale
Transaksi asset sale telah dilaksanakan pada transactions carried out on November 15, 2021,
tanggal 15 November 2021 salah satunya berupa one of which were 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.
- 72 -

(continued)
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 final cut off date (November 15, 2021). Upon the
(15 November 2021). Setelah terjadinya penjualan sale and transfer of such mudharabah financing,
dan 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.
Dalam laporan Batas Maksimum Pemberian Kredit In its report on Legal Lending Limit (LLL) to OJK/
(BMPK) per tanggal-tanggal 31 Desember 2022 Bank Indonesia as of December 31, 2022 and
dan 2021 kepada OJK/Bank Indonesia, Bank tidak 2021, the Bank indicated that there is no debtor,
memiliki debitur baik pihak terkait maupun pihak either related party or third party, who did not
tidak terkait, sesuai dengan peraturan Bank comply with or who has exceeded the Legal
Indonesia yang tidak memenuhi atau melampaui Lending Limit (LLL).
ketentuan BMPK.
neto atas jumlah pembiayaan mudharabah adalah Financing (NPF) on mudharabah financing is as
sebagai berikut: follows:
2022 2021
NPF - bruto 2.177.795 -- NPF - gross

NPF - neto 1.467.507 -- NPF - net

- 73 -

(continued)
pembiayaan mudharabah adalah sebagai berikut: mudharabah financing are as follows:
2022 2021
tahun berjalan (Catatan 35) (2.664.280) 1.013.968 during the year (Note 35)
yang telah dihapusbukukan 573.901 1.573.435 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.
11. PEMBIAYAAN MUSYARAKAH 11. MUSYARAKAH FINANCING
a. Berdasarkan jenis kolektibilitas dan mata uang: a. By collectibility and currencies:
2022 2021
Rupiah Rupiah
Lancar 8.779.244.023 6.692.134.190 Current
Dalam perhatian khusus 909.370.739 1.660.286.720 Special mention
Kurang lancar 2.089.463 3.737.979 Substandard
Diragukan 40.469.785 2.300.661 Doubtful
Macet 111.683.583 73.657.621 Loss
9.842.857.593 8.432.117.171
Lancar 707.160.665 690.276.949 Current
Dalam perhatian khusus 144.827.877 -- Special mention
851.988.542 690.276.949
Jumlah 10.694.846.135 9.122.394.120 Total

Bersih 10.416.113.948 8.831.663.553 Net
- 74 -
11. PEMBIAYAAN MUSYARAKAH (Lanjutan) 11. MUSYARAKAH FINANCING (Continued)
2022 2021

Jasa usaha 2.348.992.591 1.633.687.002 Business services
Industri 1.291.734.536 1.396.170.486 Manufacturing
Perdagangan 1.204.070.125 1.248.593.775 Trading
Sosial/masyarakat 1.096.879.315 408.544.524 Social/public
Listrik, gas dan air 1.003.580.696 928.888.467 Electricity, gas and water
Konstruksi 582.779.331 577.261.721 Construction
Lainnya 1.478.225.166 1.622.721.315 Others
10.694.076.631 9.121.102.309

Lainnya 769.504 1.291.811 Others
769.504 1.291.811
Jumlah 10.694.846.135 9.122.394.120 Total

Bersih 10.416.113.948 8.831.663.553 Net
2022 2021
Rupiah Rupiah
 1 tahun 2.248.512.455 2.309.965.206  1 year
> 1 -  2 tahun 867.526.243 808.512.053 > 1 -  2 years
> 2 -  5 tahun 2.585.779.710 1.980.971.812 > 2 -  5 years
> 5 tahun 4.992.258.223 4.021.653.238 > 5 years
10.694.076.631 9.121.102.309
> 2 -  5 tahun 454.788 -- > 2 -  5 years
> 5 tahun 314.716 1.291.811 > 5 years
769.504 1.291.811
Jumlah 10.694.846.135 9.122.394.120 Total

Bersih 10.416.113.948 8.831.663.553 Net
- 75 -
2022 2021
 1 tahun 3.486.391.014 3.433.284.575  1 year
> 1 -  2 tahun 1.126.525.677 797.864.680 > 1 -  2 years
> 2 -  5 tahun 2.683.230.239 2.809.876.344 > 2 -  5 years
> 5 tahun 3.397.929.701 2.080.076.710 > 5 years
10.694.076.631 9.121.102.309
 1 tahun -- 18.131  1 year
 2 -  5 tahun 769.504 427.479  2 -  5 years
> 5 tahun -- 846.201 > 5 years
769.504 1.291.811
Jumlah 10.694.846.135 9.122.394.120 Total

Bersih 10.416.113.948 8.831.663.553 Net
2022 2021

Karyawan kunci 769.504 1.291.811 Key employees
769.504 1.291.811
Jumlah 10.694.846.135 9.122.394.120 Total
Bersih 10.416.113.948 8.831.663.553 Net
f. Rincian pembiayaan musyarakah bermasalah f. Non-performing musyarakah financing by

menurut sektor ekonomi adalah sebagai berikut: economic sector is as follows:
2022 2021
Industri 41.853.027 -- Manufacturing

Sosial/masyarakat 36.653.235 1.662.144 Social/public
Konstruksi -- 19.917.361 Construction
Lainnya 14.550.101 1.710.724 Others
Jumlah 154.242.832 79.696.262 Total
Bersih 12.079.295 4.627.613 Net
- 76 -
g. Tingkat margin rata-rata per tahun: g. Average profit margin rates per annum:
2022 2021

Dolar Amerika Serikat 7,57% 7,00% 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, 2022 and
Jumlah pembiayaan sindikasi yang diberikan Bank 2021, total syndicated financing amounted to
adalah sebesar Rp1.247.644.104 dan Rp1,247,644,104 and Rp835,671,605,
Rp835.671.605 masing-masing pada tanggal respectively. Bank’s participation as leader in the
31 Desember 2022 dan 2021. Keikutsertaan syndicated financing as of December 31, 2022 and
Bank sebagai pimpinan sindikasi pada tanggal 2021 is ranging from 3.00% to 68.34%. Bank’s
31 Desember 2022 dan 2021 sebesar 3,00% participation as member in the syndicated
sampai dengan 68,34%, sedangkan sebagai financing is ranging from 1.25% to 25.00% as of
anggota sindikasi berkisar 1,25% sampai dengan December 31, 2022 and 2021.
25,00% pada tanggal 31 Desember 2022 dan
2021.
Jumlah pembiayaan yang telah direstrukturisasi Financing that has been restructured by Bank as of
Bank pada tanggal 31 Desember 2022 dan 2021 December 31, 2022 and 2021 is amounting to
masing-masing adalah sebesar Rp1.760.446.438 Rp1,760,446,438 and Rp8,401,472,495,
dan Rp8.401.472.495. 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.
rendah dengan aset produktif (asset sale). earning assets (asset sale). Asset sale transactions
Transaksi asset sale telah dilaksanakan pada carried out on November 15, 2021, one of which,
tanggal 15 November 2021 salah satunya berupa were in the form of sales of musyarakah financing.
penjualan pembiayaan musyarakah. Dalam rangka In the context of restructuring the Bank, the
penyehatan Bank, selanjutnya atas kumpulan 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 principal amount
dengan harga sebesar nilai pokok pembiayaan of musyarakah financing at the final cut off date
musyarakah pada tanggal cut off final (November 15, 2021). Upon the sale and transfer
(15 November 2021). Setelah terjadinya penjualan of such musyarakah financing, the risk is
dan 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.
- 77 -

(continued)
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 the principal amount
dengan harga sebesar nilai pokok pembiayaan of 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.
Dalam laporan Batas Maksimum Pemberian Kredit In its report on Legal Lending Limit (LLL) to Bank
(BMPK) pada tanggal 31 Desember 2022 dan 2021 Indonesia as of December 31, 2022 and 2021,
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 (LLL).
BMPK.
neto atas jumlah pembiayaan musyarakah adalah Financing (NPF) on musyarakah financing is as
2022 2021
NPF - bruto 154.242.832 79.696.262 NPF - gross

NPF - neto 12.079.295 4.627.613 NPF - net
pembiayaan musyarakah adalah sebagai berikut: musyarakah financing are as follows:
2022 2021
tahun berjalan (Catatan 35) (18.048.287) 85.869.545 during the year (Note 35)
yang telah dihapusbukukan 4.641.171 3.738.118 written-off loans
Selisih kurs penjabaran 1.408.736 222.384 Exchange rate differences
- 78 -
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 2022 2021
Pihak berelasi Related parties
(Catatan 40) (Note 40)
Penyertaan Modal
Sementara Temporary Equity Participation
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) (60.242.400) Allowance for impairment losses
Bersih 347.468.837 347.468.837 Net
Mutasi cadangan kerugian penurunan nilai Penyertaan The changes in allowance for impairment losses of
Saham adalah sebagai berikut: Investments In Shares are as follows:
2022 2021
Balance at the beginning of the
Saldo awal tahun 60.242.400 -- year
Pembentukan (Pembalikan) Provision (Reversal)
(Catatan 35) -- 60.242.400 (Note 35)
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 (RUPSLB) yang Shareholders (RUPSLB) 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. participation 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 participation is 47.86%.
PT Al Ijarah Indonesia Finance setelah dilakukan Temporary equity participation is carried out to
penyertaan sementara sebesar 47,86%. Penyertaan improve the financial performance of PT Al Ijarah
modal sementara dilakukan untuk memperbaiki kinerja Indonesia Finance.
keuangan dari PT Al Ijarah Indonesia Finance.
- 79 -
12. PENYERTAAN SAHAM (Lanjutan) 12. INVESTMENTS IN SHARES (Continued)
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.
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,

2022
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) 15.762.986 Credit
Spot dan Forward 862.191 Spot and Forward
16.625.177
Dolar Amerika Serikat US Dollar
Impor L/C dan Surat
Negeri (SKBDN) Credit
Dollar Amerika Serikat 6.594.470 102.659.405 United States Dollar
102.659.405
Cadangan kerugian penurunan nilai (73.060.862) Allowance for impairment losses
- 80 -
a. Berdasarkan jenis dan mata uang (lanjutan) a. By type and currency (continued)
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
Negeri (SKBDN) 24.408.318 Credit
Spot dan Forward 7.728.606 Spot and Forward
32.136.924
Impor L/C dan Surat
Negeri (SKBDN) Credit
Dollar Amerika Serikat 6.687.237 95.309.845 United States Dollar
95.309.845
b. Berdasarkan sisa umur jatuh tempo: b. By remaining period to maturity:
2022 2021
 1 bulan 112.132.663 101.644.840  1 month
> 1 -  3 bulan 2.488.611 17.544.475 > 1 -  3 months
> 3 -  6 bulan 2.939.191 8.257.454 > 3 -  6 months
> 12 bulan 1.724.117 -- > 12 months
Jumlah 119.284.582 127.446.769 Total
Bersih 46.223.720 63.093.034 Net
c. Berdasarkan kolektibilitas: c. By collectibility:
2022 2021
Lancar 17.082.306 33.877.606 Current

Macet 102.202.276 93.569.163 Loss
Jumlah 119.284.582 127.446.769 Total
Bersih 46.223.720 63.093.034 Net
- 81 -
d. Perubahan cadangan kerugian penurunan nilai d. Changes in the allowance for impairment losses
adalah sebagai berikut: are as follows:
2022 2021
tahun berjalan (Catatan 35) 2.919.447 61.080.982 during the year (Note 35)
Selisih Kurs 5.787.680 888.967 Exchange rate differences
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, 2022

Jumlah nosional mata
uang asing/
Notional amount in
foreign currencies Setara dengan/
(Dalam nilai penuh/In Equivalent to
full amount) Rupiah
Rupiah Rupiah
Impor L/C dan Surat Kredit Import L/C and Domestic
Berdokumen Dalam Negeri Letters of
(SKBDN) 7.966.634 Credit
13.823.840
(SKBDN) Credit
Dollar Amerika Serikat 29.364 457.129 United Stated Dollar
457.129
31 Desember/ December 31, 2021

Jumlah nosional mata
uang asing/
Notional amount in
foreign currencies Setara dengan/
(Dalam nilai penuh/In Equivalent to
full amount) Rupiah
Rupiah Rupiah
(SKBDN) 19.700.486 Credit
23.529.740
(SKBDN) Credit
Dollar Amerika Serikat 122.132 1.740.683 United Stated Dollar
1.740.683
- 82 -
Bank melakukan penilaian atas penurunan nilai tagihan The Bank assessed acceptance receivable individually
akseptasi secara individual dengan adanya bukti for impairment based on whether an objective
objektif penurunan nilai. evidence of impairment exists.
Manajemen berpendapat bahwa jumlah cadangan Management believes that allowance for impairment
kerugian penurunan nilai tagihan akseptasi pada losses of acceptance receivables as of December 31,
tanggal 31 Desember 2022 dan 2021 telah memadai. 2022 and 2021 is adequate.
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.
2022 2021
Multijasa 3.176.387 885.858 Multiservices

Lainnya -- 1.754.239 Others
Jumlah 3.176.387 2.640.097 Total
Akumulasi penyusutan (2.306.482) (2.372.439) Accumulated depreciation
Bersih 869.905 267.658 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 Rp343.583 dan Rp367.513 untuk posisi to Rp343,583 and Rp367,513 as of December 31,
31 Desember 2022 dan 2021. 2022 and 2021, respectively.
Berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) Based on the Financial Services Authority
No.2/POJK.03/2022 tanggal 31 Januari 2022, Regulation (POJK) No.2/POJK.03/2022 dated
kewajiban membentuk cadangan umum penyisihan January 31, 2022, 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:
2022 2021
Balance at the beginning of

Saldo awal tahun 2.372.439 9.587.398 the year
Penyusutan tahun berjalan 343.583 367.513 Depreciation during the year
Pelunasan (409.540) (7.582.472) Repayment
- 83 -
15. ASET TETAP 15. PREMISES AND EQUIPMENT
Aset tetap terdiri dari: Premises and equipment consist of:

31 Desember 2022 / December 31, 2022
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 1.774.511.385 -- 145.937.412 (24.827.643) -- 1.895.621.154 Land rights
Bangunan 1.300.153.880 -- (194.795.375) (1.061.015) -- 1.104.297.490 Buildings
Kendaraan bermotor 49.454.690 6.541.900 10.713.846 (13.804.276) -- 52.906.160 Vehicles
Inventaris kantor 414.950.145 1.550.436 16.604.711 (1.658.040) -- 431.447.252 Office equipments
Komputer 743.027.244 16.230.131 3.773.232 (9.645.499) -- 753.385.108 Computers
Perbaikan sarana dan prasarana 212.723.147 -- -- (24.775.054) -- 187.948.093 Leasehold improvement
4.494.820.491 24.322.467 (17.766.174) (75.771.527) -- 4.425.605.257
Aset sewa pembiayaan
kendaraan bermotor 20.099.991 -- -- (802.425) -- 19.297.566 Vehicles under finance lease
4.514.920.482 24.322.467 -- (76.573.952) -- 4.444.902.823
Akumulasi Penyusutan Accumulated Depreciation

Bangunan 336.589.747 64.050.490 -- (1.061.015) -- 399.579.222 Buildings
Kendaraan bermotor 42.030.172 3.753.241 -- (12.852.750) -- 32.930.663 Vehicles
Inventaris kantor 392.406.020 18.483.487 -- (1.552.262) -- 409.337.245 Office equipments
Komputer 682.410.391 27.398.314 -- (9.591.239) -- 700.217.466 Computers
Perbaikan sarana dan prasarana 197.793.312 1.390.680 -- (24.775.055) -- 174.408.937 Leasehold improvement
1.651.229.642 115.076.212 -- (49.832.321) -- 1.716.473.533
kendaraan bermotor 19.842.025 253.041 -- (797.499) -- 19.297.567 Vehicles under finance lease
1.671.071.667 115.329.253 -- (50.629.820) -- 1.735.771.100
Nilai buku 2.843.848.815 2.709.131.723 Book value
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
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
Aset tetap terdiri dari: Premises and equipment consist of:
Pada tanggal-tanggal 31 Desember 2022 dan As of December 31, 2022 and 2021, the sales of
2021 penjualan aset tetap Bank adalah sebagai premises and equipment are as follows:
berikut:
2022 2021
Harga jual 1.106.367 1.440.915 Selling price

Jumlah tercatat - neto (90.354) (501.262) Net carrying value
Laba penjualan aset Gain on sales of premises and
tetap (Catatan 37) 1.016.013 939.653 equipment (Note 37)
Pada tahun 2022, Bank melakukan revaluasi aset In 2022, the Bank revaluated its premises and
tetap dengan bertujuan akuntansi. Atas hasil revaluasi equipment for accounting purposes. Based on the
aset tersebut, Bank mengalami penurunan nilai atas results of the revaluation, the Bank experienced an
penilaian aset tetap secara bersih senilai impairment of premises and equipment on a net basis
Rp17.766.174. of Rp17,766,174.
- 84 -
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 Rp115.329.253 dan Rp115,329,253 and Rp138,282,042 for the years
Rp138.282.042 untuk tahun-tahun yang berakhir ended December 31, 2022 and 2021, respectively
pada tanggal 31 Desember 2022 dan 2021 (Catatan (Note 34).
34).
Pada tanggal 31 Desember 2022, aset tetap kecuali As of December 31, 2022, premises and equipment,
tanah telah diasuransikan kepada Asuransi Zurich dan except land, were insured with Zurich Insurance, and
Asuransi Takaful Umum terhadap risiko kebakaran Takaful General Insurance against losses from fire
dan risiko lainnya dengan jumlah pertanggungan and other risks with coverage of Rp1,043,998,992. As
sebesar Rp1.043.998.992. Pada tanggal 31 Desember of December 31, 2021, premises and equipment,
2021, aset tetap kecuali tanah telah diasuransikan except land, were insured with Zurich Insurance, Tri
kepada Asuransi Zurich, Asuransi Tri Pakarta Syariah, Pakarta Syariah Insurance, and PT Syarikat Takaful
dan PT Syarikat Takaful Indonesia (pihak berelasi) Indonesia (related party) against losses from fire and
terhadap risiko kebakaran dan risiko lainnya dengan other risks with coverage of Rp1,232,032,204.
jumlah pertanggungan sebesar Rp1.232.032.204.
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 2022 dan Bank that are pledged as collateral as of
2021. December 31, 2022 and 2021.
Pada 31 Desember 2022 dan 2021 tidak ada As of December 31, 2022 and 2021, 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:
2022 2021
Pendapatan yang masih

akan diterima 2.284.101.188 2.052.304.016 Accrued income
Aset terbengkalai - bersih 488.274.833 488.274.833 Abandoned assets - net
Biaya dibayar dimuka 371.878.574 352.728.708 Prepaid expenses
Uang muka operasi 191.272.164 266.147.968 Advances
Tagihan ATM 65.783.533 76.682.739 ATM receivables
Uang muka pajak 62.387.866 63.878.479 Prepaid Tax
Agunan yang diambil alih -bersih 54.285.502 29.821.330 Foreclosed assets - net
Tagihan kepada pihak ketiga - Receivables from third parties -
bersih 44.180.116 15.139.664 net
Persediaan alat tulis kantor 14.088.713 14.175.383 Office supplies
Kelebihan pembayaran pajak Estimated claims for tax
(Catatan 22.c) 12.069.027 12.069.027 refund (Note 22.c)
Setoran jaminan 4.391.629 4.580.916 Security deposits
Aset hak guna - bersih 4.094.267 5.799.427 Right of use assets - net
Tagihan Usance Payable At Usance Payable At Usance
Usance (UPAU) 140.000 140.000 (UPAU) receivable
Lainnya 18.421.636 46.790.709 Others
Jumlah 3.615.369.048 3.428.533.199 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 2022 dan 2021. December 31, 2022 and 2021.
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:
2022 2021
Penambahan tahun berjalan 24.464.172 -- Depreciation during the year
Penyelesaian: Settlement:
Recovery -- -- Recovery
Reklasifikasi: Reclassification:
Aset Tetap -- -- Premises and Equipment
Cadangan kerugian penurunan nilai -- -- Allowance for impairment losses
Bersih 54.285.502 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:
2022 2021
Pembentukan (Pembalikan) Provision (Reversal)
selama tahun berjalan (Cat. 35) -- -- during the year (Note 35)
Aset hak guna per 31 Desember 2022 dan 2021 Right of use assets as of December 31, 2022 and
adalah sebagai berikut: 2021, are as follows:
31 Desember 2022/ December 31, 2022

Saldo awal/ Penambahan/ Pengurangan/ Saldo akhir/
Beginning balance Additions Disposals Ending balance
Harga Perolehan At cost
Bangunan 12.038.874 7.693.907 (7.806.904) 11.925.877 Buildings
12.038.874 7.693.907 (7.806.904) 11.925.877
Akumulasi Penyusutan Accumulated depreciation
Bangunan 6.239.447 3.686.400 (2.094.237) 7.831.610 Buildings
6.239.447 3.686.400 (2.094.237) 7.831.610
Nilai buku 5.799.427 4.094.267 Book Value
- 86 -
16. ASET LAIN-LAIN - NETO (Lanjutan) 16. OTHER ASSETS - NET (Continued)
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
17. LIABILITAS SEGERA 17. LIABILITIES DUE IMMEDIATELY
Liabilitas segera kepada pihak ketiga terdiri dari: Liabilities due immediately to third parties consist of:
2022 2021
Titipan ATM Bersama 72.617.557 30.881.984 ATM Bersama funds

Titipan dana nasabah 26.919.639 43.407.158 Customers funds
Titipan ZIS 25.395 92.532 ZIS funds
Titipan lainnya 16.833.188 1.008.725.640 Other funds
Jumlah 116.395.779 1.083.107.314 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
HMETD-nya. Rights.
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.
2022 2021
Deposito mudharabah Mudharabah time
berjangka 44.282.774 25.994.653 deposits
Pinjaman yang diterima 15.560.401 6.237.821 Fund borrowings
Tabungan mudharabah 664.600 659.368 Mudharabah saving deposits
Lain-lain 7.795.173 6.819.703 Others
Jumlah 68.302.948 39.711.545 Total
- 87 -
19. SIMPANAN 19. DEPOSITS
2022 2021
Rupiah 2.669.966.772 3.529.403.254 Rupiah
(2022: USD30.798.939 dan (2022 : USD30,798,939 and
2021: USD29.135.456) 475.588.639 551.578.853 2021: USD29,135,456)
Dolar Singapura Singapore Dollar
(2022: SIN44.247 dan (2022 : SIN44,247 and
2021: SIN44.559) 512.946 470.302 2021: SIN44,559)
Euro Euro
(2022: Nihil dan (2022: Nil and
2021: EUR20.851) -- 335.967 2021: EUR20,851)
3.146.068.357 4.081.788.376
Rupiah 20.301.873 13.879.173 Rupiah
(2022: USD247.173 dan (2022: USD247,173 and
2021: USD254.064) 3.847.878 138.638 2021: USD254,064)
24.149.751 14.017.811
3.170.218.108 4.095.806.187
Tabungan wadiah Wadiah savings
Rupiah 5.784.142.847 5.288.935.835 Rupiah
(2022: USD17.167.159 dan (2022 : USD17,167,159 and
2021: USD21.747.045) 267.283.924 286.155.096 2021 : USD21,747,045)
Dolar Singapura Singapore Dollar
(2022: SIN104.883 dan (2022 : SIN104,883 and
2021: SIN127.337) 1.215.898 1.322.805 2021 SIN127,337)
6.052.642.669 5.576.413.736
Rupiah 4.268.876 4.208.478 Rupiah
6.056.911.545 5.580.622.214
Jumlah 9.227.129.653 9.676.428.401 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 berkisaran antara 0,00% sampai dengan in 2022 and 2021 for Rupiah wadiah demand
0,02% untuk tahun 2022 dan 2021. Bank tidak deposits. Wadiah demand deposits in foreign
memberikan bonus untuk simpanan wadiah dalam currency are not entitled to bonus.
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 2022 dan 2021. as of December 31, 2022 and 2021.
- 88 -
20. SIMPANAN DARI BANK LAIN 20. DEPOSITS FROM OTHER BANKS
2022 2021
Giro wadiah Wadiah Demand Deposits
Rupiah 58.980.516 77.905.469 Rupiah
Dolar Amerika Serikat 293.374 126.067 United States Dollar
Tabungan wadiah Wadiah savings
Rupiah 118.635 814.672 Rupiah
Jumlah 59.392.525 78.846.208 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 2022 dan 2021. December 31, 2022 and 2021.
21. PINJAMAN YANG DITERIMA 21. FUND BORROWINGS
2022 2021
Rupiah Rupiah
PT Sarana Multigriya PT Sarana Multigriya Finansial
Finansial (Persero) 500.000.000 100.000.000 (Persero)
Jumlah 500.000.000 100.000.000 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.197/AKAD/SMF-BMI/VIII/2022 Finansial (Persero) No.197/AKAD/SMF-BMI/VIII/2022
tanggal 15 Agustus 2022, Bank telah menerima dated August 15, 2022, Bank obtained financing
fasilitas pembiayaan dari PT Sarana Multigriya facility from PT Sarana Multigriya Finansial (Persero)
Finansial (Persero) sebesar Rp200.000.000 berjangka amounting to Rp200,000,000, with a period of 1 (one)
waktu 1 (satu) tahun dan porsi nisbah yang disepakati year and the agreed nisbah portion for Bank and
adalah masing-masing sebesar 56,00% untuk Bank PT Sarana Multigriya Finansial (Persero) is 56.00%
dan PT Sarana Multigriya Finansial (Persero) sebesar and 44.00%, respectively.
44,00%.

Finansial (Persero) No.272/AKAD/SMF-BMI/X/2022 Finansial (Persero) No.272/AKAD/SMF-BMI/X/2022
tanggal 28 Oktober 2022, Bank telah menerima dated October 28, 2022, Bank obtained financing
fasilitas pembiayaan dari PT Sarana Multigriya facility from PT Sarana Multigriya Finansial (Persero)
Finansial (Persero) sebesar Rp300.000.000 berjangka amounting to Rp300,000,000, with a period of 1 (one)
waktu 1 (satu) tahun dan porsi nisbah yang disepakati year and the agreed nisbah portion for Bank and
dan PT Sarana Multigriya Finansial (Persero) sebesar and 44.00%, respectively.
44,00%.
- 89 -
21. PINJAMAN YANG DITERIMA (Lanjutan) 21. FUND BORROWINGS (Continued)

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 financing facility
pembiayaan dari PT Sarana Multigriya Finansial from PT Sarana Multigriya Finansial (Persero)
(Persero) sebesar Rp100.000.000 berjangka waktu amounting to Rp100,000,000, with a period of 1 (one)
1 (satu) tahun dan porsi nisbah yang disepakati year and the agreed nisbah portion for Bank and
dan PT Sarana Multigriya Finansial (Persero) sebesar and 45.53%, respectively. The Bank paid off this
45,53%. Bank telah melakukan pelunasan pinjaman borrowing on April 28, 2022.
tersebut pada tanggal 28 April 2022.
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
22. UTANG PAJAK 22. TAX PAYABLES
a. Utang Pajak a. Tax Payable
2022 2021
Pajak penghasilan: Income tax:

Pasal 4 (2) 11.041.883 11.923.150 Article 4 (2)
Pasal 21 8.496.207 5.245.069 Article 21
Pasal 23 302.064 141.676 Article 23
Pasal 26 74.308 90.752 Article 26
Pasal 29 76.203 2.369.659 Article 29
Pajak Pertambahan Nilai 1.573.909 2.278.189 Value Added Tax
Jumlah 21.564.574 22.048.495 Total
b. Beban pajak penghasilan badan b. Corporate income tax expense
2022 2021
(Beban) manfaat pajak: Tax (expense) benefit:

Kini (11.982.845) (5.109.109) Current
Kini - Cabang Kuala Lumpur (12.913.839) -- Current - Kuala Lumpur Branch
Tangguhan (523.125) 1.522.420 Deferred
Jumlah (25.419.809) (3.586.689) Total
- 90 -
22. UTANG PAJAK (Lanjutan) 22. TAX PAYABLES (Continued)
b. Beban pajak penghasilan badan (lanjutan) b. Corporate income tax expense (continued)
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:
2022 2021
Laba sebelum pajak Income before tax per statement

menurut laporan laba rugi of profit or loss and
dan penghasilan other comprehensive
komprehensif lain 52.000.877 12.513.740 income
Perbedaan temporer Temporary differences
Penyusutan aset Depreciation of premises and
tetap 28.300.008 (1.946.499) equipment
Bonus 5.711.689 3.960.049 Bonuses
Imbalan pasca kerja Provision for post employment
karyawan (23.682.643) 2.302.953 benefit
Beban Pesangon -- 2.214.622 Severance payment
Lainnya (12.706.893) 388.965 Others
Jumlah perbedaan
temporer (2.377.839) 6.920.090 Total temporary differences
Perbedaan permanen Permanent differences

Hadiah dan sumbangan 284.249 137.571 Rewards and donations
Pemeliharaan dan perbaikan 253.023 223.315 Maintenance and repairs
Kenikmatan karyawan dan Employees and Directors
Direksi 199.288 340.864 benefits
Lain-lain 4.107.878 3.087.642 Others
Jumlah perbedaan Total permanent
permanen 4.844.438 3.789.392 differences
Penghasilan fiskal
kena pajak 54.467.476 23.223.221 Taxable income
Beban pajak Corporate Income tax expense -
penghasilan-kini 11.982.845 5.109.109 current
Dikurangi pembayaran Less prepaid income
pajak dimuka Pajak tax for
Penghasilan Pasal 25 (11.906.642) (2.739.450) Income Tax Article 25
Utang (Kelebihan)
Pajak Kini 76.203 2.369.659 Current Tax Payables (Prepaid)
2022 2021
Laba sebelum pajak
menurut laporan laba rugi Income before tax per statement
dan penghasilan of profit or loss and
komprehensif lain - Kuala other comprehensive
Lumpur 45.595.084 -- income - Kuala Lumpur
Penyesuaian fiskal 8.212.579 -- Fiscal adjustment
Penghasilan fiskal
kena pajak 53.807.663 -- Taxable income
Beban pajak
penghasilan-kini Cabang Corporate Income tax expense -
Kuala Lumpur 12.913.839 -- current Kuala Lumpur Branch
- 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, which
Wajib Pajak Badan Dalam Negeri yang Berbentuk became effective June 19, 2020. The regulation
Perseroan Terbuka dan berlaku sejak tanggal has stipulated the reduction in the income tax
19 Juni 2020. Aturan tersebut menetapkan rates for domestic corporate taxpayers and
penurunan tarif pajak penghasilan wajib pajak business establishments from 25% to 22% for
badan dalam negeri dan bentuk usaha tetap dari Fiscal Year 2020 and 2021 and a further reduction
semula 25% menjadi 22% untuk tahun pajak 2020 of the tax rate by 3% for domestic taxpayers who
dan 2021, serta pengurangan lebih lanjut tarif meet 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 2022 dan December 31, 2022 and 2021 has been calculated
2021 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.
Beban pajak kini cabang Kuala Lumpur merupakan Current tax expense of Kuala Lumpur branch is the
pajak badan Bank untuk cabang Kuala Lumpur Bank's corporate tax for the Kuala Lumpur branch
tahun buku 2021 yang dibayarkan pada tahun for the 2021 fiscal year which will be paid in 2022,
2022, hal ini dikarenakan telah berakhirnya fasilitas this is due to the expiration of the tax holiday
pembebasan pajak / tax holiday pada tahun 2020. facility in 2020.
c. Kelebihan pembayaran pajak c. Corporate estimated claim for tax refund
2022 2021
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 mengajukan submitted an objection request against the Tax
permohonan keberatan atas SKPKB tahun pajak Underpayment Assessment for the 2018 tax year.
2018.
- 92 -
c. Kelebihan pembayaran pajak (lanjutan) c. Corporate estimated claim for tax refund
(continued)
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 of December 31, 2022, it is still in court process.
31 Desember 2022 masih dalam proses
pengadilan.
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,
2021 income adjustment 2022
Aset (liabilitas) pajak tangguhan Deferred tax assets (liabilities)
Imbalan pasca kerja karyawan 33.823.516 (5.210.182) (1.010.921) 27.602.413 Provisions for post employment benefit
Bonus Karyawan (3.446.647) 1.256.572 (2.190.075) Employee bonuses
Penyusutan aset tetap 24.232.751 6.226.002 -- 30.458.753 Premises and equipment depreciations
Beban Pesangon 1.306.456 (4.910.817) -- (3.604.361) Severance payment
Cadangan kerugian penurunan nilai selain Allowance for impairment losses other
pembiayaan 71.869.849 2.136.993 -- 74.006.842 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 31.285 (21.693) -- 9.592 financial report
Keuntungan (kerugian) yang belum Unrealized gain (loss) in value
direalisasi dari surat berharga yang of available-for-sale marketable
tersedia untuk dijual 5.327.306 -- 978.076 6.305.382 securities
Revaluation Surplus on Premises
Surplus revaluasi aset tetap 10.798.402 -- -- 10.798.402 and equipment
Penyesuaian setelah penyajian kembali (3.478.171) -- -- (3.478.171) Adjustment after restatement
Aset pajak tangguhan - bersih 140.464.747 (523.125) (32.845) 139.908.777 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,
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
pembiayaan 71.536.683 333.166 -- 71.869.849 other than financing
Keuntungan (Kerugian) yang belum Unrealized gain (loss)
direalisasi dari surat berharga yang 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 Unrealized gain (loss) in value
direalisasi dari surat berharga yang of available-for-sale marketable
tersedia untuk dijual 5.892.304 -- (564.998) 5.327.306 securities
Revaluation Surplus on Premises
Surplus revaluasi aset tetap 10.798.402 -- -- 10.798.402 and 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
- 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:
2022 2021
Laba sebelum pajak Bank

menurut laporan laba rugi Bank’s Income before tax
dan penghasilan per statement of profit or loss and
komperehensif lain 52.000.877 12.513.740 other comprehensive income
Beban pajak berdasarkan Tax expense at effective
tarif pajak yang berlaku 24.896.684 5.109.109 tax rates
Pengaruh pajak atas
penghasilan yang tidak dapat Tax effect of non
diperhitungkan menurut deductible expenses -
fiskal: net:
Imbalan pasca kerja 5.210.182 (506.650) Post Employment benefit
Kenikmatan karyawan Employees and Directors
dan Direksi 3.654.246 (1.038.599) benefits
Penyusutan (6.226.002) 428.230 Depreciation
Lain-lain (2.115.301) (405.401) Others
Jumlah 523.125 (1.522.420) Total
Penyesuaian pajak Deferred tax
tangguhan -- -- adjustment
Jumlah beban (manfaat) Total tax expenses
pajak 25.419.809 3.586.689 (benefits)
23. ESTIMASI KERUGIAN KOMITMEN DAN 23. 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: by its credit risk are as follows:
2022 2021
Rupiah Rupiah
Bank garansi 746.255 729.257 Bank guarantees

Bank garansi 107.955 86.393 Bank guarantees
Jumlah 854.210 815.650 Total
- 94 -
23. ESTIMASI KERUGIAN KOMITMEN DAN 23. 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:
2022 2021
Rupiah Rupiah
Bank garansi Bank guarantees
Lancar 74.625.502 70.984.409 Current
74.625.502 70.984.409
Penerbitan SKBDN dan Irrevocable domestic
L/C yang tidak dapat letters of
dibatalkan credit and L/C issued
Lancar 7.767.693 14.863.464 Current
82.393.195 85.847.873

Bank garansi Bank guarantees
Lancar 10.795.485 8.639.278 Current
Penerbitan SKBDN dan Irrevocable domestic

L/C yang tidak dapat letters of credit
dibatalkan and L/C issued
Lancar 112.227.913 2.703.920 Current
112.227.913 2.703.920
123.023.398 11.343.198
Jumlah 205.416.593 97.191.071 Total
Bersih 204.562.383 96.375.421 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:
2022 2021
Saldo awal tahun 815.650 1.510.940 Balance at the beginning of the year
Penyisihan (Pembalikan) Provision (Reversal)
(Catatan 35) 461.649 (695.290) (Note 35)
Selisih kurs penjabaran (423.089) -- Exchange rate
Saldo akhir tahun 854.210 815.650 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 2022 dan 2021 telah 2022 and 2021 is adequate.
memadai.
- 95 -
24. ESTIMASI LIABILITAS IMBALAN KERJA 24. 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, 2022 and 2021, in compliance
2022 dan 2021 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, an independent actuary, as stipulated
Agus Basuki, aktuaris independen, berdasarkan in their reports dated January 20, 2023 and
laporannya masing-masing pada tanggal 20 Januari February 4, 2022, respectively.
2023 dan 4 Februari 2022.
Perhitungan aktuaris tersebut menggunakan metode The actuarial calculations used the “Projected Unit
“Projected Unit Credit” dengan asumsi-asumsi Credit” method with underlying assumptions as
2022 2021
Tingkat diskonto per tahun 4,51% - 7,23% 7,02% Annual discount rate
Tingkat kenaikan gaji per tahun 3,00% 3,00% Annual salary increase rate
Tabel mortalita TMI-IV 2019 TMI-IV 2019 Mortality table
Usia pensiun 55 tahun/years old 55 tahun/years old Retirement age
Pengukuran kembali liabilitas imbalan kerja: Remeasurement of employee benefit liabilities:
2022 2021
Saldo pada awal tahun 100.104.640 89.103.213 Balance at the beginning of the year
(Keuntungan)/kerugian aktuaria 4.595.096 11.001.427 Actuarial (gain)/loss
Saldo pada akhir tahun 104.699.736 100.104.640 Balance at the end of the year
Pajak - pajak terkait (23.033.942) (22.023.021) Related Tax
Balance at the end of the year-
Saldo pada akhir tahun - bersih 81.665.794 78.081.619 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:
2022 2021
Biaya jasa kini 16.842.782 16.296.216 Current service cost

Biaya bunga 7.792.038 8.765.873 Interest cost
Jumlah (Catatan 33) 24.634.820 25.062.089 Total (Note 33)
- 96 -
(Lanjutan) BENEFITS (Continued)
Mutasi atas nilai kini kewajiban imbalan kerja adalah Changes in present value of estimated liabilities for
sebagai berikut: post employment benefits are as follows:
2022 2021
Balance at the beginning of the

Saldo pada awal tahun 153.743.250 162.441.725 year
Biaya bunga 7.792.038 8.765.873 Interest cost
Biaya jasa kini 16.842.782 16.296.216 Current service cost
Kerugian (keuntungan) aktuaria (4.595.096) (11.001.427) Actuarial Loss (Gain)
Pembayaran imbalan kerja tahun Current year benefit
berjalan (40.766.955) (22.759.137) payments
Biaya jasa lalu karena perubahan Past service costs due to program
program (7.550.508) -- changes
Saldo pada akhir tahun 125.465.511 153.743.250 Balance at the end of the year
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,

2022 2021 2020 2019 2018
Nilai kini kewajiban Present value of benefit
imbalan 125.465.511 153.743.250 162.441.725 174.521.826 200.647.816 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 2,431 and 2,644 employees as of
2.431 dan 2.644 karyawan masing-masing untuk December 31, 2022 and 2021, respectively.
31 Desember 2022 dan 2021.
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, 2022
tanggal 31 Desember 2022 dan 2021 adalah and 2021 is amounting to Rp19,966,788 and
masing-masing sebesar Rp19.966.788 dan Rp20,143,352, respectively.
Rp20.143.352.
- 97 -
(Lanjutan) BENEFITS (Continued)
Pada tanggal 31 Desember 2022 dan 2021 jumlah As of December 31, 2022 and 2021 Bank’s
akumulasi dana pensiun yang merupakan kontribusi contribution to the total accumulated pension fund is
Bank masing-masing sebesar Rp9.030.239 dan amounting to Rp9,030,239 and Rp15,870,095,
Rp15.870.095. 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.
25. LIABILITAS LAIN-LAIN 25. OTHER LIABILITIES
2022 2021
Titipan operasional pembiayaan 112.255.602 109.181.651 Operational financing funds

Biaya yang masih harus dibayar 54.077.434 107.413.741 Accrued expenses
Utang dividen 20.464.448 20.544.103 Dividends payable
Titipan unclaim 13.853.556 19.973.793 Unclaimed funds
Setoran jaminan 379.779 361.779 Security deposits
Pendapatan diterima dimuka 1.800 1.800 Unearned Income
Lainnya 230.251.651 117.197.943 Others
Jumlah 431.284.270 374.674.810 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 2022 dan 2021. shareholders as of December 31, 2022 and 2021.
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).
- 98 -
26. DANA SYIRKAH TEMPORER 26. TEMPORARY SYIRKAH FUNDS
(i) Giro Mudharabah (i) Mudharabah Demand Deposits
2022 2021

Rupiah Rupiah
Bukan Bank Non Bank
Pihak berelasi (Catatan 40) 2.379.667 3.994.740 Related parties (Note 40)
1.707.856.687 2.052.623.596
Bank Bank
Jumlah 1.861.538.045 2.146.777.129 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:
2022 2021
Tingkat Bagi Hasil/ Tingkat Bagi Hasil/
Nisbah Profit Sharing Rate Nisbah Profit Sharing Rate
Giro mudharabah 32,00% 0,89% 32,00% 0,70% Mudharabah demand deposits
(ii) Tabungan Mudharabah (ii) Mudharabah Saving Deposits
a. Berdasarkan jenis produk: a. By type:
2022 2021
Bukan Bank Non Bank
Tabungan Hijrah Prima 9.067.519.266 9.453.287.151 Hijrah Prima savings
Tabungan Hijrah Bisnis 722.443.753 699.657.716 Hijrah Bisnis savings
Tabungan Hijrah Rencana 212.880.228 239.386.280 Hijrah Rencana savings
Tabungan Hijrah Haji 51.196.610 52.625.159 Hijrah Haji savings
Tabungan Hijrah Simpel 11.004.307 7.640.337 Hijrah Simpel savings
10.065.044.164 10.452.596.643
Bank Bank
Tabungan Hijrah Prima 638.960.004 577.127.494 Hijrah Prima savings
Tabungan Hijrah Bisnis 5.598.371 8.386.163 Hijrah Bisnis savings
644.558.375 585.513.657
Jumlah 10.709.602.539 11.038.110.300 Total
- 99 -
26. DANA SYIRKAH TEMPORER (Lanjutan) 26. TEMPORARY SYIRKAH FUNDS (Continued)
(ii) Tabungan Mudharabah (lanjutan) (ii) Mudharabah Saving Deposits (continued)
b. Berdasarkan keterkaitan: b. By relationship:
2022 2021
Bukan Bank Non Bank
Pihak berelasi (Cat. 40) 11.721.267 15.980.446 Related parties (Note 40)
10.065.044.164 10.452.596.643
Bank Bank
Jumlah 10.709.602.539 11.038.110.300 Total
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.
2022 2021
Tingkat Bagi Hasil/ Tingkat Bagi Hasil/
Nisbah Profit Sharing Rate Nisbah Profit Sharing Rate
Tabungan Hijrah
Prima 10 : 90 0,22% 10 : 90 0,21% Hijrah Prima savings
Tabungan Hijrah
Bisnis 15 : 85 0,15% 15 : 85 0,22% Hijrah Bisnis savings
Tabungan Hijrah
Rencana 30 : 70 2,91% 30 : 70 2,57% Hijrah Rencana savings
Tabungan Hijrah Haji 1 : 99 0,04% 1 : 99 0,04% Hijrah Haji savings
Tabungan Hijrah
Simpel 2 : 98 0,08% 2 : 98 0,09% Hijrah Simpel savings
(iii) Deposito Berjangka Mudharabah (iii) Mudharabah Time Deposits

a. Berdasarkan keterkaitan: a. By relationship:
2022 2021
Bukan Bank Non Bank
Rupiah Rupiah
Pihak berelasi (Catatan 40) 9.782.443.520 8.692.385.237 Related parties (Note 40)
23.882.141.020 22.239.946.530
Pihak ketiga 416.831.079 1.066.091.178 Third parties
Pihak berelasi (Catatan 40) 844.113.021 1.383.687.850 Related parties (Note 40)
1.260.944.100 2.449.779.028
25.143.085.120 24.689.725.558
Bank Bank
Rupiah Rupiah
1.357.644.867 958.473.062
Jumlah 26.500.729.987 25.648.198.620 Total
- 100 -
(iii) Deposito Berjangka Mudharabah (lanjutan) (iii) Mudharabah Time Deposits (continued)
b. Berdasarkan jangka waktu: b. By period:
2022 2021
Rupiah Rupiah
1 bulan 16.107.796.113 13.778.698.108 1 month
3 bulan 3.197.318.645 2.938.069.285 3 months
4 bulan 102.515.074 87.057.510 4 months
6 bulan 2.540.043.552 3.108.632.993 6 months
12 bulan 2.918.492.503 3.129.184.197 12 months
24.866.165.887 23.041.642.093

1 bulan 1.502.189.767 1.658.790.714 1 month
3 bulan 28.810.129 38.719.082 3 months
6 bulan 41.692.203 432.861.730 6 months
12 bulan 61.872.001 476.185.001 12 months
1.634.564.100 2.606.556.527
Jumlah 26.500.729.987 25.648.198.620 Total
c. Berdasarkan sisa umur jatuh tempo: c. By remaining period to maturity:
2022 2021
Rupiah Rupiah
 1 bulan 18.472.765.580 15.754.047.787  1 month
> 1 -  3 bulan 3.126.511.248 3.633.518.809 > 1 -  3 months
> 3 -  6 bulan 1.996.885.506 2.230.279.045 > 3 -  6 months
> 6 - 12 bulan 1.270.003.553 1.423.796.452 > 6 - 12 months
24.866.165.887 23.041.642.093

 1 bulan 1.527.691.212 1.680.680.956  1 month
> 1 -  3 bulan 33.407.101 447.769.931 > 1 -  3 months
> 3 -  6 bulan 22.968.575 53.876.198 > 3 -  6 months
> 6 - 12 bulan 50.497.212 424.229.442 > 6 - 12 months
1.634.564.100 2.606.556.527
Jumlah 26.500.729.987 25.648.198.620 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
2022 2021
Sukuk Mudharabah BMI 2.440.856.000 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 484.237.625 384.237.625 Sukuk Profit Sharing
Pihak berelasi Related parties

Sukuk Mudharabah Subordinated Mudharabah
Subordinasi 2.000.000.000 -- Sukuk
Jumlah 6.525.093.625 4.425.093.625 Total
Sukuk Mudharabah Subordinasi Subordinated Mudharabah Sukuk

Berdasarkan akta Perjanjian Penerbitan Sukuk Based on the Mudharabah Sukuk Issuance
Mudharabah yang tercantum dalam akta Agreement listed in the Notary Ashoya Ratam,
Notaris Ashoya Ratam, S.H., M.Kn, No.9 tanggal S.H., M.Kn, No. 9 dated March 9, 2022, the Bank
9 Maret 2022, Bank menerbitkan Sukuk issued long term subordinated mudharabah sukuk
Subordinasi Mudharabah jangka panjang yang without public offering for a period of 10 years
dilakukan tanpa melalui penawaran umum from the date of issue amounting to
dengan jangka waktu 10 tahun sejak tanggal Rp2,000,000,000 with a sukuk holder ratio of
penerbitan sejumlah Rp2.000.000.000 dengan 58.04%.
Nisbah pemegang sukuk sebesar 58,04%.
Sukuk Mudharabah BMI BMI Mudharabah Sukuk

Sukuk Mudharabah BMI Merupakan surat It represents securities issued by Bank in the form
berharga yang diterbitkan Bank dalam bentuk of Mudharabah Sukuk with total principal amount
Sukuk Mudharabah dengan jumlah pokok of Rp2,440,856,000 to PT PPA. The Mudharabah
sebesar Rp2.440.856.000 kepada PT PPA. Sukuk Sukuk was not issued through public offering,
Mudharabah yang diterbitkan oleh Bank tidak instead it was issued through private placement.
melalui penawaran umum (public offering) tetapi
dilakukan dengan mekanisme penawaran
terbatas (private placement).
Berdasarkan akta Perjanjian Penerbitan Sukuk Based on the Mudharabah Sukuk Issuance
Mudharabah yang tercantum dalam akta Agreement listed in the Notary Ashoya Ratam,
Notaris Ashoya Ratam, S.H., M.Kn, No.20 S.H., M.Kn, No. 20 dated November 15, 2021,
tanggal 15 November 2021, Bank menerbitkan the Bank issued Mudharabah Sukuk for a period
Sukuk Mudharabah dengan jangka waktu of 20 years from the date of issue amounting to
20 tahun sejak tanggal penerbitan sejumlah 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.
- 102 -
(iv) Sukuk Mudharabah (lanjutan) (iv) Mudharabah Sukuk (continued)
Sukuk Mudharabah Trust Certificate: Trust Certificate Mudharabah Sukuk:
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 Rp1.600.000.000 kepada of Rp1,600,000,000 to Mawthuq SPC Limited. The
Mawthuq SPC Limited. Sukuk Mudharabah yang Mudharabah Sukuk was not issued through public
diterbitkan oleh Bank tidak melalui penawaran offering, instead it was issued through private
umum (public offering) tetapi dilakukan dengan placement. This Sukuk has a period of 20 (twenty)
mekanisme penawaran terbatas ( private years with three-phases period of issuance.
placement). Sukuk ini terdiri dari tiga tahap
penerbitan dengan jangka waktu total 20 (dua
puluh) tahun.
Adapun tiga tahap penerbitan Sukuk Mudharabah The three phases of issuance of 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
Mudharabah, saldo kewajiban Bank Muamalat investment plan will become the principal amount
atas Sukuk tersebut akan menjadi pokok Sukuk of the next phase. Ultimately, at the end of
Mudharabah periode selanjutnya. Hingga pada phase III, the total investment plan will amount to
akhir Tahap ke-3, saldo kewajiban Bank Rp8,000,000,000 on the account of Mawthuq SPC
Muamalat atas Sukuk Mudharabah sebesar Limited.
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 Mudharabah Limited for Mudharabah Sukuk in each phase are
pada setiap tahap, adalah sebagai berikut: as follows:
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 Subordinasi Subordinated Sharia Medium Term Notes
(SSMTN)
2022 2021
Medium Term Notes Subordinated Sharia Medium

Syariah Subordinasi I -- 100.000.000 Term Notes I
Jumlah -- 100.000.000 Total
- 103 -
(v) Medium Term Notes Syariah (lanjutan) (v) Sharia Medium Term Notes (continued)
Medium Term Notes Syariah Subordinasi This account represents securities issued in the
(MTNSS) merupakan surat berharga dengan akad form of medium-term Mudharabah contracts
Mudharabah berjangka waktu menengah yang issued by the Bank to the SSMTN holders,
dikeluarkan oleh Bank kepada Pemegang MTNS, offered to subscribers either through a Limited
yang ditawarkan oleh Penatalaksana kepada Offering or a Public Offering.
pemesan baik melalui Penawaran Terbatas
maupun Penawaran Umum.
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%. The Bank paid
Bank telah melakukan pelunasan MTNSS tersebut off this SSMTN on July 21, 2022.
pada tanggal 21 Juli 2022
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.
27. MODAL SAHAM 27. SHARE CAPITAL
Komposisi pemegang saham pada tanggal The composition of shareholders as of December 31,
31 Desember 2022 dan 2021 adalah sebagai berikut: 2022 and 2021 is as follows:
31 Desember 2022/
December 31, 2022
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 Nominal value of Rp200
(dalam nilai penuh) (in full amount)
Badan Pengelola Keuangan Badan Pengelola Keuangan
Haji 232.408.095 0,46% 46.481.619 Haji
Koperasi Perkayuan Koperasi Perkayuan Apkindo
Apkindo MPI 133.136.480 0,27% 26.627.296 MPI
Masyarakat (masing-masing
kepemilikan dibawah Public
0,20%) 461.104.600 0,92% 92.220.920 (each below 0.20%)
Jumlah Saham Seri A 826.649.175 1,65% 165.329.835 Total A Series Shares
Saham Seri B B Series Shares

Badan Pengelola Keuangan Badan Pengelola Keuangan
Haji 7.776.317.916 15,55% 777.631.792 Haji
Islamic Development Bank 1.020.770.234 2,04% 102.077.023 Islamic Development Bank
Reza Rhenaldi Syaiful 170.265.710 0,34% 17.026.571 Reza Rhenaldi Syaiful
Dewi Monita 170.250.000 0,34% 17.025.000 Dewi Monita
Andre Mirza Hartawan, MBA, Andre Mirza Hartawan,MBA,
Ir. 169.500.000 0,34% 16.950.000 Ir.
0,20%) 73.949.300 0,15% 7.394.929 (each below 0.20%)
Jumlah Saham Seri B 9.381.053.160 18,76% 938.105.316 Total B Series Shares
- 104 -
27. MODAL SAHAM (Lanjutan) 27. SHARE CAPITAL (Continued)
31 Desember 2022/
December 31, 2022
Saham Seri C C Series Shares

Badan Pengelola Badan Pengelola Keuangan
Keuangan Haji 33.333.333.334 66,64% 1.000.000.000 Haji
Andre Mirza Hartawan, Andre Mirza Hartawan,
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 466.682.303 0,93% 18.671.469 Andre Latidjah
Syaiful Amir 170.059.943 0,34% 5.101.798 Syaiful Amir
Siti Farida Syaiful 162.000.000 0,32% 4.860.000 Siti Farida Syaiful
kepemilkan dibawah Public
0,20%) 165.614.914 0,33% 297.448 (each below 0.20%)
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
31 Desember 2021/
December 31, 2021
Saham Seri A A Series Shares

Keuangan Haji 232.408.095 2,28% 46.481.619 Haji
Koperasi Perkayuan Koperasi Perkayuan Apkindo
Apkindo MPI 133.136.480 1,30% 26.627.296 MPI
kepemilkan dibawah Public
0,20%) 461.104.600 4,52% 92.220.920 (each below 0.20%)
Jumlah Saham Seri A 826.649.175 8,10% 165.329.835 Total A Series Shares
Saham Seri B B Series Shares

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
Andre Mirza Hartawan, Andre Mirza Hartawan,
MBA, Ir. 169.500.000 1,66% 16.950.000 MBA, Ir.
0,20%) 73.949.300 0,72% 7.394.929 (each below 0.20%)
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
- 105 -
Saham Bank terdiri dari saham Seri A, B dan C The Bank's shares consist of A, B and C Series
dengan hak suara dan hak dividen yang sama. shares, which have the same voting and dividend
Saham seri A adalah saham pendiri yang hanya rights. A series shares are founder shares which can
dapat dimiliki atau dipindahkan haknya kepada only be owned or transferred to Indonesian citizens,
warga negara Indonesia atau badan hukum yang or a corporation established under Indonesian laws
berkedudukan di Indonesia yang didirikan menurut and regulations, wherein the members of
perundang-undangan Indonesia dan para pengurus management should all be Indonesian citizens. B and
nya mayoritas mutlak adalah warga negara C series shares can be owned by either Indonesian or
Indonesia. Saham Seri B dan C adalah saham biasa foreign citizens or an Indonesian or foreign
yang dikeluarkan kemudian yang dapat dimiliki baik corporation.
oleh warga negara Indonesia maupun warga negara
asing atau badan hukum Indonesia maupun badan
hukum asing.
Sesuai dengan Akta Hibah No. 37, 38 dan 39 tanggal In accordance with the Deeds of Grant No. 37, 38
21 Juni 2021, Akta Hibah No. 22, 23 dan 24 tanggal and 39 dated June 21, 2021, Deeds of Grant No. 22,
15 November 2021 serta Addendum Akta Hibah No.27 23 and 24 dated November 15, 2021 and Addendum
tanggal 16 November 2021 yang dibuat oleh Notaris to the Deed of Grant No. 27 dated November 16,
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 with total amount of 7,903,112,181 shares or
kepemilikan saham BPKH di Bank Muamalat per equivalent to 77.42%. Thus, the total share
tanggal 16 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.
- 106 -
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.
Berdasarkan Rapat Umum Pemegang Saham Tahunan Based on the Annual General Meeting of
yang diselenggarakan pada tanggal 24 Juni 2022, Shareholders held on June 24, 2022, the
para pemegang saham telah memutuskan: shareholders have decided the:
a. Persetujuan Laporan Tahunan Bank Tahun Buku a. Approval of the Bank's 2021 Annual Report
2021 termasuk Laporan Tugas Pengawasan Dewan including the Supervisory Report of the Board of
Komisaris dan Dewan Pengawas Syariah untuk Commissioners and Sharia Supervisory Board for
Tahun Buku 2021 serta Pengesahan Laporan Fiscal Year 2021 and Ratification of the Bank's
Keuangan Bank Untuk Tahun Buku 2021; Financial Statements for Fiscal Year 2021;
b. Persetujuan Penggunaan Laba Bersih Bank Tahun b. Approval of the Use of Net Profit for Fiscal Year
Buku 2021; 2021;
c. Penunjukkan Kantor Akuntan Publik untuk c. Appointment of Public Accounting Firm to Audit
Melakukan Audit Laporan Keuangan Bank Tahun the Bank's Financial Statements for Fiscal Year
Buku 2022 dan Audit Lain yang Dibutuhkan Bank; 2022 and Conduct Other Audits Required by the
Bank;
d. Persetujuan tindakan penjaminan aset Bank d. Approval of pledging the Bank's assets as
sebagai jaminan utang Bank atau pihak lain atas collateral for funds borrowing of the Bank or other
fasilitas pembiayaan yang diberikan oleh PT Sarana parties with regard to financing facilities provided
Multigriya Finansial dan/atau pihak lain; by PT Sarana Multigriya Finansial and/or other
parties;
Berdasarkan Rapat Umum Pemegang Saham Based on the Annual General Meeting of
Tahunan dan Rapat Umum Pemegang Saham Luar Shareholders and the Extraordinary General Meeting
Biasa (RUPSLB) yang diselenggarakan pada tanggal of Shareholders held on August 30, 2021, the
30 Agustus 2021, para pemegang saham telah shareholders have decided the:
memutuskan:
a. Menyetujui perubahan Anggaran Dasar Perseroan a. Approval of the amendment to 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. Approval of the implementation of the Capital
Modal dengan memberikan Hak Memesan Efek Increase Plan through 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. Approval of the granting of authority and power
kepada Direksi Perseroan, dengan hak substitusi, to the Board of Directors of the Company, with
untuk melakukan semua dan setiap tindakan yang the right of substitution, to take all and every
diperlukan sehubungan dengan PUT VI. action deemed necessary in connection with the
Right Issue VI.
d. Menyetujui penerbitan instrumen subordinasi d. Approval of the issuance of subordinated
dengan nilai sebanyak-banyaknya instruments with a maximum value of
Rp2.000.000.000.000 (dalam angka penuh). Rp2,000,000,000,000 (in full amount).
- 107 -
yang diselenggarakan pada tanggal 29 April 2021, Shareholders held on April 29, 2021, the
para pemegang saham telah memutuskan: shareholders have decided the:
1. Persetujuan Laporan Tahunan Bank Tahun Buku 1. Approval of the Bank’s 2020 Annual Report
2020 termasuk Laporan Tugas Pengawasan Dewan including 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. Approval of the Use of Net Profit for Fiscal Year
Buku 2020; 2020;
3. Penunjukkan Kantor Akuntan Publik untuk 3. Appointment of Public Accounting Firm to Audit
Melakukan Audit Laporan Keuangan Bank Tahun the Bank’s Financial Statements for Fiscal Year
Buku 2021 dan Audit Lain yang Dibutuhkan Bank; 2021 and Conduct Other Audits Required by the
Bank;
Pemegang saham mayoritas Bank adalah Badan As of December 31, 2022 and December 31, 2021,
Pengelola Keuangan Haji (BPKH) Republik Indonesia the majority shareholder of the Bank is Badan
per tanggal 31 Desember 2022 dan 31 Desember Pengelola Keuangan Haji (BPKH) Republik Indonesia.
2021.
Pada tanggal 31 Desember 2022 dan 2021, terdapat As of December 31, 2022 and 2021, one member of
Dewan Komisaris yang menjadi pemegang saham the Board of Commissioner is a shareholder of the
Bank, yaitu Bapak Andre Mirza Hartawan, MBA, Ir. Bank, namely Mr. Andre Mirza Hartawan, MBA, Ir.
28. TAMBAHAN MODAL DISETOR 28. ADDITIONAL PAID-IN CAPITAL
Tambahan modal disetor terdiri dari : Additional paid in capital consists of :
Jumlah yang diterima dari: Proceeds from issuance of:
Penawaran Umum Terbatas VI, 2022 -- -- Limited Public Offering VI, 2022
Penawaran Umum Terbatas V, 2013 1.070.048.797 1.070.048.797 Limited Public Offering V, 2013
Penawaran Umum Terbatas IV, 2010 383.216.603 383.216.603 Limited Public Offering IV, 2010
Penawaran Umum Terbatas III, 2005 133.858.215 133.858.215 Limited Public Offering III, 2005
Penawaran Umum Terbatas II, 2002 662.290 662.290 Limited Public Offering II, 2002
Penawaran Umum Perdana 1993 143.553 143.553 Initial Public Offering 1993
Biaya emisi saham yang berasal Share issuance cost
dari: from:
Penawaran Umum Terbatas VI, 2022 (7.791.851) -- Limited Public Offering VI, 2022
Penawaran Umum Terbatas V, 2013 (4.854.701) (4.854.701) Limited Public Offering V, 2013
Penawaran Umum Terbatas IV, 2010 (1.983.700) (1.983.700) Limited Public Offering IV, 2010
Penawaran Umum Terbatas III, 2005 (493.727) (493.727) Limited Public Offering III, 2005
Penawaran Umum Terbatas II, 2002 (1.672.073) (1.672.073) Limited Public Offering II, 2002
Jumlah 1.571.133.406 1.578.925.257 Total
- 108 -
29. PENGGUNAAN LABA NETO 29. APPROPRIATION OF NET INCOME
yang diselenggarakan pada tanggal 24 Juni 2022, Shareholders held on June 24, 2022, the
para pemegang saham telah memutuskan untuk shareholders have decided to establish provision for
melakukan penyisihan seluruh laba neto tahun 2021 all net income in 2021 amounting to Rp8,927,051 to
sebesar Rp8.927.051 ke akun cadangan umum tahun the 2021 general reserve account.
2021.
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.
30. PENDAPATAN PENGELOLAAN DANA OLEH 30. REVENUE FROM FUND MANAGEMENT BY
BANK SEBAGAI MUDHARIB BANK AS MUDHARIB
2022 2021
Rupiah Rupiah
Pendapatan dari bagi hasil Income from revenue sharing
Musyarakah 638.357.550 891.406.297 Musyarakah
Mudharabah 60.220.589 61.583.299 Mudharabah
Jumlah 698.578.139 952.989.596 Total
Pendapatan dari penjualan Income from sales

Murabahah 433.650.340 755.860.824 Murabahah
Istishna 151.056 257.454 Istishna
Jumlah 433.801.396 756.118.278 Total
Pendapatan dari ijarah -neto 43.668 2.910.981 Income from ijarah-net
Pendapatan usaha utama Other main operating

lainnya income
Pendapatan bonus FASBIS 35.550.448 38.537.365 Bonus from FASBIS
Pendapatan bagi hasil Income from revenue sharing -
surat berharga - reksadana 13.571.501 7.683.173 mutual fund
Pendapatan bagi hasil surat Income from revenue sharing from
berharga 161.398.664 45.661.228 marketable securities
Pendapatan fee wesel ekspor 849.717 834.240 Export bill fee
Pendapatan bagi hasil Income from revenue sharing from
penempatan pada bank lain 382.233 181.171 placements with other banks
Pendapatan bonus Giro Bank 76.051 38.680 Income from CA Placement
Jumlah 211.828.614 92.935.857 Total

Pendapatan dari bagi hasil Income from revenue sharing
Musyarakah 23.707.120 17.076.490 Musyarakah
Mudharabah -- -- Mudharabah
Jumlah 23.707.120 17.076.490 Total
Jumlah dipindahkan 1.367.958.937 1.822.031.202 Total
- 109 -
30. PENDAPATAN PENGELOLAAN DANA OLEH 30. REVENUE FROM FUND MANAGEMENT BY
BANK SEBAGAI MUDHARIB (Lanjutan) BANK AS MUDHARIB (Continued)
2022 2021
Jumlah pindahan 1.367.958.937 1.822.031.202 Total forwarded
Pendapatan dari penjualan Income from sales

Murabahah 35.496.775 74.493.674 Murabahah
Istishna -- 134.615 Istishna
35.496.775 74.628.289
Pendapatan usaha
utama lainnya Other main operating income
Pendapatan bagi hasil Income from revenue sharing from
surat berharga 330.852.408 238.645.674 marketable securities
Keuntungan penjualan surat Gain on sale from marketable
berharga 24.477.888 3.076.720 securities
Keuntungan MTM surat berharga Gain on FVTPL marketable securities
FVTPL 2.269.610 1.210.199 MTM
Pendapatan bonus Sertifikat Bonus from Bank Indonesia Sharia
Bank Indonesia Syariah 3.301.756 139.983 Certificate
Pendapatan Bonus Giro Bank 47.205 58.273 Income from CA placement
Jumlah 360.948.867 243.130.849 Total
Jumlah 1.764.404.579 2.139.790.340 Total
31. HAK PIHAK KETIGA ATAS BAGI HASIL DANA 31. 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:
2022 2021
Deposito berjangka Mudharabah time

mudharabah 832.720.155 1.024.958.861 deposits
Tabungan mudharabah 159.081.859 158.679.122 Mudharabah saving deposits
Sukuk mudharabah dan MTN Subordinated mudharabah Sukuk
subordinasi 396.557.088 145.877.369 and MTN
Giro mudharabah 37.832.435 39.731.096 Mudharabah demand deposit
Beban bagi hasil Fund borrowing profit
pinjaman yang diterima 8.523.139 5.336.166 sharing
Jumlah 1.434.714.676 1.374.582.614 Total
- 110 -
32. PENDAPATAN OPERASIONAL LAINNYA 32. OTHER OPERATING INCOME
2022 2021
Jasa administrasi 948.017.478 423.382.338 Administration fees

Jasa layanan 97.031.949 84.026.857 Service fee
Jasa transaksi ATM 47.326.583 52.792.523 ATM transaction income
Jasa transaksi L/C 921.131 260.730 L/C transaction income
Lainnya 4.443.358 23.232.455 Others
Jumlah 1.097.740.499 583.694.903 Total
Jasa administrasi untuk tahun yang berakhir pada Administration fees for the years ended
tanggal 31 Desember 2022 dan 2021 masing-masing December 31, 2022 and 2021 is amounting to
sebesar Rp948.017.478 dan Rp423.382.338 dimana Rp948,017,478 and Rp423,382,338, respectively, of
masing-masing sebesar Rp846.937.847 dan which Rp846,937,847 and Rp325,630,782,
Rp325.630.782 merupakan penerimaan pembayaran respectively, represents receipt of payment for
atas debitur yang masuk dalam program pengalihan debtors included in the portfolio transfer and sale
dan penjualan portofolio. program.
33. BEBAN KARYAWAN 33. EMPLOYEE EXPENSES
2022 2021
Gaji, upah, tunjangan dan Salaries, wages, allowance and benefits

kesejahteraan karyawan tetap 569.698.669 623.797.602 for permanent employees
Pendidikan dan pelatihan 40.854.065 34.358.954 Education and training
Beban imbalan kerja Employee benefit expense
(Catatan 24) 24.634.820 25.062.089 (Note 24)
Jumlah 635.187.554 683.218.645 Total
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,
2022
Jumlah
Pegawai/
Number of Gaji/ Tunjangan/ Jumlah/
employee Salaries Allowance Total
Dewan Komisaris/ Board of Commissioners/

Komite Audit 7 5.772.666 4.093.771 9.866.437 Audit Committee
Direksi 5 10.098.800 15.084.065 25.182.865 Board of Directors
Dewan Pengawas Syariah 3 840.000 215.336 1.055.336 Sharia Supervisory Board
Pejabat Eksekutif 115 41.176.040 54.104.901 95.280.941 Executive officers
Jumlah 130 57.887.506 73.498.073 131.385.579 Total
- 111 -
33. BEBAN KARYAWAN (Lanjutan) 33. EMPLOYEE EXPENSES (Continued)
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
34. BEBAN UMUM DAN ADMINISTRASI 34. GENERAL AND ADMINISTRATIVE EXPENSES
2022 2021
Penyusutan aset tetap Depreciation of premises and

(Catatan 15) 115.329.253 138.282.042 equipment (Note 15)
Asuransi penjaminan pihak Insurance for third parties fund
ketiga (Catatan 43) 89.608.694 81.048.640 guarantee (Note 43)
Gaji, upah, tunjangan Salaries, wages and benefits for
karyawan outsourcing 83.842.463 79.330.479 outsourced employees
Sewa 57.327.383 66.397.864 Rent
Perbaikan dan pemeliharaan 56.981.702 56.679.393 Repair and maintenance
Listrik, air dan Electricity, water and
telekomunikasi 44.817.250 52.006.435 telecommunication
Promosi 20.102.071 16.624.447 Promotion
Beban kantor 15.478.239 15.784.324 Office expenses
Transportasi 8.895.229 7.875.166 Transportation
Biaya ATM 8.073.020 7.189.385 ATM expenses
Asuransi aset Insurance for premises and
tetap 3.013.509 3.593.027 equipment
Perlengkapan kantor 3.003.051 3.129.871 Office supplies
Perjalanan dinas 2.916.287 548.248 Business trip
Penyusutan aset hak guna Depreciation of right of use assets
(Catatan 16) 1.592.164 1.118.232 (Note 16)
Jumlah 510.980.315 529.607.553 Total
- 112 -
35. BEBAN (PEMBALIKAN) CADANGAN KERUGIAN 35. PROVISION FOR (REVERSAL OF) IMPAIRMENT
PENURUNAN NILAI ASET PRODUKTIF DAN LOSSES OF EARNING AND NON EARNING
NON PRODUKTIF ASSETS
2022 2021
Penempatan pada Bank lain -- (168.443) Placement with other Banks

Investasi Pada Surat Berharga (9.975.000) -- Investment In Marketable Securities
Piutang 78.856.065 (134.950.075) Receivables
Pembiayaan Musyarakah (18.048.287) 85.869.545 Musyarakah financing
Pinjaman Qardh 14.420.869 2.076.804 Funds of qardh
Pembiayaan Mudharabah (2.664.280) 1.013.968 Mudharabah financing
Tagihan akseptasi 2.919.447 61.080.982 Acceptance receivables
Aset lain-lain 63.557.291 (58.437.210) Other assets
Estimasi kerugian komitmen Estimated losses on commitments
dan kontinjensi 461.649 (695.290) and contingencies
Penyertaan Modal Sementara -- 60.242.400 Temporary equity investment
Jumlah 129.527.754 16.032.681 Total
36. BEBAN OPERASIONAL LAIN-LAIN 36. OTHER OPERATING EXPENSES
2022 2021
Beban fee collection, dana Collection fee, saving deposit,

tabungan giro dan deposito demand deposits and mudharabah
mudharabah 31.473.983 35.836.566 time deposits fee
Jasa konsultan 19.987.099 48.332.084 Consultant fees
Keperluan umum dan kegiatan General expenses for office
kantor 10.382.644 10.213.035 activities
Beban premi asuransi 6.417.273 5.585.830 Insurance premiums
Iuran keanggotaan 1.116.002 1.121.711 Membership fees
Lain-lain 2.201.447 2.240.139 Others
Jumlah 71.578.448 103.329.365 Total
37. PENDAPATAN NON OPERASIONAL 37. NON OPERATING INCOME
2022 2021
Pendapatan fee DPLK 10.130.746 11.333.242 Fee from DPLK

Pendapatan non usaha 3.304.625 15.482.394 Non operating income
Keuntungan penjualan Gain on sale of premises and
aset tetap (Catatan 15) 1.016.013 939.653 equipment (Note 15)
Jumlah 14.451.384 27.755.289 Total
- 113 -
38. BEBAN NON OPERASIONAL 38. NON OPERATING EXPENSES
2022 2021
Beban pajak 9.593.402 8.743.371 Tax expense

Sumbangan dan hadiah 1.358.401 872.933 Donation and gifts
Denda -- 800 Penalties
Beban penghapusan inventaris 173.842 460.658 Loss on sale of equipments
Lain-lain 49.192.245 24.642.150 Others
Jumlah 60.317.890 34.719.912 Total
Lain Lain untuk tahun yang berakhir pada tanggal 31 Others for the years ended December 31, 2022 is
Desember 2022 sebesar Rp49.192.245 dimana amounting to Rp49,192,245, of which Rp20,160,358,
sebesar Rp20.160.358 merupakan kerugian atas hasil represents a loss from the revaluation of premises
revaluasi aset tetap yang dilakukan pada tahun 2022. and equipment carried out in 2022.
39. LABA PER SAHAM 39. 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:
2022 2021
Laba bersih Net income

Laba bersih untuk Net income for computation
perhitungan laba per saham of basic earnings
dasar 26.581.068 8.927.051 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) 50.017.741.442 10.207.702.335 earnings per share (in full amount)
Laba Per Saham 0,53 0,87 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.
- 114 -
40. INFORMASI MENGENAI TRANSAKSI DENGAN 40. 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, Shareholders,
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 , Sukuk

Parent entity mudharabah subordinasi, Modal/
Mudharabah time deposit, Subordinated
mudharabah sukuk, share capital
PT Al Ijarah Indonesia Finance Entitas asosiasi/ Penyertaan saham, Giro wadiah,

Associate entity Deposito mudharabah/ investment in
shares, Wadiah demand deposit,
Mudharabah time deposit
PT Syarikat Takaful Indonesia Entitas asosiasi/ P e n y e r t a a n s ah am , de p o s i t 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 deposit and
Commissioner, Sharia supervisory Significant influence on mudharabah time deposits
board Bank’s activities
Baitul Maal Muamalat Hu bu n gan pen gendalian Giro wadiah dan deposito mudharabah /
melalui karyawan kunci/ Wadiah demand deposit and
Significant influence through mudharabah time deposits
key employees
- 115 -

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:
2022 2021
Aset Assets
Piutang murabahah (Catatan 8) Murabahah receivables (Note 8)
Karyawan kunci 2.934.438 3.001.452 Key Employees
2.934.438 3.001.452
Pinjaman qardh (Catatan 9) Funds of qardh (Note 9)
Pembiayaan musyarakah Musyarakah financing
Karyawan kunci 769.504 1.291.811 Key employees
769.504 1.291.811
Aset Ijarah Ijarah Asset
Karyawan kunci -- 14.563 Key employees
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 411.787.393 412.153.023 Total assets from related parties
Jumlah aset 61.363.584.209 58.899.174.319 Total assets
Persentase jumlah aset Percentage of total assets

dari pihak berelasi from related parties to
terhadap jumlah aset 0,67% 0,70% total assets
Liabilitas Liabilities
Asuransi Takaful/Baitul Asuransi Takaful/ Baitul Maal
Maal Muamalat/Dana Pensiun Muamalat/Dana Pensiun Lembaga
Lembaga Keuangan 10.522.157 12.390.177 Keuangan
Entitas asosiasi 1.380.007 1.401.527 Associate entities
Entitas induk 12.183.558 -- Parent entities
Komisaris -- 65.169 Commissioner
24.149.751 14.017.811
Tabungan wadiah Wadiah saving deposits

Asuransi Takaful/Baitul Asuransi Takaful/ Baitul Maal
Maal Muamalat/Dana Pensiun Muamalat/Dana Pensiun Lembaga
Lembaga Keuangan 2.616.009 900.652 Keuangan
Karyawan kunci 1.652.867 3.307.826 Key employees
4.268.876 4.208.478
Jumlah 28.418.627 18.226.289 Total
- 116 -

PIHAK BERELASI (Lanjutan) RELATED PARTIES (Continued)
2022 2021
Dana syirkah temporer Temporary syirkah fund

Surat Berharga yang
Diterbitkan Entitas induk 2.000.000.000 -- Securities Issued
Deposito mudharabah Mudharabah time deposits

Entitas induk 10.414.273.710 9.695.954.140 Parent entities
Entitas asosiasi 5.500.000 -- Associate entities
Dewan Pengawas Syariah -- 3.207.747 Sharia Supervisory Board
PT Syarikat Takaful/Baitul
Maal Muamalat/Dana PT Syarikat Takaful/Baitul
Pensiun Lembaga Maal Muamalat/ Dana Pensiun
Keuangan/Muamalat Lembaga Keuangan/ Muamalat
Institute 198.810.000 360.247.839 Institute
Tabungan mudharabah Mudharabah saving deposits

Asuransi Takaful/Baitul Maal Asuransi Takaful/Baitul Maal
Muamalat/Dana Pensiun Muamalat/Dana Pensiun
Lembaga keuangan 1.341.599 832.713 Lembaga keuangan

Asuransi Takaful/Baitul Maal Asuransi Takaful/Baitul Maal
Muamalat/Dana Pensiun Muamalat/Dana Pensiun
Lembaga keuangan 2.379.667 3.994.740 Lembaga keuangan
12.640.657.475 10.096.048.274
Estimasi liabilitas Estimated liabilities for
imbalan kerja employee benefit
Jumlah liabilitas dan dana Total liabilities and

syirkah temporer dari pihak temporary syirkah
berelasi 12.700.505.360 10.145.052.745 fund from related parties
Jumlah liabilitas dan dana Total liabilities and

syirkah temporer 56.161.634.635 54.912.825.770 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 22,61% 18,47% temporary syirkah fund
- 117 -
41. KOMITMEN DAN KONTINJENSI 41. COMMITMENTS AND CONTINGENCIES
Berikut adalah komitmen dan kontijensi pada tanggal The commitments and contingencies as of
31 Desember 2022 dan 2021 adalah sebagai berikut: December 31, 2022 and 2021 are as follows:
2022 2021
KOMITMEN COMMITMENTS
Liabilitas komitmen Commitment liabilities
Fasilitas pembiayaan yang Unused financing
belum digunakan 327.981.573 103.894.085 facilities
Fasilitas L/C yang masih Outstanding irrevocable letters
berjalan 112.227.913 2.703.920 of credit
Issuance of Domestic Letters
Penerbitan SKBDN 7.767.693 14.863.464 of Credit
Jumlah liabilitas komitmen 447.977.179 121.461.469 Total commitment liabilities
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingency receivables
Piutang dan pembiayaan hapus Written-off receivables and
buku 1.559.566.876 1.554.946.724 financing
Margin on non-performing
Margin dalam penyelesaian 47.442.893 45.679.894 receivables
Jumlah tagihan kontinjensi 1.607.009.769 1.600.626.618 Total contingency receivables
Liabilitas kontinjensi bank Contingency liabilities on bank
garansi 85.420.987 79.623.686 guarantees
Tagihan kontinjensi - neto 1.521.588.782 1.521.002.932 Receivables liabilities - net
42. INFORMASI SEGMEN 42. 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, 2022
Jabodetabek/ Jawa/ Sumatera/ Kalimantan/ Lainnya/ Jumlah/
Jabodetabek Java Sumatra Borneo Others Total
ASET ASSETS
Kas 227.358.774 191.816.155 121.443.507 44.059.342 117.501.488 702.179.266 Cash
Giro dan penempatan pada Current accounts and placements
Bank Indonesia 7.191.455.982 14.641 -- -- -- 7.191.470.623 with Bank Indonesia
Giro pada bank lain - neto 401.633.389 3.154.666 4.088.542 -- 112.077.736 520.954.333 Current accounts with other banks - net
Penempatan pada bank lain - neto 3.787.158 79.200 -- -- 38.870.260 42.736.618 Placements with other banks - net
Investasi pada surat berharga - Investment in marketable securities -
neto 27.855.377.312 -- -- -- -- 27.855.377.312 net
Piutang - neto 3.556.495.252 1.421.672.979 411.593.603 196.961.207 798.764.548 6.385.487.589 Receivables - net
Pinjaman qardh - neto 416.902.237 166.617.768 50.822.904 13.328.753 185.576.955 833.248.617 Funds of Qardh - net
Pembayaran mudharabah - bersih 341.548.128 202.268.827 7.995.524 -- 5.231.414 557.043.893 Mudharabah Financing - net
Pembiayaan musyakarah - bersih 7.647.611.092 1.936.051.411 379.818.849 225.178.682 227.453.914 10.416.113.948 Musyarakah Financing - net
Penyertaan saham - neto 347.468.837 -- -- -- -- 347.468.837 Investments in shares - net
Tagihan akseptasi - neto 34.454.845 11.578.475 -- -- 190.400 46.223.720 Acceptance receivables - net
Aset yang diperoleh untuk ijarah - Assets acquired for ijarah -
neto 588.348 261.890 19.513 -- 154 869.905 net
Aset tetap - neto 2.079.396.653 372.587.194 118.413.985 38.600.032 100.133.859 2.709.131.723 Premises and equipment - net
Aset pajak tangguhan - neto 139.908.777 -- -- -- -- 139.908.777 Deferred tax assets - net
Aset lain-lain - neto 3.031.550.853 369.596.388 107.109.567 24.513.886 82.598.354 3.615.369.048 Other assets - net
Jumlah aset 53.275.537.637 4.675.699.594 1.201.305.994 542.641.902 1.668.399.082 61.363.584.209 Total assets
Liabilitas segera 104.725.369 4.041.027 4.146.835 720.268 2.762.280 116.395.779 Liabilities due immediately
Simpanan 3.298.800.029 2.797.447.211 986.153.158 558.319.567 1.586.409.688 9.227.129.653 Deposits
Simpanan dari bank lain 13.864.985 24.021.894 2.257.799 307.336 18.940.511 59.392.525 Deposits from other banks
Bagi hasil yang belum dibagikan 52.057.968 9.169.503 3.148.859 1.610.196 2.316.422 68.302.948 Undistributed revenue sharing
Liabilitas akseptasi 3.328.680 5.361.583 -- -- 5.590.706 14.280.969 Acceptance payables
Utang pajak 16.115.821 3.030.924 1.180.226 500.166 737.437 21.564.574 Tax payables
Pinjaman yang diterima 500.000.000 -- -- -- -- 500.000.000 Fund borrowings
Estimasi kerugian komitmen dan Estimated losses on commitments
kontinjensi 325.042 60.611 195.530 168.305 104.722 854.210 and contingencies
Estimated liabilities for employment
Estimasi liabilitas imbalan kerja 125.465.511 -- -- -- -- 125.465.511 benefit
Liabilitas lain-lain 292.895.911 81.170.352 26.677.417 8.643.792 21.896.798 431.284.270 Other liabilities
Jumlah liabilitas 4.407.579.316 2.924.303.105 1.023.759.824 570.269.630 1.638.758.564 10.564.670.439 Total liabilities
- 118 -
42. INFORMASI SEGMEN (Lanjutan) 42. SEGMENT INFORMATION (Continued)
a. Segmen Geografis (lanjutan) a. Geographical Segment (continued)


Bukan bank Non Bank
Giro mudharabah 868.126.361 530.737.417 153.907.006 44.738.509 110.347.394 1.707.856.687 Mudharabah demand deposits
Tabungan mudharabah 3.075.991.897 3.355.468.403 1.435.674.673 783.937.411 1.413.971.780 10.065.044.164 Mudharabah savings deposits
Deposito mudharabah 18.202.942.125 3.876.661.220 1.413.913.788 657.590.399 991.977.588 25.143.085.120 Mudharabah time deposits
Bank Bank
Giro mudharabah 34.020.036 91.275.851 18.186.596 1.035.225 9.163.650 153.681.358 Mudharabah demand deposits
Tabungan mudharabah 67.685.338 397.039.633 105.139.252 7.183.131 67.511.021 644.558.375 Mudharabah savings deposits
Deposito mudharabah 108.136.737 518.127.130 157.761.000 136.950.000 436.670.000 1.357.644.867 Mudharabah time deposits

Sukuk mudharabah 4.525.093.625 -- -- -- -- 4.525.093.625 Mudharabah sukuk
Sukuk mudharabah subordinasi 2.000.000.000 -- -- -- -- 2.000.000.000 Subordinated mudharabah sukuk
MTN Syariah Subordinasi -- -- -- -- -- -- Subordinated Sharia MTN
Jumlah dana syirkah temporer 28.881.996.119 8.769.309.654 3.284.582.315 1.631.434.675 3.029.641.433 45.596.964.196 Total temporary syirkah funds
PENDAPATAN SEGMEN SEGMENT INCOME

Pendapatan dari penjualan 215.655.104 127.946.326 40.024.068 26.182.371 59.490.302 469.298.171 Income from sales
Pendapatan bagi hasil 463.935.853 165.251.281 47.211.877 19.426.306 26.459.942 722.285.259 Income from revenue sharing
Pendapatan ijarah - neto 11.831 17.195 99 12.168 2.375 43.668 Income from ijarah - net
Pendapatan usaha utama
lainnya 571.639.057 817.185 -- -- 321.239 572.777.481 Other main operating income
Pendapatan operasional lainnya 974.148.549 52.296.455 36.528.043 9.546.601 55.509.863 1.128.029.511 Other operating income
Pendapatan non operasional 11.982.890 1.003.463 520.975 288.251 655.805 14.451.384 Non operating income
Jumlah pendapatan segmen 2.237.373.284 347.331.905 124.285.062 55.455.697 142.439.526 2.906.885.474 Total segment income
BEBAN SEGMEN SEGMENT EXPENSES

Hak pihak ketiga atas bagi hasil Third parties’ share on return of
dana syirkah temporer 1.028.232.784 209.760.862 82.748.622 40.557.316 73.415.092 1.434.714.676 temporary syirkah funds
Beban operasional 1.173.290.580 3.108.321 82.788.442 26.604.787 74.059.901 1.359.852.031 Operating expenses
Beban non operasional 609.994.283 (248.377.395) (114.010.701) (59.309.585) (127.978.712) 60.317.890 Non operating expenses
Beban pajak 25.419.809 -- -- -- -- 25.419.809 Tax expenses
Jumlah beban segmen 2.836.937.456 (35.508.212) 51.526.363 7.852.518 19.496.281 2.880.304.406 Total segment expenses
LABA (RUGI) BERSIH (599.564.172) 382.840.117 72.758.699 47.603.179 122.943.245 26.581.068 NET INCOME (LOSS)

ASET ASSETS
Kas 249.613.014 210.410.922 119.908.289 39.400.346 125.857.574 745.190.145 Cash
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
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 4.425.093.625 -- -- -- -- 4.425.093.625 Mudharabah sukuk
Sukuk mudharabah subordinasi -- -- -- -- -- -- Subordinated 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
- 119 -
a. Segmen Geografis (lanjutan) a. Geographical Segment (continued)

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 813.880.406 284.197.549 120.353.782 57.214.776 98.936.101 1.374.582.614 temporary syirkah funds
Beban operasional 975.671.289 161.869.515 80.078.512 31.097.153 88.829.892 1.337.546.361 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)
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

Konsumer/ Mikro-Retail/ SME/ Korporasi/ Lainnya/ Jumlah/
Consumer Micro-Retail SME Corporate Others Total
ASET ASSETS
Piutang dan Pembiayaan 3.807.679.515 -- 2.826.296.735 12.187.456.555 -- 18.821.432.805 Receivable and financing
CKPN (92.397.488) -- (45.575.441) (491.565.829) -- (629.538.758) Allowance for Impairment losses
Non piutang dan Non pembiayaan -- -- -- 43.171.690.162 43.171.690.162 Non receivable and non financing
Jumlah Aset 3.715.282.027 -- 2.780.721.294 11.695.890.726 43.171.690.162 61.363.584.209 Total Assets
Pendanaan 41.292.327.730 -- -- 7.066.065.019 -- 48.358.392.749 Funding
Non pendanaan -- -- -- 14.280.969 12.990.910.491 13.005.191.460 Non funding
Jumlah Liabilitas 41.292.327.730 -- -- 7.080.345.988 12.990.910.491 61.363.584.209 Total Liabilities
PENDAPATAN INCOME
Pendapatan pengelolaan dana 477.775.496 -- 243.342.690 628.045.777 415.240.616 1.764.404.579 Revenue from fund management
Pendapatan usaha lainnya 581.680.256 -- 4.364.342 541.984.913 -- 1.128.029.511 Other operating income
Jumlah pendapatan segmen 1.059.455.752 -- 247.707.032 1.170.030.690 415.240.616 2.892.434.090 Total segment income
BEBAN EXPENSE
Hak pihak ketiga atas bagi hasil (982.348.968) -- -- (323.287.160) (129.078.548) (1.434.714.676) Third parties’ share on return
Beban CKPN (26.363.634) -- (19.568.730) (83.595.390) -- (129.527.754) Allowance for Impairment losses
Beban Usaha Lainnya (769.758.458) -- (132.975.624) (308.306.072) (19.284.123) (1.230.324.277) Other operating expenses
Jumlah beban segmen (1.778.471.060) -- (152.544.354) (715.188.622) (148.362.671) (2.794.566.707) Total segment expense
Pendapatan (beban) non

operasional-neto -- -- -- -- (45.866.506) (45.866.506) Non operating income (expense) - net
Laba sebelum pajak
penghasilan (719.015.308) -- 95.162.678 454.842.068 221.011.439 52.000.877 Income before tax
Beban pajak -- -- -- -- (25.419.809) (25.419.809) Tax expenses
Laba Neto (719.015.308) -- 95.162.678 454.842.068 195.591.630 26.581.068 Net Income

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
- 120 -
b. Segmen Operasi (lanjutan) b. Operating Segment (continued)

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 (1.191.867.580) -- -- (160.348.984) (22.366.050) (1.374.582.614) 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 (786.716.325) -- (173.750.023) (325.840.513) (51.239.500) (1.337.546.361) 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
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.
43. J A M I N A N PEMERINTAH TERHADAP 43. 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 2022 dan 2021, Insurance Corporation”, as of December 31, 2022 and
jumlah simpanan yang dijamin LPS adalah simpanan 2021, 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, 2022
31 Desember 2022 dan 2021, Bank adalah peserta and 2021, 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)
Rp89.608.694 dan Rp81.048.640 masing-masing amounted to Rp89,608,694 and Rp81,048,640 for the
untuk tahun yang berakhir pada tanggal 31 Desember years ended December 31, 2022 and 2021,
2022 dan 2021 (Catatan 34). respectively (Note 34).
- 121 -
44. MANAJEMEN RISIKO 44. 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 Bank's risk management implementation is based on
pada Peraturan Otoritas Jasa Keuangan (POJK) the Regulation of the Financial Services Authority
tentang Penerapan Manajemen Risiko Bagi Bank (FSA) about Implementation of risk management in
Umum Syariah dan Unit Usaha Syariah. Sharia Bank & Sharia Business Unit.
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.
audit.
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.
- 122 -
44. MANAJEMEN RISIKO (Lanjutan) 44. RISK MANAGEMENT (Continued)
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
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 Those lines of defense are an integral and inseparable
tidak terpisahkan untuk terciptanya penerapan part for quality improvement of risk management,
manajemen risiko yang berkualitas, berjalan dengan working effectively and optimized. The three lines
efektif dan optimal. Ketiga lini melakukan koordinasi coordinate regularly to ensure that risk management
secara rutin untuk memastikan manajemen risiko is applied to all levels within the Bank.
diterapkan pada seluruh jajaran di internal Bank.
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.
- 123 -
a. Risiko Kredit (Pembiayaan) a. Credit (Financing) Risk
Risiko kredit dalam pembiayaan terkait dengan Credit risk may arise related to the ability of the
kemampuan nasabah untuk memenuhi debtor to repay the funds borrowed in accordance
kewajibannya sesuai akad atau perjanjian yang to the contract that has been agreed by Bank and
telah ditetapkan antara Bank dan nasabah. debtor.
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. Melakukan perbaikan kerangka manajemen 1. Improving the credit risk management

risiko kredit antara lain: framework, among others:
a. Menyusun dan mengimplementasikan a. Developing and implementing financing
ketentuan pembiayaan baik pada segmen provisions in both the Wholesale and Retail
Wholesale maupun Retail serta melakukan segments and making improvements to
penyempurnaan ketentuan terkait provisions related to financing;
pembiayaan;
b. M e l a k u k a n kajian, reviu dan b. Establishing and implementing target
mengimplementasikan target market dan markets and Financing Allocation Limits
Financing Allocation Limit (FAL) secara (FAL) on a bankwide basis as a direction to
bankwide sebagai arah untuk melakukan finance sectors of the economy that have
pembiayaan pada sektor ekonomi yang good performance. This target market is
memiliki kinerja baik. Target market further implemented in the form of a target
diimplementasikan lebih lanjut dalam bentuk market and Risk Acceptance Criteria (RAC)
target market dan Risk Acceptance Criteria which are implemented according to the
(RAC) yang diimplementasikan sesuai characteristics of each financing segment.
karakteristik masing-masing segmen
pembiayaan.
2. Melakukan perbaikan proses manajemen risiko 2. Monitoring non-performing financing

kredit antara lain: consistently by:
a. Melaksanakan recovery bad bank, cash a. Carrying out bad bank recovery, cash
collection dan progress asset sale di unit collection and asset sale progress in bad
kerja bad bank segmen Wholesale maupun bank work units in the Wholesale and Retail
Retail; segments;
b. Menginisiasi Profit Based Performance b. Initiating a Profit Based Performance
Management Project dengan workstream Management Project with workstreams
antara lain Consumer Business Acceleration, including Consumer Business Acceleration,
Retail Business Solution, dan Wholesale Retail Business Solution, and Wholesale
Business Solution yang diinisiasi pada akhir Business Solution which was initiated at the
tahun 2022 dan dijalankan mulai awal tahun end of 2022 and is carried out starting in
2023, di mana pemantauan proyek ini early 2023, where monitoring of this project
dilakukan secara mingguan; is carried out on a weekly basis;
c. Melakukan pembiayaan untuk nasabah c. Financing for Wholesale segment customers
segmen Wholesale dengan fokus antara lain with a focus, among others, on:
pada:
1) Badan Usaha Milik Negara (BUMN) dan 1) State-Owned Enterprises (BUMN) and
perusahaan dengan peringkat (rating) companies with good ratings;
yang baik;
2) Pembiayaan sindikasi; 2) Syndicated financing;
3) Pembiayaan untuk usaha yang ramah 3) Financing for environmentally friendly
lingkungan/ green portfolio. businesses / green portfolio.
- 124 -
a. Risiko Kredit (Pembiayaan) (lanjutan) a. Credit (Financing) Risk (continued)
2. Melakukan perbaikan proses manajemen risiko 2. Monitoring non-performing financing

kredit antara lain: (lanjutan) consistently by: (continued)
d. Mengembangkan strategi untuk memperluas d. Developing strategies to expand the

pemasaran beberapa produk/ program marketing of several products / financing
pembiayaan segmen Retail Consumer, programs for the Retail Consumer segment,
antara lain: including:
1) ProHajj Plus; 1) ProHajj Plus;
2) KPR Hijrah; 2) KPR Hijrah (Mortgage);
3) Multiguna; 3) Multipurpose;
4) Pembiayaan pada Lembaga Keuangan 4) Financing on Islamic Financial Institution
Syariah (LKS) dan segmen Islamic. and Islamic segment.
e. Mengembangkan strategi bisnis Consumer e. Developing a Consumer Financing End to
Financing End to End Process dengan fokus End Process business strategy with a focus
penetrasi pada nasabah eksisting; on penetration of existing customers;
f. Melakukan pemantauan pada nasabah good f. Monitoring good bank customers, among
bank antara lain melalui pelaksanaan analisis others, through the implementation of
watchlist, post disbursement review, reviu watchlist analysis, post disbursement
tahunan dan covenant monitoring; reviews, annual reviews and covenant
monitoring;
g. Melakukan pemantauan portofolio g. Monitoring the financing portfolio per
pembiayaan per segmen bisnis dan sektor business segment and economic sector on a
ekonomi secara berkala; regular basis;
h. Melakukan pembaharuan dan pemantauan h. Updating and monitoring the utilization of
utilisasi limit Batas Maksimum Penyaluran the Maximum Fund Distribution Limit
Dana (BMPD) berdasarkan ketentuan (BMPD) based on applicable regulatory
regulator yang berlaku; provisions;
i. Melakukan percepatan collection dan i. Speeding up and facilitating the collection
recovery melalui inisiatif penyelesaian and recovery process by carrying out
pembiayaan bermasalah, antara lain: several initiatives, including the following:
1) Melakukan kerja sama dengan balai 1) Cooperating with private auction
lelang swasta untuk melakukan houses to conduct collateral sales;
penjualan agunan;
2) Membuat website asset selling yang 2) Creating an asset selling website that
dapat digunakan bersama-sama oleh can be used jointly by the Wholesale
segmen Wholesale maupun Retail; and Retail segments;
3) Mengoptimalkan ISAM Auction Tracker 3) Optimizing the ISAM Auction Tracker to
untuk memantau jumlah lelang dan monitor the number of auctions and
proses lelang yang masih pending. auction processes that are still
pending.
- 125 -
(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 7.191.470.623 -- -- -- 7.191.470.623 with Bank Indonesia
bank lain 563.690.951 -- -- 418.830 564.109.781 with other banks
Investasi pada surat berharga 27.755.362.247 100.015.065 -- -- 27.855.377.312 Investments in marketable securities
Piutang murabahah 3.397.482.090 1.551.398.730 1.483.778.610 262.493.285 6.695.152.715 Murabahah receivable
Piutang istishna 1.331.762 -- -- -- 1.331.762 Istishna receivable
Piutang ijarah -- -- -- 1.064.955 1.064.955 Ijarah receivable
Pinjaman qardh 662.265.369 61.655.296 63.527.452 77.530.154 864.978.271 Funds of qardh
Pembiayaan mudharabah 558.863.830 1.051.171 1.966.171 2.177.795 564.058.967 Mudharabah financing
Pembiayaan musyarakah 6.058.156.936 1.054.198.616 3.470.807.000 111.683.583 10.694.846.135 Musyarakah financing
Penyertaan saham -- 407.711.237 -- -- 407.711.237 Investment in shares
Tagihan akseptasi -- 17.082.306 -- 102.202.276 119.284.582 Acceptance receivables
Aset lain-lain *) -- 140.778.682 -- -- 140.778.682 Other assets*)
Jumlah 46.188.623.808 3.333.891.103 5.020.079.233 557.570.878 55.100.165.022 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 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
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
*) 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.
- 126 -
Kualitas pembiayaan didefinisikan sebagai Financing quality is defined as follows:

berikut:
Tingkat tinggi High grade
(a) Pembiayaan, piutang dan pinjaman yaitu (a) Financing, receivables, and funds are
pembiayaan, piutang dan pinjaman kepada financing, receivables and funds to
debitur dengan riwayat pembayaran yang borrowers with very satisfactory track record
sangat baik dan tidak pernah menunggak of 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; borrowers whose accounts has
direstrukturisasi, debitur dengan tingkat never been restructured; borrowers with
stabilitas dan keragaman yang tinggi; high degree of stability and diversity; has
memiliki akses setiap saat untuk access to raise substantial amounts of funds
memperoleh pendanaan dalam jumlah besar through public market at any time; very
dari pasar terbuka; memiliki kemampuan strong debt service capacity and has
membayar yang kuat dan rasio-rasio neraca conservative balance sheet ratios.
yang konservatif.
(b) Giro dan penempatan pada Bank Indonesia, (b) Current accounts and placements with Bank
giro dan penempatan pada bank lain yaitu Indonesia, current accounts and placements
giro atau penempatan pada institusi with other banks are current accounts or
Pemerintah, institusi Pemerintah Daerah, placements with the Sovereign, local
bank yang terdaftar di bursa serta transaksi government institutions, banks listed in the
dengan bank yang memiliki reputasi baik stock exchange and transaction with
dengan tingkat kemungkinan gagal bayar reputable banks with low probability of
atas kewajiban yang rendah. insolvency.
(c) Investasi pada surat berharga yaitu surat (c) Investments in marketable securities are
berharga yang diterbitkan oleh Pemerintah, securities issued by Government and
efek-efek dan obligasi yang termasuk dalam investment grade securities and bonds with
investment grade dengan rating minimal a rating of at least idBBB (Pefindo), BBB+
idBBB (Pefindo), BBB+ (S&P), Baa1 (S&P), Baa1 (Moody's) or BBB+ (Fitch).
(Moody's) atau BBB+ (Fitch).
(d) Tagihan akseptasi yaitu tagihan kepada (d) Acceptances receivable are receivables from
pihak ketiga yang belum jatuh tempo, dan third parties that have not yet matured and
memiliki kapasitas finansial yang kuat dalam has a strong financial capacity in terms of
hal pembayaran kembali seluruh repayment of all obligations in a time.
kewajibannya secara tepat waktu.
(e) Aset lain-lain yaitu piutang kepada (e) Other assets are receivables from Sovereign
Pemerintah (termasuk Bank Indonesia) atau (including Bank Indonesia) or local
Pemerintah Daerah seperti piutang government such as income receivables.
pendapatan yang masih akan diterima.
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
berharga yan g t er m as u k 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).
- 127 -
Tingkat standar (lanjutan) Standard grade (continued)
(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) In vestments in s h ar es r epr es en t

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 873.717 91.085 1.482.813.808 1.483.778.610 Murabahah receivables

Piutang istishna -- -- -- -- Istishna receivable
Piutang ijarah -- -- -- -- Ijarah receivables
Pinjaman qardh 3.645 -- 63.523.808 63.527.453 Funds of qardh
Pembiayaan mudharabah -- -- 1.966.171 1.966.171 Mudharabah financing
Pembiayaan musyarakah 7.451.712 38.415.918 3.424.939.369 3.470.806.999 Musyarakah financing
Jumlah 8.329.074 38.507.003 4.973.243.156 5.020.079.233 Total

 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
- 128 -
Tingkat standar (lanjutan) Standard grade (continued)
(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 2022 and 2021. Geographic grouping is
2022 dan 2021. 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 Indonesia 7.191.455.982 14.641 -- -- -- 7.191.470.623 with Bank Indonesia
bank lain 405.419.745 3.653.497 4.088.542 -- 150.947.997 564.109.781 with other banks
Investasi pada surat Investments in marketable
berharga 27.855.377.312 -- -- -- -- 27.855.377.312 securities
Piutang murabahah 2.137.552.417 2.331.306.545 557.837.338 465.016.010 1.203.440.405 6.695.152.715 Murabahah receivable
Piutang istishna -- 866.256 -- -- 465.506 1.331.762 Istishna receivable
Piutang ijarah 82.218 704.887 61.287 -- 216.563 1.064.955 Ijarah receivable
Piutang qardh 317.025.269 246.021.728 56.825.620 13.515.215 231.590.439 864.978.271 Funds of qardh
Pembiayaan mudharabah 285.677.097 265.021.327 8.076.287 -- 5.284.256 564.058.967 Mudharabah financing
Pembiayaan musyarakah 4.850.400.914 3.140.597.999 853.981.562 965.325.138 884.540.522 10.694.846.135 Musyarakah financing
Penyertaan saham 407.711.237 -- -- -- -- 407.711.237 Investment in shares
Tagihan akseptasi 106.636.471 12.474.323 -- -- 173.788 119.284.582 Acceptance receivables
Aset lain-lain *) 140.497.125 261.890 19.513 -- 154 140.778.682 Other assets*)
Jumlah 43.697.835.787 6.000.923.093 1.480.890.149 1.443.856.363 2.476.659.630 55.100.165.022 Total
Cadangan kerugian penurunan Allowance for impairment

nilai (763.260.850) losses
Bersih 54.336.904.172 Net
Rekening Administratif Administrative Accounts

Fasilitas pembiayaan yang
belum digunakan 290.700.798 16.953.650 2.095.332 -- 18.231.793 327.981.573 Unused financing facility
SKBDN yang diterbitkan 5.605.611 2.162.082 -- -- -- 7.767.693 Domestic Letters of Credit issued
Fasilitas L/C yang masih
berjalan 53.801 -- -- -- 112.174.112 112.227.913 Outstanding L/C
Bank garansi yang diterbitkan 22.745.127 31.994.380 5.216.000 17.252.627 8.212.853 85.420.987 Bank guarantees issued
Jumlah 319.105.337 51.110.112 7.311.332 17.252.627 138.618.758 533.398.166 Total

ASET ASSETS
Bank Indonesia 6.502.230.839 -- -- -- -- 6.502.230.839 with Bank Indonesia
bank lain 363.938.313 12.781.421 10.437.370 -- 14.441.431 401.598.535 with other banks
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

nilai (675.694.453) losses
Bersih 51.880.449.204 Net
- 129 -
(ii) Analisa konsentrasi risiko (lanjutan) (ii) Risk concentration analysis (continued)
(a) Sektor geografis (lanjutan) (a) Geographical sectors (continued)


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
*) 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, 2022 and 2021
2022 dan 2021 (tidak diaudit): (unaudited):
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 7.191.470.623 -- -- -- 7.191.470.623 Indonesia
Current accounts and placements with other
Giro dan penempatan pada bank lain -- 564.109.781 -- -- 564.109.781 banks
Investasi pada surat berharga 6.674.293.247 8.000.000.000 13.181.084.065 -- 27.855.377.312 Investments in marketable securities
Piutang murabahah 102.991.501 7.884.882 4.328.012.270 2.256.264.062 6.695.152.715 Murabahah receivable
Piutang istishna -- -- -- 1.331.762 1.331.762 Istishna receivable
Piutang qardh -- -- 590.732.020 274.246.251 864.978.271 Funds of qardh
Pembiayaan musyarakah 1.085.774.236 7.312.919 8.212.770.554 1.388.988.426 10.694.846.135 Musyarakah financing
Penyertaan saham -- -- 407.711.237 -- 407.711.237 Investment in shares
Tagihan akseptasi -- -- 119.284.582 -- 119.284.582 Acceptance receivables
Aset lain-lain *) 139.908.777 -- -- 869.905 140.778.682 Other assets*)
Jumlah 15.208.523.930 8.638.219.704 27.328.689.856 3.924.731.532 55.100.165.022 Total
Bersih 54.336.904.172 Net

Fasilitas pembiayaan yang belum
digunakan -- -- 327.981.573 -- 327.981.573 Unused financing facility
Penerbitan SKBDN -- -- 7.767.693 -- 7.767.693 Domestic Letters of Credit issued
Fasilitas L/C yang masih berjalan -- -- 112.227.913 -- 112.227.913 Outstanding L/C
Bank garansi yang diterbitkan -- -- 85.420.987 -- 85.420.987 Bank guarantees issued
Jumlah -- -- 533.398.166 -- 533.398.166 Total
- 130 -
(ii) Analisa konsentrasi risiko (lanjutan) (ii) Risk concentration analysis (continued)
(b) Sektor industri (lanjutan) (b) Industrial sectors (continued)
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, 2022 and 2021
tanggal-tanggal 31 Desember 2022 dan (unaudited): (continued)
2021 (tidak diaudit): (lanjutan)

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 qardh -- -- 585.697.266 103.472.060 689.169.326 Funds of qardh
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
*) 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 2022 dan As of December 31, 2022 and 2021,
2021, 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 2022 dan As of December 31, 2022 and 2021,
2021, 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 BPRS Dana
pada bank lain pada BPRS Dana Cipaganti, classified as default.
Cipaganti, dikelompokkan macet.
- 131 -
(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 2022 December 31, 2022 are classified as
dikelompokkan lancar sedangkan pada current and as of December 31, 2021
tanggal 31 Desember 2021 are classified as current except for
dikelompokkan lancar kecuali investasi investments in securities with A Series
surat berharga Sukuk Sumberdaya Sumberdaya Sewatama Sukuk I of 2012,
Sewatama I Tahun 2012 Seri A yang which are classified as loss.
dikelompokkan macet.
(d) Pembiayaan, piutang dan pinjaman (d) Financing, receivables and loans
Per tanggal 31 Desember 2022 dan As of December 31, 2022 and 2021, the
2021, rincian pembiayaan, piutang dan breakdown of not impaired and impaired
pinjaman yang tidak mengalami financing, receivables and funds are as
penurunan nilai dan yang mengalami follow:
penurunan nilai adalah sebagai berikut:
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 2.472.960.546 93.330.343 743.750.239 18.852.641 3.328.893.769 Business services
Perdagangan, Restoran, dan Hotel 620.319.813 387.574.326 1.139.338.601 82.086.534 2.229.319.274 Trading, restaurants and hotels
Industri Pengolahan 1.092.708.616 1.036.648.081 435.760.538 59.740.534 2.624.857.769 Manufacturing
Konstruksi 355.836.458 14.021.246 487.727.429 -- 857.585.133 Construction
Pengangkutan, Pergudangan dan Transport, cargo storage and
Komunikasi 724.763.437 213.761.511 179.810.650 257.033.329 1.375.368.927 communication
Jasa-Jasa Sosial/Masyarakat 1.898.953.409 50.952.553 305.113.784 2.657.261 2.257.677.007 Social/public services
Pertambangan 5.310.133 9.954.576 611.276.551 -- 626.541.260 Mining
Listrik, Gas, dan Air 328.099.398 475.687.313 617.064.683 -- 1.420.851.394 Water, gas and electricity
Pertanian, Kehutanan dan Sarana Agriculture, forestry and agricultural
Pertanian 313.453.102 1.125.739 172.858.527 15.869.548 503.306.916 facilities
Lain-Lain 2.865.695.075 385.248.124 327.378.230 18.709.924 3.597.031.353 Others
Jumlah 10.678.099.987 2.668.303.812 5.020.079.232 454.949.771 18.821.432.802 Total
Bersih 18.191.894.044 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 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
(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.
- 132 -
(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 dan risiko Market risk includes exchange rate risk, interest
benchmark suku bunga (on reporting maupun off rate risk benchmark (on and off reporting), as the
reporting), akibat perubahan secara keseluruhan result of overall changes in market conditions.
dari kondisi pasar.
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.
- 133 -
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 of foreign exchange rate against
fluktuasi atas nilai tukar mata uang asing terhadap Rupiah.
Rupiah.
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 (utilization and
utilisasi dan batas kerugian transaksi) yang transaction loss limit) carried out by treasury
dijalankan oleh unit kerja treasury baik work units for all foreign exchange, money
transaksi foreign exchange, money market, dan market, 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 in
berjenjang sesuai dengan kualifikasi yang accordance with qualifications established by
ditetapkan oleh unit Treasury; Treasury units;
3. Melakukan beberapa proyek inisiatif guna 3. Improving end to end treasury process
mendukung aktivitas treasury bersama unit improvements, among others:
terkait, antara lain:
a. Menginisiasi pengembangan treasury system a. Initiating the development of a treasury
yang sesuai kebutuhan transaksi dan system that suits the needs of transactions
pemantauan, di mana fase awalnya akan and monitoring, where the initial phase will
dimulai pada Januari 2023; begin in January 2023;
b. Melakukan transaksi remittance melalui b. Making remittance transactions through
sistem cash management MADINA; MADINA's cash management system;
c. Melaksanakan transaksi Sertifikat c. Carrying out Fund Management Certificate
Pengelolaan Dana berdasarkan Prinsip transactions based on Interbank Sharia
Syariah Antarbank (SIPA). Principles (SIPA).
4. Memantau rasio Posisi Devisa Neto (PDN) agar 4. Monitoring the Net Open Position (NOP) ratio so
tidak melanggar ketentuan internal dan as not to violate internal and regulatory
regulator; regulations;
5. Melaksanakan kaji ulang atas metode, asumsi, 5. 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 assessing
risiko pasar untuk penilaian profil risiko pasar. market risk profiles.
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.
- 134 -
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:
1. Melaksanakan fungsi Asset and Liability 1. Implementing the functions of the Asset and
Committee (ALCO) untuk membahas Liability Committee (ALCO) to discuss liquidity
manajemen likuiditas dan menetapkan strategi management and setting the related risk
pengelolaan risiko; management strategy;
2. Melakukan pemantauan likuiditas secara harian 2. 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;
3. Memantau pemenuhan ketentuan regulator 3. Monitoring fulfillment of regulatory regulations

yang berkaitan dengan likuiditas, seperti Giro related to liquidity matters, such as Minimum
Wajib Minimum (GWM), Penyangga Likuiditas Statutory Reserves, Macroprudential Liquidity
Makroprudensial (PLM), Rasio Intermediasi Buffer, Macroprudential Intermediation Ratio and
Makroprudensial (RIM), dan lain-lain; others;
4. Meningkatkan likuiditas Bank, antara lain 4. Improving the Bank's liquidity, among others by:
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;
b. Memperkuat layanan perbankan elektronik b. Strengthening electronic banking services and
dan meningkatkan aktivasi transaksi increasing customer transaction activation
nasabah melalui antara lain, pengembangan through, among others, the development of
transaksi tarik tunai tanpa kartu melalui cardless cash withdrawal transactions through
Indomaret, peluncuran Customer on Indomaret, the launch of Customer on
Boarding (COB), serta pengoptimalan Boarding (COB), and optimizing potential
potensi referral dari karyawan dengan referrals from employees by launching the
meluncurkan program Employee Get Employee Get Customer program.
Customer.
5. Melakukan kajian atas risiko likuiditas Bank 5. Conducting a review of the Bank's liquidity risk
melalui antara lain perhitungan stress test dan through, among others, stress test
kajian atas ambang batas (threshold) profil calculations and studies of the threshold of
risiko likuiditas. liquidity risk profile.
- 135 -

Tabel di bawah ini menyajikan informasi mengenai The tables below present 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:
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 -- -- -- -- 702.179.266 702.179.266 Cash
Giro dan penempatan pada Bank Current accounts and placements
Indonesia 7.191.470.623 -- -- -- -- 7.191.470.623 with Bank Indonesia
bank lain 560.293.423 3.816.358 -- -- -- 564.109.781 with other banks
berharga 750.000.000 15.408.164 3.308.852 27.086.660.296 -- 27.855.377.312 securities
Piutang murabahah 382.249.412 465.594.370 1.217.135.673 4.630.173.260 -- 6.695.152.715 Murabahah receivable
Piutang istishna -- -- -- 1.331.762 -- 1.331.762 Istishna receivable
Piutang ijarah 1.064.955 -- -- -- -- 1.064.955 Ijarah receivable
Piutang qardh 93.433.462 102.646.339 313.100.600 355.797.870 -- 864.978.271 Funds of qardh
Pembiayaan mudharabah 22.401.504 60.732.763 95.387.893 385.536.807 -- 564.058.967 Mudharabah financing
Pembiayaan musyarakah 453.251.482 619.572.922 1.771.261.650 7.850.760.081 -- 10.694.846.135 Musyarakah financing
Penyertaan saham -- -- -- -- 407.711.237 407.711.237 Investment in shares
Tagihan akseptasi 112.132.663 2.488.611 3.974.905 688.403 -- 119.284.582 Acceptance receivables
Aset lain-lain *) -- -- -- 869.905 139.908.777 140.778.682 Other assets*)
nilai aset produktif (383.033.524) (50.827.799) (48.717.103) (220.440.024) (60.242.400) (763.260.850) losses
Jumlah aset 9.183.264.000 1.219.431.728 3.355.452.470 40.091.378.360 1.189.556.880 55.039.083.438 Total assets
Liabilitas segera 116.395.779 -- -- -- -- 116.395.779 Liabilities due immediately
Simpanan 9.227.129.653 -- -- -- -- 9.227.129.653 Deposits
Simpanan dari bank lain 59.392.525 -- -- -- -- 59.392.525 Deposits from other banks
Bagi hasil yang belum dibagikan 68.302.948 -- -- -- -- 68.302.948 Undistributed revenue sharing
Liabilitas akseptasi 7.563.562 2.812.401 3.905.006 -- -- 14.280.969 Acceptance payables
Pinjaman yang diterima -- -- 500.000.000 -- -- 500.000.000 Fund borrowings
Liabilitas lain-lain 452.848.844 -- -- -- 126.319.721 579.168.565 Other liabilities
Jumlah liabilitas 9.931.633.311 2.812.401 503.905.006 -- 126.319.721 10.564.670.439 Total liabilities

Giro mudharabah 1.861.538.045 -- -- -- -- 1.861.538.045 Mudharabah demand deposits
Tabungan mudharabah 10.709.602.539 -- -- -- -- 10.709.602.539 Mudharabah savings deposits
Deposito mudharabah 20.000.456.791 3.159.918.349 3.340.354.847 -- -- 26.500.729.987 Mudharabah time deposits
Surat Berharga Yang
Diterbitkan -- -- -- 6.525.093.625 -- 6.525.093.625 Securities Issued
Jumlah dana syirkah
temporer 32.571.597.375 3.159.918.349 3.340.354.847 6.525.093.625 -- 45.596.964.196 Total temporary syirkah funds
Jumlah Liabilitas dan dana Total liabilities and temporary

syirkah temporer 42.503.230.686 3.162.730.750 3.844.259.853 6.525.093.625 126.319.721 56.161.634.635 syirkah funds
Perbedaan Jatuh Tempo (33.319.966.686) (1.943.299.022) (488.807.383) 33.566.284.735 1.063.237.159 (1.122.551.197) Maturity gap

Lebih dari 3 bulan
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
Jumlah aset 7.726.286.173 2.281.112.307 3.999.045.494 37.318.517.498 1.292.949.274 52.617.910.746 Total assets
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 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 396.723.304 -- -- -- 154.558.900 551.282.204 Other liabilities
Jumlah liabilitas 11.282.682.570 14.577.850 2.826.776 100.000.000 154.558.900 11.554.646.096 Total liabilities
- 136 -

Lebih dari 3 bulan

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 33.688.855.490 12.212.898.094 4.331.419.661 4.525.093.625 154.558.900 54.912.825.770 syirkah funds
Perbedaan Jatuh Tempo (25.962.569.317) (9.931.785.787) (332.374.167) 32.793.423.873 1.138.390.374 (2.294.915.024) 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
Risiko operasional adalah risiko yang disebabkan Operational risk is a risk caused by insufficiency or
oleh ketidakcukupan atau tidak berfungsinya malfunction of internal processes, human error,
proses internal, kesalahan manusia, kegagalan system failure, or the presence of external
sistem, atau adanya problem eksternal yang problems that affect the Bank's operations.
mempengaruhi operasional Bank.
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. Enhancing and implementing Loss Event

aplikasi Loss Event Database, Key Risk Indicator Database, Key Risk Indicator and Risk Control
dan Risk Control Self-Assessment yang Self-Assessment application used as operational
digunakan oleh Bank sebagai alat bantu untuk risk monitoring tools.
melakukan pemantauan risiko;
3. Secara kontinu, meningkatkan kualitas dan 3. Continuously, improving the quality and
kelengkapan dokumen pembiayaan melalui completeness of financing documents through
pelaksanaan validasi dan sinkronisasi data the implementation of data validation and
untuk kepentingan pelaporan kepada regulator; synchronization for the purposes of reporting to
regulators;
4. Meningkatkan ketahanan terhadap risiko 4. Increasing resilience to technology and

teknologi dan informasi untuk meningkatkan information risks to improve operational quality
kualitas operasional dari sisi Information & from the Information & Technology (IT) side
Technology (IT) melalui penetapan 3 (tiga) through the establishment of 3 (three) key
strategi kunci yaitu: strategies, namely:
a. Meningkatkan IT Service Excellent untuk a. Improving IT Service Excellent to support
mendukung pertumbuhan bisnis dan business growth and regulatory needs in
kebutuhan regulator di tahun 2023 hingga 2023 to 2024;
2024;
- 137 -
d. Risiko Operasional (lanjutan) d. Operational Risk (continued)
4. Meningkatkan ketahanan terhadap risiko 4. Increasing resilience to technology and

teknologi dan informasi untuk meningkatkan information risks to improve operational quality
kualitas operasional dari sisi Information & from the Information & Technology (IT) side
Technology (IT) melalui penetapan 3 (tiga) through the establishment of 3 (three) key
strategi kunci yaitu: (lanjutan) strategies, namely: (continued)
b. Memperkuat IT Security Infrastructure and b. Strengthening IT Security Infrastructure and

Operation di tahun 2023 hingga 2024; Operations from 2023 to 2024;
c. Memperkuat IT Digital and Smart Banking c. Strengthening the IT Digital and Smart
Platform di tahun 2023 hingga 2024. Banking Platform in 2023 to 2024.
5. Mengimplementasi proyek digitalisasi di tahun 5. Implementing digitalization projects in 2022,

2022, antara lain: including:
a. Customer on boarding dengan verifikasi a. Customer on boarding with customer
nasabah menggunakan fitur liveness; verification using the liveness feature;
b. Pendaftaran dan pelunasan dana ongkos haji b. Registration and repayment of hajj fare
melalui e-channel; funds through e-channel;
c. Penambahan fitur pembayaran dan isi ulang c. Added payment and top-up features on
di M-DIN; M-DIN;
d. Penambahan fitur kartu VISA Shar-e Debit; d. Added the VISA Shar-e Debit card feature;
e. Pengembangan fitur dan UI/UX lainnya di e. Feature development and other UI/UX
seluruh e-channel. across e-channels.
6. Sejalan dengan proyek Profit Based 6. In line with the Profit Based Performance
Performance Management, terdapat 2 (dua) Management project, there are 2 (two) streams
stream terkait sumber daya manusia, sebagai related to human resources, as follows:
berikut:
a. People and Organization, dengan output a. People and Organization, with the following
sebagai berikut: outputs:
1) Review People's Capability and Capacity; 1) People's Capability and Capacity Review;
2) Span of Control (Region and Supervisory 2) Span of Control (Region and Supervisory
Director); Director);
3) Internal Communication; dan 3) Internal Communications; and
4) New Spirit. 4) New Spirit
b. KPI and Performance Monitoring, dengan b. KPI and Performance Monitoring, with the
output sebagai berikut: following outputs:
1) Goal Setting; 1) Goal Setting;
2) Dashboard Monitoring; dan 2) Dashboard Monitoring; and
3) Cost Allocation. 3) Cost Allocation
7. Melaksanakan operational risk assessment 7. Performing Operational Risk Assessment for the
terhadap produk/aktivitas baru, kebijakan dan new product/activity, Bank's operational policies
prosedur operasional Bank; & procedures.
8. Mengoptimalkan peran Operational Risk 8. 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;
9. Melakukan kaji ulang atas ambang batas 9. Reviewing operational risk thresholds and
(threshold) risiko operasional dan melakukan simulating several operational risk event
simulasi atas beberapa skenario kejadian risiko scenarios.
operasional.
- 138 -
d. Risiko Operasional (lanjutan) d. Operational Risk (continued)
10. Melaksanakan inisiatif untuk peningkatan 10. 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; material via email blast;
b. Pelaksanaan pelatihan/ sosialisasi basic risk b. Implementing training/ socialization of
awareness; basic risk awareness;
c. Sosialisasi terkait tata cara pelaporan c. Disseminating the procedures for reporting
kejadian risiko operasional; operational risk events;
d. Penyampaian anti-fraud campaign melalui d. Submitting anti-fraud campaign via email
email blast. blast.
11. Melaksanakan perbaikan program anti-fraud 11. Im plementing anti-fraud pro gr am

melalui peluncuran sistem whistleblowing di improvements through the launch of a
akhir Desember 2022. whistleblowing system at the end of December
2022.
12. Meningkatkan ketahanan terhadap risiko 12. Developing and improving resilience to cyber
teknologi dan informasi dengan antara lain: threats, including:
a. Mengimplementasikan Web Application a. Implementing a Web Application Firewall

Firewall (WAF) untuk melindungi jaringan (WAF) to protect the internet channel
internet transaksi channel Bank; transaction network of the Bank;
b. Melakukan penambahan firewall; b. Implementing additional firewall;
c. Implementasi standar keamanan informasi c. Implementing sustainable information
yang berkelanjutan, antara lain reviu atas security standards, among others, by
ketentuan terkait (kebijakan dan prosedur, reviewing related provisions (policies and
rules, dan lain-lain). procedures, rules, etcetera).
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 pengelolaan mitra notaris melalui, 1. Manage notary partners through, among
antara lain: others:
a. Penyediaan kemitraan notaris untuk a. Provision of notary partnerships for the
kebutuhan transaksi pembiayaan dan needs of financing transactions and
menyampaikan informasi pengkinian daftar conveying information on updating notary
notaris; lists;
b. Penyampaian informasi atas rekapitulasi b. Submission of information on the
aktivitas notaris selama tahun 2022; dan recapitulation of notary activities during
2022; and
c. Secara paralel, unit kerja Financing c. In parallel, the Financing Operations work
Operations turut memantau kinerja notaris unit also monitors the performance of
yang telah diberikan order pengikatan. notaries who have been given binding
orders.
2. Memberikan tinjauan risiko hukum atas 2. Providing a review of legal risks to cooperation
perjanjian kerja sama dengan pihak lain, agreements with other parties, internal
ketentuan internal, opini legal, dan dokumen provisions, legal opinions, and other documents
lainnya untuk memitigasi adanya potensi to mitigate the existence of legal potential for
hukum bagi Bank; the Bank;
- 139 -
e. Risiko Hukum (lanjutan) e. Legal Risk (continued)
3. Melaporkan secara berkala kepada Direksi 3. Reporting regularly to the board of director the
mengenai kasus hukum yang terjadi sehingga case law that occurred so the action can be
dapat diambil tindakan sedini mungkin untuk taken as early as possible for its completion;
penyelesaiannya;
4. Melakukan pembaharuan atas prosedur terkait 4. Updating procedures related to notarial
pengelolaan notaris mitra Bank; management of Bank partners;
5. Membentuk pencadangan atas kasus-kasus 5. Establishing provision for law 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;
6. Apabila dibutuhkan, unit legal melakukan 6. 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 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 internal. 2. Coordinating with internal parties.
3. Melakukan koordinasi dengan pihak internal, 3. Coordinating with internal parties, among
antara lain dengan: others by:
a. Memberikan akses pemantauan media social a. Providing access to social media monitoring
(Digivla) dalam memantau isu di media (Digivla) in monitoring issues on social
sosial; media;
b. Melakukan pemantauan terhadap frekuensi b. Monitoring the frequency of feedbacks
umpan balik yang diperoleh melalui berbagai obtained through various social media
platform media sosial; platforms;
c. Melaksanakan berbagai pelatihan untuk c. Carrying out various trainings for branch
karyawan kantor cabang sebagai upaya office employees as an effort to improve
peningkatan perbaikan layanan; service improvement;
d. Mengimplementasikan digitalisasi perbaikan d. Developing digitalization of service
layanan melalui: improvement through:
1) Layanan Omnichannel yang berfungsi 1) The development of Omnichannel
untuk mengintegrasikan seluruh layanan services that serve to integrate all chat
berbasis chat dan email dalam satu and email-based services in one
platform; platform;
2) Penggunaan Aplikasi Pengelolaan 2) The development of Customer Handling
Penanganan Nasabah (APPN) berupa Management Application (APPN) in the
fitur notifikasi email kepada nasabah dan form of email notification feature to
user Bank atas setiap proses pengaduan. customers and Bank users for each
complaint process.
4. Melakukan koordinasi dengan pihak eksternal 4. Coordinate with external parties and add
dan menambah pemberitaan positif mengenai positive news about the Bank, among others
Bank, antara lain dengan: by:
a. Secara proaktif mengundang media nasional a. Proactively inviting the national media to
untuk meliput secara langsung kegiatan cover directly the Bank's corporate activities;
korporasi Bank;
- 140 -
f. Risiko Reputasi (lanjutan) f. Reputation Risk (continued)
4. Melakukan koordinasi dengan pihak eksternal 4. Coordinate with external parties and add
dan menambah pemberitaan positif mengenai positive news about the Bank, among others
Bank, antara lain dengan: (lanjutan) by: (continued)
b. Meningkatkan pendistribusian siaran pers ke b. Increase the distribution of press releases to

media rekanan partner media
c. Melakukan inisiatif media engagement c. Conduct media engagement initiatives
melalui kunjungan media through media visits
d. Menerbitkan publikasi positif untuk d. Publish positive publications to build and
membangun dan menyebarkan isu positif, spread positive issues, such as among
seperti antara lain penandatanganan others the signing of the Cooperation
Perjanjian Kerja Sama (PKS) antara Bank Agreement (PKS) between the Bank and the
dengan Perusahaan Umum Pembangunan Public Company for National Housing
Perumahan Nasional (Perum Perumnas), Development (Perum Perumnas), syndicated
pembiayaan sindikasi ke PT Pelabuhan financing to PT Pelabuhan Indonesia
Indonesia (Pelindo), dan pembukaan priority (Pelindo), and opening priority centers at
center di kantor cabang Buaran. Buaran branch.
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
terkait pelayanan kepada nasabah, serta guidelines regarding customer service, as well
laporan pengaduan nasabah. as customer 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.
Dalam memitigasi risiko strategi, Bank telah In order to mitigate strategic risk, the Bank has
melakukan: taken the following actions:
1. Menjalankan strategi bisnis dengan fokus 1. Carrying out a business strategy with a focus
kepada pertumbuhan bisnis dan sustainable on business growth and sustainable profit
profit melalui customer centric, contribution through customer centric, contribution margin,
margin, dan union strategy. and union strategy.
2. Memantau terciptanya efisiensi biaya dan 2. Monitoring the creation of cost efficiency and
pertumbuhan bisnis yang lebih profitable dan more profitable and sustainable business
sustainable dalam laporan Turn Around Plan growth in the Turn Around Plan which is
yang disampaikan kepada Direksi secara submitted to the Board of Directors on a
berkala; regular basis;
3. Mempersiapkan proses listing di Bursa Efek 3. Preparing the listing process on the Indonesia
Indonesia (BEI), antara lain melalui penunjukan Stock Exchange (IDX), among others, through
lembaga profesi penunjang pasar modal dan the appointment of professional institutions
finalisasi laporan keuangan Bank serta supporting the capital market and finalizing the
melakukan persiapan Rapat Umum Pemegang Bank's financial statements as well as preparing
Saham untuk proses listing; the General Meeting of Shareholders for the
listing process;
- 141 -
g. Risiko Stratejik (lanjutan) g. Strategic Risk (continued)
4. Menginisiasi pelaksanaan proyek Profit Based 4. Initiating the implementation of the Profit
Performance Management yang dikembangkan Based Performance Management project
melalui beberapa workstream, yaitu: developed through several workstreams,
namely:
a. People and Organization; a. People and Organization;
b. Consumer Business Acceleration; b. Consumer Business Acceleration;
c. Retail Business Solution; c. Retail Business Solution;
d. Wholesale Business Solution; d. Wholesale Business Solution;
e. KPI and Performance Monitoring. e. KPI and Performance Monitoring.
Proyek ini mulai dilaksanakan pada awal tahun The project will be implemented in early 2023.
2023.
5. Melakukan insiasi proyek dimana Bank sebagai 5. Initiating a project in which the Bank acts as a
Bank Penyalur Gaji (BPG) Aparatur Sipil Negara Salary Distribution Bank (BPG) of the State Civil
(ASN) yang telah mendapatkan ijin prinsip dari Apparatus (ASN) which has obtained a principle
Kementerian Keuangan pada Januari 2023; permit from the Ministry of Finance in January
2023;
6. Melaksanakan beberapa insiasi stratejik, antara 6. Carrying out several strategic initiatives,
lain berkolaborasi dengan BPKH sebagai including collaborating with BPKH as a
custodian surat berharga dan melakukan custodian of securities and managing and
pengelolaan dana investasi dan disalurkan pada distributing investment funds to
sektor/usaha yang dikehendaki investor dalam sectors/businesses desired by investors in the
bentuk Time Deposit Mudharabah Muqayyadah form of Mudharabah Muqayyadah Time Deposit
(TD-MUMU). Saat ini dalam proses (TD-MUMU). Currently in the process of
pengembangan dan pengajuan ijin kepada OJK; developing and applying for permits to the FSA;
7. Melakukan kaji ulang atas metode, asumsi dan 7. Reviewing the methods, assumptions and
variabel atas pengungkapan manajemen risiko variables for the disclosure of risk management
untuk kepentingan laporan keuangan, laporan for the purposes 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.
- 142 -
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, provisions, systems, and
maupun prosedur yang dimiliki Bank dengan procedures owned by the Bank with the
ketentuan perundang-undangan dan ketentuan applicable provisions of legislation and sharia
syariah yang berlaku, salah satunya dengan provisions, 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. Melakukan perbaikan atas ketidaklengkapan 6. Making improvements to the incompleteness

pelaporan kepada regulator berkoordinasi of reporting to be submitted to regulator by
dengan unit lain; coordinating with related units;
7. Mengimplementasikan report reminder tools 7. Implementing report reminder tools owned by

yang dimiliki Bank dalam upaya melakukan the Bank in an effort to make monthly routine
reminder rutin bulanan kepada seluruh unit reminder to all work units that have reporting
kerja yang memiliki kewajiban pelaporan obligations to deliver accurate and timely
menyampaikan laporan secara akurat dan tepat reports;
waktu;
8. Melakukan supervisi dan pendampingan kepada 8. 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, socialization 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 to the internal bank;
maupun kepada pihak internal bank;
9. Melakukan perbaikan dan penyempurnaan atas 9. 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;
10. Melakukan Compliance Assurance dan Anti 10. Conducting compliance Assurance and AML
Money Laundering (AML) testing; testing;
- 143 -
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)
11. Memberikan tinjauan aspek kepatuhan 11. 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;
12. Mengembangkan Compliance Checklist untuk 12. 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;
13. Memantau pelaksanaan GCG secara periodik 13. Monitoring the GCG implementation
dan menyampaikannya pada manajemen; periodically and communicating it to the
management;
14. Melakukan penguatan atas penerapan 14. 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. Menetapkan pricing dana dan pembiayaan pada 1. Establishing the pricing of funds and financing
level tertentu yang dibahas dalam rapat ALCO; at a certain level discussed in the ALCO
meeting;
- 144 -
i. Risiko Imbal Hasil (Lanjutan) i. Rate of Return Risk (Continued)
2. Meningkatkan komposisi funding nasabah 2. Increasing the composition of customer funding

sesuai target pendanaan yang berfokus pada according to business target that focus on
peningkatan dana murah (low cost); increasing on low cost funds;
3. Menurunkan konsentrasi pada nasabah besar 3. Lowering the concentration on large customers
dengan pricing yang mahal untuk with expensive pricing to optimize profitability
mengoptimalkan profitabilitas sesuai dengan in accordance with bankwide strategy;
bankwide strategy;
4. Mengontrol dan mengevaluasi cost of funds 4. Controling and evaluating the cost of funds
(COF) dan Net Income Margin (NIM) secara (COF) and Net Income Margin (NIM)
berkala; periodically;
5. Menjaga kualitas pembiayaan. 5. Maintaining financing quality.
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. Menetapkan target market dan FAL secara 2. Setting target markets and FAL bankwide as
bankwide sebagai arah pembiayaan yang juga financing directions that also have an impact
berdampak pada risiko investasi; on investment risk;
3. Melakukan kajian atas kinerja pembiayaan 3. 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 en g e m b a n gkan ket en t u an pr o du 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.
4. Melakukan perbaikan sistem untuk mendukung 4. Improving the system to support financing
pembiayaan dengan akad bagi hasil. with a revenue sharing contract.
- 145 -
45. NILAI WAJAR ASET DAN LIABILITAS 45. 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 available information as of December 31, 2022 and
31 Desember 2022 dan 2021 dan tidak diperbaharui 2021 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 702.179.266 702.179.266 Cash
Bank Indonesia 7.191.470.623 7.191.470.623 with Bank Indonesia
Giro pada bank lain 520.954.333 520.954.333 Current accounts with other banks
Penempatan pada Bank lain 43.155.448 43.155.448 Placement with other banks
Investasi pada surat berharga 27.855.377.312 27.853.499.681 Investments in marketable securities
Piutang 6.697.549.432 6.697.549.432 Receivable
Piutang qardh 864.978.271 864.978.271 Funds of qardh
Pembiayaan mudharabah 564.058.967 564.058.967 Mudharabah financing
Pembiayaan musyarakah 10.694.846.135 10.694.846.135 Musyarakah financing
Penyertaan saham 407.711.237 407.711.237 Investment in shares
Aset pajak tangguhan 139.908.777 141.029.744 Deferred tax assets
Aset lain-lain 3.615.369.048 3.615.369.048 Other assets
LIABILITAS DAN DANA LIABILITIES AND TEMPORARY

SYIRKAH TEMPORER SYIRKAH FUNDS
Liabilitas segera 116.395.779 116.395.779 Liabilities due immediately
Simpanan 9.227.129.653 9.227.129.653 Deposits
Simpanan dari bank lain 59.392.525 59.392.525 Deposits from other banks
Bagi hasil yang belum dibagikan 68.302.948 68.302.948 Undistributed revenue sharing
Liabilitas akseptasi 14.280.969 14.280.969 Acceptance payables
Dana syirkah temporer 45.596.964.196 45.596.964.196 Temporary syirkah funds
Total liabilitas dan dana Total liabilities and temporary
syirkah temporer 55.582.466.070 55.582.466.070 syirkah funds
- 146 -
45. NILAI WAJAR ASET DAN LIABILITAS 45. 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 as of December 31, 2022 and
tanggal 31 Desember 2022 dan 2021 dan tidak 2021 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 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 26.935.960.511 26.938.528.680 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
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
- 147 -
46. RASIO KEWAJIBAN PENYEDIAAN MODAL 46. CAPITAL ADEQUACY RATIO

MINIMUM
Pada tanggal 31 Desember 2022 dan 2021, rasio As of December 31, 2022 and 2021, the Minimum
Kewajiban Penyediaan Modal Minimum (KPMM) Required Capital Adequacy Ratio (CAR) is calculated
Bank dihitung berdasarkan Peraturan Otoritas based on Regulation of Financial Services Authority
Jasa Keuangan No. 21/POJK.03/2014 tanggal (OJK) No.21/POJK.03/2014 dated November 18, 2014
18 November 2014 tentang kewajiban penyediaan regarding Sharia Bank Minimum Required Capital,
Modal Minimum Bank Umum Syariah, yang mencabut which revokes the previous regulation; and based on
peraturan sebelumnya; dan berdasarkan Surat OJK circular Letter No. 12/SEOJK.03/2015 dated
Edaran OJK No.12/SEOJK.03/2015 tanggal 27 April April 27, 2015. The CARs are as follows:
2015. Rasio KPMM tersebut adalah sebagai berikut:
2022 2021
MODAL INTI PRIMARY CAPITAL

Modal disetor 2.297.736.324 1.103.435.151 Paid-in capital
Komponen Modal Lainnya 2.498.451.142 3.735.435.189 Other Equity Component
Jumlah modal inti 4.796.187.466 4.838.870.340 Total primary capital
MODAL PELENGKAP SECONDARY CAPITAL

Pinjaman subordinasi 2.000.000.000 100.000.000 Subordinated financing
Cadangan umum penyisihan General reserve of allowance for
kerugian aset produktif impairment losses of earning assets
(maksimum 1,25% dari ATMR) 176.309.869 247.070.480 (maximum at 1.25% of RWA)
Jumlah modal pelengkap 2.176.309.869 347.070.480 Total secondary capital
Total Modal 6.972.497.335 5.185.940.820 Total Capital
Aset Tertimbang Menurut Risiko Risk Weighted assets

(ATMR) (RWA)
ATMR Risiko Kredit 19.330.326.830 19.727.215.702 RWA For Financing Risk
ATMR Risiko Pasar 33.998.130 12.747.880 RWA For Market Risk
ATMR Risiko Operasional 1.958.456.250 2.086.823.750 RWA For Operational Risk
Total Aset Tertimbang Menurut
Risiko 21.322.781.210 21.826.787.332 Total Risk Weighted Assets
RASIO KPMM Capital Adequacy Ratio

Rasio CET 1 22,49% 22,17% CET 1 ratio
Rasio Tier 1 22,49% 22,17% Tier 1 Ratio
Rasio Tier 2 10,21% 1,59% Tier 2 Ratio
Total Rasio 32,70% 23,76% Total Ratio
Rasio KPMM yang diwajibkan 10,00 - 11,00% 10,00 - 11,00% Required CAR
47. POSISI DEVISA NETO 47. 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.
- 148 -
47. POSISI DEVISA NETO (Lanjutan) 47. NET OPEN POSITION (Continued)
Berikut adalah PDN Bank pada tanggal 31 Desember The Bank’s NOP as of December 31, 2022 and 2021
2022 dan 2021 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 2.433.840.450 2.493.871.196 60.030.746 United States Dollar
Euro 3.294.886 67 3.294.819 Euro
Ringgit Malaysia 162.615.084 1.108.118 161.506.966 Malaysian Ringgit
Dolar Singapura 4.800.630 1.729.358 3.071.272 Singapore Dollar
Riyal Arab Saudi 2.702.727 -- 2.702.727 Saudi Arabian Riyal
Yen Jepang 398.410 -- 398.410 Japanese Yen
Dinar Kuwait 508.742 -- 508.742 Kuwaiti Dinar
Jumlah 2.608.160.929 2.496.708.739 231.513.682 Total
Laporan Posisi Keuangan dan Statement of Financial Position
Rekening Administratif*) and Administrative Accounts*)
Euro 3.294.886 67 3.294.819 Euro
Dolar Singapura 4.800.630 1.729.358 3.071.272 Singapore Dollar
Jumlah 2.837.593.614 2.849.564.484 31.922.810 Total
Modal (Catatan 46) 6.972.497.335 Capital (Note 46)
NOP Ratio (Statement of Financial
Rasio PDN (Laporan Posisi Keuangan) 3,32% Position)
Rasio PDN (Keseluruhan) 0,46% NOP Ratio (Overall)

Posisi Devisa
Aset/ Liabilitas/ Neto/
Mata uang Assets Liabilities Net Open Position Currencies
Laporan Posisi Keuangan*) Statement of Financial Position*)

Euro 1.830.622 336.033 1.494.589 Euro
Dolar Singapura 2.596.718 1.822.231 774.487 Singapore Dollar
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 46) 5.185.940.820 Capital (Note 46)
NOP Ratio (Statement of Financial
Rasio PDN (Laporan Posisi Keuangan) 1,03% Position)
Rasio PDN (Keseluruhan) 0,15% NOP Ratio (Overall)
*) Merupakan penjumlahan absolut dari selisih aset dan *) Total absolute differences between Assets and Liabilities.
liabilitas.
- 149 -
48. PERJANJIAN PENTING 48. 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 Karlin a. Agreement with PT Karlin Mastrindo regarding
Mastrindo tentang Pengadaan Seat the Procurement of Seat Management of
Management Perangkat Desktop dan Notebook Desktop Device and Notebook, with a value of
dengan nilai kontrak sebesar Rp13.550.400. Rp13,550,400. This agreement shall come into
Perjanjian ini berlaku mulai pada tanggal effect on November 23, 2022 and will expire on
23 November 2022 dan akan berakhir pada December 31, 2031.
tanggal 31 Desember 2031.
b. Perjanjian Kerjasama dengan PT Citra Sentosa b. Agreement with PT Citra Sentosa Solusindo
Solusindo tentang Pengadaan dan Pemeliharaan regarding the Procurement and Maintenance of
Perangkat Storage dan Backup untuk Data Storage Devices and Backup for Data Center
Center (DC) dan Disaster Recovery Center (DC) and Disaster Recovery Center (DRC) of
(DRC) Core Banking Bank Muamalat dengan Core Banking of Bank Muamalat with a value of
nilai sebesar Rp11.400.000. Perjanjian ini Rp11,400,000. This agreement came into effect
berlaku mulai pada tanggal 04 Oktober 2022 on October 04, 2022, and will expire on July
dan akan berakhir pada tanggal 03 Juli 2025. 03, 2025.
c. Perjanjian Kerjasama dengan PT Nomina c. Agreement with PT Nomina Teknograsi
Teknograsi Indodata tentang Pemeliharaan Indodata regarding the Maintenance of Firewall
Firewall Fortinet, dengan nilai kontrak sebesar Fortinet, with a value of Rp1,900,000. This
Rp1.900.000. Perjanjian ini berlaku mulai pada agreement came into effect on October 04,
tanggal 04 Oktober 2022 dan akan berakhir 2022 and will expire on February 02, 2023.
pada tanggal 02 Februari 2023.
d. Perjanjian Kerjasama dengan PT Nomina d. Agreement with PT Nomina Teknograsi

Teknograsi Indodata tentang Pengadaan dan Indodata regarding the Procurement and
Pemeliharaan Server VMware untuk Pemenuhan Maintenance of VMware Server for Fulfillment
Gap DC-DRC dengan nilai sebesar Rp1.324.640. of DC-DRC Gap, with a value of Rp1,324,640.
Perjanjian ini berlaku mulai pada tanggal This agreement came into effect on
26 September 2022 dan akan berakhir pada September 26, 2022, and will expire on
tanggal 30 September 2025. September 30, 2025.
e. Perjanjian Layanan Sistem Web Application e. Agreement of Web Application Firewall (WAF)
Firewall (WAF) dengan PT Prima Integrasi System Service with PT Prima Integrasi
Solusindo, dengan nilai kontrak sebesar Solusindo, with a value of Rp1,159,950. This
Rp1.159.950. Perjanjian ini berlaku mulai pada agreement came into effect on December 5,
tanggal 05 Desember 2022 dan akan berakhir 2022 and will expire on October 06, 2023.
pada tanggal 06 Oktober 2023.
f. Perjanjian Kerjasama dengan PT Defender Nusa f. Agreement with PT Defender Nusa Semesta
Semesta tentang Pengadaan dan Pengelolaan regarding the Procurement and Management of
Security Operation Center (SOC) dan Security Security Operation Center (SOC) and Security
Device Management (SDM) dengan nilai kontrak Device Management (SDM), with a value of
sebesar Rp1.015.650. Perjanjian ini berlaku Rp1,015,650. This agreement came into effect
mulai pada tanggal 25 Oktober 2022 dan akan on October 25, 2022 and will expire on July 31,
berakhir pada tanggal 31 Juli 2023. 2023.
g. Perjanjian Layanan payroll Bank Muamalat bagi g. Bank Muamalat Payroll Service Agreement for
Karyawan Nasabah dengan NPCI Provinsi Customer Employees with NPCI Papua
Papua, dengan nilai kontrak sebesar Province, with a value of Rp1,000,000. This
Rp1.000.000. Perjanjian ini berlaku mulai pada agreement came into effect on November 01,
tanggal 01 November 2022 dan akan berakhir 2022 and will expire on November 01, 2027.
pada tanggal 01 November 2027.
- 150 -
48. PERJANJIAN PENTING (Lanjutan) 48. SIGNIFICANT AGREEMENTS (Continued)
Bank menandatangani beberapa perjanjian penting The Bank has signed several important agreements
seperti yang tersebut dibawah: as described below:
h. Perjanjian Kerjasama dengan PT Nomina h. Agreement with PT Nomina Teknograsi
Teknograsi Indodata tentang Pengadaan Seat Indodata regarding the Procurement of
Management Perangkat Desktop dan Notebook Desktop Device of Seat Management and
pada tanggal 23 Mei 2019 dengan nilai kontrak Notebook, with a value of Rp15,398,884. This
sebesar Rp15.398.884. Perjanjian ini berlaku agreement came into effect on May 23, 2019
mulai pada tanggal 23 Mei 2019 dan akan and will expire on May 22, 2022.
berakhir pada tanggal 22 Mei 2022.
i. Perjanjian Kerjasama dengan PT Citra Sentosa i. 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.
j. Perjanjian Kerjasama dengan PT Simian j. Agreement with PT Simian Solutions regarding

Solutions tentang Jasa Implementasi Aplikasi Medallion Sales Application Implementation
Medallion Sales, dengan nilai kontrak sebesar sServices, with a value of Rp2,650,000. This
Rp2.650.000. Perjanjian ini berlaku mulai pada agreement came into effect on December 22,
tanggal 22 Desember 2020 dan akan berakhir 2020 and will expire on December 31, 2026.
pada tanggal 31 Desember 2026.
k. Perjanjian Kerjasama dengan PT Mastersystem k. 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 December 31, 2022.
l. Addendum Pertama Perjanjian Kerjasama l. First Addendum agreement with PT Midas Daya
dengan PT Midas Daya Teknologi tentang Teknologi regarding the Procurement of My
Pengadaan Lisensi My Oracle Support Flexcube Oracle Support Flexcube Licence and Annual
dan Annual Technical Support Oracle Core Technical Support of Oracle Core Banking MCB,
Banking MCB, dengan nilai kontrak sebesar with a value of Rp8,880,000. This agreement
Rp8.880.000. Perjanjian ini berlaku mulai pada came into effect on April 1, 2020 and will expire
tanggal 1 April 2020 dan akan berakhir pada on December 31, 2021.
m. Perjanjian Layanan IMS dengan PT Infinitium m. 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
tanggal 1 April 2020 dan akan berakhir pada and will expire on February 26, 2023.
tanggal 26 Februari 2023.
n. Addendum Pertama Perjanjian Kerjasama n. First Addendum agreement with PT Data

dengan PT Data Center Integrasi tentang Center Integrasi regarding Maintenance of
Maintenance Perangkat Data Center Mujair, Mujair Data Center Device, with a value of
dengan nilai kontrak sebesar Rp1.090.000. Rp1,090,000. This agreement came into effect
Perjanjian ini berlaku mulai pada tanggal on February 26, 2020 and will expire on
26 Februari 2020 dan akan berakhir pada December 31, 2021.
o. Perjanjian Kerjasama dengan PT Bumi Amartha o. 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 berlaku Rp5,359,000. This agreement came into effect
mulai pada tanggal 22 Juli 2020 dan akan on July 22, 2020 and will expire on May 15,
berakhir pada tanggal 15 Mei 2023. 2023.
- 151 -
49. INFORMASI TAMBAHAN 49. ADDITIONAL INFORMATION
a. Pada tanggal 31 Desember 2022 dan 2021 Bank a. As of December 31, 2022 and 2021, the Bank's
memiliki rasio aset produktif yang diklasifikasikan non-performing earning assets (gross) to total
non-performing bruto terhadap total aset produktif earning assets ratios are 2.11% and 1.32%,
masing masing sebesar 2,11% dan 1,32%. respectively.
b. Pada tanggal 31 Desember 2022 dan 2021 Bank b. As of December 31, 2022 and 2021, the Bank's
memiliki piutang, pinjaman dan pembiayaan yang gross non-performing financing (NPF) to total
non-performing (NPF) bruto terhadap total receivables, funds and financing ratios are 2.78%
piutang, pinjaman dan pembiayaan masing masing and 0.67%, respectively.
c. Pada tanggal 31 Desember 2022 dan 2021 Bank c. As of December 31, 2022 and 2021, the Bank's net
memiliki piutang, pinjaman dan pembiayaan yang non-performing financing (NPF) to total
non-performing (NPF) netto terhadap total receivables, funds and financing ratios are 0.86%
piutang, pinjaman dan pembiayaan masing masing and 0.08%, respectively.
d. Rasio piutang dan pembiayaan terhadap total d. The ratios of receivables and financing to total
dana pihak ketiga masing masing pada tanggal deposits as of December 31, 2022 and 2021 are
31 Desember 2022 dan 2021 sebesar 40,63% dan 40.63% and 38.33%, respectively.
38,33%.
50. OPINI DEWAN PENGAWAS SYARIAH 50. OPINION OF THE SHARIA SUPERVISORY
BOARD
Berdasarkan surat No.100/B/CRD-SRT/VIII/2022 Based on letters No.100/B/CRD-SRT/VIII/2022 dated

tanggal 24 Agustus 2022 dan August 24, 2022 and No.022/B/CRD-SRT/II/2022
No.022/B/CRD-SRT/II/2022 tanggal 21 Februari dated February 21, 2022, for the year ended
2022, untuk tahun yang berakhir pada tanggal December 31, 2022 and 2021, the Sharia
31 Desember 2022 dan 2021, Dewan Pengawas Supervisory Board expresses an opinion that the
Syariah (DPS) Bank Muamalat menyatakan bahwa operations and products of PT Bank Muamalat
secara umum aspek syariah dalam operasional dan Indonesia, Tbk have complied with fatwa and sharia
produk PT Bank Muamalat Indonesia, Tbk telah regulations issued by the National Sharia Board of
mengikuti fatwa dan ketentuan syariah yang Indonesian Ulama Council (DSN-MUI) and sharia
dikeluarkan oleh Dewan Syariah Nasional Majelis opinion of DPS.
Ulama Indonesia (DSN-MUI) serta opini syariah dari
DPS.
51. PERISTIWA SETELAH TANGGAL LAPORAN 51. SUBSEQUENT EVENTS

KEUANGAN
Tidak ada kejadian penting yang material dan There were no material and relevant important
relevan setelah tanggal 31 Desember 2022 sampai events after December 31, 2022 to the date of the
dengan tanggal Laporan Auditor Independen yang Independent Auditor's Report that need to be
perlu diungkapkan dalam laporan keuangan ini. disclosed in these financial statements.
52. PENYELESAIAN LAPORAN KEUANGAN 52 . 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 17 Februari 2023. Directors on February 17, 2023.
- 152 -
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
Keterangan Description
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
tahunan BUS paling sedikit meliputi: information on financial performance of BUS
cover at the very least:
a) Ikhtisar Data Keuangan Penting 8-10 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
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;

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 63-165 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
65
dapat memperoleh informasi information about the BUS, covering:
mengenai BUS meliputi:
i. alamat; 65 i. address;
ii. nomor telepon; 65 ii. telephone number;
iii. nomor faksimile; 65 iii. fax number;
iv. alamat surat elektronik; dan 65 iv. e-mail address; and
v. alamat situs web; 65 v. web site address;
(3) riwayat singkat BUS; 66 (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
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
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
153-155
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) 153 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
154
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
153
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 152 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
108-135
(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 136-140 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 141-143 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
162-163
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 42-57 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;
47
ditetapkan;
(2) perbandingan antara hasil yang (2) comparison between achievements
49
dicapai dengan yang ditargetkan; and targets;
(3) kendala yang dihadapi BUS; 46 (3) constraints faced by the BUS;
(4) gambaran tentang prospek usaha; 50 (4) overview of business prospects;
(5) penerapan tata kelola BUS; (5) implementation of governance at the
53
BUS;
(6) perubahan komposisi anggota direksi (6) changes in membership composition
dan alasan perubahannya (jika ada); 55 of the Board of Directors and the
reason for such changes (if any);
(7) aktivitas utama; 88 (7) primary activities;
(8) teknologi informasi; 54 (8) information technology;
(9) penyaluran pembiayaan kepada (9) financing to customers in the MSME
190
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
45
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
89-101
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
-
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 44 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;
52
pada masa mendatang; dan and
(17) sumber daya manusia, meliputi (17) information on human resources,
jumlah, tingkat pendidikan, pelatihan, covering number, education
54
dan pengembangan sumber daya level, training and competence
manusia. development programs attended.
d) Laporan Dewan Komisaris 30-39 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; 32 of the Board of Directors in the
management of the BUS;
(2) hasil pengawasan terhadap (2) supervision on the implementation of
34
implementasi strategi BUS; strategies of the BUS;
(3) tanggapan atas prospek usaha BUS (3) opinion on the business prospects
yang disusun oleh direksi; 35 of BUS as prepared by the Board of
Directors;
(4) tanggapan atas penerapan tata kelola (4) opinion on the implementation of
36
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
(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. 35 advising the members of the Board of
Directors.
2) Informasi Kinerja Keuangan 166-221 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 175-186 segments, such as consumer, retail or
segmen korporasi paling sedikit mengenai: corporate segments, at least covering:
(1) pendapatan; dan 175-186 (1) revenues; and
(2) profitabilitas; 175-186 (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
187-200
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
pembiayaan) dan total aset; financing) and total assets;
(2) dana pihak ketiga dan sumber (2) third party funds and other sources of
190
pendanaan lain; funding;
(3) ekuitas; 191 (3) equity;
(4) pendapatan, beban, laba/rugi, (4) revenues, expenses, profit/loss, other
penghasilan komprehensif lain, dan 191 comprehensive income, and total
total laba/rugi komprehensif; dan comprehensive profit/loss; and
(5) arus kas; 193 (5) cash flows;
c) analisis kualitas aset produktif dan rasio c) analysis of earning asset quality and
188
keuangan; financial ratios;
d) struktur permodalan; 202 d) capital structure;
e) informasi atau fakta material yang terjadi e) material information or fact subsequent
setelah tanggal laporan akuntan publik 203 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
207
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 208 during the last 2 (two) Fiscal Years (if any),
sedikit: disclosing at least:
(1) kebijakan dividen; 208 (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 213 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
221
laporan keuangan (jika ada); thereof to the financial statements (if
any);
h) laporan distribusi bagi hasil; 199 h) report of distribution of profit sharing;
i) laporan sumber dan penyaluran dana i) report of sources and utilization of zakat
199
zakat dan wakaf; dan and wakaf funds; and
j) laporan sumber dan penggunaan dana j) report of sources and utilization of social
200
kebajikan. donation funds.
3) Eksposur Risiko dan Permodalan 251-332 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 334-597 4) Governance
a) Informasi tata kelola 334-597 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 598 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.
√
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; √ (a) environment;
(b) praktik ketenagakerjaan; √ (b) labor practices;
(c) praktik kegiatan institusi yang (c) sound institutional practices;
√
sehat;
(d) konsumen; dan √ (d) consumer; and
(e) pengembangan masyarakat. √ (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 602 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
158-162
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:
158-162
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 158 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 158-162 companies in the BUS business group;
and
(3) pemegang saham yang bertindak (3) shareholders acting in concert
atas nama pemegang saham lain 158-162
(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
210-212
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 210-212 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 210-212 such in relevant financial accounting
akuntansi keuangan; standards;
(3) jenis transaksi dengan pihak berelasi, (3) types of transaction with related
210-212
antara lain: parties, including:
(a) kepemilikan silang (cross (a) cross shareholding;
210-212
shareholding);
(b) transaksi dari suatu kelompok (b) transactions by a business group
usaha yang bertindak untuk performed in the interest of
210-212
kepentingan kelompok usaha another business group;
lain;
(c) pengelolaan likuiditas jangka (c) short-term liquidity management
210-212
pendek dalam kelompok usaha; in the business group;
(d) penyediaan dana yang diberikan (d) funding provided to, or received
atau diterima oleh entitas lain 210-212 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, 210-212 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
210-212
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 210-212 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/
210-212
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 210-212 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 162 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.

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.

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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 a. Summary of key financial information;
b. Informasi saham (jika ada); 11 b. Stock information (if any);
c. Laporan Direksi; 42 c. The Board of Directors report;
d. Laporan Dewan Komisaris; 30 d. The Board of Commissioners report;
e. Profil Emiten atau Perusahaan Publik; 63 e. Profile of Issuer or Public Company;
f. Analisis dan pembahasan manajemen; 166 f. Management discussion and analysis;
g. Tata kelola Emiten atau Perusahaan Publik; 334 g. Corporate governance applied by the Issuer
or Public Company;
h. Tanggung jawab sosial dan lingkungan 598 h. Corporate social and environmental
Emiten atau Perusahaan Publik; responsibility of the Issuer or Public
Company;
i. Laporan keuangan tahunan yang telah 602 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 a. Summary of Key Financial Information
Ikhtisar Data Keuangan Penting memuat 8-9 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 8-9 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 12 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 42-57 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 45-50 1) the performance of the Issuer or Public
atau Perusahaan Publik, paling sedikit Company, at least covering:
meliputi:
a) strategi dan kebijakan strategis 47 a) strategy and strategic policies of
Emiten atau Perusahaan Publik; the Issuer or Public Company;
b) peranan Direksi dalam perumusan 48 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 49 d) comparison between achievement

dicapai dengan yang ditargetkan; of results and targets; and
dan
e) kendala yang dihadapi Emiten atau 46 e) challenges faced by the Issuer or
Perusahaan Publik; Public Company;
2) gambaran tentang prospek usaha; 50 2) description on business prospects;
3) penerapan tata kelola Emiten atau 53 3) implementation of good corporate
Perusahaan Publik; dan governance by Issuer or Public
Company; and
4) perubahan komposisi anggota Direksi 55 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 30-39 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 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 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 35 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 36 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 5) Changes in the composition of the
Komisaris dan alasan perubahannya Board of Commissioners and the
(jika ada); dan reason behind (if any); and
6) Frekuensi dan cara pemberian nasihat 37 6) Frequency and manner of providing
kepada anggota Direksi; advice to members of the Board of
Directors;
e. Profil Emiten atau Perusahaan Publik 63-165 e. Profile of the Issuer or Public Company
Profil Emiten atau Perusahaan Publik paling 64 Profile of the Issuer or Public Company
sedikit memuat: should cover at least:
1) Nama Emiten atau Perusahaan Publik 65 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
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2) Akses terhadap Emiten atau 65 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; 65 a) Address;
b) Nomor telepon; 65 b) Telephone number;
c) Nomor faksimile; 65 c) Facsimile number;
d) Alamat surat elektronik; dan 65 d) E-mail address; and
e) Alamat Situs Web; 65 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 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 89 6) Operational area of the Issuer or Public
Perusahaan Publik; Company
7) Struktur organisasi Emiten atau 104 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 164 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: 124-133 9) The Board of Directors profiles include:
a) Nama dan jabatan yang sesuai 124-133 a) Name and short description of
dengan tugas dan tanggung jawab; duties and functions;
b) Foto terbaru; 124-133 b) Latest photograph;
c) Usia; 124-133 c) Age;
d) Kewarganegaraan; 124-133 d) Citizenship;
e) Riwayat pendidikan; 124-133 e) Education;
f) Riwayat jabatan, meliputi f) history position, covering
informasi: information on:
(1) Dasar hukum penunjukan 124-133 (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 124-133 (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 124-133 (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 124-133 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 55 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 114-123 10) The Board of Commissioners profiles,
memuat: at least include:
a) Nama; 114-123 a) Name;
b) Foto terbaru; 114-123 b) Latest photograph;
c) Usia; 114-123 c) Age;
d) Kewarganegaraan; 114-123 d) Citizenship;
e) Riwayat pendidikan; 114-123 e) Education;
f) Riwayat jabatan, meliputi f) History position, covering
(1) Dasar hukum penunjukan 114-123 (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 114-123 (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 114-123 (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 114-123 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 114-123 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 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 141-143 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 153-155 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 153 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 154 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 153 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 154 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 155 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; 155 a) Ownership of local institutions;
b) Kepemilikan institusi asing; 155 b) Ownership of foreign institutions;
c) Kepemilikan individu lokal; dan 155 c) Ownership of local individual; and
d) Kepemilikan individu asing; 155 d) Ownership of foreign individual;
16) Informasi mengenai pemegang saham 152 16) Information on major shareholders and
utama dan pengendali Emiten atau 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 159 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 156 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 157 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 162 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; 162 a) name and address;
b) periode penugasan; 162 b) period of assignment;
c) informasi jasa audit dan/atau non 162 c) informasi jasa audit dan/atau non
audit yang diberikan; audit yang diberikan;
d) biaya jasa (fee) audit dan/atau 162 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 162 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 163 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 166-221 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 175-186 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, 175-186 a) Production, including process,
kapasitas, dan perkembangannya; capacity, and growth;
b) Pendapatan/penjualan; dan 175-186 b) Income/sales; and
c) Profitabilitas; 175-186 c) Profitability;
2) Kinerja keuangan komprehensif yang 187-200 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 187 a) Current assets, non-current assets,
total aset; and total assets;
b) Liabilitas jangka pendek, liabilitas 188 b) Short term liabilities, long term
jangka panjang, dan total liabilitas; liabilities, total liabilities;
c) Ekuitas; 191 c) Equities;
d) Pendapatan/penjualan, beban, laba 191 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 193 e) Cash flows
3) Kemampuan membayar utang dengan 201 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 201 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 202 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 202 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 203 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; 203 a) Type of investment of capital
goods;
b) Tujuan investasi barang modal; dan 203 b) Objective of the investment of
capital goods; and
c) Nilai investasi barang modal yang 203 c) Value of the investment of capital
dikeluarkan; goods;
8) Informasi dan fakta material yang 203 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 203 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 205-206 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; 206 a) Income/sales;
b) Laba (rugi); 206 b) Profit (loss);
c) Struktur modal (capital structure); 206 c) Capital structure; or
d) Kebijakan dividen; atau 206 d) Dividend policy; or
e) Hal lainnya yang dianggap penting 206 e) Others that deemed necessary for
bagi Emiten atau Perusahaan the Issuer or Public Company;
Publik;
11) Target/proyeksi yang ingin dicapai 206 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; 206 a) Income/sales;
b) Laba (rugi); 206 b) Profit (loss);
c) Struktur modal (capital structure); 206 c) Capital structure; or
d) Kebijakan dividen; atau 206 d) Dividend policy;
e) Hal lainnya yang dianggap penting 206 e) Or others that deemed necessary
bagi Emiten atau Perusahaan for the Issuer or Public Company;
Publik;
12) Aspek pemasaran atas barang dan/ 207 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 2 208 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; 208 a) Dividend policy;

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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 210 14) Use of proceeds from Public Offerings,
Penawaran Umum, dengan ketentuan: under the condition of:
a) Dalam hal selama tahun buku, 210 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 210 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; 210 a) Transaction date, value, and object;
b) Nama pihak yang melakukan 210 b) Name of transacting parties;
transaksi;
c) Sifat hubungan Afiliasi (jika ada); 210 c) Nature of related parties (if any);
d) Penjelasan mengenai kewajaran 211 d) Description of the fairness of the
transaksi; dan transaction; and
e) Pemenuhan ketentuan terkait; 212 e) Compliance with related rules and
regulations;
f) dalam hal terdapat hubungan 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 212 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 212 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 213 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 - 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 213 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 221 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 334-597 g. Corporate Governance of the Issuer or Public
Company
Tata kelola Emiten atau Perusahaan Publik Corporate Governance of the Issuer or Public
paling sedikit memuat uraian singkat Company contains at least:
mengenai:
1) RUPS, paling sedikit memuat: 374-404 1) GMS, at least contains:
a) Informasi mengenai keputusan 374-404 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 374-404 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 374-404 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 374-404 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: 436-453 2) The Board of Directors, covering:
a) Tugas dan tanggung jawab masing- 437 a) The tasks and responsibilities of
masing anggota Direksi; each member of the Board of
Directors;
b) Pernyataan bahwa Direksi memiliki 440 b) Statement that the Board of
pedoman atau piagam (charter) Directors has already have board
Direksi; manual or charter;
c) Kebijakan dan pelaksanaan tentang 479 c) Policies and implementation of
frekuensi rapat Direksi, termasuk 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 451 d) Training and/or competency
kompetensi anggota Direksi: development of members of the
Board of Directors:
(1) kebijakan pelatihan dan/ 449 (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 144 (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 452 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 452 (1) Performance appraisal
procedures; and
(2) kriteria yang digunakan 452 (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 418-435 3) The Board of Commissioners, among
lain: others include:
a) Tugas dan tanggung jawab Dewan 419 a) Duties and responsibilities of the
Komisaris; Board of Commissioners;
b) Pernyataan bahwa Dewan 421 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 476 c) Policies and implementation of the
tentang frekuensi rapat Dewan 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 429 d) Training and/or competency
kompetensi anggota Dewan improvement of members of the
Komisaris: Board of Commissioners:
(1) kebijakan pelatihan dan/ 429 (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 143 (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 460-467 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 460-467 (1) procedure for the
penilaian kinerja; implementation of performance
assessment;
(2) Kriteria yang digunakan 460-467 (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 460-467 (3) Assessor;
penilaian;
f) penilaian Dewan Komisaris 430 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 430 (1) Performance appraisal
procedures; and
(2) kriteria yang digunakan 430 (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 468-471 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 468-471 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 468-471 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 468-471 (1) Procedures for determining
remunerasi Direksi dan Dewan remuneration for the Board
Komisaris; of Directors and the Board of
Commissioners;
(2) struktur remunerasi Direksi 468-471 (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- 468-471 (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 406-417 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; 409 a) name;
b) dasar hukum pengangkatan dewan 406 b) Legal basis for the appointment of
pengawas syariah; the sharia supervisory board;
c) periode penugasan dewan 409 c) Period of assignment of the sharia
pengawas syariah; supervisory board;
d) tugas dan tanggung jawab Dewan 406 d) duty and responsibility of Sharia
Pengawas Syariah; dan Supervisory Board; and
e) frekuensi dan cara pemberian 413 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: 492-502 6) Audit Committee, among others covering:
a) Nama dan jabatannya dalam 496-499 a) Name and position in the
keanggotaan komite; committee;
b) Usia; 496-499 b) Age;
c) Kewarganegaraan; 496-499 c) Citizenship;
d) Riwayat pendidikan; 496-499 d) Education background;
e) Riwayat jabatan, meliputi 496-499 e) History of position; including:
informasi:
(1) Dasar hukum untuk 496-499 (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 496-499 (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 495 f) Period and terms of office of the
Komite Audit; member of Audit Committee;
g) Pernyataan independensi Komite 499 g) statement of independence of the
Audit; Audit Committee;
h) Pendidikan dan/atau pelatihan 145 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 500 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 502 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 503-512 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 507-508 a) Name and position in committee
keanggotaan komite; membership;
b) Usia; 507-508 b) Age;
c) Kewarganegaraan; 507-508 c) Nationality;
d) Riwayat pendidikan; 507-508 d) Educational history;
e) Riwayat jabatan, meliputi 507-508 e) Position history, including
(1) Dasar hukum penunjukan 507-508 (1) Legal basis for appointment as
sebagai anggota komite; committee member;

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(2) Rangkap jabatan, baik sebagai 507-508 (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 507-508 (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 506 f) Period and term of office of the
komite; committee members;
g) Pernyataan independensi komite; 509 g) Statement of committee
independence;
i) Uraian tugas dan tanggung jawab; 504 i) Description of duties and
responsibilities;
j) Pernyataan bahwa telah memiliki 503 j) A statement that it has a guideline
pedoman atau piagam (charter) or charter;
komite;
k) Kebijakan dan pelaksanaan tentang 509 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 510 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 512-527 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 512-527 a) Name and position in the
keanggotaan komite; Committee;
b) Usia; 512-527 b) Age;
c) Kewarganegaraan; 512-527 c) Citizenship;
d) Riwayat pendidikan; 512-527 d) Education background;
e) Riwayat jabatan, meliputi 512-527 e) History of position, including:
informasi:
(1) Dasar hukum penunjukan 512-527 (1) Legal basis for the
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 512-527 f) Period and terms of office of the
komite; member of Audit Committee;

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g) Pernyataan independensi komite; 512-527 g) Statement of committee
independence;
and
i) Uraian tugas dan tanggung jawab; 512-527 i) Description of duties and
responsibilities;
j) Pernyataan bahwa telah memiliki 512-527 j) A statement that the committee
pedoman atau piagam (charter) has had guidelines or charters;
komite;
k) Kebijakan dan pelaksanaan tentang 512-527 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 512-527 l) A brief description of the
kegiatan pada tahun buku; dan committee’s activities for the fiscal
year;
9) Sekretaris Perusahaan, mencakup 559-562 9) Corporate Secretary, including:
antara lain:
a) nama; 559 a) name;
b) domisili; 559 b) domicile;
c) riwayat jabatan, meliputi informasi: 560 c) history of position, including:
(1) dasar hukum penunjukan 560 (1) legal basis for the appointment
sebagai Sekretaris Perusahaan; as Corporate Secretary; and
dan
(2) pengalaman kerja beserta 560 (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; 560 d) education background;
e) pendidikan dan/atau pelatihan 147 e) education and/or training during
yang diikuti dalam tahun buku; dan the year under review; and
f) uraian singkat pelaksanaan tugas 561 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 563-567 10) Internal Audit Unit, among others
lain: including:
a) Nama kepala Unit Audit Internal; 565 a) Name of Head of Internal Audit
Unit;
b) Riwayat jabatan, meliputi 565 b) History of position, including:
informasi:
(1) Dasar hukum penunjukan 565 (1) Legal basis for the
sebagai Kepala Audit Internal; appointment as Head of
dan Internal Audit Unit; and
(2) Pengalaman kerja beserta 565 (2) Working experience and
c) Kualifikasi atau sertifikasi sebagai 565 c) Qualification or certification as
profesi audit internal (jika ada); internal auditor (if any);
d) Pendidikan dan/atau pelatihan 149 d) Education and/or training during
yang diikuti dalam tahun buku; the year under review;
e) Struktur dan kedudukan Unit Audit 564 e) Structure and position of Internal
Internal; Audit Unit;
f) Uraian tugas dan tanggung jawab; 565 f) Description of duties and
responsibilities;
g) Pernyataan bahwa telah memiliki 563 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 567 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 568-572 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 570 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 571 b) Review on the effectiveness of
pengendalian internal; internal control systems;
c) Pernyataan Direksi dan/atau 572 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 251-332 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 251-332 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 251-332 b) Types of risk and the management;
pengelolaannya; dan and
c) Tinjauan atas efektivitas sistem 251-332 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 251-332 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 582 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; 582 a) Substance of the case/claim;
b) Status penyelesaian perkara/ 582 b) Status of settlement of case/claim;
gugatan; dan and
c) Pengaruhnya terhadap kondisi 582 c) Potential impacts on the condition
Emiten atau Perusahaan Publik; of the Issuer or Public Company;
14) Informasi tentang sanksi administratif 583 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 587-588 15) information about codes of conduct of
atau Perusahaan Publik meliputi: the Issuer or Public Company, includes:
a) Pokok-pokok kode etik; 587 a) Key points of the code of conduct;
b) Bentuk sosialisasi kode etik dan 587 b) Socialization of the code of conduct
upaya penegakannya; dan and enforcement; and
c) Pernyataan bahwa kode etik 588 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 - 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 456 17) A brief description of the information
pengungkapan informasi mengenai: disclosure policy regarding:
a) Kepemilikan saham anggota Direksi 456 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 456 b) Implementation of the policy;
dimaksud;
18) Uraian mengenai sistem pelaporan 596-597 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 596 a) Mechanism for violation reporting;
pelanggaran;
b) Perlindungan bagi pelapor; 597 b) Protection for the whistleblower;
c) Penanganan pengaduan; 597 c) Handling of violation reports;
d) Pihak yang mengelola pengaduan; 597 d) Unit responsible for handling of
dan violation report; and
e) Hasil dari penanganan pengaduan, 597 e) Results from violation report
paling sedikit meliputi: handling, at least includes:
(1) Jumlah pengaduan yang 597 (1) Number of complaints
masuk dan diproses dalam received and processed during
tahun buku; dan the fiscal year; and
(2) Tindak lanjut pengaduan; 597 (2) Follow up of complaints;
19) Uraian mengenai kebijakan anti korupsi 589-594 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 589-594 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 589-594 b) Anti-corruption training/
kepada karyawan Emiten atau socialization to employees of
Perusahaan Publik; Issuers or Public Companies;
20) Penerapan atas Pedoman Tata Kelola 353-371 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 353-371 a) statement regarding
yang telah dilaksanakan; dan/atau recommendation that have been
implemented; and/or
b) penjelasan atas rekomendasi yang 353-371 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 598-601 h. Social and Environmental Responsibility of
Emiten atau Perusahaan Publik the Issuer or Public Company
1) Informasi yang diungkapkan dalam 598-601 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 600 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
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;

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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 602 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
Surat pernyataan anggota Direksi dan Letter of statement of the Board of Directors
anggota Dewan Komisaris tentang tanggung and the Board of Commissioners regarding
jawab atas Laporan Tahunan disusun sesuai the responsibility for Annual Reporting
dengan format Surat Pernyataan Anggota should be prepared according to the format
Direksi dan Anggota Dewan Komisaris of letter of statement of member of Board of
tentang Tanggung Jawab atas Laporan Directors and the Board of Commissioners
Tahunan sebagaimana tercantum dalam regarding the responsibility for Annual
Lampiran yang merupakan bagian tidak Reporting as attached in the Attachment,
terpisahkan dari Surat Edaran Otoritas Jasa which is an integral part of this Circulation
Keuangan ini. Letter of the Financial Services Authority.

Kriteria Annual Report Awards
Annual Report Award Criteria
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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 8-9 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
9
perusahaan tersebut menjalankan kegiatan usahanya has been running its business activities for less than 3
selama kurang dari 3 (tiga) tahun (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 11 Share price information in tables and charts
a. Jumlah saham yang beredar; 11 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 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 13 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
13
(outstanding); bonds;
b. Tingkat bunga/imbalan; 13 b. Interest rate/yield;
c. Tanggal jatuh tempo; dan 13 c. Maturity date; and
d. Peringkat obligasi/sukuk tahun 2018 dan 2019. 13 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’
30-55
Reports
1 Laporan Dewan Komisaris Board of Commissioners’ Report
30-39
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; 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; 35 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 36 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 Commissioners (if any) and the reason for such
changes.

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2 Laporan Direksi Board of Directors’ report
42-57
a. Analisis atas kinerja perusahaan, yang mencakup a. Analysis of the company’s performance, covering
45-50
antara lain: among others:
• kebijakan strategis; 47 • strategic policies;
• perbandingan antara hasil yang dicapai dengan • comparison between targets and achievements;
49
yang ditargetkan; dan and
• kendala-kendala yang dihadapi perusahaan dan • challenges faced by the company and initiatives to
46
langkah-langkah penyelesaiannya; deal with those challenges;
b. Analisis tentang prospek usaha; 50 b. Analysis on business prospects;
c. Perkembangan penerapan tata kelola perusahaan c. Developments in the implementation of GCG during
53
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
55
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 63-165 Company Profile
1 Nama dan alamat lengkap perusahaan Name and complete address of the company
Informasi memuat antara lain: nama dan alamat, kode 64-65 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
terakhir; Association;
b. Kegiatan usaha yang dijalankan; dan 74 b. Business activities; and
c. Produk dan/atau jasa yang dihasilkan. 77 c. Product and/or services offered.
4 Struktur Organisasi 104 Organization structure
Dalam bentuk bagan, meliputi nama dan jabatan paling 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.
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
114-123
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
124-133
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- 141-143 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
142
organisasi; organization;
b. Jumlah karyawan untuk masing-masing tingkat b. Number of employees by education;
143
pendidikan;
c. Jumlah karyawan berdasarkan status kepegawaian; 142 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
143
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
143
telah dikeluarkan pada tahun buku. programs in the fiscal year.
9 Komposisi Pemegang saham Shareholders composition
153-155
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 153 shareholding percentage;
kepemilikannya;
b. Rincian pemegang saham dan persentase b. Details of shareholders and shareholding percentage:
kepemilikannya meliputi:
• Nama pemegang saham yang memiliki 5% atau • Names of shareholders with 5% or more
153
lebih saham; dan shareholding; and
• Kelompok pemegang saham masyarakat dengan • Group of public shareholders with individual
153
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 154 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
162
Dalam bentuk tabel memuat informasi antara lain: In table form, containing:
a. Nama entitas anak dan/atau asosiasi; 162 a. Name of subsidiary and/or associated entity;
b. Persentase kepemilikan saham; 162 b. Share-ownership percentage;
c. Keterangan tentang bidang usaha entitas anak dan/ c. Line of business of subsidiary and/or associated
162
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 162 entity (in commercial operation/not yet in commercial
beroperasi). operation).
11 Struktur grup perusahaan 158 Corporate group structure
Struktur grup perusahaan dalam bentuk bagan yang Diagram of corporate group structure involving
menggambarkan entitas induk, entitas anak, entitas 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 156 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 156 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
156
tindakan korporasi (corporate action); dan corporate action; and
c. Nama bursa dimana saham perusahaan dicatatkan. 156 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 157 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 157 interest rate/yield of securities, and maturity date;
tempo efek lainnya;
b. Nilai penawaran efek lainnya; 157 b. Offering price of other securities;
c. Nama bursa dimana efek lainnya dicatatkan; dan c. The stock exchange where the securities are listed;
157
and
d. Peringkat efek. 157 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: 162-163 professionals
Covers, among others:
a. Nama dan alamat BAE/pihak yang a. Name and address of the company’s Share Registrar;
163
mengadministrasikan saham perusahaan;
b. Nama dan alamat Kantor Akuntan Publik; dan 162 b. Name and address of Public Accountant Firm; and
c. Nama dan alamat perusahaan pemeringkat efek. 163 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) 159-161 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. √ 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
165
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 143-151 Board of Directors, Committees, Corporate Secretary,
Audit Internal 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
143
Komisaris; Commissioners;
b. Pendidikan dan/atau pelatihan untuk Direksi; 144 b. Training and/or education for Board of Directors;
c. Pendidikan dan/atau pelatihan untuk Komite Audit; 145 c. Training and/or education for Audit Committee;
d. Pendidikan dan/atau pelatihan untuk Komite d. Training and/or education for Nomination and
146
Nominasi dan Remunerasi; Remuneration Committee;
e. Pendidikan dan/atau pelatihan untuk Komite Lainnya; 146 e. Training and/or education for other Committee(s);
f. Pendidikan dan/atau pelatihan untuk Sekretaris f. Training and/or education for Corporate Secretary;
147
Perusahaan; dan and
g. Pendidikan dan/atau pelatihan untuk Unit Audit g. Training and/or education for Internal Audit Unit.
149
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
166-221
Perusahaan Company Performance
1 Tinjauan operasi per segmen usaha Operation review per business segment
175-186
Memuat uraian mengenai: Includes analysis on:
a. Penjelasan masing-masing segmen usaha. √ a. Elaboration on each business segment.
b. Kinerja per segmen usaha, antara lain: b. Performance of each business segment, among
√
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 187-200 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 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; 187 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
188
total liabilitas; liabilities;
c. Ekuitas; 191 c. Equity;
d. Penjualan/pendapatan usaha, beban, laba (rugi), d. Sales/operating revenues, expenses, Profit (Loss),
penghasilan komprehensif lain, dan penghasilan 191 other comprehensive income, comprehensive income
komprehensif periode berjalan; dan for the current year; and
e. Arus kas. 193 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 201 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
201
maupun jangka panjang; dan
b. Tingkat kolektibilitas piutang. 201 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
202
structure policy) Explanation of:
Penjelasan atas:
a. Rincian struktur modal (capital structure) yang terdiri a. Details of capital structure comprising of interest-
202
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
202
structure policies); dan
c. Dasar pemilihan kebijakan manajemen atas struktur c. Basis for the determination of capital structure
202
modal. policies.
5 Bahasan mengenai ikatan yang material untuk investasi Discussion on material commitments of capital
barang modal (bukan ikatan pendanaan) pada tahun 202 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 202 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 203 financial year
a. Jenis investasi barang modal; 203 a. Type of capital investment;
b. Tujuan investasi barang modal; dan 203 b. Objectives of capital investment; and
c. Nilai investasi barang modal yang dikeluarkan pada c. Nominal value of capital investment realized in the
203
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
205-206
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
205
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.
206
tahun mendatang.
8 Informasi dan fakta material yang terjadi setelah tanggal Information and material facts following the date of
203
laporan akuntan accounting report (Subsequent events)
Uraian kejadian penting setelah tanggal laporan Description of significant events following the date of
akuntan termasuk dampaknya terhadap kinerja dan 203 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 203 Business prospects
Uraian mengenai prospek perusahaan dikaitkan dengan Description on business prospects related to the general
industri dan ekonomi secara umum disertai data industry and economy including quantitative supporting
pendukung kuantitatif dari sumber data yang layak data from reliable resources
dipercaya.
10 Uraian tentang aspek pemasaran 207 Marketing aspects
Uraian tentang aspek pemasaran atas produk dan/atau 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 208 or disbursed during last 2 (two) financial years
terakhir Contain information on:
Memuat uraian mengenai:
a. Kebijakan pembagian dividen; 208 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
208
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
210
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)
210
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
210-213
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; √ b. Description of the transaction fairness;
c. Alasan dilakukannya transaksi; √ c. Transaction background;
d. Realisasi transaksi pada periode tahun buku terakhir; √ 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. √ 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
213-221
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 221 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
-
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 334-597 Good Corporate Governance
1 Uraian Dewan Komisaris Description on the Board of Commissioners
418-435
Uraian memuat antara lain: Covers the following:
a. Uraian tanggung jawab Dewan Komisaris; 419 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 430 Board and the basis for such assessment; and
penilaiannya; dan
c. Pengungkapan mengenai Board Charter (pedoman c. Board Charter disclosures (Board of Commissioners
421
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) 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;
432
and
b. Pernyataan tentang independensi masing-masing b. Independency statement of each Independent
434
Komisaris Independen. Commissioner.
3 Uraian Direksi Description on the Board of Directors
436-453
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
444
masing-masing anggota Direksi; Board of Directors;
b. Penilaian atas kinerja komite-komite yang berada di b. Assessment of performance of committees under the
452
bawah Direksi (jika ada); dan Board (if any); and
c. Pengungkapan mengenai Board Charter (pedoman c. Board Charter disclosures (Board of Directors work
440
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
460-467
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 468-471 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
473-491
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, 152 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 152 shareholders and controlling shareholders
pengendali.
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/
454-455
atau pengendali Controlling Shareholders
a. Hubungan afiliasi antara anggota Direksi dengan a. Affiliation between a member of the Board of
anggota Direksi lainnya; √ 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; √ 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; √ 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 √ 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 √ 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
492-502
Mencakup antara lain: Includes the following:
a. Nama, jabatan, dan periode jabatan anggota komite a. Name, position and tenure of Audit Committee
496-499
audit; members;
b. Riwayat pendidikan (Bidang Studi dan Lembaga b. Education qualifications (study field and institution)
Pendidikan) dan pengalaman kerja (Jabatan, Instansi, 496-499 and work experience (position, company and tenure)
dan Periode Menjabat) anggota komite audit; of Audit Committee members;
c. Independensi anggota komite audit; 499 c. Independency of Audit Committee members;
d. Uraian tugas dan tanggung jawab; 493 d. Duties and responsibilities;
e. Uraian pelaksanaan kegiatan komite audit pada e. Brief report of Audit Committee activity; and
502
tahun buku; dan
f. Frekuensi pertemuan dan tingkat kehadiran komite f. Meeting frequency and attendance of Audit
500
audit. Committee.
10 Komite Nominasi dan/atau Remunerasi Nomination and/or Remuneration Committee
503-512
a. Nama, jabatan, dan riwayat hidup singkat anggota a. Name, position and brief profiles of members of the
507-508
komite nominasi dan/atau remunerasi; Nomination and/or Remuneration Committee;
b. Independensi komite nominasi dan/atau remunerasi; b. Independency of Nomination and/or Remuneration
509
Committee;
c. Uraian tugas dan tanggung jawab; 504 c. Duties and responsibilities;
d. Uraian pelaksanaan kegiatan komite nominasi dan/ d. Brief report of committee activity in the fiscal year;
510
atau remunerasi pada tahun buku;
e. Frekuensi pertemuan dan tingkat kehadiran komite e. Meeting frequency and attendance;
509
nominasi dan/atau remunerasi;
f. Pernyataan adanya pedoman komite nominasi dan/ f. Statement of committee charter; and
503
atau remunerasi; dan
g. Kebijakan mengenai suksesi Direksi. 511 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 512-527 Includes the following:
Mencakup antara lain:
a. Nama, jabatan, dan riwayat hidup singkat anggota a. Name, position and brief profile of members of
512-527
komite lain; committee;
b. Independensi komite lain; 512-527 b. Independence of committee;
c. Uraian tugas dan tanggung jawab; 512-527 c. Duties and responsibilities;
d. Uraian pelaksanaan kegiatan komite lain pada tahun d. Committee activity in the fiscal year; and
512-527
buku; dan
e. Frekuensi pertemuan dan tingkat kehadiran rapat e. Committee meeting frequency and attendance.
512-527
komite lain.
12 Uraian tugas dan Fungsi Sekretaris Perusahaan Description of duties and functions of Corporate
Mencakup antara lain: 559-562 Secretary
Information on, among others:
a. Nama, dan riwayat jabatan singkat sekretaris a. Name and brief work experience of Corporate
559
perusahaan; Secretary;
b. Domisili; 559 b. Domicile;
c. Uraian tugas dan tanggung jawab; dan 560 c. Duties and responsibilities; and
d. Uraian pelaksanaan tugas sekretaris perusahaan d. Report of activities of Corporate Secretary in the fiscal
561
pada tahun buku. year.
13 Uraian mengenai unit audit internal Description on Internal Audit Unit
563-567
a. Nama ketua unit audit internal; 565 a. Name of Internal Audit Unit head;
b. Jumlah pegawai (auditor internal) pada unit audit b. Total employees (internal auditors) in Internal Audit
564
internal; Unit;
c. Sertifikasi sebagai profesi audit internal; 564 c. Certification on Internal Audit profession;
d. Kedudukan unit audit internal dalam struktur d. Internal Audit Unit composition in the company’s
564
perusahaan; structure;
e. Uraian pelaksanaan kegiatan unit audit internal pada e. Brief report on Internal Audit Unit activity
567
tahun buku; dan implementation; and
f. Pihak yang mengangkat dan memberhentikan ketua f. The parties responsible to appoint/terminate the
564
unit audit internal. Internal Audit Unit head.
14 Akuntan Publik Public Accountant
573
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 573 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 5 573 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 573 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 573 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
251-332
a. Penjelasan mengenai sistem manajemen risiko yang a. Explanation on risk management system
251
diterapkan perusahaan; implemented by the company;
b. Penjelasan mengenai hasil reviu yang dilakukan atas b. Explanation on risk management system
264
sistem manajemen risiko pada tahun buku; effectiveness evaluation;
c. Penjelasan mengenai risiko-risiko yang dihadapi c. Explanation on risks faced by the company; and
267-289
perusahaan; dan
d. Upaya untuk mengelola risiko tersebut. 267-289 d. Risk mitigation.

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16 Uraian mengenai sistem pengendalian intern Description of internal control system
568-572
a. Penjelasan singkat mengenai sistem pengendalian a. Brief explanation on internal control system, among
intern, antara lain mencakup pengendalian keuangan 568 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 568 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 572 evaluation.
buku.
17 Uraian mengenai corporate social responsibility yang Description of Corporate Social Responsibility related to
698-601
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
-
responsibility;
b. Informasi mengenai methoda dan lingkup due diligent b. Information on methods and scope of due diligence
terhadap dampak sosial, ekonomi dan lingkungan - 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 - 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 - 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 - 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 - 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 - 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
-
tanggung jawab sosial responsibility programs.
-
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
-
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
-
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
-
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
-
Hak Azasi Manusia area of Human Rights;
e. Informasi tentang capaian dan penghargaan inisiatif e. Information on achievements and awards for CSR
-
CSR bidang Hak Azasi Manusia initiatives in the area of Human Rights.
-
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
-
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 - scope of social responsibility, the core subject of fair
operations
c. Informasi tentang perencanaan corporate social c. Informasi tentang perencanaan Corporate Social
-
responsibility bidang operasi yang adil Responsibility bidang operasi yang adil
d. Informasi tentang pelaksanaan inisiatif CSR bidang d. Information on Corporate Social Responsibility
-
operasi yang adil planning in fair operations
e. Informasi tentang capaian dan penghargaan inisiatif e. Information on achievements and awards of fair
-
CSR bidang operasi yang adil operations CSR initiatives

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terkait dengan lingkungan hidup, penyampaian - the environment:
informasi tentang:
a. Informasi tentang komitmen dan kebijakan a. Information on commitment and policies on
-
lingkungan environment;
b. Informasi tentang dampak dan risiko lingkungan b. Information on significant environmental impact
penting yang terkait secara langsung atau tidak - 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
-
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 - 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
-
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, - 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. - g. Environment-related certification.
terkait dengan ketenagakerjaan, kesehatan, dan labor practices, covering information on, among others:
-
keselamatan kerja, mencakup antara lain informasi
tentang:
a. Kebijakan dan komitmen tanggung jawab sosial a. Commitment and policies on social responsibility core
-
perusahaan core subject ketenagakerjaan subject - labor practices;
b. Informasi lingkup dan perumusan tanggung jawab b. Information on scope and definition of social
-
sosial bidang ketenagakerjaan responsibility related to labor practices;
c. Informasi terkait target/rencana kegiatan pada tahun c. Information on 2020 activity target/plan established
-
2020 yang ditetapkan manajemen; dan by the Management;
d. Kegiatan yang dilakukan dan dampak kuantitatif atas d. Information on initiatives undertaken and the
-
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
-
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, - 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
-
ditetapkan manajemen Management;
b. Kegiatan yang dilakukan dan dampak atas kegiatan b. Initiatives undertaken and the impact of such
-
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
-
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
-
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 - 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;
-
perusahaan
d. Informasi lingkup dan perumusan tanggung d. Information on scope and definition of social
jawab sosial bidang pengembangan sosial dan - 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
-
ditetapkan manajemen; Management;
f. Kegiatan yang dilakukan dan dampak atas kegiatan f. Initiatives undertaken and the impact of such
-
tersebut; dan initiatives;
g. Biaya yang dikeluarkan - 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 582 Commissioners and Board of Directors that served the
tahunan position at the annual report period
a. Pokok perkara/gugatan; 582 a. The principal litigation/claims;
b. Status penyelesaian perkara/gugatan; 582 b. Settlement status of litigation/claims;
c. Risiko yang dihadapi perusahaan dan nilai nominal c. Impact to the company’s condition; and
582
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
583
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 583-586 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 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
587-588
Memuat uraian antara lain: Includes the following:
a. Pokok-pokok kode etik; 587 a. Contents of Code of Conduct;
b. Pengungkapan bahwa kode etik berlaku bagi seluruh b. Disclosure of Code of Conduct application in all level
588
level organisasi; of organization;
c. Penyebarluasan kode etik; 587 c. Code of Conduct dissemination;
d. Sanksi untuk masing-masing jenis pelanggaran yang d. Sanctions on Code of Conduct violations; and
588
diatur dalam kode etik (normatif); dan
e. Jumlah pelanggaran kode etik beserta sanksi yang e. Number of violation and sanction in the last fiscal
588
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 596-597 Includes the following mechanism of whistleblowing
system antara lain: system:
a. Penyampaian laporan pelanggaran; 596 a. Violations report submission;
b. Perlindungan bagi whistleblower; 597 b. Whistleblowers protection;
c. Penanganan pengaduan; 597 c. Claims handling;
d. Pihak yang mengelola pengaduan; dan 597 d. Claims managers; and
e. Jumlah pengaduan yang masuk dan diproses pada e. Total claims registered; and
597
tahun buku terakhir; dan
f. Sanksi/tindak lanjut atas pengaduan yang telah f. Sanctions/report processed at the last fiscal year
597
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
456-459
Komisaris dan Direksi Directors Composition
Uraian kebijakan tertulis Perusahaan mengenai Description of written policy regarding diversity of
keberagaman komposisi Dewan Komisaris dan Direksi the Board of Commissioners and Board of Directors
456-459
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 602 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: 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 Comparison of current profit (loss) with the previous
√
tahun sebelumnya year
6 Laporan Arus Kas Statements of Cash Flows
√
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
√
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
√
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
√
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
√
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 √ 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 √ 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
602
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.

2022
Laporan Tahunan
Annual Report
dan Sinergi untuk
Mendorong
Ekspansi Bisnis
to Accelerate Business
Expansion
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

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Disclaimer and Limitation of Liability

This annual report discloses the financial statements, results of operations,

The report is presented in two languages, Bahasa Indonesia and English,

Pada tahun 2022, pertumbuhan bisnis Bank Muamalat mulai

Turnaround Towards Ketangguhan dan Sinergi menuju

2021 is a milestone year for PT Bank Muamalat Indonesia

The capital injection from BPKH made the Bank’s capital

The presence of BPKH as the majority shareholder of

2 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

Strengthening Capabilities and Expansion

Synergy to Accelerate Business

Pada tahun 2022, aktivitas bisnis Bank Muamalat mulai menemukan

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 3

4 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 5

2022 2021 2020 2019 2018

8 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

RASIO KEUANGAN PENTING

2022 2021 2020 2019 2018 Description

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 9

Total Aset Pembiayaan Total Dana Pihak Ketiga

Beban Operasional terhadap

10 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 11

Penghentian Perdagangan Sementara

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Ikhtisar Obligasi dan Sukuk

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 13

Penghargaan dan Sertifikasi

Infobank 5th Service Loyalty

Infobank 11th Digital Brand

14 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

IFN Awards 2021

Infobank 19th Banking Service HC Award-VIII-2022 Top Governance, Risk &

Kategori | Category Kategori | Category

BPKH Banking Award 2022

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 15

Peluncuran Sharia Payment dan Muamalat Merchants Apps

Launch of Sharia Payment and Muamalat Merchants Apps

24 Februari | February 28 Februari | February 24 Maret | March

RUPS Luar Biasa

Customer Gathering Milad Muamalat Kerja Sama dengan Baznas

Muamalat's 5th Priority Milad Customer

Peluncuran Rekening Tabungan Jamaah Haji (RTJH) di Aplikasi

Launching of the Pilgrimage Savings Account (RTJH) in the Bank

16 PT Bank Muamalat Indonesia Tbk Laporan Tahunan 2022

17 Mei | May 25 Mei | May

Halal bi halal MUI, BMI dan BPKH

Halal bi halal MUI, BMI and BPKH

Peluncuran Prohajj Plus (ONH Plus)

The launching of Prohajj Plus (ONH Plus)

24 Juni | June 29 Agustus | August

RUPS Tahunan dan RUPS Luar Biasa Safari Haji BPKH

BPKH Hajj Safari

PT Bank Muamalat Indonesia Tbk 2022 Annual Report 17

7 Oktober | October 10 November | November

International Conference ISEF

ISEF International Conference

29 November | November 8 Desember | December

RUPS Luar Biasa