627294fc46f73 - AR BSIM 2021

Adapting
Sustainability
Through Digitalization
2021
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
2021 BANK
ANNUAL & SUSTAINABILITY REPORT SINARMAS
Kesinambungan Tema
Theme Continuity
ADAPTING SUSTAINABILITY THROUGH ADAPTING SUSTAINABILITY THROUGH

DIGITALIZATION DIGITALIZATION
Bank Sinarmas mendukung pentingnya Bank Sinarmas supports the importance of sustainable
pertumbuhan ekonomi berkelanjutan yang economic growth which aligns economic, social, and
menyelaraskan kepentingan ekonomi, sosial, dan environmental goals. Optimally-digitalized banking
lingkungan hidup. Layanan perbankan yang telah services are an effort by Bank Sinarmas to continue
terdigitalisasi secara optimal merupakan langkah to adapt in order to contribute to the achievement of
Bank Sinarmas untuk terus beradaptasi menuju sustainable development.
pembangunan berkelanjutan.
Bank Sinarmas telah meluncurkan sejumlah layanan Bank Sinarmas has launched several digital banking
perbankan digital dan terus melakukan inovasi services and will continue to innovate and update its
dan pembaruan terhadap produknya. Layanan products. Digital banking services that are integrated
digital perbankan yang terintegrasi dalam aplikasi into the SimobiPlus mobile banking application
mobile banking SimobiPlus mampu memberikan can provide Omnichannel Experience to support
Omnichannel Experience sebagai penunjang gaya customers’ lifestyles and become a bridge for
hidup nasabah, serta menjadi jembatan nasabah customers to access banking services.
dalam mengakses layanan perbankan.
Sebagai bentuk adaptasi menuju perbankan As a form of adaptation toward sustainable

berkelanjutan, Bank Sinarmas meluncurkan program banking, Bank Sinarmas launched the Green Saving
Green Saving yang mengajak nasabah dan seluruh program which invites customers and the public to
kalangan masyarakat memaksimalkan penggunaan maximize the use of renewable energy, particularly
energi terbarukan, khususnya sinar matahari. Hal sunlight. Simple steps, such as using eco-friendly
sederhana seperti menggunakan Green Energy yang Green Energy, can bring about big changes in
ramah lingkungan dapat membawa perubahan the future, which is in line with the Bank’s tagline
besar di kemudian hari, sesuai tagline Bank Sinarmas #biasakansekarangluarbiasananti#.
#biasakansekarangluarbiasananti#.
3
BANK 2021
SINARMAS LAPORAN TAHUNAN & KEBERLANJUTAN
OPTIMIZING OUR DIGITAL SERVICES DIGITAL MOVEMENT FOR GREATER

PERFORMANCE
Bank Sinarmas memiliki komitmen dalam pengembangan Sebagai bagian dari inovasi berupa pengembangan produk
digital, antara lain dilakukan melalui aplikasi SimobiPlus. dan layanan yang sesuai dengan kebutuhan nasabah, Bank
Aplikasi ini merupakan layanan digital banking Bank Sinarmas senantiasa mengimplementasikan lima nilai dasar
Sinarmas untuk memberikan kemudahan, kenyamanan perseroan (Agile, Networking Internationally, Constantly
dan keamanan transaksi bagi nasabah. Learning, Reliable, and Let’s Work Together). Melalui layanan
keuangan berbasis digital yaitu SimobiPlus, Bank Sinarmas
Melalui layanan digital tersebut, Bank berupaya telah siap menghadapi digitalisasi yang tengah terjadi lewat
meningkatkan kemudahan dan kepuasan nasabah berbagai strategi.
dalam melakukan transaksi perbankan. Seiring dengan
meningkatnya pengguna layanan tersebut, Bank terus Pada 2019, pesatnya tren layanan perbankan berbasis
menambah fitur digital serta memperkuat infrastruktur digital mendorong Bank Sinarmas untuk mengembangkan
keamanan transaksi. SimobiPlus. Bank Sinarmas berhasil menggaet nasabah
untuk bertransaksi secara digital, mencapai peningkatan
Pengembangan digital ini juga memberikan manfaat bagi transaksi mobile banking sebesar 300 persen. Hal ini
Bank, yaitu meningkatnya loyalitas nasabah. Untuk itulah, menunjukkan bahwa kami terus beradaptasi dengan
Bank berkomitmen untuk terus mengembangkan layanan zaman guna meningkatkan layanan yang dapat diandalkan
digital secara berkesinambungan, sekaligus sebagai nasabah.
respons terhadap tren dalam industri keuangan khususnya
perbankan. Dengan sumber daya dan keunggulan yang kami miliki,
Bank Sinarmas optimis untuk terus bersaing di dunia
perbankan Indonesia. Menjadi solusi bagi setiap nasabah
Bank Sinarmas has a commitment to digital development, merupakan bagian dari eksistensi kami.
among others, through the SimobiPlus application. This
application is a digital banking service from Bank Sinarmas
to provide facilities, convenience, and security of transactions In developing innovative products and services that suit
for customers. the needs of customers, Bank Sinarmas always implements
the Company’s five core values (i.e. Agile, Networking
Through this digital service, the Bank seeks to improve Internationally, Constantly Learning, Reliable, and Let’s
customer convenience and satisfaction in conducting Work Together). Through digital-based financial services
banking transactions. Along with the increasing number of provided by SimobiPlus, Bank Sinarmas is ready to face the
service users, the Bank continues to add digital features and digitalization that has been happening through various
strengthen the transaction security infrastructure. strategies.
This digital development is also beneficial for the Bank in In 2019, the rapid trend of digital-based banking services
increasing customer loyalty. For this reason, and in response encouraged Bank Sinarmas to develop SimobiPlus. Bank
to trends in the financial industry – particularly banking, Sinarmas managed to attract customers to transact digitally,
the Bank is committed to continuously developing digital achieving an increase in mobile banking transactions by 300
services on an ongoing basis. percent. It shows that we have continuously been adapting
to improve services that our customers can rely on.
With its resources and core advantages, Bank Sinarmas is

optimistic to compete in the Indonesian banking industry.
Becoming a solution for every customer is part of its
existence.
4
2021 BANK
STRENGTHENING THE DIGITAL EXCELLENCE DIGITAL INNOVATION FOR OPTIMUM SERVICES
Bagi industri perbankan, digitalisasi di dalam proses bisnis Bank Sinarmas meyakini, dengan segala keunggulannya,
sudah menjadi sebuah keharusan di tengah perkembangan teknologi digital akan menjadi jembatan dalam
teknologi yang berkembang pesat saat ini. Hal ini selaras pengembangan usaha yang berkelanjutan sekaligus
dengan adanya perubahan perilaku nasabah yang kini lebih mendorong pertumbuhan ekonomi masyarakat. Dengan
memilih untuk melakukan aktivitas perbankan dengan cara meningkatkan peran teknologi digital, Bank Sinarmas kian
yang lebih mudah dan praktis. Bagi Perseroan, tantangan dekat untuk mewujudkan visi “Menjadi Bank Terkemuka di
usaha terbesar saat ini adalah kemampuan untuk terus Indonesia dengan Jaringan Distribusi yang Terintegrasi dan
berinovasi dalam rangka memberikan layanan terbaik Layanan yang Prima”.
berbasis teknologi bagi para nasabah di tengah persaingan
industri perbankan yang sangat ketat.
Bank Sinarmas believes, with all its advantages, digital
technology will be a bridge in developing sustainable
Business process digitalization in the banking industry business and boosting public economic growth. By
has become a requirement amidst the rapidly growing increasing the role of digital technology, Bank Sinarmas is
technological development. This is in line with changes in getting closer to realizing its vision of “Becoming a Leading
the behavior of customers who in this day and age choose Bank in Indonesia with Integrated Distribution Network and
to do banking activities in a simpler and more practical Excellent Services”.
manner. For the Company, today’s biggest business
challenge is the ability to continuously innovate to provide
the best technology-based services for its customers amidst
the highly competitive banking industry.
5
BANK 2021
Daftar Isi
58 PROFIL PERUSAHAAN
COMPANY PROFILE
59 Jejak Langkah
Table of Contents
Milestones
62 Sekilas Bank Sinarmas
10 Peristiwa Penting Tahun 2021 Bank Sinarmas in Brief
Event Highlights 2021 88 Tanggung Jawab Produk dan Layanan
Responsibilities for Products and Services
13 IKHTISAR KINERJA 2021 90 Profil Dewan Komisaris
PERFORMANCE HIGHLIGHTS 2021 Profile of the Board of Commissioners
14 Ikhtisar Kinerja Keberlanjutan 94 Profil Direksi
Sustainability Performance Highlights Profile of the Directors
27 Tentang Laporan 101 Sumber Daya Manusia
About the Report Human Resources
28 Strategi Keberlanjutan
Sustainability Strategy 117 ANALISIS DAN PEMBAHASAN MANAJEMEN
29 Dukungan terhadap Tujuan Pembangunan Management Analysis and Discussion
Berkelanjutan 119 Tinjauan Kinerja per Segmen Usaha
Support for Sustainable Development Goals Performance Overview by Business Segment
34 Pencapaian, Penghargaan, dan Sertifikasi 150 Tinjauan Keuangan Komprehensif
Achievements, Awards, and Certifications Comprehensive Financial Overview
190 Tinjauan Kinerja Keberlanjutan
37 LAPORAN MANAJEMEN Sustainability Performance Overview
MANAGEMENT REPORT 195 Pembiayaan Keuangan Usaha Berkelanjutan
38 Laporan Dewan Komisaris Sustainable Business Financing
Report from the Board of Commissioners 198 Proyeksi Tahun 2022
46 Laporan Direksi 2022 Projection
Report from the Board Directors 203 Aspek Pemasaran
Marketing
56 SURAT PERNYATAAN 207 Informasi Material Mengenai Investasi,
STATEMENTS Ekspansi, Divestasi, Penggabungan/Peleburan
56 Surat Pernyataan Dewan Komisaris tentang Usaha, Akuisisi, Restrukturisasi Utang/Modal
Tanggung Jawab atas Laporan Gabungan Significant Information on Investments,
2021 PT. Bank Sinarmas Tbk. Expansion, Divestment, Business Merger/
Board of Commissioners’ Statement of Consolidation, Acquisition, Debt/Capital
Responsibility for the 2021 Combined Report Restructuring
of PT. Bank Sinarmas Tbk. 207 Informasi Transaksi Material yang
57 Surat Pernyataan Dewan Direksi tentang Mengandung Benturan Kepentingan dan/
Tanggung Jawab atas Laporan Gabungan atau Transaksi Dengan Pihak Afiliasi
2021 PT. Bank Sinarmas Tbk. Information on Significant Transactions with
Board of Directors’ Statement of Responsibility Conflicts of Interest and Transactions with
for the 2021 Combined Report of PT. Bank Affiliates
Sinarmas Tbk.
6
2021 BANK
209 Perubahan Perundang-Undangan yang 371 Komite-Komite di Bawah Dewan Komisaris

Berpengaruh Signifikan Terhadap Perusahaan Committee under the Board of
Changes to Laws and Regulations that Commissioners
Significantly Affect the Company 431 Komite-Komite di Bawah Direksi
216 Perubahan Kebijakan Akuntansi Committee under the Board of Directors
Changes in Accounting Standard 454 Sekretaris Perusahaan
222 Kesinambungan Usaha Corporate Secretary
Business Continuity 463 Satuan Kerja Audit Internal
Internal Audit Unit
227 TATA KELOLA PERUSAHAAN 474 Akuntan Publik/Auditor Eksternal
CORPORATE GOVERNANCE Public Accountant/External Auditor
228 Penerapan Tata Kelola Perusahaan 476 Satuan Kerja Kepatuhan
Corporate Governance Implementation Compliance unit
263 Tata Kelola Keberlanjutan 504 Sistem Pengendalian Internal
Sustainability Governance Internal Control System
265 Keterlibatan Pemangku Kepentingan 506 Manajemen Risiko
Stakeholders Engagement Risk Management
270 Rapat Umum Pemegang Saham (RUPS) 563 Unit Legal
Annual General Meeting Stakeholders Legal Unit
293 Dewan Komisaris 565 Perkara Hukum
Board of Commissioners Legal Case
311 Direksi 566 Keterbukaan Informasi
Board of Directors Disclosure of Information
326 Penilaian Kinerja Dewan Komisaris dan Direksi 567 Akses Informasi dan Data Perseroan
Performance Assessment of Board of Access to Corporate Information and Data
Commissionaires and Board of Directors 568 Sistem Pelaporan Pelanggaran
328 Pelaksanaan Rapat Dewan Komisaris dan Whistleblowing System
Direksi 575 Kode Etik dan Pedoman Tingkah Laku
Board of Commissioners and Board of Code of Ethic and Code of Conduct
Directors Meeting 577 Kebijakan Antikorupsi
340 Kebijakan Keberagaman Dewan Komisaris Anti-corruption Policy
dan Direksi
Diversity of the Board of Commissioners and 579 TANGGUNG JAWAB SOSIAL DAN
the Board of Directors Policy LINGKUNGAN
345 Kebijakan Remunerasi Direksi dan Dewan CORPORATE SOCIAL RESPONSIBILITY
Komisaris
Remuneration Policy of the Broad of 608 LAMPIRAN
Commissioners and the Board of Directors Appendix
353 Tata Kelola Unit Usaha Syariah
Sharia Business Unit Governance 660 LAPORAN KEUANGAN
355 Dewan Pengawas Syariah FINANCIAL STATEMENT
Sharia Supervisory Board
7
BANK 2021
Bank Sinarmas mendukung kebijakan pemerintah

terkait work from home (WFH) dan Pemberlakuan
Pembatasan Kegiatan Masyarakat (PPKM)
lewat layanan digital banking, yakni melalui
internet banking dan aplikasi di mobile phone.
Para nasabah dapat membuka rekening atau
melakukan transaksi perbankan dari mana
pun mereka berada dan kapan pun mereka
membutuhkan.
Bank Sinarmas supports government policies

related to WFH and PPKM through digital banking
services, namely through internet banking and
applications on mobile phones. Customers can
open accounts or carry out banking transactions
from wherever they are and
whenever they need it.
8
2021 BANK
KEMUDAHAN TRANSAKSI DI MANA

SAJA DAN KAPAN SAJA
EASY TRANSACTIONS ANYWHERE AND ANYTIME
Tetap Produktif saat #WorkFromHome

Stay Productive While #WorkFromHome
Transaksi #LebihMudah dengan SimobiPlus dan Internet banking

Easier Transactions (#LebihMudah) with SimobiPlus and Internet Banking
Selalu gunakan layanan digital banking dari Bank Always use digital banking services from Bank
Sinarmas untuk mendukung aktivitas perbankan Sinarmas to support your banking activities, even
Anda, bahkan saat Anda beraktivitas di rumah. when you are active at home.
SimobiPlus Penting!
1. Buka Produk Bank Sinas E-Money
2. Buka Deposito dengan minimal penempatan Rp500.000 • Pastikan Username, Password, dan
3. Beli Asuransi Kecelakaan diri sesuai plan yang kamu mau easyPIN Anda tidak diketahui oleh
4. Transfer ke Bank Lain via Online/SLN/RTGS melalui menu orang lain
Kirim • Lakukan logout setiap kali selesai
5. Mengubah EasyPIN atau Password melalui menu melakukan transaksi perbankan
Pengaturan
6. Kontrol Kartu Kredit melalui menu Menyambungkan Kartu
Kredit Prissa
7. Transaksi Tarik Tunai di mesin ATM Tanpa Kartu melalui Layanan Whatsapp Bank
menu Tarik Sinarmas
8. Transaksi Pembayaran Tagihan melalui menu Bayar 088221500153
9. Transaksi Pembelanjaan QRIS dan Pay By QR melalui menu Bank Sinarmas CARE
Scan to Pay Layanan 24 jam Bank Sinarmas
di nomor 1500 153
#LebihMudah Transaksi dan #WINYOURPRIZE MENANGKAN Email: care@banksinarmas.com
HADIAH SETIAP HARI DI SIMOBIPLUS
Internet Banking (Korporasi dan Personal) Jadi, pada saat #WorkFromHome
1. Informasi Rekening beserta dengan Mutasi Transaksi tetap ingat untuk selalu menjaga
2. Transfer ke Bank Lain via Online/SKN/RTGS kesehatan, tetap positif dan gunakan
3. Pembayaran Tagihan Rutin, e-billing Pajak, dan transaksi aplikasi SimobiPlus dan layanan Internet
lainnya Banking Bank Sinarmas untuk aktivitas

perbankan Anda.
9
BANK 2021
PERISTIWA PENTING 2021

EVENT HIGHLIGHTS 2021
01 Februari 18 Februari
February February
Sambutan Awal
Tahun Bank Sinarmas
| New Hope 2021 Bank Sinarmas mengedukasi
New Year’s calon investor webinar dengan
Welcoming Speech tema “Cerdas Ambil Keputusan
from Bank Sinarmas | di Tengah Tren Investasi”
New Hope 2021 melalui saluran Zoom.
Bank Sinarmas educated
potential investors through a
Zoom webinar entitled “Smart
Decisions Amidst Investment
Trends”.
28 April
Penandatanganan Perjanjian Kerja Sama Pembiayaan

antara Bank Sinarmas dengan Kementerian Koperasi
dan Usaha Kecil dan Menengah (Kemenkop UKM)
tentang penyaluran Kredit Usaha Rakyat (KUR) untuk
mendukung Pemulihan Ekonomi Nasional.
The signing of a financing cooperation agreement

between Bank Sinarmas and the Indonesian Ministry
of Cooperatives and SMEs for the distribution of the
Kredit Usaha Rakyat (KUR) microcredit to support the
national economic recovery.
10
2021 BANK
30 April
Peluncuran Chatbot Prissa.
The Launch of Chatbot Prissa.
28 Mei
May
Penandatanganan Kerja Sama Program

Haji antara Bank Sinarmas Unit Usaha
Syariah dan Trihamas Syariah.
The signing of a cooperation agreement
on the Hajj program between the Sharia
Business Unit of Bank Sinarmas and
Trihamas Sharia.
22 Juni 29 Juni
June June
Bank Sinarmas Rapat Umum Pemegang Saham

melaksanakan webinar Tahunan PT. Bank Sinarmas Tbk.
dalam rangka edukasi Annual General Meeting of
keamanan siber nasional Shareholders of PT. Bank
Wreck-IT 2.0 dengan Sinarmas Tbk.
tema “Exploiting The
Cyber, Catching the
12 Oktober
Vulnerable, Securing the October
State” melalui saluran
Zoom. UUS Bank Sinarmas bekerja
Bank Sinarmas organized sama dengan Universitas
a Zoom webinar to Brawijaya mendukung
educate participants program Kampus Merdeka.
about national cyber The Sharia Business Unit
security during the of Bank Sinarmas, in
annual IT event Wreck-IT collaboration with the
2.0 entitled “Exploiting University of Brawijaya,
The Cyber, Catching the supported the Merdeka
Vulnerable, Securing the Campus program.
State”.
26 November
Public Expose PT. Bank

Sinarmas Tbk.
PT. Bank Sinarmas Tbk.
Public Expose.
11
BANK 2021
SEJARAH DIGITAL BANKING BANK SINARMAS

History Bank Sinarmas’ Digital Banking
2017
BIOMETRIC
NEW SIMOBI+APP 2018 QR GPN

PARTNERSHIP
DIGITAL FACTORY
FIXED+FORMAT WEBSITE
E-MONEY
BUILDING DIGITAL
DIGITAL CATALOG
MARKETING CAPABILITY
Prissa – CHATBOT
WEBSITE & SOCIAL MEDIA
BIG DATA INFRASTRUCTURE REVAMP 2019
DIGITAL LOAN PLATFORM BONUS TUNAI AND LUCKY
API BANKING DRAW PROMO
2020
DIGITAL ACCOUNT OPENING

VIRTUAL CC
IN APP SHOPPING
OPEN BANKING
DIGITAL LOAN
2021
12
IKHTISAR KINERJA
Performance Highlights
Kinerja operasional Bank Sinarmas di tahun 2021 mencapai
hasil yang baik. Bank berhasil membukukan pendapatan bunga
sebesar Rp2,62 triliun. Sementara itu, laba bersih usaha sebesar
Rp127,75 miliar atau naik 7,78% dibandingkan laba bersih tahun
sebelumnya.
Bank Sinarmas operational performance in 2021 achieved good
results. The Bank managed to record interest revenue of Rp2.62
trilion. Meanwhile, the operating profit was Rp127,75 billion, up
7.78% compared to the previous year’s net profit.
BANK 2021
IKHTISAR KINERJA SUSTAINABILITY PERFORMANCE

KEBERLANJUTAN [102-7] HIGHLIGHTS [102-7]
ASPEK EKONOMI ECONOMIC ASPECT
Sejak tahun 2020, Bank Sinarmas telah menerapkan Since 2020, Bank Sinarmas has implemented
keuangan berkelanjutan dalam operasional usahanya. sustainable finance in its business operations. It
Bank telah memetakan debitur sesuai kriteria has mapped out debtors according to criteria for
kegiatan usaha berkelanjutan. Bank juga melakukan sustainable business activities. It raises funds based on
penghimpunan dana berdasarkan prinsip inklusif the principle of inclusiveness to ensure the availability
untuk menjamin ketersediaan dan keterjangkauan and affordability of its products and services for all
produk dan/atau jasa bagi seluruh lapisan masyarakat. levels of society.
IKHTISAR KINERJA ASPEK EKONOMI TERKAIT KEBERLANJUTAN [201-1]

Sustainability Related Economic Performance Highlights
Uraian Satuan
2021 2020 2019
Description Unit
Portofolio Debitur yang memenuhi kriteria kegiatan

usaha berkelanjutan Kategori
12 12 N/A
Portfolio of debtors who meet the criteria for Category
sustainable business activities
Jumlah produk yang memenuhi kriteria kegiatan usaha berkelanjutan

Number of products that meet the criteria for sustainable business activities
Penghimpunan Dana
1.832.520 646.493 947.164
Fundraising
Jutaan Rupiah
Million Rupiah
Penyaluran Dana
2.388.920 1.696.919 1.497.277
Fund disbursement
Persentasi total kredit/pembiayaan kegiatan usaha

berkelanjutan terhadap total kredit/pembiayaan bank
% 13,01 8 7
Percentage of total credit/financing of sustainable
businesses to total bank credit/financing
14
2021 BANK
IKHTISAR KEUANGAN
Financial Highlights
(Rp Juta, kecuali dinyatakan lain) (Rp Million, unless otherwise stated)
Uraian 2021 2020 2019 2018 2017 Description
ASET ASSET
Kas 571.425 629.712 615.219 553.688 585.646 Cash
Giro pada Bank 2.137.244 1.623.067 2.060.593 2.022.611 1.880.885 Demand Deposits
Indonesia with
Bank Indonesia
Giro pada Bank 3.147.827 2.156.806 360.934 382.098 558.840 Demand Deposits
Lain - Bersih – Pihak with Other Banks -
Ketiga Net – Third Parties
Penempatan 9.592.917 1.905.318 1.039.622 1.829.730 2.638.778 Placements with

pada Bank Bank Indonesia and
Indonesia dan Other Banks - Net
Bank Lain –
Bersih
Efek-efek – Bersih 14.582.531 9.183.303 5.584.294 2.882.064 3.443.741 Securities – Net
Efek yang Dibeli 1.672.987 4.586.086 108.665 489.812 120.764 Securities

dengan Janji Jual Purchased Under
Kembali Bersih – Agreements to
Pihak Ketiga Resell – Net
Kredit yang 16.313.869 18.878.373 21.314.497 19.214.056 18.365.482 Loans and Sharia
Diberikan dan Financing - Net
Pembiayaan Syariah
- Bersih
Tagihan Akseptasi – 247.165 153.577 265.212 243.250 185.015 Acceptance

Bersih Receivables – Net
Penyertaan Modal - 281.405 318.345 - - Temporary Equity

Sementara Participation
Pendapatan 315.777 243.768 220.625 237.488 155.060 Accrued Income

yang Masih
Akan Diterima
Biaya Dibayar di 1.601.446 1.935.587 1.724.015 259.560 281.479 Prepaid Expenses

Muka
Aset Tetap 1.540.865 1.584.298 1.399.242 1.211.744 1.138.582 Property and

Equipment
Aset Ijarah – Bersih 396.386 463.152 628.023 623.776 269.684 Ijarah Assets – Net
Aset Pajak 64.120 54.930 - - - Deferred Tax

Tangguhan – Bersih Assets – Net
Aset Lain-lain – 487.422 932.663 920.270 798.865 780.122 Other Assets – Net
Bersih
Jumlah Aset 52.671.981 44.612.045 36.559.556 30.748.742 30.404.078 Total Assets
15
BANK 2021
LIABILITAS LIABILITIES
Liabilitas Segera 116.189 193.249 131.750 192.041 213.163 Immediately

Payable
Simpanan 37.961.555 30.763.916 24.652.197 21.989.429 21.256.254 Deposits
Simpanan dari Bank 79.243 61.198 800.259 821.498 711.649 Deposits from
Lain Other Banks
Efek yang Dijual - 1.042.913 236.699 - - Securities Sold

dengan Janji Dibeli Under
Kembali – Bersih Agreements
Torepurchase - Net
Utang Pajak 29.745 71.082 38.428 34.422 68.886 Taxes Payable
Liabilitas Akseptasi 250.424 153.617 265.212 232.457 172.460 Acceptances

Payable
Beban Bunga 23.094 41.183 30.775 31.718 34.575 Accrued Interest

Akrual
Liabilitas Pajak - - 123.277 78.233 104.148 Deferred Tax

Tangguhan – Bersih Liabilities – Net
Liabilitas Imbalan 27.840 29.288 13.032 59.153 55.840 Long-Term

Kerja Jangka Employee Benefit
Panjang Liabilities
Liabilitas Lain-lain 311.579 201.475 94.290 93.895 205.642 Other Liabilities
Jumlah Liabilitas 38.799.669 32.557.921 26.385.919 23.532.846 22.822.617 Total Liabilities
DANA SYIRKAH TEMPORER SYIRKAH TEMPORARY FUNDS
Simpanan 6.507.363 5.992.639 3.567.660 2.308.998 2.350.268 Deposits
Simpanan dari Bank 5.533 4.641 531.514 50.478 387.009 Deposits from
Lain Other Banks
Jumlah Dana Syirkah 6.512.896 5.997.280 4.099.174 2.359.476 2.737.277 Total Syirkah
Temporer Temporary Funds
EKUITAS EQUITY
Modal Saham 1.746.180 1.746.180 1.698.180 1.538.180 1.538.180 Capital Stock
Tambahan Modal 2.368.655 2.368.655 2.116.655 1.276.655 1.276.655 Additional Paid-In

Disetor – Bersih Capital – Net
Dana Setoran Modal 1.408.975 - - - - Advance for Share

Subscription
Komponen Ekuitas 407.324 637.954 483.426 268.245 307.186 Other Equity

Lainnya Components
SALDO LABA RETAINED EARNINGS
Ditentukan 8.500 8.000 7.500 7.000 6.500 Appropriated

Penggunaannya
Tidak Ditentukan 1.419.782 1.296.055 1.768.702 1.766.340 1.715.663 Unappropriated

Penggunaannya
16
2021 BANK
Jumlah Ekuitas 7.359.416 6.056.844 6.074.463 4.856.420 4.844.184 Total Equity
Jumlah Liabilitas, 52.671.981 44.612.045 36.559.556 30.748.742 30.404.078 Total Liabilities,

Dana Syirkah Syirkah Temporary
Temporer dan Funds and Equity
Ekuitas
LAPORAN LABA (RUGI) DAN STATEMENTS OF PROFIT (LOSS)

PENGHASILAN KOMPREHENSIF AND COMPREHENSIVE INCOME
Pendapatan Bunga 2.622.909 2.632.465 2.781.204 2.604.754 2.708.982 Interest Revenue
Pendapatan Bagi 695.070 667.796 579.656 480.765 397.736 Profit Sharing

Hasil Income
Beban Bunga (687.603) (905.187) (967.014) (763.373) (1.035.009) Interest Expense
Beban Bagi Hasil (214.579) (206.870) (183.343) (156.204) (146.497) Profit Sharing
Expenses
Pendapatan Bunga 2.415.797 2.188.204 2.210.503 2.165.942 1.925.212 Interest and Profit
dan Bagi Hasil – Sharing Revenue
Bersih – Net
Pendapatan 925.378 1.687.729 2.026.280 664.407 539.865 Other Operating

Operasional Lainnya Revenue
Beban Operasional (3.181.657) (3.759.333) (4.154.890) (2.754.486) (2.057.618) Other Operating

Lainnya Expenses
Laba Sebelum Pajak 159.518 116.600 81.893 75.863 407.459 Profit Before Tax
Manfaat (Beban) (31.770) 1.922 (75.141) (25.391) (88.536) Tax Income

Pajak (Expense)
Laba Bersih 127.748 118.522 6.752 50.472 318.923 Net Profit
Penghasilan (Rugi) (234.151) 145.348 211.291 (38.236) 16.785 Other

Komprehensif Lain Comprehensive
Income (Loss)
Jumlah Penghasilan (106.403) 263.870 218.043 12.236 335.708 Total

Komprehensif Comprehensive
Income
Laba per Saham 6,75 6,80 0,43 3,28 20,81 Earnings per Share
Dasar (dalam (in full Rupiah)
Rupiah penuh)
Laba (Rugi) Tahun Berjalan Income for the year
Diatribusikan 127.748 118.522 6.752 50.472 318.923 Attributable to

kepada Pemilik Owners of the
Entitas Induk Parent Entity
Diatribusikan - - - - - Attributable to
kepada Non-Controlling
Kepentingan Non- Interests
Pengendali
17
BANK 2021
LABA KOMPREHENSIF TAHUN BERJALAN COMPREHENSIVE INCOME FOR THE YEAR
Diatribusikan (106.403) 263.870 218.043 12.236 335.708 Attributable to

kepada Pemilik Owners of the
Entitas Induk Parent Entity
Diatribusikan - - - - - Attributable to
kepada Non-Controlling
Kepentingan Non- Interests
Pengendali
LAPORAN ARUS KAS STATEMENTS OF CASH FLOWS
Arus Kas dari 7.837.071 2.116.579 (1.212.141) (950.257) (807.980) Cash Flows
Aktivitas Operasi from Operating
Activities
Arus Kas dari (114.928) (242.578) (239.975) (187.899) (210.980) Cash Flows from
Aktivitas Investasi Investing Activities
Arus Kas 1.329.009 203.099 1.000.000 - 33.154 Cash Flows

dari Aktivitas from Financing
Pendanaan Activities
Kenaikan 9.051.152 2.077.100 (452.116) (1.138.156) (985.806) Increase

(Penurunan) Bersih (Decrease) in
Kas dan Setara Kas Cash and Cash
Equivalents
Kas dan Setara Kas 6.316.455 4.213.323 4.719.849 5.820.259 6.778.388 Cash and Cash
Awal Tahun Equivalents at
Beginning of the
Year
Pengaruh 85.322 26.032 (54.410) 37.746 27.677 Effect on Foreign

Perubahan Kurs Exchange Rate
Mata Uang Asing Changes
Kas dan Setara Kas 15.452.929 6.316.455 4.213.323 4.719.849 5.820.259 Cash and Cash
Akhir Tahun Equivalents at End
of the Year
18
2021 BANK
RASIO KEUANGAN PENTING

Financial Ratios
(%, kecuali dinyatakan lain) (%, unless otherwise stated)
PERMODALAN EQUITY
Kewajiban Penyediaan Capital

Modal Minimum (KPMM) 29,12 17,29 17,32 17,60 18,31 Adequacy Ratio
(CAR)
Aset Tetap terhadap Fixed Assets to

36,65 39,71 36,61 39,13 36,19
Modal Total Equity
ASET PRODUKTIF EARNING ASSETS
Aset Produktif Non-

Bermasalah terhadap Performing
Total Aset Produktif 1,80 3,70 6,32 4,27 3,22 Earning
Assets to Total
Earning Assets
Kredit Bermasalah – Gross Non-

4,64 4,75 7,83 4,74 3,79 Performing
Loans–Gross
Kredit Bermasalah – Non-

Bersih 1,18 1,39 4,33 2,73 2,34 Performing
Loans – Net
CKPN terhadap Aset Provision to

3,43 4,54 4,32 2,95 1,94
Produktif Earning Assets
Pemenuhan CKPN Compliance

100,00 100,00 100,00 100,00 100,00
Provision
RENTABILITAS PROFITABILITY
Tingkat Pengembalian Return on

0,34 0,30 0,23 0,25 1,26
Aset Assets
Tingkat Pengembalian Return on

2,02 2,25 0,14 1,12 7,51
Ekuitas Equity
Marjin Bunga Bersih Net Interest

5,79 6,25 7,31 7,61 6,46
Margin
Biaya Operasional Operating

terhadap Pendapatan Expenses to
97,12 111,70 119,43 97,62 88,94
Operasional (BOPO) Operating
Income
LIKUIDITAS LIQUIDITY
Kredit terhadap Dana Loan to

41,22 56,97 81,95 84,24 80,57
Masyarakat Deposit Ratio
19
BANK 2021
KEPATUHAN COMPLIANCE
Pelanggaran BMPK Legal Lending

Nil Nil Nil Nil Nil
Limit Violation
Pihak Terkait Nil Nil Nil Nil Nil Related Parties
Pihak Tidak Terkait Unrelated

Nil Nil Nil Nil Nil
Parties
Pelampauan BMPK Legal Lending

Nil Nil Nil Nil Nil
Limit Excess
Giro Wajib Minimum Statutory

(GWM) – Rupiah Reserves
5,30 4,34 6,62 7,52 7,16
Requirement
(GWM) – Rupiah
Giro Wajib Minimum Statutory

(GWM) – Valas Reserves
4,01 4,02 8,01 8,03 9,40
Requirement
(GWM) – Valas
Posisi Devisa Neto (PDN) Net Open

1,11 0,68 2,26 0,71 1,24
Position
20
2021 BANK
IKHTISAR OPERASIONAL
Operational Highlights
JENIS KREDIT LENDING PRODUCTS
Pinjaman Cicilan 6.219.020 8.393.218 9.245.784 5.795.566 5.142.908 Installment Loans
Pinjaman Tetap 2.922.920 3.224.091 4.652.917 5.834.528 5.305.848 Fixed Loans
Pinjaman Konsumsi Consumption

1.909.192 2.156.592 3.445.020 4.177.479 4.051.809
Loans
Pembiayaan Mudharabah
583.031 1.230.954 839.324 1.890.133 2.871.562
Mudharabah Financing
Pembiayaan Musyakarah
3.726.232 2.987.939 1.561.378 1.130.851 -
Musyarakah Financing
Pinjaman Anjak Piutang 1.207.885 1.143.735 1.236.478 532.721 732.346 Factoring
Piutang Syariah – Sharia Receivables

809.950 678.633 1.085.950 281.677 427.296
Murabahah - Mudharabah
Pinjaman Rekening
271.743 325.350 168.333 115.697 146.406 Overdraft
Koran
Pinjaman Karyawan 87.911 73.987 74.272 76.332 68.828 Employee Loans
Piutang Syariah – Ijarah Sharia Receivables

242 9.868 34.483 4.870 5.094
- Ijarah
Pinjaman Investasi - 937 - 4.479 9.424 Investment Loans
Piutang Syariah – Qardh Sharia Receivables

193.650 251.988 153.313 309 3.526
- Qardh
Jumlah 17.931.776 20.477.292 22.497.252 19.844.642 18.765.047 Total
Cadangan Kerugian Allowance for

Penurunan Nilai (1.617.907) (1.598.919) (1.182.755) (630.586) (399.565) Impairment
Losses
Jumlah – Bersih 16.313.869 18.878.373 21.314.497 19.214.056 18.365.482 Total - Net
PRODUK DANA PIHAK KETIGA THIRD PARTY PRODUCT
Giro Demand
19.130.608 9.246.790 7.318.186 5.853.448 7.199.746
Deposits
Tabungan 11.642.139 10.390.895 9.023.625 7.770.435 7.092.986 Savings
Deposito Berjangka 13.696.171 17.118.870 11.878.046 10.674.544 9.313.790 Time Deposits
Total 44.468.918 36.756.555 28.219.857 24.298.427 23.606.522 Total
21
BANK 2021
IKHTISAR SAHAM STOCK HIGHLIGHTS
INFORMASI SAHAM STOCK INFORMATION
Saham Bank Sinarmas diperdagangkan di Bursa Bank Sinarmas shares are traded on the Indonesia
Efek Indonesia dengan kode saham “BSIM”. Pada Stock Exchange with the stock code “BSIM”. At the
penutupan perdagangan tahun buku 2021, saham close of trading for the 2021 fiscal year, the BSIM
BSIM berada pada level Rp875 per lembar. shares were at Rp875 per share.
PERKEMBANGAN KINERJA SAHAM TRIWULAN (2020-2021)

Stock Performance Growth (2020-2021)
Harga Harga Harga

Volume Kapitalisasi
Tertinggi Terendah Penutupan Jumlah
Perdagangan Pasar
Periode Highest Lowest Closing Saham
Trading Market
Period Price Price Price Beredar
Volume Capitalization
(Rp) (Rp) (Rp) Total Shares
(Rp)
2021
Kuartal
1.250 472 610 2.692.800 17.280.700.854 10.541.227.520.940
First Quarter
Kuartal II
Second 760 505 540 356.000 19.517.921.842 10.539.677.794.680
Quarter
Kuartal III
1.365 525 900 8.257.900 19.517.921.842 17.566.129.657.800
Third Quarter
Kuartal IV
Fourth 1.075 800 875 676.800 19.517.921.842 17.078.181.611.750
Quarter
2020
Kuartal
580 450 500 1.000 17.263.894.926 8.631.947.463.000
First Quarter
Kuartal II
Second 545 450 545 89.300 17.263.895.026 9.408.822.789.170
Quarter
Kuartal III
535 450 472 21.500 17.263.895.026 8.148.558.452.272
Third Quarter
Kuartal IV
Fourth 530 430 505 339.300 17.263.895.026 8.718.266.988.130
Quarter
22
2021 BANK
PERGERAKAN HARGA SAHAM 2021

2021 Stock Price Movement Graph
Harga Penutupan
Volume
Closing Price
1.400 35.000.000
1.200 30.000.000
1.000 25.000.000
800 20.000.000
600 15.000.OOO
400 10.000.OOO
200 5.000.000
0 -
Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
January February March April May June July August September October November December
AKSI KORPORASI CORPORATE ACTION

Bank Sinarmas tidak melakukan aksi korporasi Bank Sinarmas did not take corporate actions such
seperti pemecahan, penggabungan saham, dividen as stock splits, stock mergers, stock dividends, bonus
saham, saham bonus, perubahan nilai nominal shares, changes in the nominal value of shares,
saham, penerbitan efek konversi, penambahan dan issuance of conversion securities, capital additions
pengurangan modal, maupun aksi korporasi lainnya and subtractions, and other corporate actions that are
yang dibenarkan dalam aktivitas perdagangan justified in stock trading activities until December 31,
saham sampai dengan 31 Desember 2021. 2021.
PENGHENTIAN SEMENTARA PERDAGANGAN SUSPENSION OR DELISTING
Bank Sinarmas tidak pernah menerima sanksi Bank Sinarmas never received any sanctions including
berupa penghentian sementara perdagangan saham suspension of stock trading and/or delisting of shares
(suspension) dan/atau pembatalan pencatatan from the Stock Exchange where the shares were listed
saham (delisting) dari Bursa Efek tempat tercatatnya until December 31, 2021.
saham sampai dengan 31 Desember 2021.
23
BANK 2021
INFORMASI OBLIGASI/SUKUK BONDS/SUKUK
PT. Bank Sinarmas Tbk. tidak pernah menerbitkan PT. Bank Sinarmas Tbk. never issued bonds/convertible
obligasi/obligasi konversi maupun sukuk sampai bonds or Sukuk until the end of the reporting period
dengan akhir periode pelaporan 31 Desember 2021, on December 31, 2021, and, therefore, no information
sehingga tidak terdapat informasi mengenai hal is available regarding this matter.
tersebut.
ASPEK LINGKUNGAN ENVIRONMENTAL ASPECT
Bank Sinarmas menyadari pentingnya upaya Bank Sinarmas recognizes the importance
pelestarian lingkungan hidup sebagai bagian dari of environmental conservation efforts as part
pembangunan berkelanjutan. Oleh karena itu, kami of sustainable development. Therefore, we
senantiasa mengalokasikan dana Tanggung Jawab always allocate Social and Environmental
Sosial Lingkungan (TJSL) untuk upaya tersebut. Responsibility (CSR) funds for these efforts.
Kesadaran akan pentingnya lingkungan juga Awareness of the importance of the environment
diberlakukan dalam internal Bank. Hal ini tertuang is also raised within the Bank. This is stated in
dalam Petunjuk Pelaksanaan Penghematan the Implementation Guidelines for Saving Paper,
Kertas, Listrik, dan Air, yang berisi tentang Electricity, and Water, which contain implementation
petunjuk pelaksanaan dan acuan tertulis untuk instructions and written references for saving
penghematan air, listrik, dan kertas. Petunjuk water, electricity, and paper. The implementation
pelaksanaan tersebut telah diterapkan di semua guidelines have been implemented in all offices,
kantor, baik kantor pusat maupun kantor cabang. both the head office and branch offices. We hope
Kami berharap penerapan petunjuk pelaksanaan that the policy adoption may encourage the growth
tersebut dapat mendorong pertumbuhan budaya of a culture of efficiency in the Company, and has a
efisiensi di Perusahaan, serta memberikan dampak positive impact on the environment in the future.
positif terhadap lingkungan di kemudian hari.
Selain itu, Bank Sinarmas telah memulai pengunaan In addition, Bank Sinarmas has started the use of
energi terbarukan dalam upaya penghematan listrik renewable energy in an effort to save electricity by
dengan pemasangan panel surya di Kantor Cabang installing solar panels at the Diponegoro and Klampis
Diponegoro dan Klampis Surabaya. Branch Offices in Surabaya.
24
2021 BANK
IKHTISAR KINERJA ASPEK LINGKUNGAN

Environmental Performance Highlights
Uraian Satuan
2021 2020 2019
Description Unit
Kegiatan Tanggung Jawab Lingkungan

Environmental Responsibility Activities
Realisasi TJSL Lingkungan Hidup

Rp 165.390.000 218.000.000 50.000.000
Actual spending for environmental activities
Kinerja Internal
Internal Performance
Penggunaan Energi
Energy Consumption
Listrik | Electricity kWh 252.647 297.864 333.088
Air | Water Rp Juta

21 34 33
Million Rp
Penggunaan BBM Rp Juta

310 457 339
Fuel Consumption Million Rp
Pengurangan Limbah Kertas

Ton 1.786 2.482 3.284
Paper Waste Reduction
Kantor Cabang yang Mendukung Green Office Kantor

4 2 -
Number of Green Branch Offices Office
Keterangan: Perhitungan energi listrik hanya mencakup KC Diponegoro dan KC Klampis

Note: The calculation of electricity consumption only includes the Diponegoro and Klampis branch offices.
Proses bisnis Bank Sinarmas tidak berkaitan langsung Bank Sinarmas’ business processes are not directly
dengan pelestarian keanekaragaman hayati, sehingga related to biodiversity conservation and, therefore, no
tidak ada informasi yang dapat diungkapkan. information can be provided.
ASPEK SOSIAL SOCIAL ASPECT
Program keuangan berkelanjutan yang diterapkan, The sustainable finance program implemented by
Bank Sinarmas telah memberikan dampak langsung Bank Sinarmas has direct and indirect impacts on the
dan tidak langsung kepada masyarakat di sekitarnya. surrounding community. The MSME development,
Program pembinaan UMKM, pengolahan limbah waste management, and reading programs
lingkungan, dan gerakan membaca yang dilakukan implemented by the Corporate Secretary Division
oleh Divisi Corporate Secretary berkoordinasi dengan in coordination with relevant work units are able to
unit-unit kerja terkait, mampu memberdayakan empower the surrounding community.
masyarakat sekitarnya.
25
BANK 2021
Salah satu kelompok desa binaan Bank Sinarmas One of the village groups assisted by Bank Sinarmas,
yang bernama kelompok Obor Desa Organik Sukajaya the Sukajaya Organic Village Torch (SOVT) group, won
(ODOS) berhasil meraih juara pertama dalam first place in the Regional Development Program in
kompetisi program Bina Wilayah tingkat Kabupaten the West Bandung district. SOVT processed fresh
Bandung Barat. ODOS mengolah limbah peternakan cattle farm waste into briquettes for growing media
sapi segar menjadi media tanam Briket OBOR. sold under the OBOR brand.
Dalam menjalankan operasional usahanya, Bank In carrying out its business operations, Bank Sinarmas
Sinarmas terus membangun kapasitas internal, continues to build internal capacity, offer equal
menerapkan kesetaraan kesempatan bekerja, serta employment opportunities, and create good working
menciptakan kondisi kerja yang baik bagi semua conditions for all employees.
karyawan.
IKHTISAR KINERJA ASPEK SOSIAL

Social Performance Highlights
Uraian Satuan
2021 2020 2019
Description Unit
Kegiatan Tanggung Jawab Sosial | Social Responsibility Activities
Realisasi TJSL Sosial Kemasyarakatan

Rp 1.339.832.488 1.468.190.746 1.623.708.362
Actual spending on social activities
Realisasi TJSL Pendidikan

Rp 65.275.000 96.000.000 49.000.000
Actual spending on educational activities
Kinerja Internal | Internal Performance
Penerapan K3
Rp 6.000.000 90.250.000 15.000.000
OHS implementation
Tingkat Perputaran Karyawan

% 15.90* 21,59 27,88
Employee Turnover Rate
Jumlah Karyawan Orang

Number of Employees Number of 6.923 6.957 6.991
People
Komposisi Karyawan
Employee Composition
%
• Pria/Male 59,34 58,73 57,63
• Wanita/Female 40,66 41,26 42,37
Keterangan | Remarks:
*Turn over regretted employee
26
2021 BANK
TENTANG LAPORAN ABOUT THE REPORT
Laporan ini merupakan Laporan Gabungan This report is a combined report consisting of the
(Combined Report) yang terdiri dari Laporan annual report and sustainability report of PT. Bank
Tahunan dan Laporan Keberlanjutan PT. Bank Sinarmas Tbk., for the period from January 1 to
Sinarmas Tbk., untuk periode 1 Januari – 31 Desember December 31, 2021. Bank Sinarmas publishes reports
2021. Bank Sinarmas menerbitkan laporan secara on an annual basis, and this year is the second year
berkesinambungan setiap tahun dan tahun ini adalah that Bank Sinarmas presents a combined report. The
tahun kedua Bank Sinarmas menyajikan Laporan annual report and sustainability report are combined
Gabungan. Pemenuhan informasi terkait Laporan to avoid repetitive information. The last combined
Tahunan dan Laporan Keberlanjutan telah dipadukan report was published on April 2021. This report does
sehingga tidak terdapat informasi yang berulang. not contain restatements. Furthermore, there are
Laporan Gabungan terakhir diterbitkan pada April no significant changes from the previous reporting
2021. Laporan ini tidak memuat informasi yang period because Bank Sinarmas has not mapped out
dinyatakan kembali. Selain itu, tidak ada perubahan the material topics. [102-48][102-49][102-50][102-51][102-52]
signifikan dari periode pelaporan sebelumnya karena

Bank Sinarmas belum memetakan topik material. [102-
48][102-49][102-50][102-51][102-52]
Dalam menyusun laporan, Bank Sinarmas In compiling the reports, Bank Sinarmas refers to
berpedoman pada SEOJK No. 16/SEOJK.04/2021 SEOJK No. 16/SEOJK.04/2021 as a guideline for the
sebagai pemenuhan Laporan Tahunan, serta annual report, and POJK No. 51/POJK.03/2017 and
POJK No. 51/POJK.03/2017 dan beberapa indikator some Global Reporting Initiative (GRI) indicators for
Global Reporting Initiative (GRI) untuk Laporan the sustainability report. All information presented,
Keberlanjutan. Seluruh informasi yang disajikan, including financial statements, only comes from Bank
termasuk laporan keuangan, hanya berasal dari Bank Sinarmas because it does not have any subsidiaries or
Sinarmas karena tidak memiliki entitas anak maupun affiliates. In 2021, assurance has not been provided by
asosiasi. Pada tahun 2021, laporan ini belum dilakukan an external party for this report. However, the Bank
penjaminan (assurance) oleh pihak eksternal. Akan ensures that the information presented has gone
tetapi, Bank memastikan informasi yang disajikan through a process of review and approval from the
telah melalui proses pengkajian dan persetujuan dari management and relevant departments. Similarly,
manajemen dan departemen terkait. Begitu pula the financial statements have been audited by a
dengan laporan keuangan yang sudah diaudit oleh public accounting firm. [102-45][102-54][102-56]
Kantor Akuntan Publik. [102-45][102-54][102-56]
27
BANK 2021
STRATEGI KEBERLANJUTAN SUSTAINABILITY STRATEGY
Bank Sinarmas memiliki visi “Menjadi Bank Bank Sinarmas has a vision to “become a leading bank
terkemuka di Indonesia dengan jaringan distribusi in Indonesia with an integrated distribution network
yang terintegrasi dan layanan yang prima”. Dalam and excellent service”. To achieve this vision, we always
mencapai visi ini, kami selalu memperhatikan pay attention to the alignment of the three pillars of
keselarasan tiga pilar keberlanjutan, yaitu ekonomi, economic, social, and environmental sustainability. We
sosial, dan lingkungan. Kami berkomitmen dalam are committed to maintaining the alignment of the
menjaga keselarasan ketiga pilar keberlanjutan untuk three sustainability pillars to support the achievement
mendukung Tujuan Pembangunan Berkelanjutan of Sustainable Development Goals (SDGs).
(TPB).
Bank Sinarmas telah menetapkan sasaran strategis To fulfill its commitment to sustainability, Bank
selaras dengan rencana bisnis bank sebagai Sinarmas outlined its strategic targets in the 2021
komitmen keberlanjutan di dalam Rencana Aksi Sustainable Finance Action Plan (SFAP), which are
Keuangan Berkelanjutan (RAKB) 2021. RAKB ini in line with the bank’s business plan. The SFAP was
disusun berdasarkan Peraturan Otoritas Jasa prepared based on Financial Services Authority
Keuangan (POJK) No. 51/POJK.03/2017 tentang Regulation (POJK) No. 51/POJK.03/2017 concerning
Penerapan Keuangan Berkelanjutan bagi Lembaga Sustainable Finance Implementation for Financial
Jasa Keuangan, Emiten, dan Perusahaan Publik. Services Institutions, Issuers, and Listed Companies.
Sebagai dukungan terhadap Keuangan Berkelanjutan, As support for sustainable finance, Bank Sinarmas
Bank Sinarmas memberikan pembiayaan kredit bagi provides credit financing for micro, small, and
pelaku Usaha Mikro, Kecil, dan Menengah (UMKM), medium enterprises (MSMEs), develops livestock and
mengembangkan portofolio kredit peternakan dan agriculture loan portfolios, and supports government
pertanian, serta mendukung program pemerintah programs including distributing the Kredit Usaha
seperti penyaluran Kredit Usaha Rakyat (KUR) dan Rakyat (KUR) microcredit and providing branchless
layanan keuangan tanpa kantor dalam rangka financial services within the framework of financial
keuangan inklusif (Laku Pandai). Selain itu, kami inclusion (Laku Pandai). In addition, we are constantly
senantiasa mengembangkan produk dan layanan developing digital banking products and services to
digital banking untuk meningkatkan efektivitas dan improve the effectiveness and efficiency of customer
efisiensi transaksi nasabah. transactions.
SimobiPlus adalah salah satu produk dan layanan SimobiPlus is a digital technology-based product
berbasis teknologi digital yang merupakan bentuk and service which is the embodiment of Bank
komitmen Bank Sinarmas dalam mengembangkan Sinarmas’ commitment to product development
produk serta menjawab tantangan dan peluang and response to digitalization challenges and
digitalisasi. Transformasi digital yang telah kami opportunities. The digital transformation that we
jalankan terbukti meningkatkan kepuasan nasabah have carried out has proven to increase customer
dan mampu mengatasi tantangan ekonomi Bank satisfaction and be able to overcome the Bank’s
selama pandemi. economic challenges during the pandemic.
Salah satu kunci sukses penerapan strategi One of the keys to the successful implementation of a
keberlanjutan pada aspek sosial adalah peningkatan sustainability strategy in the social aspect is increasing
kapasitas internal organisasi. Bank Sinarmas terus the Bank’s organizational capacity. Bank Sinarmas
28
2021 BANK
mengembangkan program peningkatan kompetensi continues to improve employee competence in

karyawan terkait prinsip-prinsip keberlanjutan melalui sustainability through employee capacity-building
pelatihan pengembangan kapasitas karyawan. Hal ini training. This is in line with the noble values and work
sejalan dengan nilai-nilai luhur dan etos kerja yang ethic implemented by the Company
diterapkan oleh Perseroan.
Pada aspek lingkungan hidup, pada tahun 2020, Bank In the environmental aspect, Bank Sinarmas started
Sinarmas telah memulai proyek rintisan pemasangan a pilot project to install solar panels in two branch
panel surya di 2 kantor cabang Surabaya. Proyek ini offices in Surabaya in 2020. This project was continued
dilanjutkan di tahun 2021 dengan pemasangan panel in 2021 with the installation of solar panels at KC Solo
surya di KC Solo dan KCP Kapt. Soebijanto, BSD. and KCP Kapt. Soebijanto, BSD.
Bank Sinarmas berkomitmen dalam mengurangi Bank Sinarmas is committed to reducing energy
konsumsi energi, baik berupa bahan bakar minyak consumption including fuel and electricity, water
(BBM), listrik, air, serta mengurangi penggunaan consumption, and the use of paper at each branch
kertas yang dilakukan di setiap kantor cabang. Kami office. We also implement a program, which is a
juga memiliki program penggunaan transportasi follow-up to the program implemented in 2020,
ramah lingkungan dengan pengadaan sejumlah to use eco-friendly transportation by procuring
13 unit motor listrik untuk operasional usaha 13 electric motorcycles for business operations.
yang merupakan program lanjutan tahun 2020.
Bank Sinarmas telah menerapkan prinsip- Bank Sinarmas applies the sustainability principles
prinsip keberlanjutan atas operasional bank dan to its operations and helps raises stakeholders’
turut meningkatkan kesadaran para pemangku awareness to strengthen a culture of sustainability for
kepentingan untuk memperkuat budaya a better future.
keberlanjutan demi masa depan yang lebih baik.
DUKUNGAN TERHADAP TUJUAN SUPPORT FOR SUSTAINABLE

PEMBANGUNAN BERKELANJUTAN DEVELOPMENT GOALS
Bank Sinarmas telah melakukan pemetaan dukungan Bank Sinarmas has mapped its support for the
pada Tujuan Pembangunan Berkelanjutan (TPB). Sustainable Development Goals (SDGs). This
Pemetaan ini dilakukan sesuai dengan strategi mapping was carried out in accordance with the
dan kegiatan usaha Bank dalam RAKB 2021. Kami Bank’s strategy and business activities in its SFAP for
menyampaikan 7 prioritas TPB sebagai target 2021. We have set seven priority SDGs as targets for
dukungan, yaitu Kehidupan Sehat dan Sejahtera; our support, which are Good Health and Well-being;
Pendidikan Berkualitas; Kesetaraaan Gender; Energi Quality Education; Gender Equality; Affordable and
Bersih dan Terjangkau; Pekerjaan yang Layak dan Clean Energy; Decent Work and Economic Growth;
Pertumbuhan Ekonomi; Konsumsi dan Produksi yang Responsible Consumption and Production; Peace,
Bertanggung jawab; serta Perdamaian, Keadilan dan Justice and Strong Institutions.
Pelembagaan yang Kuat.
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BANK 2021
PRIORITAS DUKUNGAN TERHADAP TUJUAN PEMBANGUNAN BERKELANJUTAN

Priority Support to Sustainable Development Goals
Kehidupan Sehat dan Sejahtera

Good Health and Well-being
Target 2022:
1. Nihil kecelakaan kerja.
2. Prosentase pemenuhan vaknisasi COVID-19 karyawan di atas 95%.
Targets in 2022:
1. Zero work accidents.
2. The percentage of employees’ COVID-19 vaccination fulfillment is above 95%.
Kegiatan:
1. Menyediakan fasilitas pendukung agar tercipta suasana kerja yang sehat, aman, dan nyaman di lingkungan kerja.
2. Melakukan sosialisasi dan pelatihan standar kesehatan dan keselamatan kerja.
3. Mengadakan kegiatan vaksinasi massal bagi karyawan dan keluarga.
Activities:
1. Create a healthy, safe, and comfortable working environment by providing sufficient supporting facilities.
2. Conduct socialization and training on occupational health and safety standards.
3. Conduct mass vaccination activities for employees and their families.
Strategi:
1. Bekerja sama dengan pihak-pihak terkait dalam menyusun program sosialisasi dan pelatihan kesehatan dan
keselamatan kerja.
2. Bekerja sama dengan rekanan asuransi kesehatan, pihak institusi medis, dan pihak-pihak terkait lainnya dalam
pelaksanaan vaksinasi.
Strategies:
1. Work with relevant parties in developing occupational health and safety socialization and training programs.
2. Cooperate with health insurance partners, medical institutions, and other related parties in the implementation of
vaccinations.
Pendidikan Berkualitas
Quality Education
Target 2022:
1. Menetapkan 40 jam pelatihan/karyawan.
2. Mengembangkan 3 program pelatihan jangka panjang untuk level jabatan tertentu.
Targets in 2022:
1. 40 hours of training per employee are assigned.
2. Develop 3 long-term training programs for certain job levels.
Kegiatan:
1. Melakukan pelatihan melalui daring/aplikasi.
2. Mengembangkan modul e-learning untuk dapat diakses oleh seluruh karyawan.
3. Menjalankan program IT Upgrade Camp, Executive Development Program dan Sales Onboarding.
Activities:
1. Conduct online and in-class training on Sustainable Finance.
2. Develop e-learning modules, accessible to all employees.
3. Run the IT Upgrade Camp program, Executive Development Program and Sales Onboarding.
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2021 BANK
Strategi:
1. Mengembangkan LMS internal dan modul pelatihan.
2. Bekerja sama dengan vendor pelatihan dalam pelaksanaan pelatihan secara daring.
Strategies:
1. Develop internal LMS and training modules.
2. Cooperate with training providers to conduct online training.
Kesetaraan Gender
Gender Equality
Target 2022:
1. Menerapkan prinsip kesetaraan gender.
2. Memberikan edukasi kesetaraan gender kepada karyawan.
Targets in 2022:
1. Apply the principle of gender equality.
2. Provide gender equality education to employees.
Kegiatan:
1. Melakukan kajian dan pembaruan terhadap ketentuan dan kebijakan yang berlaku.
2. Membuat modul pelatihan terkait kesetaraan yang dapat diakses oleh seluruh karyawan.
Activities:
1. Review and update the prevailing provisions and policies.
2. Create training modules related to equality, accessible to all employees.
Strategi:
1. Menerapkan kebijakan kesetaraan dalam pemenuhan sumber daya manusia (SDM) dan pengembangan karir
karyawan.
2. Menyusun program edukasi kesetaraan gender melalui daring/aplikasi.
Strategies:
1. Implement an equality policy in recruitment and career development.
2. Develop an online gender equality education program or gender equality education application.
Energi Bersih dan Terjangkau

Affordable and Clean Energy
Target 2022:
1. Penambahan pemasangan panel surya di 1 hingga 2 lokasi cabang.
2. Penambahan penggunaan motor listrik 12 unit.
Targets in 2022:
1. Add solar panel installation at 1 to 2 branch locations.
2. Add 12 electric motorcycles
Kegiatan:
1. Melakukan pemasangan panel surya di 2 lokasi cabang, yaitu KC Solo dan KCP Kapt. Soebijanto, BSD.
2. Menggunakan motor listrik 13 unit.
3. Adanya penurunan 28% limbah kertas pada kegiatan operasional di tahun 2021 dibanding 2020.
4. Adanya penggunaan lampu LED di KPNO Roxy Square.
Activities:
1. Instal solar panels in 2 branch locations, namely KC Solo and KCP Kapt. Soebijanto, BSD.
2. Utilize 13 units of electric motorcycle.
3. A 28% reduction in paper waste from operational activities in 2021 compared to 2020.
4. Utilization of LED lights at KPNO Roxy Square.
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BANK 2021
Strategi:
1. Melakukan sosialisasi efisiensi penggunaan kertas bekas, listrik, dan air.
2. Pelaksanaan secara konsisten dan berkesinambungan.
Strategies:
1. Constant reminder about paper, electricity, and water efficiency.
2. Consistent implementation.
Pekerjaan Layak dan Pertumbuhan Ekonomi

Decent Work and Economic Growth
Target 2022:
1. Tersedianya materi pelatihan terkait entrepreneurship yang dapat diakses oleh karyawan.
2. Menerapkan pemberian upah sesuai dengan standar upah minimum.
Targets in 2022:
1. Availability of training materials related to entrepreneurship that can be accessed by employees.
2. Implement wages in accordance with the minimum wage standards.
Kegiatan:
1. Menyediakan materi pelatihan terkait entrepreneurship yang dapat diakses oleh karyawan melalui e-Learning.
2. Menerapkan pemberian upah sesuai dengan standar upah minimum.
Activities:
1. Provide training materials related to entrepreneurship that can be accessed by employees through e-Learning.
2. Implement wages in accordance with the minimum wage standards.
Strategi:
Bekerja sama dengan vendor pelatihan yang menyediakan materi terkait entrepreneurship.
Strategies:
Collaborate with training vendors who provide materials related to entrepreneurship.
Konsumsi dan Produksi yang Bertanggung Jawab

Responsible Consumption and Production
Target 2022:
1. Konsistensi penghematan pemakaian kertas tahun 2022 di KPNO Roxy Square.
2. Penggunaan lampu LED secara berkesinambungan.
Targets in 2022:
1. Consistent implementation of paper saving program in 2022 at KPNO Roxy Square.
2. Continuous use of LED lights.
Kegiatan:
1. Mematikan lampu dan AC pada waktu-waktu tertentu di KPNO Roxy Square.
2. Menggunakan lebih banyak paperless dalam operasional dan mensosialisasikan penggunaan kertas bekas pada
seluruh unit kerja KPNO Roxy Square.
3. Memprioritaskan penggantian menggunakan lampu LED pada unit kerja di KPNO Roxy Square.
Activities:
1. Turn off light and air conditioning at certain times at KPNO Roxy Square.
2. Use more paperless in operational/re-use paper at KPNO Roxy Square.
3. Prioritize LED lights utilization at KPNO Roxy Square.
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2021 BANK
Strategi:
1. Melakukan sosialisasi efisiensi penggunaan kertas bekas, listrik, dan air.
2. Pelaksanaan efisiensi secara konsisten dan berkesinambungan
Strategies:
1. Continuous reminder on paper, electricity and water efficiency policy.
2. Consistent in efficiency implementation
Perdamaian, Keadilan dan Pelembagaan yang Kuat

Peace, Justice and Strong Institutions
Target 2022:
1. Peningkatan 5% karyawan yang menyelesaikan materi yang terkait kerahasiaan data perusahaan/nasabah.
2. Sosialisasi dan pelatihan tentang kerahasiaan data perusahaan/nasabah.
Targets in 2022:
1. A 5% increase in the number of employees completing materials regarding company/customer data confidentiality.
2. Education and training on company/customer data confidentiality.
Kegiatan:
1. Melakukan pelatihan penyegaran mengenai privasi dan keamanan data nasabah untuk semua karyawan.
2. Mendata jumlah pengaduan atau laporan nasabah terkait keamanan data.
3. Melakukan pelatihan daring melalui aplikasi.
Activities:
1. Conduct refresher training on privacy and security of customer data for all employees.
2. Record the number of complaints or customer reports related to data security.
3. Conduct online training through a training application.
Strategi:
1. Mengembangkan aplikasi pelatihan.
2. Bekerja sama dengan pihak-pihak terkait dalam melaksanakan sosialisasi dan pelatihan.
Strategies:
1. Develop a training application.
2. Work with relevant parties to conduct outreach and organize training.
33
BANK 2021
PENCAPAIAN, PENGHARGAAN, DAN ACHIEVEMENTS, AWARDS, AND

SETIFIKASI CERTIFICATIONS
PERINGKAT PERSEROAN COMPANY RATING
Lembaga Pemeringkat Peringkat Masa Berlaku

Rating Agencies Rating Validity Period
PT Fitch Ratings Indonesia National Long Term Rating A-(idn) with stable outlook August 2021 – 2022
National Short Term Rating F1(idn)
Kredit Rating Indonesia Corporate Rating of irA with stable outlook 27 October 2020 – 1 November 2021
Kredit Rating Indonesia Corporate Rating of irA with stable outlook 29 October 2021 – 1 November 2022
PENGHARGAAN DAN SERTIFIKAT AWARD AND CERTIFICATIONS
Tanggal Nama Penghargaan Penyelenggara

Date Name of Awards Organizer
29 Januari/January 2021 The Best Sharia Unit Bank Iconomics
The Best Sharia Unit Bank
PT Bank Sinarmas Tbk
5 Februari/February 2021 Indonesia GCG Award VI-2021 - Economic Review

Peringkat 3 The Best Indonesia GCG
Indonesia
Award-VI-2021 untuk Kategori Public
Award
AWARDED TO:
PT Bank Sinarmas Tbk.

Company - Bank BUKU 2 - Asset Rp25 T
3rd The Best
Indonesia GCG Award-VI-2021
Category : Public Company - Bank - BUKU 2 - Asset > Rp.25 T
Silver - Score : 79,26
Na onal Zoominar & Award GCG -VI-2021
“Standardiza on of the implementa on of sustainable GCG a�er the pandemic Covid-19”
Indonesia GCG Award VI-2021 – Third
place in The Best Indonesia GCG
Jakarta, February 5th 2021
Board of Jury
Indonesia
Hj. Irlisa Rachmadiana, SSn., MM. DR. Dewi Hanggraeni, SE
,MBA
Founder Award Chairwoman Board of Jury
Perempuan
Award-VI-2021 for the category of

Pemimpin
Indonesia
INDONESIAN WOMEN’S LEADERS ASSOCIATION
public companies - BUKU 2 Banks -

Rp25 T in assets
26 Februari/February 2021 Millenials Popular Digital Brand in QR Iconomics

Bank Buku 2
Implementation - Kategori Bank BUKU
2
QR Implementation

Popular Digital Brand among
Millennials in QR Implementation – in
the category of BUKU 2 Banks
9 April 2021 Peringkat 1 - The Best Enterprises Risk Economic Review

Management - 2021 - Kategori Bank
Company - Buku 2 - Asset Rp25 T s.d.
PT BANK SINARMAS TBK
Rp50 T
1st The Best
Indonesia Enterprises Risk Management Award-IV-2021
Category : Bank - BUKU 2 - Public Company
Asset Rp.25 T s/d < Rp.50 T
Na onal IERMA Zoominar & IERMA Award - IV-2021
“Strengthening Risk Awareness in the Face of Future Business Disrup on”
First Place - The Best Enterprises Risk
Management - 2021 – in the category of
th
Jakarta, April 9 2021
Board of Jury
Company Banks - BUKU 2 – with Rp25

T to Rp50 T in assets
34
2021 BANK

25 Mei/May 2021 The Best 3 of Indonesia Sharia Finance Warta Ekonomi

Awards 2021 dan The Outstanding
Contribution in Digitalization and
Youth Empowerment
The Best 3 of Indonesia Sharia Finance
Awards 2021, and The Outstanding
Warta Ekonomi proudly honors:

as
The Best 3 of Indonesia Sharia Finance Awards 2021
Contribution in Digitalization and
Youth Empowerment
The Outstanding Contribution in Digitalization and Youth Empowerment
Category : Sharia Business Unit of Conventional Bank
Monday, May 31st 2021

Jakarta
Fadel Muhammad Muhamad Ihsan

Founder & President Commissioner CEO & Chief Editor
11 Juni/June 2021 Peringkat 1 - The Best Informative Economic Review

Website 2021 - Kategori Bank BUKU 2
Asset Rp25 T s.d. Rp50 T
PT BANK SINARMAS TBK
First Place - The Best Informative
1st The Best
Indonesia Enterprises Risk Management Award-IV-2021
Category : Bank - BUKU 2 - Public Company
Asset Rp.25 T s/d < Rp.50 T
Na onal IERMA Zoominar & IERMA Award - IV-2021
“Strengthening Risk Awareness in the Face of Future Business Disrup on”
Website 2021 – in the category of BUKU
2 Banks with Rp25 T to Rp50 T in assets
Jakarta, April 9th 2021
Board of Jury
14 Juli/July 2021 Indonesia Best CSR Award with Warta Ekonomi

Outstanding Program in Local
Community Economic Empowerment
Warta Ekonomi proudly honors:

- Sector FINANCE - Subsector Bank
BUKU 2
Indonesia Best CSR Award with
as
Indonesia Best CSR Award with Outstanding Program
in Local Community Economic Empowerment
Sector : Finance
an Outstanding Program in Local

Subsector : Bank BUKU 2
Wednesday, July 14th 2021

Jakarta Community Economic Empowerment
Fadel Muhammad
Founder & President Commissioner
Muhamad Ihsan
CEO & Chief Editor
– in the Sector of FINANCE – the

Subsector of BUKU 2 Banks
25 Agustus/August 2021 Outstanding Financial Health and Warta Ekonomi

Corporate Performance Innovative
Digital Banking Products Buku 2 with
total assets over 20 T
Outstanding Financial Health and
Corporate Performance Innovative
Digital Banking Products in the
category of BUKU 2 with total assets of
over Rp20 T
14 September 2021 Top Bank Award 2021 Kategori BUKU 2 Iconomics

Top Bank Award 2021 in the category of
BUKU 2
35
BANK 2021

19 Oktober/October 2021 The Best Bank in Digital Services Tempo

Kategori Konvensional Aset di bawah
Rp100 Triliun
The Best Bank in Digital Services in the
category of Conventional Assets under
Rp100 Trillion
2 November 2021 Bank dengan Perkembangan SimPel/ Otoritas Jasa

SimPel iB Terbaik Keuangan/
A Bank with the Best SimPel/SimPel iB Financial Services
Developments Authority (OJK)
24 November 2021 Bank dengan Kesiapan Implementasi Bank Indonesia

BI-ANTASENA Terbaik Bank Buku 1 dan
2
A Bank with the Best BI-ANTASENA
Implementation Readiness for BUKU 1
and BUKU 2 Banks
23 Desember/December The Best Indonesia Leaders – 2021 Economic Review

2021 untuk Kategori CEO – Public Bank
Company – Asset di Bawah Rp50 T
FRENKY TIRTOWIJOYO
President Director - PT Bank Sinarmas Tbk
The Best Indonesia Leaders – 2021 in
the category of CEO of a Public Bank
"The Best Indonesia Leaders - II - 2021"
Category : President Director
Sector: Public Bank Company Asset < Rp.50T
Founder & Chairwoman of the Jury

Company with assets under Rp50 T
36
LAPORAN
MANAJEMEN
Management Report
Dewan Komisaris dan Direksi melakukan tugas sesuai dengan

tanggung jawabnya melalui mekanisme koordinasi untuk
memastikan pelaksanaan dan pengawasan yang maksimal
dalam memantau kinerja Bank sepanjang tahun 2021
The Board of Commissioners and the Board of Directors carry out
their duties according to their responsibilities by coordinating their
tasks to ensure the utmost implementation and supervision of the
Bank’s performance throughout 2021
BANK 2021
Laporan Dewan Komisaris

Report from the Board of Commissioners
Dewan Komisaris melakukan

pengawasan dan memberikan
arahan kepada Direksi dalam
proses implementasi strategi,
serta mendukung pengembangan
inovasi digital dan kerja sama
kemitraan untuk menjangkau pasar
yang lebih luas.
The Board of Commissioners
supervise and provide directions
to the Board of Directors in
implementing strategies, as well as
support the development of digital
innovation and partnerships to reach
a broader market.
Pemangku Kepentingan yang terhormat, Dear Stakeholders,
Puji syukur kepada Tuhan Yang Maha Kuasa, berkat Praise be to God Almighty, our gratitude for His grace
rahmat-Nya, PT. Bank Sinarmas Tbk. (Bank) mampu that PT. Bank Sinarmas Tbk. (the Bank) was able to
melalui tahun 2021 yang penuh dinamika ini dengan pass through the dynamic year of 2021 satisfactorily.
baik. Dalam kesempatan ini, izinkan saya atas nama On this occasion, allow me, on behalf of the Board
Dewan Komisaris menyampaikan laporan atas fungsi of Commissioners, to present our report on the
pengawasan yang telah kami lakukan selama tahun supervision we did in the financial year 2021.
buku 2021.
38
2021 BANK
Tinjauan Umum General Overview

Sepanjang tahun 2021 Pemerintah terus melakukan Throughout 2021, the government accelerated
percepatan program vaksinasi dan pemulihan vaccination and the national economic recovery.
ekonomi nasional. Program ini cukup efektif dan Accelerated vaccination was quite effective and able
mampu meningkatkan pertumbuhan ekonomi to increase Indonesia’s economic growth. In the first
Indonesia. Pada kuartal I dan II tahun 2021, and second quarters of 2021, economic growth was
pertumbuhan ekonomi tercatat di angka -0,7% dan recorded at -0.7% and 7.07%, whereas previously, in
7,07%, di mana sebelumnya terkontraksi pada angka 2020, it contracted at -2.07%. Slowly, the economy
-2,07% pada tahun 2020. Secara perlahan, kondisi continued to improve as COVID-19 cases declined.
ekonomi terus mengalami perbaikan seiring turunnya
kasus penyebaran COVID-19.
Namun demikian, pandemi COVID-19 belum berakhir. However, the COVID-19 pandemic is not over yet. We
Kami menyadari bahwa tugas Direksi tidaklah mudah. realize that the duties of the Board of Directors during
Industri perbankan terus mengalami dinamika dan the COVID-19 pandemic are not easy. The banking
Bank Indonesia mempertahankan suku bunga acuan industry continues to experience dynamics, and Bank
di level 3,5% sejak Februari hingga Desember 2021. Indonesia maintained its benchmark interest rate at
Suku bunga ini merupakan suku bunga terendah 3.5% from February to December 2021. This interest
sebagai bentuk respon BI untuk mendukung rate was the lowest, and Bank Indonesia’s response
pemulihan ekonomi nasional. Oleh karena itu, or effort to support the national economic recovery.
kebijakan yang inovatif dan tepat sangat penting Therefore, innovative and appropriate policies are
dalam menjaga kinerja usaha dan fundamental Bank. critical in maintaining the business performance and
fundamentals of the Bank.
Penilaian Kinerja Direksi Evaluation of the Board of Directors’

Performance
Kami melakukan evaluasi dan penilaian terhadap We evaluated the performance of the Board of
kinerja Direksi dengan mengacu kepada inisiatif, Directors by referring to the initiatives, efforts, and
upaya, dan pencapaian program kerja yang telah achievements of the work programs outlined in the
disusun dalam Rencana Bisnis Bank. Kami juga Bank’s business plan. We also took into account
memperhitungkan faktor eksternal yang berpengaruh externalities that significantly affected the Bank’s
signifikan terhadap kinerja dan pencapaian Bank. performance and achievements in evaluating the
performance of the Board of Directors.
39
BANK 2021
Dewan Komisaris menilai bahwa Direksi mampu The Board of Commissioners considers that the Board
beradaptasi dengan cepat terhadap perubahan of Directors has the ability to adapt quickly to changing
situasi dan kondisi. Direksi mampu melihat peluang situations and conditions. The Board of Directors
dan potensi yang dimiliki Bank dengan melakukan was able to see opportunities and the potential of
inovasi digital melalui peluncuran sejumlah produk, the Bank by conducting digital innovations through
seperti chatbot Prissa, pembukaan rekening the launch of some products, including the Prissa
tabungan dan giro 100% online, dan kartu kredit chatbot, savings and checking account opening 100%
virtual. Semua produk ini merupakan bentuk adaptasi online, and virtual credit cards. These products are the
Bank terhadap perubahan gaya hidup masyarakat. manifestation of the Bank’s ability to adapt to changes
in people’s lifestyles.
Kami menilai, Direksi mampu mengelola potensi We consider that the Board of Directors has succeeded
risiko, menjaga stabilitas kinerja Bank, serta mematuhi in managing potential risks, maintaining the stability
semua kebijakan regulator. Bank telah melakukan of the Bank’s performance, and complying with all
restrukturisasi kredit kepada debitur yang terdampak regulatory policies. The Bank has restructured the
COVID-19, menyalurkan program kredit Pemulihan loans of debtors affected by COVID-19, distributed the
Ekonomi Nasional (PEN) kepada sektor UMKM, serta national economic recovery credit program to MSMEs,
melakukan penyaluran kredit supply chain financing and distributed supply chain financing credit as a risk
sebagai langkah mitigasi risiko. mitigation measure.
Secara keseluruhan, kami menilai Direksi telah Overall, we consider that the Board of Directors has
menjalankan tugas dan tanggung jawabnya dengan carried out its duties and responsibilities well to
baik sehingga mencapai hasil kinerja yang baik. Pada achieve good performance. At the end of 2021, Bank
akhir tahun 2021, Bank Sinarmas membukukan laba Sinarmas posted a net operating profit of Rp127.75
bersih sebesar Rp127,75 miliar. Angka ini meningkat billion. This figure was an increase of 7.78% or Rp9.23
7,78% sebesar Rp9,23 miliar, apabila dibandingkan billion from Rp118.52 billion in net operating profit
dengan tahun 2020 yang dibukukan sebesar Rp118,52 posted in 2020.
miliar.
Dewan Komisaris menyadari adanya kerugian The Board of Commissioners is aware of the unrealized
komprehensif yang belum direalisasikan terhadap comprehensive loss to the AFS securities portfolio,
portofolio surat berharga AFS, namun kami but we consider that the situation is still controllable
memandang situasi tersebut masih dalam batas and has no impacts on the the Bank’s business
kewajaran dan tidak berpengaruh terhadap sustainability.
keberlangsungan bisnis Bank.
40
2021 BANK
Pengawasan terhadap Supervision of Sustainability

Implementasi Strategi Strategy Implementation
Keberlanjutan
Dewan Komisaris melakukan pengawasan dan The Board of Commissioners supervises and provides
memberikan arahan kepada Direksi dalam proses direction to the Board of Directors for strategy
implementasi strategi. Kami menyambut baik strategi implementation. We support the Board of Directors’
Direksi dalam mengembangkan dan meluncurkan strategy to develop and launch digital innovations and
inovasi-inovasi digital, serta melakukan kerja sama partner with merchants, e-commerce, and fintech
kemitraan dengan beragam merchant, perusahaan companies to reach a broader market.
e-commerce, maupun fintech untuk menjangkau
pasar yang lebih luas.
Kami juga mendukung adanya inovasi dalam We also support innovation by adding billers, such as
penambahan biller, seperti pembukaan rekening opening an online account and opening an online
online dan pembukaan Tabungan Rencana online. Savings Plan. In addition, the Bank has provided
Selain itu, Bank melakukan beberapa kegiatan education to customers on financial products, and
edukasi produk finansial kepada nasabah dan developed electronic banking payments. All of these
mengembangkan pembayaran electronic banking. efforts demonstrate how the Bank continues to adapt
Semua upaya ini menunjukkan bagaimana Bank situation by maximizing opportunities from many
terus beradaptasi untuk memaksimalkan peluang changes.
dari berbagai perubahan.
Kami juga mencatat dan memonitor implementasi We also recorded and monitored the implementation
strategi Direksi dalam mengatasi risiko kredit of the Board of Directors’ strategies for overcoming
selama tahun 2021. Direksi berhasil melanjutkan tiga credit risk in 2021. The Board of Directors succeeded
mekanisme yang telah dijalankan pada tahun 2020, in continuing the three mechanisms implemented
untuk menjaga stabilitas kredit, serta meminimalisasi in 2020 to maintain credit stability and minimize the
jumlah kredit bermasalah. number of non-performing loans.
Di sisi lain, kami mendukung strategi Direksi untuk On the other hand, we support the Board of Directors’
menerapkan kebijakan dan strategi keberlanjutan strategies to implement sustainability policies and
sejalan dengan Rencana Aksi Keuangan strategies in line with the Sustainable Finance Action
Berkelanjutan (RAKB). Hal ini merupakan salah satu Plan (SFAP). The sustainability policies and strategies
respon Bank terhadap tantangan dalam penerapan are the Bank’s responses to the challenges in
keuangan berkelanjutan. Maka, melalui visi keuangan implementing sustainable finance. Thus, through the
berkelanjutan, yaitu “Menjadi bank yang terkemuka vision of sustainable finance, “To become a leading
yang senantiasa menjaga keseimbangan aspek bank that always maintains a balance of economic,
41
BANK 2021
ekonomi, sosial, dan lingkungan dalam menjalankan social, and environmental aspects in conducting its
aktivitas operasionalnya”, Bank akan terus operations,” the Bank will continue to support the
mendukung Tujuan Pembangunan Berkelanjutan. Sustainable Development Goals.
Kami memandang, semua strategi yang telah We view that all the strategies implemented by the
diterapkan oleh Direksi pada tahun buku 2021 Board of Directors in the financial year 2021 are a
merupakan pijakan berharga bagi perkembangan valuable foothold for the development of the Bank.
Bank. Kami memberikan apresiasi atas segala kinerja We appreciate the Board of Directors’ performance,
yang telah ditunjukkan oleh Direksi, termasuk respon including the quick response to the impact of the
cepat terhadap dampak pandemi COVID-19, sehingga COVID-19 pandemic, ensuring that Bank Sinarmas’s
kinerja usaha Bank Sinarmas tetap terkendali. business performance remains under control.
Frekuensi dan Mekanisme Frequency and Mechanism of

Pemberian Nasihat Providing Advice
Kami memiliki mekanisme rapat gabungan dan We have a joint meeting mechanism and a mechanism
mekanisme melalui surat, berupa memorandum by mail, through an internal memorandum, to provide
internal, dalam rangka pemberian nasihat kepada advice to the Board of Directors. Throughout 2021,
Direksi. Sepanjang tahun 2021, rapat gabungan antara twelve joint meetings were held between the Board of
Dewan Komisaris dengan Direksi telah dilaksanakan Commissioners and the Board of Directors. We used
sebanyak 12 kali. Kami menggunakan kesempatan joint meetings to provide directions, suggestions,
rapat gabungan untuk menyampaikan arahan, advice, and views related to the management of the
saran, nasihat, serta pandangan kami terkait dengan Bank to the Board of Directors.
pengelolaan Bank kepada Direksi.
Dewan Komisaris melaksanakan fungsi pengawasan The Board of Commissioners performs its supervisory
dengan dibantu oleh komite-komite di bawah Dewan function with the assistance of committees under
Komisaris, yaitu Komite Audit, Komite Pemantau the Board of Commissioners: the Audit Committee,
Risiko, Komite Remunerasi dan Nominasi, serta Risk Monitoring Committee, Remuneration and
Komite Tata Kelola Terintegrasi. Kami memberikan Nomination Committee, and Integrated Governance
apresiasi kepada seluruh anggota komite yang Committee. We express our appreciation to all
telah menjalankan tugasnya dengan baik, sehingga committee members who have performed their
mampu memberikan rekomendasi penting bagi duties well, providing crucial recommendations to the
Dewan Komisaris. Board of Commissioners.
Penilaian atas Prospek Usaha Business Prospect Evaluation

Dalam menyusun prospek usaha, Direksi In preparing business prospects, the Board of Directors
mempertimbangkan kondisi internal dan eksternal, considers internal and external conditions, including
seperti sumber daya manusia, sumber daya lain human and other resources owned by the Bank,
yang dimiliki Bank, perkembangan perekonomian global and national economic developments, and
global dan nasional, serta kebijakan Pemerintah. government policies. We believe this consideration to
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2021 BANK
Kami menilai pertimbangan ini merupakan langkah be the right step because the target setting becomes
yang tepat, karena penetapan target menjadi realistis realistic as the situation develops.
sesuai dengan perkembangan keadaan.
Seiring dengan pertumbuhan ekonomi, permintaan As the economy improves, public demand for goods
masyarakat akan barang dan jasa akan mengalami and services will increase. Inflation is expected to
peningkatan. Laju inflasi diperkirakan akan strengthen by 3.0%. The government will continue
mengalami penguatan sebesar 3,0%. Pemerintah to provide fiscal support, and energy subsidies will
tetap melanjutkan dukungan fiskal dan subsidi be more targeted, while non-energy subsidies will
energi akan diarahkan lebih tepat sasaran, sedangkan be directed to support MSMEs, farmers, and public
subsidi non energi akan diarahkan untuk mendukung transportation.
UMKM, petani, dan layanan transportasi publik.
Dengan pertimbangan berbagai asumsi makro yang Taking into account various macro assumptions,
merupakan faktor eksternal, serta pertimbangan which are the external factors, and considering
faktor internal Perusahaan, Dewan Komisaris the Company’s internal factors, the Board of
memandang bahwa, prospek usaha yang telah Commissioners views that the business prospects
disusun merupakan target yang realistis dan dapat that have been prepared are realistic targets and
dicapai melalui pengelolaan yang baik. Dewan achievable through good management. The Board
Komisaris berharap, Bank mampu mencapai target of Commissioners hopes that the Bank will be able to
kinerja ini sesuai dengan prospek usaha yang telah achieve these performance targets according to the
disusun melalui implementasi strategi secara cepat, business prospects that have been prepared, through
tepat, dan efisien. the quick, precise and efficient implementation of
strategies.
Pandangan atas Penerapan GCG Views on GCG Implementation

Bank Sinarmas telah memiliki standar acuan Bank Sinarmas already has reference standards
terkait dengan prinsip-prinsip penerapan tata related to the principles of implementing Good
kelola perusahaan yang baik atau Good Corporate Corporate Governance (GCG). At the governance
Governance (GCG). Pada tatanan struktur tata kelola, structure level, the Bank did not experience
sepanjang tahun buku 2021, Bank tidak mengalami any changes in the composition of the Board of
perubahan komposisi Dewan Komisaris. Commissioners in 2021.
Bank senantiasa melakukan penilaian atas kualitas The Bank always evaluates the quality of its GCG
penerapan GCG melalui penilaian sendiri (self- implementation through self-assessment and
assessment), dan melakukan publikasi pada situs publishes it on the Company’s website as part of
web Perusahaan, sebagai bagian dari keterbukaan information disclosure. The self-assessment results
informasi. Hasil self-assessment secara konsisten consistently state that the Bank’s soundness level is in
menyatakan tingkat kesehatan Bank ada pada the “Sound” category.
kategori “Sehat”.
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BANK 2021
Dewan Komisaris meyakini, penerapan praktik GCG The Board of Commissioners believes that
terintegrasi, dan manajemen risiko di lingkungan implementing integrated GCG practices and
Bank, sangat penting. Hal itu akan meningkatkan managing risks within the Bank, are critical. They
kepercayaan para pemangku kepentingan, sehingga will increase the trust of stakeholders and thereby
mampu meningkatkan nilai positif bagi Perusahaan. increase the positive value of the Company.
Dewan Komisaris memandang, manajemen telah The Board of Commissioners views that the
mengimplementasikan GCG secara konsisten dan management has implemented GCG consistently
bertanggung jawab. Manajemen telah melakukan and responsibly. The management has issued a
penerbitan standar acuan pelaksanaan, melakukan reference standard for implementation, conducted
sosialisasi, implementasi, hingga evaluasi pelaksanaan awareness-raising campaigns, implemented the GCG,
GCG pada lingkungan Bank. and evaluated the implementation in the Bank.
Penerapan Whistleblowing System Whistleblowing System

Implementation
Kami memandang penerapan whistleblowing system We view that the whistleblowing system (WBS)
(WBS) sangat bermanfaat sebagai bagian dari upaya implementation is instrumental as part of efforts
pencegahan terjadinya fraud dalam praktik bisnis. to prevent fraud in business practices. Moreover, it
Penerapan WBS tersebut sejalan dengan nasihat is in line with the advice that we always give to the
yang senantiasa disampaikan kepada manajemen management to pay attention to compliance in
agar selalu menerapkan prinsip kepatuhan dalam business practices.
praktik bisnis.
Dewan Komisaris selalu memantau pelaksanaan The Board of Commissioners constantly monitors
WBS dan memastikan bahwa WBS berjalan the WBS implementation and ensures that the WBS
dengan baik melalui fungsi-fungsi terkait. Kami runs well through related functions. As one of the
akan terlibat langsung apabila terdapat laporan responsibilities of the Board of Commissioners, we will
WBS yang merupakan bagian dari tanggung jawab be directly involved if there is a WBS report. We assess
Dewan Komisaris. Kami menilai penerapan WBS di that the WBS implementation within the Bank has
lingkungan Bank telah sesuai dengan ketentuan complied with the prevailing laws and regulations.
perundang-undangan yang berlaku.
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2021 BANK
Apresiasi Bagi Pemangku Appreciation to Stakeholders

Kepentingan
Dewan Komisaris menyampaikan penghargaan The Board of Commissioners expresses its appreciation
kepada Direksi, manajemen dan seluruh karyawan to the Board of Directors, the management, and all
atas kinerja yang telah dipersembahkan pada tahun employees for the performance presented in the
buku 2021. Kami juga menyampaikan terima kasih financial year 2021. We also thank the regulator for the
kepada regulator, atas bimbingan dan pengawasan guidance and supervision, making Bank Sinarmas’
yang telah diberikan, sehingga kegiatan usaha Bank business activities run well.
Sinarmas berjalan dengan baik.
Dewan Komisaris juga menyampaikan terima kasih The Board of Commissioners also expresses gratitude
atas kepercayaan yang telah diberikan oleh seluruh for the trust that all stakeholders, particularly our
pemangku kepentingan, terutama para nasabah customers, have put in us and for being an essential
kami, untuk menjadi bagian penting dari perjalanan part of the Bank’s business journey. Let us adapt
usaha Bank. Mari kita bersama beradaptasi dalam together in the face of various changes to strengthen
menghadapi berbagai perubahan untuk memperkuat sustainability.
keberlanjutan.
Jakarta, 30 April 2022

Atas nama Dewan Komisaris
On behalf of the Board of Commissioners
Tjendrawati Widjaja
Komisaris Utama
President Commissioner
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BANK 2021
Laporan Direksi
Report from the Board of Directors
Bank Sinarmas mencatat kinerja

yang baik di sepanjang tahun
2021, dengan rasio ROE dan ROA
serta CAR sebesar 2,02%, 0,34%,
dan 29,12%, telah melampaui
target.
Bank Sinarmas recorded a
good performance throughout
2021, with ROE, ROA, and CAR
ratios of 2.02%, 0.34% and 29.12%
respectively, exceeding the
target.
Pemangku Kepentingan yang terhormat, Dear Stakeholders,
Dengan mengucap puji syukur kepada Tuhan Yang With gratitude to God Almighty, we have managed
Mahakuasa, kami berhasil melalui perjalanan tahun to get through the journey of 2021 well despite the
2021 dengan baik, meskipun masih diwarnai dengan economic turmoil resulting from the COVID-19
gejolak ekonomi maupun sosial akibat pandemi pandemic. In general, the impacts of the pandemic on
COVID-19. Secara umum, tantangan di tahun 2021 people’s lives and business activities still dominated
masih didominasi oleh dampak pandemi terhadap the challenges in 2021.
kehidupan masyarakat dan aktivitas bisnis.
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2021 BANK
Kami menyampaikan gabungan, yaitu Laporan We are presenting a combined report as one unit,
Tahunan dan Keberlanjutan PT. Bank Sinarmas Tbk. the Annual and Sustainability Report of PT. Bank
(Bank) sebagai satu kesatuan. Kami menyampaikan Sinarmas Tbk. (the Bank). Through it, we are reporting
upaya kami dalam beradaptasi dengan implementasi our efforts to adapt to digitalization to strengthen our
digitalisasi untuk memperkuat kinerja keberlanjutan. sustainability performance.
Bank Sinarmas telah melakukan dan Bank Sinarmas has developed information technology
mengembangkan infrastruktur teknologi informasi, infrastructure and has carried out digitization since
serta proses digitalisasi sejak tahun 2016. Kesiapan ini 2016. This readiness has become a basis for the Bank
menjadi dasar bagi Bank untuk merespon tantangan to respond to sustainability challenges during the
keberlanjutan selama masa pandemi COVID-19. COVID-19 pandemic. Digitization allows us to achieve
Dengan digitalisasi, kami mampu melakukan operational cost efficiency and maximize employee
efisiensi biaya operasional, memaksimalkan kinerja performance through the working-from-home policy
karyawan melalui kebijakan bekerja dari rumah, while providing full service to customers.
dengan tetap memberikan layanan secara maksimal
kepada nasabah.
Kondisi Umum General Condition

Pemerintah merencanakan tahun 2021 sebagai tahun The government planned to have 2021 as the year
pemulihan ekonomi nasional. Program vaksinasi for the national economic recovery and continued
nasional terus dipercepat sebagai upaya untuk to accelerate nationwide vaccination to strengthen
memperkuat pertahanan kesehatan masyarakat. public health defenses. In addition, several policy
Sejumlah stimulus kebijakan, baik berupa bantuan stimuli including social assistance, business incentives,
sosial, kebijakan insentif usaha, dukungan terhadap support for MSMEs and cooperatives, were provided
UMKM dan korporasi, terus diberikan agar sektor to ensure the business sector would bounce back.
usaha kembali tumbuh positif.
Pada sektor perbankan, Bank Indonesia In the banking sector, Bank Indonesia maintained the
mempertahankan suku bunga BI 7-Day Reverse Repo BI 7-Day Reverse Repo Rate (BI7DRR) at 3.50%, the
Rate (BI7DRR) sebesar 3,50%, suku bunga Deposit Deposit Facility interest rate at 2.75%, and the Lending
Facility sebesar 2,75%, dan suku bunga Lending Facility interest rate at 4.25%. It also continued the
Facility sebesar 4,25%. BI juga melanjutkan kebijakan policy of credit restructuring for people affected by
restrukturisasi kredit bagi masyarakat terdampak the pandemic, reducing credit card interest rates to
pandemi, menurunkan suku bunga kartu kredit pada the level of 1.75%, and transparency of prime lending
level 1,75%, dan kebijakan transparansi Suku Bunga rates.
Dasar Kredit (SBDK) perbankan.
Merespon perkembangan dinamika perekonomian, Responding to the dynamics of the economy, Bank
Bank Sinarmas melakukan sejumlah penyesuaian Sinarmas made several adjustments to the target
terhadap target pasar. Dari sisi penempatan dana, market. In terms of fund placements, the Bank avoids
Bank menghindari risiko yang sulit dikontrol seperti risks difficult to control, such as financing, by choosing
47
BANK 2021
pembiayaan, dengan memilih penempatan dana fund placements with investment instruments that
pada instrumen-instrumen investasi yang aman, are safe and liquid but still provide adequate yields.
likuid, namun tetap memberikan imbal hasil (yield)
yang memadai.
Strategi Usaha dan Pencapaian Business Strategies and

Kinerja Achievements
Kami, seluruh Direksi Bank Sinarmas terlibat aktif We, the entire Board of Directors of Bank Sinarmas, are
dalam proses perencanaan sampai implementasi actively involved in the planning and implementation
strategi. Kami menyusun strategi dan kebijakan of strategies. We formulate strategies and policies
dalam rencana bisnis bank (RBB) dan mengajukan in the Bank’s Business Plan and submit the plan to
RBB tersebut kepada Dewan Komisaris untuk the Board of Commissioners for its direction and
mendapatkan arahan dan persetujuan. Seluruh approval. In addition, the entire Board of Directors
Direksi mempunyai tanggung jawab atas has the responsibility to implement and evaluate the
implementasi maupun evaluasi strategi pada setiap strategies of each division the directors lead.
divisi yang dipimpinnya.
Strategi Usaha Business Strategy

Direksi melihat potensi dan peluang pengembangan The Board of Directors sees the potential and
digital Banking yang semakin terbuka. Kami opportunities for digital banking development, which
mencermati perubahan perilaku nasabah yang are increasingly open. We observe changes in the
beralih kepada e-commerce dan digital banking behavior of customers who switch to e-commerce
untuk memudahkan bertransaksi dan melakukan and digital banking to facilitate transactions and
bermacam kegiatan sehari-hari. Maka, kami merespon perform their daily activities. Against this backdrop,
kebutuhan nasabah ini dengan meluncurkan we responded to the needs of these customers by
sejumlah inovasi digital, di antaranya fitur Personal launching some digital innovations, including the
Intelligent Sales and Service Assistant (Prissa) melalui Personal Intelligent Sales and Service Assistant
media digital Chat Platform WhatsApp for Business. (Prissa) feature through the WhatsApp for Business
Prissa adalah media digital resmi Bank Sinarmas chat platform. Prissa is Bank Sinarmas’ official digital
yang berfungsi sebagai virtual assistant, yang siap medium that functions as a virtual assistant, ready to
melayani seluruh nasabah Bank Sinarmas. serve all of Bank Sinarmas’ customers.
Kami juga menghadirkan kemudahan pembukaan We also provide the convenience of opening a
rekening, baik giro maupun deposito 100% online checking and deposit account 100% online through
melalui aplikasi SimobiPlus. Kami menjangkau the SimobiPlus application. Furthermore, we have
nasabah kartu kredit dengan meluncurkan kartu reached out to credit card customers by launching
kredit virtual visa, yang dalam proses pengajuannya virtual visa credit cards, for which the customers can
cukup menggunakan aplikasi SimobiPlus. Melalui apply using the SimobiPlus application. Using their
gadget yang dimiliki, masyarakat dapat melakukan gadgets, people can invest in mutual funds quickly
investasi reksadana dengan cepat dan mudah. and easily. We continue to add more features to and
Kami terus melakukan penambahan fitur dan further develop the SimobiPlus application.
pengembangan lebih lanjut pada aplikasi SimobiPlus.
Kami juga menjalin kemitraan dengan sejumlah We have also established partnerships with several
e-commerce maupun merchant-merchant dalam e-commerce and merchants to respond to changes
menyikapi perubahan pola konsumsi masyarakat. in people’s consumption patterns. We provide special
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2021 BANK
Kami memberikan special privilege kepada nasabah privileges to our customers by offering discounts
Bank Sinarmas berupa diskon dan cash back saat and cashback when shopping using the SimobiPlus
berbelanja menggunakan aplikasi SimobiPlus, application and Bank Sinarmas debit and credit cards.
maupun kartu debit dan kredit Bank Sinarmas. Kami In addition, we collaborated with SUNterra, one of the
juga menggandeng SUNterra, salah satu pelopor pioneers in developing renewable energy, particularly
pengembangan energi terbarukan berupa panel solar panels, to launch the “Green Saving” program as
surya, untuk peluncuran program “green saving” the Bank’s support for the Sustainable Development
sebagai salah satu bentuk dukungan Bank pada Goals.
Tujuan Pembangunan Berkelanjutan.
Strategi usaha lainnya adalah penataan ulang Another business strategy is the restructuring of the
portofolio aset produktif. Sejalan dengan kebijakan productive asset portfolio. In line with the Financial
Otoritas Jasa Keuangan (OJK), Bank melanjutkan Services Authority (OJK) policy, the Bank continues
restrukturisasi kredit bagi debitur yang usahanya credit restructuring for debtors whose businesses
terdampak COVID-19. Bersamaan dengan itu, have been affected by COVID-19. At the same time,
pengawasan atas kredit-kredit yang sudah disalurkan it has improved its supervision of disbursed loans to
juga ditingkatkan untuk menjaga kualitas aset. Bank maintain asset quality. Further, the Bank continues
senantiasa melakukan diversifikasi penempatan to diversify fund placements to keep the net interest
dana dalam upaya mempertahankan net interest margin and maintain the cost of funds to sustain
margin, serta menjaga tingkat cost of fund untuk business performance.
mempertahankan kinerja usaha.
Bank menerapkan kebijakan strategi yang sama The Bank applies the same strategic policy to its
pada unit usaha syariah (UUS), dengan tetap Sharia Business Unit (SBU) while still paying attention
memperhatikan prinsip-prinsip syariah. UUS to sharia principles. The SBU disburses financing more
menyalurkan pembiayaan secara lebih selektif, selectively, prioritizing low-risk financing (low NPF) to
mengutamakan pembiayaan berisiko rendah (NPF maintain its performance. The SBU carries out strict
rendah) untuk mempertahankan kinerjanya. UUS supervision of existing debtors and loan restructuring
melakukan pengawasan ketat terhadap debitur according to the prevailing regulations.
existing dan melakukan restrukturisasi sesuai dengan
ketentuan yang berlaku.
Di sisi lain, UUS berkolaborasi dengan platform On the other hand, the SBU collaborates with online-
digital online-to-offline (O2O), khususnya dalam hal to-offline (O2O) digital platforms, particularly in
pengelolaan keuangan start-up yang mengusung financial management for start-ups that have the
konsep smart lending platform dan fokus pada concept of smart lending and focus on Hajj solution
layanan solusi haji, baik dari sisi pendanaan maupun services, both in terms of funding and financing. The
pembiayaan. UUS juga secara aktif mendukung inklusi SBU also actively supports sharia financial inclusion
keuangan syariah melalui digitalisasi, antara lain through digitalization, among others, by using the
dengan menggunakan teknologi QR Code Indonesia QR Code Indonesia Standard (QRIS) technology
Standard (QRIS) untuk penyaluran infaq. Dengan for infaq distribution. With the implementation of
penerapan strategi-strategi tersebut, UUS berhasil these strategies, the SBU managed to maintain its
menjaga kinerjanya dengan baik pada periode 2021. performance well in 2021.
Ke depan, Bank akan tetap menerapkan strategi As we advance, we will continue to implement a
untuk lebih selektif dalam menyalurkan pembiayaan, strategy to be more selective in disbursing financing
serta memperhatikan risiko lingkungan, sosial, dan and pay attention to environmental, social, and
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BANK 2021
tata kelola (LST), di samping risiko ekonomi. Pada governance (ESG) and economic risks. In the corporate
segmen pembiayaan korporasi, Bank akan lebih fokus financing segment, the Bank will focus more on the
pada sektor-sektor kebutuhan pokok dan kesehatan, basic necessity and health sectors, while the Bank’s
sedangkan pada segmen ritel, target pasar Bank tidak target market in the retail segment will not change,
mengalami perubahan, yaitu mendukung UMKM. which is to support MSMEs.
Pencapaian Kinerja Achievements

Dalam hal pencapaian kinerja usaha, Bank telah In terms of business achievements, the Bank made
melakukan upaya untuk menangani kredit efforts to handle non-performing loans. The gross and
bermasalah. Rasio NPL bruto maupun NPL neto net NPL ratios continued to improve compared to the
terus membaik jika dibandingkan dengan tahun previous year. As a result, at the end of 2021, the Bank
sebelumnya. Pada akhir tahun buku 2021, rasio NPL recorded gross and net NPL ratios of 4.64% and 1.18%,
bruto Bank tercatat sebesar 4,64% dan NPL neto 1,18%. respectively.
Bank juga menambah pembentukan Cadangan The Bank also added to the formation of Allowance
Kerugian Penurunan Nilai (CKPN) untuk for Impairment Losses (CKPN) to minimize credit
meminimalkan risiko kredit dalam mengantisipasi risk in anticipating potential non-performing loans,
potensi kredit bermasalah, walaupun kebijakan although the banking credit relaxation policy was
relaksasi kredit perbankan diperpanjang dari 31 Maret extended from March 31, 2022 to March 31, 2023. In
2022 menjadi 31 Maret 2023. Pada Desember 2021, December 2021, the amount of CKPN formed for all
nilai CKPN yang dibentuk terhadap seluruh total total loans was 9 0.02%.
kredit sebesar 9,02%.
Bank juga secara berkala melakukan stress testing The Bank also periodically conducted credit stress
kredit guna mengetahui potensi penurunan kualitas testing to determine the potential decline in the
kredit yang direstrukturisasi dan pengaruhnya quality of restructured loans and the impact on the
kepada kinerja keuangan Bank. Sepanjang tahun Bank’s financial performance. During 2021, the Bank
2021, permodalan Bank semakin diperkuat yang further strengthened its capital, as reflected in its
tercermin dari jumlah ekuitas sebesar Rp7.359 miliar total equity and CAR of Rp7,359 billion and 29.12%,
dan CAR sebesar 29,12% pada tanggal 31 Desember respectively, as of December 31, 2021.
2021.
Dalam situasi yang penuh dengan dinamika ini, In a situation full of dynamics, the Bank posted a profit
Bank membukukan laba sebelum pajak sebesar before tax of Rp160 billion, increasing by 36.81% from
Rp160 miliar, tumbuh 36,81% dari tahun 2020 yang Rp117 billion in 2020. The increase in net profit before
sebesar Rp117 miliar. Peningkatan laba sebelum pajak tax was due to lower interest expense and lower losses
tersebut disebabkan oleh turunnya beban bunga dan on impairment of financial assets, in line with the
turunnya kerugian penurunan nilai aset keuangan, improving NPL ratio.
seiring dengan membaiknya rasio NPL.
Di sisi lain, Bank membukukan kerugian komprehensif On the other hand, Bank Sinarmas experienced an
yang belum direalisasikan terhadap portofolio surat unrealized comprehensive loss to the AFS marketable
berharga AFS sebesar Rp106,40 miliar, menurun securities portfolio of Rp106.40 billion, a decrease
jika dibandingkan pendapatan komprehensif pada when compared to comprehensive income in the
tahun sebelumnya sebesar Rp263,87 miliar dan posisi previous year of Rp263.87 billion. This loss position did
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2021 BANK
kerugian ini tidak berpengaruh terhadap kinerja Bank. not affect the Bank’s performance. Meanwhile, net
Sementara laba bersih per saham dasar mengalami income per share decreased slightly, from Rp6.80 per
penurunan tipis, yaitu dari Rp6,80 per lembar saham share to Rp6.75.
menjadi Rp6,75.
Secara umum kinerja Unit Usaha Syariah (UUS) The Sharia Business Unit (SBU) generally showed
menunjukkan pertumbuhan yang sangat baik. Pada outstanding growth. In 2021, the SBU recorded assets
tahun buku 2021, UUS membukukan aset Rp7,4 of Rp7.4 trillion, an increase of 6.95% from Rp6.9
triliun, meningkat sebesar 6,95% dibandingkan tahun trillion in 2020. Meanwhile, net profit increased to
2020 yang sebesar Rp6,9 triliun. Adapun laba bersih Rp111.46 billion, increasing by 78.20% from Rp62.55
meningkat hingga mencapai Rp111,46 miliar, tumbuh billion in the previous year. This increase was due to
78,20% dibandingkan tahun sebelumnya yang an increase in porfit-sharing with the disbursement
sebesar Rp62,55 miliar. Peningkatan ini disebabkan of new financing throughout 2021. The Bank received
adanya kenaikan pendapatan bagi hasil sehubungan income as mudharib in mudharabah muqayyadah
dengan pencairan pembiayaan-pembiayaan increased by Rp20.03 billion, where the Bank acted
baru di sepanjang tahun 2021. Pendapatan yang as an intermediary or liaison in the channeling agent
diterima Bank selaku mudharib dalam mudharabah system between shahibul Maal (fund owner) and
muqayyadah meningkat sebesar Rp20,03 miliar, mudharib (fund manager) and do not bear any risks
dimana Bank bertindak sebagai perantara atau for these fund distributions. As of December 31, 2021,
penghubung dalam system channelling agent the relevant funds managed by the Bank reached to
antara shahibul Maal (pemilik dana) dan mudharib Rp2.68 trillion.
(pengelola dana) serta tidak menanggung risiko
apapun atas penyaluran dana tersebut. Pada tanggal
31 Desember 2021 jumlah dana terkait yang dikelola
Bank adalah sebesar Rp2,68 triliun.
Perbandingan Target dan Realisasi Comparison Between Targets and

Their Realization
Apabila dibandingkan dengan target tahun 2021, When compared to the 2021 target, the Bank’s
Performa Bank dinilai baik. Pos-pos utama pada performance is considered good. The main account in
laporan neraca dan laba rugi telah mencapai target the balance sheet and profit and loss statements have
yang ditetapkan dalam Rencana Bisnis Bank. Rasio achieved the targets set in the Bank’s Business Plan.
ROE dan ROA terealiasi sebesar 2,02% dan 0,34% The realized ROE and ROA ratios of 2.02% and 0.34%
telah melampaui target yang ditetapkan yaitu 1,45% have exceeded the set targets of 1.45% and 0.23%,
dan 0,23%, didukung oleh realisasi laba yang lebih supported by higher, than target profit realizations.
tinggi dari target. Sementara rasio NIM sebesar Meanwhile, the NIM ratio of 5.79% has not reached
5,79% belum mencapai target, sejalan dengan the target, in line with the realized credit which was
kredit yang terealisasi lebih rendah dari target. Rasio lower than the target. The Bank’s capital adequacy
kecukupan modal Bank (capital adequacy ratio/CAR) ratio (CAR) of 29.12% was above the target with an
sebesar 29,12% berada di atas target dengan tingkat achievement rate of 126.37%. The realized CAR was
pencapaian sebesar 126,37%. Angka CAR terealisasi far above the target because the total risk-weighted
jauh di atas target karena total aktiva tertimbang assets (RWA) was lower than the target.
menurut risiko (ATMR) lebih rendah dari target.
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BANK 2021
Penerapan Tata Kelola Perusahaan Corporate Governance

Implementation
Sepanjang tahun 2021 komposisi Direksi tidak The composition of the Board of Directors in 2021 did
mengalami perubahan. Di sisi lain, jajaran Manajemen not change. On the other hand, the Management
terus melakukan penyesuaian strategi, sejalan dengan continued to make strategic adjustments in line
perkembangan faktor eksternal dan kebutuhan with external developments and internal needs. We
internal. Kami melakukan refocusing segmentasi refocused our business segmentation, particularly for
bisnis, terutama untuk segmen kelompok usaha the medium and corporate business segment. Focus
menengah dan korporasi. Dengan penyesuaian adjustment would result in optimization of strategies,
fokus ini, maka akan dihasilkan optimalisasi, baik business processes, product development, risk
strategi, proses bisnis, pengembangan produk, management, and governance, which in turn would
manajemen risiko, dan tata kelola, yang nantinya increase the Bank’s productivity.
akan meningkatkan produktivitas Bank.
Sebagai bagian dari konglomerasi keuangan Sinar As part of the Sinar Mas financial conglomeration, the
Mas, Bank juga telah memiliki Piagam Korporasi Bank also has a Financial Conglomerate Corporation
Konglomerasi Keuangan. Hal ini ditujukan sebagai Charter. The charter serves as a regulatory measure
langkah pengaturan dalam menata Lembaga Jasa in managing financial service institutions with
Keuangan yang memiliki hubungan kepemilikan dan/ ownership and control relationships in various
atau pengendalian di berbagai sektor jasa keuangan financial service sectors expected to maintain
yang diharapkan dapat menjaga stabilitas sistem financial system stability.
keuangan.
Tahun 2021, Bank melakukan penilaian secara In 2021, the Bank conducted a self-assessment as
mandiri (self-assessment) atas penerapan GCG, baik a bank on its GCG implementation and as part of
untuk Bank, maupun dalam konteks konglomerasi the financial conglomeration on integrated GCG
keuangan berkenaan dengan pelaksanaan Tata Kelola implementation. The results show that the Bank is in
Terintegrasi. Hasil penilaian berada dalam kategori the category of ‘Health’. We will continue to improve
‘Sehat’. Kami akan terus meningkatkan kinerja tata this governance performance.
kelola ini.
Pelaksanaan Tanggung Jawab Sosial Corporate Social Responsibility

Perusahaan Implementation
Direksi memandang pelaksanaan tanggung The Board of Directors views corporate social
jawab sosial perusahaan (CSR) merupakan suatu responsibility (CSR) implementation as an opportunity
kesempatan untuk membangun masyarakat. Bank to build the community. Bank Sinarmas exists as part
Sinarmas merupakan bagian dari masyarakat, of the community and wishes to achieve mutual
dan ingin meraih keberhasilan bersama, dengan success by improving the welfare of the Indonesian
peningkatan kesejahteraan masyarakat Indonesia. people.
Bank melakukan berbagai kegiatan program The Bank carried out various CSR programs and
CSR, di antaranya berupa pengolahan limbah activities, including processing household, plantation,
rumah tangga/perkebunan/pertanian/peternakan agricultural, and livestock waste into bio-compost,
dengan biokompos, pemberdayaan UMKM, serta empowering MSMEs, and developing Bank Sinarmas
pengembangan Sekolah Binaan dan Taman Baca supported schools and community reading centers.
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2021 BANK
Bank Sinarmas. Bank juga bekerja sama dengan The Bank also collaborated with the Coordinating
Kementerian Koordinator Bidang Perekonomian Ministry for Economic Affairs in distributing wastafel
dalam menyalurkan wastafel hands free pada hands-free sinks in several markets in Bali, one of the
beberapa pasar di wilayah Bali, sebagai salah satu areas most affected by the COVID-19 pandemic.
daerah yang sangat terdampak pandemi COVID-19.
Prospek Usaha Business Prospects

Bank Indonesia memprediksi pertumbuhan Bank Indonesia has predicted that Indonesia’s
perekonomian Indonesia dapat mencapai 4,7%- economic growth will reach between 4.7% and 5.5%
5,5%, pascapandemi COVID-19. Hal ini didorong after the COVID-19 pandemic. This growth will be
oleh pemulihan ekonomi nasional, peningkatan driven by the national economic recovery, increased
permintaan domestik, baik dari sisi komsumsi domestic demand for consumption and investments,
maupun investasi, serta peningkatan kinerja ekspor and improved export performance as the global
yang sejalan dengan perbaikan ekonomi global. economy improves.
Adapun sektor perbankan diperkirakan akan meraih The banking sector is expected to achieve promising
kinerja yang menjanjikan pada tahun 2022. OJK performance in 2022. The Financial Services Authority
memproyeksikan pertumbuhan kredit sekitar 7,5% projects credit growth of around 7.5% and third-party
dan dana pihak ketiga di rentang 10%. Namun funds in the range of 10%. However, while business
demikian, walaupun prospek usaha sudah mulai prospects have begun to improve, Bank Sinarmas
membaik, Bank Sinarmas tetap harus menerapkan still has to apply the principle of prudence and risk
prinsip kehati-hatian dan manajemen risiko dalam management in every loan disbursement process.
setiap proses penyaluran kredit. Tingkat NPL yang The non-performing loans level, which has managed
selama ini berhasil turun selama masa pandemi to drop during the pandemic, will become a priority
menjadi prioritas Bank. for the Bank.
Di sisi lain, ancaman perubahan iklim dan isu On the other hand, climate change and sustainability
keberlanjutan menjadi tantangan dan juga issues are challenges and opportunities for the Bank
kesempatan bagi Bank untuk mulai menyesuaikan to start adjusting its financing patterns. The energy
pola pembiayaannya. Transisi energi dari energi transition from coal-based to eco-friendly energy is
berbahan baku batu bara menjadi energi ramah one of the promising business prospects. As a country
lingkungan, menjadi salah satu prospek usaha yang with abundant natural resources, particularly eco-
menjanjikan. Sebagai negara dengan kekayaan friendly energy sources, Indonesia has a policy of
alam melimpah, terutama bahan baku energi phasing out raw mining material exportation. It is
ramah lingkungan, Indonesia memiliki kebijakan expected to encourage investments through funding
untuk secara bertahap tidak mengekspor bahan and technology, contributing greatly to Indonesia’s
mentah pertambangan. Situasi ini diharapkan akan economic growth.
mendorong masuknya investasi, baik pendanaan
maupun teknologi, yang akan berkontribusi besar
terhadap pertumbuhan ekonomi Indonesia.
Bank Sinarmas telah merumuskan target, proyeksi Bank Sinarmas has formulated targets, projections,
dan strategi dalam menghadapi tahun 2022 dalam and strategies to face 2022 in its business plan. As
Rencana Bisnis Bank. Sebagai komitmen penerapan a commitment to sustainable finance, in 2020, the
keuangan berkelanjutan, sejak tahun 2020 Bank telah Bank prepared a sustainable finance action plan
menyusun rencana aksi keuangan berkelanjutan (SFAP) for 2021 – 2025. In this financial year, the Bank
(RAKB) untuk tahun 2021-2025. Pada tahun buku ini drafted the 2022 SFAP as a guideline for sustainability
53
BANK 2021
Bank telah menyusun menyusun RAKB 2022 sebagai performance and to support the Sustainable
pedoman pelaksanaan kinerja keberlanjutan dan Development Goals.
mendukung Tujuan Pembangunan Berkelanjutan.
Strategi Keberlanjutan Sustainability Strategy

Bank Sinarmas telah menetapkan strategi Bank Sinarmas has established a sustainability
keberlanjutan untuk menjaga keselarasan kinerja strategy to maintain the alignment of the three
tiga pilar keberlanjutan, melalui transformasi digital pillars of sustainability performance through
dan penggunaan teknologi informasi. Strategi digital transformation and information technology.
tersebut ditetapkan dengan berdasarkan pada visi, We designed the strategy based on the Bank’s
misi, dan nilai keberlanjutan. Bank memiliki nilai-nilai sustainability vision, missions, and values. The Bank
luhur yang telah dijalankan sebagai pedoman dalam has noble values that serve as guidelines for its
menjalankan bisnis. Seluruh Insan Bank Sinarmas business operations. All Bank Sinarmas personnel
harus memiliki integritas, perilaku positif, komitmen, must have integrity, positive behavior, commitment,
semangat terus meningkatkan kemampuan, inovatif, enthusiasm to continuously improve their abilities,
serta loyalitas sebagai keluarga besar Sinar Mas. innovation, and loyalty as extended Sinar Mas family
members.
Bank Sinarmas telah memiliki persyaratan Bank Sinarmas already has requirements for
pembiayaan keuangan berkelanjutan. Dalam sustainable financing. For example, to apply for
pengajuan pinjaman, debitur perlu mengikuti proses a loan, a debtor needs to follow the process of
identifikasi aspek lingkungan, sosial, dan tata kelola identifying environmental, social, and governance
(LST) untuk memetakan risiko. Di sisi lain, Bank terus (ESG) aspects to map the risks. On the other hand,
memperkuat dukungan pada rencana strategis the Banks continues to strengthen its support
pemerintah dengan menyediakan kredit usaha for the government’s strategic plan by providing
rakyat (KUR) dan pinjaman bagi usaha mikro, kecil, people’s business credit and loans for micro, small,
dan menengah (UMKM), serta melakukan program and medium enterprises (MSMEs) and conducting
inklusi keuangan (laku pandai). financial inclusion (laku pandai) programs.
Secara bertahap, Bank Sinarmas melakukan Bank Sinarmas adjusts its organizational governance
penyesuaian tata kelola organisasi dan lingkungan and working conditions in stages, according to
kerja sesuai prinsip keuangan berkelanjutan. Bank sustainable finance principles. It regularly raises
Sinarmas meningkatkan kesadaran pentingnya the awareness of its employees, relevant business
keseimbangan aspek lingkungan dan sosial secara units, and prospective debtors of the importance of
berkala kepada semua karyawan, unit-unit bisnis balancing environmental and social aspects. It has
terkait, dan calon-calon debitur. Bank juga telah also established a Sustainable Finance Task Force
membentuk Tim Task Force Keuangan Berkelanjutan responsible for SFAP implementation.
sebagai fungsi yang bertanggung jawab atas
pelaksanaan RAKB.
Dalam mendukung kinerja sosial, Bank terus To support its social performance, the Bank continues
meningkatkan pemahaman atas pentingnya to improve its stakeholders’ understanding of the
membentuk budaya keberlanjutan melalui berbagai importance of embedding the culture of sustainability
pelatihan. Bank juga menerapkan kesetaraan dan through numerous training courses. The Bank also
keberagaman dalam suasana kerja yang aman, sehat, applies equality and diversity in a safe, healthy, and
dan profesional. professional work environment.
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2021 BANK
Pada aspek lingkungan, Bank berupaya menerapkan The Bank seeks to implement efficiencies for the
efisiensi, seperti penghematan listrik dan kertas. environment through electricity and paper savings.
Bank juga melanjutkan proyek rintisan dalam rangka The Bank also continues the pilot energy-saving
penghematan energi dan penggunaan energi ramah and eco-friendly energy use projects by installing
lingkungan dengan pemasangan panel surya di solar panels at the Surabaya branch office and using
Kantor Cabang Surabaya, serta penggunaan tiga thirteen electric motors in several branch offices.
belas motor listrik di beberapa kantor cabang. Bank In addition, the Bank cooperates with one of the
menjalin kerja sama dengan salah satu pengembang developers of solar panel technology to launch green
teknologi panel surya, dengan meluncurkan green savings. Customers who open a savings account with
saving. Penempatan tabungan dengan nominal a specific opening balance will get a free solar panel.
tertentu akan mendapatkan panel surya secara The Bank views that this small contribution, when
cuma-cuma. Bank memandang kontribusi yang kecil done collectively, will bring about significant changes,
ini apabila dilakukan bersama-sama dapat membawa particularly in preserving the environment.
perubahan besar, khususnya dalam menjaga
kelestarian lingkungan.
Apresiasi Bagi Pemangku Appreciation for Stakeholders

Kepentingan
Direksi berterima kasih kepada Dewan Komisaris The Board of Directors wishes to express profound
dan seluruh pemangku kepentingan atas kerja sama gratitude to the Board of Commissioners and all
dalam meningkatkan kinerja Bank, sejalan dengan stakeholders for their cooperation in improving the
terciptanya usaha yang berkelanjutan. Kita mampu Bank’s performance to create a sustainable business.
melewati dua tahun masa pandemi yang penuh We were able to get through two challenging years
tantangan berkat kerja keras, kerja cerdas, dedikasi, of the pandemic thanks to the hard and smart work,
dan semangat melayani dari seluruh keluarga Bank dedication, and passion of the entire Bank Sinarmas
Sinarmas. family.
Bank akan terus memberikan yang terbaik kepada The Bank will continue to provide the best to its
para pemangku kepentingan lainnya, terutama stakeholders, especially in serving our customers.
dalam melayani para nasabah. Ke depan, perjalanan There is still a long way to go ahead of us, hurdled
masih panjang dengan berbagai tantangan. Namun with various challenges. However, we believe that
kita yakin bahwa dengan adaptasi yang tinggi, high adaptability, increased innovation in the midst
peningkatan inovasi di tengah kemajuan digitalisasi, of digitalization, and a commitment to serving our
serta komitmen untuk melayani, akan terus menjadi customers will remain the bases for sustainable
dasar bagi pertumbuhan yang berkelanjutan, untuk growth now and in the future.
saat ini dan masa depan.

Atas nama Direksi
On behalf of the Board of Directors
Frenky Tirtowijoyo
Direktur Utama
President Director
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BANK 2021
SURAT PERNYATAAN DEWAN KOMISARIS TENTANG TANGGUNG JAWAB

ATAS LAPORAN GABUNGAN 2021 PT. BANK SINARMAS TBK.
BOARD OF COMMISSIONERS’ STATEMENT OF RESPONSIBILITY FOR THE
2021 COMBINED REPORT OF PT. BANK SINARMAS TBK.
Kami yang bertanda tangan di bawah ini, selaku Dewan Komisaris Perusahaan, menyatakan bahwa semua
informasi dalam Laporan Gabungan PT. Bank Sinarmas Tbk. tahun 2021 telah dimuat secara lengkap dan kami
bertanggung jawab penuh atas kebenaran isi Laporan Tahunan, Laporan Keberlanjutan, dan Laporan Keuangan
Perusahaan.
We, the undersigned, as the Board of Commissioners of the Company, declare that all information in the 2021
Combined Report of PT. Bank Sinarmas Tbk. has been presented in its entirety and we are fully responsible for the
correctness of the contents of the Annual and Sustainability Reports, and the Financial Statements.
Demikian pernyataan ini dibuat dengan sebenar-benarnya.
The above statement is made truthfully.

Dewan Komisaris | Board of Commissioners
Tjendrawati Widjaja
Komisaris Utama
Sammy Kristamuljana Rusmin

Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
56
2021 BANK
SURAT PERNYATAAN DIREKSI TENTANG TANGGUNG JAWAB ATAS LAPORAN

GABUNGAN 2021 PT. BANK SINARMAS TBK.
BOARD OF DIRECTORS’ STATEMENT OF RESPONSIBILITY FOR THE 2021
COMBINED REPORT OF PT. BANK SINARMAS TBK.
Kami yang bertanda tangan di bawah ini, selaku Direksi Perusahaan, menyatakan bahwa semua informasi dalam
Laporan Gabungan PT. Bank Sinarmas Tbk. tahun 2021 telah dimuat secara lengkap dan kami bertanggung jawab
penuh atas kebenaran isi Laporan Tahunan, Laporan Keberlanjutan, dan Laporan Keuangan Perusahaan.
We, the undersigned, as the Board of Directors of the Company, declare that all information in the 2021 Combined
Report of PT. Bank Sinarmas Tbk.has been presented in its entirety and we are fully responsible for the correctness
of the contents of the Annual and Sustainability Reports, and the Financial Statements.
Demikian pernyataan ini dibuat dengan sebenar-benarnya.
The above statement is made truthfully.

Direksi | Board of Directors
Frenky Tirtowijoyo
Direktur Utama
President Director
Loa Johnny Mailoa Halim

Direktur Direktur
Director Director
Hanafi Himawan Soejanto Soetjijo Miko Andidjaja

Direktur Direktur Direktur
Director Director Director
57
PROFIL PERUSAHAAN
Company Profile
Inisiatif Bank Sinarmas dalam beradaptasi dilakukan dengan
akselerasi digital melalui peluncuran Personal Intellegent Sales
and Service Assistant (Prissa) dan layanan pembukaan rekening
digital Simas Digi.
In adapting the situation, Bank Sinarmas’ initiative is carried out
by developing digital acceleration through the Personal Intelligent
Sales and Service Assistant (Prissa) launching and the Simas Digi
digital account opening service.
2021 BANK
JEJAK LANGKAH
MILESTONES
Tahun Uraian
Year Description
Pertama kali berdiri dengan nama Bank Shinta Indonesia.

1989
The Bank was established under the name Bank Shinta Indonesia.
Pendirian kantor cabang di Bandung.

1993
A branch office was opened in Bandung.
Perolehan status sebagai Bank Persepsi (bank pembayaran pajak) dari Menteri Keuangan.
1994
The Bank was appointed as a Tax Collection Bank by the Minister of Finance.
Menjadi Bank Umum Devisa.

1995
It became a Foreign Exchange Bank.
Pendirian kantor cabang di Surabaya.

1996
A branch office was opened in Surabaya.
Peningkatan Modal Disetor menjadi Rp50 miliar.

1998
The paid-up capital was increased to Rp50 billion.
• Dalam rangka membawa Perseroan menjadi salah satu bank terkemuka dan terpercaya, PT Sinar Mas
Multiartha Tbk dan PT Shinta Utama menjadi pemegang saham mayoritas.
PT Sinar Mas Multiartha Tbk and PT Shinta Utama became the majority shareholders of the Company,
2005
enabling the Company to be one of the leading and most trusted banks.
• Perubahan logo Bank Sinarmas.
The logo of Bank Sinarmas changed.
• PT Bank Shinta Indonesia berubah nama menjadi PT Bank Sinarmas.

PT Bank Shinta Indonesia changed its name to PT Bank Sinarmas.
• Pendirian 10 kantor baru di Bumi Serpong Damai Jakarta, Medan, Jambi, Pekanbaru, Yogyakarta,
2006
Semarang, Cirebon, Makassar, Manado, dan Denpasar.
Ten new offices were opened in Bumi Serpong Damai, Jakarta; Medan; Jambi; Pekanbaru; Yogyakarta;
Semarang; Cirebon; Makassar; Manado; and Denpasar.
• Pembukaan 40 kantor baru.

Forty new offices were launched.
• Memperoleh penghargaan dari majalah Info Bank dengan predikat “SANGAT BAGUS” atas kinerja
2007
keuangan 2006.
The Bank was awarded a “VERY GOOD” predicate for financial performance by Info Bank magazine in
2006.
Pembukaan 22 kantor baru.

2008
Twenty-two new offices were launched.
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BANK 2021

Eighteen new offices were launched.
• Perseroan memperoleh izin untuk mendirikan Unit Usaha Syariah (UUS) berdasarkan Keputusan Deputi
Gubernur Bank Indonesia No. 11/13/KEP.DpG/2009 tentang Pemberian Izin Usaha Unit Usaha Syariah
(UUS).
The Company obtained a permit to establish a Sharia Business Unit (SBU) based on the Decree of Bank
Indonesia Deputy Governor No. 11/13/KEP.DpG/2009 on the Sharia Business Unit (SBU) Business License.
2009
• Pengesahan Perseroan sebagai Bank Penyimpan Margin Dana Kompensasi dan Dana Jaminan oleh
Bappebti.
The Company was legalized as a margin depositing bank for compensation and guarantee funds by the
Commodity Futures Trading Regulatory Agency.
• Perseroan memperoleh pengesahan dari Bapepam untuk melakukan kegiatan usaha Wali Amanat.
The Company obtained approval from the Capital Market Supervisory Agency to carry out business
activities as a Trustee.
• Perseroan melakukan Penawaran Umum Perdana (Initial Public Offering/IPO).

The Company conducted an Initial Public Offering (IPO).
2010
Fourteen new offices were launched.
• Perseroan melaksanakan exercise Waran Seri I sehingga kepemilikan saham Perseroan oleh publik
meningkat menjadi 40%.
The Company executed the Series I Warrant exercise, allowing the public’s ownership of the Company’s
shares to increase to 40%.
2011
• Jumlah kantor Perseroan berkembang menjadi 220 kantor yang tersebar di 107 kota di Indonesia.
The number of offices grew to 220 offices spread across 107 cities in Indonesia.
• Peluncuran tagline “We Always Care”.
The “We Always Care” tagline was launched.
• Aksi korporasi Penawaran Umum Terbatas I (PUT I) sehingga meningkatkan Modal Disetor menjadi
Rp1,028 triliun.
The Company arranged the Limited Public Offering I, the corporate action of which increased the paid-
2012
up capital to Rp 1.028 trillion.
• Jumlah kantor bertambah menjadi 265 yang tersebar di 120 kota di Indonesia.
The number of offices increased to 265 offices, spread across 120 cities in Indonesia.
Jumlah jaringan kantor bertambah menjadi 380 yang tersebar di seluruh Indonesia.
2013
The number of office networks increased to 380 offices spread throughout Indonesia.
Menerbitkan Saham Baru Tanpa Hak Memesan Efek Terlebih Dahulu (Non-HMETD) sebanyak 896.535.414
saham dengan harga Rp270 per saham dan mencapai Rp242 miliar.
2014
The Company arranged a rights issue without preemptive rights for 896,535,414 shares valued at Rp 270
per share, totaling Rp 242 billion.
• Penandatanganan perjanjian kerja sama Bank Administrator Rekening Dana Nasabah dan Bank
Pembayaran Periode 2015-2019.
A cooperation agreement on a bank that administers the customers’ accounts and a payment bank for
2015
the period from 2015 to 2019 was signed.
• Pelaksanaan Program Jangkau, Sinergi, dan Guideline atau Jaring 2015.
The outreach, synergy, and guideline or net programs were rolled out.
• Aksi korporasi Penawaran Umum Terbatas II (PUT II) sehingga meningkatkan Modal Disetor menjadi
Rp1,524 triliun.
The Company arranged the Limited Public Offering II, the corporate action of which increased the paid-
2016 up capital to Rp 1.524 trillion.
• Menduduki peringkat ke-3 untuk kategori Private Financial Listed dalam ajang Annual Report Award
2016.
The Company was ranked third in the Private Financial Listed category in the 2016 Annual Report Award.
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2021 BANK
• Peluncuran situs web Perseroan dengan tampilan baru.

The new look of the Company’s website was launched.
• Peluncuran mobile banking Bank Sinarmas (Simobi) dengan tampilan baru.
The new look of the mobile banking (Simobi) feature was launched.
2017
• Perubahan komposisi Pengurus Perseroan.
The composition of the Company’s Management was changed.
• Migrasi Kartu ATM/Debit berbasis teknologi chip.
The Bank’s debit cards were replaced with chip debit cards.
• Peluncuran kartu debit yang dilengkapi logo Gerbang Pembayaran Nasional (GPN) dan teknologi chip.
The Bank’s chip debit cards with the National Payment Gateway (GPN) logo were issued.
• Menjadi Bank Penerima Setoran Biaya Penyelenggara Ibadah Haji (BPS-BPIH).
The Company became the Hajj pilgrimage deposit recipient bank.
2018
• Meraih penghargaan Trailblazer Award 2018 untuk kategori Mobile banking.
The Company received the 2018 Trailblazer Award in the category of mobile banking.
• Perubahan komposisi pengurus Perseroan.
The composition of the Company’s management was changed.
Pelaksanaan exercise waran seri 3 Bank Sinarmas oleh PT Sinar Mas Multiartha Tbk senilai Rp1 triliun.
2019
PT Sinar Mas Multiartha Tbk executed Bank Sinarmas series 3 warrant worth Rp1 trillion.
Pengangkatan kembali seluruh anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah.
2020 The members of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board were re-
appointed.
• Peluncuran fitur baru Personal Intelligent Sales and Service Assistant (Prissa).
The new Personal Intelligent Sales and Service Assistant (Prissa) feature was launched.
• Peluncuran layanan pembukaan rekening digital Simas Digi.
2021
The Simas Digi digital account opening service was launched.
• Peluncuran Kartu Kredit Virtual Visa.
The Bank’s virtual visa credit cards were rolled out.
61
BANK 2021
SEKILAS BANK SINARMAS BANK SINARMAS IN BRIEF
PT. Bank Sinarmas Tbk. berdiri pada tanggal 18 PT. Bank Sinarmas Tbk. was established on August 18,
Agustus 1989 berdasarkan Akta No. 52 Notaris 1989, based on Deed No. 52 of Notary Public Buniarti
Buniarti Tjandra, S.H. di Jakarta dengan nama PT Tjandra, S.H. in Jakarta, under the name PT Bank Shinta
Bank Shinta Indonesia, dan telah diubah dengan Akta Indonesia, which has been amended by Deed No. 91
No. 91 tanggal 15 September 1989 pada notaris yang dated 15 September 1989 by the same notary. The Bank
sama. Bank memperoleh status sebagai Bank Umum obtained the status as a foreign exchange commercial
Devisa yang memberikan pelayanan perbankan bank to provide foreign exchange services in 1995 and
terhadap transaksi valuta asing pada tahun 1995, dan increased its paid-up capital to Rp50 billion in 1998.
meningkatkan modal disetor menjadi Rp50 miliar
pada tahun 1998.
PT Sinarmas Multiartha Tbk, sebuah perusahaan PT Sinarmas Multiartha Tbk, a financial services
financial services yang berada di bawah kelompok company under the Sinarmas business group,
usaha Sinarmas mengambil alih 21% saham PT Bank took over 21% of PT Bank Shinta Indonesia’s shares
Shinta Indonesia pada tahun 2005. Bank mengalami in 2005. The Bank changed its name to PT Bank
pergantian nama menjadi PT Bank Sinarmas Sinarmas in December 2006, which was approved
pada Desember 2006 yang disetujui Rapat Umum by an extraordinary general meeting of shareholders,
Pemegang Saham Luar Biasa, tertuang dalam Akta as stated in Deed No. 1 dated 21 November 2006 by
Notaris Triphosa Lily Ekadewi, S.H. No. 1 tanggal 21 Notary Public Triphosa Lily Ekadewi, S.H. in Jakarta.
November 2006 dari di Jakarta.
PT Bank Sinarmas memperoleh izin pendirian Unit PT Bank Sinarmas obtained a license to establish
Usaha Syariah (UUS) pada tahun 2009, berdasarkan a Sharia Business Unit (SBU) in 2009, based on the
Keputusan Deputi Gubernur Bank Indonesia No. Decree of the Deputy Governor of Bank Indonesia
11/13/KEP.Dpg/2009 tentang Pemberian Izin Usaha No. 11/13/KEP.Dpg/2009 concerning the Granting of
Unit Usaha Syariah (UUS) PT Bank Sinarmas. Pada a Sharia Business Unit (SBU) Business License for PT
tahun yang sama, Bank juga diberikan pengesahan Bank Sinarmas. In the same year, the Bank was also
melakukan kegiatan usaha Wali Amanat oleh approved to conduct business activities as a Trustee
Bapepam (Sekarang OJK). by the Capital Market Supervisory Agency (now the
Financial Services Authority).
PT. Bank Sinarmas Tbk. melaksanakan Penawaran PT. Bank Sinarmas Tbk. made an initial public offering
Saham Umum Perdana (Initial Public Offering/IPO) (IPO) on December 13, 2010. The Bank’s capital
pada tanggal 13 Desember 2010. Struktur permodalan increased from Rp568 billion to Rp728 billion. In 2011,
Bank meningkat dari Rp568 miliar menjadi Rp728 the Bank executed the Series I Warrant Exercise which
miliar. Pada tahun 2011, Bank melakukan Exercise allowed the public ownership of PT. Bank Sinarmas
Waran Seri I sehingga kepemilikan saham publik di Tbk. shares to be 40%.
PT. Bank Sinarmas Tbk. menjadi 40%.
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Aksi korporasi yang dilakukan Bank Sinarmas setelah Corporate actions by Bank Sinarmas after the IPO are
IPO adalah sebagai berikut: as follows:
• Tahun 2012 melaksanakan Penawaran • The Bank made the limited public offering I in
Umum Terbatas I (PUT I), yang membuat 2012, which increased the paid-up capital to
penambahan modal disetor meningkat Rp1,028 billion;
menjadi Rp1.028 miliar; • The Bank arranged a rights issue without
• Tahun 2014 melakukan Penambahan Modal preemptive rights in 2014 by issuing
Tanpa Hak Memesan Efek Terlebih Dahulu 896,535,414 new shares valued at Rp270 per
(PMTHMETD) dengan menerbitkan sebanyak share, bringing the total additions to Rp242
896.535.414 saham baru seharga Rp270 per billion;
saham dan total penambahan mencapai • The Bank made the limited public offering
Rp242 miliar; II in 2016 and issued the Series III Warrant,
• Tahun 2016 melakukan Penawaran Umum increasing the paid-up capital to Rp1,524
Terbatas II dan dengan mengeluarkan Waran billion.
Seri III dengan penambahan modal disetor
menjadi Rp1.524 miliar.
IDENTITAS PERUSAHAAN COMPANY IDENTITY
Nama Perusahaan [102-1]

PT. Bank Sinarmas Tbk.
Company Name
Informasi Perubahan Nama 1989: Didirikan dengan nama PT Bank Shinta Indonesia
Name Change Information 2006: Pergantian nama menjadi PT Bank Sinarmas
1989: It was established under the name PT Bank Shinta Indonesia
2006: The name changed to PT Bank Sinarmas
Tanggal Pendirian 18 Agustus 1989

Date of Establishment August 18, 1989
Bidang Usaha [102-2] Perbankan

Business Field Banking
Status Bank Bank Devisa

Bank Status Foreign Exchange Bank
Dasar Hukum Pendirian [102-5] Berdasarkan Akta No. 52 tanggal 18 Agustus 1989 yang dibuat di hadapan Buniarti
Legal Basis of Establishment Tjandra, S.H., Notaris di Jakarta, yang telah diumumkan dalam Berita Negara Republik
Indonesia tertanggal 21 Oktober 1989 Nomor 1506/1989.
Based on Deed No. 52 dated August 18, 1989 which was made in the presence of Buniarti
Tjandra S.H., a Notary Public in Jakarta, and was announced in State Gazette of the
Republic of Indonesia dated October 21, 1989 Number 1506/1989.
Modal Dasar Rp6.000.000.000.000,00

Authorized Capital
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BANK 2021
Modal Ditempatkan Rp1.971.616.240.300,00

dan Disetor Penuh
Issued Capital and
Paid-Up Capital
Swift Code SBJKIDJA

Telex 67171 SHINPS IA
I-Telex 867171
Komposisi Pemegang PT Sinar Mas Multiartha Tbk. 59,99%

Saham [102-5] PT Shinta Utama 3,10%
Shareholder Public 36,91%
Composition
Tanggal Pencatatan 13 Desember 2010

Saham December 13, 2010
Share Listing Date
Nama Bursa Bursa Efek Indonesia

Name of Stock Indonesia Stock Exchange
Exchange
Kode Saham BSIM

Stock Code
Jumlah Karyawan 6.923

Total Employees
Alamat Kantor Pusat [102-3] Sinar Mas Land Plaza Tower I, Lantai 1 dan 2
Head Office Address Jl. MH. Thamrin Kav. 51, Jakarta 10350
Telp. (+62 21) 3199 0101
Fax. (+62 21) 3199 0401
Jaringan Kantor 68 Kantor Cabang, 191 Kantor Cabang Pembantu, 61 KFO Funding, 10 KFO Lending, 22
Office Network Kantor Fungsional UMK, 31 Kantor Cabang Syariah, 12 Kantor Kas Syariah, 13 Unit Pelayanan
Kas Syariah
68 Branch Offices, 191 Supporting Branch Offices, 61 Funding Operational Functional
Offices, 10 Lending Operational Functional Offices, 22 SME Functional Offices, 31 Sharia
Branch Offices, 12 Sharia Cash Offices, 13 Sharia Cash Service Units
Customer Care 1500153 & (+62 21) 501 88888
Situs Web dan Email www.banksinarmas.com

Website and Email corporate.secretary@banksinarmas.com
care@banksinarmas.com
Media Sosial Facebook : Bank Sinarmas
Social Media Twitter : @BankSinarmas
Instagram : @BankSinarmas
Youtube : BankSinarmas
LinkedIn : BankSinarmas
Whatsapp : 08822-1500-153
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INFORMASI PERUBAHAN NAMA NAME CHANGE
Bank menggunakan nama PT Bank Shinta The Bank used the name PT Bank Shinta Indonesia in
Indonesia sesuai Akta Notaris Buniarti Tjandra, S.H. accordance with the Deed of Notary Public Buniarti
No. 52 tanggal 18 Agustus 1989 yang disahkan oleh Tjandra, S.H. No. 52 dated 18 August 1989 which was
Keputusan Menteri Kehakiman Republik Indonesia ratified by Decree of the Minister of Justice of the
dengan Surat Keputusan No. 02-9142.HT.01.01-TH.89 Republic of Indonesia No. 02-9142.HT.01.01-TH.89
tanggal 27 September 1989. dated 27 September 1989.
Melalui RUPS Luar Biasa pada Desember 2006, para In an extraordinary general meeting of shareholders in
pemegang saham menyetujui pergantian nama dari December 2006, the shareholders agreed to change
PT Bank Shinta Indonesia menjadi PT Bank Sinarmas. the name from PT Bank Shinta Indonesia to PT Bank
Keputusan ini tertuang dalam Akta Notaris Triphosa Sinarmas. This decision is specified in the Deed of
Lily Ekadewi, S.H. No. 1 tanggal 21 November 2006 di Notary Public Triphosa Lily Ekadewi, S.H. No. 1 dated
Jakarta dan disahkan oleh Surat Keputusan Menteri 21 November 2006 in Jakarta and ratified by Decree of
Hukum dan Hak Asasi Manusia No. W7-03960 the Minister of Law and Human Rights No. W7-03960
HT.01.04-TH.2006 tanggal 20 Desember 2006. HT.01.04-TH.2006 dated 20 December 2006.
Perubahan nama dilakukan sebagai tindak lanjut The name was changed as a follow-up to the
akuisisi saham PT Bank Shinta Indonesia oleh acquisition of shares in PT Bank Shinta Indonesia by
PT Sinarmas Multiartha Tbk dan efektif berlaku pada PT Sinarmas Multiartha Tbk, which became effective
tahun buku 2006. in the 2006 fiscal year.
MAKNA LOGO BANK SINARMAS MEANING OF BANK SINARMAS LOGO
Logo Bank Sinarmas adalah hasil pengembangan The Bank Sinarmas logo is the result of the
identitas dari logo Sinar Mas yang menggambarkan development of the Sinar Mas logo which illustrates
kekuatan karakter perusahaan secara utuh dan the strength of the Company’s character clearly and
jelas. Logo Sinar Mas terinspirasi oleh pancaran as a whole. The Sinar Mas logo is inspired by the rays
sinar matahari yang tak pernah berhenti bersinar, of the sun that never stop shining, giving light and life;
memberikan terang dan kehidupan; yang merupakan which is a reflection of the commitment of Sinar Mas
refleksi komitmen usaha yang dijalankan oleh Sinar to the community and its business. The curves in every
Mas, baik untuk masyarakat maupun kelompok corner of the logo depict the Company’s innovative
usahanya. Bentuk logo dengan lengkungan di setiap character, flexible to follow the development of the
sudutnya menggambarkan karakter perusahaan business world.
yang inovatif, memiliki kelenturan dalam mengikuti
perkembangan dunia usaha.
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BANK 2021
Tipografi dalam huruf-huruf yang membangun nama The typography in the letters that make up the name
Bank Sinarmas sengaja dibuat tanpa huruf kapital of Bank Sinarmas is intentionally made without capital
agar berkesan ramah dan tidak kaku; sehingga dapat letters to make it seem friendly and not stiff, and as
merefleksikan karakter perusahaan yang berorientasi such it can reflect the Company’s market- and future-
pada pasar dan melihat peluang ke depan. Kesatuan opportunities-oriented characters. The unity between
antara logo simbol dan huruf di mana nama Sinar the logo, symbol, and letters where the name Sinar
Mas dituliskan dalam satu kesatuan sinarmas Mas is written in one unit projects it as a solid business
memproyeksikan Sinar Mas sebagai kelompok usaha group.
yang solid.
INFORMASI SITUS WEB PERUSAHAAN COMPANY WEBSITE
Bank Sinarmas menerapkan prinsip keterbukaan Bank Sinarmas applies the principle of information
informasi bagi seluruh pemangku kepentingan, disclosure for all stakeholders, in accordance
sesuai dengan Peraturan Otoritas Jasa with Financial Services Authority Regulation
Keuangan No. 8/POJK.04/2015 tentang Situs No. 8/POJK.04/2015 concerning Websites of
Web Emiten atau Perusahaan Publik. Pemangku Issuers or Public Companies. Stakeholders can
kepentingan dapat mengakses informasi access information through the official website
melalui situs web www.banksinarmas.com. of Bank Sinarmas at www.banksinarmas.com.
Informasi
Link
Information
Profil Perusahaan https://www.banksinarmas.com/id/informasiumum/tentangkami/profil-bank-sinarmas

Company Profile
Informasi Umum: Nama, https://www.banksinarmas.com/id/informasiumum/tentangkami/profil-bank-sinarmas

Alamat, Kontak Kantor
Pusat, Perwakilan
General Information:
Name, Address,
Head Office Contact,
Representative
Riwayat Singkat https://www.banksinarmas.com/id/informasiumum/tentangkami/profil-bank-sinarmas

Brief History
Struktur Organisasi https://www.banksinarmas.com/id/informasiumum/tentangkami/struktur-organisasi

Organizational Structure
Struktur Kepemilikan https://www.banksinarmas.com/id/informasiumum/hubunganinvestor/struktur-

Ownership Structure kepemilikan- saham-dan-informasi-saham
Struktur Grup -
Group Structure
Informasi Bagi Investor https://www.banksinarmas.com/id/informasiumum/hubunganinvestor

Information for Investors
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Informasi
Link
Information
Prospektus Penawaran https://www.banksinarmas.com/id/informasiumum/hubunganinvestor/prospektus

Umum
Prospectus of Public
Offering
Laporan Tahunan (5 tahun) https://www.banksinarmas.com/id/informasiumum/hubunganinvestor/laporan-tahunan

Annual Report (5 years)
Kode Etik https://www.banksinarmas.com/id/informasiumum/tatakelola/terkait-etik-pedoman

Code of Ethics
Profil Dewan Komisaris https://www.banksinarmas.com/id/informasiumum/tentangkami/managemen-bank-

Board of Commissioners sinarmas
Profile
Profil Direksi https://www.banksinarmas.com/id/informasiumum/tentangkami/managemen-bank-

Board of Directors Profile sinarmas
Kinerja https://www.banksinarmas.com/id/informasiumum/hubunganinvestor
Performance
Laporan Keuangan Tahunan https://www.banksinarmas.com/id/informasiumum/hubunganinvestor/publikasi-keuangan

Terpisah
Separate Annual Financial
Report
Tata Kelola Perusahaan https://www.banksinarmas.com/id/informasiumum/tatakelola

Corporate Governance
Piagam/Charter Dewan https://www.banksinarmas.com/id/informasiumum/tatakelola/pdf-pedoman-dewan-

Komisaris komisaris
Charter of the Board of
Commissioners
Piagam/Charter Direksi https://www.banksinarmas.com/id/informasiumum/tatakelola/pdf-pedoman-direksi

Charter of the Board of
Directors
Piagam/Charter Komite Audit https://www.banksinarmas.com/id/informasiumum/tatakelola/piagam-komite-audit2

Charter of the Audit
Committee
Piagam/Charter Komite https://www.banksinarmas.com/id/informasiumum/tatakelola/piagam-komite-renumerasi-

Nominasi dan Remunerasi dan- nominasi
Charter of the Nomination
and Remuneration
Committee
Piagam/Charter Audit https://www.banksinarmas.com/id/informasiumum/tatakelola/piagam-audit-intern

Charter of Internal Audit
Tanggung Jawab Sosial https://www.banksinarmas.com/id/informasiumum/corporatesecretary/tanggung-jawab-

Perusahaan sosial-perusahaan
Corporate Social
Responsibility
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VISI, MISI, DAN NILAI PERUSAHAAN [102-16]

VISION, MISSIONS, AND CORE VALUES
Visi Vision
Menjadi Bank terkemuka di Indonesia dengan jaringan distribusi yang
terintegrasi dan layanan yang prima.
To become a leading bank in Indonesia with an integrated distribution network
and excellent service.
Misi Missions
1. Membangun Layanan Keuangan yang prima guna memenuhi kebutuhan
financial masyarakat.
To develop excellent financial services to meet the financial needs of the
community.
2. Meningkatkan kemampuan Teknologi Informasi dan Sumber Daya Manusia

dalam rangka memberikan layanan terbaik melalui payment system dan
layanan digital yang lengkap.
To improve the information technology capabilities of human resources in
order to provide the best service through payment systems and complete
digital services.
3. Membudayakan sistem Manajemen Risiko sesuai dengan prinsip kehati-

hatian dan Good Corporate Governance (GCG).
To make risk management culture in accordance with the principles of
prudence and good corporate governance (GCG).
Objektif Jangka Panjang

Long-Term Objective
Menjadi Payment & Transaction Bank dengan jaringan distribusi terlengkap
dan terintegrasi.
To become a payment and transaction bank with the most complete and
integrated distribution network.
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VISI, MISI, DAN NILAI KEBERLANJUTAN SUSTAINABILITY VISION, MISSIONS, AND VALUES
Visi Keuangan Berkelanjutan Vision in Sustainable Finance

Menjadi bank yang terkemuka yang senantiasa To become a leading bank that always
menjaga keseimbangan aspek ekonomi, sosial maintains a balance between economic, social,
dan lingkungan dalam menjalankan aktivitas and environmental aspects in its operations.
operasionalnya.
Misi Keuangan Berkelanjutan Missions in Sustainable Finance

1. Meningkatkan efisiensi penggunaan energi dan 1. To improve the efficiency of energy and resource
sumber daya dalam operasional usaha. use in business operations.
2. Mengembangkan produk dan/atau jasa 2. To develop financial products and services aligned
keuangan yang menerapkan prinsip keuangan with the principle of sustainable finance.
berkelanjutan.
3. Meningkatkan peranan tanggung jawab sosial dan 3. To increase social and environmental responsibility
lingkungan (TJSL) dalam rangka meningkatkan efforts to improve the welfare of the community.
kesejahteraan masyarakat.
4. Pengelolaan risiko sosial dan lingkungan hidup 4. To improve the management of social and
yang lebih baik dengan menerapkan prinsip environmental risks aligned with the principle of
keuangan berkelanjutan. sustainable finance.
Nilai Keuangan Berkelanjutan Values in Sustainable Finance

Mengimplementasikan nilai-nilai Integritas, perilaku We have integrity and a positive attitude, are
positif, komitmen, inovatif, dan terus meningkatkan committed, innovative, and continue to improve our
kemampuan dan kapasitas selaras dalam sektor capabilities and capacities in the economic, social,
ekonomi, sosial, dan lingkungan untuk mendukung and environmental sectors to support sustainable
pembangunan berkelanjutan. development.
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BANK 2021
TAGLINE BANK SINARMAS BANK SINARMAS TAGLINE
• “We Always Care” • “We Always Care”

Kepedulian dari semua lini kerja Bank Concerns from all lines of work at Bank
Sinarmas mengenai pentingnya pelayanan Sinarmas regarding the importance
dari hati kepada nasabah, rekan kerja, rekan of consistent wholehearted service to
bisnis, masyarakat dan lingkungan yang customers, colleagues, business partners,
dilakukan secara konsisten dan perbaikan the community, and the environment,
yang berkelanjutan untuk mewujudkan and continuous improvement to achieve
kepuasan dan loyalitas nasabah. customer satisfaction and inspire their loyalty.
• “Biasakan Sekarang Luar Biasa Nanti” • “Get Used to It Now, Feel Great Later”
Biasakan Sekarang menggunakan layanan Get used to using Bank Sinarmas services
Bank Sinarmas, agar Luar Biasa nanti. now, and you will feel great later. With Bank
Bersama Bank Sinarmas, apapun keinginan Sinarmas, whatever your wishes for your
dalam manajemen keuangan personal, baik financial management, be it “saving or
itu “saving atau spending”, akan selalu kami spending”, we will always reward you.
beri penghargaan.
NILAI-NILAI LUHUR [102-16] NOBLE VALUES [102-16]
• Integrity • Integrity
Bertindak sesuai ucapan, janji sehingga dapat We keep our words and act on our promises
menumbuhkan kepercayaan pihak lain. to earn the trust of others.
• Positive Attitude • Positive Attitude
Menampilkan perilaku yang mendukung We display behaviors that support the creation
terciptanya lingkungan kerja yang saling of a mutually appreciative and conducive
menghargai dan kondusif. work environment.
• Commitment • Commitment
Melaksanakan pekerjaan dengan sepenuh We carry out our work wholeheartedly to
hati untuk mencapai hasil terbaik. achieve the best results.
• Continuous Improvement • Continuous Improvement
Meningkatkan kemampuan atau kapasitas We continuously improve the ability and
diri, unit kerja dan organisasi secara terus capacity of ourselves, our work units, and our
menerus untuk mencapai hasil terbaik. organization to achieve the best results.
• Innovative • Innovative
Memunculkan gagasan atau menciptakan We come up with ideas and create new
produk, alat kerja, sistem kerja baru yang products, tools, and systems that can increase
dapat meningkatkan produktivitas dan productivity and boost company growth.
pertumbuhan perusahaan.
• Loyal • Loyal
Menumbuhkembangkan semangat untuk As part of Bank Sinarmas’ big family, we have
mengerti, memahami, dan melaksanakan a passion to understand, instill in ourselves,
nilai-nilai perusahaan sebagai bagian dari and apply the company’s values.
keluarga besar Bank Sinarmas.
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ETOS KERJA DAN BUDAYA KEBERLANJUTAN [102-16] WORK ETHIC AND SUSTAINABILITY CULTURE [102-16]
Etos Kerja Work Ethic

• Agile (Tangkas) • Agile
Mampu memposisikan diri, beradaptasi Being able to position oneself, adapting
dan terbuka terhadap kecepatan (“velocity”) and being open to the velocity of business
perkembangan bisnis. senantiasa selalu berjalan development; never staying still, and always
walaupun pelan asal tidak diam “Bu Pa Man, Zhi making progress, although slow, like the
Pa Zhan” dimana kita tidak hanya berdiam diri proverb “Bu Pa Man, Zhi Pa Zhan” which
dan tidak melakukan apa-apa, kita dituntut untuk means it is better to make slow progress
cepat, tanggap dan terus melangkah dalam setiap than no progress at all). We are required
keadaan agar kita mampu bertahan di tengah to be fast, responsive, and keep moving in
persaingan yang ketat. every situation to enable us to survive amid
Perilaku: Tangkas, Terbuka, dan Cerdas. cutthroat competition.
Behavior: Agile, Open, and Smart.
• Networking Internationally (Menjalin Hubungan • Networking Internationally
Internasional) Constantly fostering internal, external,
Senantiasa membina hubungan internal, eksternal, and global relationships to support our
maupun secara global untuk mendukung kinerja performance in the business world.
dalam dunia bisnis. Behavior: Proactive, Responsive, and Brave.
Perilaku: Proaktif, Cepat Tanggap, dan Berani.
• Constantly Learning (Belajar Secara Terus • Constantly Learning
Menerus) Mengembangkan ide dan pengetahuan Developing ideas and knowledge, and
serta berinovasi untuk meningkatkan nilai tambah continuously innovating to increase added
secara terus menerus. value.
Perilaku : Kreatif, Inovatif, dan Solutif Behavior: Creative, Innovative, and
Resourceful.
• Reliable (Dapat Diandalkan) • Reliable
Berkomitmen untuk bekerja dengan tulus Being committed to working sincerely to foster
sehingga menumbuhkan keyakinan dan sangka faith and goodwill based on competence.
baik berlandaskan keandalan. Behavior: Competent, Capable, and Honest.
Perilaku: Kompeten, Capable, dan Jujur.
• Lets’s Work Together (Ayo Bekerja Sama) • Lets’s Work Together
Bekerja sama dalam mencapai tujuan Bank Collaborating to achieve the Bank’s goals by
berdasarkan dengan sikap peduli dan menghargai being considerate to make the Bank healthy,
(“tepa selira”) agar Bank sehat, kuat, untung, dan strong, profitable, and able to realize our
dapat mewujudkan mimpi kita bersama. shared dreams.
Perilaku: Dapat Bekerja Sama, Saling Menghargai. Behavior: Able to work together, respectful of
each other.
Visi, Misi, Objektif Jangka Panjang, Etos Kerja, dan The vision, missions, long-term objectives, work ethic,
Tagline PT. Bank Sinarmas Tbk. telah mendapatkan and tagline of PT. Bank Sinarmas Tbk. Tbk have been
pengesahan dari Dewan Komisaris dan Direksi approved by the Board of Commissioners and Board
melalui SK Presdir No. SK031/2022/PRESDIR. of Directors through the Decree of the President
Director No. SK031/2022/PRESDIR.
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BUDAYA KEBERLANJUTAN SUSTAINABILITY CULTURE
Bank Sinarmas telah mempersiapkan infrastruktur Bank Sinarmas has prepared infrastructure that
yang mendukung budaya keberlanjutan dengan supports sustainability, improved the knowledge
peningkatan pengetahuan dan pemahaman seluruh and understanding of all employees, adjusted
karyawan, penyesuaian kebijakan internal, serta internal policies, and developed sustainable
pengembangan produk dan aktivitas keuangan financial products and activities. The concept and
berkelanjutan. Konsep dan strategi penciptaan strategy of creating a sustainability culture are
budaya keberlanjutan dilakukan dengan penguatan implemented by strengthening the accountability
akuntabilitas semua fungsi terkait melalui perumusan of all related functions through the formulation
dan penerapan strategi kepatuhan, anti-fraud, risk and implementation of compliance, anti-fraud, risk
awareness, GCG, dan keamanan data. Human Capital awareness, GCG, and data security strategies. Human
Management melakukan aktivitas sosialisasi dan Capital Management carries out awareness-raising
edukasi kepada seluruh karyawan menggunakan and education activities for all employees using
sarana/sumber daya yang tersedia, seperti penyediaan available facilities/resources including the budget,
budget, platform e-learning, Zoom, dan sebagainya e-learning platforms, Zoom, etc. to support the
untuk mendukung terciptanya budaya keberlanjutan. creation of a culture of sustainability.
Pada segmen korporasi dan komersial, Bank In the corporate and commercial segments, Bank
Sinarmas senantiasa berupaya meningkatkan Sinarmas always strives to increase its portfolio of
portofolio pembiayaan kegiatan usaha berwawasan environmentally-sound business activities that we
lingkungan. Kami berupaya mendorong kontribusi finance. We seek to promote contributions to climate
pada mitigasi dan adaptasi perubahan iklim, serta change mitigation and adaptation and develop and
mengembangkan dan memperbaiki kebijakan dan improve credit policies and procedures by integrating
prosedur kredit dengan mengintegrasikan risiko environmental, social, and governance risks. Credit
lingkungan, sosial, dan tata kelola. Pemberian kredit decisions always take into account environmental
selalu memperhatikan analisis mengenai dampak impact analysis (EIA) to mitigate environmental risks.
lingkungan (AMDAL) untuk mitigasi risiko lingkungan.
Bank Sinarmas juga menaruh fokus pembiayaan Bank Sinarmas also focuses on sustainable finance
keuangan berkelanjutan dengan meningkatkan by increasing the financing of MSMEs that carry
pembiayaan kegiatan UMKM yang berhubungan out inclusive and eco-friendly activities. In general,
dengan kegiatan ekonomi yang inklusif dan ramah we have produced and implemented products and
lingkungan. Secara umum, produk serta aktivitas yang activities that fall into the category of sustainable
masuk di dalam kategori keuangan berkelanjutan finance including financial literacy and inclusion,
sudah kami terapkan, seperti literasi dan inklusi microfinance, and corporate social responsibility.
keuangan, pembiayaan mikro, dan tanggung jawab
sosial perusahaan.
Selain itu, Bank Sinarmas terus menerapkan budaya Moreover, Bank Sinarmas continues to implement
keberlanjutan pada operasional usaha dengan the sustainability policy in its business operations with
efisiensi penggunaan kertas, air, listrik, dan bahan efficient use of paper, water, electricity, and fuel. This
bakar. Kebijakan ini diterapkan secara menyeluruh policy is implemented comprehensively at all levels of
di seluruh jenjang organisasi perusahaan mulai dari the Company’s organization from the head office to
kantor pusat hingga kantor cabang dan diharapkan the branch offices and is expected to have a positive
dapat memberikan dampak positif terhadap impact on the environment.
lingkungan.
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2021 BANK
BIDANG USAHA [102-2] LINE OF BUSINESS [102-2]
PT. Bank Sinarmas Tbk. menjalankan kegiatan usaha PT. Bank Sinarmas Tbk. carries out business activities in
di bidang perbankan berdasarkan anggaran dasar the banking sector based on its articles of association
yang disahkan dalam Akta Notaris Aulia Taufani, S.H. which were legalized in Deed No. 144 by Notary Public
No. 144 tanggal 31 Agustus 2020 di Jakarta. Aulia Taufani, S.H. on August 31, 2020, in Jakarta.
Kegiatan Usaha yang Dijalankan Bank

Sinarmas
Business Activities Run by Bank
Status Pemilik
Sinarmas
Ownership Status
Sudah Dijalankan Belum Dijalankan
Already Running Not Yet Running
Menghimpun dana dari masyarakat dalam bentuk simpanan berupa giro, √

deposito berjangka, sertifikat deposito, tabungan dan/atau bentuk simpanan
lainnya yang dipersamakan.
Collecting funds from the public in the form of deposits including demand
deposits, time deposits, certificates of deposits, savings and/or equivalent forms.
Memberikan kredit. √
Providing loans.
Menerbitkan surat pengakuan hutang. √

Issuing debt acknowledgement letters.
Membeli, menjual, atau menjamin atas risiko sendiri maupun untuk √

kepentingan dan atas perintah sendiri maupun untuk kepentingan dan atas
perintah nasabahnya.
Buying, selling, or guaranteeing at the Bank’s own risk or for the benefit and
at the behest of the Bank’s customers.
i. Surat-surat wesel termasuk wesel yang diakseptasi oleh Bank yang
berlakunya tidak lebih lama dari kebiasaan dalam perdagangan surat-
surat yang dimaksud.
Bills of exchange, including those excepted by the Bank, the validity
period of which is not longer than the normal course of trading of the said
documents.
ii. Surat pengakuan hutang dan kertas dagang lainnya yang masa
berlakunya tidak lebih dari kebiasaan dalam perdagangan surat-surat
yang dimaksud.
Debt acknowledgement letters and other trading papers, the validity
period of which is not longer than the normal course of trading of the said
documents.
iii. Kertas perbendaharaan negara dan surat jaminan pemerintah.
State treasury papers and government guarantee letters.
iv. Sertifikat Bank Indonesia.
Bank Indonesia certificates.
v. Obligasi.
Bonds.
vi. Surat dagang berjangka waktu sampai dengan 1 (satu) tahun.
Trade certificates with a maturity of up to 1 (one) year.
vii. Instrumen surat berjangka lain yang berjangka waktu sampai dengan 1
(satu) tahun.
Other securities with maturities of up to 1 (one) year.
73
BANK 2021

Sinarmas
Status Pemilik
Sinarmas
Ownership Status
Memindahkan uang baik untuk kepentingan sendiri maupun untuk √

kepentingan nasabah.
Transferring money either for the Bank’s benefit or for the benefit of the Bank’s
customers.
Menempatkan dana pada, meminjam dana dari, atau meminjamkan dana √

kepada bank lain, baik dengan menggunakan surat, sarana telekomunikasi
maupun dengan wesel tunjuk, cek atau sarana lainnya.
Placing funds in, borrowing funds from, or lending funds to other banks, either
by using letters, telecommunication facilities or by money orders, checks or other
means.
Menerima pembayaran dari tagihan atas surat berharga dan melakukan √

perhitungan dengan atau antar pihak ketiga.
Receiving payments from claims on securities and performing calculations with
or between third parties.
Menyediakan tempat untuk menyimpan barang atau surat atau surat berharga. √
Providing custodial services to keep goods and securities.
Melakukan kegiatan penitipan untuk kepentingan pihak lain berdasarkan suatu √

kontrak.
Carrying out custody activities for the benefit of other parties based on a contract.
Melakukan penempatan dana dari nasabah lainnya dalam bentuk surat berharga √
yang tidak tercatat di bursa efek.
Placing customers’ funds with other customers in the form of unlisted securities.
Membeli melalui pelelangan agunan, baik semua maupun sebagian, dalam hal √
debitur tidak memenuhi kewajiban kepada bank, dengan ketentuan agunan
tersebut wajib dicairkan secepatnya.
Purchasing through auction collateral, either in whole or in part, in the event
that a debtor does not fulfill his/her/its obligations to the Bank, provided that the
purchased collateral must be liquidated as soon as possible.
Melakukan kegiatan anjak piutang, usaha kartu kredit, dan kegiatan wali amanat. √
Carrying out factoring activities, credit card business, and trustee activities.
Melakukan kegiatan dalam valuta asing dengan memenuhi ketentuan yang √

ditetapkan oleh Bank Indonesia.
Performing foreign currency related activities by fulfilling the provisions set by
Bank Indonesia.
Melakukan kegiatan penyertaan modal pada bank atau perusahaan lain di √

bidang keuangan, seperti sewa guna usaha, modal ventura, perusahaan efek,
asuransi serta lembaga kliring dan penjaminan dan lembaga penyimpanan
dan penyelesaian, dengan memenuhi ketentuan yang ditetapkan oleh Bank
Indonesia.
Carrying out capital participation activities in banks or other companies in the
financial sector, such as leasing, venture capital, securities companies, insurance,
as well ass clearing, settlement and depository institutions, by complying with the
provisions stipulated by Bank Indonesia.
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2021 BANK

Sinarmas
Status Pemilik
Sinarmas
Ownership Status
Melakukan kegiatan penyertaan modal sementara untuk mengatasi kegagalan √

kredit, dengan syarat harus menarik kembali penyertaannya, dengan memenuhi
ketentuan-ketentuan yang ditetapkan oleh Bank Indonesia.
Carrying out temporary capital participation activities to resolve the impact of
credit failure, provided that the Bank will withdraw its participation, in compliance
with the provisions stipulated Bank Indonesia.
Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun sesuai √
dengan ketentuan dalam peraturan perundang-undangan dana pensiun yang
berlaku.
Acting as the founder and administrator of the pension fund according to the
prevailing laws and regulations on pension funds.
Menyediakan pembiayaan dan atau melakukan kegiatan lain berdasarkan prinsip √

syariah sesuai dengan ketentuan yang ditetapkan oleh Bank Indonesia dan/atau
Otoritas Jasa Keuangan (OJK).
Providing financing and carrying out other activities based on the sharia
principles, according to the provisions stipulated by Bank Indonesia and the
Financial Services Authority (OJK).
Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat √

kegagalan pembiayaan berdasarkan prinsip syariah dengan syarat harus menarik
kembali penyertaannya dengan memenuhi ketentuan yang ditetapkan oleh
Bank Indonesia dan/atau OJK.
Carrying out temporary capital participation activities to resolve the impact of
financing failure, based on the sharia principles and provided that the Bank will
withdraw its participation, in compliance with the provisions stipulated by Bank
Indonesia and the Financial Services Authority (OJK).
75
BANK 2021
BIDANG USAHA DIJALANKAN PADA TAHUN BUKU LINE OF BUSINESS RUN IN THE FISCAL YEAR
Bidang usaha yang dijalankan pada tahun buku The business activities run during the fiscal year were
sesuai dengan yang tercantum pada Anggaran Dasar in accordance with the latest articles of association.
terakhir.
PRODUK DAN LAYANAN

Products and Services
Personal Banking
Simpanan / Savings Layanan Investasi Reksadana / Mutual Funds

• Deposito • Simas Investment Plan
• Deposito On Call
• Tabungan Simas Diamond Penjaminan / Guarantees
• Tabungan Simas Bisnis • Bank Garansi
• Tabungan Simas Gold • Kontra Bank Garansi
• Tabungan Simas Payroll
• Tabungan Co-branding Bancassurance
• Simas Tabungan Rencana • Simas Prima
• Tabunganku • Simas Stabil Link
• Tabungan Simpanan Pelajar (SIMPEL) • Simas Investa Link
• Simas Basic Saving Account (BSA) • Simas Power Link
• Simas Valas • Simas Magna Link
• Tabungan Rekening Dana P2P • Simas Prime Link
• Tabungan Simas Investor • Simas KID
• Tabungan Simas Digi • Smile Medical
• Rekening Dana Nasabah • Smile Hospital Plus
• Giro Sinarmas • Dana Sejahtera
• Personal Accident
Reksadana / Mutual Funds • AsuransiKu
• Danamas Rupiah Plus • Simas Net Travel
• Danamas Dollar • Simas Investa Link Dollar
• Danamas Pasti • Star Premium Dollar
• Danamas Stabil • Simas Legacy Plan
• Simas Satu Prima • Smart Investa Link IDR
• Simas Syariah Berkembang
• Simas Satu Kartu Kredit / Credit Card
• Simas Saham Unggulan • Kartu Kredit Korporat
• Simas Danamas Saham • Kartu Kredit Personal
• Simas Saham Maksima
76
2021 BANK
Business Banking
Pinjaman / Loans Ekspor Impor / Export Import

• Kredit Tanpa Agunan • Penagihan Dokumen Impor Nasabah
• Kredit Pemilikan Mobil • Penagihan Dokumen Ekspor Nasabah
• Kredit Multiguna • Penerbitan LC SKBDN
• Kredit Modal Kerja • Diskonto Dokumen LC SKBDN (berjangka)
• Kredit Investasi • Negosiasi Dokumen LC SKBDN
• Kredit Back to Back
• Kredit Perluasan Agunan Treasury
• Supply Chain Financing/Distributor Financing • TT (Telegraphic Transfer)
• Kredit Mikro KUK • BN (Bank Notes)
• Kredit Usaha Rakyat (KUR) • FX Hedging (SPOT/FORWARD/SWAP)
• KMU Petani Sawit • DOC (Deposito on Call)
• Kredit Simas Agri • ODA for G7
Layanan Bank Sinarmas

Bank Sinarmas Services
Layanan Digital/E- Banking Others

Digital Services • Safe Deposit Box
• Internet Banking • Travellers Cheque
• SimobiPlus Mobile Banking • Simas Holiday
• Debit Card • Payroll
• Credit Card • Billpayment
• Automatic Teller Machine (ATM) • Giro Biller
• Phone Banking
• 24 Hours Customer Care
• Cardless Withdrawal
• Chatbox
77
BANK 2021
Perbankan Syariah
Sharia Banking
Simpanan / Savings Pembiayaan / Financing

• Deposito Berjangka iB (Mudharabah Muthlaqah) • Pembiayaan Modal Kerja iB (Mudharabah,
• Deposito On Call iB (Mudharabah Muthlaqah) Musyarakah dan Murabahah)
• Tabungan Simas Diamond iB (Mudharabah • Pembiayaan Investasi iB (Murabahah dan Ijarah
Muthlaqah) Muntahiya Bittamlik – IMBT)
• Tabungan Simas Bisnis iB (Mudharabah Muthlaqah • Simas Umroh iB
dan Wadiah) • Pembiayaan
• Tabungan Simas iB (Mudharabah Muthlaqah dan
Wadiah) Bancassurance
• Tabungan Simas Haji iB (Mudharabah Muthlaqah) • Simas Power Save Syariah
• Tabungan Simpanan Emas iB (Mudharabah • Simas Magna Link Syariah
Mutlaqah) • Simas Prime Link Syariah
• Tabungan Rencana Haji dan Umrah iB • Simas Kid Syariah
(Mudharabah Mutlaqah) • Simas Investasi Link Syariah
• Tabungan Simas Saving Plan iB (Mudharabah • Personal Accident Sinarmas life Syariah
Muthlaqah) • Smile Medical Syariah
• Tabungan Payroll iB (Mudharabah Muthlaqah)
• TabunganKu iB (Wadiah)
• Tabungan Simpanan Pelajar iB (Wadiah)
• Tabungan Simas Pintar iB (Wadiah)
• Tabungan Simas Multifinance iB (Mudharabah
Muthlaqah)
• Giro Simas iB (Mudharabah Muthlaqah dan
Wadiah)
78
2021 BANK
WILAYAH OPERASIONAL OPERATING AREAS

[102-4][102-6][102-7][102-10] [102-4][102-6][102-7][102-10]
Sampai dengan 31 Desember 2021, Bank Sinarmas Until December 31, 2021, Bank Sinarmas already had
telah memiliki jaringan kantor yang terdiri dari Kantor an office network consisting of branch offices, sub-
Cabang, Kantor Cabang Pembantu, KFO Funding, branch offices, operational functional offices for
KFO Lending, KF UMK, Kantor Cabang Syariah, funding, operational functional offices for lending,
Kantor Kas Syariah, dan Unit Pelayanan Kas Syariah functional offices for SMEs, sharia branch offices,
yang tersebar di 34 provinsi di Indonesia dan dapat sharia cash offices, and sharia cash service units which
menjangkau seluruh wilayah Indonesia. were spread across the 34 provinces in Indonesia, and
their services could reach all regions of Indonesia.
Pada tahun 2021, terdapat penyederhanaan jenis In 2021, the types of the offices in the Bank’s office
jaringan kantor Bank sesuai tren jaringan distribusi network were streamlined according to the trend
Bank dengan penghapusan kategori Jaringan of the Bank’s distribution network by eliminating
Kantor KK/PP/UPK/Kas Keliling sesuai dengan POJK the categories of cash offices, payment points, cash
No. 12 Tahun 2020 terbaru di mana jaringan kantor service units, and mobile cash units, in accordance
yang diatur hanya Kantor Cabang, Kantor Cabang with POJK No. 12 of 2020 which lists only branch
Pembantu, dan Kantor Fungsional. offices, sub-branch offices, and functional offices in a
banking office network.
Dengan kondisi penghapusan kategori kantor KK/ By changing the categories of cash offices and cash
UPK menjadi KCP/Kantor Fungsional, Bank telah service units to sub-branch and functional offices, the
melakukan perubahan status kantor dengan Bank has changed the status of offices by opening 54
detail 54 KCP, 60 KFO Funding, 10 KFO Lending, 1 KF sub-branch offices, 60 operational functional offices
UMK serta melakukan penutupan 20 Kantor Kas dan for funding, ten operational functional offices for
3 UPK. Penutupan 23 KK & UPK mayoritas disebabkan lending, one functional office for SMEs and closing 20
oleh kantor yang berjarak tempuh cukup dekat cash offices and three cash service units. The closing
dengan kantor lainnya dan beberapa lokasi kantor of the offices was mainly due to their relatively close
yang ditutup digunakan untuk relokasi KCP. Selain distance to other offices and the use of some of
itu terjadi peningkatan status 3 kantor KFS menjadi the closed office locations for the locations of sub-
KCS dan 2 KK menjadi KCP serta penurunan status 1 branches. In addition, three sharia functional offices
kantor KC menjadi KCP. and two cash offices were upgraded to sharia branch
and sub-branch offices, respectively, while one branch
office was downgraded to a sub-branch office.
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BANK 2021
JARINGAN KANTOR
Office Network
Uraian
2021 2020 2019
Description
Kantor Cabang
68 69 69
Branch Offices
Kantor Cabang Pembantu

191 134 133
Sub-Branch Offices
KFO Funding
61 1 1
Operational Functional Offices for Funding
KFO Lending
10 - -
Operational Functional Offices for Lending
Kantor Fungsional UMK

22 22 25
Functional Offices for SMEs
Kantor Kas
- 140 143
Cash Offices
Unit Pelayanan Kas

- 12 13
Cash Service Units
Kantor Cabang Syariah

31 28 28
Sharia Branch Offices
Kantor Fungsional Syariah

- 3 3
Sharia Functional Offices
Kantor Kas Syariah 12 12 12

Sharia Cash Offices
Unit Pelayanan Kas Syariah 13 10 3

Sharia Cash Service Units
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2021 BANK
STRUKTUR ORGANISASI [102-18]

ORGANIZATIONAL STRUCTURE
President Director
Compliance & Risk

Sharia Corporate Banking Digital Banking Retail Banking
Management
Director Director Director Director
Director
Advisor to Sales & Distribution Information

Advisor to Chard & Consumer Technology, Data
Compliance Corporate Banking (Jabodetabek Management & IT
Sharia Director Loan Center
Director & Sumatra) Security
Sales & Distribution Finance &

Risk Sharia Business Corporate Banking Artificial Intelligent
(Java & East Performance
Management Unit Business Solution & Decision
Indonesian) Management
Corporate Banking 1 & Deposit Investment

Corporate Credit Sharia Strategic Business Human Capital
Commerial Business Product
Analyst Initiative Management Intelligence Management
Development
Loan Corporate
General Afair Digital Loan Operations Internal Audit
Recovery Banking 2
Group Synergy Micro, Small, &

Credit Digital Sales & Payment &
Business Medium Enterprise
Management Marketing Transaction
Development Business
Treasury & KAM, Agent

Corporate
Anti Fraud Financial Digital Factory 1 Banking, & SND
Secretary
Institution Enablement
Credit
Branch Network Corporate
Legal Administration & Digital Factory 2
Development Liaison
Control
Securities Electronic Channel

Service Operations
Indirect Channel
Contact Center &
& Collateral
Telemarketing
Valuation
Business Resilience
& Continuity
Management
81
BANK 2021
KEANGGOTAAN ASOSIASI MEMBERSHIP IN ASSOCIATIONS

[102-13] [102-13]
DAFTAR KEANGGOTAAN ASOSIASI YANG LIST OF SUSTAINABLE FINANCE ASSOCIATIONS IN

BERKAITAN DENGAN PENERAPAN KEUANGAN WHICH THE BANK IS A MEMBER
BERKELANJUTAN
Bank Sinarmas telah tergabung sebagai anggota Bank Sinarmas has been an active member of
aktif dalam keanggotaan asosiasi industri associations in the banking industry.
perbankan.
KEANGGOTAAN ASOSIASI
Membership in Associations
Nama Organisasi Status Anggota

Organization Membership Status
Perhimpunan Bank Nasional/Indonesian Banks Association (PERBANAS) Aktif/Active
Asosiasi Sistem Pembayaran Indonesia/Indonesian Payment System Association (ASPI) Aktif/Active
Asosiasi Emiten Indonesia/Indonesian Issuers Association Aktif/Active
Forum Komunikasi Direktur Kepatuhan Perbankan/Communication Forum for Banking

Aktif/Active
Compliance Directors (FKDKP)
Lembaga Alternatif Penyelesaian Sengketa Perbankan Indonesia/Indonesian Institute for

Aktif/Active
Alternative Banking Dispute Resolution (LAPSPI)
STRUKTUR PEMEGANG SAHAM SHAREHOLDER STRUCTURE

[102-5] [102-5]
Pemegang Saham PT. Bank Sinarmas Tbk. pada The shareholders of PT. Bank Sinarmas Tbk. at
awal dan akhir tahun 2021 memiliki komposisi the beginning and end of 2021 had the following
sebagai berikut: composition:
1 Januari/January 2021 31 Desember/December 2021
PT Sinar Mas Multiartha Tbk 58,13% 59,99%
PT Shinta Utama 3,50% 3,10%
Masyarakat 38,37% 36,91%
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2021 BANK
KOMPOSISI DAN PROFIL PEMEGANG SAHAM COMPOSITION AND PROFILE OF SHAREHOLDERS
Informasi Pemegang Saham Utama Major Shareholders Information
PT Sinar Mas Multiartha Tbk yang tergabung dalam PT Sinar Mas Multiartha Tbk, which is part of
Grup Sinar Mas, merupakan salah satu penyedia the Sinar Mas Group, is a provider of integrated
jasa keuangan terpadu dan komprehensif and comprehensive financial services including
meliputi multifinance, asuransi, pasar modal, jasa multi-finance, insurance, capital markets, stock
administrasi saham, keamanan, perdagangan dan administration, security, trade and industry, and
industri serta teknologi informasi. PT Sinar Mas information technology. PT Sinar Mas Multiartha
Multiartha Tbk berdiri pada tanggal 21 Oktober 1982 Tbk was established on October 21, 1982, under the
dengan nama PT Internas Arta Leasing Company. name PT Internas Arta Leasing Company. Based on
Berdasarkan kesepakatan pemegang saham an agreement dated February 25, 1995, between
tanggal 25 Februari 1995, dilakukan perubahan the shareholders, the name was changed to PT
nama menjadi PT Sinar Mas Multiartha Tbk. Sinar Mas Multiartha Tbk.
PEMEGANG SAHAM YANG MEMILIKI SAHAM >5%

Shareholders who owned share >5%
Nama Pemegang Saham Jumlah Saham Persentase Kepemilikan

Nominal
Name of Shareholder Number of Shares Ownership Percentage
PT Sinar Mas Multiartha Tbk 11.826.853.600 59,99% 1.182.685.360.000
KEPEMILIKAN SAHAM DEWAN KOMISARIS

Share Ownership of the Board of Commissioners
Anggota dewan komisaris tidak memiliki saham di The members of the board of commissioners do
Bank Sinarmas per 31 Desember 2021. not own shares in Bank Sinarmas as of December
31, 2021.
1 Januari / January 2021 31 Desember / December 2021
Nama Persentase Persentase

Jumlah Saham Jumlah Saham
Name Kepemilikan Kepemilikan
Number of Number of
Ownership Ownership
Shares Shares
Percentage Percentage
Tjendrawati Widjaja 458.300 0,0026% - -
Sammy Kristamuljana - - - -
Rusmin - - - -
83
BANK 2021
KEPEMILIKAN SAHAM DIREKSI

Share Ownership of the Board of Directors
1 Januari / January 2021 31 Desember / December 2021
Nama Jabatan Persentase Persentase

Jumlah Saham Jumlah Saham
Name Position Kepemilikan Kepemilikan
Number of Number of
Ownership Ownership
Shares Shares
Percentage Percentage
Frenky Tirtowijoyo Direktur Utama

President - - - -
Director
Loa Johnny Mailoa Direktur

- - - -
Director
Halim Direktur
609.146 0,0031% 612.146 0,0031%
Director
Hanafi Himawan Direktur

- - - -
Director
Soejanto Soetjijo Direktur

- - - -
Director
Miko Andidjaja Direktur

- - - -
Director
KELOMPOK PEMEGANG SAHAM MASYARAKAT DENGAN KEPEMILIKAN SAHAM MASING-MASING < 5%

Public Shareholders With Share Ownership < 5% Each
Nama Pemegang Saham Jumlah Saham Persentase Kepemilikan

Nominal
Name of Shareholder Number of Shares Ownership Percentage
PT Shinta Utama 610.844.074 3,09% 61.084.407.400
Masyarakat memiliki 40,01 % saham Bank Sinarmas The public owns 40.01 % of Bank Sinaramas shares
dengan jumlah pemegang saham 2.699 individu/ with 2,699 individual shareholders and shareholder
kelompok masyarakat per 31 Desember 2021. groups as of December 31, 2021.
KEPEMILIKAN SAHAM TIDAK LANGSUNG DIREKSI INDIRECT SHARE OWNERSHIP OF THE BOARDS
DAN DEWAN KOMISARIS OF DIRECTORS AND COMMISSIONERS
Seluruh anggota Dewan Komisaris dan Direksi All members of the Boards of Commissioners and
tidak memiliki kepemilikan tidak langsung atas Directors do not have indirect ownership of the
saham Bank Sinarmas. shares of Bank Sinarmas.
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2021 BANK
PEMEGANG SAHAM BERDASARKAN KLASIFIKASI

Shareholders By Clasification
Status Pemilik Jumlah Pemegang Saham Persentase Kepemilikan

Status of Owners Number of Shareholders Percentage of Ownership (%)
Lokal/Local
Individu/Individual 2.614 0,38
Institusi/Institution 56 86,27
Asing/International
Individu/Individual 10 13,35
Institusi/Institution 20 0,00
DAFTAR ENTITAS ANAK LIST OF SUBSIDIARIES
Bank Sinarmas tidak memiliki entitas anak dan Bank Sinarmas has no subsidiaries and associates as
entitas asosiasi per 31 Desember 2021, sehingga of December 31, 2021, and, therefore, no information
tidak terdapat informasi yang dapat disampaikan. can be presented.
KRONOLOGI PENCATATAN SHARE LISTING CHRONOLOGY

SAHAM
Penerbitan Saham Baru Jumlah Modal Disetor

Issuance of New Shares Total Paid-Up Capital
Jumlah
Tahun Saham Deskripsi Saham Nominal (Rp)
Year Number of Description Shares Nominal (IDR)
Shares
2010 5.680.500.000 Pendiri 5.680.500.000 568.050.000.000

Founder
2010 1.600.000.000 Penawaran Umum 7.280.500.000 728.050.000.000

Perdana Initial Public
Offering
2011 1.798.369.400 Hasil Pelaksanaan Waran Seri I 9.078.869.400 907.886.940.000

Results of the Exercise of Series I Warrant
2012 1.203.186.138 Penawaran Umum 10.282.055.538 1.028.205.553.800

Terbatas I Limited Public
Offering I
2012 1.780.700 Hasil Pelaksanaan Waran Seri I 10.283.836.238 1.028.383.623.800

85
BANK 2021

2013 2.825.475.861 Hasil Pelaksanaan Waran Seri II 13.116.881.498 1.311.688.149.800

Results of the Exercise of Series II Warrant
2014 896.535.414 PMTHMETD 14.013.416.912 1.401.341.691.200
2014 19.075.400 Hasil Pelaksanaan Waran Seri I 14.032.492.312 1.907.540.000

2014 7.676.037 Hasil Pelaksanaan Waran Seri II 14.040.168.349 1.404.016.834.900



2016 1.089.274.037 Penawaran Umum Terbatas II 15.241.273.766 1.524.127.376.600


2016 30.000 Hasil Pelaksanaan Waran Seri III 15.251.704.336 1.525.170.433.600

Results of the Exercise of Series III Warrant

2017 1.675.268 Hasil Pelaksanaan Waran Seri III 15.381.803.066 1.538.180.306.600

2018 140 Hasil Pelaksanaan Waran Seri III 15.381.803.206 1.538.180.320.600

2019 1.600.000.000 Hasil Pelaksanaan Waran Seri III 16.981.803.206 1.698.180.320.600

2020 480.000.100 Hasil Pelaksanaan Waran Seri III 17.461.803.306 1.746.180.330.600

2021 2.254.359.097 Hasil Pelaksanaan Waran Seri III 19.716.162.403 1.971.616.240.300

KRONOLOGI PENCATATAN EFEK LAINNYA CHRONOLOGY OF OTHER SECURITIES LISTINGS
Bank Sinarmas tidak melakukan pencatatan efek Until December 31, 2021, Bank Sinarmas never
lainnya selain pencatatan saham sampai dengan 31 registered any securities other than the listed shares
Desember 2021, sehingga tidak terdapat informasi and, therefore, no information can be presented
mengenai kronologi pencatatan efek lainnya yang about the chronology of other securities listings.
dapat disampaikan.
86
2021 BANK
LEMBAGA DAN PROFESI SUPPORTING INSTITUTIONS AND

PENUNJANG PERUSAHAAN PROFESSIONALS
Auditor Independen Kustodian
Independent Auditor Custodian
Kantor Akuntan Publik PT Kustodian Sentral Efek Indonesia
Mirawati Sensi Idris Gedung Bursa Efek Indonesia
Intiland Tower, Lantai 7, Tower I, Lantai 5
Jl. Jenderal Sudirman Kav. 32 Jl. Jend. Sudirman Kav. 52-53
Jakarta 10220 Jakarta 12190
Tel. (+62 21) 570 8111 Tel. (+62 21) 515 2855
Lembaga Pemeringkat Biro Administrasi Efek
Rating Agency Securities Administration Bureau
PT Fitch Rating Indonesia PT Sinartama Gunita
DBS Bank Tower, Lantai 24, Suite 2403 Sinar Mas Land Plaza, Tower I, Lantai 9,
Jl. Prof. Dr. Satrio Kav 3-5 Jl. MH. Thamrin No. 51 Jakarta 10350
Jakarta 12940 Tel. (+62 21) 392 2332
Tel. (+62 21) 2988 6800
Fax. (+62 21) 2988 6822 Notaris
Kredit Rating Indonesia Notary Public
Sinarmas Land Plaza, Tower 3 Lantai 11, Aulia Taufani, S.H.
Jl. M.H. Thamrin No. 51 Kav. 22 Menara Sudirman, Lantai 17D,
Jakarta Pusat 10350 Jl. Sudirman Kav. 60 Jakarta Selatan 12190
Tel. (+62 21) 3983 4411 Tel. (+62 21) 5289 2366
Erlina Kusuma Esti, S.E., S.H., M.Kn.
Jl. Pakubuwono VI No. 5
Kebayoran Baru Jakarta Selatan 12120

Tel. (+62 21) 2277 5097
87
BANK 2021
JASA BERKALA PROFESI PENUNJANG PASAR MODAL TAHUN 2021

Periodic Services by Capital Market Supporting Institutions and Professionals in 2021
Komisi Rp (termasuk
Profesi Penunjang Jasa pajak) Periode Penugasan
Supporting Professional Service Commission in IDR Assignment Period
(including tax)
Akuntan Publik Audit Laporan Keuangan >1.000.000.000 Tahun Buku 2021

Public Accountant Financial Report Audit Fiscal year 2021
TANGGUNG JAWAB PRODUK DAN RESPONSIBILITIES FOR

LAYANAN PRODUCTS AND SERVICES
TANGGUNG JAWAB PENGEMBANGAN PRODUK RESPONSIBILITIES FOR SUSTAINABLE

DAN/ATAU JASA KEUANGAN BERKELANJUTAN FINANCIAL PRODUCT AND SERVICE
DEVELOPMENT
Bank Sinarmas meyakini prinsip kesetaraan dalam Bank Sinarmas believes in the principle of equality in
pemberian layanan atas produk dan/atau jasa the provision of sustainable financial products and
keuangan berkelanjutan. Sebagai bentuk tanggung services. To fulfill our responsibilities to all stakeholders,
jawab kepada seluruh pemangku kepentingan, kami we aspire to provide products and services equally for
beraspirasi untuk memberikan pelayanan produk all customers and partners.
dan jasa yang setara bagi semua nasabah dan mitra.
Bank Sinarmas terus berupaya melakukan inovasi dan Bank Sinarmas continues to innovate and develop
pengembangan produk melalui transformasi digital products through digital transformation to increase
guna menambah jumlah dan persentase produk the number and percentage of sustainable financial
dan jasa keuangan berkelanjutan. Pengembangan products and services. The digital transformation of
transformasi digital dalam keuangan berkelanjutan sustainable finance will continue to be carried out
ini akan terus dilakukan hingga menjadi norma baru until it becomes the new norm in banking operations.
di dalam kegiatan operasional perbankan. Nasabah Customers no longer need to come to the bank to
tidak perlu lagi datang ke bank untuk melakukan make transactions and thereby can directly help
transaksi sehingga secara tidak langsung dapat reduce pollution and emission levels through reduced
membantu pengurangan tingkat polusi dan emisi transportation movements.
akibat berkurangnya aktivitas transportasi.
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2021 BANK
EVALUASI KEAMANAN PRODUK DAN/ATAU JASA PRODUCT AND SERVICE SAFETY EVALUATION
Bank Sinarmas senantiasa memastikan produk Bank Sinarmas always ensures that its products and
dan/atau jasa yang dimiliki telah melewati proses services have passed a security evaluation process,
evaluasi dan keamanan, baik secara internal maupun both internally and externally, in accordance with
eksternal, sesuai dengan ketentuan tarif/biaya, cost the applicable tariff/cost, cost and benefit provisions,
and benefit yang berlaku dan tanggung jawab and responsibilities to consumers. Prior to launch, all
kepada konsumen. Sebelum diluncurkan, seluruh products were always evaluated for safety to avoid
produk pun selalu dievaluasi keamanannya sehingga product or service recalls in 2021. Through the Risk
tidak ada produk dan/atau jasa yang ditarik kembali Management Unit, Bank Sinarmas conducts a risk
di tahun 2021. Melalui Unit Risk Management, Bank assessment of plans for the launch of new products and
Sinarmas melakukan kajian risiko terhadap rencana activities against OJK Regulation No. 18/POJK.03/2016
penerbitan produk dan aktivitas baru dengan concerning Risk Management Implementation for
berdasar pada Peraturan OJK No. 18/POJK.03/2016 Commercial Banks and its implementing regulations.
tentang Penerapan Manajemen Risiko bagi Bank
Umum dan Peraturan Pelaksanaannya.
Dalam menyediakan produk dan/atau jasa keuangan, In providing financial products and services, Bank
Bank Sinarmas berupaya untuk terus mematuhi Sinarmas strives to continue to comply with the
peraturan dan persyaratan Otoritas Jasa Keuangan. regulations and requirements of the Financial
Oleh sebab itu, Bank Sinarmas mengacu pada UU Services Authority (OJK). Therefore, Bank Sinarmas
No. 10 Tahun 1998 tentang Perubahan atas Undang- refers to Law No. 10 of 1998 concerning Amendment
Undang No. 7 Tahun 1992 tentang Perbankan serta to Law No. 7 of 1992 concerning Banking and OJK
Peraturan Otoritas Jasa Keuangan (OJK) No. 1/ Regulation No. 1/POJK.07/2013 concerning Consumer
POJK.07/2013 tentang Perlindungan Konsumen Sektor Protection in the Financial Services Sector during the
Jasa Keuangan selama proses evaluasi keamanan evaluation of the safety of its products and services. In
produk dan/jasanya. Bahkan, Bank Sinarmas pun fact, Bank Sinarmas also involves external parties (i.e.
melibatkan pihak eksternal pada proses evaluasi, yaitu Bank Indonesia and OJK) in the evaluation process.
Bank Indonesia dan Otoritas Jasa Keuangan (OJK).
89
BANK 2021
PROFIL DEWAN KOMISARIS

PROFILE OF THE BOARD OF
COMMISSIONERS
Komisaris Utama
Tjendrawati Widjaja
Warga Negara Indonesia

Citizenship Indonesian
Domisili
Jakarta
Domicile
Usia 58 tahun
Age 58 years old
Riwayat Jabatan dan Dasar Hukum Pertama kali diangkat sebagai Komisaris Utama berdasarkan Keputusan RUPS Luar
Pengangkatan Biasa tanggal 21 Desember 2009 dan efektif menjabat sejak 20 April 2010 dengan
Position History and Legal Basis of akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
the Appointment
She was first appointed as President Commissioner based on the Decision of the
Extraordinary GMS that was held on December 21, 2009, and effectively began to serve
on April 20, 2010 with a tenure lasting until the Annual GMS in 2023.
Rangkap Jabatan Tidak ada

Concurrent Position None
Riwayat Pendidikan Sarjana Ekonomi, Universitas Satya Wacana, Salatiga, 1986.

History of Education Bachelor of Economics at Satya Wacana University, Salatiga, 1986.
Riwayat Pekerjaan • Direktur Utama, Bank Sinarmas, 2003-2010.

Career History • Direktur Credit dan Marketing, Bank Shinta, 2002- 2003.
• Group Leader Credit dan Marketing, 2001-2002.
• President Director, Bank Sinarmas, 2003-2010.

• Credit and Marketing Director, Bank Shinta, 2002- 2003.
• Credit and Marketing Group Leader, 2001-2002.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan
Affiliation Pemegang Saham Pengendali.
She has no affiliation with members of the Board of Commissioners, Directors and
Controlling Shareholders.
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2021 BANK
Komisaris Independen
Independent Sammy Kristamuljana
Commissioner

Domisili Jakarta
Domicile
Usia 67 tahun
Age 67 years old
Riwayat Jabatan dan Dasar Hukum Pertama kali diangkat sebagai Komisaris Independen berdasarkan Keputusan RUPS
Pengangkatan Luar Biasa tanggal 15 Juni 2012 dan efektif menjabat sejak tanggal 3 Juli 2012 dengan
Position History and Legal Basis of akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
the Appointment
He was first appointed as Independent Commissioner based on the Decision of the
Extraordinary GMS that was held on June 15, 2012, and effectively began to serve on
July 3, 2012, with a tenure lasting until the until Annual GMS 2023.

Riwayat Pendidikan • Sarjana Ekonomi jurusan Akuntansi, Universitas Indonesia, 1980.

History of Education • Master of Science in Management, ADL Management Education Institute,
Cambridge, MA, USA, 1988.
• Doctor of Philosophy (PhD) di bidang Strategi dan Bisnis Internasional, City
University of London, 1998.
• Bachelor of Economics majoring in Accounting, University of Indonesia, 1980.

• Master of Science in Management, ADL Management Education Institute,
Cambridge, MA, USA, 1988.
• Doctor of Philosophy (PhD) in Strategy and International Business, City University
of London, 1998.
Riwayat Pekerjaan • Rektor, Universitas Prasetya Mulya, 2004-2012.

Career History • Fasilitator Indonesian Institute of Corporate Directorship (IICD), 2003-2012.
• Chief of Accountant, PT BDNI, 1980-1983.
• Rector, Prasetya Mulya University, 2004-2012.

• Facilitator at Indonesian Institute of Corporate Directorship (IICD), 2003-2012.
• Chief of Accountant, PT BDNI, 1980-1983.
He has no affiliation with members of the Board of Commissioners, Directors, and

Controlling Shareholders
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BANK 2021
Independent Rusmin
Commissioner

Domisili Jakarta
Domicile
Usia 62 tahun
Age 62 years old
Riwayat Jabatan dan Dasar Hukum Pertama kali diangkat sebagai Komisaris Independen berdasarkan Keputusan RUPS
Pengangkatan Luar Biasa pada tanggal 13 Juni 2014 dan efektif menjabat sejak tanggal 19 Juni 2014
Position History and Legal Basis of dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
the Appointment
He was first appointed as Independent Commissioner based on the Decision of the
Extraordinary GMS that was held on June 13, 2014, and effectively began to serve on
June 19, 2014, with a tenure lasting until the Annual GMS in 2023.

Riwayat Pendidikan • Sarjana Ekonomi, Sekolah Tinggi Ilmu Ekonomi YKPN, 1986.
History of Education • Master College of Business and Public Affairs, Murray State University, USA, 1994.
• Doktor, Curtin University of Technology, Australia, 2007.
• Bachelor of Economics, YKPN Economics College, 1986.

• Master College of Business and Public Affairs, Murray State University, USA, 1994.
• Doctorate, Curtin University of Technology, Australia, 2007.
Riwayat Pekerjaan • Anggota Majelis Kehormatan Kode Etik Badan Pemeriksa Keuangan, 2019-sekarang.
Career History • Anggota Komite Audit, BNI Sekuritas, 2012-2014.
• Anggota Komite Audit, Bank Windu Kentjana, 2009-2012.
• Honorary Member of the Ethics Council of the Supreme Audit Board, 2019-present.
• Audit Committee Member, BNI Sekuritas, 2012-2014.
• Audit Committee Member, Bank Windu Kentjana, 2009-2012.

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2021 BANK
INDEPENDENSI KOMISARIS INDEPENDEN

Independent Status of the Independent Commissioners
Aspek Independensi Sammy

Rusmin
Independence Aspect Kristamuljana
Merupakan pihak independen terhadap pemilik Bank dan Pemegang Saham √ √

Pengendali (PSP)
An independent party to the owner of the Bank and the controlling
shareholders
Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank √ √
No direct or indirect Bank share ownership
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, √ √

anggota Direksi atau Pemegang Saham Utama Bank
No affiliation with the Bank, not a member of the Board of Commissioners, not
a member of the Board of Directors, and not one of the Majority Shareholders of
the Bank
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang √ √
berkaitan dengan kegiatan usaha Bank
No direct or indirect business relationship with the Bank
PERUBAHAN KOMPOSISI ANGGOTA DEWAN CHANGES IN THE MEMBERSHIP COMPOSITION

KOMISARIS DAN ALASAN PERUBAHANNYA OF THE BOARD OF COMMISSIONERS AND
REASONS FOR THE CHANGES
RUPS Tahunan tanggal 31 Agustus 2020 memutuskan The annual general meeting of shareholders on August
komposisi anggota Dewan Komisaris dengan periode 31, 2020, decided the membership composition of the
jabatan tahun 2020-2023, sehingga tidak terdapat board of commissioners for the term of office from
perubahan komposisi anggota Dewan Komisaris dari 2020 to 2023 and, therefore, no change occurred
tahun buku sebelumnya. in the membership composition of the board of
commissioners from the previous fiscal year.
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BANK 2021
PROFIL DIREKSI
PROFILE OF THE DIRECTORS
Direktur Utama
Frenky Tirtowijoyo
President Director

Domisili Jakarta
Domicile
Usia 45 tahun
Age 45 years old
Riwayat Jabatan dan Dasar Pertama kali diangkat sebagai Direktur Utama berdasarkan Keputusan RUPS Luar Biasa
Hukum Pengangkatan per tanggal 8 September 2017 dengan akhir periode jabatan hingga dilaksanakannya
Position History and Legal Basis RUPS Tahunan 2023.
of the Appointment
He was first appointed as President Director based the Decision of the Extraordinary GMS
that was held on September 8, 2017, with a tenure lasting until the Annual GMS in 2023.

Riwayat Pendidikan • Bachelor of Business Administration in Finance, Texas A&M University, 1998.
History of Education • Master of Business Administration, National University of Singapore, 2009.
Riwayat Pekerjaan • Direktur Bank Sinarmas, 2015-2017.

Career History • Senior Manager CDD Operation and Approver, Standard Chartered Bank, Singapore
2013-2014.
• Senior Manager Consumer Banking Operations, Standard Chartered Bank Indonesia,
2006-2007.
• Assistant Vice President, Legacy Texas Bank, 2003-2005.

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2021 BANK
Direktur Corporate Banking

Loa Johnny Mailoa
Corporate Banking Director

Domisili Jakarta
Domicile
Usia 49 tahun
Age 49 years old
Riwayat Jabatan dan Dasar Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS Luar Biasa 21
Hukum Pengangkatan Desember 2009 dan efektif menjabat sejak tanggal 14 April 2010 dengan akhir periode
Position History and Legal Basis jabatan hingga dilaksanakannya RUPS Tahunan 2023.
of the Appointment
He was first appointed as Director based on the Decision of the Extraordinary GMS that
was held on December 21, 2009, and effectively began to serve on April 14, 2010, with a
tenure lasting until the Annual GMS in 2023.

Riwayat Pendidikan Bachelor of Business dari Victoria University of Technology, Melbourne, Australia, 1996.
History of Education
Riwayat Pekerjaan • Group Head Credit and Marketing, Bank Sinarmas, 2009-2010.
Career History 2009-2010.
• Senior Credit Analyst, Citibank Indonesia, 2007-2009.
• Senior Relationship Manager, PT Bank DBS Indonesia, 2005-2007.

95
BANK 2021
Direktur Syariah Halim

Shariah Director

Domisili Jakarta
Domicile
Usia 59 tahun
Age 59 years old
Riwayat Jabatan dan Dasar Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS Luar Biasa 15 Juni
Hukum Pengangkatan 2012 dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
Position History and Legal Basis
of the Appointment
was held on June 15, 2012, with a tenure lasting until the until the Annual GMS in 2023.

Riwayat Pendidikan Sarjana Ekonomi di bidang Akuntansi, Universitas Advent Indonesia, Bandung, 1985.
History of Education Bachelor of Economics majoring in Accounting, Advent Indonesia University, Bandung, 1985.
Riwayat Pekerjaan • Group Head Human Capital Management & Branch Network Development (2011-2012)
Career History • Kepala Wilayah, Bank Sinarmas, 2008–2011.
• Project Officer, Bank Sinarmas, 2007–2008.
• Group Head Human Capital Management & Branch Network Development (2011-2012)
• Regional Head, Bank Sinarmas, 2008-2011.
• Project Officer, Bank Sinarmas, 2007-2008.

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2021 BANK
Direktur Compliance Hanafi Himawan

and Risk Management
Compliance and Risk
Management Director

Domisili Jakarta
Domicile
Usia 62 tahun
Age 62 years old
Riwayat Jabatan dan Dasar Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS Luar Biasa tanggal
Hukum Pengangkatan 10 Juni 2013 dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
of the Appointment
was held on June 10, 2013, with a tenure lasting until the Annual GMS in 2023.

Riwayat Pendidikan Sarjana Ekonomi Universitas Trisakti, Jakarta, 1986.

History of Education Bachelor of Economic, Trisakti University, Jakarta, 1986.
Riwayat Pekerjaan • Group Head Compliance, Bank Sinarmas, 2012-2013.

Career History • Direktur Utama, NISP Asset Management, 2011-2012.
• Direktur, PT NISP Sekuritas, 2007-2011.
• Group Head Compliance, Bank Sinarmas, 2012-2013.

• President Director, NISP Asset Management, 2011-2012.
• Director, PT NISP Sekuritas, 2007-2011.

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BANK 2021
Direktur Digital Banking

Soejanto Soetjijo
Digital Banking Director

Domisili Jakarta
Domicile
Usia 57 tahun
Age 57 years old
Riwayat Jabatan dan Dasar Pertama kali diangkat sebagai Direktur berdasarkan keputusan RUPS Luar Biasa tanggal
Hukum Pengangkatan 24 Maret 2015 dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
He was first appointed as Director based on the decision of the Extraordinary GMS that
of the Appointment
was held on March 24, 2015, with a tenure lasting until the Annual GMS in 2023.

Riwayat Pendidikan Sarjana Ekonomi di bidang Akuntansi, Universitas Katolik Parahyangan, Bandung, 1990.
History of Education Bachelor of Economics majoring in Accounting, Parahyangan University, Bandung, 1990.
Riwayat Pekerjaan • Direktur Utama, PT Bank Capital Indonesia Tbk, 2013-2014.

Career History • Direktur, MNC Finance, 2005-2012.
• Kepala Divisi Pemasaran dan Kredit Komersial, Bank Kesawan, 2002-2004.
• President Director, PT Bank Capital Indonesia Tbk, 2013-2014.

• Director, MNC Finance, 2005-2012.
• Division Head of Marketing and Commercial Credit, Bank Kesawan, 2002-2004.

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2021 BANK
Direktur Retail Banking

Miko Andidjaja
Retail Banking Director

Domisili Jakarta
Domicile
Usia 50 tahun
Age 50 years old
Riwayat Jabatan dan Dasar Hukum Pertama kali diangkat sebagai Direktur berdasarkan Keputusan RUPS Luar Biasa
Pengangkatan tanggal 5 Desember 2018 dengan akhir periode jabatan hingga dilaksanakannya RUPS
Position History and Legal Basis of Tahunan 2023.
the Appointment
He was first appointed as Director based on the decision of the Extraordinary GMS that
was held on December 5, 2018, with a tenure lasting until the Annual GMS in 2023.

Riwayat Pendidikan • Sarjana Administrasi Bisnis, dari Universitas Atmajaya, 1995.

History of Education • Master of Business Administration (MBA) dari University of East London, UK, 1998.
• Bachelor of Business and Administration at The University of Atmajaya, 1995.

• Master of Business Administration (MBA) at University of East London, UK, 1998.
Riwayat Pekerjaan • National Sales dan Distribution Head, Bank Sinarmas, 2015-2018.
Career History • Privilege Banking Business Head, Bank UOB Indonesia, 2014-2015.
• Deposit/Funding, Investment dan Insurance (DIII) Sales Head, Bank UOB Indonesia,
2010-2013.
• Group Head of National Sales and Distribution, Bank Sinarmas, 2015-2018.

• Privilege Banking Business Head, Bank UOB Indonesia, 2014-2015
• Deposit/Funding, Investment and Insurance (DIII) Sales Head, Bank UOB Indonesia,
2010-2013.

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BANK 2021
PERUBAHAN KOMPOSISI ANGGOTA DIREKSI CHANGE IN THE MEMBERSHIP COMPOSITION

DAN ALASAN PERUBAHAN OF THE BOARD OF DIRECTORS AND REASONS
FOR THE CHANGE
RUPS Tahunan tanggal 31 Agustus 2020 The annual general meeting of shareholders
memutuskan komposisi anggota direksi dengan on August 31, 2020, decided the membership
periode jabatan tahun 2020-2023, sehingga tidak composition of the board of directors for the term
terdapat perubahan komposisi anggota direksi of office from 2020 to 2023 and, therefore, no
dari tahun buku sebelumnya. change occurred in the membership composition
of the board of directors from the previous fiscal
year.
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2021 BANK
SUMBER DAYA MANUSIA HUMAN RESOURCES
Bank Sinarmas memandang bahwa sumber Bank Sinarmas views human resources (HR) as a
daya manusia (SDM) merupakan bagian yang part that plays a very important role in supporting
memiliki peran sangat penting dalam menunjang the Bank’s business development. Therefore,
perkembangan bisnis Bank. Oleh karena itu, competency development along with strengthening
pengembangan kompetensi bersamaan dengan the professionalism and integrity of HR continues
penguatan profesionalisme dan integritas SDM to be carried out in a comprehensive manner.
terus dilakukan secara komprehensif. Bank Sinarmas Bank Sinarmas is constantly reviewing employee
senantiasa melakukan kaji ulang atas strategi management and development strategies to enable
pengelolaan dan pengembangan karyawan agar them to adapt to the development of the banking
mampu beradaptasi terhadap perkembangan industry and thereby maximally support the targets
industri perbankan, sehingga secara maksimal set by the Bank.
mampu mendukung target yang telah ditetapkan
Bank.
DEMOGRAFI KARYAWAN EMPLOYEE DEMOGRAPHIC
Bank Sinarmas memiliki 6.923 karyawan sampai Bank Sinarmas had 6,923 employees until the end
dengan berakhirnya tahun buku 2021. Perbandingan of the 2021 fiscal year. A comparison of employee
komposisi karyawan dari tahun 2019-2021 disajikan composition from 2019 to 2021 is presented in the
dalam tabel berikut: following table:
KOMPOSISI KARYAWAN BERDASARKAN GENDER [102-8]

Employee Composition By Gender
Uraian
2021 2020 2019
Description
Laki-laki
4.117 4.086 4.029
Male
Perempuan
2.806 2.871 2.962
Female
Jumlah
6.923 6.957 6.991
Total
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BANK 2021
KOMPOSISI KARYAWAN BERDASARKAN JABATAN [102-8]

Employee Composition By Position
Uraian
2021 2020 2019
Description
Komisaris
3 3 3
Commissioner
Top Management 55 50 43
Middle Management 711 679 640
Firstline Management 1.536 1.494 1.478
Staff 2.910 3.074 3.244
Non-Staff 1.708 1.657 1.583
Jumlah
6.923 6.957 6.991
Total
KOMPOSISI KARYAWAN BERDASARKAN USIA [102-8]

Employee Composition By Age
Uraian
2021 2020 2019
Description
<20 tahun / years old 6 15 21
20-30 tahun / years old 2.715 3.070 2.953
31-40 tahun / years old 3.178 3.022 3.137
41-50 tahun / years old 869 715 733
>50 tahun / years old 155 135 147
Jumlah
6.923 6.957 6.991
Total
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2021 BANK
KOMPOSISI KARYAWAN BERDASARKAN TINGKAT PENDIDIKAN [102-8]

Employee Composition By Education Level
Uraian
2021 2020 2019
Description
Pascasarjana
188 161 126
Postgraduate
Sarjana
4.472 4.519 4.680
Undergraduate
Diploma
549 565 572
College
SMA
1.662 1.661 1.566
High School
Lain-lain
52 51 47
Others
Jumlah
6.923 6.957 6.991
Total
KOMPOSISI KARYAWAN BERDASARKAN STATUS KETENAGAKERJAAN [102-8]

Employee Composition By Employee Status
Uraian
2021 2020 2019
Description
Tetap
4.453 4.351 4.020
Permanent
Kontrak
782 971 1.412
Contract
Alih Daya
1.688 1.635 1.559
Outsourcing
Jumlah
6.923 6.957 6.991
Total
103
BANK 2021
KOMPOSISI KARYAWAN BERDASARKAN MASA KERJA [102-8]

Employee Composition By Work Period
Uraian
2021 2020 2019
Description
0 - 1 Tahun / Years 1.072 1.930 1.873
> 1 - 3 Tahun / Years 1.570 1.845 2.056
> 3 - 5 Tahun / Years 1.417 838 1.097
> 5 - 10 Tahun / Years 2.113 1.788 1.512
> 10 - < 20 Tahun / Years 718 522 419
> 20 Tahun / Years 33 34 34
Jumlah
6.923 6.957 6.991
Total
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2021 BANK
ORGANISASI PENGELOLAAN SUMBER DAYA HUMAN RESOURCE MANAGEMENT

MANUSIA
Human Capital Management (HCM) di Bank Human Capital Management (HCM) at Bank Sinarmas
Sinarmas bertanggung jawab dalam mengelola dan is responsible for managing and developing human
mengembangkan sumber daya manusia (SDM). resources (HR). The main functions of HCM include:
Adapun fungsi utama HCM meliputi:
1. Human Capital System & Strategy (HCSS), yang 1. Human Capital System & Strategy (HCSS), which
memiliki fungsi utama mengembangkan strategi has the main functions of developing human
pengelolaan sumber daya manusia melalui resource management strategies through
perbaikan sistem yang berkelanjutan, manajemen continuous system improvement, managing
talenta, program pelatihan dan pengembangan, talents, implementing training and development
serta tata kelola yang optimal sehingga terciptanya programs, and promoting optimal governance to
pengelolaan sumber daya manusia yang efektif. achieve effective human resource management.
2. Human Capital Recruitment & Services (HCRS), 2. Human Capital Recruitment & Services (HCRS),
yang memiliki fungsi utama mengelola which has the main functions of managing
pemenuhan karyawan, sistem reward, pengelolaan employee fulfillment, rewarding employees,
data karyawan, penanganan atas perselisihan managing employee data, handling industrial
hubungan industrial guna terciptanya lingkungan relations disputes to create a conducive working
kerja yang kondusif, sumber daya manusia yang environment, productive human resources, and
produktif serta proses kerja yang optimal dan optimal and integrated work processes.
saling terintegrasi.
3. Human Capital Business Partner (IT & Digital 3. Human Capital Business Partner (IT & Digital
Business), yang memiliki fungsi utama sebagai Business), which has the main function as a partner
partner bagi karyawan dan manajemen untuk for employees and the management to achieve
mencapai strategi dan tujuan bisnis Bank melalui the Bank’s business strategies and goals through
pengembangan SDM, khususnya di Unit Kerja HR development, particularly in the IT and Digital
IT dan Digital Banking, sehingga meningkatkan Banking Work Units, and thereby improving the
efektivitas organisasi dalam menjalankan effectiveness of the organization in running its
bisnisnya baik dalam jangka pendek maupun business in the short and long term.
jangka panjang.
Pembagian fungsi ini bertujuan memfokuskan This division of functions aims to focus on achieving
pencapaian sasaran yang telah ditetapkan, sehingga the targets that have been set, allowing the Bank to
Bank memiliki SDM yang sejalan dengan kebutuhan have human resources that are in line with its needs.
Bank. Ketiga fungsi ini saling bersinergi untuk These three functions work together to create optimal
menciptakan pengelolaan SDM yang optimal dalam HR management to support the achievement of the
mendukung pencapaian visi dan pertumbuhan vision and sustainable organizational growth.
organisasi yang berkelanjutan.
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KEBIJAKAN STRATEGI 2021 STRATEGIC POLICY 2021
Rekrutmen Recruitment
Untuk mencapai tujuan jangka panjang Bank To achieve its long-term goal, which is to become
Sinarmas, yakni menjadi Payment and Transaction a payment and transaction bank with the most
Bank dengan jaringan distribusi terlengkap dan complete and integrated distribution network, Bank
terintegrasi, Bank mempersiapkan SDM yang Sinarmas has prepared quality and qualified human
berkualitas dan berkualifikasi. resources.
Bank percaya bahwa pemenuhan kebutuhan SDM The Bank believes that to properly meet HR needs,
yang baik perlu menyeimbangkan antara talenta a balance is needed between talents from outside
yang berasal dari luar organisasi (rekrutmen eksternal) the organization (external recruitment) in the hope
dengan harapan memberi perspektif/wawasan baru, of providing new perspectives/insights, and internal
dan kesempatan pengembangan bagi karyawan development opportunities for employees to allow
internal agar talenta terbaik dapat menempati posisi the best talents to occupy positions that are in line
yang sejalan dengan perkembangan karier melalui with their career development through promotion
proses promosi serta mutasi karyawan. and transfer of the employees.
Rekrutmen eksternal dilakukan melalui perekrutan External recruitment is carried out through the
fresh graduate dan prohire, baik di tingkat pelaksana recruitment of fresh graduates and experienced
maupun pimpinan. Bank merekrut talenta yang people, both at the executive and leadership levels.
memiliki kapabilitas dan kompetensi sesuai dengan The Bank recruits talents who have the capability
kebutuhan bisnis Bank. Strategi pemenuhan and competence according to the Bank’s business
kebutuhan tenaga kerja yang dilakukan pada tahun needs. Strategies that were implemented to fulfill the
2021 adalah sebagai berikut: workforce needs in 2021 are as follows:
1. Memperluas sumber pencarian (sourcing) 1. Increasing diversity in candidate sourcing,

kandidat, baik menggunakan website using either job-seeker websites, head
pencari kerja, head hunter, linkedin, jobfair, hunters, linked-in, job fairs, campus hiring,
campus hiring, employee referral dan kerja employee referrals, and collaboration with
sama dengan universitas. universities.
2. Memaksimalkan sarana media sosial dalam 2. Maximizing the use of social media to support
mendukung perekrutan berbasis digital, digital-based recruitment, one of which is by
salah satunya dengan penggunaan hashtag using the Instagram hashtag to approach
Instagram untuk pendekatan kandidat dan candidates and promote careers with Bank
karier Bank Sinarmas. Sinarmas.
3. Melakukan kerja sama dengan universitas 3. Cooperating with universities in providing

dalam memberikan beasiswa dan internship scholarships and internships at the Bank,
di Bank terutama di bidang IT dan Digital particularly in the IT and digital banking
Banking selaras dengan strategi Bank ke fields, which is in line with the Bank’s future
depan. strategy.
4. Menjalin kerja sama dengan perusahaan 4. Cooperating with companies that can provide
yang dapat menyediakan tenaga kerja workers with skills in IT.
dengan skill di bidang IT.
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5. Mendorong aktivitas rekrutmen untuk 5. Promoting recruitment activities to start

memulai fokus pada Employer Branding focusing on employer branding through
melalui media sosial secara konsisten. consistent social media campaigns.
6. Memaksimalkan manfaat dan fungsi web 6. Maximizing the benefits and functions of
rekrutmen dalam setiap proses rekrutmen recruitment websites in every recruitment
yang dilakukan. process.
7. Menambah fokus untuk sourcing SDM 7. Increasing focus on sourcing human

di bidang IT & Digital dengan membuka resources in IT and digitalization by opening
program khusus/bootcamp bagi fresh special programs or boot camps for fresh
graduates dari perguruan tinggi terbaik. graduates from the best universities.
Pengembangan Struktur Organisasi Organizational Structure Development
Bank Sinarmas senantiasa melakukan perbaikan Bank Sinarmas always makes continuous
yang berkelanjutan dan inovasi dalam menjalankan improvements and innovations in carrying out
setiap aspek bisnisnya untuk memberikan produk every aspect of its business to provide the best
dan layanan terbaik bagi nasabah. Salah satu products and services for customers. One of them is
bentuknya adalah melalui refocusing segmentasi by refocusing business segmentation, particularly
bisnis terutama untuk segmen kelompok usaha for the medium and corporate business segments.
menengah dan korporasi. Refocusing ini bertujuan This refocusing aims to optimize strategy, business
menghasilkan optimalisasi terhadap strategi, proses- processes, product development, risk management,
proses bisnis, pengembangan produk, manajemen and governance to increase the Bank’s productivity
risiko dan tata kelola untuk meningkatkan and provide services that suit customer needs.
produktivitas Bank, dan menghadirkan layanan
yang sesuai dengan kebutuhan nasabah.
Bank mengembangkan fungsi Unit Kerja Digital The Bank developed the function of the Digital
Banking, memfokuskan fungsi akuisisi nasabah Banking Work Unit, focused on the digital customer
digital, serta melakukan penyesuaian model kerja acquisition function, and made adjustments to
untuk fungsi Information Technology (IT). Untuk the work model for the Information technology (IT)
meningkatkan produktivitas dan performa karyawan, function. To improve employee productivity and
serta knowledge yang semakin luas, Bank melakukan performance, and broaden their knowledge, the Bank
pengembangan model kerja secara tim (squad developed a teamwork model (squad model) with
model) yang memiliki ownership dan otonomi end-to-end ownership and autonomy and multi-
end-to-end dan terdiri dari multidisciplines roles. disciplinary roles.
Pembaruan Peraturan Perusahaan (PP) Company Regulation Update
Bank Sinarmas melakukan pembaruan atas PP dan Bank Sinarmas periodically updates company
ketentuan-ketentuan internal yang merupakan regulations and internal provisions derived from
turunan dari PP secara periodik untuk mengakomodir company regulations to accommodate changes in
adanya perubahan peraturan dari pemerintah atau regulations from the government or regulators.
regulator.
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Pelatihan dan Pengembangan Training and Development
Bank Sinarmas memandang bahwa sumber Bank Sinarmas views human resources as a very
daya manusia (SDM) merupakan bagian yang important part of the development of the Bank’s
sangat penting untuk perkembangan bisnis Bank. business. Therefore, the Bank continues to develop
Oleh karena itu, Bank senantiasa melakukan employees through competency-based training
pengembangan karyawan melalui program pelatihan programs according to each position level and the
berdasarkan kompetensi sesuai masing-masing level Bank’s needs and business strategies by taking into
jabatan serta kebutuhan maupun strategi bisnis Bank account macroeconomic and internal business/
dengan mempertimbangkan isu-isu perekonomian/ economic issues of the Bank. The training and
bisnis makro maupun internal Bank. Fokus kegiatan development activities in 2021 focused on:
pelatihan dan pengembangan di tahun 2021 adalah:
1. Leadership Program 1. Leadership Program

Bank melaksanakan program pelatihan The Bank implements a leadership competence
kompetensi kepemimpinan (leadership) bagi training program for employees who have
karyawan yang telah menduduki posisi pimpinan occupied leadership positions to ensure employee
untuk memastikan kompetensi karyawan sesuai competencies are in line with the roles assigned
dengan peran yang diharapkan oleh Bank. by the Bank.
2. Pengembangan e-learning 2. E-learning Development

Seiring dengan perkembangan teknologi The development of digital technology in various
digital dalam berbagai aspek serta kondisi yang aspects and conditions allows the training to be
menjadikan proses pelatihan dijalankan secara carried out online, massively, not bound by time
online, bersifat massive, tidak terikat batasan and place restrictions, and independently by
waktu dan tempat, serta dapat dilakukan secara each employee. The Bank accommodates this by
mandiri oleh masing-masing karyawan. Bank continuously optimizing e-learning, both in terms
mengakomodir hal ini dengan senantiasa of the infrastructure and interactive content
melakukan optimalisasi e-learning, baik secara design.
infrastruktur maupun desain konten yang
interaktif.
Pengembangan Kompetensi Keuangan Sustainable Finance Competence Development

Berkelanjutan
Bank Sinarmas menyelenggarakan pelatihan Bank Sinarmas organizes competence development

pengembangan kompetensi atas keuangan training on sustainable finance for employees at
berkelanjutan bagi karyawan pada berbagai jenjang various levels using e-learning and in-class methods
jabatan dengan metode e-learning maupun in- under the responsibility of the Human Capital
class di bawah tanggung jawab Divisi Human Management Division. The Bank cooperates with
Capital Management. Bank bekerja sama dengan external parties in providing training and webinars
pihak eksternal dalam memberikan pelatihan on sustainable finance. The actual cost of training
maupun webinar terkait keuangan berkelanjutan. and education on sustainable finance in 2021 was Rp
Realisasi biaya pelatihan dan pendidikan keuangan 90,000,000.
berkelanjutan di tahun 2021 adalah sebesar
Rp90.000.000.
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Selain itu, Bank mengadakan edukasi daring tentang In addition, the Bank conducts online education
literasi keuangan berkelanjutan bagi para pemangku on sustainable financial literacy for stakeholders
kepentingan sebagai upaya meningkatkan kesadaran in an effort to raise awareness of the importance of
pentingnya dukungan terhadap pembangunan supporting sustainable development. This effort is
berkelanjutan. Upaya tersebut juga menjadi salah also one of the Bank’s steps to grow and strengthen a
satu langkah Bank Sinarmas untuk menumbuhkan culture of sustainability.
dan memperkuat budaya keberlanjutan.
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REALISASI PELATIHAN KEUANGAN BERKELANJUTAN TAHUN 2021

Realization of Sustainable Finance Training in 2021
Pelatihan Keuangan Berkelanjutan

Sustainable Finance Training
Jumlah Jam Rerata Jam

Topik Pelatihan Peserta Pelatihan Pelatihan/Pekerja Keterangan Jabatan Peserta
Topic Number of Number of Average Training Participant Position
Participants Hours Hour/Employee
Pemahaman tentang Keuangan

Berkelanjutan 66 485,7 7,3 Staff – Group Head
Sustainable Finance Awareness
Praktik Keuangan Berkelanjutan

25 76,5 3,06 Staff – Group Head
Sustainable Finance Practices
Bank Sinarmas juga memiliki beberapa program Bank Sinarmas also has several other training and
pelatihan dan pendidikan lainnya, seperti pelatihan education programs including training for promotion
untuk kebutuhan promosi jabatan atau menduduki or occupying certain positions and mandatory
jabatan tertentu, pelatihan wajib (sertifikasi) bagi (certification) training for employees. The total hours
karyawan. Total jam pelatihan yang diikuti oleh of training attended by all employees throughout
seluruh karyawan sepanjang tahun 2021 mencapai 2021 reached around 292,366 hours, with an average
sekitar 292.366 jam, dengan rata-rata sekitar 55,8 of around 55.8 hours/employee.
jam/karyawan.
Pelatihan dan pengembangan diri juga dilakukan The Board of Directors and the Board of
oleh Direksi dan Dewan Komisaris. Sepanjang tahun Commissioners participated in some trainings and
2021, berbagai pelatihan diikuti secara daring. Dewan self-developments via online throughout 2021. The
Komisaris mengikuti pelatihan berbagai topik, di Board of Commissioners attended training on various
antaranya penanggulangan pandemi, efektivitas topics, including pandemic response, effectiveness
penngawasan, strategi pengelolaan anti-fraud, of supervision, anti-fraud management strategies,
laporan keberlanjutan, serta digitalisasi. Rata-rata jam sustainability reports, and digitalization. The average
pelatihan yang diikuti melebihi 10 jam/orang. training hours were more than 10 hours/person.
Adapun untuk Direksi, pelatihan juga diikuti secara As for the Board of Directors, they participated
daring, di antaranya pengembangan ekosistem trainings via online, including digital ecosystem
digital, sinergi korporasi dan Pemerintah dalam development, corporate and government synergy in
pemulihan ekonomi nasional, economic outlook national economic recovery, economic outlook 2022,
2022, pemahaman dampak perubahan iklim, serta understanding the impact of climate change, and
manajemen risiko. Direksi mengikuti pelatihan risk management. The Board of Directors have an
dengan rata-rata melebihi 15 jam/orang sepanjang average of more than 15 hours/person training-hours
tahun 2021. throughout 2021.
Compensation & Benefit Compensation and Benefits

Bank senantiasa melakukan kajian dalam The Bank always conducts studies to determine
penetapan kebijakan remunerasi untuk memastikan remuneration for its employees to ensure the
terlaksananya prinsip-prinsip remunerasi yang implementation of reasonable remuneration
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wajar dengan mempertimbangkan kontribusi principles by taking into account the contribution of
setiap karyawan, tingkat kompetitif di industri, dan each employee, the level of competitiveness in the
kemampuan perusahaan. industry, and the Company’s capabilities.
1. Salary Survey dan Benefit Reviu 1. Salary Surveys and Benefit Reviews
Bank berpartisipasi secara periodik dalam salary The Bank periodically participates in salary surveys
survey yang difasilitasi oleh konsultan independen facilitated by an independent consultant who
yang telah diakui oleh industri perbankan, has been recognized by the banking industry to
sebagai referensi dalam membuat kajian dalam serve as a reference in conducting studies for the
penyusunan struktur upah karyawan. Bank juga preparation of the employee wage structure. The
membuat kajian-kajian terhadap tunjangan/ Bank also conducts studies on existing allowances/
fasilitas yang ada dengan mengacu pada best facilities by referring to existing best practices/
practices/benchmark yang ada. Selain itu, Bank benchmarks. Furthermore, the Bank always aligns
selalu menyelaraskan pemberian insentif atau jasa the provision of incentives or production services
produksi dengan pencapaian kinerja karyawan with the achievement of employee and company
dan perusahaan. performance.
2. Remunerasi 2. Remuneration
Bank memberikan remunerasi kepada Dewan The Bank provides remuneration, which consists
Komisaris dan Direksi berupa honorarium, of honorarium, health care allowance, production
tunjangan pemeliharaan kesehatan, jasa produksi, services, and holiday allowances, to the Boards
dan tunjangan hari raya sesuai dengan Anggaran of Commissioners and Directors according to
Dasar Perusahaan yang diputuskan dalam Rapat the Company’s articles of association which
Umum Pemegang Saham Tahunan pada akhir were decided at the annual general meeting of
triwulan II tahun 2021. shareholders at the end of the second quarter of
2021.
3. Implementasi Peraturan Otoritas Jasa Keuangan 3. Implementation of the Financial Services Authority
(POJK) 45 Regulation (POJK) 45
Bank terus memastikan implementasi POJK No. The Bank continues to ensure POJK No. 45/
45/POJK.03/2015 tentang “Penerapan Tata Kelola POJK.03/2015 concerning the “Implementation
dalam Pemberian Remunerasi bagi Bank Umum” of Governance in Providing Remuneration for
berjalan sesuai dengan ketentuan yang berlaku. Commercial Banks” is implemented according to
prevailing regulations.
Pengembangan Model Kualifikasi dan Pemetaan Qualification Model Development and Talent
Talenta Mapping
Bank telah mengimplementasikan model kualifikasi The Bank has been implementing a qualification
dan kegiatan pemetaan talenta sejak tahun 2018. model and talent mapping activities since 2018. The
Bank memanfaatkan teknologi informasi dalam Bank utilizes information technology in various stages
berbagai tahap proses assessment. Hal ini akan terus of assessment. This will continue to be developed
dikembangkan agar setiap proses evaluasi karyawan to ensure that every employee evaluation process
mengacu kepada aspek-aspek yang telah disusun, refers to the aspects that have been prepared, one
salah satunya dengan melakukan pengembangan- of which is by making improvements to the 360
pengembangan pada Aplikasi 360 Degree Assessment Degree Assessment application and adjustments to
dan penyesuaian-penyesuaian metode pengukuran the measurement methods and reports in the online
dan laporan pada aplikasi online assessment. Hasil assessment application. The results of the assessment
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dari assessment menjadi salah satu sumber dalam become one of the sources in determining
menentukan kebutuhan pengembangan yang tepat development needs that are right on target.
sasaran.
Pelaksanaan Assessment 2021 Assessment 2021

Bank melakukan assessment secara berkala untuk The Bank conducts regular assessments of the need
kebutuhan seleksi, promosi, dan evaluasi karyawan for selection, promotion, and evaluation of employees,
yang sebagian besar dilakukan melalui online mostly through an online assessment. Throughout
assessment. Sepanjang tahun 2021, Bank telah 2021, the Bank carried out 5,838 assessments for these
melaksanakan sebanyak 5.838 kegiatan assessment various needs.
untuk berbagai kebutuhan tersebut.
Selain menggunakan metode online assessment In addition to using the online assessment method
melalui proses tersebut, Bank menerapkan beberapa through this process, the Bank uses several other
mekanisme evaluasi lain, seperti untuk penilaian evaluation methods including performance appraisal
kinerja maupun evaluasi status karyawan pada saat and employee status evaluation when determining
penentuan kelanjutan perjanjian kerja. the continuation of the work agreement.
Manajemen Karier Career Management

Bank juga telah menyiapkan sistem manajemen The Bank has also prepared a career management
karier sejalan dengan sistem pengembangan SDM system in line with a competency-based HR
berbasis kompetensi yang bertujuan sebagai berikut: development system with the following objectives:
1. Memberi kesempatan kepada karyawan untuk 1. To provide opportunities for employees to develop
mengembangkan kompetensinya selaras dengan their competencies in line with the positions
kebutuhan posisi dalam perusahaan; needed in the Company;
2. Memberikan arah pergerakan karier karyawan 2. To provide direction for employees’ career paths
sesuai potensinya, sehingga karyawan dapat according to their potential, enabling employees
menentukan arah kariernya; dan to determine the direction of their careers; and
3. Mendukung peningkatan engagement karyawan 3. To support employees’ intensified engagement,
yang pada gilirannya akan meningkatkan which in turn will significantly increase their
kontribusi signifikan bagi perusahaan. contribution to the Company.
Internalisasi Budaya Kerja Work Culture Internalization

Dalam rangka memastikan agar setiap karyawan To ensure that every employee understands and
memahami dan mengimplementasikan budaya dan implements work culture and ethic in their daily work
etos kerja dalam aktivitas kerjanya sehari-hari, Bank activities, the Bank has carried out several initiatives
telah melakukan beberapa inisiatif sebagai berikut: as follows:
1. Integrasi dalam sesi induction bagi karyawan baru, 1. Incorporating work culture and ethics into
melalui penyampaian materi yang menjelaskan the induction session for new employees by
mengenai corporate profile, yang meliputi visi presenting materials explaining the Company’s
dan misi Bank, objektif jangka panjang, etos kerja, profile including the vision and missions, long-
moto, dan corporate value. term objectives, work ethic, motto, and corporate
values of the Bank.
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2. Ketersediaan material berisi corporate values, etos 2. Providing materials containing corporate values,
kerja, kode etik, dan pedoman tingkah laku dalam work ethic, code of ethics, and behavioral
aplikasi e-learning yang dapat diakses oleh setiap guidelines in the e-learning application accessible
karyawan. to every employee.
3. Menyanyikan himne Sinar Mas Terang dan 3. Requiring induction participants to sing the Sinar
pembacaan Nilai Luhur Sinar Mas secara bersama- Mas Terang hymn and recite the Sinar Mas noble
sama setiap memulai kegiatan pelatihan. values together at the start of each induction
session.
Hubungan Kepegawaian Industrial Relations

Bank menyadari tingginya keterikatan karyawan akan The Bank realizes that high employee engagement
mendorong karyawan untuk memberikan kontribusi will encourage employees to contribute more than
lebih dari yang diharapkan. Salah satu cara yang expected. One way to do this is to involve employees
dilakukan adalah dengan melibatkan karyawan dalam in various engagement activities that aim to:
berbagai kegiatan engagement yang bertujuan:
1. Menumbuhkan dan menciptakan happiness 1. Foster and create happiness at work by organizing
at work, melalui penyelenggaraan kegiatan engagement activities and supporting employee
engagement dan mendukung kegiatan-kegiatan community activities.
komunitas karyawan.
2. Terus mendorong kegiatan Internalisasi Six Values 2. Keep promoting the internalization of the Sinar Mas
Sinar Mas sehingga memperkuat fondasi karyawan Six Values to strengthen employees’ foundation
terhadap values Bank dalam penerapannya pada regarding the Bank’s values and the enforcement
aktivitas pekerjaan sehari hari. of these values in their day-to-day work.
3. Mempersiapkan dan memberikan pembekalan 3. Prepare and provide a briefing for employees who
karyawan dalam memasuki usia pensiun sehingga will soon enter retirement age to prepare them
pascapensiun karyawan siap secara mental dan mentally and spiritually to live post-retirement life.
spiritual.
Layanan Kepegawaian HR Service Delivery

Sepanjang tahun 2021, HCM terus meningkatkan Throughout 2021, Human Capital Management
pelayanan melalui HCM Care untuk mempercepat (HCM) continued to improve services through HCM
response time dan SLA dalam setiap bidang pelayanan Care to speed up the response time and service
HCM. HCM Care mengevaluasi setiap masukan yang level agreements in every area of HCM services. HCM
diterima untuk perbaikan berkelanjutan bagi proses- Care evaluates every input received for continuous
proses maupun produk HCM. Pengembangan HCMS improvement of HCM processes and products. Human
terus dilakukan secara berkesinambungan untuk Capital Management System (HCMS) development
dapat mendukung layanan kepegawaian yang lebih continues to be carried out on an ongoing basis to
seamless dan efisien. be able to support more seamless and efficient HR
service delivery.
Penyediaan informasi terkini terkait proses dan Apart from being available on the Company’s portal,
prosedur SDM selain telah tersedia dalam media the latest information on HR processes and procedures
reguler pada portal perusahaan, juga dituangkan is also presented in a more attractive video format to
dalam format video yang lebih menarik sehingga make its communication more effective.
efektif dalam penyampaiannya.
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Rencana Aksi Keuangan Berkelanjutan (RAKB) Sustainable Finance Action Plan (SFAP)
HCM telah melakukan kegiatan-kegiatan antara HCM has carried out activities including creating
lain membuat program awareness, inisiatif awareness-raising programs, process improvement
process improvement untuk proses-proses layanan initiatives for HR service delivery, competency-based
kekaryawanan, pengembangan karier karyawan employee career development, and other activities
berbasis kompetensi sebagai dasar pengembangan that can improve employee engagement with the
karier karyawan, serta kegiatan-kegiatan lain yang Bank to support the Sustainable Finance Action Plan
dapat meningkatkan keterikatan karyawan terhadap (SFAP).
Bank sebagai dukungan program Rencana Aksi
Keuangan Berkelanjutan (RAKB).
LINGKUNGAN BEKERJA YANG LAYAK DAN DECENT AND SAFE WORKING

AMAN ENVIRONMENT
Bank Sinarmas melakukan beberapa penyesuaian Bank Sinarmas has made several adjustments to
kebijakan kesehatan lingkungan kerja untuk its policy on work environment health to ensure
memastikan kesehatan karyawan dalam melakukan employees’ health at work in order to maintain their
pekerjaan agar produktivitas kerja dapat tetap productivity. The policy aims to break the chain of
dipertahankan. Kebijakan ini bertujuan untuk the spread of the coronavirus. Moreover, the Bank
memutuskan mata rantai penyebaran virus COVID-19. also periodically has its employees undergo COVID-19
Selain itu, secara berkala, Bank juga melakukan tests to mitigate the risk of spreading the virus. The
test COVID-19 bagi karyawan untuk mitigasi risiko Bank also ensures that health insurance remains valid
penyebaran virus. Bank juga memastikan bahwa for all employees and access to treatment can be
asuransi kesehatan tetap berlaku bagi seluruh easily reached upon recommendations from medical
karyawan dan akses untuk memperoleh pengobatan workers.
dapat dijangkau dengan mudah sesuai dengan
rekomendasi tenaga kesehatan.
Bank Sinarmas terus mengimbau semua karyawan Bank Sinarmas continues to urge its employees
untuk saling menjaga dan membatasi diri untuk to take care of each other and restrict themselves
tidak bertatap muka, apabila tidak diperlukan. Untuk from meeting face to face if a face-to-face meeting
mengurangi risiko penyebaran virus COVID-19, Bank is not needed. To reduce the risk of spreading the
Sinarmas terus menerapkan protokol kesehatan yang coronavirus, Bank Sinarmas implements strict health
ketat. Bank menerapkan protokol kesehatan sesuai protocols. The Bank implements health protocols
ketentuan di setiap kantor dan melaksanakan sesi- in each office according to regulations, organizes
sesi webinar edukasi dan pemahaman terkait upaya educational and awareness-raising webinars on
pencegahan penyebaran COVID-19 dan memberikan efforts to prevent the spread of COVID-19, and provides
Vitamin C melalui metode suntik. Penerapan protokol Vitamin C injections. The protocol implementation is
diawasi oleh fungsi Tim Task Force Pencegahan dan supervised by the COVID-19 Prevention and Control
Pengendalian COVID-19 yang melapor langsung Task Force which reports directly to the President
kepada Direktur Utama. Selain dari itu, Bank Sinarmas Director. Furthermore, Bank Sinarmas has analyzed
telah menganalisis dampak positif dan negatif yang the positive and negative impacts that may arise on
mungkin timbul terhadap kelancaran operasional its business operations.
bisnis.
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Bank Sinarmas menerapkan kegiatan untuk Bank Sinarmas carries out activities to ensure and
menjamin dan melindungi Keselamatan dan protect its employees’ occupational health and safety
Kesehatan Kerja (K3) bagi karyawannya. Kebijakan (OHS). A safe working environment is ensured in the
lingkungan kerja yang aman diterapkan di internal Bank through the provision of security professionals
Bank dengan menyediakan personel pengamanan and a security system, including fingerprint access
profesional dan fasilitas sistem keamanan, seperti control and CCTV at the work sites. In addition, fire
finger print dan CCTV di lokasi kerja. Selain itu, alat extinguishers and alarms are installed on each floor.
pemadam kebakaran dan alarm dipasang di setiap Bank Sinarmas also ensures the safety of security
lantai. Bank Sinarmas juga memastikan keamanan personnel by providing them with equipment, self-
dari personil keamanan dengan membekali peralatan defense training, and tools for securing office assets.
dan memberikan pelatihan bela diri dan pengamanan
aset kantor.
Secara berkesinambungan Bank mengalokasikan The Bank continuously allocates funds to ensure
sejumlah dana untuk terciptanya K3 di lingkungan occupational health and safety within the Company.
Perusahaan.
BIAYA PENERAPAN K3
OHS Implementation Cost
Uraian
2021 2020 2019
Description
Penerapan K3
1.142.527.279* 1.374.578.868* 15.000.000
OHS Implementation
*termasuk penanganan COVID-19 | including COVID-19 handling
Lingkungan kerja yang layak dan bersahabat A decent and friendly work environment is one of
merupakan salah satu faktor yang menunjang kinerja the factors that support employee performance.
karyawan. Oleh karena itu, Bank memberikan fasilitas Therefore, the Bank provides employee room facilities
ruang karyawan dengan konsep kantor ruang terbuka with an office concept to stimulate collaboration
(open space) untuk mendorong kolaborasi antara between employees.
para karyawan.
Bank Sinarmas menyediakan ruang komunal Bank Sinarmas provides a communal space that
yang berfungsi sebagai tempat interaksi sosial dan functions as a place for social interaction and joint
melakukan aktivitas bersama. Di dalam ruang ini, activities. The space has a game center, a karaoke
terdapat fasilitas berupa game center, ruang karaoke, room, a minigolf course, a performance stage, and
mini golf, performance stage, dan pantry yang a pantry that is equipped with Wi-Fi. The purpose
dilengkapi wifi. Tujuan penyediaan fasilitas-fasilitas of these facilities is to enable employees to unwind
tersebut adalah agar karyawan bisa melepas penat and reduce stress and thereby increasing their
dan mengurangi stres sehingga dapat meningkatkan productivity. The pantry and dining room function as a
produktivitas kerja. Pantry dan ruang makan berfungsi place to eat and a means of gathering and socializing
sebagai tempat makan dan sarana berkumpul serta among employees.
bersosialisasi antar karyawan.
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BANK 2021
Ruang pertemuan merupakan salah satu fasilitas The meeting room is one of the facilities provided to
yang disediakan untuk melakukan percakapan atau hold conversations or short presentations with clients,
presentasi singkat dengan klien, vendor atau sesama vendors, or fellow employees, as well as a gathering
karyawan, serta merupakan tempat berkumpul place to share ideas. This facility can also be used as
untuk berbagi ide. Fasilitas ini juga dapat digunakan an employee training and capacity-building venue. In
sebagai tempat pelatihan dan pengembangan addition, Bank Sinarmas also provides a fitness center
kemampuan pegawai. Selain itu, Bank Sinarmas juga and a library, as well as an adequate parking area that
menyediakan fitness center dan perpustakaan, serta can be used by its employees.
area parkir yang memadai dan dapat digunakan oleh
karyawannya.
Bank Sinarmas menghargai hak karyawan untuk Bank Sinarmas respects its employees’ rights to get
mendapatkan cuti sesuai aturan perundang- leave according to laws and regulations, one of which
undangan, salah satunya cuti melahirkan. Karyawan is maternity and paternity leave. Employees who have
yang telah selesai mengambil cuti melahirkan dapat finished taking leave can return to work and occupy
kembali bekerja dan menempati posisi yang sama. the same position. Bank Sinarmas also provides a
Bank Sinarmas juga menyediakan ruang laktasi lactation room for breastfeeding employees.
karyawan yang sedang menyusui.
DATA KERYAWAN YANG MENGAMBIL CUTI MELAHIRKAN TAHUN 2021

Employees Taking Maternity and Paternity Leave in 2021
Uraian/Description Jumlah/Total
Total Karyawan yang mengambil cuti melahirkan:

Number of employees who took maternity and paternity leave:
• Wanita/Female 214
• Pria/Male 0
Total karyawan yang mengambil cuti melahirkan dan kembali bekerja pada posisi yang sama
214
Number of employees who took maternity leave and returned to work in the same position
Selain itu, Bank Sinarmas memberikan remunerasi Furthermore, Bank Sinarmas provides adequate
yang layak dan fasilitas pemeliharaan kesehatan bagi remuneration and health care for all employees
seluruh karyawan sesuai dengan amanat peraturan according to the mandate of the prevailing labor
ketenagakerjaan yang berlaku. Manfaat kesehatan regulations. Healthcare benefits received by
yang diterima oleh karyawan mencakup rawat inap, employees include hospitalization, outpatient care,
rawat jalan, biaya melahirkan bagi istri karyawan childbirth costs for female employees and male
maupun karyawati, dan pergantian kacamata sesuai employees’ wives, and glasses replacement according
limit yang diberikan oleh Perusahaan. Adapun to the limits provided by the Company. Healthcare
untuk tenaga alih daya (outsourcing) diberikan benefits provided to outsourced workers are health
pemeliharaan kesehatan berupa BPJS. insurance from the social security administrative
body for health BPJS Kesehatan.
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ANALISIS DAN
PEMBAHASAN MANAJEMEN
MANAGEMENT ANALYSIS AND DISCUSSION
Kami berupaya untuk membangun kehidupan finansial

nasabah yang berkualitas, aman, dan terpercaya.
We are building a quality, safe, and reliable financial life for
our customers.
BANK 2021
STRATEGI USAHA
BUSINESS STRATEGIES
Kebijakan strategis berperan penting dalam Strategic policies play an essential role in maintaining
menjaga kelangsungan usaha untuk memastikan business continuity to ensure long-term plans
terdapat rencana dan kebijakan jangka panjang and policies are in place to achieve sustainable
guna tercapainya kinerja yang berkelanjutan. performance. For this reason, the Company constantly
Oleh karena itu, Perseroan selalu beradaptasi adapts to changing conditions, both internally and
dengan perubahan kondisi, baik dari sisi internal externally, to minimize the impact that may occur
maupun eksternal agar dapat meminimalisasi on the Company’s operations and performance.
dampak yang mungkin terjadi, baik terhadap
sisi operasional maupun kinerja Perusahaan.
Pandemi COVID-19 telah mempercepat pergeseran The COVID-19 pandemic has accelerated the shift
pola konsumen ke arah digital. Hal ini pun turut in consumer patterns toward digital services. It was
dirasakan oleh Perseroan, di mana jumlah transaksi also perceived by the Company as the number of
yang dilakukan melalui mobile banking SimobiPlus transactions made through the SimobiPlus mobile
meningkat secara signifikan. Perseroan juga terus banking increased significantly. As a result, the
berinovasi dalam pengembangan infrastruktur Company continues to innovate in digital service
pelayanan secara digital, baik dari sisi penambahan infrastructure by adding billers and features to the
biller maupun penambahan fitur pada aplikasi mobile banking application, including features to open
mobile banking seperti pembukaan rekening an account online, a planned savings account online,
online, pembukaan Tabungan Rencana online, and the Personal Financial Management (PFM) feature.
dan Personal Financial Management (PFM).
Karena digitalisasi perbankan telah menjadi Since banking digitization has become a necessity, the
keniscayaan, strategi Perseroan ke depannya Company’s strategy is to continue developing a digital
adalah terus mengembangkan ekosistem digital ecosystem to serve and anticipate customer needs
untuk melayani dan mengantisipasi kebutuhan on the lending and funding sides. Another strategy
nasabah baik dari sisi lending maupun funding, is to continue adding new features and functions to
serta terus mengembangkan fitur dan fungsi the SimobiPlus mobile banking, making it a mobile
SimobiPlus agar menjadi sebuah aplikasi mobile banking application with complete, user-friendly
banking yang memiliki fungsi dan fitur lengkap, functions and features to conduct transactions.
memudahkan dalam bertransaksi serta user friendly.
Beberapa strategi lain yang dilakukan Perseroan pada Some other strategies that the Company will carry out
tahun 2022 adalah sebagai berikut: in 2022 are as follows:
1. Melakukan beberapa corporate actions yang 1. Taking several corporate actions that aim to grow
bertujuan untuk memperkuat pertumbuhan the business significantly by collaborating with
usaha dengan cara berkolaborasi dengan pihak third parties, strengthening the digital ecosystem
ketiga, memperkuat jaringan ekosistem digital, network, and strengthening capital.
serta memperkuat permodalan.
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2. Membangun kehidupan finansial nasabah yang 2. Building a quality, safe, and reliable financial life for
berkualitas, aman, dan terpercaya. Perseroan customers. The Company will educate customers
akan mengedukasi nasabah terhadap layanan on financial services, develop new financial
keuangan, mengembangkan produk-produk products that are useful for customers’ future
finansial baru yang berguna dalam perencanaan financial planning, and increase the number
keuangan masa depan nasabah, meningkatkan of assets under management per customer
jumlah asset under management per nasabah by deepening customer understanding and
melalui customer deepening, serta reactivation reactivating programs for dormant customers.
program terhadap nasabah-nasabah yang
dormant.
3. Mengembangkan sistem pembayaran dan 3. Developing electronic payment and banking
electronic banking guna kemudahan akses untuk systems for easy access to cash deposits and
setor dan tarik tunai, serta menjalin kerja sama withdrawals, as well as establishing cooperation
dengan pihak ketiga dalam penyaluran kredit with third parties in lending using a digital
dengan menggunakan aplikasi digital. application.
TINJAUAN KINERJA PER SEGMEN PERFORMANCE OVERVIEW BY

USAHA BUSINESS SEGMENT
Bank Sinarmas membagi pembahasan kinerja per We divide the performance by business segment
segmen usaha ini menjadi 5 (lima) bagian, meliputi discussion into five sections, covering third-party
Penghimpunan Dana Pihak Ketiga, Penyaluran fund collection, loan disbursement, treasury, export
Kredit, Treasury, Ekspor dan Impor, serta Perbankan and import, and sharia banking.
Syariah.
PENGHIMPUNAN DANA FUND COLLECTION
Bank Sinarmas senantiasa melakukan peningkatan Bank Sinarmas continues to improve its services
layanan dengan berinovasi terhadap berbagai by innovating various savings products, demand
produk tabungan, giro, dan deposito untuk deposits, and time deposits to meet customers’
memenuhi kebutuhan transaksi keuangan dan financial transaction and deposit needs. Each
simpanan nasabah. Masing-masing produk product has a market segment.
memiliki segmen pasar.
Untuk memenuhi kebutuhan layanan perbankan To meet customers’ needs for banking services
nasabah dengan memanfaatkan perkembangan by taking advantage of increasingly rapid digital
digital yang semakin pesat, di tahun 2021 Bank developments, in 2021, Bank Sinarmas launched
Sinarmas meluncurkan Tabungan Simas Digi bagi the Simas Digi Savings for new customers, the
nasabah baru Bank Sinarmas, di mana pembukaan account opening of which is 100% online through
rekening 100% online melalui mobile banking the SimobiPlus mobile baking without the need for
SimobiPlus, tanpa perlu adanya interaksi langsung face-to-face interaction.
tatap muka.
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BANK 2021
PRODUK PENGHIMPUNAN DANA

Fund Collection Products
Jenis Tabungan Uraian

Type of Savings Description
Tabungan Simas Bisnis Tabungan untuk kegiatan usaha nasabah, baik nasabah perorangan maupun non-
Simas Bisnis Savings perorangan.
Savings for customers’ business activities, both individual and non-individual customers.
Tabungan Simas Diamond Tabungan premium yang memberikan berbagai benefit untuk nasabah.
Simas Diamond Savings Premium savings that provide various benefits for customers.
Tabungan Simas Gold Tabungan reguler dengan tarif rendah dan menawarkan berbagai promo menarik
Simas Gold Savings sepanjang tahun.
Regular savings with low fees and offers a variety of attractive promos throughout the year.
Tabungan Simas Payroll Tabungan untuk kebutuhan pembayaran payroll karyawan.

Simas Payroll Savings Savings for employee payroll payment needs.
Tabungan Simas Digi Tabungan yang diperuntukan bagi nasabah baru, pembukaan rekening 100% online dan
mudah, serta memberikan benefit bebas biaya.
A savings account intended for new customers with 100% online and easy account opening
and exemption from bank fees.
Simas Tabungan Rencana Tabungan dengan setoran bulanan untuk perencanaan keuangan nasabah
(Simas TARA) (saving goals) yang dilengkapi dengan layanan autodebit.
Simas Planned Savings Savings with monthly deposits for financial planning (saving goals) of customers,
(Simas TARA) complemented with auto-debit service.
Tabungan co-branding Tabungan dalam bentuk kerja sama dengan pihak ketiga.
Co-branding Savings Savings for customer transaction needs with financial technology companies.
Tabungan RDP2P Tabungan untuk kebutuhan transaksi nasabah dengan perusahaan financial technology.
RDP2P Savings Savings for customer transaction needs with financial technology companies.
Tabungan Simas Investor Tabungan dengan benefit menarik khusus diperuntukan bagi nasabah investor yang
Simas Investor Savings memiliki rekening RDN di Bank Sinarmas.
Savings with compeling benefits specially given for investor customer who have an
RDN account at Bank Sinarmas.
Simas Valas Tabungan untuk memenuhi kebutuhan transaksi dalam valuta asing nasabah.
Simas Valas Savings Accounts to meet customers’ needs for foreign currency transaction.
TabunganKu Tabungan dengan persyaratan mudah dan ringan untuk menumbuhkan budaya
TabunganKu menabung masyarakat.
Savings with simple and easy requirements to foster a culture of saving in society.
Simpanan Pelajar Tabungan yang khusus diperuntukan bagi pelajar, mulai dari PAUD sampai dengan SMA
Student Savings atau sederajat untuk mendorong budaya menabung sejak dini.
Savings specifically for students, from early childhood education to high school students or
equivalent, to encourage a culture of saving from an early age.
Simas Basic Savings Account Tabungan dengan layanan Laku Pandai (Layanan Keuangan Tanpa Kantor Dalam
Rangka Keuangan Inklusi) untuk memperluas akses layanan perbankan masyarakat.
Savings with the Laku Pandai (Officeless Financial Services for Financial Inclusion) service to
expand access to public banking services.
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Bank Sinarmas menyediakan produk simpanan Bank Sinarmas provides demand deposit products
Giro dengan berbagai pilihan mata uang, yaitu with various currency options, including IDR, USD,
IDR, USD, SGD, EUR, AUD, JPY, dan CNY bagi SGD, EUR, AUD, JPY, and CNY, for individual and
nasabah perorangan maupun non-perorangan. non-individual customers. In addition, for new
Bagi pengguna baru, Bank menawarkan produk users, the Bank offers a demand deposit product,
Giro Promo yang memberikan keuntungan ‘Giro Promo,’ which provides the benefit of free
bebas biaya transaksi dan jasa giro khusus. transaction fees and special checking services.
Bank Sinarmas meningkatkan fitur dan Bank Sinarmas has improved its deposit features
layanan deposito dengan tenor lebih panjang and services with a longer tenor of up to 36
hingga 36 bulan yang tersedia dalam months in IDR, USD, AUD, JPY, and CNY currencies.
mata uang IDR, USD, AUD, JPY, dan CNY.
Sebagai bagian dari digitisasi, Bank Sinarmas Bank Sinarmas also provides efficient, easy, and
juga menyediakan layanan berupa pembukaan practical deposit account opening services
rekening deposito yang efisien, mudah, dan through the SimobiPlus mobile banking and
praktis melalui mobile banking SimobiPlus dan Internet banking as part of its digitization efforts.
Internet Banking. Deposito online menawarkan Online deposits offer competitive interest rates with
tingkat suku bunga yang kompetitif dengan low nominal placements to reach more people.
nominal penempatan yang rendah sehingga
dapat menjangkau lebih banyak masyarakat.
FOKUS DAN STRATEGI 2021 FOCUS AND STRATEGIES IN 2021
Pandemi COVID-19 masih memengaruhi The COVID-19 pandemic was still affecting national
kondisi perekonomian nasional terutama di economic conditions, particularly in the middle of
pertengahan tahun 2021. Pembatasan sosial 2021. In addition, the large-scale social restrictions
berskala besar (PSBB) yang diterapkan pemerintah implemented by the government to reduce the rate
untuk menekan laju penularan virus COVID-19 of coronavirus transmission had limited the Bank’s
menyebabkan terbatasnya operasional Bank operations in conducting face-to-face meetings with
untuk melakukan pertemuan tatap muka existing and prospective customers.
dengan nasabah maupun calon nasabah.
Untuk memenuhi kebutuhan layanan To meet customers’ needs for banking services,
perbankan nasabah, Bank terus berinovasi dalam the Bank continued to innovate in developing
mengembangkan layanan berbasis digital. digital-based services. For example, the Bank
Kegiatan peningkatan pemasaran dilakukan carried out marketing intensification activities
melalui instrumen digital, di antaranya melalui through digital instruments, including social
media sosial dan e-mail blast. Bank juga aktif media and e-mail blasts. The Bank also actively
mengembangkan komunikasi secara reguler established communication regularly with primary
dengan prime customer melalui webinar untuk customers through webinars to update them with
pemutakhiran informasi maupun sosialisasi information and promote the Bank’s programs.
program promo Bank.
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BANK 2021
Untuk memudahkan akses nasabah, Bank To facilitate customer access, the Bank has
meningkatkan potensi channel distribution dalam increased the potential of channel distribution
SimobiPlus untuk new customer dan existing on SimobiPlus for new and existing customers,
customer, sehingga nasabah tidak perlu datang ke eliminating the need for customers to come to a
cabang di era pandemi ini. branch office during the pandemic.
Strategi lain yang diterapkan Bank dalam kegiatan Other strategies implemented by the Bank for fund
penghimpunan dana adalah: collection were:
1. Mengembangkan program tactical yang 1. Developing sustainable tactical programs to
berkelanjutan untuk meningkatkan akuisisi increase new-to-bank and new-to-product
new to bank atau new to product, seperti acquisitions, such as the acquisition of Simas
program akuisisi Simas Digi, program Simas Digi, Simas Diamond Pasti Untung, Simas
Diamond Pasti Untung, Simas Double Untung, Double Untung, programs that give away
program berhadiah gadget, kendaraan gadgets, vehicles, and solar panels as prizes,
maupun panel surya, program tabungan term savings, etc. The Bank made interactions
berjangka dan sebagainya. Interaksi dengan with prospective customers through social
nasabah potensial disampaikan melalui media media and e-mail blasts.
sosial dan e-mail blast.
2. Menerapkan kebijakan strategy pricing untuk 2. Implementing a pricing strategy for longer tenors
tenor waktu lebih panjang dalam rangka to maintain customers’ money;
mempertahankan dana nasabah.
3. Mengembangkan loyalty program untuk 3. Developing loyalty programs for existing
existing customer yang telah memiliki customers who already had a relationship with
relationship dengan Bank Sinarmas, sehingga Bank Sinarmas, facilitating the implementation
memudahkan implementasi program cross of cross-selling or up-selling programs.
selling atau up selling.
4. Meningkatkan layanan kepada nasabah dengan 4. Improving services to customers by adding
menambah fitur berbasis digital pada mobile digital-based features to the SimobiPlus mobile
banking, SimobiPlus, seperti akses pembukaan banking. The new features were to open an
rekening secara online melalui website pihak account online through a third-party website or
ketiga/partner yang bekerja sama, pembukaan a partner’s website that works with the Bank,
Tabungan Rencana dan pembukaan Rekening open a planned savings account, and open a
Dana Nasabah (RDN). Customers’ Fund Account (RDN).
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2021 BANK
Bank Sinarmas menyiapkan

sejumlah strategi untuk
meningkatkan kinerja
penghimpunan dana dengan
mengembangkan layanan berbasis
digital untuk menjaga loyalitas
nasabah
Bank Sinarmas provides a number
of strategies to improve credit
performance by developing digital-
based services to maintain customer
loyalty
Rencana Strategis 2022 Strategic Plan for 2022
Pemerintah merencanakan tahun 2021 sebagai The government planned to make 2021 the
tahun Pemulihan Ekonomi Nasional. Meskipun year for the national economic recovery. While
sampai dengan akhir tahun 2021 pemulihan it still failed to achieve this target until the end
ekonomi nasional belum tercapai sesuai target, of 2021, the economic recovery efforts that the
tahun 2022 merupakan keberlanjutan pemulihan government and all the people have attempted
ekonomi yang telah diusahakan oleh pemerintah will continue in 2022. As a result, Bank Sinarmas
dan seluruh masyarakat. Bank Sinarmas has prepared some strategies to improve
telah menyiapkan sejumlah strategi untuk its fund collection performance, including:
meningkatkan kinerja penghimpunan dana, yaitu:
1. Meningkatkan akuisisi nasabah baru dan 1. Increasing the acquisition of new customers
meningkatkan loyalitas nasabah dengan and improving customer loyalty by developing
mengembangkan layanan berbasis digital, its digital-based services, including launching
seperti meluncurkan fitur baru produk tabungan new online savings product features to meet
online untuk memenuhi kebutuhan transaksi customers’ transaction needs, the acquisition of
nasabah, program akuisisi nasabah baru melalui new customers through an online distribution
channel distribusi online dan keikutsertaan channel and program participation through the
program melalui mobile banking SimobiPlus. SimobiPlus mobile banking.
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BANK 2021
2. Melakukan akuisisi nasabah baru melalui kerja 2. Acquiring new customers through collaboration
sama dengan mitra dan seluruh touch point with partners and all touchpoints of Bank
Bank Sinarmas untuk meningkatkan potensi Sinarmas to increase existing business potential
bisnis yang ada (joint acquisition), seperti (joint acquisition), such as payroll, co-branding,
layanan payroll, cobranding, RDN, RDP2P, dan RDN, RDP2P, and other services.
sebagainya.
3. Menjalankan program promosi yang 3. Implementing sustainable promotional

berkelanjutan untuk meningkatkan loyalitas programs to increase customer loyalty and
nasabah dan up selling kepada nasabah existing, upselling to existing customers, such as prize
seperti program berhadiah akan disesuaikan programs tailored to the wishes and needs of
dengan keinginan dan kebutuhan nasabah. customers.
4. Menjalankan activation program (dormant 4. Implementing an activation (dormant activation)

activation) untuk meningkatkan cross selling dan program to increase cross-selling and upselling to
up selling bagi nasabah potensial yang telah dimiliki. existing potential customers.
5. Mengevaluasi kebijakan pricing secara berkala 5. Evaluating the pricing policy regularly, adjusted to
yang disesuaikan dengan strategi Bank dan kondisi the Bank’s strategies and the market conditions of
pasar industri perbankan. the banking industry.
KINERJA USAHA 2021 BUSINESS PERFORMANCE IN 2021
Bank berhasil melakukan penghimpunan dana pada The Bank succeeded in collecting Rp37,678 billion in
tahun 2021 sebesar Rp37.678 miliar, tumbuh 23,23% funds in 2021, increasing by 23.23% compared to the
dibandingkan posisi tahun 2020 sebesar Rp30.576 Rp30,576 billion raised in 2020. Demand Deposits
miliar. Pertumbuhan giro menjadi kontributor became the most significant contributor with an in-
terbesar dengan peningkatan sebesar 104,23%, dari crease of 104.23%, from Rp8,768 billion to Rp17,906 bil-
Rp8.768 miliar menjadi Rp17.906 miliar. Pertumbuhan lion. The most significant contributor to the increase
giro yang terbesar berasal dari segmen nasabah in demand deposits was the corporate customer to
korporasi untuk kebutuhan transaksi, seiring dengan fulfil their transactions, in line with the economic re-
pemulihan ekonomi pasca pandemi COVID-19, dan covery after the COVID-19 pandemic, and the RDN
pertumbuhan nasabah RDN. customers’ growth.
Tabungan meningkat 5,26% dari Rp9.620 miliar Total savings 5.26% from Rp9,620 billion to Rp10,126
menjadi Rp10.126 miliar. Peningkatan tabungan billion. The increase in savings resulted from
merupakan hasil promo yang dijalankan secara promotions done consistently by the Bank throughout
konsisten oleh Bank sepanjang tahun 2021 untuk 2021 to maintain customer loyalty, growth in payroll
mempertahankan loyalitas nasabah, pertumbuhan customers, and expansion in digital-based services.
nasabah payroll, dan peningkatan layanan berbasis
digital.
Sementara itu, deposito mengalami penurunan Meanwhile, time deposits decreased by 20.86%
20,86% menjadi Rp9.646 miliar dari tahun sebelumnya to Rp9,646 billion from the previous year which
yang sebesar Rp12.188 miliar. Hal ini sejalan dengan amounted to Rp12,188 billion. This is in line with the
strategi Bank untuk menurunkan komposisi dana Bank’s strategy to reduce the high interest funds
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2021 BANK
bunga tinggi dengan mempertimbangkan kondisi composition by considering the Bank’s liquidity
likuiditas Bank yang masih terjaga. Pada tahun 2021, condition. In 2021, the number of accounts and
jumlah rekening dan nasabah mengalami kenaikan customers increased by 4.38% from the previous
sebesar 4,38% dari tahun sebelumnya. Peningkatan year. The highest increase was from RDN customers,
tertinggi dari nasabah RDN, melalui kerja sama through account opening cooperation with securities
pembukaan rekening dengan perusahaan sekuritas, companies. This is the Bank’s strategy to be carried
yang konsisten dijalankan Bank. out.
KOMPOSISI SIMPANAN (RP JUTA)

Composition of Deposits (Rp Million)
Jenis Simpanan 2021 2020 2019 Type of Savings
Giro 17.905.579 8.767.517 6.919.967 Demand Deposits
Tabungan 10.126.333 9.620.004 8.460.032 Savings
Deposito Berjangka 9.645.706 12.188.131 9.059.692 Time Deposits
Total 37.677.618 30.575.652 24.439.691 Total
Pada tahun 2021, total giro konvensional yang In 2021, the Bank collected Rp17,906 billion in
terakumulasi dalam Bank mencapai Rp17.906 conventional demand deposits. Compared to the
miliar. Dibandingkan dengan tahun 2020 yang conventional demand deposits collected in 2020,
Rp8.767 miliar, terjadi peningkatan 104,23% atau totaling Rp8,767 billion, there was an increase of
setara dengan Rp9.138 miliar. Sebagian besar nilai 104.23% or equivalent to Rp9,138 billion. Most of the
giro tersebut berasal dari rekening pihak ketiga demand deposits came from third-party accounts,
yang mencapai 59,99%. which accounted for 59.99%.
KINERJA GIRO KONVENSIONAL (RP JUTA, KECUALI DINYATAKAN LAIN)

Performance of Conventional Demand Deposits (Rp Million, unless otherwise stated)
2021 2020 Pertumbuhan

(Penurunan)
Description
Keterangan Nominal Komposisi Nominal Komposisi Growth
Nominal Composition Nominal Composition (Decrease)
Pihak Berelasi 7.164.085 40,01% 3.756.560 42,85% 90,71% Related Party
Pihak Ketiga 10.741.494 59,99% 5.010.937 57,15% 114,36% Third Party
Total 17.905.579 100,00% 8.767.517 100,00% 104,23% Total
Total produk tabungan konvensional yang dibukukan The total conventional savings products posted by
oleh Bank mencapai Rp10.126 miliar, tumbuh 5,26% the Bank reached Rp10,126 billion, increasing by 5.26%
dibandingkan dengan tahun 2020 sebesar Rp9.620 compared to 2020 which amounted to Rp9,620 billion.
miliar. Sebagian besar atau 99,27% merupakan Most or 99.27% came from third-party savings.
tabungan pihak ketiga.
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KINERJA PRODUK TABUNGAN KONVENSIONAL (RP JUTA, KECUALI DINYATAKAN LAIN)

Performance of Conventional Savings Products (Rp Million, unless otherwise stated)

(Penurunan)
Description
Pihak Berelasi 73.832 0,73% 72.166 0,75% 2,31% Related Party
Pihak Ketiga 10.052.501 99,27% 9.547.838 99,25% 5,29% Third Party
Total 10.126.333 100,00% 9.620.004 100,00% 5,26% Total
Untuk produk deposito berjangka konvensional, The Bank successfully collected Rp9,646 billion in
yang berhasil diakumulasikan oleh Bank pada tahun conventional time deposit products in 2021. Compared
2021 mencapai Rp9.646 miliar. Dibandingkan tahun to 2020, which amounted Rp12,188 billion, there was
2020 yang sebesar Rp12.188 miliar, terjadi penurunan an decrease of 20.86%. Most of these deposits had
20,86%. Sebagian besar deposito tersebut berjangka a maturity of one month, reaching Rp257 billion or
waktu 1 (satu) bulan, yaitu mencapai Rp257 miliar atau 2.66% of the total conventional time deposits.
2,66% dari total deposito berjangka konvensional.
KINERJA PRODUK DEPOSITO BERJANGKA KONVENSIONAL (RP JUTA, KECUALI DINYATAKAN LAIN)
Performance of Conventional Time Deposit Products (Rp Million, unless otherwise stated)

(Penurunan)
Description
Pihak Berelasi 734.243 7,61% 1.370.792 11,25% -46,44% Related Party
Pihak Ketiga 8.911.463 92,39% 10.817.339 88,75% -17,62% Third Party
Total 9.645.706 100,00% 12.188.131 100,00% -20,86% Total
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KINERJA DEPOSITO BERJANGKA KONVENSIONAL BERDASARKAN WAKTU (RP JUTA, KECUALI DINYATAKAN LAIN)
Performance of Conventional Time Deposits by Maturity (Rp Million, unless otherwise stated)

(Penurunan)
Description
Kurang dari 1 Less than 1

256.820 2,66% 900.204 7,39% -71,47%
bulan month
1 bulan 6.027.254 62,49% 7.766.216 63,72% -22,39% 1 month
3 bulan 1.294.003 13,42% 1.950.004 16,00% -33,64% 3 months
6 bulan 776.252 8,05% 965.674 7,92% -19,62% 6 months
12 bulan 1.262.230 13,09% 606.033 4,97% 108,28% 12 months
Lebih dari 12 More than 12

29.147 0,30% - 0,00% 0,00%
bulan months
Total 9.645.706 100,00% 12.188.131 100,00% -20,86% Total
PENYALURAN KREDIT LOAN DISBURSEMENT
Penyaluran kredit merupakan aktivitas Loan disbursement is a financing activity for

pembiayaan kepada nasabah, yang mencakup customers, including working capital, investment,
pembiayaan modal kerja, investasi, dan konsumsi. and financing for consumption. Bank Sinarmas
Bank Sinarmas membagi nasabah-nasabah dalam divides its customers in lending activities into
kegiatan penyaluran kredit menjadi beberapa micro SME, commercial, and corporate segments.
segmentasi: mikro SME, commercial, dan corporate.
Pada tahun 2021, produk unggulan consumer adalah In 2021, consumers’ flagship product was the
KTA Payroll. Produk ini menjadi unggulan di tengah KTA Payroll, although the COVID-19 pandemic had
pandemi COVID-19 yang memberikan dampak besar significantly impacted the Indonesian economy.
ke perekonomian Indonesia. Perbankan lebih berhati- As a result of the impact, banks have been more
hati dalam memberikan pinjaman, sedangkan careful in providing loans, while customers need
nasabah membutuhkan dana untuk memenuhi funding to meet their daily operations. Therefore,
operasional sehari-hari. Oleh karena itu, Bank Bank Sinarmas provides financing to customers
Sinarmas memberikan pembiayaan kepada nasabah who receive their salary payments through Bank
yang pembayaran gaji nya dilakukan melalui Bank Sinarmas. In addition, Bank Sinarmas looks at the
Sinarmas. Selain itu, Bank Sinarmas juga melihat credibility of the companies where its customers
kredibilitas dari Perusahaan tempat nasabah bekerja work and their resilience during the pandemic.
dan ketangguhannya selama masa pandemi ini.
Perbankan lebih berhati-hati dalam memberikan Banks have been more careful in providing loans,
pinjaman, sedangkan nasabah membutuhkan while customers need funding to meet their
dana untuk memenuhi operasional sehari-hari. daily operations. It makes customers pledge their
Hal ini membuat nasabah menjaminkan aset liquid assets as collateral to obtain financing.
likuid miliknya untuk mendapatkan pendanaan.
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PRODUK PENYALURAN KREDIT

Lending Products
Segmen Produk Uraian

Segment Product Description
Micro Loan Simas KUK dan KUR Terdiri dari:

Simas KUK and KUR Consisting of:
• KUR Mikro / Micro KUR (People’s Business Credit)
• KUR Kecil / Small KUR (People’s Business Credit)
• KUR Khusus sebagai supporting program kredit pemerintah
dengan plafon kredit maksimal Rp500 juta/nasabah / Special KUR
(People’s Business Credit) as supporting program of government
lending with a maximum credit limit of Rp500 million/customer
Simas KUK Kredit produktif yang diberikan ke pelaku usaha dengan plafond maksimal
Simas KUK Rp1 miliar/nasabah dan khusus penambahan fasilitas kredit (top up) hingga
Rp2 miliar.
A productive loan granted to businesses with Rp1 billion maximum per
customer and up to Rp2 billion specifically for additional (top-up) credit
facilities.
Agri Fokus pemberian kredit produktif kepada para petani/peternak.

Agri Focusing on providing productive lending to farmers/ranchers.
KTA Sawit Fokus pada pemberian kredit ke para petani sawit untuk kebutuhan
KTA Sawit pembelian sarana produksi.
Focusing on providing credit to palm oil farmers for the needs of purchasing
production facilities.
Consumer KTA Payroll Kredit tanpa agunan berjangka waktu 1-5 tahun untuk karyawan dari
KTA Payroll perusahaan yang pembayaran payroll melalui Bank Sinarmas.
An unsecured loan with a term of 1-5 years for employees who receive their
payroll payments through Bank Sinarmas.
KTA Dana Darurat Kredit tanpa agunan yang diberikan kepada nasabah existing yang
KTA Emergency Funds memerlukan dana untuk keperluan mendesak. Kredit ini berjangka waktu
14 hari dengan nominal Rp1,7 juta.
An unsecured loan provided to existing customers needing funds for urgent
needs. This loan has a term of 14 days with a nominal value of Rp1.7 million.
Kredit Multiguna (KMG) Kredit untuk tujuan multiguna, yang terdiri dari:
Multi-Purpose Loan A loan for multi-purposes, consisting of:
(KMG) • KMG dengan jaminan fixed asset / KMG with a fixed asset as
collateral
Kredit Kepemilikan Kredit yang ditujukan untuk pembelian mobil baru, berjangka waktu 1 s.d.
Mobil (KPM) 3 tahun. Bank Sinarmas bekerjasama dengan perusahaan-perusahaan yang
Car Ownership Program mau meningkatkan loyalitas karyawan berprestasi dengan memberikan
(COP) benefit berupa fasilitas COP.
Credit intended for the purchase of a new car, with a term of 1 to 3 years. Bank
Sinarmas cooperates with companies that want to increase loyalty/retain
outstanding employees by providing benefits in the form of COP facilities.
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SME Loan Supply Chain Financing & Fasilitas kredit/pembiayaan kepada perusahaan dalam satu rantai bisnis
Distributor Financing yang sama. Produk ini meruapakan produk unggulan pada tahun buku
berjalan.
A financing facility for companies within the same business chain. This
product is a leading product in the current financial year.
Produk kerja sama Fasilitas kredit/pembiayaan dengan skema channeling/referal kredit dari
penyaluran kredit/ perusahaan peer to peer lending dengan plafond maksimal Rp2 miliar/
pembiayaan melalui nasabah.
perusahaan digital A loan or financing with channeling by or referral from a peer-to-peer
lending. lending company with a ceiling of Rp2 billion per customer.
Lending/financing
products in collaboration
with digital lending
companies.
Kredit Modal Kerja & Fasilitas kredit/pembiayan produktif kepeda pelaku usaha dengan plafond
Kredit Investasi maksimal Rp15 miliar/nasabah
Working Capital Loan & A productive loan or financing for businesses with a ceiling of Rp15 billion
Investment Loan per customer.
Corporate Modal Kerja Fasilitas kredit yang jangka waktunya tidak lebih dari 1 (satu) tahun yang
Working Capital digunakan untuk modal kerja usaha dengan plafond > 75 Miliar.
A loan with a maturity of less than 1 (one) year, which is used as working
capital with a nominal value of more than 75 billion.
Investasi Fasilitas kredit yang jangka waktunya lebih dari 1 (satu) tahun yang diberikan
Investment kepada debitur perorangan maupun badan usaha untuk tujuan investasi
dengan plafond > 75 Miliar.
A loan with a term of more than 1 (one) year, provided to individual debtors
or businesses for investment with a nominal value of more than 75 billion.
Konsumsi Melalui skema Channeling & Joint Financing dalam rangka kerja sama
Consumption (linkage program) dengan korporasi multifinance.
Through the Channeling & Joint Financing scheme in the framework of
linkage program with multi-finance corporations.
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Commercial Modal Kerja Fasilitas kredit yang jangka waktunya tidak lebih dari 1 (satu) tahun yang
Working Capital digunakan untuk modal kerja usaha dengan plafond > 15 miliar sd 75 miliar.
A loan with a maturity of less than 1 (one) year, which is used as working
capital with a nominal value between 15 billion and 75 billion.
Investasi Fasilitas kredit yang jangka waktunya lebih dari 1 (satu) tahun yang diberikan
Investment kepada debitur perorangan maupun badan usaha untuk tujuan investasi
A loan with a term of more than 1 (one) year, provided to individual debtors
or businesses for investment with a nominal value between 15 billion and 75
billion.
Konsumsi Fasilitas kredit dengan jaminan tunai (back to back/ perluasan agunan) dengan
Consumption tujuan konsumtif.
A loan with cash guarantee (back to back or expansion of collateral) for
consumptive purposes.
Supply Chain Financing & Fasilitas pembiayaan kepada perusahaan dalam satu rantai bisnis. Produk ini
Distributor Financing merupakan produk unggulan pada tahun buku berjalan.
A financing facility for companies within the same business chain. This
product is a leading product in the current financial year.
Tahun 2021 masih merupakan tahun penuh The year 2021 remained a year full of challenges for
tantangan bagi dunia usaha, termasuk the business world, including banks. The second
perbankan. Gelombang ke-2 pandemi COVID-19 wave of the COVID-19 pandemic in mid-2021 was
di pertengahan semester 2021 cukup menekan enough to suppress economic performance and
kinerja perekonomian dan berdampak pada fungsi impact the banking intermediation function. As
intermediasi perbankan. Dalam menghadapi a result, Bank Sinarmas has realized the following
beragam tantangan tersebut, Bank Sinarmas telah business focus and strategies to face these
merealisasikan sejumlah fokus dan strategi usaha, challenges.
seperti dijabarkan dalam uraian di bawah.
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A. Segmen Mikro A. Micro Segment
Untuk segmen mikro, Bank sangat merasakan The Bank felt the impact on the MSME segment,
dampaknya pada segmen UMKM yang which experienced disruptions to production
mengalami gangguan, baik dari sisi produksi and demand. The disruptions were mainly due
maupun permintaan. Terutama akibat kebijakan to the public activity restrictions (PPKM), which
pemberlakuan pembatasan kegiatan masyarakat significantly impacted community mobility and
(PPKM) yang berpengaruh besar pada mobilitas thereby pressured MSMEs, particularly in the food,
masyarakat sehingga UMKM, khususnya di sektor beverage, and similar sectors. In such conditions,
makanan, minuman, dan sejenisnya, mengalami the focus and strategies implemented were:
tekanan. Dalam kondisi seperti itu, fokus dan
strategi yang diterapkan adalah:
1. Merestrukturisasi kredit nasabah-nasabah 1. Restructuring the credit of customers affected
terdampak COVID-19, baik baik melalui by COVID-19, either through rescheduling or a
penjadwalan ulang (rescheduling) maupun grace period.
melalui graceperiod.
2. Memanfaatkan stimulus pembayaran bunga 2. Taking advantage of the interest payment
dari pihak pemerintah, sehingga selama stimulus from the government, allowing the
beberapa bulan nasabah bunga kreditnya government to bear the interest on customer
ditanggung oleh pihak pemerintah. loans for several months.
3. Monitoring secara berkala terhadap sektor- 3. Periodically monitoring the sectors most
sektor yang terdampak krisis paling signifikan significantly affected by the crisis, which branch
yang dilakukan oleh cabang. offices carried out.
4. Melakukan upaya komunikasi ke nasabah- 4. Communicating with existing customers and
nasabah existing dan sharing kondisi yang di sharing conditions on the ground to anticipate
lapangan, sehingga antisipasi pencegahan and adequately manage the deterioration in
pemburukan tingkat kolektibilitas nasabah the level of customer collectability.
bisa dikelola dengan baik.
5. Penyaluran kredit tetap dijalankan dengan 5. Continuing to disburse loans with prudence
prinsip ke hati-hatian, fokus pada sektor-sektor principles, focusing on the basic needs and
kebutuhan pokok dan kesehatan serta produk- health sectors, and providing lending products
produk kredit yang memiliki penjaminan kredit. with credit guarantees.
6. Fokus pada sejumlah hal, seperti: 6. Focusing on several lending products, including:
• Produk Simas KUK KUR (KUR Super Mikro, • Simas KUK KUR (Super Micro KUR,
KUR Mikro, KUR Kecil, dan KUR Khusus). Micro KUR, Small KUR, and Special KUR)
Pada tahun 2021, Bank Sinarmas sudah products. In 2021, Bank Sinarmas received
mendapatkan persetujuan dari Kemenko approval from the Coordinating Ministry for
terkait Kuota KUR sebesar Rp1,25 triliun Economic Affairs regarding the KUR quota
yang terdiri dari KUR Konvensional sebesar of Rp1.25 trillion, consisting of Rp950 billion
Rp950 miliar dan KUR Syariah Rp300 miliar. and Rp300 billion for Conventional KUR
and Sharia KUR, respectively.
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• Penyaluran kredit hingga Rp15 miliar per • The National Economic Recovery (PEN)
nasabah, namun tetap berkonsentrasi credit with a ceiling of up to Rp15 billion per
pada UMKM dalam rangka pemulihan customer but still concentrated on MSMEs.
ekonomi nasional. Kredit tersebut memiliki The loan had a guarantee from a credit
penjaminan dari asuransi penjaminan guarantee insurance designated by the
kredit yang ditunjuk oleh pemerintah government, and the government paid the
dan premi asuransi penjaminannya itu insurance premium.
ditanggung/dibayarkan oleh pemerintah.
7. Top Up dan reakusisi terhadap nasabah- 7. Providing opportunities for customers,

nasabah yang memiliki histori kredit lancar, particularly MSMEs, who had a good credit
baik di Bank Sinarmas maupun lembaga history at Bank Sinarmas and other financial
keuangan lain, khususnya UMKM. institutions to make top-ups and reacquisitions.
8. Melalui Kredit Agri dan Sawit, diharapkan bisa 8. Acquiring farmers and smallholders in groups
mengakuisisi peternak/petani yang sifatnya through the Agri and Palm Oil Credit to enable
kelompok sehingga secara jumlah nasabah the number of customers and the limit of loans
dan plafon kredit yang tersalurkan bisa cepat disbursed to proliferate with measurable risk.
tumbuh dengan risiko terukur.
9. Memberikan kredit program kepemilikan 9. Providing loans to traders for the ownership
ruang berdagang kepada para pedagang di of trading spots in a rejuvenated or revitalized
pasar yang dilakukan peremajaan/revitalisasi market, considering that the bank made the
pasar, mengingat akuisisi bisa lebih cepat acquisition faster as it offered the loans to
karena sifatnya berkelompok di pasar tersebut. groups of traders.
10. Menyalurkan kredit melalui sistem online, yaitu 10. Distributing productive loans to MSMEs
Smart Lending Platform (SLP) khusus kredit through an online system named the Smart
produktif ke UMKM. Lending Platform (SLP).
11. Monitoring produktivitas tenaga pemasaran 11. Monitoring the productivity of marketing
di setiap cabang, lakukan sales coaching dan personnel in each branch office, and conducting
sales clinic. sales coaching and sales clinic.
B. Segmen Pelanggan (Consumer) B. Consumer Segment
Penyaluran kredit pada segmen usaha consumer Loan disbursement to the consumer business
menghadapi tantangan pada kondisi makro dan segment faced challenges in macro and
mikro perekonomian yang berdampak terhadap microeconomic conditions with an impact on
kualitas kredit. Dalam menghadapi kondisi credit quality. Against this backdrop, the focus and
tersebut, fokus dan strategi yang diterapkan adalah: strategies applied were:
1. Menyalurkan kredit secara selektif dan penuh 1. Disbursing loans selectively and prudently;
kehati-hatian.
2. Melakukan restrukturisasi kredit terhadap 2. Restructuring loans for debtors affected by
debitur yang terdampak COVID-19. COVID-19;
3. Menjalin kerja sama dengan P2P lending dalam 3. Collaborating with P2P lending in disbursing
menyalurkan kredit program bantuan/benefit assistance/benefit loans from anchor
dari perusahaan anchor, misalnya misalnya companies, such as providing loans to anchor
memberikan pinjaman kepada karyawan- company employees affected by salary cuts
karyawan perusahaan anchor yang terkena during the pandemic.
pemotongan gaji selama pandemi.
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C. Segmen Usaha, Kecil, dan Menengah (UKM) C. SME Segment
Pandemi COVID-19 khususnya sampai dengan The COVID-19 pandemic, particularly until the
triwulan ke-3 tahun 2021 menyebabkan penurunan third quarter of 2021, caused a decline in people’s
kemampuan daya beli masyarakat, terganggunya purchasing power and disrupted the supply and
pasokan dan tingkat permintaan barang yang demand for goods, which impacted lending to the
berdampak pada penyaluran kredit segmen Retail. retail segment. Therefore, the focus and strategies
Fokus dan strategi yang diterapkan untuk segmen applied to the retail segment were:
retail adalah:
1. Merestrukturisasi kredit debitur yang 1. Restructuring loans for debtors affected by the
terdampak wabah COVID-19. COVID-19.
2. Fokus pada pada produk-produk dengan 2. Focusing on products with a low-risk level,
tingkat risiko rendah seperti back to back, such as back to back, collateral expansion, and
perluasan agunan, Supply Chain Financing. supply chain financing.
3. Pemantauan berkala berkoordinasi dengan 3. Carrying out periodic monitoring, in
cabang untuk mengelola debitur tidak coordination with branch offices, to manage
terdampak COVID-19 maupun update debtors who were not affected by COVID-19 and
kondisi debitur restrukturisasi terdampak update the condition of restructured debtors
COVID-19, apakah masih diperlukan tambahan affected by COVID-19 to find out whether they
penanganan kredit agar kualitas kredit tetap still needed an additional loan to maintain their
terjaga. credit quality;
4. Pemantauan berkala melalui koordinasi dengan 4. In coordination with relevant units, periodically
unit terkait terhadap fungsi Early Warning, monitoring the early warning function,
meliputi call report bulanan, 3 bulanan serta including monthly and quarterly call reports
penanganan DPD sebagai langkah monitoring and the handling of DPD as a measure to
kualitas kredit secara keseluruhan, sehingga monitor the overall credit quality to handle
dapat melakukan penanganan secara cepat debtors affected by COVID-19 quickly.
termasuk debitur yang terkena dampak
COVID-19.
D. Segmen Korporat D. Corporate Segment
Pandemi COVID-19 juga menjadi tantangan The COVID-19 pandemic was also a big challenge
besar untuk penyaluran kredit segmen korporat. for the corporate segment lending. The decline in
Turunnya daya beli masyarakat yang menyebabkan people’s purchasing power caused a decrease in
tingkat penyerapan produk menipis membuat product absorption and thereby made business
pelaku usaha gulung tikar karena ketidakmampuan owners out of business due to their inability to
membiayai operasional usahanya. Fokus dan finance their operations. Therefore, the focus and
strategi yang diterapkan untuk segmen korporat strategies applied to the corporate segment were:
adalah:
1. Memberikan relaksasi kredit kepada debitur 1. Providing credit relaxation to debtors affected
yang terdampak pandemi agar tetap bisa by the pandemic to enable them to continue to
memenuhi kewajiban ke Bank. fulfil their obligations to the Bank.
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2. Mendorong proses seleksi kredit Korporasi 2. Encouraging more stringent corporate

Bank lebih ketat melalui analisa kredit yang credit selection processes through in-depth
mendalam serta proses pemantauan nasabah credit analysis and more intensive customer
secara lebih intensif demi menjaga kualitas monitoring processes to maintain credit quality.
kredit.
E. Segmen Komersial E. Commercial Segment
Pandemi COVID-19 menyebabkan beberapa The COVID-19 pandemic caused several businesses
usaha/industri yang terdampak COVID-19 masih and industries to be unable to expand their
belum dapat melakukan ekspansi usaha secara business optimally due to uncertainty in economic
maksimal dikarenakan kondisi ekonomi yang conditions and disruption of supply and demand
masih tidak pasti serta terganggunya pasokan for goods, impacting lending to the commercial
dan tingkat permintaan barang yang berdampak segment. Therefore, the focus and strategies
pada penyaluran kredit segmen komersial. Fokus applied to the commercial segment were:
dan strategi yang diterapkan untuk segmen
commercial adalah:
1. Merestrukturisasi kredit debitur yang 1. Restructuring loans for debtors affected by
terdampak wabah COVID-19. COVID-19.
2. Pemantauan berkala untuk mengelola debitur 2. Carrying out periodic monitoring to manage
tidak terdampak COVID-19 maupun update debtors who were not affected by COVID-19 and
kondisi debitur restrukturisasi terdampak to update the condition of restructured debtors
COVID-19, untuk memastikan penanganan affected by COVID-19 to ensure that their
kredit dilakukan dengan baik agar kualitas credit was appropriately handled to maintain
kredit tetap terjaga. Adapun pemantauan their credit quality. The periodic monitoring
berkala untuk debitur existing meliputi: call of existing debtors included monthly and
report bulanan, 3 bulanan serta penanganan quarterly call reports and the handling of DPD
DPD sebagai langkah monitoring kualitas as a measure to monitor the overall credit
kredit secara keseluruhan. quality.
3. Mendorong proses seleksi kredit commercial 3. Encouraging more stringent commercial credit
Bank lebih ketat melalui analisa kredit yang selection processes through in-depth credit
mendalam serta mengutamakan pemberian analysis and prioritizing lending with low risk,
kredit dengan risiko rendah yaitu kredit jaminan including cash guarantee (back to back or
tunai (back to back/ perluasan agunan). collateral expansion) loans.
RENCANA STRATEGIS 2022 STRATEGIC PLAN FOR 2022
Untuk usaha penyaluran kredit, Bank Sinarmas Bank Sinarmas has prepared a strategic plan for
telah menyiapkan rencana strategis yang akan lending for implementation in the 2022 financial
diterapkan pada tahun buku 2022. Rinciannya year. The following table provides you with the
disampaikan melalui uraian berikut: details.
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RENCANA STRATEGIS 2022

Strategic Plan for 2022
Segmen Nasabah Uraian Program

Customer Segment Program Description
Mikro 1. Tetap fokus pada kredit produktif untuk pelaku usaha UMKM.
Micro Segment Still focusing on productive loans for MSMEs.
2. Memaksimalkan kredit-kredit program dan partnership dengan perusahan peer to peer
lending untuk memperluas cakupan pemasaran dan mempercepat proses akusisi.
Maximizing program lending and partnerships with peer-to-peer lending companies to expand
marketing coverage and speed up acquisition processes.
3. Monitoring produktivitas penjualan dalam penyaluran kredit kepada UMKM.
Monitoring the productivity of sales in lending to MSMEs.
4. Tetap berkomunikasi dengan nasabah existing sebagai bagian dari program monitoring dan
early warning berkenaan dengan kolektibilitas.
Continuing to communicate with existing customers as part of the monitoring and early
warning program in connection with collectability.
5. Memantau kondisi dan perkembangan dampak COVID-19 terhadap perekonomian Indonesia.
Monitoring conditions and developments of the impact of COVID-19 on the Indonesian economy.
Consumer 1. Fokus pada produk KTA Payroll dan KPR.

Consumer Focusing on KTA Payroll and KMG products.
Segment 2. Melakukan otomatisasi produk-produk consumer loan, mulai dari kartu kredit, KTA payroll, KPR, dan
lainnya.
Automating consumer loan products, from credit cards, KTA payroll, and others.
3. Menerbitkan produk baru “paylater” untuk menjawab kebutuhan nasabah dalam berbelanja
dengan mudah dan cepat.
Publishing a new product named “paylater” to answer customer needs in shopping easily and
quickly.
4. Melakukan kolaborasi atau partnership, baik dengan P2P lending, e-commerce, maupun
perusahaan fintech lainnya.
Establishing collaboration or partnerships, with P2P lending, e-commerce, or other fintech
companies.
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Segmen Nasabah Uraian Program

Customer Segment Program Description
SME 1. Fokus penyaluran kredit dengan kredit jaminan tunai selama masa pandemi sampai dengan
SME Segment stabilitas perekonomian mulai berjalan normal/recovery.
Focusing on lending with cash guarantees during the pandemi period until economic stability
begins to run normally (recovery).
2. Pemantauan kredit berkala kepada nasabah-nasabah existing sebagai bagian dari monitoring
dan early warning.
Periodic credit monitoring on existing customers as part of monitoring and early warning.
3. Mengikuti kondisi dan perkembangan dampak wabah COVID-19 terhadap perekonomian di
Indonesia.
Following the conditions and developments of the impact of the COVID-19 outbreak on the
economy in Indonesia.
4. Pemberian relaksasi kredit sesuai perpanjangan stimulus COVID-19 pada POJK 48/3/2020.
Providing credit relaxation in accordance with the COVID-19 stimulus extension at POJK
48/3/2020.
Korporat 1. Meningkatkan fungsi early warning system (EWS) terhadap debitur korporasi yang berpotensi
Corporate Segment menjadi bermasalah dan berkoordinasi dengan unit bisnis untuk segera mengambil tindakan
(close monitoring) terhadap kinerja usaha debitur dan kelangsungan pembayaran kewajiban
kepada Bank.
Improving the early warning system (EWS) function for corporate debtors with the potential
for non-performing and coordinating with business units to take immediate action (close
monitoring) on debtors’ business performance and the continuity of obligatory payment to the
Bank.
2. Penyempurnaan ketentuan perkreditan sesuai dengan ketentuan terbaru dari regulator dan
perkembangan bisnis perkreditan korporasi dengan tetap memperhatikan prinsip kehati-
hatian dan risk appetite Bank Sinarmas.
Updating credit regulations in accordance with the latest regulations from the regulator and
the development of the corporate lending business while still takinginto account the prudential
principles and risk appetite of Bank Sinarmas.
Commercial 1. Meningkatkan eksposur kredit segmen Commercial dengan fokus penyaluran kredit dengan
Commercial kredit jaminan tunai selama masa pandemi sampai dengan stabilitas perekonomian mulai berjalan
Segment normal/recovery. Selain itu juga penyaluran kredit berupa Supply Chain Financing yang memiliki
kuailitas baik selama berjalan. Sektor Industri yang diutamakan antara lain perdagangan besar
dan eceran, logistik, komunikasi, kesehatan, serta ekspor impor.
Increasing credit exposure in the commercial segment with a focus on lending with cash
collateral loans during the pandemic until economic stability begins to run normally/recover,
in addition to disbursing credit in the form of supply chain financing which has good quality
during its course. The industrial sectors that are prioritized include wholesale and retail trade,
logistics, communication, health, and export and import.
2. Melakukan mitigasi atas penurunan kualitas kredit debitur dengan upaya dilakukannya pre-
checking performance new debitur melalui Principal (prelimenary checking) sebagai acuan
awal pemberian kredit, serta melakukan monitoring secara berkala terhadap perkembangan
usaha debitur serta pemenuhan syarat/covenants kredit.
Mitigating the decline in credit quality by pre-checking the performance of new debtors
through Principal (prelimenary checking) as an initial reference for lending, and conducting
regular monitoring of debtors’ business developments and fulfillment of credit conditions/
covenants.
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Sepanjang tahun 2021, penyaluran dana kepada Throughout 2021, the loans disbursement to customers
nasabah dalam bentuk kredit sebesar Rp12.652 miliar. was Rp12,652 billion. Compared to 2020 which reached
Dibandingkan dengan tahun 2020 yang mencapai Rp15,360 billion, there was a decrease of 17.63%. The
Rp15,360 miliar, terjadi penurunan 17,63%. Penurunan decline occurred in all credit types, namely working
terjadi di semua jenis penggunaan kredit, yaitu kredit capital credit, investment, and consumption, which
modal kerja, investasi, dan konsumsi yang masing- contracted 11.87%, 28.35% and 10.26%, respectively.
masing terkontraksi 11,87%, 28,35%, dan 10,26%.
Sejak awal 2020 hingga pertengahan 2021, Perseroan From early 2020 to mid-2021, the Company has
memang memperketat penyaluran kredit dan lebih tightened credit distribution and prefers to maintain
memilih untuk menjaga kualitas serta menyelesaikan quality, and resolve non-performing loans. In the
kredit-kredit bermasalah. Kredit mulai bertumbuh second semester of 2021, credit performance began
positif pada semester II tahun 2021. Namun to grow positively. However, this growth was not
pertumbuhan ini tidak tercermin pada portofolio reflected in the Company’s portfolio due to repayment
Perseroan karena pelunasan oleh debitur besar dan by large debtors and write-offs.
hapus buku.
KINERJA PENYALURAN DANA KONVENSIONAL (RP JUTA)

Distribution Performance of Conventional Funds (Rp Million)
Jenis Kredit 2021 2020 2019 Type of Loans
Modal Kerja 6.743.207 7.651.626 8.936.426 Working Capital
Investasi 3.997.833 5.579.444 6.543.401 Investment
Konsumsi 1.910.740 2.129.210 3.401.941 Consumption
Total 12.651.780 15.360.279 18.881.769 Total
KUALITAS PENYALURAN DANA KONVENSIONAL (%)

Distribution Quality of Conventional Funds (%)
Jenis Kredit 2021 2020 2019 Type of Loans
NPL Bruto 6,65 6,37 9,87 NPL Gross
NPL Neto 1,71 1,87 5,71 NPL Net
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TREASURY TREASURY
Bank Sinarmas merupakan Bank Devisa, dengan Bank Sinarmas is a foreign exchange bank focusing
fokus utama segmen usaha Treasury pada on the treasury business segment in foreign
kegiatan perdagangan valuta asing. Bank memiliki exchange trading activities. The Bank has superior
produk valuta asing unggulan plain vanilla, seperti plain vanilla foreign exchange products, including
today (TOD), tomorrow (TOM) dan SPOT, serta plain today (TOD), tomorrow (TOM) and SPOT, and plain
vanilla derivatives, seperti forward dan swap. vanilla derivatives, including forward and swap.
Pada tahun 2021, segmen usaha Treasury In 2021, the treasury business segment introduced
memperkenalkan produk Domestic Non- the ‘Domestic Non-Deliverable Forward (DNDF)’
Deliverable Forward (DNDF). product.
Perkembangan transaksi valas di dunia perbankan The development of foreign exchange transactions
makin berkembang dan bervariasi. Sebagai respon in the banking world is growing and varied. As a
dan langkah awal perluasan bisnis valas, Divisi response and initial step in expanding the foreign
Treasury Sales mengembangkan mekanisme exchange business, the Treasury Sales Division
pelayanan transaksi valas baru, yakni Order Dealing developed a new foreign exchange transaction
Automated (ODA) khusus untuk mata uang dari mechanism called the Order Dealing Automated
negara-negara G-7 bagi nasabah retail. (ODA) specifically for currencies from G-7 countries
for retail customers.
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Tahun 2021 masih diwarnai dengan kebijakan The year 2021 was still marked by the government’s
pembatasan aktivitas di luar rumah oleh pemerintah policy of restricting activities outside the home due
sebagai dampak terjadinya gelombang ke-2 to the second wave of the COVID-19 pandemic. It had
pandemi COVID-19. Hal ini berdampak langsung a direct impact on the volume of foreign exchange
pada volume transaksi valas. Tingginya volatilitas transactions. In addition, the high volatility and the
dan kecenderungan rupiah yang melemah tendency of the rupiah to weaken made customers
membuat nasabah menunda transaksi valas, delay foreign exchange transactions and prefer to
karena lebih mengarah kepada “wait and see”. “wait and see.”
Dalam kondisi seperti itu, Bank merealisasikan Under such conditions, the Bank implemented
sejumlah strategi dalam rangka menjaga kinerja several strategies to maintain stable treasury
treasury agar tetap stabil yang di antaranya adalah: performance, including:
1. Memberikan edukasi serta memberikan 1. Providing education and positive views to
pandangan yang positif kepada para nasabah customers and businesses according to the
dan pelaku bisnis sesuai dengan arahan direction of the regulator.
regulator.
2. Menginisiasi produk valuta asing tambahan 2. Initiating additional foreign exchange products
untuk memberikan pelayanan optimal bagi to provide optimal services for the corporate
kelompok usaha korporasi maupun retail. and retail segments.
3. Memaksimalkan ekosistem Sinarmas Financial 3. Maximizing the Sinarmas Financial Services
Services yang cukup baik dalam menunjang ecosystem, which was quite good in supporting
penambahan nasabah agar volume transaksi additional customers to maintain foreign
valuta asing dapat terjaga mendekati rata-rata exchange transaction volume close to the
volume transaksi selama 5 (lima) tahun terakhir. average transaction volume for the last five
years.
Meskipun demikian, Indonesia mampu mencatat Nonetheless, Indonesia recorded positive growth
pertumbuhan positif pada triwulan ke-3 tahun 2021. in the third quarter of 2021. The implementation
Pelaksanaan vaksinasi tahap I dan II yang sudah of phase I and II vaccinations, which had reached
menjangkau 73% dan 52% target sasaran vaksinasi 73% and 52% of the national vaccination target until
nasional sampai dengan pertengahan Desember mid-December 2021, was considered effective in
2021 dinilai efektif mencegah penyebaran preventing the spread of COVID-19 and indirectly
COVID-19, yang secara tidak langsung mendukung supporting the national economic recovery.
pemulihan ekonomi nasional.
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Divisi Treasury Bank telah menyiapkan sejumlah The Bank’s Treasury Division has prepared the
strategi untuk memasuki tahun 2022 sebagai following strategies for adoption in 2022:
berikut:
1. Memperkenalkan mekanisme transaksi valuta 1. Introducing the TOD foreign exchange
asing TOD dengan escrow account bagi transaction mechanism with an escrow account
nasabah terpilih (prime customer). for selected customers (prime customers);
2. Memperkenalkan produk FX DNDF bagi 2. Introducing the FX DNDF to the corporate
kelompok usaha korporasi. segment;
3. Menambah positive covenant (loan bundling) 3. Adding a positive covenant (loan bundling)
berupa minimum transaksi valas debitur in which the minimum foreign exchange
dengan Bank Sinarmas adalah sebesar 25% transaction of a debtor with Bank Sinarmas is
dari total fasilitas kredit yang didapatkan. 25% of the total credit facility obtained;
4. Memperkenalkan mekanisme transaksi Order 4. Introducing the Order Dealing Automated
Dealing Automated (ODA) yang diperuntukkan (ODA) transaction mechanism for currencies
bagi nasabah retail untuk mata uang dari from G-7 countries to retail customers;
negara-negara G-7.
5. Mengembangkan dan memperkenalkan Local 5. Developing and introducing local currency
Currency Settlement. settlement;
6. Persiapan Produk Derivatif dasar. 6. Preparing basic derivative products.
Hingga berakhirnya tahun buku 2021, segmen Until the end of the 2021 financial year, the Treasury
usaha Treasury mencatatkan fee based income business segment recorded Rp241.2 billion in fee-
Rp241,2 miliar. Dibandingkan tahun 2020, ada based income. Compared to the total fee-based
penurunan sebesar 48,48% (yoy), yaitu dari Rp468,2 income in 2020, there was a 48.48% (YoY) decrease
miliar menjadi Rp241,2 miliar. from Rp468.2 billion to Rp241.2 billion.
KINERJA SEGMEN TREASURY BERDASARKAN PRODUK (RP JUTA)

Treasury Segment Performance by Product (Rp Million)
Uraian 2021 2020 2019 Description
Treasury Sales 25.842 34.968 20.439 Treasury Sales
FX Trading 37.524 60.909 31.195 FX Trading
Fixed Income 177.855 372.347 20.202 Fixed Income
Syariah 96 221 330 Sharia
Total 241.317 468.445 72.167 Total
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EKSPOR-IMPOR EXPORT-IMPORT
Bank Sinarmas memiliki sejumlah produk Bank Sinarmas has export financing products,
pembiayaan perdagangan ekspor, di antaranya including Letters of Credit, Domestic Letters of
Letter of Credit, Surat Kredit Berdokumen Dalam Credit (DLC), and Export Bills Collection (DP & DA).
Negeri (SKBDN), serta Export Bills Collection (DP & In addition, the Bank also provides financing for
DA). Selain itu, Bank juga menyediakan pembiayaan working capital in the form of post-export funding,
yang dapat digunakan sebagai modal kerja dalam such as discounts and negotiations. Bank Sinarmas
bentuk post export financing seperti diskonto export financing products have several advantages,
dan negosiasi. Produk pembiayaan ekspor Bank including:
Sinarmas memiliki beberapa keunggulan, antara
lain:
1. Layanan transaksi ekspor dilakukan melalui 1. Export transaction services are carried out
Society for Worldwide Interbank Financial through the Society for Worldwide Interbank
Telecommunication (SWIFT), sehingga proses Financial Telecommunication (SWIFT) which
penerimaan dan penerusan instrumen L/C- makes receiving and forwarding L/C and DLC
SKBDN berlangsung dengan aman dan relatif safe and relatively fast.
lebih cepat.
2. Bank telah memiliki kerja sama yang baik 2. The Bank has good cooperation with trusted
dengan bank korespondensi terpercaya correspondence banks in business cities
di kota-kota bisnis di seluruh dunia untuk worldwide to facilitate transaction processes.
memperlancar proses transaksi.
Pertumbuhan ekonomi Indonesia tahun 2021 Indonesia’s economic growth in 2021 provided
memberikan peluang bagi bisnis pembiayaan opportunities for export financing business. The
ekspor. Bank tetap menerapkan prinsip kehati- Bank applied the principle of prudence and was
hatian dan selektif dalam melakukan pembiayaan selective in conducting export financing amidst the
ekspor di tengah tantangan pandemi global global COVID-19 pandemic challenge. Anticipatory
COVID-19. Tindakan antisipatif dalam menjalankan actions to carry out intermediation were still the
fungsi intermediasi tetap menjadi fokus perhatian focus of the Bank’s attention.
Bank.
Fokus dan strategi yang dijalankan oleh Bank The focus and strategies carried out by the Bank in
selama tahun 2021 adalah: 2021 were:
1. Selektif dalam menyalurkan pembiayaan. 1. Being selective in disbursing financing;
2. Memantau lebih intensif atas kondisi pasar 2. Monitoring market and customer business
dan bisnis nasabah selama masa pandemi conditions more intensively during the
agar dapat menyiapkan tindakan preventif. pandemic to prepare preventive actions.
3. Melakukan pendekatan kepada cabang- 3. Approaching branch offices that had export
cabang yang memiliki nasabah transaksi transaction customers to mitigate risk.
ekspor, sebagai bagian dari upaya mitigasi risiko.
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BANK 2021
4. Memberikan rate dan service yang kompetitif, 4. Providing competitive rates and services
sehingga nasabah merasa nyaman to make customers feel comfortable
untuk bertransaksi di Bank Sinarmas. transacting at Bank Sinarmas.
5. Mengembangkan bisnis ekspor 5. Developing export business in the
ke segmen UKM dan komersial. SME and commercial segments.
6. Pengembangan produk-produk yang 6. Making existing products more competitive.
sudah ada agar lebih kompetitif.
7. Mendorong nasabah korporat untuk 7. Encouraging corporate customers
meningkatkan transaksi perdagangan. to increase trade transactions. This is
Hal itu didukung oleh layanan dan supported by services and other competitive
keunggulan kompetitif lain yang advantages provided to customers.
akan diberikan kepada nasabah.
Bank Sinarmas optimis dalam menghadapi tahun Bank Sinarmas is optimistic about facing the 2022
buku 2022. Sejumlah rencana strategis telah financial year. Accordingly, the Bank has prepared
disiapkan Bank, di antaranya adalah: a strategic plan which includes:
1. Terus mendukung dan mengembangkan 1. Continuing to support and develop the SME and
bisnis ekspor produk lokal pada segmen UKM commercial segments’ business of exporting
dan komersial. local products.
2. Pengembangan produk-produk yang sudah 2. Making existing products more competitive.
ada agar lebih kompetitif.
3. Mendorong nasabah korporat untuk 3. Encouraging corporate customers to increase
meningkatkan transaksi perdagangan dengan trade transactions with service support and
dukungan layanan dan keunggulan kompetitif more competitive advantages for customers.
lebih kepada nasabah.
Seiring dengan pemulihan ekonomi nasional yang In line with the national economic recovery, which
mulai terlihat efektivitasnya pada semester II tahun began to show effectiveness in the second semester
2021, beberapa sektor mulai terlihat mengalami of 2021, several sectors started to improve. However,
peningkatan. Namun, adanya kondisi pandemi due to the ongoing pandemic conditions, Bank
yang masih berkelanjutan membuat Bank Sinarmas continues to apply the precautionary
Sinarmas tetap menerapkan prinsip kehati-hatian principle by being selective in providing financing.
dengan selektif dalam memberikan pembiayaan.
Total pendapatan ekspor di tahun 2021 sebesar Rp5,02 Until the end of 2021, the total export revenue was
miliar, atau menurun 79,58% dibandingkan dengan Rp5.02 billion, which decreased by 79.58% compared
perolehan tahun 2020 yang sebesar Rp24,61 miliar. to export revenue in 2020, which was Rp24.61 billion.
Total pendapatan fee based income export di tahun On the other hand, the total fee-based income
2021 meningkat 52,57% menjadi sebesar Rp3,74 miliar. export in 2021 increased by 52.57% to Rp3.74 billion,
Pendapatan impor (FBI) di tahun 2021 tercatat sebesar while import income (FBI) in 2021 was Rp7.55 billion,
Rp7,55 miliar, atau mengalami peningkatan sebesar which was an increase of 26.25% compared to the
26,25% dibandingkan dengan jumlah pendapatan total import income in 2020, which was Rp5.98 billion.
impor di tahun 2020 yang sebesar Rp5,98 miliar.
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UNIT USAHA SYARIAH SHARIA BUSINESS UNIT
Kinerja Unit Usaha Syariah (UUS) pada tahun The Sharia Business Unit’s (SBU) performance
2021 menunjukkan pertumbuhan yang sangat in 2021 showed outstanding growth due to
baik dikarenakan sejumlah strategi dan langkah several strategies and anticipatory measures
antisipatif yang efektif di sepanjang tahun. that were effective throughout the year.
Dalam kondisi pandemi COVID-19 yang masih The ongoing COVID-19 pandemic suppressed the
berlangsung menekan kinerja perekonomian performance of the national economy and banking
dan industri perbankan nasional, Unit Usaha industry. The Sharia Business Unit (SBU) of Bank
Syariah (UUS) Bank Sinarmas mengambil Sinarmas took strategic steps that focused on:
langkah strategi yang berfokus pada:
1. Pembiayaan dengan tingkat risiko rendah dan 1. Low risk and manageable financing.
dapat dikelola.
2. Menjaga kecukupan pencadangan sebagai 2. Adequate reserves for risk mitigation in the
bentuk mitigasi risiko bila terdapat pemburukan event of a deterioration in the quality of funding.
kualitas pembiayaan.
3. Melakukan restrukturisasi kredit kepada 3. Credit restructuring for debtors affected by the
debitur terdampak pandemi sesuai ketentuan pandemic according to the regulator and Bank
regulator dan internal Bank. regulations.
Statistik Perbankan Syariah (SPS) secara nasional The National Sharia Banking Statistics (SPS) shows a
menunjukkan perkembangan Bank Syariah yang remarkable growth of Islamic banks. It is inseparable
sangat baik. Hal ini tidak lepas dari tingginya from the strong support from the government and
dukungan pemerintah dan regulator terhadap regulators for Islamic banking. Bank Sinarmas is
perbankan syariah. Bank Sinarmas memiliki optimistic about the sharia segment growth by
optimisme terhadap perkembangan segmen implementing the right strategies and utilizing the
Syariah dengan penerapan strategi dan sumber right resources. The strategies adopted to boost
daya yang tepat. Strategi untuk meningkatkan the SBU business growth in 2022 are as follows:
pertumbuhan bisnis UUS pada tahun 2022.
1. Meningkatkan fokus pembiayaan supply chain 1. Increasing the focus of supply chain financing
financing pada segmen komersial. on the commercial segment.
2. Mengembangkan platform proses end to end 2. Developing an end-to-end financing platform
pembiayaan untuk efisiensi dan pengukuran for efficiency and risk-level measurement.
tingkat risiko.
3. Mendukung pembiayaan Kredit Usaha Rakyat 3. Supporting the People’s Business Credit (KUR)
(KUR) sebagai bagian program pemerintah as part of the government’s program for the
melakukan Pemulihan Ekonomi Nasional national economic recovery (PEN).
(PEN).
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BANK 2021
4. Melakukan kerja sama chanelling dengan 4. Conducting channeling cooperation with

perusahaan pembiayaan. financing companies.
5. Melakukan peningkatan dana pihak ketiga 5. Increasing third-party funds by creating
dengan menciptakan produk dan program products and programs that vary according
yang bervariasi sesuai dengan kebutuhan dan to customer needs and interests, one of which
minat nasabah, salah satunya produk dan is products and programs related to Hajj
program yang berkaitan dengan haji, sesuai according to the Bank’s capacity as a recipient
kapasitas Bank sebagai Bank Penerima Setoran bank for Hajj fees (BPS BPIH).
Biaya Penyelenggaraan Biaya Haji (BPS BPIH).
6. Mengembangkan sistem dan teknologi untuk 6. Developing systems and technology to support
mendukung operasional serta meningkatkan operations and improve sharia service features
fitur layanan syariah pada layanan m-banking in the SimobiPlus mobile banking.
Simobiplus.
7. Meningkatkan kapasitas organisasi dan 7. Building organizational capacity and the
Sumber Daya Insani (SDI) UUS melalui strategi: capacity of SBU human resources through the
following approaches:
• Penguatan struktur dengan penambahan • Strengthening the structure by adding
unit-unit kerja yang mendukung work units to support SBU business
perkembangan bisnis UUS dengan development through better governance
penerapan tata kelola dan operasional and operations;
yang lebih baik.
• Penempatan SDI pada posisi-posisi • Placing human resources in strategic
strategis sesuai kompetensinya. positions according to their competence;
• Peningkatan kapabilitas dengan • Improving capability with continuous
pendidikan dan pelatihan berkelanjutan education and training related to financing,
yang terkait aktivitas pembiayaan, funding, and operational activities, and
pendanaan, maupun operasional, serta providing basic Islamic banking education
penyelenggaraan Pendidikan Dasar required for all sharia human resources.
Perbankan Syariah yang diwajibkan untuk
seluruh SDI Syariah.
Pada tahun 2021, UUS membukukan aset sebesar In 2021, SBU recorded assets of Rp7,383 billion, an
Rp7.383 miliar atau meningkat sebesar 6,95% increase of 6.95% compared to the value of assets in
dibandingkan nilai aset tahun 2020 sebesar 2020, which was Rp6,903 billion. The largest share
Rp6.903 miliar. Komposisi aset terbesar pada pos of the asset composition is the financing post,
pembiayaan dengan total Rp5.709 triliun atau 1,18% with Rp5,709 billion or 1.18% of the total assets. The
dari total aset. Pos pembiayaan tersebut meningkat financing post increased by 1.26% compared to the
1,26% dibandingkan posisi tahun 2020 yang sebesar position in 2020 which was Rp5.6 trillion.
Rp5,6 triliun.
Meskipun dalam kondisi pandemi COVID-19, Despite the COVID-19 pandemic, SBU could still
UUS tetap dapat meningkatkan pertumbuhan grow its financing business to reach Rp5.7 trillion.
bisnis pembiayaan hingga mencapai Rp5,7 However, the growth was not significant, only 2%
triliun, walaupun pertumbuhan pembiayaan compared to the total amount of the financing
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tidak signifikan, yaitu sebesar 2%, dibandingkan business in the previous year, which was Rp5.6
tahun sebelumnya yang sebesar Rp5,6 triliun. trillion. However, SBU was able to manage the
Namun secara kualitas pembiayaan, UUS financing quality well. As a result, the gross and
mampu mengelola pembiayaan dengan baik. net ratios of non-performing finance (NPF) as of
Rasio pembiayaan bermasalah (Non-Performing December 2021 were 0.20% and 0.01%, respectively,
Finance/NPF) gross dan nett per Desember an improvement compared to its position in 2020
2021 masing-masing sebesar 0,20% dan 0,01%, with NPF ratios of 0.33% and 0.08%.
mengalami perbaikan dibanding posisi tahun 2020
dengan NPF sebesar 0,33% dan 0,08%.
UUS juga menunjukkan pertumbuhan yang SBU also showed incredible growth in terms of
sangat baik dari sisi pendanaan. Total Dana funding. The total amount of third-party funds as
Pihak Ketiga (DPK) per Desember 2021 sebesar of December 2021 was Rp6,791 billion, an increase
Rp6.791 miliar atau meningkat sebesar 9,88% of 9.88% compared to its position in 2018, which
dibandingkan posisi 2020 yang sebesar Rp6.181 was Rp6,181 billion. The largest increase was in the
miliar. Peningkatan terbesar terdapat pada produk Time Deposit product, which also dominated the
Deposito yang juga mendominasi komposisi DPK composition of UUS deposits. However, the Current
UUS. Namun demikian, Current Account Savings Account Savings Account (CASA), which consists of
Account (CASA) yang terdiri dari Giro dan Tabungan current and savings accounts, increased by 152.52%
juga mengalami peningkatan sebesar 152,52% compared to 2020.
dibandingkan posisi 2020.
Dengan bertumbuhnya Pembiayaan dan Dana With the growth of financing and third-party funds,
Pihak Ketiga tersebut, maka rasio FDR (Financing the Bank managed the Financing-to-Deposit
to Deposit Ratio) UUS per Desember 2021 terkelola (FDR) ratio of SBU as of December 2021 at 84.07%,
di angka 84,07%, membaik dibandingkan posisi an improvement compared to the position in
Desember 2020 yang sebesar 90,97%. December 2020, which was 90.97%.
Secara keseluruhan kinerja UUS sepanjang tahun SBU’s overall performance throughout 2021 is
2021 dapat dilihat dari laba sebelum pajak sebesar evident from the Rp111 billion in profit before tax.
Rp111 miliar. Nilai ini mengalami peningkatan This amount increased by 78.20% compared to
78,20% dibandingkan posisi tahun 2020 sebesar Rp63 billion in 2020.
Rp63 miliar.
KINERJA SEGMEN UNIT USAHA SYARIAH (RP JUTA, KECUALI DINYATAKAN LAIN)
Performance of the Sharia Business Unit(Rp Million, unless otherwise stated)
Uraian 2021 2020 2019 Description
Aset 7.382.777 6.903.015 5.201.374 Assets
Pembiayaan 5.709.491 5.622.533 4.302.470 Financing
Simpanan dan Dana Savings, and Temporary

6.791.300 6.180.903 3.780.166
Syirkah Temporer Syirkah Funds
Laba Sebelum Pajak 111.459 62.548 39.367 Profit before Tax
Non-Performing (Gross) 0,20% 0,33% 2,96% Non-Performing (Gross)
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BANK 2021
KINERJA SIMPANAN UNIT USAHA SYARIAH (RP JUTA, KECUALI DINYATAKAN LAIN)
Sharia Business Unit’s Savings Performance (Rp Million, unless otherwise stated)

(Penurunan)
Keterangan Description
Nominal Komposisi Nominal Komposisi Growth
Amount Composition Amount Composition (Decrease)
Pihak Berelasi Related Party
Current Accounts-
Giro Wadiah 459 0,16% 344 0,18% 33,43%
Wadiah
Tabungan
271 0,10% 255 0,14% 6,27% Wadiah Savings
Wadiah
Jumlah 730 0,26% 599 0,32% 21,87% Total
Pihak Ketiga Third Party
Current Accounts-
Giro Wadiah 34.996 12,33% 22.898 12,16% 52,83%
Wadiah
Tabungan
248.211 87,42% 164.767 87,52% 50,64% Wadiah Savings
Wadiah
Jumlah 283.207 99,74% 187.665 99,68% 50,91% Total
Total 283.937 100,00% 188.264 100,00% 50,82% Total
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KINERJA SIMPANAN DANA SYIRKAH TEMPORER (RP JUTA, KECUALI DINYATAKAN LAIN)
Performance of the Temporary Syirkah Fund Deposits (Rp Million, unless otherwise stated)

(Penurunan)
Nominal Komposisi Nominal Komposisi Growth
Pihak Berelasi Related Party
Mudharabah
Giro
150.463 2,31% 7.828 0,13% 1.822,11% Demand
Mudharabah
Deposits
Tabungan Mudharabah
524.172 8,06% 637 0,01% 82.187,60%
Mudharabah Savings
Deposito
Mudharabah Time
Berjangka 335.176 5,15% 710.942 11,86% -52,85%
Deposit
Mudharabah
Jumlah 1.009.811 15,52% 719.407 12,00% 40,37% Total
Pihak Ketiga Third Party
Giro Mudharabah
Mudharabah 1.039.111 15,97% 448.203 7,48% 131,84% Demand
Mudharabah Deposits
Tabungan Mudharabah
743.152 11,42% 605.232 10,10% 22,79%
Mudharabah Savings
Deposito
Mudharabah Time
Berjangka 3.715.289 57,09% 4.219.797 70,42% -11,96%
Deposit
Mudharabah
Jumlah 5.497.552 84,48% 5.273.232 88,00% 4,25% Total
Grand Total 6.507.363 100,00% 5.992.639 100,00% 8,59% Grand Total
KINERJA DEPOSITO BERJANGKA MUDHARABAH

Mudharabah Time Deposit Performance

(Penurunan)
Description
Kurang dari 1
- 0,00% 617.200 12,52% -100,00% Less than 1 month
bulan
1 bulan 2.828.292 69,83% 2.293.785 46,52% 23,30% 1 month
3 bulan 484.895 11,97% 1.359.145 27,56% -64,32% 3 months
6 bulan 259.675 6,41% 260.501 5,28% -0,32% 6 months
12 bulan 477.603 11,79% 400.108 8,11% 19,37% 12 months
Total 4.050.465 100,00% 4.930.739 100,00% -17,85% Total
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BANK 2021
KREDIT DAN PEMBIAYAAN SYARIAH

Loan and Sharia Financing

(Penurunan)
Keterangan Nominal Komposisi Nominal Komposisi Growth Description
KONVENSIONAL CONVENTIONAL
Pihak Berelasi 401.988 2,24% 67.937 0,33% 491,71% Related Party
Pihak ketiga 12.216.683 68,13% 15.249.973 74,47% -19,89% Third Party
Jumlah 12.618.671 70,37% 15.317.910 74,80% -17,62% Total
SYARIAH SHARIA
Pihak Berelasi - 0,00% 3.183 0,02% -100,00% Related Party
Pihak ketiga 5.313.105 29,63% 5.156.199 25,18% 3,04% Third Party
Jumlah 5.313.105 29,63% 5.159.382 25,20% 2,98% Total
Total 17.931.776 100,00% 20.477.292 100,00% -12,43% Total
Cadangan Allowance for

kerugian (1.617.907) (1.598.919) 1,19% Impairment
penurunan nilai Losses
Jumlah Bersih 16.313.869 18.878.373 -13,58% Total – Net
PENYALURAN KREDIT DAN PEMBIAYAAN SYARIAH BERDASARKAN SEKTOR EKONOMI

Disbursement of Loan and Sharia Financing by Economic Sector
(Rp Juta, kecuali dinyatakan lain) | (Rp Million, unless otherwise stated)
Pertumbuhan
(Penurunan)
Sektor Ekonomi 2021 2020 Growth (Decrease) Economic Sector
Rp %
Perdagangan besar dan

7.053.065 7.077.046 (23.981) -0,34 Wholesale and retail
eceran
Rumah tangga 1.865.408 2.115.609 (250.201) -11,83 Household
Perantara keuangan 1.699.281 1.711.144 (11.863) -0,69 Financial intermediary
Transportasi, pergudangan, Transportation, warehousing,

1.334.888 1.256.252 78.636 6,26
dan komunikasi and communication
Industri pengolahan 1.623.491 2.769.126 (1.055.635) -39,40 Manufacturing
Real estate, usaha persewaan Real estate, leasing services,

1.227.562 1.953.102 (725.540) -37,15
dan jasa perusahaan and servicing companies
Pertanian, perburuan, dan Agriculture, hunting, and

1.454.881 1.737.673 (282.793) -16,27
kehutanan forestry
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Pertumbuhan
(Penurunan)
Sektor Ekonomi 2021 2020 Growth (Decrease) Economic Sector
Rp %
Penyediaan akomodasi dan Accommodation and food and

129.480 152.170 (22.690) -14,91
penyediaan makan minum beverages
Jasa kemasyarakatan, Community, socio-

sosial budaya, hiburan, dan 573.269 548.182 25.087 4,58 cultural,recreation, and other
perorangan lainnya individual services
Pertambangan dan
222.264 491.842 (269.578) -54,81 Mining and excavation
Penggalian
Konstruksi 149.663 168.170 (18.507) -11,00 Construction
Perikanan 17.342 18.004 (662) -3,68 Fisheries
Jasa kesehatan dan kegiatan Health and social activity

157.334 158.750 (1.416) -0,89
sosial services
Jasa perorangan yang

1.457 2.125 (668) -31,44 Individual household services
melayani rumah tangga
Listrik, gas, dan air 348.907 2.125 (20.677) -5,59 Electricity, gas, and water
Jasa Pendidikan 10.801 4.897 5.904 120,56 Educational services
Lain-lain 62.683 33.615 29.068 86,47 Others
Cadangan kerugian (1.617.907) (1.598.919) (18.988) 1,19 Allowance for impairment

penurunan nilai losses
Jumlah Bersih 16.313.869 18.878.373 (2.564.504) -13.58% Total - Net
PENYALURAN KREDIT DAN PEMBIAYAAN SYARIAH BERDASARKAN PERJANJIAN KONTRAKTUAL

Disbursement of Sharia Loans and Financing By Contractual Agreement
Pertumbuhan
(Penurunan)
2021 2020 Growth (Decrease)
Periode Perjanjian Kredit Loan Agreement Period
Rp %
Kurang dari atau sama dengan

4.190.578 4.924.695 (734.117) -14,91 1 year or less
1 tahun
Lebih dari 1-2 tahun 2.285.635 3.413.604 (1.127.969) -33,04 More than 1 year to 2 years
Lebih dari 2-5 tahun 6.118.612 6.287.473 (168.861) -2,69 More than 2 years to 5 years
Lebih dari 5 tahun 5.336.951 5.851.520 (514.569) -8,79 More than 5 years
Cadangan kerugian penurunan Allowance for impairment

(1.617.907) (1.598.919) (18.988) 1,19
nilai losses
Jumlah Bersih 16.313.869 18.878.373 (2.564.504) -13,58 Total – Net
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BANK 2021
TINJAUAN KEUANGAN KOMPREHENSIF

COMPREHENSIVE FINANCIAL OVERVIEW
Pembahasan tentang kinerja keuangan The comprehensive discussion on PT. Bank Sinarmas
komprehensif PT. Bank Sinarmas Tbk. (Bank) Tbk’s (the Bank) financial performance has been
disusun berdasarkan data-data keuangan sesuai prepared based on financial data according to the
dengan kaidah dalam Standar Akuntansi Keuangan Indonesian Financial Accounting Standards (SAK).
(SAK) Indonesia. Pembahasan ini mengacu pada This discussion refers to the financial statements
Laporan Keuangan untuk tanggal yang berakhir for the year ended on December 31, 2021 with
pada 31 Desember 2021 dengan penanggung jawab Ms. Yelly Warsono as the responsible person and
Ibu Yelly Warsono dan 31 Desember 2020 dengan 31 December 2020 with Ms. Maria Leckzinska as
penanggung jawab Ibu Maria Leckzinska. Laporan the responsible person. The financial statement
keuangan ini telah diaudit pada tanggal 25 Maret has been audited on 25 March 2022 by the Public
2022 oleh Kantor Akuntan Publik Mirawati Sensi Accounting Firm Mirawati Sensi Idris with an
Idris dengan opini audit wajar tanpa pengecualian. unqualified audit opinion.
LAPORAN POSISI KEUANGAN FINANCIAL STATEMENT
ASET ASSETS
Total aset Bank Sinarmas pada akhir tahun 2021 Bank Sinarmas recorded Rp52,672 billion in assets
mencapai Rp52.672 miliar, meningkat 18,07% at the end of 2021, which increased by 18.07% from
dibandingkan dengan akhir tahun 2020 yang sebesar Rp44,612 billion in assets in 2020. The growth of the
Rp44.612 miliar. Pertumbuhan aset Perseroan sejalan Company’s assets is in line with the total assets of
dengan total aset industri perbankan yang juga the banking industry which also recorded a growth
mencatatkan pertumbuhan sebesar 10,18%. of 10.18%.
Penempatan pada Bank lain dan Bank Indonesia Placements with other banks and Bank Indonesia
serta efek-efek yang meningkat sebesar Rp13.087 as well as securities, which increased by Rp13,087
miliar, menjadi pendorong utama kenaikan pada billion, were the main drivers of the increase in
total aset. Kenaikan pada pos-pos ini berkaitan erat total assets. The increase in these items was closely
dengan total simpanan dan simpanan dana syirkah related to total deposits and deposits of temporary
temporer yang bertumbuh sebesar Rp7.712 miliar syirkah funds which grew by Rp7,712 billion, while
sementara total kredit, dan aset ijarah serta efek total loans, and ijarah assets as well as securities
yang dibeli dengan janji dijual kembali berkurang purchased under agreements to resell decreased
sebesar Rp5.525 miliar. by Rp5,525 billion.
Total kredit dan aset ijarah turun Rp2.612 miliar dari Total loans and ijarah assets decreased by Rp2,612
akhir tahun 2020 dikarenakan menjelang akhir billion from the end of 2020 because towards the
tahun 2021 terdapat pelunasan beberapa debitur end of 2021, there were repayments of several
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2021 BANK
besar serta dilakukannya hapus buku. Penyaluran large debtors and write-offs were carried out. The
kredit yang meningkat pelan pada segmentasi slow increase in credit disbursement in the non-
diluar korporasi belum dapat menutupi penurunan corporate segment has not been able to cover
portofolio yang terjadi akibat pelunasan debitur the portfolio decline that occurred due to the
korporasi. repayment of corporate debtors.
PERKEMBANGAN KINERJA ASET

Assets Performance Development
Tahun Pertumbuhan (Penurunan)

Year Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Kas 571.425 629.712 (58.287) -9,26 Cash
Demand Deposits with

Giro pada Bank Indonesia 2.137.244 1.623.067 514.177 31,68
Bank Indonesia
Demand Deposits with

Giro pada Bank lain – Pihak
3.147.827 2.156.806 991.021 45,95 Other Banks – Third
Ketiga
Parties
Placements with Bank

Penempatan pada bank lain
9.592.917 1.905.318 7.687.599 403,48 Indonesia and Other
dan Bank Indonesia – Bersih
Banks
Efek-efek – bersih 14.582.531 9.183.303 5.399.228 58,79 Securities – net
Efek yang dibeli dengan janji Securities purchased

jual kembali bersih – Pihak 1.672.987 4.586.086 (2.913.099) -63,52 under agreements to
Ketiga resell-net – Third Parties
Kredit yang diberikan dan

piutang/ pembiayaan syariah 16.313.869 18.878.373 (2.564.504) -13,58 Loans – net
– bersih
Tagihan Akseptasi – bersih 247.165 153.577 93.588 60,94 Acceptance Receivables
Penyertaan Modal Temporary Equity

- 281.405 (281.405) -100,00
Sementara – Bersih Participation – Net
Pendapatan yang masih

315.777 243.768 72.009 29,54 Accrued Income
akan diterima
Biaya dibayar di muka 1.601.446 1.935.587 (334.141) -17,26 Prepaid Expenses
Aset tetap 1.540.865 1.584.298 (43.433) -2,74 Property and Equipment
Aset ijarah – bersih 396.386 463.152 (66.766) -14,42 Ijarah Assets – Net
Aset pajak tangguhan – bersih 64.120 54.930 9.190 16,73 Deferred Tax Assets – Net
Aset lain-lain – bersih 487.422 932.663 (445.241) -47,74 Other Assets – Net
Jumlah Aset 52.671.981 44.612.045 8.059.936 18,07 Total Assets
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BANK 2021
ASET PRODUKTIF EARNING ASSETS
Pada paruh pertama tahun 2021 pertumbuhan kredit In the first half of 2021, Bank Sinarmas’ credit and
dan pembiayaan Bank Sinarmas masih terkontraksi, financing growth was still contracting, and only
dan baru mulai bertumbuh positif pada paruh kedua. started to grow positively in the second half. However,
Namun pertumbuhan ini tidak dapat menutupi this growth cannot cover the repayment and write-off
pelunasan dan hapus buku di akhir tahun 2021. at the end of 2021. However, in line with the national
Untuk menjaga profitabilitas dari pendapatan bunga economic recovery, loan disbursement began to run
maka portofolio surat berharga atau efek-efek terus again in August 2021, in which outstanding lending
ditingkatkan sejak awal 2021. Bank mengalokasikan at the end of the month started to grow. Bank
dana ke aset-aset produktif lain yang berisiko rendah allocated funds for other earning assets that were
namun bersifat likuid dan memberikan yield yang low risk but liquid and still generated sufficient yields
cukup untuk menutupi cost of fund. Pada tahun to cover the cost of funds. The Bank’s earning assets
2021 aset produktif Bank mencapai Rp45.954 miliar, reached Rp45,954 billion in 2021, an increase of 22.19%
bertumbuh 22,19% dibandingkan tahun 2020 yang compared to the total earning assets in 2020, which
sebesar Rp37.608 miliar. was Rp37,608 billion.
URAIAN ASET PRODUKTIF

Breakdown of Earning Assets

Uraian Description
Nominal
2021 2020 %
Amount
Giro pada Bank lain – Demand Deposits with

3.147.827 2.156.806 991.021 45,95
Pihak Ketiga Other Banks – Third Parties
Penempatan pada bank Placements with Bank

lain dan Bank Indonesia- 9.592.917 1.905.318 7.687.599 403,48 Indonesia and
Bersih Other Banks – net
Efek-efek-bersih 14.582.531 9.183.303 5.399.228 58,79 Securities – net
Efek yang dibeli dengan Securities purchased under

janji jual kembali bersih– 1.672.987 4.586.086 (2.913.099) -63,52 agreements to resell - net -
Pihak Ketiga Third Parties
Kredit yang diberikan

dan piutang/pembiayaan 16.313.869 18.878.373 (2.564.504) -13,58 Loans - net
syariah – bersih
Tagihan Akseptasi – Acceptance

247.165 153.577 93.588 60,94
bersih Receivables - net
Penyertaan Modal Temporary Equity

- 281.405 (281.405) -100,00
Sementara – bersih Participation – net
Aset ijarah – bersih 396.386 463.152 (66.766) -14,42 Ijarah Assets – net
Jumlah Aset 45.953.682 37.608.020 8.345.662 22,19 Total Assets
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KAS CASH
Kas Bank terbagi atas kas utama, kas anjungan tunai The Bank has cash divided into main cash,
mandiri (ATM), dan cash deposit machine (CDM), automated teller machine (ATM) cash, cash deposit
serta kas kecil yang selalu diupayakan berada pada machine (CDM) cash, and petty cash, which it
level optimal guna mendukung aktivitas investasi continually strives to manage at an optimal level
maupun operasional bisnis Bank. Bank mencatat to support its investment activities and business
posisi kas tahun 2021 sebesar Rp571 miliar, operations. As a result, the Bank recorded Rp571
mengalami penurunan 9,26% dibandingkan tahun billion in cash in 2021, an decrease of 9.26%
sebelumnya yang sebesar Rp630 miliar. Bank selalu compared to Rp630 billion in the previous year. The
menjaga supaya posisi kas mampu memenuhi Bank always maintains that its cash amount can
kebutuhan likuiditas pada kantor-kantor dan ATM. meet liquidity needs at offices and ATMs.
GIRO PADA BANK INDONESIA DEMAND DEPOSITS WITH BANK INDONESIA
Seiring dengan pertumbuhan Dana Pihak Ketiga As the third-party funds grew, the total demand
(DPK), jumlah giro pada Bank Indonesia di tahun deposits with Bank Indonesia in 2021 reached
2021 mencapai Rp2.137 miliar, naik 31,68% dari Rp2,137 billion, which increased by 31.68% from
tahun 2020 yang sebesar Rp1.623 miliar. Bank Rp1,623 billion in 2020. The Bank always complies
senantiasa memenuhi ketentuan Bank Indonesia with Bank Indonesia (BI) regulations and maintains
(BI) dan menjaga GWM sesuai peraturan BI No. the minimum statutory reserve according to BI
23/16/PBI/2021 tentang Perubahan Ketiga atas Regulation No.23/16/PBI/2021 concerning the Third
Peraturan BI No. 20/3/PBI/2018 tentang Giro Wajib Amendment to BI Regulation No.20/3/PBI/2018
Minimum dalam Rupiah dan Valuta Asing bagi concerning Minimum Statutory Reserves in
Bank Umum Konvensional, Bank Umum Syariah, Rupiah and Foreign Currencies for Conventional
dan Unit Usaha Syariah. Pada tahun 2021, rata-rata Commercial Banks, Sharia Commercial Banks, and
GWM utama dalam Rupiah adalah 5,30% dan GWM Sharia Business Units. In 2021, the average primary
harian dalam valuta asing adalah 4,01%. statutory reserves in Rupiah was 5.30% and daily
statutory reserves in foreign currency was 4.01%.
GIRO PADA BANK INDONESIA BERDASARKAN MATA UANG

Demand Deposits with Bank Indonesia By Currency

Uraian Description
Nominal
2021 2020 %
Amount
Rupiah 1.815.220 1.470.607 344.613 23,43 Rupiah
Mata uang asing 322.024 152.460 169.564 111,22 Foreign Currency
Jumlah 2.137.244 1.623.067 514.177 31,68 Total
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BANK 2021
GIRO PADA BANK LAIN BERSIH DEMAND DEPOSITS WITH OTHER BANKS - NET
Bank menempatkan giro pada bank lain sebesar The Bank placed Rp3,148 billion in demand deposits
Rp3.148 miliar pada akhir tahun 2021, meningkat with other banks at the end of 2021, an increase of
45,95% dari tahun 2020 yang sebesar Rp2.157 45.95% from Rp2,157 billion in 2020. The growth was
miliar. Peningkatan tersebut dipengaruhi oleh influenced by the rise in demand deposits with other
kenaikan giro pada bank lain dalam valuta asing banks in foreign currencies, which reached Rp2.913
(valas) yang mencapai Rp2.913 miliar atau tumbuh billion, an increase of 51.02% compared to 2020,
51,02% dibandingkan posisi tahun 2020 yang hanya which only reached Rp1,929 billion. The increase
mencapai Rp1.929 miliar. Peningkatan tersebut was in line with the growth in public deposits un
seiring dengan meningkatnya dana simpanan foreign currencies, which happened faster than
masyarakat dalam valuta asing yang lebih cepat the increase in foreign currency assets. Given the
dibandingkan dengan peningkatan aset valuta pandemic, the Bank prioritized customers’ liquidity.
asing. Mengingat kondisi pandemi, maka Bank
lebih mengutamakan kepentingan likuiditas
nasabah.
GIRO PADA BANK LAIN BERDASARKAN MATA UANG

Demand Deposits With Other Banks By Currency

Uraian Description
Nominal
2021 2020 %
Amount
Rupiah 238.369 229.439 8.930 3,89 Rupiah
Mata uang asing 2.912.974 1.928.910 984.064 51,02 Foreign Currency
Jumlah 3.151.343 2.158.349 992.994 46,01 Total
Allowance for
CKPN (3.516) (1.543) 1.973 127,87
Impairment Losses
Jumlah – bersih 3.147.827 2.156.806 991.021 45,95 Total - Net
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PENEMPATAN PADA BANK LAIN DAN BANK PLACEMENTS WITH OTHER BANKS AND BANK
INDONESIA BERSIH INSONESIA - NET
Bank Sinarmas melakukan penempatan dana pada Bank Sinarmas placed Rp9,593 billion in funds
bank lain dan Bank Indonesia senilai Rp9.593 miliar with other banks and Bank Indonesia in 2021, an
di tahun 2021, mengalami peningkatan cukup increase of 403.48% compared to the total amount
signifikan yaitu 403,48% dibandingkan tahun 2020 placed in 2020, which was Rp1,905 billion. The
yang sebesar Rp1.905 miliar. Bank secara konsisten Bank is consistently careful in disbursing loans
berhati-hati melakukan penyaluran kredit dan and choose to placing funds into safer and more
memilih untuk menempatkan dana ke instrumen liquid instruments, even though the yields are
yang lebih aman dan likuid. Penempatan pada insignificant. As a result, deposit facility placements
Bank Indonesia dalam bentuk Deposit Facility with Bank Indonesia increased to Rp5,130 billion
naik menjadi Rp5.130 miliar di akhir tahun 2021 at the end of 2021 from Rp1,103 billion at the end
dari Rp1.103 miliar di penghujung tahun 2020. of 2020. Overall, the Bank placed an average of
Bank melakukan penempatan dana di Deposit Rp2 trillion in the Bank Indonesia deposit facility
Facility Bank Indonesia dengan rata-rata Rp2 triliun throughout 2021.
sepanjang tahun 2021.
RINCIAN PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA

Breakdown of Placements with Bank Indonesia and Other Banks

Uraian Description
Nominal
2021 2020 %
Amount
Rupiah Rupiah
Deposit Facility 5.130.000 1.102.825 4.027.175 365,17 Deposit Facility
Term Deposit 899.787 - 899.787 100,00 Term Deposit
Call Money - 100.000 (100.000) -100,00 Call Money
Sub Total 6.029.787 1.202.825 4.826.962 401,30 Sub Total
Mata Uang Asing Foreign Currency
Term Deposit 3.563.130 702.502 2.860.628 407,21 Deposit Facility
Sub Total 3.563.130 702.502 2.860.628 407,21 Sub-Total
Jumlah 9.592.917 1.905.327 7.687.590 403,48 Total
Allowance for
CKPN - (9) (9) -100,00
Impairment Losses
Jumlah 9.592.917 1.905.318 7.687.599 403,48 Total - Net
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EFEK-EFEK BERSIH SECURITIES - NET
Sebagai upaya mendapatkan imbal hasil (yield) In an effort to obtain higher yields from placements
yang lebih tinggi dari penempatan pada bank lain with other banks and Bank Indonesia with low risk,
dan Bank Indonesia dengan risiko rendah, Bank the Bank places placements in securities, especially
melakukan penempatan pada efek-efek terlebih Government bonds. In 2021, the net securities value
pada obligasi Pemerintah. Pada tahun 2021, efek-efek reached Rp14,583 billion, growing 58.79% compared
bersih nilainya mencapai Rp14.583 miliar, bertumbuh to 2020 which was Rp9,183 billion.
58,79% dibandingkan tahun 2020 yang Rp9.183 miliar.
RINCIAN EFEK BANK (BERSIH)

Breakdown of Securities (Net)

Uraian Description
Nominal
2021 2020 %
Amount
Rupiah 14.207.341 8.454.796 5.752.545 68,04 Rupiah
Mata uang asing 375.282 728.770 (353.488) -48,50 Foreign Currency
Jumlah 14.582.623 9.183.566 5.399.057 58,79 Total
Allowance for
CKPN (92) (263) (171) -65,02
Impairment Losses
Jumlah - bersih 14.582.531 9.183.303 5.399.412 58,79 Total - Net
BIAYA DIBAYAR DI MUKA PREPAID EXPENSES
Biaya dibayar di muka yang dikeluarkan Bank tahun Prepaid expenses borne by the Bank in 2021 reached
2021 mencapai Rp1.601 miliar, mengalami penurunan Rp1,601 billion, an decrease 17.26% from Rp1,936
17,26% dibandingkan tahun 2020 yang sebesar billion in 2020. This decrease was due to a decrease in
Rp1.936 miliar. Penurunan ini dikarenakan adanya credit insurance premiums, promotion and business
penurunan pada premi asuransi kredit, promosi dan development as well as renovation of new branches.
pengembangan usaha serta renovasi cabang baru.
156
2021 BANK
RINCIAN BIAYA DIBAYAR DI MUKA

Breakdown of Prepaid Expenses

Uraian Description
Nominal
2021 2020 %
Amount
Asuransi 1.396.300 1.702.047 (305.747) -17,96 Insurance
Promotion
Promosi dan
56.151 79.230 (23.079) -29,13 and operating
pengembangan usaha
development
New branches
Renovasi cabang baru 29.115 46.669 (17.554) -37,61
renovation costs
Pemeliharaan Software and

perangkat lunak dan 74.950 71.166 3.784 5,32 hardware
keras maintenance
Sewa 19.140 15.656 3.484 22,25 Rental
Program kepemilikan Vehicle ownership

11.789 10.039 1.750 17,43
kendaraan karyawan program
Lain-lain 14.001 10.780 3.221 29,88 Others
Jumlah 1.601.446 1.935.587 (334.141) -17,26 Total
ASET TETAP FIXED ASSETS
Bank mencatat penurunan pada pos aset tetap The Bank recorded a decrease in fixed asset items
setelah dikurangi penyusutan sebesar 2,74% dari after deducting 2.74% depreciation from Rp1,584
Rp1.584 miliar menjadi Rp1.541 miliar di akhir billion to Rp1,541 billion at the end of 2021. The
tahun 2021. Penurunan tersebut dikontribusi oleh decrease was due to the lower vehicle procurement,
menurunnya pengadaan kendaraan, serta ada as well as several vehicles were sold.
beberapa kendaraan yang dijual.
ASET LAIN-LAIN OTHER ASSETS
Bank mencatat total aset lain-lain pada tahun 2021 The Bank recorded that the total amount of other
sebesar Rp487 miliar, turun 47,74% dibandingkan assets in 2021 was Rp487 billion, decreased by
tahun 2020 yang sebesar Rp933 miliar. Penurunan 47.74% compared to Rp933 billion in 2020. The decrease
tersebut dikontribusi dari penjualan dan penyelesaian was because of foreclosed assets (AYDA) some were
Aset yang Diambil Alih (AYDA). sold and some were taken again by customers.
157
BANK 2021
LIABILITAS LIABILITIES
Dalam 2 tahun terakhir, liabilitas Perseroan In the last 2 years, the Company’s liabilities have
memperlihatkan tren pertumbuhan yang shown a satisfactory growth trend. The Bank recorded
memuaskan. Pada akhir tahun 2021 Bank mencatat liabilities of Rp38,800 billion at the end of 2021, an
posisi liabilitas pada nilai Rp38.800 miliar, naik 19,17% increase of 19.17% compared to Rp32,558 billion in
dibandingkan tahun 2020 yang sebesar Rp32.558 2020. The increase in customer deposits 23.40% was
miliar. Peningkatan pada simpanan nasabah sebesar the main driver of the Bank’s total increased liabilities.
23,40% menjadi pendorong utama meningkatnya
total liabilitas Bank.
RINCIAN LIABILITAS
Breakdown of Liabilities

Uraian Description
Nominal
2021 2020 %
Amount
Liabilitas segera 116.189 193.249 (77.060) -39,88 Current Liabilities
Simpanan 37.961.555 30.763.916 7.197.639 23,40 Deposits
Simpanan dari bank Deposits from Other

79.243 61.198 18.045 29,49
lain Banks
Efek yang dijual Securities Sold

dengan janji beli - 1.042.913 (1.042.913) -100,00 Under Agreement to
kembali Repurchase
Utang pajak 29.745 71.082 (41.337) -58,15 Taxes Payable
Liabilitas akseptasi 250.424 153.617 96.807 63,02 Acceptances Payable
Beban bunga akrual 23.094 41.183 (18.089) -43,92 Accrued Interest
Liabilitas imbalan Long-term Employee

27.840 29.288 (1.448) -4,94
kerja jangka panjang Benefit Liabilities
Liabilitas lain lain 311.579 201.475 110.104 54,65 Other Liabilities
Jumlah Liabilitas 38.799.669 32.557.921 6.241.748 19,17 Total Liabilities
158
2021 BANK
LIABILITAS SEGERA CURRENT LIABILITIES
Bank mencatat penurunan pada pos liabilitas The Bank recorded a decrease in current liabilities,
segera, dari Rp193 miliar di akhir tahun 2020 from Rp193 billion at the end of 2020 to Rp116 billion
menjadi Rp116 miliar di akhir tahun 2021. Penurunan at the end of 2021. The increase in current liabilities
liabilitas segera berasal dari penurunan liabilitas came from the rise in ATM networks.
jasa produksi dan penurunan liabilitas terkait
jaringan ATM.
RINCIAN LIABILITAS SEGERA

Breakdown of Current Liabilities

Uraian Description
Nominal
2021 2020 %
Amount
Liabilitas sehubungan Payables related to ATM

43.819 74.052 (30.233) -40,83
dengan ATM Bersama Bersama
Kiriman uang 8.998 14.376 (5.378) -37,41 Remittances
Liabilitas administrasi Loans administration

16.358 22.937 (6.579) -28,68
kredit payable
Liabilitas simas poin 13.829 - 13.829 100,00 Simas points liability
Liabilitas Pembayaran
1.570 3.144 (1.574) -50,06 Online payment payable
online
Beban akrual 26.600 29.700 (3.100) -10,44 Accrued Expenses
Production service
Liabilitas jasa produksi - 33.794 (33.794) -100,00
liabilities
Lain-lain 5.015 15.246 (10.231) -67,11 Others
Jumlah 116.189 193.249 (77.060) -39,88 Total
159
BANK 2021
SIMPANAN DEPOSITS
Bank Sinarmas mencatat total simpanan Bank Sinarmas recorded that the total public deposits
masyarakat yang dikelola hingga akhir tahun 2021 under its management until the end of 2021 reached
mencapai Rp37.962 miliar, mengalami peningkatan Rp37,962 billion, an increase of 23.40% from Rp30,764
23,40% dibandingkan tahun 2020 yang sebesar billion in 2020. This high growth was driven by demand
Rp30.764 miliar. Pertumbuhan yang tinggi ini deposits which increased by 104.09%. Meanwhile,
didorong oleh giro yang meningkat 104,09%. Deposito time deposits decreased by 20.86% compared to 2020
berjangka tercatat menurun 20,86% dibandingkan in line with the descent of the tribe deposit interest
tahun 2020, sejalan dengan diturunkannya suku throughout 2021. At the end of 2021, the average
bunga deposito di sepanjang 2021. Pada akhir tahun interest expense for deposits was 2.07%, lower than
2021, rata-rata biaya bunga untuk simpanan adalah the end of 2020 which was 3.16%.
sebesar 2,07%, lebih rendah dari akhir tahun 2020
sebesar 3,16%.
SIMPANAN MASYARAKAT BERDASARKAN JENIS

Public Deposits by Type

Uraian Description
Nominal
2021 2020 %
Amount
Giro 17.941.034 8.790.759 9.150.275 104,09 Demand Deposits
Tabungan 10.374.815 9.785.026 589.789 6,03 Savings
Deposito berjangka 9.645.706 12.188.131 (2.542.425) -20,86 Time deposits
Jumlah 37.961.555 30.763.916 7.197.639 23,40 Total
Total CASA 74,59% 60,38% 14,21 Total CASA
SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
Bank mencatat total simpanan dari bank lain sebesar The Bank recorded Rp79 billion in deposits from other
Rp79 miliar, meningkat 29,49% dibandingkan tahun banks, a 29.49% increase from Rp61 billion in 2020.This
2020 yang sebesar Rp61 miliar. Pertumbuhan ini growth was due to the increase in current account
dikarenakan meningkatnya penempatan giro dari placements from other banks.
bank lain.
160
2021 BANK
SIMPANAN DARI BANK LAIN BERDASARKAN JENIS

Deposits from Other Banks by Type

Uraian Description
Nominal
2021 2020 %
Amount
Giro 79.243 58.198 21.045 36,16 Demand Deposits
Deposito berjangka - 3.000 (3.000) -100,00 Time Deposits
Jumlah 79.243 61.198 18.045 29,49 Total
EFEK YANG DIJUAL DENGAN JANJI BELI KEMBALI SECURITIES SOLD UNDER REPURCHASE
AGREEMENTS
Efek yang dijual dengan janji beli kembali merupakan Securities sold under repurchase agreements are
efek-efek dengan jangka waktu 7 hari. Bank tidak securities with a maturity of seven days. The Bank
mencatat nilai efek di tahun 2021, sedangkan pada did not recorded the value of these securities while in
tahun 2020 Bank mencatatkan efek dengan nilai 2020 it was Rp1,043 billion.The value for this account is
Rp1.043 miliar. Nilai pada pos ini nil karena pada nil because in 2021 the Bank will not conduct market
tahun 2021 Bank tidak melakukan tes pasar seperti tests as it did in 2020 when the Bank will test how big
yang dilakukan di 2020 ketika Bank melakukan tes and fast it can do repos if there is a need for liquidity.
seberapa besar dan cepat bisa melakukan repo jika
ada kebutuhan likuiditas.
UTANG PAJAK TAXES PAYABLE
Bank mencatat total utang pajak sebesar Rp30 The Bank recorded that its total taxes payable was
miliar pada 31 Desember 2021, lebih rendah 58,15% Rp30 billion as of December 31, 2021, 58.15% higher
dibandingkan tahun 2020 sebesar Rp71 miliar. than the total in 2020, which was Rp71 billion. In
Kontribusi penurunan pajak terbesar terdapat pada this regard, the most significant contribution to the
pos pajak kini sebesar Rp22 miliar atau 84,59%, yang increase in taxes in the current tax post is Rp22 billion
dikarenakan pada tahun 2020 terdapat koreksi positif or 84.59%, which is due to a positive fiscal correction
fiskal. in 2020.
161
BANK 2021
RINCIAN UTANG PAJAK

Breakdown of Taxes Payable
Pertumbuhan
Tahun
(Penurunan)
Year
Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Pajak kini 3.989 25.883 (21.894) -84,59 Current tax
Pajak penghasilan Income tax
Pasal 4 16.126 26.764 (10.638) -39,75 Article 4
Pasal 21 4.094 17.164 (13.070) -76,15 Article 21
Pasal 23 dan 26 1.278 548 730 133,21 Article 23 and 26
Pasal 25 410 - 410 100,00 Article 25
Pajak pertambahan nilai 3.848 723 3.125 432,23 Value Added Tax
Jumlah 29.745 71.082 (41.337) -58,15 Total
LIABILITAS AKSEPTASI ACCEPTANCE PAYABLE
Bank mencatat liabilitas akseptasi sebesar Rp250 The Bank recorded acceptance payables of Rp250
miliar di tahun 2021, mengalami kenaikan 63,02% billion in 2021, increasing 63.02% from Rp154 billion
dibandingkan tahun 2020 yang sebesar Rp154 in 2020. This increase occurred in acceptance
miliar. Kenaikan ini terjadi pada liabilitas akseptasi payables in both rupiah and foreign currencies,
dalam mata uang asing yang mengalami kenaikan which increased by 195.37% respectively, as the
sebesar 195,37% seiring dengan tumbuhnya kredit non-cash loans or the issuance of debtors’ LC and
non-cash loan/penerbitan LC dan SKBDN debitur. DLC grew.
LIABILITAS AKSEPTASI BERDASARKAN MATA UANG

Acceptance Payable by Currency

Uraian Description
Nominal
2021 2020 %
Amount
Rupiah 65.193 90.905 (25.712) -28,28 Rupiah
Mata Uang Asing 185.231 62.712 122.519 195,37 Foreign Currency
Jumlah 250.424 153.617 96.807 63,02 Total
162
2021 BANK
LIABILITAS IMBALAN KERJA JANGKA PANJANG LONG-TERM EMPLOYEE BENEFITS
Bank mencatat liabilitas imbalan kerja jangka The Bank recorded Rp28 billion in long-term
panjang di akhir tahun 2021 sebesar Rp28 miliar, employee benefit liabilities at the end of 2021,
mengalami sedikit penurunan 4,94% dibandingkan slightly decreased by 4.94% from Rp29 billion in
tahun 2020 yang sebesar Rp29 miliar. Penurunan 2020. The decrease was due to an adjustment
tersebut disebabkan oleh adanya penyesuaian in the employee benefit liability as a result of the
liabilitas imbalan kerja sebagai dampak penerapan implementation of the Job Creation Law.
Undang-Undang Cipta Kerja.
RINCIAN LIABILITAS IMBALAN KERJA JANGKA PANJANG

Breakdown of Long-Term Employee Benefits

Uraian Description
Nominal
2021 2020 %
Amount
Long-term employee
Liabilitas imbalan kerja
29.288 13.032 16.256 124,74 benefits liability at
jangka panjang awal tahun
beginning of the year
Long-term employee
Beban imbalan kerja jangka
17.693 12.998 4.695 36,12 benefits liability expense
panjang tahun berjalan
during the year
Penyesuaian liabilitas
Adjustment of employee
imbalan kerja sebagai
benefit liability as a result
dampak penerapan (18.265) - (18.265) -100,00
of the implementation of
Undang-Undang Cipta
the Job Creation Law
Kerja
Pembayaran selama tahun Payments made during the

(5.223) (5.686) 463 -8,14
berjalan year
Kerugian komprehensif
4.347 8.944 (4.597) -51,40 Other comprehensive loss
lain
Liabilitas imbalan kerja Long-term employee

jangka panjang akhir 27.840 29.288 (1.448) -4,94 benefits liability reserve at
tahun end of the year
163
BANK 2021
LIABILITAS LAINNYA OTHER LIABILITIES
Pada tahun 2021, total liabilitas lainnya mencapai In 2021, total other liabilities reached Rp312 billion,
Rp312 miliar, mengalami peningkatan sebesar an increase of 54.65% compared to 2020 which
54,65% dibandingkan tahun 2020 yang sebesar was Rp201 billion. This increase was mainly due to
Rp201 miliar. Peningkatan ini terutama dikarenakan the increase in AYDA settlement deposits which
oleh meningkatnya setoran penyelesaian AYDA increased to Rp34 billion from the previous year
yang meningkat menjadi Rp34 miliar dari tahun which was only Rp10 million. As well as the recording
sebelumnya yang hanya sebesar Rp10 juta. Serta of the post write-off settlement settlement and
adanya pencatatan pada pos setoran penyelesaian the obligation to distribute subsidies from the
hapus buku dan kewajiban penyaluran subsidi government in 2021, where the previous year was
dari pemerintah ditahun 2021, dimana tahun nil.
sebelumnya nihil.
164
2021 BANK
RINCIAN LIABILITAS LAINNYA

Breakdown of Other Liabilities

Uraian Description
Nominal
2021 2020 %
Amount
Liabilitas sewa *) 99.004 74.580 24.424 32,75 Lease liabilities
Setoran jaminan 42.280 47.441 (5.161) -10,88 Margin deposits
Setoran penyelesaian AYDA settlement

34.376 10 34.366 343.660,00
AYDA deposit
Setoran penyelesaian Clear book settlement

32.800 - 32.800 100,00
hapus buku deposit
Obligation to
Kewajiban penyaluran
24.749 - 24.749 100,00 distribute subsidies
subsidi dari Pemerintah
from the Government
Estimated losses on
Estimasi kerugian
commitment and
komitmen dan 24.233 33.716 (9.483) -28,13
dan kontinjensi **)
kontinjensi **)
contingencies
Pendapatan diterima di
20.727 28.296 (7.569) -26,75 Prepaid revenue
muka
Liabilitas terkait asuransi Liability related to

20.388 10.338 10.050 97,21
kredit insurance credit
Pendapatan yang
6.048 1.900 4.148 218,32 Deferred income
ditangguhkan
Dana Kebajikan 876 196 680 346,94 Benevolence funds
Liabilitas derivatif 19 169 (150) -88,76 Derivatives liabilities
Lain-lain 6.079 4.829 1.250 25,89 Others
Jumlah 311.579 201.475 110.104 54,65 Total
Catatan | Note:
*) Dampak dari penerapan PSAK No.73 yang mulai berlaku tanggal 1 Januari 2020
**) Dampak dari penerapan PSAK No.71 yang mulai berlaku tanggal 1 Januari 2020
*) The impact of the implementation of PSAK No. 73 which came into effect on January 1, 2020
**) The impact of the implementation of PSAK No. 71 which came into effect on January 1, 2020
165
BANK 2021
DANA SYIRKAH TEMPORER TEMPORARY SYIRKAH FUNDS
Dana syirkah temporer merupakan investasi tidak Temporary syirkah funds represent independent
terikat dalam bentuk giro mudharabah, tabungan investments in the form of mudharabah demand
mudharabah, deposito berjangka mudharabah, deposits, mudharabah savings, mudharabah time
dan sertifikat investasi mudharabah antarbank. deposits, and interbank mudharabah investment
Bank mencatat dana syirkah temporer pada certificates. The Bank recorded Rp6,513 billion
tahun 2021 sebesar Rp6.513 miliar, mengalami in temporary syirkah funds in 2021, an increase
peningkatan 8,60% dibandingkan tahun 2020 of 8.60% from Rp5,997 billion in 2020. The main
yang sebesar Rp5.997 miliar. Komponen utama component of the rise was customer deposits,
peningkatan berasal dari simpanan nasabah yang which grew by 8.59%.
tumbuh 8,59%.
DANA SYIRKAH TEMPORER BERDASARKAN JENIS

Temporary Syirkah Funds by Type

Uraian Description
Nominal
2021 2020 %
Amount
Simpanan 6.507.363 5.992.639 514.724 8,59 Deposits
Simpanan Bank Lain 5.533 4.641 892 19,22 Deposits with Other Banks
Jumlah 6.512.896 5.997.280 515.616 8,60 Total
SIMPANAN MASYARAKAT DENGAN SISTEM PUBLIC SHARIA DEPOSITS

SYARIAH
UUS Bank Sinarmas mencatat peningkatan The Bank Sinarmas SBU recorded an increase
simpanan masyarakat dengan sistem syariah in public sharia deposits at the end of 2021.
sebesar 8,59% pada akhir tahun 2021. Giro Mudharabah demand deposits and savings
mudharabah dan tabungan mudharabah juga increased by 160.85% and 109.17%, respectively.
mengalami peningkatan, masing-masing sebesar Meanwhile, mudharabah time deposits, which
160,85% dan 109,17%. Sementara itu, deposito amounted to Rp4,931 billion in 2020, decrease by
berjangka mudharabah yang pada tahun 2020 17.85% to Rp4,050 billion.
sebesar Rp4.931 miliar, mengalami penurunan
17,85% menjadi Rp4.050 miliar.
166
2021 BANK
SIMPANAN MASYARAKAT DENGAN SISTEM SYARIAH

Public Sharia Deposits

Uraian Description
Nominal
2021 2020 %
Amount
Mudharabah
Giro Mudharabah 1.189.574 456.031 733.543 160,85
Demand Deposits
Mudharabah
Tabungan Mudharabah 1.267.324 605.869 661.455 109,17
Savings
Deposito berjangka Mudharabah Time

4.050.465 4.930.739 (880.274) -17,85
Mudharabah Deposits
Jumlah 6.507.363 5.992.639 514.724 8,59 Total
SIMPANAN DARI BANK LAIN DENGAN SISTEM SHARIA DEPOSITS FROM OTHER BANKS
SYARIAH
Simpanan dari bank lain dengan sistem syariah Sharia deposits from other banks in the form of
berupa giro mudharabah yang mencapai Rp6 mudharabah demand deposits reached Rp6 billion
miliar di tahun 2021, mengalami peningkatan dari in 2021, an increase from the total in 2020, which was
tahun 2020 yang tercatat di nominal Rp5 miliar. recorded at a nominal value of Rp5 billion.
SIMPANAN DARI BANK LAIN DENGAN SISTEM SYARIAH

Sharia Deposits from Other Banks
Pertumbuhan
Tahun
(Penurunan)
Year
Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Mudharabah Demand
Giro Mudharabah 5.533 4.641 892 19,22
Deposits
Jumlah 5.533 4.641 892 19,22 Total
167
BANK 2021
EKUITAS EQUITY
Bank Sinarmas mencatat jumlah ekuitas pada akhir Bank Sinarmas recorded Rp7,359 billion in equity
tahun 2021 mencapai Rp7.359 miliar, mengalami at the end of 2021, a decrease of 21.51% from the
peningkatan 21,51% dibandingkan tahun 2020 yang total equity Rp6,057 billion in 2020. The increase
sebesar Rp6.057 miliar. Kenaikan pada ekuitas in equity was due to the conversion of series III
disebabkan adanya konversi waran seri III sebesar warrants of Rp1,409 billion and from the increase
Rp1.409 miliar serta dari kenaikan pada laba yang in profit generated in 2021. But on the other hand,
dihasilkan di tahun 2021. Namun disisi lain, terdapat there was a decrease in the fair value of the mark to
penurunan pada nilai wajar mark to market obligasi market bonds from the position at the end of 2020
dari posisi akhir tahun 2020 yang menyebabkan which caused a decrease in other equity components.
penurunan pada komponen ekuitas lainnya.
RINCIAN EKUITAS
Breakdown of Equity
Pertumbuhan
Tahun
(Penurunan)
Year
Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Modal saham 1.746.180 1.746.180 - 0,00 Capital Stock
Additional paid-in
Tambahan modal disetor 2.368.655 2.368.655 - 0,00
capital
Dana Setoran Modal 1.408.975 - 1.408.975 100,00 Capital Deposit Fund
Other equity
Komponen ekuitas lainnya 407.324 637.954 (230.630) -36,15
components
Saldo laba Retained earnings
Ditentukan penggunaannya 8.500 8.000 500 6,25 Appropriated
Tidak ditentukan
1.419.782 1.296.055 123.727 9,55 Unappropriated
penggunaannya
Jumlah Ekuitas 7.359.416 6.056.844 1.302.572 21,51 Total Equity
168
2021 BANK
KINERJA LABA/RUGI PROFIT/LOSS PERFORMANCE
Bank membukukan laba bersih sebesar Rp128 The Bank posted a net profit of Rp128 billion in
miliar di tahun 2021, mengalami peningkatan 7,78% 2021, an increase of 7.78% from the net profit
dari tahun 2020 yang sebesar Rp119 miliar. Perbaikan posted in 2020, which was Rp119 billion. The credit
kualitas kredit dan pembiayaan, memberikan and financing quality improvements resulted in a
dampak penurunan pada beban kerugian penurunan decrease of cost of impairment losses on financial
nilai aset keuangan, sehingga meningkatkan laba assets, thereby increasing net income. Meanwhile,
bersih. Sementara itu, laba bersih per saham dasar net earnings per share decreased slightly from
mengalami sedikit penurunan dari Rp6,80 per lembar Rp6.80 per share to Rp6.75 per share. The unrealized
saham menjadi Rp6,75 per lembar saham. Kerugian comprehensive loss to the AFS securities portfolio was
komprehensif yang belum direalisasikan terhadap recorded at Rp106 billion, a decrease when compared
portofolio surat berharga AFS tercatat sebesar to comprehensive income in 2020 which was Rp264
Rp106 miliar, menurun jika dibandingkan dengan billion.
pendapatan komprehensif tahun 2020 yang sebesar
Rp264 miliar.
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF

Statement of Income and Comprehensive Income
Pertumbuhan
Tahun
(Penurunan)
Year
Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Pendapatan bunga 2.622.909 2.632.465 (9.556) -0,36 Interest revenue
Pendapatan bagi hasil 695.070 667.796 27.274 4,08 Profit sharing revenue
Beban bunga (687.603) (905.187) (217.584) -24,04 Interest expense
Beban bagi hasil (214.579) (206.870) 7.709 3,73 Profit sharing expense
Pendapatan bunga – bersih 2.415.797 2.188.204 227.593 10,40 Interest revenue - net
Pendapatan Operasional Lainnya Other Operating Revenue
Provisi dan komisi selain dari Fees and commission in

649.365 598.706 50.659 8,46
kredit addition to credits
Keuntungan dari kenaikan Profits from increase in

nilai wajar efek yang 5.883 2.491 3.392 136,17 fair value of the sale of
diperdagangkan securities trade
Keuntungan kurs mata uang Profits from foreign

39.385 67.970 (28.585) -42,06
asing currency
Keuntungan dari penjualan Profits from the sale of

177.855 372.456 (194.601) -52,25
efek yang diperdagangkan securities trade
Lain-lain 52.890 646.106 (593.216) -91,81 Others
Jumlah Pendapatan
3.341.175 3.875.933 (534.758) -13,80 Total operating revenue
Operasional
169
BANK 2021
Pertumbuhan
Tahun
(Penurunan)
Year
Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Other Operating
Beban Operasional Lainnya
Expenses
General and
Umum dan administrasi (1.147.080) (1.125.180) 21.900 1,95
administrative
Tenaga kerja (761.502) (758.862) 2.640 0,35 Manpower
Kerugian penurunan nilai aset Impairment losses of

(832.151) (1.366.010) (533.859) -39,08
keuangan financial assets
Depreciation of fixed
Penyusutan aset tetap (252.403) (245.687) 6.716 2,73
assets
Biaya komisi (45.021) (43.948) 1.073 2,44 Commission
Lain-lain (143.500) (219.646) (76.146) -34,67 Others
Jumlah Beban Operasional (3.181.657) (3.759.333) 577.676 15,37 Total operating expense
Laba Sebelum Pajak 159.518 116.600 42.918 36,81 Income before tax
Manfaat (Beban) Pajak (31.770) 1.922 33.692 1.752,97 Tax Income (Expense)
Laba Bersih 127.748 118.522 9.226 7,78 Net Income
Other Comprehensive
Penghasilan Komprehensif Lain
Income
Pos yang akan direklasifikasi Reclassified to profit and

(230.630) 152.593 (383.223) -251,14
ke laba rugi loss
Pos yang tidak akan Not reclassified to profit

(3.521) (7.245) 3.724 51,40
direklasifikasi ke laba rugi and loss
Jumlah Penghasilan Total other

(234.151) 145.348 (379.499) -261,10
Komprehensif lain comprehensive income
Jumlah Penghasilan Total comprehensive

(106.403) 263.870 (370.273) -140,32
Komprehensif income
Earnings per Share (full

Laba Bersih per Saham (Nilai Penuh)
value)
Dasar 6,75 6,80 (0,05) -0,74 Basic
170
2021 BANK
PENDAPATAN REVENUE
PENDAPATAN BUNGA BERSIH NET INTEREST INCOME
Pada akhir tahun 2021, pendapatan bunga bersih At the end of 2021, the Bank’s net interest income
Bank mencapai Rp2.416 miliar, mengalami reached Rp2,416 billion, an increase of 10.40% from
peningkatan 10,40% dibandingkan tahun 2020 yang Rp2,188 billion in 2020. This increase was supported
sebesar Rp2.188 miliar. Peningkatan ini didukung by an increase in interest income and profit sharing
oleh meningkatnya pendapatan bunga dan bagi hasil by 0.54%, as well as a decrease in interest expense and
sebesar 0,54%, serta menurunnya beban bunga dan profit sharing by 18.87%.
bagi hasil sebesar 18,87%.
PENDAPATAN BUNGA DAN BAGI HASIL INTEREST INCOME AND PROFIT SHARING
REVENUE
Pendapatan bunga dan bagi hasil Perseroan untuk The Company’s interest income and profit sharing
tahun yang berakhir 31 Desember 2021 sebesar for the year ended December 31, 2021 amounted
Rp3.318 miliar, tumbuh tipis apabila dibandingkan to Rp3,318 billion, grew slightly when compared to
dengan tahun 2020 yang sebesar Rp3.300 miliar. 2020 which was Rp3,300 billion. Interest Income and
Pendapatan bunga dan bagi hasil tidak bertumbuh profit sharing did not grow high because the largest
tinggi karena kenaikan aset produktif terbesar ada increase in earning assets was in placements with
di penempatan pada bank lain dan Bank Indonesia other Banks and Bank Indonesia which recorded
yang mencatatkan pendapatan bunga yang lower interest income than in 2020, in line with
lebih rendah dari tahun 2020, seiring dengan lower interest rates on Bank Indonesia deposit
menurunnya suku bunga pada fasilitas simpanan facilities and BI term deposits.
Bank Indonesia dan Term Deposit BI.
Portofolio efek-efek yang bertambah 58,79% The securities portfolio, which increased by 58.79%,
menghasilkan pendapatan bunga sebesar Rp891 resulted in interest income of Rp891 billion, an increase
miliar, naik 82,46% atau Rp403 miliar dari tahun of 82.46% or Rp403 billion from 2020. However, income
2020. Namun demikian pendapatan dari kredit dan from credit and financing decreased by 14.70% or
pembiayaan turun 14,70% atau Rp390 miliar seiring Rp390 billion in line with the decline in the nominal
dengan menurunnya nominal penyaluran kredit dan loan disbursement. and financing, which caused the
pembiayaan, yang menyebabkan pendapatan bunga Company’s Interest Income and Profit Sharing to
dan bagi hasil perseroan bertumbuh tipis. grow slightly.
171
BANK 2021
RINCIAN KOMPONEN PENDAPATAN BUNGA DAN BAGI HASIL

Components of Interest Income and Profit Sharing Revenue
Pertumbuhan
Tahun
(Penurunan)
Year
Growth (Decrease)
Uraian Description
Nominal
2021 2020 %
Amount
Pendapatan bunga Interest Income
Rupiah Rupiah
Kredit yang diberikan 1.454.405 1.813.183 (358.778) -19,79 Loans
Efek-efek 835.546 414.782 420.764 101,44 Marketable securities
Penempatan pada bank lain dan Placements with other banks and
74.723 109.967 (35.244) -32,05
Bank Indonesia Bank Indonesia
Efek yang dibeli dengan janji jual Securities purchased under

67.195 39.995 27.200 68,01
kembali agreement to resell
Demand deposits with other

Giro pada bank lain 8.530 2.798 5.732 204,86
banks
Jumlah 2.440.399 2.380.725 59.674 2,51 Total
Mata uang asing Foreign currencies
Kredit yang diberikan 159.839 204.005 (44.166) -21,65 Loans
366 2.643 (2.277) -86,15
Efek-efek 21.905 44.374 (22.469) -50,64 Marketable securities
Demand deposits with other

Giro pada bank lain 400 718 (318) -44,29
banks
Jumlah 182.510 251.740 (69.230) -27,50 Total
Jumlah Pendapatan Bunga 2.622.909 2.632.465 (9.556) -0,36 Total Interest Revenue
Pendapatan bagi hasil Profit Sharing Revenue
Rupiah Rupiah
Piutang syariah 647.120 634.024 13.096 2,07 Sharia receivable
Efek-efek 33.147 28.716 4.431 15,43 Marketable securities
14.217 4.497 9.720 216,14
Jumlah 694.484 667.237 27.247 4,08 Total
Mata uang asing Foreign Currencies
Efek-efek 586 559 27 4,83 Marketable securities
Jumlah Pendapatan Bagi Hasil 695.070 667.796 27.274 4,08 Total Profit Sharing Revenue
Jumlah Pendapatan Bunga dan Total interest and profit sharing

3.317.979 3.300.261 17.718 0,54
Bagi Hasil revenue
172
2021 BANK
PENDAPATAN OPERASIONAL LAINNYA FEE-BASED INCOME
Pendapatan di luar bunga yang dibukukan oleh Income excluding interest recorded by the Company
Perseroan pada akhir tahun 2021 berjumlah Rp925 at the end of 2021 amounted to Rp925 billion. This value
miliar. Nilai ini lebih rendah 45,17% atau Rp762 miliar is 45.17% lower or Rp762 billion when compared to the
apabila dibandingkan dengan akhir tahun 2020. end of 2020. This decrease was caused by 3 matters,
Penurunan ini disebabkan oleh 3 hal, yakni pertama, namely first, Profits from the sale of traded securities
keuntungan dari penjualan efek yang diperdagangkan decreased by Rp195 billion compared to 2020 where
menurun Rp195 miliar dibandingkan tahun 2020 there was a decrease in the yield of Government
dimana terjadi penurunan yield Surat Berharga Securities. (SBN) which was significant as a result of
Negara (SBN) yang signifikan sebagai dampak dari various fiscal and monetary stimulus at the beginning
berbagai stimulus fiskal maupun moneter pada of the pandemic. Second, other income decreased
awal pandemi. Kedua, pendapatan lain-lain turun by Rp593 billion, due to a decrease in insurance
Rp593 miliar, dikarenakan penurunan pada klaim claims compared to the previous year. Third, foreign
asuransi dibandingkan tahun sebelumnya. Ketiga, exchange gain decreased by Rp29 billion, influenced
keuntungan kurs mata uang asing turun sebesar by narrower spreads, thereby reducing income from
Rp29 miliar dipengaruhi oleh spread yang mengecil foreign exchange transactions.
sehingga mengurangi pendapatan dari transaksi
valuta asing.
PENDAPATAN OPERASIONAL OPERATING INCOME
Penurunan pada pendapatan operasional lainnya The decrease in other operating income was the
menjadi penyebab utama turunnya pendapatan main reason of the declining operating income. As
operasional. Pada akhir tahun 2021, Bank a result, at the end of 2021, the Bank posted Rp3,341
membukukan pendapatan operasional sebesar billion in operating income, 13.80% lower than that
Rp3.341 miliar, lebih rendah 13,80% dibandingkan in 2020, which was Rp3,876 billion.
tahun 2020 yang sebesar Rp3.876 miliar.
BEBAN EXPENSES
BEBAN BUNGA DAN BAGI HASIL INTEREST AND PROFIT-SHARING EXPENSES
Bank mencatat beban bunga dan bagi hasil pada The Bank recorded Rp902 billion in interest and profit-
akhir tahun 2021 sebesar Rp902 miliar, turun 18,87% sharing expenses at the end of 2021, a decrease of
dibandingkan tahun 2020 yang sebesar Rp1.112 miliar. 18.87% from the interest and profit sharing expenses
Pada tahun 2021, suku bunga simpanan dijaga pada recorded in 2020, which was Rp1,112 billion. In 2021,
level yang cukup rendah. Rata-rata biaya bunga deposit interest rates are kept at a fairly low level. The
simpanan untuk sepanjang tahun 2021 adalah average deposit interest cost for the whole year 2021
2,07%, turun 1,09% dari tahun 2020 yang sebesar is 2.07%, down 1.09% from 2020 which was 3.16%. With
3,16%. Dengan pengelolaan tingkat suku bunga good interest rate management, interest expense
yang baik, beban bunga dan bagi hasil tetap terjaga and profit sharing are maintained despite a 20.98%
meskipun terdapat pertumbuhan sebesar 20,98% growth in temporary syirkah funds and deposits
pada simpanan dan simpanan dana syirkah temporer compared to 2020.
dibandingkan tahun 2020.
173
BANK 2021
RINCIAN KOMPONEN BEBAN BUNGA DAN BAGI HASIL

Breakdown of Interest and Profit-Sharing Expenses

Uraian Description
Nominal
2021 2020 %
Amount
Beban Bunga Interest Expenses
Rupiah Rupiah
Deposito berjangka (359.232) (517.878) (158.646) -30,63 Time deposits
Tabungan (169.392) (239.642) (70.250) -29,31 Savings deposits
Giro (77.205) (72.011) 5.194 7,21 Demand deposits
Premi Penjaminan Premium on Government

(66.422) (56.299) 10.123 17,98
Pemerintah Guarantee
Simpanan dari bank lain (1.109) (3.156) (2.047) -64,86 Deposits from other banks
Efek yang dijual dengan Securities sold under

(570) (2.873) (2.303) -80,16
janji dibeli kembali agreement to repurchase
Jumlah (673.930) (891.859) (217.929) -24,44 Sub Total
Mata uang asing Foreign Currencies
Deposito berjangka (11.350) (8.032) 3.318 41,31 Time deposits
Giro (2.161) (2.914) (753) -25,84 Demand deposits
Efek yang dijual dengan Securities sold under

(154) (1.487) (1.333) -89,64
janji dibeli kembali agreement to repurchase
Deposits from Other

Simpanan dari bank lain (8) (895) (887) -99,11
Banks
Jumlah (13.673) (13.328) 345 2,59 Sub Tota
Jumlah Beban Bunga (687.603) (905.187) (217.584) -24,04 Total Interest Expenses
Beban Bagi Hasil Profit - Sharing Expenses
Rupiah Rupiah
Deposito berjangka (159.045) (170.839) (11.794) -6,90 Time deposits
Tabungan (19.061) (14.137) 4.924 34,83 Savings deposits
Giro (18.423) (9.750) 8.673 88,95 Demand deposits
Premi penjaminan Premium on Government

(17.927) (8.025) 9.902 123,39
pemerintah Guarantee
Simpanan dari bank Deposits from Other

(123) (4.119) (3.996) -97,01
lain Banks
Total Profit-Sharing
Jumlah Beban Bagi Hasil (214.579) (206.870) 7.709 3,73
Expenses
Jumlah Beban Bunga Total Interest and Profit-

(902.182) (1.112.057) (209.875) -18,87
dan Bagi Hasil Sharing Expenses
174
2021 BANK
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Beban operasional lainnya Perseroan untuk tahun The Company’s other operating expenses for the
yang berakhir 31 Desember 2021 adalah Rp3.182 year ending 31 December 2021 amounted to Rp3,182
miliar, menurun 15,37% atau berkurang Rp578 miliar billion, a decrease of 15.37% or a decrease of Rp578
dibandingkan periode sebelumnya sebesar Rp3.759 billion compared to the previous period of Rp3,759
miliar. Penurunan pada beban operasional Bank billion. The decrease in the Bank’s operating expenses
dikontribusi oleh kerugian penurunan nilai aset was contributed by a decrease in impairment losses
keuangan yang berkurang sebesar Rp534 miliar yang on financial assets which decreased by Rp534 billion
dikarenakan terdapat pelunasan beberapa kredit due to the repayment of several large loans and
besar serta penyelesaian beberapa kredit bermasalah. the settlement of several non-performing loans. In
Selain itu, beban penyisihan penghapusan aset non addition, the allowance for possible losses on non-
produktif juga menurun sebesar Rp56 miliar. Selain productive assets also decreased by Rp56 billion. In
kedua biaya yang telah disebutkan, pos-pos beban addition to the two costs mentioned above, other
operasional lainnya stabil jika dibandingkan dengan operating expenses are stable when compared to
tahun 2020. 2020.
KINERJA ARUS KAS CASH FLOW PERFORMANCE
Bank Sinarmas mencatat posisi saldo kas dan Bank Sinarmas recorded its cash and cash
setara kas pada akhir tahun 2021 sebesar Rp15.453 equivalents of Rp15,453 billion at the end of 2021.
miliar. Posisi ini naik 144,65% apabila dibandingkan The cash balance increased by 144.65% compared
dengan tahun 2020 yang sebesar Rp6.316 miliar. to 2020, which was Rp6,316 billion.
LAPORAN ARUS KAS

Cash Flow Statement

Uraian Description
Nominal
2021 2020 %
Amount
Arus kas dari aktivitas Cash flows from operating

7.837.071 2.116.579 5.720.492 270,27
operasi activities
Arus kas dari aktivitas Cash flows from investing

(114.928) (242.578) (127.650) -52,62
investasi activities
Arus kas dari aktivitas Cash flows from financing

1.329.009 203.099 1.125.910 554,37
pendanaan activities
Kenaikan bersih kas dan Increase in cash and

9.051.152 2.077.100 6.974.052 335,76
setara kas cash equivalents net
Kas dan setara kas awal Cash and cash equivalents

6.316.455 4.213.323 2.103.132 49,92
tahun at beginning of the year
Pengaruh perubahan kurs Effect on foreign exchange

85.322 26.032 59.290 227,76
mata uang asing rate changes
Kas dan setara kas akhir Cash and cash equivalents

15.452.929 6.316.455 9.136.474 144,65
tahun at end of the year
175
BANK 2021
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOW FROM OPERATING ACTIVITIES
Pada tahun 2021, Perseroan memperoleh arus kas In 2021, the company obtained cash flow from
dari aktivitas operasi sebesar Rp7.837 miliar, berbeda operating activities of Rp7,837 billion, an increase of
dengan tahun 2020 dimana arus kas yang diperoleh Rp5,720 billion when compared to 2020 which was
dari aktivitas operasi sebesar Rp2.117 miliar. Perolehan Rp2,117 billion. The cash flow from operating activities
arus kas dari aktivitas operasi berasal dari kelebihan came from the excess of income compared to cash
pendapatan dibanding beban sebesar Rp1.255 miliar, expenses of Rp1,255 billion, as well as movements in
serta pergerakan pada pos-pos aset dan liabilitas asset and liability items which resulted in net cash
yang menyebabkan perolehan kas bersih sebesar acquisition of Rp6,582 billion.
Rp6.582 miliar.
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOW FROM INVESTING ACTIVITIES
Arus kas bersih yang digunakan untuk aktivitas The net cash flow used for investing activities in
investasi pada tahun 2021 mencapai Rp115 miliar, 2021 reached Rp115 billion, a decrease of 52.62%
menurun 52,62% dibandingkan tahun 2020 yang compared to 2020 which was Rp243 billion.
sebesar Rp243 miliar. Penggunaan arus kas sebesar The use of cash flow of Rp115 billion in the form
Rp115 miliar dalam bentuk perolehan aset tetap of acquisitions of fixed assets is the majority of
mayoritas merupakan pengadaan perangkat keras hardware and software procurement in order
dan lunak dalam rangka memenuhi kebutuhan to meet the company’s information technology
pengembangan teknologi informasi perseroan di development needs in the digitalization era.
era digitalisasi.
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOW FROM FINANCING ACTIVITIES
Sepanjang tahun 2021, perseroan memperoleh kas Throughout 2021, the company obtained net cash
bersih dari aktivitas pendanaan sebesar Rp1.329 from funding activities of Rp1,329 billion, an increase
miliar, meningkat 554,37% dibandingkan tahun of 554.37% compared to 2020 which amounted to
2020 yang sebesar Rp203 miliar. Peningkatan Rp203 billion. The increase in cash flows obtained
arus kas yang diperoleh dari aktivitas pendanaan from financing activities was due to the result of
disebabkan hasil eksekusi waran seri 3 pada tahun the execution of series 3 warrants in 2021 of Rp1,409
2021 sebesar Rp1.409 miliar, meningkat signifikan billion, a significant increase compared to the result
dibandingkan hasil eksekusi waran pada tahun of the execution of warrants in 2020 of Rp300 billion.
2020 sebesar Rp300 miliar. Hal ini menunjukkan This shows the commitment of the shareholders
komitmen dari pemegang saham untuk terus to continue to strengthen the company’s capital
memperkuat struktur permodalan perseroan structure so that the Company’s CAR ratio increases
sehingga rasio KPMM Perseroan meningkat dari from 17.29% in 2020 to 29.12% in 2021.
17,29% pada tahun 2020 menjadi 29,12% di 2021.
RASIO KEUANGAN FINANCIAL RATIOS
Kinerja rasio-rasio keuangan Bank sepanjang The performance of the Bank’s financial ratios in
tahun 2021 dijelaskan dalam tabel di bawah ini. 2021 is depicted in the table below.
176
2021 BANK
RASIO KINERJA DAN KEPATUHAN BANK

Bank’s Performance of Ratios and Compliance
Pertumbuhan
Tahun (Penurunan)
Year Growth
Uraian Description
(Decrease)
2021 2020 %
RASIO KINERJA PERFORMANCE RATIO
CAR 29,12% 17,29% 11,83 CAR
Non performing earning assets

Aset produktif dan non-produktif
and non earning assets to total
bermasalah terhadap total aset 1,96% 3,93% -1,97
earning assets and non earning
produktif dan non-produktif
assets
Aset produktif bermasalah Non performing earning assets to

1,80% 3,70% -1,90
terhadap total aset produktif total earning assets
NPL bruto 4,64% 4,75% -0,11 Gross NPL
NPL neto 1,18% 1,39% -0,21 Net NPL
ROA 0,34% 0,30% 0,04 ROA
ROE 2,02% 2,25% -0,23 ROE
NIM 5,79% 6,25% -0,46 NIM
BOPO 97,12% 111,70% -14,58 BOPO
LDR 41,22% 56,97% -15,75 LDR
RASIO KEPATUHAN COMPLIANCE RATIO
Percentage Violation of Legal

Persentase pelanggaran BMPK
Lending Limit
Pihak terkait Nil Nil Nil Related Parties
Pihak tidak terkait Nil Nil Nil Non-Related Parties
Percentage Lending in Excess of

Persentase pelampauan BMPK
the Legal Lending Limit
Pihak terkait Nil Nil Nil Related Parties
Pihak tidak terkait Nil Nil Nil Non-Related Parties
GWM Rupiah 5,30% 4,34% 0,96 Reserve Requirement (Rupiah)
Reserve Requirement (Foreign

GWM Valuta Asing 4,01% 4,02% -0,01
Currency)
Posisi devisa neto 1,11% 0,68% 0,43 Net Open Position
177
BANK 2021
KEMAMPUAN MEMBAYAR UTANG DEBT-SERVICE ABILITY
Bank Sinarmas memiliki kemampuan membayar Bank Sinarmas displayed its debt-service ability in
utang yang baik di tahun 2021. Hal ini tercermin 2021, as reflected in its performance and ability to
dari kinerja serta kemampuan memenuhi segala settle all maturing obligations on time.
kewajiban yang jatuh tempo secara tepat waktu.
Bank menggunakan parameter rasio likuiditas, The Bank adopts liquidity, profitability, and solvency
rentabilitas, dan solvabilitas untuk mengukur ratios as parameters to measure its ability to meet
kemampuan memenuhi seluruh kewajiban, all of its long and short-term liabilities and calculate
baik jangka panjang maupun pendek, serta its ability to provide liquidity reserves.
menghitung kemampuan penyediaan cadangan
likuiditas.
RATIO LIKUIDITAS LIQUIDITY RATIO
Bank Sinarmas selalu memastikan memiliki Bank Sinarmas always ensures that it has adequate
likuiditas yang memadai. Bank mengalokasikan liquidity. The Bank allocates funds to low-risk,
dana pada penempatan jangka pendek berisiko short-term placements, such as deposit facilities
rendah, seperti penempatan di Bank Indonesia and reserve repo placements with Bank Indonesia,
dalam bentuk deposit facility dan reverse repo, as liquidity management.
sebagai bentuk pengelolaan likuiditas.
Sejumlah indikator tolak ukur digunakan untuk Benchmark indicators, including the loan-to-
mengukur kondisi likuiditas, di antaranya adalah deposit ratio (LDR) and the macroprudential
rasio kredit terhadap DPK (loan to deposit ratio/ intermediation ratio (RIM), are used to measure
LDR) dan rasio intermediasi makroprudensial liquidity. The average LDR in 2021 was in the range
(RIM). Rata-rata LDR pada tahun 2021 di kisaran of 49.35% and closed at 41.22% at the end of the
49,35% dan ditutup di 41,22% pada akhir tahun. year. Bank Sinarmas’ RIM was at the level of 43.89%
RIM Bank Sinarmas berada di level 43,89% di akhir at the end of 2021.
tahun 2021.
Bank juga memantau likuiditas secara harian The Bank also monitors its liquidity on a daily
melalui rasio alat likuid terhadap non-core deposit basis through the ratio of liquid assets to non-core
(AL/NCD) dan rasio alat likuid terhadap dana pihak deposits (LA/NCD) and the ratio of liquid assets to
ketiga (AL/DPK). Rata-rata rasio AL/NCD dan AL/ third-party funds (LA/TPF). Monitoring showed that
DPK pada tahun 2021 berada di posisi 183,90% dan the average of LA/NCD and LA/TPF ratios in 2021
41,92%, lebih tinggi dari persyaratan OJK 50,00% were at 183.90% and 41.92%, higher than the ratios
dan 10,00%. required by the Financial Services Authority, which
are 50.00% and 10.00%, respectively.
178
2021 BANK
RASIO RENTABILITAS PROFITABILITY RATIO
Pada tahun 2021 hampir semua rasio-rasio rentabilitas In 2021, almost all profitability ratios have improved
mengalami perbaikan apabila dibandingkan dengan when compared to the end of 2020. This is driven by a
akhir tahun 2020. Hal ini didorong oleh perbaikan decrease in credit quality so that the reserve expense
kualitas kredit sehingga beban pencadangan decreases and encourages an increase in profit.
menurun dan mendorong peningkatan laba. Di On the other hand, the NIM ratio has decreased,
lain sisi, rasio NIM mengalami penurunan, karena because the growth of productive assets is more on
pertumbuhan aset produktif lebih banyak pada instruments that provide a lower rate of profit sharing
instrumen-instrumen yang memberikan tingkat bagi than credit. In order to increase the NIM ratio, the
hasil lebih rendah dari kredit. Untuk meningkatkan Bank is determined to increase quality credit growth
rasio NIM Bank bertekad untuk meningkatkan and improve the composition/structure of third party
pertumbuhan kredit yang berkualitas serta funds.
memperbaiki komposisi/struktur dana pihak ketiga.
INDIKATOR RASIO RENTABILITAS BANK

Profitability Ratio Indicators
Pertumbuhan
Tahun
(Penurunan)
Year
Uraian Growth (Decrease) Description
2021 2020 %
ROA 0,34% 0,30% 0,04 ROA
ROE 2,02% 2,25% -0,23 ROE
NIM 5,79% 6,25% -0,46 NIM
NPL bruto 4,64% 4,75% -0,11 Gross NPL
NPL neto 1,18% 1,39% -0,21 Net NPL
BOPO 97,12% 111,70% -14,58 BOPO
RASIO SOLVABILITAS SOLVENCY RATIO
Rasio solvabilitas adalah rasio untuk menilai The solvency ratio is a ratio to assess the Company’s
kemampuan perusahaan dalam melunasi semua ability to pay off all its liabilities. The minimum capital
kewajibannya. Untuk memantau kecukupan modal adequacy ratio (KPMM) or capital adequacy ratio
Bank digunakan rasio kewajiban penyediaan modal (CAR) monitor the Bank’s capital adequacy. CAR is the
minimum (KPMM) atau capital adequacy ratio ratio of capital to risk weighted assets (RWA). Bank
(CAR). CAR merupakan rasio modal terhadap aset Indonesia stipulates the minimum capital maintained
tertimbang menurut risiko (ATMR). Bank Indonesia by the Bank that must be adjusted to the risk profile.
menetapkan modal minimum yang dipelihara oleh
Bank harus disesuaikan dengan profil risiko.
179
BANK 2021
Bank Sinarmas memiliki permodalan yang sehat dan Bank Sinarmas had a healthy capital and ability to
mampu menghadapi risiko kredit, risiko pasar, dan face credit, market, and operational risk, with a CAR
risiko operasional, dengan tingkat CAR sebesar 29,12%. level of 29.12%. This ratio increased when compared to
Rasio ini meningkat jika dibandingkan dengan tahun 2020 which was 17.29%. The growth in this ratio was
2020 yang sebesar 17,29%. Pertumbuhan pada rasio not only due to the addition of capital through the
ini selain karena penambahan modal melalui konversi conversion of series 3 warrants, it was also influenced
waran seri 3, juga dipengaruhi oleh perubahan metode by changes in the calculation method of the market
perhitungan ATMR risiko pasar yang menyebabkan risk RWA which caused the market risk RWA to be
ATMR risiko pasar lebih rendah dari tahun 2020. lower than in 2020.
INDIKATOR RASIO SOLVABILITAS BANK

Solvency Ratio Indicators
Pertumbuhan
Tahun
(Penurunan)
Year
Uraian Growth (Decrease) Description
2021 2020 %
CAR 29,12% 17,29% 11,83 CAR
Modal Inti 6.943.146 5.571.952 24,61 Core Capital
Modal Pelengkap (94.553) 292.736 -132,30 Secondary Capital
TINGKAT KOLEKTIBILITAS PIUTANG COLLECTABILITY OF RECEIVABLES
Bank Sinarmas memiliki syarat dan ketentuan Bank Sinarmas has terms and conditions for
dalam penyaluran kredit. Hal ini diperlukan lending. They are needed as a first step in mitigating
sebagai langkah awal mitigasi risiko kredit the risk of non-performing loans. In addition, the
bermasalah. Selain itu, secara berkesinambungan, Bank handles non-performing loans on an ongoing
Bank konsisten melakukan penanganan kredit basis cinsistently.
bermasalah.
Tingkat kredit bermasalah (Non-Performing The Bank’s gross and net non-performing loans
Loan/NPL) bruto dan NPL neto Bank masing- (NPL) at the end of the 2021 financial year were
masing sebesar 4,64% dan 1,18% pada akhir tahun 4.64% and 1.18% respectively. They experienced
buku 2021. Kondisi ini mengalami perbaikan jika improvements compared to those in 2020, which
dibandingkan tahun 2020 sebesar 4,75% dan 1,39%. were 4.75% and 1.39%.
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PERKEMBANGAN TINGKAT KOLEKTIBILITAS BANK

Collectability of Receivables
2021
Dalam Perhatian Kurang

Jenis Lancar Diragukan Macet Jumlah
Khusus Lancar
Type Current Doubtful Loss Loss
Special Mention Substandard
Rupiah 14.851.150 1.323.838 56.535 370.935 422.081 17.024.539
Mata Uang Asing

72.009 835.228 - - - 907.237
Foreign Currencies
Jumlah | Total 14.923.159 2.159.066 56.535 370.935 422.081 17.931.776
2020
Dalam Perhatian Kurang

Jenis Lancar Diragukan Macet Jumlah
Khusus Lancar
Type Current Doubtful Loss Loss
Special Mention Substandard
Rupiah 16.210.037 1.737.607 18.915 218.727 755.737 18.941.023
Mata Uang Asing

1.086.250 450.019 - - - 1.536.269
Foreign Currencies
Jumlah | Total 17.296.287 2.187.626 18.915 218.727 755.737 20.477.292
SUKU BUNGA DASAR KREDIT BASIC LENDING RATES
Peraturan Otoritas Jasa Keuangan Nomor 37/ Financial Services Authority Regulation No.
POJK.03/2019 tentang Transparansi dan Publikasi 37/POJK.03/2019 concerning Bank Report
Laporan Bank mewajibkan seluruh bank umum Transparency and Publication requires all
untuk melaporkan dan mempublikasikan Suku commercial banks to report and publish their basic
Bunga Dasar Kredit (SBDK). Publikasi ini untuk lending rates. The publication is aimed at providing
memberikan kejelasan dan memudahkan nasabah clarity and facilitating customers in weighing the
dalam menimbang manfaat, biaya dan risiko kredit benefits, costs, and risk of the loan being offered.
yang ditawarkan.
Informasi mengenai SBDK tersedia di cabang dan The information on the prime lending rate is available
website Bank Sinarmas yaitu www.banksinarmas. at the branches and the Bank Sinarmas’ website:
com. www.banksinarmas.com.
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SUKU BUNGA DASAR KREDIT

Basic Lending Rates
Suku Bunga Dasar Kredit Rupiah Berdasarkan Segmen Kredit

Basic Interest Rates for Loans in Rupiah by Lending Segment
Akhir Periode
Kredit Konsumsi
End of Period Kredit Korporasi
Kredit Ritel Kredit Mikro Consumption Lending
Corporate
Retail Lending Micro Lending
Lending
KPR Non-KPR
Triwulan I-2021
10,50% 11,50% 15,00% N/A 10,50%
Quarter I-2021
Triwulan II-2021
10,50% 11,50% 15,00% N/A 10,50%
Quarter II-2021
Triwulan III-2021
10,50% 11,00% 14,00% N/A 10,50%
Quarter III-2021
Triwulan IV-2021
10,50% 11,00% 14,00% N/A 10,50%
Quarter IV-2021
STRUKTUR MODAL CAPITAL STRUCTURE
KEBIJAKAN STRUKTUR MODAL CAPITAL STRUCTURE POLICY
Bank Sinarmas selalu menjaga dan memastikan Bank Sinarmas always maintains and ensures the
tersedianya permodalan secara memadai dan availability of adequate capital according to the
sesuai dengan persyaratan maupun ketentuan requirements and regulations of the regulator. This
regulator. Hal ini perlu dilakukan guna mendukung move is necessary to support sustainable business
pengembangan usaha berkelanjutan. Selain itu, development. In addition, the Bank manages its
Bank telah melakukan pengelolaan modal sesuai capital according to Bank Indonesia and Financial
dengan regulasi Bank Indonesia dan OJK, serta Services Authority regulations and by referring to
mengacu pada penerapan Basel II dan Basel III. the implementation of Basel II and Basel III.
Terjaganya kecukupan modal dibutuhkan untuk Maintaining capital adequacy is necessary to

mengatasi risiko-risiko utama pada kegiatan overcome the main risks in banking activities,
perbankan, yaitu risiko kredit, risiko pasar, risiko including credit, market, liquidity, and operational
likuiditas, dan risiko operasional, dengan tetap risk, while still providing returns for shareholders.
memberikan return bagi pemegang saham. Bank Bank Sinarmas uses the Basel II standardized
Sinarmas menggunakan Pendekatan Standar Basel approach to calculate capital adequacy by taking
II (Standardized Approach) untuk perhitungan credit risk and market risk into account. As for
kecukupan modal dengan memperhitungkan operational risk, the bank refers to the Basel II basic
risiko kredit dan risiko pasar, sedangkan untuk risiko indicator approach.
operasional, Bank mengacu kepada Pendekatan
Indikator Dasar Basel II (Basic Indicator Approach).
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Dengan di keluarkan POJK No.12/2021 mengenai Bank With the issuance of POJK No.12/2021 regarding
umum dimana terdapat perubahan pengelompokan commercial banks where there is a change in the
Bank secara nasional yang semula berdasarkan national grouping of banks which was originally
kegiatan usaha yaitu Bank Umum Kelompok Usaha based on business activities, namely Commercial
(BUKU) berubah menjadi berdasarkan modal inti Banks Business Groups (BUKU) changed to based
yaitu Kelompok Bank Modal Inti (KBMI) sehingga on core capital, namely Core Capital Bank Groups
menempatkan Bank Sinarmas dari Bank dengan (KBMI) thus placing Bank Sinarmas from BUKU 2
kelompok usaha BUKU 2 menjadi Bank dengan modal to KBMI2, with the bank’s capital of Rp6.9 trillion in
Inti KBMI2 dengan modal bank pada Desember 2021 December 2021.
yaitu sebesar Rp6,9 triliun.
Bank Sinarmas memiliki tingkat permodalan Bank Sinarmas has a capital level with a capital
dengan rasio kecukupan modal (Capital Adequacy adequacy ratio (CAR) of 29.12% as of December
Ratio/CAR) pada posisi 31 Desember 2021 sebesar 31, 2021. The bank has met the minimum CAR
29,12%. Bank telah memenuhi persyaratan requirement according to the risk profile set by the
minimum CAR sesuai profil risiko yang ditetapkan regulator to support the Bank’s business plan.
oleh regulator, sehingga dapat mendukung
rencana bisnis Bank.
Bank juga memperhitungkan kecukupan The Bank also considers capital adequacy by
permodalan dengan mengacu kepada Pilar 2 Basel referring to Basel II Pillar 2, better known as the
II atau yang lebih dikenal dengan pendekatan Internal Capital Adequacy Assessment Process
Internal Capital Adequacy Assessment Process (ICAAP) approach. Using this approach, Bank
(ICAAP). Bank Sinarmas berada pada peringkat Sinarmas is ranked 2 (Low to Moderate), with
2 (Low to Moderate), dengan perhitungan ICAAP the calculation of the Bank’s ICAAP is 9-10% or in
Bank adalah 9-10% atau sesuai dengan ketentuan accordance with the provisions of the regulator.
regulator.
Bank Indonesia mewajibkan pembentukan Bank Indonesia requires the establishment of

tambahan modal sebagai penyangga (buffer) additional capital as a buffer in the form of a
berupa Countercyclical Buffer melalui PBI No. 17/22/ Countercyclical Buffer through PBI No. 17/22/
PBI/2015. Hal ini ditujukan untuk mengantisipasi PBI/2015. This is intended to anticipate losses in
kerugian apabila terjadi pertumbuhan kredit the event of excessive bank credit growth that has
perbankan yang berlebihan sehingga berpotensi the potential to disrupt financial system stability.
mengganggu stabilitas sistem keuangan. The percentage of buffers that must be met by Bank
Persentase buffer yang wajib dipenuhi oleh Bank Sinarmas in the form of a Countercyclical Buffer of 0%.
Sinarmas berupa Countercyclical Buffer sebesar 0%.
Bank Sinarmas telah melaporkan kewajiban Bank Sinarmas has reported the integrated
penyediaan modal minimum terintegrasi bagi minimum capital requirement for financial
konglomerasi keuangan sesuai ketentuan POJK conglomerates according to Financial Services
No. 26/POJK.03/2015 di mana Rasio kewajiban Authority Regulation No. 26/POJK.03/2015, where
penyediaan modal minimum terintegrasi the minimum capital adequacy ratio for Sinar Mas
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BANK 2021
konglomerasi keuangan Sinar Mas pada 31 financial services conglomeration as of December

Desember 2021 adalah sebesar 263,46% berada 31, 2021, was 263.46%, above the minimum limit set
di atas batas minimum yang ditetapkan oleh by the regulator, which is 100%.
regulator yaitu sebesar 100%.
STRUKTUR MODAL CAPITAL STRUCTURE
Struktur modal Bank Sinarmas terdiri dari Modal The capital structure of Bank Sinarmas consists
Inti (Tier 1) dan Modal Pelengkap (Tier 2). of Core Capital (Tier 1) and Supplementary Capital
(Tier 2).
MODAL INTI (TIER 1) CORE CAPITAL (TIER 1)
Modal Inti (Tier 1) terdiri dari Modal Inti Utama Core Capital (Tier 1) consists of Common Equity Tier/
(Common Equity Tier/CET 1) dan Modal Inti CET 1 and Additional Tier 1. The CET includes paid-in
Tambahan (Additional Tier 1). Modal inti utama capital, disclosure reserves, and deduction factors
mencakup modal disetor, cadangan tambahan for CET.
modal (disclosure reserve), dan faktor pengurang
modal inti utama.
Cadangan tambahan modal terdiri atas faktor A disclosure reserve consists of additional
penambah (pendapatan komprehensif lainnya dan factors (other comprehensive income and other
cadangan tambahan modal lainnya) dan faktor disclosure reserves) and deduction factors (other
pengurang (pendapatan komprehensif lainnya comprehensive income and other disclosure
dan cadangan tambahan modal lainnya). Sebagian reserves). Most of the Bank’s capital structure is
besar struktur modal Bank adalah modal inti core capital of Rp6,943 billion or 101.38% of the total
sebesar Rp6.943 miliar atau 101,38% dari total modal. wealth.
MODAL PELENGKAP (TIER 2) SUPPLEMENTARY CAPITAL (TIER 2)
Modal Pelengkap (Tier 2) Bank meliputi Cadangan The Bank’s Supplementary Capital (Tier 2) includes
umum PPA atas aset produktif yang wajib dibentuk general PPA reserves on productive assets that must
(paling tinggi 1,25% dari ATMR risiko kredit) dan faktor be formed (at most 1.25% of the RWA credit risk)
pengurang modal pelengkap. Modal pelengkap (Tier and the deduction factor of supplementary capital.
2) posisi 31 Desember 2021 yaitu sebesar minus Rp95 Supplementary capital (Tier 2) as of December 31,
miliar atau -1,38% dari total modal. Modal pelengkap 2021 is minus Rp95 billion or -1.37% of total capital.
negatif karena Perseroan menempatkan dana pada This is because there are Banks placing funds in
instrumen tier 2 bank lain. Tier 2 instruments in other banks.
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RINGKASAN TABEL STRUKTUR MODAL

Summary of Capital Structure
Uraian 2021 2020 Description
I. Komponen Modal I. Capital Stock Component
A. Modal Inti 6.943.147 5.571.952 A. Core Capital
B. Modal Pelengkap (94.553) 292.736 B. Supplementary Capital
II. Jumlah Modal 6.848.594 5.864.688 II. Total
III. Aset Tertimbang Menurut III. Risk-Weighted Assets

Risiko ATMR
Risiko kredit setelah 17.777.390 23.688.232 Credit risk after considering specific
memperhitungkan risiko risks
spesifik
Risiko pasar 76.368 4.946.970 Market risk
Risiko operasional 5.668.202 5.281.034 Operational risk
Jumlah ATMR untuk risiko kredit, Total risk weight assets for credit
23.521.960 33.916.236
pasar, dan operasional market, and peratonal risk,
IV. Rasio kewajiban Penyediaan Modal

IV. Capital Adequacy Ratio (CAR)
Minimum (KPMM) yang tersedia
KPMM dengan
38,52% 24,76% CAR with credit risk
memperhitungkan risiko kredit
KPMM dengan
memperhitungkan risiko kredit 38,36% 20,48% CAR with credit and market risk
dan pasar
KPMM dengan
CAR with credit and operational
memperhitungkan risiko kredit 29,21% 20,24%
risk
dan operasional
KPMM dengan
CAR with credit, operational and
memperhitungkan risiko kredit 29,12% 17,29%
market risk
dan operasional dan pasar
V. Rasio Kewajiban Penyediaan

V. Minimum Capital Adequacy Ratio
Modal Minimum yang diwajibkan 10,00% 9,00%
based on the profile risk
berdasarkan profil risiko
IKATAN MATERIAL INVESTASI MATERIAL COMMITMENTS FOR

BARANG MODAL CAPITAL EXPENDITURE
Bank Sinarmas tidak melakukan ikatan material Bank Sinarmas had no material commitments with
dengan pihak lain terkait investasi barang modal other parties related to investment in capital goods
sepanjang tahun 2021. in 2021.
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BANK 2021
INVESTASI BARANG MODAL CAPITAL EXPENDITURE
Total realisasi investasi barang modal Bank pada The Bank’s total realized capital expenditure in 2021
tahun 2021 mencapai Rp116 miliar, turun 52,43% was Rp116 billion, decreasing by 52,43% from Rp243
dibandingkan tahun sebelumnya yang sebesar billion in the previous year. The factor driving the
Rp243 miliar. Faktor yang mendorong penurunan decline was a reduced office inventory spending.
itu adalah berkurangnya belanja inventaris kantor.
Bank Sinarmas terus meningkatkan kinerja Bank Sinarmas continued to improve its
digitalisasi untuk memberikan layanan terbaik bagi digitalization performance to provide the best
nasabah sepanjang tahun 2021. Investasi inventaris service for customers in 2021. The major investory
kantor terbesar berupa pengadaan perangkat keras investment in hardware and software was needed to
dan perangkat lunak dibutuhkan dalam rangka support the development of information technology
menunjang pengembangan teknologi informasi di in the digitalization era.
era digitalisasi.
REALISASI INVESTASI BARANG MODAL

Realization of Investment in Capital Expenditure
Uraian 2021 2020 Description
Tanah - - Land
Bangunan 588 799 Buildings
Inventaris kantor 114.647 241.427 Office Equipment
Kendaraan bermotor 329 731 Vehicles
Jumlah 115.564 242.957 Total
INFORMASI DAN FAKTA MATERIAL YANG TERJADI SETELAH TANGGAL

LAPORAN AKUNTAN
SUBSEQUENT EVENTS
KETIDAKPASTIAN KONDISI EKONOMI ECONOMIC UNCERTAINTIES
Kondisi perekonomian global pada tahun 2021 The global economy in 2021 was still affected by the
masih dipengaruhi dengan naik turunnya kasus ups and downs of COVID-19 cases. The second wave
pandemi COVID-19. Gelombang ke-2 pandemi yang of the pandemic caused by the spread of the delta
disebabkan penyebaran varian delta memberikan variant had negative impacts that slowed down the
dampak negatif perlambatan ekonomi pada pasar economy in the world’s major financial markets.
finansial utama dunia. Dampak tersebut antara These negative impacts include increased volatility
lain volatilitas tinggi pada nilai wajar instrumen in the fair value of financial instruments including
keuangan termasuk nilai tukar valas, terhentinya foreign exchange rates, trading interruptions,
perdagangan, gangguan operasional perusahaan, disruptions to companies’ operations, stock market
ketidakstabilan pasar saham, dan likuiditas yang instability, and tight liquidity.
ketat.
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2021 BANK
Pemerintah Indonesia terus berupaya melakukan The Indonesian government strives to control the
pengendalian penyebaran COVID-19 melalui spread of COVID-19 through large-scale social
pembatasan sosial berskala besar (PSBB), restrictions (PSBB), accelerated vaccination, and
percepatan vaksinasi, dan penyediaan fasilitas the provision of emergency health facilities. The
kesehatan darurat. Pemerintah juga terus government also continues to provide economic
memberikan stimulus, baik ekonomi maupun and health stimuli to people affected by the
kesehatan, kepada masyarakat terdampak COVID-19 pandemic. It has issued several fiscal
pandemi COVID-19. Sejumlah kebijakan fiskal and other policies to minimize the impacts of the
dan kebijakan lainnya dikeluarkan pemerintah economic slowdown and accelerate the national
untuk meminimalkan dampak perlambatan economic recovery (PEN).
perekonomian dan mempercepat pemulihan
ekonomi nasional (PEN).
Bank Sinarmas menyikapi dampak kondisi Bank Sinarmas responded positively to the impacts
ketidakpastian ekonomi ini dengan positif. of these economic uncertainties. Digitization
Pengembangan digitalisasi melalui digital banking development through digital banking has helped
mampu menjangkau nasabah selama masa reach customers during the large-scale social
PSBB sekaligus menekan biaya operasional Bank. restrictions while reducing the Bank’s operational
Sebagai bentuk tanggung jawab sosial lingkungan costs. Furthermore, as a form of environmental and
dan dukungan terhadap PEN, Bank memberikan social responsibility, and support for the national
donasi rumah isolasi kepada rumah oksigen economic recovery move, the Bank donated
gotong royong, sembako, dan masker gratis. isolation houses to the Rumah Oksigen Gotong
Royong program, basic necessities, and free masks.
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PERISTIWA SETELAH PERIODE PELAPORAN EVENTS AFTER THE REPORTING PERIOD
Pada bulan Oktober 2021, pemerintah bersama In October 2021, the government and the House
Dewan Perwakilan Rakyat (DPR) resmi menyepakati of Representatives (DPR) officially agreed to pass
Rancangan Undang-Undang (RUU) Harmonisasi the draft law for tax regulation harmonization into
Peraturan Perpajakan (HPP) menjadi Undang- law. Changes in the tax regulations, ranging from
Undang. Sejumlah perubahan ketentuan perpajakan, an increase in the lowest layer of tariffs, changes in
mulai dari kenaikan batas lapisan tarif terendah, corporate income tax rates, expansion of the value-
perubahan tarif Pajak Penghasilan (PPh) Badan, added tax base, and population database integration
perluasan basis Pajak Pertambahan Nilai (PPN), with tax administration will impact economic growth.
integrasi basis data kependudukan dengan
administrasi perpajakan akan berdampak terhadap
pertumbuhan ekonomi.
Sampai dengan tanggal penyelesaian laporan As of the date of completion of the financial
keuangan, Perusahaan masih mempelajari statements, the Company was still in the process
dampak penerapan RUU HPP tersebut serta of understanding the impact of the draft law for
mengevaluasi dampaknya terhadap laporan tax regulation harmonization on the Company’s
keuangan Perusahaan. financial statements.
TARGET, REALISASI, DAN TARGETS, REALIZATION, AND

PROYEKSI PROJECTIONS
Sebagian besar pos-pos utama laporan neraca dan Most of the main items in the balance sheet and
laba rugi pada tahun 2021 telah melampaui target profit and loss statement in 2021 exceeded the
sehingga performa Bank Sinarmas dibandingkan target, making Bank Sinarmas’ performance quite
dengan target dinilai cukup baik. good compared to the target.
Bank memperketat kriteria penyaluran kredit dan The Bank tightened its lending criteria and thereby at
pada akhir tahun terdapat pelunasan dan hapus the end of the year, there were repayments and write-
buku sehingga kredit terealisasi di bawah anggaran. offs so that the realized loans were under budget.
Faktor lain yang mempengaruhi adalah turunnya Another influencing factor is the decline in demand
permintaan dari nasabah. Target pendapatan bunga from customers. However, it reached the target
dapat direalisasikan dengan cara mengalokasikan interest income by allocating funds to securities
dana ke efek-efek dan efek yang dibeli dengan janji and securities purchased under resale agreements.
dijual kembali. Penghimpunan Dana Pihak Ketiga The collection of third-party funds ran normally and
(DPK) berjalan normal bahkan melebihi ekspektasi, exceeded expectations, meeting the portfolio target
sehingga dapat memenuhi target portofolio. and target interest expense because the Company
Pelampauan target DPK ini tidak menyebabkan reduced the interest rate gradually during 2021.
pelampauan target beban bunga karena Perseroan
menurunkan tingkat suku bunga secara bertahap di
sepanjang 2021.
Bank mencatat laba sebelum pajak berada 48,61% di The Bank recorded profit before tax was 48.61%
atas target, sehingga realisasi rasio ROA dan ROE lebih above the target, so that the realization of the ROA
tinggi dari target. Rasio NIM sebesar 5,79%, sedikit and ROE ratio was higher than the target. The NIM
lebih rendah dari target. Rasio kecukupan modal ratio was 5.79%, lower than the target. The Bank’s
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2021 BANK
Bank (capital adequacy ratio/CAR) berada di atas capital adequacy ratio (CAR) was above the target
target dengan realisasi sebesar 29,12%. CAR terealisasi with a realization of 29.12%. It was far above the
jauh diatas target karena potensi keuntungan dari target because the potential gain from increasing
peningkatan nilai wajar aset keuangan yang diukur the fair value of financial assets – measured at fair
pada nilai wajar melalui penghasilan komprehensif value through other comprehensive income – had
lain telah melampaui target, serta realisasi ATMR exceeded the target. However, the realization of ATMR
Risiko Kredit lebih rendah dari proyeksi. Uraian terkait Credit Risk is lower than projected. The following table
pencapaian target dapat dilihat pada tabel berikut. shows the target achievement.
PENCAPAIAN TAHUN 2021

Achievements in 2021
Realisasi Target Pencapaian (%)

Uraian Description
Realization Target Achievement (%)
Aset 52.671.981 46.126.753 114,19 Assets
Kredit & Aset Ijarah 18.328.162 22.327.821 82,09 Loans
Surat Berharga 14.582.623 12.657.960 115,21
Surat Berharga yang Dibeli

1.672.987 500.000 334,60
Dengan Janji Dijual Kembali
Dana Pihak Ketiga 44.468.918 38.200.000 116,41 Third-Party Funds
- Giro 19.130.608 11.000.000 173,91 - Demand Deposits
- Tabungan 11.642.139 11.750.000 99,08 - Savings
- Deposito 13.696.171 15.450.000 88,65 - Time Deposits
CASA (%) 69,20 59,55 116,20 CASA (%)
Pendapatan Bunga 3.317.979 3.386.869 97,97 Interest Income
Beban Bunga 902.182 975.328 92,50 Interest Expenses
Pendapatan Operasional di
925.378 1.093.419 84,63 Fee-based Income
Luar Bunga
Beban Operasional di Luar

3.181.657 3.406.085 93,41 Overhead Costs
Bunga
Laba Sebelum Pajak 159.518 107.340 148,61 Profit Before Tax
CAR (%) 29,12 23,04 126,37 CAR
LDR (%) 41,22 58,45 70,51 LDR
ROA (%) 0,34 0,23 145,71 ROA
ROE (%) 2,02 1,45 139,34 ROE
NIM (%) 5,79 5,87 98,51 NIM
Operating Expense to
BOPO (%) 97,12 97,79 99,31
Operating Income
NPL Bruto (%) 4,64 7,79 59,54 Gross NPL
NPL Neto (%) 1,18 3,43 34,38 Net NPL
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TINJAUAN KINERJA SUSTAINABILITY

KEBERLANJUTAN PERFORMANCE OVERVIEW
Musim kemarau berkepanjangan ataupun curah Droughts and above-normal rainfalls in Indonesia
hujan di atas normal yang terjadi di Indonesia resulting from climate change can create new
merupakan akibat perubahan iklim yang dapat challenges. One of the government’s climate change
menimbulkan berbagai tantangan baru. Salah satu mitigation and adaptation efforts in the financial
upaya mitigasi dan adaptasi perubahan iklim yang sector is sustainable finance.
dicanangkan pemerintah di sektor keuangan adalah
program keuangan berkelanjutan.
Bank Sinarmas menyadari perlunya koherensi antara Bank Sinarmas realizes the need for coherence
rencana aksi pengendalian perubahan iklim, rencana between actions plans for climate change control,
pembangunan pemerintah, serta pendanaan swasta the government’s development plans, and private
terkait keuangan berkelanjutan. Oleh karena itu, Bank funding related to sustainable finance. Therefore,
Sinarmas senantiasa menempatkan fokus kebijakan Bank Sinarmas’ financing and operational policies
pembiayaan serta operasionalnya pada upaya- always focus on reducing emissions, saving energy
upaya mengurangi emisi, penghematan energi and using renewable energy, improving adaptation
dan pengunaan energi terbarukan, meningkatkan and resilience efforts in critical national sectors,
adaptasi dan upaya ketahanan di sektor-sektor utama strengthening governance, and adopting policies
nasional, memperkuat tata kelola, serta kebijakan needed to cope with climate change.
yang diperlukan untuk mengatasi perubahan iklim.
KEBIJAKAN KEUANGAN BERKELANJUTAN SUSTAINABLE FINANCE POLICY
Sejak tahun 2020, Bank Sinarmas telah mengeluarkan In 2020, Bank Sinarmas issued an umbrella policy on
kebijakan payung terkait penerapan keuangan sustainable finance implementation and delegated
berkelanjutan dan mendelegasikannya ke masing- it to each relevant work unit. The Bank makes sure
masing unit kerja terkait. Bank memastikan prinsip- that the principles of sustainable finance are closely
prinsip keuangan berkelanjutan melekat erat pada attached to all aspects of the business.
semua aspek usaha.
Pelaksanaan kebijakan keuangan berkelanjutan The Compliance Team of Bank Sinarmas monitors
dipantau oleh Tim Compliance yang bertanggung the implementation of the sustainable finance policy
jawab kepada Direksi. Tim Compliance bersama-sama and reports to the Board of Directors. It contributes
dengan unit-unit terkait berkontribusi dalam kegiatan to operational activities and sustainable governance
operasional dan praktik tata kelola keberlanjutan. practices with relevant units. The Compliance Team
Sejauh ini Tim Compliance memberikan dampak has positively impacted the smooth implementation
positif pada kelancaran penerapan dan penyesuaian and adjustment of the sustainable finance policy.
kebijakan keuangan berkelanjutan.
Bank Sinarmas telah memiliki beberapa kebijakan Bank Sinarmas already has several policies related
terkait pembiayaan dan investasi keuangan to sustainable financing and investments, including
berkelanjutan seperti kebijakan terkait dengan analisis a policy on the environmental impact analysis (EIA)
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dampak lingkungan (AMDAL) untuk pemberian for lending to debtors with high environmental
kredit bagi debitur dengan risiko lingkungan tinggi, risk, a policy on sustainable certification for debtors
kebijakan terkait sertifikasi keberlanjutan bagi debitur in specific business sectors, a policy on granting
sektor usaha tertentu, kebijakan terkait pemberian MSME loans or People’s Business Credit (KUR), and
kredit UMKM atau Kredit Usaha Rakyat (KUR), serta a policy on social and environmental responsibility
kebijakan pelaksanaan TJSL. implementation.
Bank Sinarmas menerapkan kriteria penilaian dan Bank Sinarmas adopts assessment and identification
identifikasi terhadap prospek usaha, pengelolaan criteria for prospective businesses, manages
risiko lingkungan atas usaha yang dilakukan environmental risks, including waste disposal, for
oleh debitur, termasuk pembuangan limbah, debtors’ businesses, and ensures that debtors are not
memastikan bahwa debitur tidak berada pada in business segments or activities prohibited by the
segmen atau kegiatan usaha yang dilarang oleh government and the Company. In addition, we strive
pemerintah maupun perusahaan. Kami berupaya to ensure that the debtors’ businesses or projects do
memastikan usaha atau proyek yang dijalankan oleh not endanger the environment by analyzing their
debitur tidak membahayakan lingkungan dengan business licenses and the completeness of their
melakukan analisa dokumen terhadap izin usaha dan permits, including EIA documents. We also conduct
kelengkapan perizinan seperti dokumen AMDAL serta inspections to ensure that the debtors have complied
melakukan kunjungan langsung untuk memastikan with environmental laws and regulations.
debitur sudah memenuhi ketentuan dan aturan
terkait lingkungan hidup.
Sebagai aksi nyata mendukung implementasi As a concrete action to support sustainable

pembangunan berkelanjutan di Indonesia, Bank development in Indonesia, Bank Sinarmas contributes
Sinarmas berkontribusi pada: to:
• Sektor Perkebunan Sawit • Palm Oil
Penerapan ketentuan tentang sertifikasi sawit Compliance with the Indonesian Sustainable Palm
berkelanjutan Indonesia atau Indonesian Oil (ISPO) and Roundtable on Sustainable Palm
Sustainable Palm Oil System (ISPO) dan/atau Oil (RSPO) certification requirement becomes
Roundtable on Sustainable Palm Oil (RSPO) an obligation for debtors in the palm oil sector.
sebagai kewajiban kepada debitur yang bergerak Hopefully, debtors will better understand and be
di bidang perkebunan sawit. Diharapkan debitur aware of the importance of harmonizing social and
lebih memahami dan menyadari akan pentingnya environmental aspects in their efforts to support
keselarasan aspek sosial dan lingkungan dalam the implementation of sustainable development.
usahanya untuk mendukung implementasi
pembangunan berkelanjutan.
• Sektor Energi • Energy
Bank Sinarmas mulai meningkatkan pembiayaan Bank Sinarmas has begun to increase financing
kepada perusahaan swasta yang memproduksi to private companies that produce new and
energi baru dan terbarukan, di antaranya saat renewable energy, including those currently
ini bergerak di bidang Biodiesel. Adapun, Bank engaging in biodiesel. Furthermore, the Bank will
akan mulai menjajaki eksposur pembiayaan di explore financing exposures in solar power (PLTS),
bidang Pembangkit Listrik Tenaga Surya (PLTS), mini-hydro (PLTMH), biomass, and biogas.
Pembangkit Listrik Tenaga Minihidro (PLTMH), PLT
Biomassa, dan PLT Biogas.
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• Kredit Usaha Rakyat • People’s Business Credit

Bank Sinarmas telah dan akan terus berkontribusi Bank Sinarmas has contributed and will continue
dalam pembiayaan pembangunan berkelanjutan to contribute to sustainable development
kepada masyarakat unbankable melalui financing for unbankable people through
penyaluran kredit usaha rakyat (KUR) pada sektor distributing People’s Business Credit (KUR) in the
produksi seperti perikanan, peternakan, dan production sector, including fisheries, livestock,
pertanian. Kami juga memberikan pendampingan and agriculture. We also provide assistance
dan pembelajaran atas produk dan/atau jasa and lessons learned on financial products and
keuangan guna memberikan kontribusi dalam services to contribute to the management and
pengelolaan dan memajukan usaha-usaha advancement of Indonesian businesses.
masyarakat Indonesia.
• Pembiayaan Digital • Digital Financing
Seiring perkembangan teknologi informasi Along with information technology (IT)
(TI), Bank Sinarmas terus meningkatkan development, Bank Sinarmas continues to increase
peran dan kontribusi dalam literasi dan inklusi its role in and contribution to financial literacy
keuangan di tanah air. Kami membidik peluang and inclusion in the country. We are targeting
perkembangan ekonomi digital di Indonesia opportunities to develop the digital economy in
dengan mengembangkan layanan pemberian Indonesia by developing online lending (digital
kredit secara online (digital loan) untuk kebutuhan loan) services for the disbursement of microcredit
penyaluran kredit mikro maupun kredit konsumer. and consumer loans. Indirectly, digital lending
Secara tidak langsung penyaluran kredit secara can support efforts to conserve nature by
digital dapat mendukung upaya pelestarian reducing paper use or being paperless in business
alam melalui pengurangan penggunaan kertas operations.
(paperless) dalam operasional usaha.
• Pembukaan Rekening • Account Opening
Pendaftaran pembukaan rekening di Bank Opening an account at Bank Sinarmas uses the
Sinarmas menggunakan mekanisme PegaO2O. PegaO2O mechanism. This innovation provides
Inovasi ini dapat memudahkan nasabah convenience to customers during digitalized
untuk memberikan kenyamanan pada proses account opening.
pembukaan rekening yang telah terdigitalisasi.
• Proses Kredit Supply Chain Financing • Supply Chain Financing
Pengembangan sistem pada proses Kredit The supply chain financing system aims to increase
Supply Chain Financing bertujuan untuk efficiency and effectiveness by developing a
meningkatkan efisiensi dan efektivitas yang paperless and digitalized lending system to
menunjang perkembangan bisnis debitur support debtors’ business development.
dengan pengembangan sistem pencairan kredit
(paperless) dan terdigitalisasi.
RENCANA DAN REALISASI AKSI KEUANGAN SUSTAINABLE FINANCE ACTION PLAN AND
BERKELANJUTAN REALIZATION
Bank Sinarmas telah menyusun strategi, kebijakan, Bank Sinarmas has developed sustainable finance
dan kegiatan terkait dengan keuangan berkelanjutan strategies, policies, and activities, formulated in the
yang dirumuskan dalam RAKB. Bank menentukan SFAP. In addition, the Bank determines short-term
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target jangka pendek dan jangka panjang sebagai and long-term targets as guidelines for implementing
pedoman pelaksanaan kegiatan sesuai dengan activities according to the priorities of the SFAP. The
prioritas RAKB. Bank terus berupaya memastikan Bank ensures that it will meet the action plan’s targets.
target-target yang telah direncanakan dalam RAKB
terpenuhi.
PROSES PENYUSUNAN RAKB SFAP DEVELOPMENT
Sebagai bagian dari praktik keuangan berkelanjutan, Bank Sinarmas prepared the 2021 SFAP as part of
Bank Sinarmas melakukan kegiatan penyusunan sustainable finance practices. Furthermore, the Bank
RAKB 2021. Bank secara aktif mengikuti kegiatan actively participates in the socialization of sustainable
sosialisasi RAKB yang dilaksanakan oleh OJK maupun finance action plans carried out by the Financial
institusi terkait lainnya. Untuk koordinasi internal, Services Authority and other relevant institutions. For
Bank melakukan serangkaian rapat serta focus group internal coordination, it conducts a series of meetings
discussion (FGD) dengan seluruh unit kerja terkait. and focused group discussions (FGDs) with all relevant
work units.
Bank Sinarmas menggunakan POJK No.51/ Bank Sinarmas uses Financial Services Authority
POJK.03/2017 sebagai acuan penyusunan RAKB. Regulation No.51/POJK.03/2017 as a reference for
Sebagai Bank yang berada dalam kategori KBMI 2, preparing the SFAP. As a bank in the KBMI 2 category,
Bank memiliki kewajiban untuk menerapkan aksi the Bank must take sustainable finance actions
keuangan berkelanjutan mulai tanggal 1 Januari 2020. starting January 1, 2020.
Dalam proses penyusunan RAKB, Bank Sinarmas During the preparation of the SFAP, Bank Sinarmas
melibatkan Direktur,, Risk Management Group, involved the Director, Risk Management Group,
Compliance Group, Financial & Performance Group, Compliance Group, Financial & Performance Group,
Corporate Secretary, Human Capital Management Corporate Secretary, Human Capital Management
Group, Corporate Credit Analyst Group, Retail Group, Corporate Credit Analyst Group, Retail
Business Group, Micro & Small Business Group, Business Group, Micro & Small Business Group,
Credit Management Group, Treasury Group, Deposit Credit Management Group, Treasury Group, Deposit
Investment Product Development Group, Consumer Investment Product Development Group, Consumer
Credit Loan Group, Internal Audit Group, Sharia Credit Loan Group, Internal Audit Group, Sharia
Business Unit Group, Digital Banking Group, Digital Business Unit Group, Digital Banking Group, Digital
Loan Group, dan General Affair. Loan Group, and General Affairs.
Tim Compliance dan unit-unit penyusun RAKB The Compliance Team and the units that prepared the
melakukan pemantauan secara berkala pada SFAP regularly monitor its implementation to ensure
penerapan rencana untuk memastikan efektivitas its effectiveness and submit activity progress reports
realisasi RAKB, serta menyampaikan laporan dan to top management.
perkembangan kegiatan kepada manajemen puncak.
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Tugas dan tanggung jawab tim penyusunan RAKB, Duties and responsibilities of the SFAP preparation
antara lain: team include:
1. Menyusun dan memastikan RAKB dilaksanakan 1. Preparing and ensuring that the action plan
sesuai dengan ketentuan yang diatur dalam POJK implementation adheres to Financial Services
No. 51/POJK.03/2017 tentang Penerapan Keuangan Authority Regulation No. 51/POJK.03/2017
Berkelanjutan bagi Lembaga Jasa Keuangan, concerning Sustainable Finance Implementation
Emiten, dan Perusahaan Publik; for Financial Service Institutions, Issuers, and
Public Companies;
2. Melakukan penilaian dan analisis kesenjangan (gap 2. Conducting assessment and gap analysis for SFAP
analysis) yang dibutuhkan terkait penyusunan preparation;
RAKB;
3. Menyusun tugas dan tanggung jawab masing- 3. Determining the duties and responsibilities of each
masing unit kerja dalam rangka penerapan work unit in the context of sustainable finance;
keuangan berkelanjutan Bank Sinarmas;
4. Menyusun rencana pengembangan, rencana aksi, 4. Preparing development plans, action plans, and
serta target yang akan dicapai terkait penerapan targets for sustainable finance implementation;
keuangan berkelanjutan; dan and
5. Melakukan sosialisasi RAKB pada internal 5. Familiarizing everyone within the Company with
Perusahaan. the SFAP.
Beberapa kegiatan yang sudah dilakukan di tahun Several activities that were carried out in 2021 and will
2021 dan akan terus ditindaklanjuti di tahun-tahun be followed up in the following years according to the
berikutnya sesuai dengan RAKB, di antaranya: SFAP include:
1. Peningkatan pemahaman tentang keuangan 1. Increasing understanding of sustainable finance
berkelanjutan dengan melakukan pelatihan by conducting training and workshops for all
dan lokakarya bagi seluruh karyawan termasuk employees, including new employees;
karyawan baru;
2. Penentuan parameter key performance indicator 2. Determining key performance indicator
(KPI), target, dan data realisasi penerapan parameters, targets, and data on the
kebijakan keuangan berkelanjutan; implementation of the sustainable finance policy;
3. Penyusunan ketentuan internal berkaitan 3. Preparing internal regulations on the
penerapan keuangan berkelanjutan; implementation of sustainable finance;
4. Peleburan fungsi keuangan berkelanjutan ke 4. Consolidating sustainable finance into each
masing-masing unit kerja terkait; relevant work unit;
5. Penciptaan lingkungan kerja yang berwawasan 5. Creating environmentally sound working
lingkungan dengan melakukan program- conditions by conducting resource-saving
program penghematan sumber daya di internal programs within the Company;
Perusahaan;
6. Pengembangan produk dan layanan keuangan 6. Developing sustainable financial products and
berkelanjutan; dan services; and
7. Pelaksanaan TJSL seperti pelatihan tentang inklusi 7. Carrying out social and environmental
dan literasi keuangan untuk masyarakat, serta responsibilities by hosting community training
pelatihan pembinaan mitra UMKM. on financial inclusion and literacy and training for
MSME partners.
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PEMBIAYAAN KEUANGAN USAHA SUSTAINABLE BUSINESS

BERKELANJUTAN FINANCING
Untuk pembiayaan kegiatan usaha berkelanjutan Bank Sinarmas has mapped debtors’ portfolios into
(KKUB), Bank Sinarmas memetakan portofolio twelve categories for sustainable business financing
debitur menjadi 12 kategori sesuai RAKB. Bank according to the SFAP. Bank Sinarmas disburses loans
Sinarmas menyalurkan kredit ke segmen UMKM to MSMEs and corporations that conduct business
dan segmen korporasi yang menjalankan sektor in natural resource management and sustainable
usaha pengelolaan sumber daya alam hayati dan land use. The disbursement of sustainable business
penggunaan lahan berkelanjutan. Penyaluran kredit financing in 2021 reached Rp2.38 billion, an increase
kepada KKUB pada tahun 2021 ini mencapai Rp2,38 of 5.48% compared to 2020. The most significant
miliar atau naik 5,48% dibandingkan dengan tahun increase occurred in MSME lending with a total of
2020. Kenaikan terbesar terjadi pada penyaluran kredit Rp738.53 miliar atau naik 50.30% than in 2020. As
di sektor UMKM sebesar Rp738,53 miliar atau naik for commercial financing, lending to plantations,
50,30% dibandingkan dengan tahun 2020. Adapun agriculture, and palm oil reached Rp182.1 billion, an
untuk pembiayaan kredit komersial, penyaluran increase of 100% compared to 2020.
dana pada perkebunan dan pertanian serta industri
kelapa sawit mencapai Rp182,1 miliar atau naik 100%
dibandingkan dengan tahun 2020.
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REALISASI TOTAL PEMBIAYAAN KKUB

Sustainable Financing Realization
Uraian
2021 2020 2019
Description
Jumlah produk yang memenuhi kriteria kegiatan usaha berkelanjutan/Number of products that meet the sustainable
business activities criteria
a. Penghimpunan Dana | Fundraising 1.832.520 646.493 947.164
b. Penyaluran Dana | Fund Disbursement 2.388.920 1.696.919 1.497.277
Total Aset Produktif Kegiatan Usaha Berkelanjutan/ Total Sustainable Business Activities Productive Assets
a. Total Kredit/Pembiayaan Kegiatan Usaha Berkelanjutan

Total Credit Financing for Sustainable Business 2.388.920 1.696.919 1.497.277
Activities
b. Total Non- Kredit/Pembiayaan Non-Kegiatan Usaha

Berkelanjutan
15.972.360 208.251.468 21.627.998
Total Non-Credit/Non-Sustainable Business Activity
Financing
Persentasi total kredit/pembiayaan kegiatan usaha

berkelanjutan terhadap total kredit/pembiayaan bank
13,01 8 7
(%)/Percentage of total credit/financing for sustainable
business activities to total bank credit/financing (%)
Jumlah dan kualitas kredit/pembiayaan berdasarkan

kategori kegiatan usaha berkelanjutan/ Amount Rupiah NPL Rupiah NPL Rupiah NPL
and quality of credit/financing based on sustainable (n) (%) (n) (%) (n) (%)
business activities category
a. Produk yang Dapat Mengurangi Penggunaan

Sumber Daya dan Menghasilkan Lebih Sedikit Polusi
(Ecoefficient) 182.110 0,00 228.639 0,00 157.919 0,00
Products that can reduce resource use and generate
less pollution (Ecoefficient)
b. Kegiatan UMKM | MSME Activity 2.206.810 1,02 1.468.280 1,14 1.339.358 1,97
Pandemi COVID-19 masih memengaruhi aktivitas The COVID-19 pandemic still affected the economy
ekonomi dan memiliki dampak terhadap kinerja and impacted debtors’ performance in fulfilling their
debitur dalam memenuhi kewajibannya di tahun obligations in 2021. As a result, Bank Sinarmas focused
2021. Bank Sinarmas menaruh fokus pada kualitas on credit quality and repairing non-performing
kredit dan perbaikan kredit bermasalah. Sampai loans. Until the end of the third quarter of 2021, Bank
dengan akhir triwulan III tahun 2021, rasio kredit Sinarmas’ gross and net non-performing loan (NPL)
bermasalah (non-performing loan/NPL) bruto Bank ratios were 4,69% and 1,41%, respectively. These ratios
Sinarmas sebesar 4,69% dan NPL netto sebesar 1,41%. were better than those in 2020, which were in the
Kedua rasio ini lebih baik dari tahun 2020 yang berada range of 4.96% and 1.43%.
di kisaran 4,96% dan 1,43%.
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Pada tanggal 30 April 2021, Kementerian Koperasi On April 30, 2021, the Ministry of Cooperatives and
dan UMKM menandatangani perjanjian kerjasama MSMEs signed a financing cooperation agreement
pembiayaan dengan Bank Sinarmas selaku with Bank Sinarmas as a distributor of People’s
penyalur Kredit Usaha Rakyat (KUR). Bank Sinarmas Business Credit (KUR). Bank Sinarmas is committed
berkomitmen untuk memaksimalkan penyaluran to maximizing KUR disbursement to MSMEs to
KUR ini ke sentra-sentra UMKM sehingga Pemulihan contribute to the immediate achievement of the
Ekonomi Nasional (PEN) dapat segera tercapai. national economic recovery.
Bank Sinarmas mengharapkan kinerja ekonomi yang Bank Sinarmas expects good performance to be a solid
baik menjadi dasar kuat bagi peningkatan budaya basis to improve the culture of sustainability, including
keberlanjutan, termasuk peningkatan portofolio increasing the portfolio of sustainable finance and
keuangan berkelanjutan serta pengembangan business development. Furthermore, it strives to
usaha. Bank Sinarmas terus berupaya meningkatkan enhance its economic performance according to the
kinerja ekonomi sesuai dengan target yang telah set targets by encouraging innovation and digital
ditetapkan, salah satunya dengan mendorong inovasi banking transformation.
dan transformasi digital perbankan.
Pada tahun 2021, Bank Sinarmas menghadirkan In 2021, Bank Sinarmas presented a chatbot named
asisten virtual berupa chatbot bernama Prissa Prissa (Personal Intelligent Sales and Service Assistant)
(Personal Intelligent Sales and Service Assistant). as a virtual assistant. It helps customers obtain
Layanan ini membantu nasabah memperoleh necessary information about SimobiPlus, ATM and
informasi penting seperti info layanan SimobiPlus, branch office locations, promotions, exchange rates,
lokasi ATM dan kantor cabang, promo, kurs, saham, stocks, and mutual funds, and connects customers
dan reksa dana sampai menghubungkan nasabah with Sinarmas Care via chat on the WhatsApp
dengan Sinarmas care melalui chat di aplikasi application. Moreover, online saving accounts,
WhatsApp. Kemudahan pembukaan rekening baik e-money, online deposits, and virtual visa credit cards
tabungan, e-money maupun deposito secara online, are some of Bank Sinarmas’ innovations to improve its
peluncuran kartu kredit virtual visa merupakan economic performance.
inovasi yang terus dilakukan Bank Sinarmas untuk
meningkatkan kinerja ekonomi.
Sebagai bentuk dukungan terhadap gerakan nasional To support the national movement of a million rooftop
sejuta surya atap yang dicanangkan pemerintah, solar panels launched by the government, Bank
Bank Sinarmas bekerja sama dengan SUNTerra, Sinarmas launched Green Savings with SUNTerra.
meluncurkan Green Saving. Nasabah dengan Customers with specific fund placements get a free
penempatan dana tertentu mendapatkan fasilitas solar panel without drawing lots. Bank Sinarmas
gratis panel surya tanpa diundi. Bank Sinarmas hopes that this program can support Sustainable
berharap program ini dapat mendukung Tujuan Development Goal (SDG) 7, Affordable and Clean
Pembangunan Berkelanjutan (TPB) terciptanya Energy.
Energi Bersih dan Terjangkau.
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PROYEKSI TAHUN 2022 PROJECTIONS FOR 2022
Program vaksinasi COVID-19 di Indonesia telah The COVID-19 vaccination program in Indonesia has
mencapai 40% dosis lengkap dan 60% dosis reached 40% and 60% for the full dose and the first
pertama pada akhir tahun 2021. Data statistik dose vaccination, respectively, by the end of 2021.
kasus COVID-19 terus mengalami penurunan Statistical data shows that COVID-19 cases have
yang signifikan mulai bulan September 2021. experienced a significant decline since September
Pemerintah telah menurunkan level PPKM, dan 2021. The government has lowered the community
memberikan ijin work from office (WFO) kepada activity restrictions (PPKM) level and allowed some
sejumlah sektor perekonomian. Kasus varian economic sectors to work from the office (WFO).
omicron terdeteksi di Indonesia pada akhir tahun However, omicron variant cases were detected
2021. Program vaksinasi, penerapan protokol in Indonesia at the end of 2021. The government
kesehatan dan kesiapan fasilitas kesehatan diyakini believes that vaccination, enforcement of health
mampu memitigasi risiko varian baru ini. protocols, and readiness of health facilities will be
able to mitigate the risk of this new variant.
Pertumbuhan ekonomi Indonesia pada triwulan Indonesia’s economic growth from the first to
I-IV tahun 2021 tercatat sebesar -0,7%, 7,07%, fourth quarters of 2021 was recorded at -0.7%,
3,51% dan 5,02%. Tahun 2022 diharapkan menjadi 7.07%, 3.51% and 5.02%. We hope that 2022 will be
tahun pemulihan dan pertumbuhan ekonomi a better year for economic recovery and growth. At
yang semakin baik. Bank Sinarmas melakukan the end of 2021, Bank Sinarmas set its targets for
penyusunan target tahun 2022 pada akhir tahun 2022 by taking into account the readiness of the
2021. Penyusunan target ini mempertimbangkan Bank’s infrastructure and work plan.
kesiapan infrastruktur dan rencana kerja Bank.
Berikut adalah proyeksi Perseroan tahun 2022 dan The following are the Company’s projections for
asumsi makro dan mikro yang digunakan. 2022 and the macro and micro assumptions used.
PROYEKSI TAHUN 2022

Projections for 2022
Satuan Proyeksi 2022

Uraian Description
Unit Projections for 2022
Aset Rp Juta | Million Rupiah 49.409.520 Assets
Kredit Rp Juta | Million Rupiah 23.087.786 Loans
Dana Pihak Ketiga Rp Juta | Million Rupiah 39.600.000 Third-Party Funds
- Giro Rp Juta | Million Rupiah 11.550.000 - Demand Deposits
- Tabungan Rp Juta | Million Rupiah 12.350.000 - Savings
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Uraian Description
- Deposito Rp Juta | Million Rupiah 15.700.000 - Time Deposits
CASA % 60,35 CASA
Pendapatan Bunga Rp Juta | Million Rupiah 3.710.836 Interest Income
Beban Bunga Rp Juta | Million Rupiah 848.229 Interest Expenses
Pendapatan Operasional di Luar

Rp Juta | Million Rupiah 1.145.015 Fee-based Income
Bunga
Beban Operasional Di Luar Bunga Rp Juta | Million Rupiah 3.651.786 Overhead Costs
Laba Sebelum Pajak Rp Juta | Million Rupiah 363.717 Profit Before Tax
CAR % 25,74 CAR
LDR % 58,30 LDR
ROA % 0,76 ROA
ROE % 4,40 ROE
NIM % 6,07 NIM
Operating Expense to
BOPO % 92,67
Operating Income
NPL Bruto % 4,22 Gross NPL
NPL Neto % 1,44 Net NPL
ASUMSI MAKRO DAN MIKRO YANG DIGUNAKAN

Macro and Micro Assumptions Used

Asumsi Assumption
Asumsi Makro Macro Assumption
Pertumbuhan PDB % 3,8 - 5,2 GDP Growth
Inflasi % 2,0 - 3,0 Inflation
Rp Juta
Nilai Tukar 14.165 - 14.572 Exchange Rate (Rp/USD)
Million Rupiah
7 Days Reverse Repo Rate 3,50 - 4,00 7-Day Reverse Repo Rate
Asumsi Mikro Micro Assumption
Pertumbuhan Kredit % 6 - 8,7 Loan Growth
Pertumbuhan DPK % 7 - 10 Third-Party Funds Growth
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PROSPEK USAHA 2022 BUSINESS PROSPECTS IN 2022
Bank Dunia memproyeksikan pertumbuhan The World Bank projects Indonesia’s economic growth
ekonomi Indonesia pada tahun 2022 akan tumbuh in 2022 to grow 5.2% while the International Monetary
5,2% sementara Dana Moneter Internasional (IMF) Fund (IMF) projects Indonesia’s economic growth
memproyeksikan pertumbuhan ekonomi Indonesia to grow 5.6% assuming the vaccination program
tumbuh 5,6% dengan asumsi program vaksinasi continues and there is no new wave of COVID-19.
terus dilakukan dan tidak terjadi gelombang baru Meanwhile, the economic growth target in the 2022
COVID-19. Sementara target pertumbuhan ekonomi State Budget (APBN) is also at the level of 5.2%, an
pada Anggaran Pendapatan dan Belanja Negara increase from last year’s level of 3.6%. The projection of
(APBN) 2022 juga berada pada level 5,2% meningkat more conducive economic growth in 2022, supported
dari tahun lalu di level 3,6%. Proyeksi pertumbuhan by loose mobility in line with the decline in the daily
ekonomi yang lebih kondusif di tahun 2022 didukung number of COVID-19 cases, has a positive impact on
oleh longgarnya mobilitas sejalan dengan penurunan the banking industry as an intermediary institution.
angka kasus harian COVID-19 ini memberikan In this case, the Financial Services Authority increased
dampak positif bagi industri perbankan sebagai the loan growth target in 2022 to 7.5% compared to
lembaga intermediasi. Dalam hal ini, Otoritas Jasa the previous month’s realization of 5.2% amid still
Keuangan meningkatkan target pertumbuhan loose banking liquidity.
kredit tahun 2022 menjadi 7,5% dibanding realisasi
bulan sebelumnya sebesar 5,2% di tengah likuiditas
perbankan yang masih longgar.
Meski demikian terdapat tantangan yang perlu However, there are challenges that need to be
diwaspadai diantaranya prediksi perlambatan watched out for, including the prediction of a global
ekonomi global, Amerika Serikat dan China di tengah economic slowdown, the United States and China
konflik geopolitik Rusia-Ukraina dan kasus COVID-19 amid the geopolitical conflict between Russia and
yang meningkat, serta rencana penyesuaian kebijakan Ukraine and the increasing cases of COVID-19, as well
moneter berupa kenaikan suku bunga acuan oleh as the plan to adjust monetary policy in the form of
The Fed yang diprediksi akan diikuti oleh kenaikan an increase in the benchmark interest rate by the
suku bunga acuan negara Emerging Market dan Fed which is predicted to be followed by an increase.
domestik. Pertumbuhan ekonomi Amerika Serikat Emerging Market country and domestic benchmark
(AS) diperkirakan turun dari 5,6% di 2021, menuju 4,0% interest rates. Economic growth in the United States
di 2022, pertumbuhan ekonomi Tiongkok diproyeksi (US) is estimated to decline from 5.6% in 2021 to 4.0% in
turun dari 8,1% menjadi 4,8%, sedangkan di Eropa 2022, China’s economic growth is projected to decline
turun dari 5,2% menjadi 3,9%. from 8.1% to 4.8%, while in Europe it will decline from
5.2%. to 3.9%.
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2021 BANK
Namun demikian, di tengah tantangan tersebut However, in the midst of these challenges, domestic
indikator makroekonomi domestik menunjukkan macroeconomic indicators show a recovery where the
pemulihan dimana tren inflasi masih rendah berada inflation trend is still low, below BI’s target, the trade
dibawah target BI, neraca perdagangan surplus, balance is in surplus, foreign capital flows are still
arus modal asing yang masih mencatatkan inflow recording inflows to the Indonesian financial market
ke pasar keuangan Indonesia dan kurs rupiah and a stable rupiah exchange rate has prompted
yang stabil membuat Bank Indonesia masih akan Bank Indonesia to maintain its reference interest rates
mempertahankan suku bunga acuan hingga akhir until the end of the first semester of 2022.
Semester I 2022.
Walaupun masih dibayangi pandemi, kondisi Although still overshadowed by the pandemic, the
fundamental industri perbankan nasional yang fundamental condition of the national banking
relatif masih kuat dan pertumbuhan ekonomi yang industry is still relatively strong and economic growth
diproyeksi lebih kondusif memberi harapan akan is projected to be more conducive, giving hope for an
meningkatkan permintaan kredit. Berikut beberapa increase in credit demand. The following are some of
hal yang akan dilakukan Bank sepanjang tahun 2022: the things that the Bank will do throughout 2022:
1. Melonggarkan penyaluran kredit tanpa 1. Loosening lending without abandoning the

meninggalkan prinsip kehati-hatian, sehingga precautionary principle, so that credit growth
pertumbuhan kredit yang mulai berjalan sejak which has started running since August 2021 will
bulan Agustus 2021 akan terus dilanjutkan dan continue and be increased. Outstanding credit is
ditingkatkan. Outstanding kredit diproyeksi akan projected to grow in double digits, in the midst of an
bertumbuh dua digit, di tengah perekonomian economy that is predicted to continue to improve.
yang diprediksi akan terus membaik. Penyaluran Credit distribution with a pattern of collaboration
kredit dengan pola kerja sama dengan with fintech companies, e-commerce, and open
perusahaan-perusahaan fintech, e-commerce, banking schemes are options considered by the
serta skema open banking menjadi opsi yang Bank.
dipertimbangkan oleh Bank.
2. Menempatkan kelebihan likuiditas pada portofolio 2. Placing excess liquidity in the securities portfolio
surat berharga yang telah terbukti memainkan that has been proven to play an important role in
peran yang penting dalam mendukung supporting the Bank’s profitability.
profitabilitas Bank.
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BANK 2021
3. Menjaga cost of fund agar tetap rendah, dan mulai 3. Keeping the cost of funds low, and starting to rise
naik bertingkat hingga akhir tahun 2022. in stages until the end of 2022.
4. Mengakselerasi digitalisasi guna menciptakan 4. Accelerate digitalization to create opportunities
peluang untuk melakukan inovasi serta to innovate and develop existing products and
pengembangan atas produk dan layanan yang services.
ada.
5. Merealisasikan program-program keuangan 5. Realizing planned sustainable finance programs,
berkelanjutan yang telah direncanakan antara lain such as increasing financial inclusion programs.
seperti meningkatkan program inklusi keuangan.
PREDIKSI PASAR TERHADAP INDIKATOR PEREKONOMIAN INDONESIA

Market Prediction of Indonesia’s Economic Indicators
Real Indikator 2022 2021 2020 Real Indicator
PDB Riil (yoy) 3,5 4,9 -2 Real GDP (YoY)
Indeks Harga Konsumen (yoy) 1,6 2,3 2 Consumer Price Index (YoY)
Pengangguran (%) 6,5 7,2 6,8 Consumer Price Index (YoY)
Current Account (% dari PDB) -0,4 -1,9 -0,7 Current Account (% from PDB)
Fiscal Balance Budget (% dari PDB) -5,5 -5,6 -6,3 Fiscal Balance Budget (% from PDB)
Bank Indonesia Reference Interest

Suku Bunga Acuan Bank Indonesia (%) 3,50 3,75 3,75
Rate (%)
Kurs Rupiah/Dolar AS 14.249 13.500 14.050 Rupiah/US Dollar exchange rate
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2021 BANK
ASPEK PEMASARAN MARKETING
Bank Sinarmas memiliki visi menjadi Bank terkemuka Bank Sinarmas has the vision to become a leading
di Indonesia dengan jaringan distribusi terintegrasi bank in Indonesia with an integrated distribution
dan layanan yang prima. Bank memperkuat fondasi network and excellent service. Therefore, the Bank
dasar, menciptakan strategi dan inovasi pemasaran, strengthens its basic foundation, creates marketing
serta melakukan kolaborasi dengan pihak lain untuk strategies and innovations, and collaborates with other
mewujudkan visi tersebut. Penerapan prinsip-prinsip parties to realize this vision. In addition, it continues
tata kelola perusahaan yang baik, peningkatan to implement the principles of good corporate
kualitas sumber daya manusia (SDM) senantiasa governance and improve the quality of its human
dilakukan Bank untuk memperkuat fondasi landasan resources to strengthen its business foundation.
usaha.
Bank menerapkan strategi peningkatan porsi The Bank implements the strategies of increasing the
dana murah (CASA) dan pertumbuhan nasabah portion of low-cost funds (CASA) and attracting new
baru di bidang pendanaan. Bank memanfaatkan customers in the funding sector. It takes advantage
produk tabungan dan giro yang telah berjalan serta of its existing savings and deposits products and
melakukan pengembangan produk-produk tersebut. develops them. It consistently conducts campaigns
Secara konsisten Bank melakukan kampanye atau and promotions, both independently and in
promo, baik secara mandiri maupun kerja sama collaboration with billers or partners, to increase the
dengan biller atau mitra untuk meningkatkan user, number of users, usage, and fee-based income. Co-
usage, maupun pendapatan fee based. Kerja sama branding with several partners who already have a
(co-branding) dengan beberapa mitra yang telah vast and well-known network is one of the strategies
memiliki jaringan luas dan ternama menjadi salah to increase the equity value of Bank Sinarmas and its
satu strategi untuk meningkatkan nilai ekuitas partners. It will continue to develop its products and
Bank Sinarmas dan partner. Bank juga akan terus services within the framework of financial solutions
mengembangkan produk dan layanan dalam tailored to its customer life cycle and needs through
kerangka financial solution sesuai dengan customer services provided by all existing touchpoint channels.
life cycle dan kebutuhan nasabah melalui layanan
seluruh channel touch point yang ada.
Untuk produk pembiayaan, aspek pemasaran The marketing of financing products focuses on
diarahkan pada penyaluran kredit dengan skema lending with the Supply Chain Financing (SCF)
Supply Chain Financing (SCF) atau fasilitas Kredit scheme or the Working Capital Loan (KMK) facility
Modal Kerja (KMK) kepada satu mata rantai bisnis for one business chain, a productive loan with fixed
berupa kredit produktif beragunan fixed asset. asset collateral. In addition, the Bank focuses on
Bank memfokuskan penyaluran kredit pada sektor lending in the production and trade industrial sectors
industri produksi dan perdagangan, serta Kredit and payroll-based unsecured loans. It offers these
Tanpa Agunan (KTA) payroll based. KTA ini diberikan unsecured loans to employees of companies it has
kepada karyawan perusahaan-perusahaan yang telah collaborated with to pay their payrolls through the
menjalin kerja sama pembayaran payroll melalui Bank. Moreover, it also establishes partnerships
Bank Sinarmas. Selain itu, Bank juga melakukan with financial technology companies to increase
kemitraan dengan perusahaan financial technology consumptive and productive lending.
dalam rangka melakukan meningkatkan penyaluran
kredit yang bersifat konsumtif maupun produktif.
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BANK 2021
Bank melakukan closed monitoring melalui call The Bank conducts closed monitoring through call
report selama masa pandemi COVID-19. Bank juga reports during the COVID-19 pandemic. It also provides
memberikan langkah penanganan (restrukturisasi) effective restructuring measures for debtors affected
secara efektif kepada debitur yang terdampak by the economic and social impact of COVID-19
pengaruh ekonomi dan/atau sosial pandemi virus according to their conditions and business.
COVID-19 sesuai dengan kondisi dan atau usaha
debitur.
Bank meningkatkan akses channel pemasaran The Bank has improved access to marketing channels
lewat mobile banking serta internet banking through mobile banking and internet banking to
agar memudahkan nasabah melakukan transaksi facilitate customers’ banking transactions during
perbankan selama masa pandemi. Aktivitas cross dan the pandemic. Its offices carry out cross-selling and
up-selling untuk produk Bancassurance, Reksadana, upselling activities for Bancassurance, mutual fund,
maupun produk treasury dapat dilakukan di seluruh and treasury products through regional treasury
jaringan kantor melalui regional treasury marketing marketing (RTM). Ease of access to transactions
(RTM). Kemudahan akses transaksi lewat seluruh through all e-channel touchpoints and offices has
touch point e-channel dan jaringan kantor mampu increased customer transactions through ATMs/
meningkatkan transaksi nasabah melalui jaringan CRMs, EDC machines, QRIS, mobile banking and
ATM/CRM, mesin EDC, QRIS baik melalui mobile internet banking. The synergy between promotion,
banking maupun internet banking. Sinergi antara education, and gathering programs with customers
program promosi, edukasi, dan gathering dengan has contributed to the increasing number of users and
nasabah telah mendukung peningkatan user dan usage of the Bank’s products and services. In addition,
usage terhadap produk dan layanan Bank. Selain the Bank also increases the number, competence,
itu, Bank juga melakukan peningkatan jumlah, motivation, and productivity of the salespeople
kompetensi, motivasi dan produktivitas tenaga through integrated development programs and
penjual melalui program pengembangan terpadu regular training on banking products.
dan pelatihan secara berkala mengenai produk-
produk perbankan.
PANGSA PASAR BANK SINARMAS

Bank Sinarmas Market Share
2021 2020
Pangsa Pangsa
Bank Pasar Bank Pasar
KBMI II Buku II
Sinarmas Market Sinarmas Market
Share Share
Kredit Gross 18.328 651.624 2,81% 20.940 539.011 3,88% Gross Loans
Dana Pihak Third-Party

44.469 793.773 5,60% 36.757 648,871 5,66%
Ketiga Funds
Aset 52.672 1.195.504 4,41% 44.612 897,206 4,97% Assets
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2021 BANK
DIVIDEN DIVIDENS
KEBIJAKAN DIVIDEN DIVIDEND POLICY
Anggaran Dasar Bank Sinarmas dan peraturan The articles of association of Bank Sinarmas and
perundang-undangan yang berlaku mencantumkan the prevailing laws and regulations stipulate the
ketentuan kesetaraan saham. Seluruh saham Bank requirement for equal shares. Accordingly, all of
yang telah ditempatkan, termasuk saham baru yang the Bank’s issued shares, including new shares to
akan dikeluarkan dalam rangka Penawaran Umum, be issued in a public offering, are entitled to similar
memiliki hak yang sama dan sederajat dalam segala rights and equal in all respects with the existing
hal dengan pemegang saham lama termasuk hak shareholders, including their dividend rights.
atas dividen.
Dalam rangka pembagian dividen, Bank tidak In the context of dividend distribution, the Bank does
memiliki negative covenants sehubungan dengan not have negative covenants with restrictions on third
pembatasan pihak ketiga. Bank juga wajib parties. It is also required to observe its CAR after
memperhatikan CAR setelah memperhitungkan risiko calculating that its market, credit, and operational
pasar, risiko kredit, dan risiko operasional mencapai risk reach ≥20%, and the current year’s liquidity
≥20%, serta kondisi likuiditas tahun berjalan. Besaran conditions. The Bank will adjust its cash dividends
dividen tunai akan disesuaikan dengan keuntungan to the profits obtained in the relevant financial year
yang diperoleh Bank pada tahun buku bersangkutan, without prejudice to the right of the General Meeting
dengan tidak mengurangi hak dari Rapat Umum of Shareholders (GMS) to determine otherwise
Pemegang Saham (RUPS) untuk menentukan lain according to the Company’s articles of association.
sesuai dengan ketentuan Anggaran Dasar Perseroan. Dividends received by non-Indonesian shareholders
Dividen yang diterima oleh para Pemegang saham will be taxed according to the prevailing regulations
yang bukan merupakan Warga Negara Indonesia in Indonesia.
(WNI) akan dikenakan pajak sesuai dengan peraturan
yang berlaku di Indonesia.
REALISASI DIVIDEN REALIZED DIVIDENDS
RUPS Tahunan yang diselenggarakan pada tanggal On June 29, 2021, the annual GMS decided to use
29 Juni 2021 memutuskan penggunaan laba the 2020 financial year profit as a reserve fund to
tahun buku 2020 sebagai dana cadangan untuk strengthen the Bank’s capital and record as retained
memperkuat permodalan, dan akan dicatat sebagai earnings. As a result, as of 2021, the Bank has not
laba yang ditahan. Sampai dengan tahun 2021, Bank distributed dividends. Therefore, this annual report
belum membagikan dividen sehingga informasi cannot provide detailed information on dividend
rincian pembayaran dividen tidak dapat diuraikan payments.
dalam laporan tahunan ini.
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BANK 2021
PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN DAN/ATAU

MANAJEMEN (ESOP/MSOP)
EMPLOYEE/MANAGEMENT STOCK OWNERSHIP PLAN (ESOP/MSOP)
Bank Sinarmas tidak menjalankan program As of December 31, 2021, Bank Sinarmas did not have
kepemilikan saham oleh karyawan dan/ an employee/management stock ownership plan
atau manajemen (ESOP/MSOP) sampai (ESOP/MSOP). Therefore, we do not present ESOP/
dengan 31 Desember 2021. Oleh karena itu, MSOP in this report.
Bank tidak mengungkapkan informasi ini.
REALISASI PENGGUNAAN DANA HASIL PENAWARAN UMUM

UTILIZATION OF PROCEEDS FROM THE INITIAL PUBLIC OFFERING
Rincian realisasi penggunaan dana hasil penawaran
The table below presents details of the utilization of
umum Bank disampaikan dalam tabel di bawah ini.
proceeds from the Bank’s public offering.
PENGGUNAAN DANA HASIL PENAWARAN UMUM

Utilization of Proceeds from the Initial Public Offering
(Rp Nilai Penuh) | (Rp Full Amount)
No Keterangan Nominal Description
1 Jumlah Hasil PUT II 435.709.614.800,00 Proceeds from Limited Public Offering II
2 Biaya Emisi 5.285.225.170,63 Emission cost
Use of proceeds from LPO II as Tier

Penggunaan dana PUT II untuk Alokasi
3 104.182.890.971,26 1 Capital Allocation for the Period of
Modal Inti Periode 31 Desember 2021
December 31, 2021
Use of proceeds from LPO II as Working

Penggunaan dana PUT II untuk Modal
4 0 Capital Modal for the Period of 31
Kerja Periode 31 Desember 2021
December 2021
5 Sisa Dana Hasil PUT II 326.241.498.658,11 Remaining Proceeds from LPO II
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2021 BANK
INFORMASI MATERIAL MENGENAI INVESTASI, EKSPANSI,

DIVESTASI, PENGGABUNGAN/PELEBURAN USAHA, AKUISISI,
RESTRUKTURISASIUTANG/MODAL
SIGNIFICANT INFORMATION ON INVESTMENT, EXPANSION, DIVESTMENT,
BUSINESS MERGER/CONSOLIDATION, ACQUISITION, DEBT/CAPITAL
RESTRUCTURING
Selama tahun 2021 Bank Sinarmas tidak memiliki Throughout 2021, Bank Sinarmas did not have any
transaksi atau aktivitas terkait investasi, ekspansi, transactions nor activities related to investment,
divestasi dan akuisisi dengan nilai yang material. expansion, divestment, and acquisition with material
Demikian pula, Bank tidak melakukan transaksi value. Hence, the Bank does not have transactions in
restrukturisasi utang dan/atau restrukturisasi modal. restructuring of debt and/or capital.
INFORMASI TRANSAKSI MATERIAL YANG MENGANDUNG BENTURAN

KEPENTINGAN DAN/ATAU TRANSAKSI DENGAN PIHAK AFILIASI
INFORMATION ON SIGNIFICANT TRANSACTION WITH CONFLICT OF
INTEREST AND TRANSACTIONS WITH AFFILIATES
Dalam kegiatan operasionalnya, Bank Sinarmas In its operations, Bank Sinarmas conducts transactions
melakukan transaksi dengan pihak-pihak berelasi. with related parties the same terms and conditions as
Transaksi tersebut dilakukan dengan syarat dan transactions with unrelated parties.
kondisi yang sama sebagaimana dilakukan dengan
pihak yang tidak memiliki hubungan istimewa.
NAMA DAN SIFAT HUBUNGAN BERELASI

Name and Nature of the Related Parties
Bank Sinarmas memiliki relasi dengan perusahaan- Bank Sinarmas has relationships with companies
perusahaan yang berada dalam Grup Sinar Mas selain within the Sinar Mas Group in addition to key
karyawan kunci: employees:
• Pemegang saham (termasuk pemegang saham • Shareholders (including the ultimate shareholders
akhir Bank Sinarmas, PT Sinar Mas Multiartha Tbk, of Bank Sinarmas, PT Sinar Mas Multiartha Tbk,
dan PT Shinta Utama). and PT Shinta Utama).
• Perusahaan-perusahaan yang dimiliki secara • Companies owned directly or indirectly by the
langsung atau tidak langsung oleh pemegang shareholders of Bank Sinarmas.
saham Bank Sinarmas.
• Perusahaan-perusahaan yang dikendalikan oleh • Companies controlled by close family members of
anggota keluarga dekat pemegang saham dan the shareholders and key management of Bank
manajemen kunci Bank Sinarmas. Sinarmas.
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BANK 2021
REALISASI TRANSAKSI DENGAN PIHAK BERELASI TAHUN 2021

Realized Transactions with Related
2021 2020
Persentase terhadap Persentase terhadap

Jumlah (Rp jumlah aset/liabilitas/ dan Jumlah (Rp jumlah aset/liabilitas/ dan
Keterangan
Juta) dana syirkah temporer Juta) dana syirkah temporer
Description
Total Percentage of total assets/ Total Percentage of total assets/
(Rp Million) liabilities/ temporary syirkah (Rp Million) liabilities/ temporary syirkah
funds (%) funds (%)
Aset Assets
Efek-efek 9.758 0,02 7.000 0,02 Securities
Kredit 401.988 0,76 71.120 0,16 Loans
Pendapatan
Accrued
yang masih 170 0,00 108 0,00
income
akan diterima
Biaya dibayar Prepaid

649 0,00 1.813 0,00
dimuka expenses
Other
Aset lain - lain 32.219 0,06 53.944 0,12
assets
Liabilitas Liabilities
Current
Liabilitas segera 434 0,00 1.370 0,00
Liabilities
Simpanan 7.972.890 20,55 5.200.137 15,97 Deposits
Beban yang
Accrued
masih harus 885 0,00 3.553 0,01
expenses
dibayar
Temporary
Dana Syirkah Temporer Syirkah
Funds
Simpanan 1.009.811 15,50 719.407 12,00 Deposits
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PERUBAHAN PERUNDANG-UNDANGAN YANG BERPENGARUH

SIGNIFIKAN TERHADAP PERUSAHAAN
CHANGES TO LAWS AND REGULATIONS THAT SIGNIFICANTLY AFFECT
THE COMPANY
Regulator mengeluarkan peraturan perundang- The regulator issued laws and regulations that
undangan yang memiliki dampak signifikan pada significantly affected Bank Sinarmas’ operations.
operasional Bank Sinarmas. Penjelasan tentang Changes to the laws and regulations, and the impacts,
perubahan peraturan perundang-undangan tersebut are described in the table below.
diuraikan dalam tabel di bawah ini.
Regulasi Perihal
No
Regulation Subject
1 Surat Edaran Otoritas Jasa Keuangan Nomor 3/ Pelaporan dan Permintaan Informasi Debitur melalui
SEOJK.03/2021 Tanggal 15 Januari 2021 Sistem Layanan Informasi Keuangan
Financial Services Authority Circular No. 3/SEOJK.03/2021, Reporting and Requesting a Debtor’s Information
dated January 15, 2021 Through the Financial Information Service System
Dampak terhadap Bank dan Tindak Lanjut Bank

Impact on and Follow-Up from the Bank
1 Dengan adanya peraturan ini Bank Sinarmas akan melakukan penyesuaian sandi referensi dengan integrasi pelaporan
ANTASENA mencakup informasi sektor ekonomi, rincian informasi fasilitas, golongan pihak ketiga, negara, dan jenis
valuta.
Bank Sinarmas will adjust its reference code with the integrated report, ANTASENA, covering economic information,
detailed facility information, the third-party class, countries, and currencies.
2 Bank Sinarmas juga akan melakukan penambahan referensi untuk mengakomodisasi kredit atau pembiayaan yang
direstrukturisasi dalam rangka kebijakan stimulus.
Bank Sinarmas will also add references to accommodate restructured loans or financing in the context of the stimulus
policy.
3 Bank Sinarmas melakukan penyesuaian ketentuan internal mengenai pengendalian penggunaan informasi debitur
dimana ditambahkan satu ketentuan, yaitu untuk menerapkan manajemen risiko kredit/pembiayaan.
Bank Sinarmas adjusted its regulation on controlling the use of debtors’ information, wherein it added one article about
credit/financing risk management.
2 Peraturan PPATK Nomor 1 Tahun 2021 Tanggal 28 Tata Cara Penyampaian Laporan Transaksi Keuangan
Januari 2021 Mencurigakan, Transaksi Keuangan Tunai, dan Transaksi
Keuangan Transfer Dana Dari dan Keluar Negeri Melalui
Regulation of the Financial Transaction Reports and
Aplikasi goAML Bagi Penyedia Jasa Keuangan
Analysis Centre No. 1 of 2021, dated January 28, 2021
Procedures for Financial Service Providers to Report
Suspicious Financial Transactions, Cash Financial
Transactions, and Transfers of Funds from and out of the
Country Through the goAML Application
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BANK 2021
Regulasi Perihal
No
Regulation Subject

1. Bank Sinarmas mengembangkan sistem AML baru untuk memenuhi kebutuhan penyampaian laporan transaksi
keuangan ke PPATK melalui Aplikasi goAML.
Bank Sinarmas has developed a new AML system to meet the needs of reporting financial transactions to the Financial
Transaction Reports and Analysis Centre (PPATK) through the goAML application.
2. Bank Sinarmas melakukan pengembangan pada front end system guna kebutuhan pemenuhan data pelaporan melalui
Aplikasi goAML.
Bank Sinarmas has developed a front-end system to meet the needs of reporting data through the goAML application.
3. Bank Sinarmas melakukan penyesuaian pada ketentuan internal terkait Pemantauan, Analisis dan Pelaporan Program
APU & PPT.
Bank Sinarmas has adjusted its regulation on Monitoring, Analyzing, and Reporting for the Anti Money Laundering and
Combating the Financing of Terrorism (AML & CFT) program.
3 Peraturan Bank Indonesia Nomor 23/2/PBI/2021 Tanggal Perubahan Ketiga atas Peraturan Bank Indonesia Nomor
26 Februari 2021 20/8/PBI/2018 tentang Rasio Loan to Value untuk Kredit
Bank Indonesia Regulation No. 23/2/PBI/2021, dated Properti, Rasio Financing to Value untuk Pembiayaan
February 26, 2021 Properti, dan Uang Muka untuk Kredit atau Pembiayaan
Kendaraan Bermotor
Third Amendment to Bank Indonesia Regulation No.
20/8/PBI/2018 concerning The Loan-to-Value Ratio for
Property Loans, the Financing-to-Value Ratio for Property
Financing and Down Payments for Motor Vehicle Loans
or Financing
4 Peraturan Anggota Dewan Gubernur Nomor 23/6/ Perubahan Kedua atas Peraturan Anggota Dewan
PADG/2021 Tanggal 5 April 2021 Gubernur Nomor 21/25/PADG/2019 tentang Rasio Loan
Regulation of Members of the Board of Governors No. to Value untuk Kredit Properti, Rasio Financing to Value
23/6/PADG/2021, dated April 5, 2021 untuk Pembiayaan Properti, dan Uang Muka untuk
Kredit atau Pembiayaan Kendaraan Bermotor (PADG
Perubahan Kedua LTV/FTV dan Uang Muka)
Second Amendment to the Regulation of Members of
the Board of Governors No. 21/25/PADG/2019 concerning
the Loan-to-Value Ratio for Property Loans, the
Financing-to-Value Ratio for Property Financing, and
Down Payments for Motor Vehicle Loans or Financing
(Second Amendment PADG on LTV/FTV and Down
Payments)

1 Bank Sinarmas dapat memberikan kredit dengan LTV sampai dengan 100% dalam penyaluran KPR apabila NPL Bruto
Bank kurang dari 5% atau NPL Neto Kredit Perumahan kurang dari 5%.
Bank Sinarmas can provide loans with an LTV of up to 100% in mortgage disbursement if the Bank’s gross NPL is less than
5% or the net NPL of housing loans is less than 5%.
2 Bank Sinarmas dapat memberikan kredit dengan LTV sampai dengan 100% dalam penyaluran Kredit Kendaraan
Bermotor apabila NPL Bruto Bank kurang dari 5% atau NPL Neto Kredit Kendaraan Bermotor kurang dari 5%.
Bank Sinarmas can provide loans with an LTV of up to 100% in motor vehicle loans if the Bank’s gross NPL is less than 5%
or the net NPL of motor vehicle loans is less than 5%.
3 Pengaturan atas kewajiban pencairan bertahap untuk kredit pemilikan properti yang belum tersedia secara utuh
dihapus. Bank Sinarmas akan melakukan penyesuaian kewajiban internal dengan merujuk pada aturan tersebut.
The regulation of phased disbursement obligations for property ownership loans that are not yet fully available has been
abolished. Bank Sinarmas will adjust its internal obligations by referring to this rule.
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Regulasi Perihal
No
Regulation Subject
5 Surat Edaran Otoritas Jasa Keuangan Nomor 14/ Rencana Bisnis Bank Umum Syariah dan Unit Usaha
SEOJK.03/2021 Tanggal 30 April 2021 Syariah
Financial Services Authority Circular No. 14/ Sharia Commercial Banks’ and Sharia Business Units’
SEOJK.03/2021, dated April 30, 2021 Business Plans

UUS Bank Sinarmas dalam penyusunan Rencana Bisnis, penyampaian laporan realisasi
Rencana Bisnis dan laporan pengawasan Rencana Bisnis berpedoman dan mengikuti
peraturan dimaksud dan penyampaian disampaikan melalui Sistem Pelaporan OJK (APOLO).
In preparing a business plan, reporting the implementation of the business plan, and reporting the supervision
of the business plan implementation, the Bank Sinarmas SBU is guided by and follows the circular in question.
The reporting is carried out through the reporting system of the Financial Services Authority (i.e., APOLO).
6 Peraturan Menteri Koordinator Bidang Perekonomian No Perubahan Kedua atas Peraturan Menteri Koordinator
2 Tahun 2021 Tanggal 17 Mei 2021 Bidang Perekonomian Nomor 8 Tahun 2019 Tentang
Regulation of the Coordinating Minister for Economic Pedoman Pelaksanaan Kredit Usaha Rakyat
Affairs No. 2 of 2021, dated May 17, 2021 Second Amendment to the Regulation of the
Coordinating Minister for Economic Affairs No. 8 of 2019
concerning Guidelines for the Disbursement of People’s
Business Credit

1 Dengan adanya peraturan ini, Bank Sinarmas dapat melakukan penyaluran KUR Khusus ke segmen industri UMKM dan
sektor produktif lainnya berdasarkan asesmen Bank.
Under this regulation, Bank Sinarmas can offer special KUR to MSMEs and other productive sectors based on the Bank’s
assessment.
2 Bank Sinarmas telah melakukan penyesuaian mengenai KUR tanpa jaminan sampai dengan plafon Rp100 Juta.
Bank Sinarmas has adjusted its unsecured KUR to a ceiling of Rp100 million.
7 Peraturan Menteri Koordinator Bidang Perekonomian Perubahan Keempat Atas Peraturan Menteri Koordinator
Nomor 3 Tahun 2021 Tanggal 17 Mei 2021 Bidang Perekonomian Nomor 6 Tahun 2020 Tentang
Regulation of the Coordinating Minister for Economic Perlakuan Khusus bagi Penerima Kredit Usaha Rakyat
Affairs No. 3 of 2021, dated May 17, 2021 Terdampak Pandemi Corona Virus Disease 2019
Fourth Amendment to Regulation of the Coordinating
Minister for Economic Affairs No. 6 of 2020 concerning
Special Treatment for People’s Business Credit
Recipients Affected by Corona Virus Disease 2019

Peraturan ini berdampak pada penyesuaian aturan internal Bank. Bank telah menyusun aturan mengenai Revisi Ketentuan
Penanganan Khusus Kredit/Pembiayaan Segmen Micro, Small, & Medium Enterprise Business yang Terkena Dampak
Penyebaran Corona Virus Disease 2019 untuk Program KUR.
This regulation has impacted the adjustment of the Bank’s internal rules. Accordingly, the Bank has drafted a regulation on
Revisions to the Rules for the Special Handling of Credit/Financing for Micro, Small, and Medium Enterprises Affected by the
Spread of Corona Virus Disease 2019 for the KUR Program.
8 Peraturan Bank Indonesia Nomor 23/5/PBI/2021 Tanggal Sistem Monitoring Transaksi Valuta Asing Terhadap
25 Mei 2021 Rupiah
Bank Indonesia Regulation No. 23/5/PBI/2021, dated May Monitoring System for Transactions on Foreign
25, 2021 Currencies Against Rupiah
211
BANK 2021
Regulasi Perihal
No
Regulation Subject
9 Peraturan Anggota Dewan Gubernur Nomor 23/11/ Sistem Monitoring Transaksi Valuta Asing Terhadap
PADG/2021 Tanggal 28 Juni 2021 Rupiah
Regulation of Members of the Board of Governors No. Monitoring System for Transactions on Foreign
23/11/PADG/2021, dated June 28, 2021 Currencies Against Rupiah

1. Dampak terhadap Bank adalah Bank Sinarmas berkewajiban untuk melakukan koneksi Sistem Transaksi Valuta Asing
dan/atau Sistem Pendukung Transaksi Valuta Asing yang digunakan dalam transaksi dengan SISMONTAVAR atas
transaksi valuta asing terhadap rupiah dengan nasabah.
As the impact of this regulation, Bank Sinarmas is obliged to connect its foreign exchange transaction system and foreign
exchange transaction support system with SISMONTAVAR to transact foreign exchange against rupiah with customers.
2. Tindak lanjut Bank adalah Bank dalam tahap finalisasi aplikasi internal dan akan terkoneksi dengan SISMONTAVAR untuk
Transaksi Valuta Asing terhadap Rupiah Antara Bank dengan Nasabah pada Januari 2022.
The follow-up taken by the Bank is that it is currently in the stage of finalizing its internal application. It will be connected
to SISMONTAVAR in January 2022 for foreign exchange transactions against rupiah between the Bank and its customers.
10 Peraturan Menteri Keuangan Republik Indonesia Nomor Perubahan Atas Peraturan Menteri Keuangan Nomor
50/PMK.05/2021 Tanggal 27 Mei 2021 138/PMK.05/2020 Tentang Tata Cara Pemberian Subsidi
Regulation of the Minister of Finance No. 50/PMK.05/2021, Bunga/ Subsidi Margin Dalam Rangka Mendukung
dated May 27, 2021 Pelaksanaan
Program Pemulihan Ekonomi Nasional
Amendment to the Regulation of the Minister of
Finance No. 138/PMK.05/2020 concerning Procedures
for Providing Interest/Margin Subsidies to Support the
Implementation of the National Economic Recovery
Program

1 Dengan adanya PMK ini Bank Sinarmas perlu melakukan mapping Debitur/Nasabah Segmen Micro & Small Business
yang eligible untuk menerima subsidi Bunga/Subsidi Margin.
Under this regulation from the Minister of Finance, Bank Sinarmas needs to map out its micro and small business debtors/
customers eligible to receive interest/margin subsidies.
2 Setelah mendapatkan data debitur yang eligible untuk mendapatkan subsidi Bank Sinarmas memastikan sinkronisasi
sistem internal Bank dengan SIKP.
After obtaining data on debtors who are eligible for subsidies, Bank Sinarmas must ensure the synchronization of the
Bank’s system with the ministry’s Program Credit Information System (SIKP).
3 Bank Sinarmas telah melakukan penyesuaian ketentuan internal tentang kriteria debitur penerima subsidi bunga dan
tata cara penagihan atas klaim subsidi bunga.
Bank Sinarmas has adjusted its regulations on criteria for debtors who can receive interest subsidies and procedures for
claiming an interest subsidy.
11 Peraturan Bank Indonesia Nomor 23/6/PBI/2021 Tanggal Penyedia Jasa Pembayaran

1 Juli 2021 Payment Service Providers
Bank Indonesia Regulation No. 23/6/PBI/2021, dated July
1, 2021
212
2021 BANK
Regulasi Perihal
No
Regulation Subject

1. Bank melakukan self-assessment dalam proses Persetujuan atas pengembangan aktivitas, produk dan/atau kerja sama
terkait dengan risiko komposit High & Medium, dan mengirimkan melalui e-licensing.
The Bank conducts a self-assessment in approval processes for activities and products development and cooperation
with high and medium composite risks. It sends the self-assessment results through e-licensing.
2. Bank dalam tahap melakukan proses pengkinian terhadap kebijakan internal terkait dengan Sistem Pembayaran (SP).
The Bank is in the process of updating its policy on the payment system.
12 Peraturan Bank Indonesia Nomor 23/7/PBI/2021 Tanggal Penyelenggara Infrastruktur Sistem Pembayaran
1 Juli 2021 Payment System Infrastructure Operators
Bank Indonesia Regulation No. 23/7/PBI/2021, dated July
1, 2021

1. Bank melakukan self-assessment dalam proses Persetujuan atas pengembangan aktivitas, produk dan/atau kerja sama
terkait dengan risiko komposit High & Medium, dan mengirimkan melalui e-licensing.
The Bank conducts a self-assessment in approval processes for activities and products development and cooperation
with high and medium composite risks. It sends the self-assessment results through e-licensing.
2. Bank dalam tahap melakukan proses pengkinian terhadap ketentuan internal terkait dengan Sistem Pembayaran (SP).
The Bank is in the process of updating its policy on the payment system.
13 Peraturan Otoritas Jasa Keuangan Nomor 12/ Bank Umum

POJK.03/2021 Tanggal 30 Juli 2021 Commercial Banks
Financial Services Authority Regulation No. 12/
POJK.03/2021, dated July 30, 2021

1. Dampak terhadap Bank adalah Bank Sinarmas masuk menjadi Bank KBMI 2 dan Bank Sinarmas juga perlu melakukan
penyesuaian jaringan Kantor menjadi paling rendah KCP.
As the impact of this regulation, Bank Sinarmas has become a KBMI 2 bank and needs to adjust its office network, making
sub-branch offices the lowest office level.
2. Tindak lanjut Bank adalah Bank Sinarmas tidak memiliki kewajiban pengajuan permohonan persetujuan atas
pengelompokkan KBMI 2, namun terkait dengan penyesuaian jaringan kantor – Bank Sinarmas telah melakukan
penyesuaian atas jaringan kantor tersebut dan telah melakukan pelaporan kepada regulator.
Bank Sinarmas does not have an obligation to apply for approval for the grouping of KBMI 2. However, following up on this
regulation, Bank Sinaramas has adjusted its office network and reported it to the regulator.
14 Peraturan Otoritas Jasa Keuangan Nomor 13/ Penyelenggaraan Produk Bank Umum
POJK.03/2021 Tanggal 30 Juli 2021 Operation of Commercial Bank Products
Financial Services Authority Regulation No. 13/
POJK.03/2021, dated July 30, 2021
213
BANK 2021
Regulasi Perihal
No
Regulation Subject

1. Dampak terhadap Bank adalah perubahan pengelompokan kategori produk Bank baru yang memerlukan izin (Produk
Bank Lanjutan) dan tidak memerlukan izin (Produk Bank Dasar). Dimana untuk produk-produk baru tersebut perlu
dicantumkan dalam RPPB (Rencana Penyelenggaraan Produk Bank) yang disampaikan setiap tahun kepada Regulator.
The impact is a change in the grouping categories of new bank products that require a permit (advanced bank products)
and do not require a permit (basic bank products). A product operating plan, which lists new basic and advanced bank
products, must be submitted annually to the regulator.
2. Tindak lanjut Bank adalah produk-produk baru yang akan dilaksanakan telah dicantumkan dalam RPPB Bank.
The Bank has followed up on this regulation by including the new products that it will operate in its product operating
plan.
3. UUS Bank Sinarmas mencantumkan Rencana Penyelenggaraan Produk Bank baru (RPPB) sebagai dasar Bank dalam
melakukan proses penyelenggaraan Produk Bank baru yang pertama kali disampaikan bersamaan dengan Rencana
Bisnis UUS Tahun 2022.
The Bank Sinarmas SBU has made a plan for the operation of new bank products and submitted it in conjunction with its
business plan for 2022 as the basis for the Bank to operate its new products.
4. UUS Bank Sinarmas menerapkan Prinsip Syariah dalam menyelenggarakan Produk Bank dimana dalam pemenuhan
penerapan prinsip Syariah didukung:
The Bank Sinarmas SBU implements the sharia principles in operating bank products. The implementation of the sharia
principles is supported by:
a. Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia yang menjadi dasar penyelenggaraan Produk Bank atau surat
dari Dewan Syariah Nasional Majelis Ulama Indonesia yang ditujukan kepada Bank dalam hal fatwa Dewan Syariah
Nasional Majelis Ulama Indonesia belum tersedia; dan
A Fatwa of the National Sharia Council of the Indonesian Ulema Council, which forms the basis for the operation of
bank products, or a letter from the National Sharia Council of the Indonesian Ulema Council addressed to the Bank in
the event that the fatwa is not yet available; and
b. Opini dari Dewan Pengawas Syariah Bank terhadap Produk Bank baru.
An opinion from the Bank’s Sharia Supervisory Board about the new bank products.
15 Peraturan Menteri Agama Nomor 13 Tahun 2021 tanggal Penyelenggaraan Ibadah Haji Reguler
30 Juli 2021 Regular Hajj Service
Regulation of the Minister of Religious Affairs No. 13 of
2021, dated July 30, 2021

UUS Bank Sinarmas sebagai Bank Penerima Setoran Biaya Perjalanan Ibadah Haji (BPS Bipih) mematuhi peraturan dalam
pelaksanaan penerimaan setoran awal biaya perjalanan ibadah haji (Bipih) dan nasabah dapat melakukan proses pembayaran
setoran awal Bipih melalui layanan perbankan elektronik yang dimiliki Bank.
The SBU of Bank Sinarmas -- a bank designated to receive deposits for hajj travel costs – complies with regulations in accepting
initial deposits for hajj travel costs. Customers can make initial deposit payments for hajj travel costs through electronic
banking services provided by the Bank.
16 Peraturan Bank Indonesia Nomor 23/11/PBI/2021 tentang Standar Nasional Sistem Pembayaran
12 Agustus 2021 National Payment System Standard
Bank Indonesia Regulation No. 23/11/PBI/2021, dated
August 12, 2021
214
2021 BANK
Regulasi Perihal
No
Regulation Subject

Bank dalam tahap melakukan penyesuaian pelaporan dan penyampaian data dan/atau informasi terkait pelaksanaan
pengawasan Sistem Pembayaran (SP) kepada Bank Indonesia (BI).
The Bank is adjusting how it reports and submits payment system monitoring data and information to Bank Indonesia.
17 Peraturan Bank Indonesia Nomor 23/13/PBI/2021 Tanggal Rasio Pembiayaan Inklusif Makroprudensial bagi Bank
12 Agustus 2021 Umum Konvensional, Bank Umum Syariah, dan Unit
Bank Indonesia Regulation No. 23/13/PBI/2021, dated Usaha Syariah
August 12, 2021 Macroprudential Inclusive Financing Ratio for
Conventional Commercial Banks, Sharia Commercial
Banks, and Sharia Business Units

1 Bank menyusun ketentuan internal Bank terkait pelaksanaan pembiayaan inklusif makroprudensial terhadap pemberian
pembiayaan dan pembelian surat berharga yang dilakukan Bank Sinarmas maupun Unit Usaha Syariah.
The Bank has drafted a regulation on macroprudential inclusive financing to allow the Bank and its Sharia Business Unit
to provide financing and purchase securities.
2 Bank menyusun rencana untuk mencapai kewajiban pemenuhan Rasio Pembiayaan Inklusif Makroprudensial (RPIM)
yang ditetapkan pada peraturan tersebut.
The Bank has prepared a plan to fulfill its macroprudential inclusive financing ratio obligation as stipulated in the
regulation.
3 Bank menyiapkan infrastruktur yang mendukung pelaksanaan monitoring dan pelaporan agar data dalam perhitungan
RPIM dapat disampaikan secara akurat dan terpenuhi sesuai peraturan tersebut.
The Bank has prepared infrastructure to support monitoring and reporting to deliver data to calculate the macroprudential
inclusive financing ratio accurately.
18 Peraturan Anggota Dewan Gubernur Nomor 23/15/ Implementasi Standar Nasional Open Application
PADG/2021 Tanggal 16 Agustus 2021 Programming Interface Pembayaran
Regulation of the Members of the Board of Governors No. Implementation of the National Standard for Open
23/15/PADG/2021, dated August 16, 2021 Application Programming Interface in Payments

Bank dalam tahap mereviu dan mengembangkan sesuai standar nasional Open API Pembayaran yang diterbitkan Regulator.
The Bank is currently reviewing and developing an interface according to the regulation on the National Standard for Open
Application Programming Interface in Payments issued by the regulator.
19 Peraturan Otoritas Jasa Keuangan Nomor 17/ Perubahan Kedua Atas Peraturan Otoritas Jasa
POJK.03/2021 Tanggal 10 September 2021 Keuangan Nomor 11/POJK.03/2020 Tentang
Financial Services Authority Regulation No. 17/ Stimulus Perekonomian Nasional Sebagai Kebijakan
POJK.03/2021, dated September 10, 2021 Countercyclical Dampak Penyebaran Coronavirus
Disease 2019
Second Amendment to Financial Services Authority
Regulation No. 11/POJK.03/2020 concerning the National
Economic Stimulus as a Countercyclical Policy for the
Impact of the Spread of Coronavirus Disease 2019
215
BANK 2021
Regulasi Perihal
No
Regulation Subject

Dengan adanya peraturan ini, Bank Sinarmas dapat menerapkan kebijakan yang mendukung stimulus pertumbuhan ekonomi
untuk debitur yang terkena dampak penyebaran COVID-19 hingga 31 Maret 2023 berupa penilaian kualitas aset berdasarkan
ketepatan pembayaran untuk kredit dengan plafon s.d. Rp10 Miliar, penetapan kualitas lancar atas kredit restrukturisasi, serta
penetapan kualitas kredit baru secara terpisah dari fasilitas existing sampai 31 Maret 2023.
This regulation allows Bank Sinarmas to adopt policies that support economic growth stimuli for debtors affected by the spread
of COVID-19. The support for the economic growth stimuli until March 31, 2023, is provided through asset quality assessments
based on the timeliness of payments for loans with a ceiling of up to Rp10 billion, granting a ‘good loan performance’ status
for restructured loans, and determining the quality of new loans separately from existing facilities.
20 Surat Edaran Otoritas Jasa Keuangan Nomor 24/ Perhitungan Aset Tertimbang Menurut Risiko untuk
SEOJK.03/2021 Tanggal 7 Oktober 2021 Risiko Kredit dengan Menggunakan Pendekatan Standar
Financial Services Authority Circular No. 24/ bagi Bank Umum (SEOJK ATMR Risiko Kredit)
SEOJK.03/2021, dated October 7, 2021 Calculation of Risk-Weighted Assets for Credit Risk Using
a Standard Approach for Commercial Banks

1. Dampak terhadap Bank adalah perubahan perhitungan ATMR Risko Kredit yang dapat berdampak pada strategi Bank
sehingga Bank perlu untuk menyesuaikan kebijakan internal dan juga berkewajiban dalam menyampaikan Laporan
perhitungan ATMR Risko Kredit- pendekatan standar.
The impact is a change in the calculation of the RWA for credit risk, which in turn can affect the Bank’s strategy. Therefore,
the Bank needs to adjust its internal policies and is obliged to submit a report on the calculation of the RWA for credit risk
using a standard approach.
2. Tindak lanjut Bank adalah Bank akan mempersiapkan perhitungan ATMR Risiko Kredit Pendekatan Standar dalam rasio
KPMM untuk posisi Januari 2023.
As a follow-up, the Bank will prepare the calculation of the Credit Risk RWA with a standard approach in CAR for January
2023.
PERUBAHAN KEBIJAKAN CHANGES IN ACCOUNTING

AKUNTANSI STANDARDS
PERUBAHAN PERNYATAAN STANDAR AKUNTANSI CHANGE IN THE INDONESIAN FINANCIAL

KEUANGAN (PSAK) ACCOUTING STANDARDS (PSAK)
Ikatan Akuntan Indonesia melakukan perubahan The Institute of Indonesia Chartered Accountants
terhadap standar akuntansi keuangan (SAK), yang made changes to the financial accounting standards
berlaku efektif 1 Januari 2021. (SAK). The changes became effective on January 1,
2021.
PENERAPAN STANDAR AKUNTANSI 2021 STANDARDS IMPLEMENTATION IN 2021
Penerapan standar akuntansi keuangan revisi berikut, The adoption of the following revised financial
yang berlaku efektif 1 Januari 2021, relevan bagi accounting standards, effective January 1, 2021, the
Perusahaan namun tidak menyebabkan perubahan following Indonesia Financial Accounting Standards
216
2021 BANK
signifikan atas kebijakan akuntansi Perusahaan dan (PSAK) are relevant to Bank Sinarmas. However,
tidak berdampak material terhadap jumlah-jumlah they do not cause significant changes to the Bank’s
yang dilaporkan dalam laporan keuangan: accounting policy or affect the amounts reported in
its financial statements.
• Amendemen PSAK No. 55: Instrumen Keuangan: • Amendment to PSAK 55: Financial Instruments:
Pengakuan dan Pengukuran, tentang Reformasi Recognition and Measurement, on Interest Rate
Acuan Suku Bunga – Tahap 2 Benchmark Reform – Phase 2
• Amendemen PSAK No. 60: Instrumen Keuangan: • Amendment to PSAK 60: Financial Instruments:
Pengungkapan, tentang Reformasi Acuan Suku Disclosures, Regarding Interest Rate Benchmark
Bunga – Tahap 2 Reform – Phase 2
• Amendemen PSAK No. 71: Instrumen Keuangan, • Amendment to PSAK 71: Financial Instruments,
tentang Reformasi Acuan Suku Bunga – Tahap 2 on Interest Rate Benchmark Reform – Phase 2
• Amendemen PSAK No. 73: Sewa, tentang • Amendment to PSAK 73: Lease, regarding Interest
Reformasi Acuan Suku Bunga - Tahap 2 Rate Benchmark Reform - Phase 2
• Amendemen PSAK No. 73: Sewa, tentang Konsesi • Amendment to PSAK 73: Lease, about Lease
Sewa terkait COVID-19 Concession related to COVID-19
PENERAPAN KEBIJAKAN PADA TAHUN 2020 STANDARDS IMPLEMENTATION IN 2020
Penerapan standar akuntansi keuangan revisi berikut, The adoption of the following revised financial
yang berlaku efektif 1 Januari 2020, relevan bagi accounting standards, effective January 1, 2020, the
Perusahaan namun tidak menyebabkan perubahan following Indonesia Financial Accounting Standards
signifikan atas kebijakan akuntansi Perusahaan dan (PSAK) are relevant to Bank Sinarmas. However,
tidak berdampak material terhadap jumlah-jumlah they do not cause significant changes to the Bank’s
yang dilaporkan dalam laporan keuangan: accounting policy or affect the amounts reported in
its financial statements.
• Amandemen PSAK No. 1: Penyajian Laporan • Amendment to PSAK 1: Presentation of Financial
Keuangan Statements
• Penyesuaian Tahunan PSAK No. 1: Penyajian • Annual Adjustment of PSAK No. 1: Presentation of
Laporan Keuangan Financial Statements
Penerapan standar akuntansi keuangan baru The adoption of the following revised financial
berikut, yang berlaku efektif sejak tanggal 1 Januari accounting standards, effective January 1, 2020, the
2020, relevan bagi Perusahaan dan menyebabkan following Indonesia Financial Accounting Standards
perubahan signifikan atas kebijakan akuntansi (PSAK) are relevant to Bank Sinarmas relevant to
Perusahaan serta berdampak material terhadap the Company and cause significant changes to the
jumlah-jumlah yang dilaporkan dalam laporan Company’s accounting policies and have a material
keuangan: impact on the amounts reported in the financial
statements:
• PSAK No. 71: Instrumen Keuangan • PSAK No. 71: Financial Instruments
• PSAK No. 73: Sewa • PSAK No. 73: Lease
Atas penerapan PSAK No. 71, Perusahaan mengakui Upon the application of PSAK 71, the Company
dampak kumulatif dari penerapan awal standar baru recognizes the cumulative effect of the initial adoption
sebagai penyesuaian terhadap saldo awal saldo laba of the new standard as an adjustment to the opening
sebagai berikut: balance of retained earnings as follows:
217
BANK 2021
Saldo laba belum ditentukan penggunaannya (Rp Juta)

Retained earnings that have not yet been determined (Rp Million)
Saldo 31 Desember 2019

1 .768.702
Balance as at 31 December 2019
Penyesuaian saldo atas penerapan awal PSAK No. 71:

Opening balance adjustment upon initial application PSAK 71:
Giro pada bank lain:

Demand deposits with other banks:
Kenaikan cadangan kerugian penurunan nilai

(140)
Increase in allowance for impairment losses
Penempatan pada bank lain:

Placements with other banks:

(199)
Efek-efek:
Securities:

(4.368)
Cadangan kerugian kredit ekspektasian - efek-efek untuk tujuan investasi pada nilai wajar melalui
penghasilan komphensif lain
(1.935)
Allowance for expected credit losses – marketable securities for investment purposes at fair value
through other comprehensive income
Kredit yang diberikan dan piutang/pembiayaan syariah:

(688.208)
Loans and receivables/sharia financing:

Tagihan akseptasi:
Acceptance receivables:
Kenaikan cadangan kerugian penilaian

73
Increase in allowance for impairment
Estimasi komitmen & kontijensi:

Estimated losses on commitments & contingencies:
(25.354)
Dampak pajak terkait

136.853
Impact of related taxes
Saldo 1 Januari 2020 setelah penyesuaian PSAK No. 71

1.185.278
Balance as at January 1, 2020 after adjustment to PSAK 71
218
2021 BANK
Atas penerapan PSAK No. 73 secara efektif untuk Upon the application of PSAK 73 effectively for the
tahun buku yang dimulai pada 1 Januari 2020, financial year of January 1, 2020, the Company did
Perusahaan tidak menyajikan kembali angka-angka not restate the comparative figures for the previous
komparatif untuk periode pelaporan sebelumnya reporting period as permitted under the special
sebagaimana diperbolehkan berdasarkan ketentuan transitional provisions in the standard.
transisi khusus dalam standar.
Tabel berikut menunjukkan saldo beberapa pos-pos The following table shows the balances of several
laporan posisi keuangan untuk saldo awal 1 Januari items in the financial statement for the opening
2020 setelah penerapan PSAK No. 71 dan PSAK No. 73. balance as at January 1, 2020, after the adoption of
PSAK 71 and PSAK 73.
Saldo 31 Penyesuaian Penyesuaian Saldo

Desember 2019 PSAK 71 PSAK 73 1 Januari 2020
Balance as at 31 Adjustment to Adjustment Balance as at 1
December 2019 PSAK 71 to PSAK 73 January 2020
LAPORAN POSISI KEUANGAN | FINANCIAL STATEMENT
Aset | Assets
Kas
615.219 - - 615.219
Cash
Giro pada Bank Indonesia

2.060.593 - - 2.060.593
Demand deposits with Bank Indonesia
Giro pada bank lain – bersih

360.934 (140) - 360.794
Demand deposits with other banks - net
Penempatan pada bank lain dan Bank Indonesia - -

Placements with other banks and Bank Indonesia 1.039.622 (199) - 1.039.423
Efek-efek – bersih
5.584.294 (4.368) - 5.579.926
Securities – net
Efek yang dibeli dengan janji jual

Securities purchased under resale agreements 108.665 - - 108.665
Kredit yang diberikan – bersih

21.314.497 (688.208) - 20.626.289
Loans granted – net
Tagihan akseptasi – bersih

265.212 (73) - 265.139
Acceptance receivables – net
Penyertaan modal sementara – bersih

318.345 - - 318.345
Temporary equity participation – net
Pendapatan yang masih akan diterima

220.625 - - 220.625
Accrued income
Biaya dibayar dimuka

1.724.015 - (24.059) 1.699.956
Prepaid expenses
Aset tetap dan Aset hak guna

1.399.242 - 121.819 1.521.061
Fixed and Right-of-use Assets
219
BANK 2021

Aset Ijarah – bersih

628.023 - - 628.023
Ijarah Assets – net
Aset lain-lain – bersih

920.270 - - 920.270
Other assets – net
Jumlah Aset
36.559.556 (692.988) 97.760 35.964.328
Total Assets
LIABILITAS, DANA SYIRKAH TEMPORER DAN EKUITAS

LIABILITIES, TEMPORARY SYIRKAH FUNDS, AND EQUITY
Liabilitas
Liabilities
Liabilitas segera
131.750 - - 131.750
Current liabilities
Simpanan
24.652.197 - - 24.652.197
Deposits
Simpanan dari bank lain

800.259 - - 800.259
Deposits from other banks
Efek yang dijual dengan janji dibeli kembali

236.699 - - 236.699
Securities sold under repurchase agreements
Utang pajak
38.428 - - 38.428
Taxes payable
Liabilitas Akseptasi
265.212 - - 265.212
Acceptance payables
Beban bunga akrual

30.775 - - 30.775
Accrued expenses
Liabilitas pajak tangguhan – bersih

123.277 (136.853) - (13.576)
Deferred tax liabilities – net
Liabilitas imbalan kerja jangka panjang

13.032 - - 13.032
Long-term employee benefits
Liabilitas lain-lain
94.290 25.354 97.760 217.404
Other liabilities
Jumlah liabilitas
26.385.919 (111.499) 97.760 26.372.180
Total liabilities
Dana Syirkah Temporer
Simpanan
3.567.660 - - 3.567.660
Deposits
Simpanan dari bank lain

531.514 - - 531.514
Deposits from other banks
Jumlah dana syirkah temporer

4.099.174 - - 4.099.174
Total temporary syirkah funds
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2021 BANK

Ekuitas
Modal saham
1.698.180 - - 1.698.180
Capital stock
Tambahan modal disetor – bersih

2.116.655 - - 2.116.655
Additional paid-in capital – net
Komponen ekuitas lainnya

483.426 1.935 - 485.361
Other equity components
Saldo Laba
Retained earnings
Ditentukan penggunaanya
7.500 - - 7.500
Appropriated
Tidak ditentukan penggunaanya

1.768.702 (583.424) - 1.185.278
Unappropriated
Jumlah ekuitas
6.074.463 (581.489) - 5.492.974
Total equity
Jumlah Liabilitas, dana syirkah temporer dan

Ekuitas
36.559.556 (692.988) 97.760 35.964.328
Total liabilities, temporary syirkah funds, and
equity
Saat penerapan pertama PSAK No. 73, Perusahaan When the first application of PSAK No. 73, the
menerapkan cara praktis berikut yang diizinkan oleh Company applies the following practical means
standar: permitted by the standard:
• tidak melakukan penilaian ulang untuk definisi • not reassess the definition of a lease in a contract
sewa dalam kontrak yang sebelumnya telah that has previously been identified as containing
diidentifikasi mengandung sewa. a lease.
• liabilitias sewa diukur dengan nilai sekarang dari • Lease liabilities are measured at the present value
sisa pembayaran sewa, didiskontokan dengan of the remaining lease payments, discounted at
suku bunga inkremental pada tanggal 1 Januari the incremental interest rate on January 1, 2020.
2020.
• menerapkan tingkat diskonto tunggal untuk • apply a single discount rate to the lease portfolio
portofolio sewa untuk perhitungan liabilitas sewa. for the calculation of lease liabilities.
• sewa operasi yang masa sewanya berakhir dalam • operating leases whose leases expire within 12
12 bulan dari 1 Januari 2020 diperlakukan sebagai months from 1 January 2020 are treated as short-
sewa jangka pendek. term leases.
• pengecualian biaya langsung awal dari pengukuran • exclusion of initial direct costs from measuring
aset hak- guna pada tanggal penerapan awal. right-of-use assets at the initial application date.
• menggunakan tinjauan ke belakang (hindsight) • use hindsight in determining the lease term if the
dalam menentukan masa sewa jika kontrak contract contains an option to extend or terminate
mengandung opsi untuk memperpanjang atau the lease.
menghentikan sewa.
• menerapkan pengecualian untuk sewa dengan • apply exceptions to leases with low value assets.
aset yang bernilai rendah.
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KESINAMBUNGAN USAHA
BUSINESS CONTINUITY
KONDISI YANG BERPENGARUH AFFECTING CONDITIONS
Sepanjang tahun 2021 kondisi perekonomian Throughout 2021, the global economic conditions
global cukup dinamis dengan pertumbuhan were quite dynamic, with economic growth
dan perlambatan ekonomi pada tiap periodenya. and slowdown in each period. The spread of the
Penyebaran pandemi COVID-19, khususnya varian coronavirus, particularly the delta variant, greatly
delta sangat mempengaruhi kondisi perekonomian affected the global economy. On the other hand,
global. Percepatan program vaksinasi yang terus the Government of Indonesia’s accelerated
dilakukan Pemerintah Indonesia membawa dampak vaccination program had a positive impact on
yang positif terhadap imunitas masyarakat sekaligus people’s immunity and boosted economic growth.
mendorong pertumbuhan ekonomi.
Perubahan iklim, cuaca ekstrim, dan krisis energi Climate change, extreme weather, and energy crises
juga menjadi perhatian ekonomi global di samping were also global economic concerns in addition to the
pandemi COVID-19. Sejumlah negara mulai COVID-9 pandemic. Some countries’ energy supply
terdampak pasokan energinya pasca melambatnya was affected by the slowdown in the distribution of
distribusi barang akibat pandemi. Harga minyak goods due to the pandemic. Global oil prices closed
dunia di akhir tahun 2021 ditutup dengan kenaikan with the most significant increase in the last five years
terbesar sepanjang lima tahun terakhir pada kisaran at around 50% at the end of 2021. The inflation rate
50%. Tingkat inflasi di negara-negara maju seperti in developed countries, including the US, was 5% YoY.
Amerika mencapai angka 5% yoy sementara Uni In comparison, the inflation rate in European Union
Eropa di angka 3,4 % yoy. countries was 3.4 % YoY.
Menteri Keuangan Republik Indonesia mengingatkan The Indonesian Minister of Finance reminded us
masih adanya potensi ketidakpastian yang perlu that potential uncertainties in the global economy
diwaspadai terkait perekonomian global di tahun still need to be watched out for in 2022. They
2022. Potensi tersebut antara lain inflasi dan masalah include inflation and monetary problems in the
moneter Amerika Serikat, kebijakan China dan US, China’s policies and their impact on the global
pengaruhnya terhadap ekonomi dunia, masalah economy, global distribution and supply issues, and
distribusi, dan suplai dunia, serta komitmen terhadap environmental commitments. We also need to be
masalah lingkungan. Kemunculan varian omicron aware of the newly emerging COVID-19 omicron
COVID-19 juga perlu diwaspadai agar tidak merebak variant and make sure that this variant will not spread
seperti varian delta. Dalam hal ini, pemerintah like the delta variant. In this case, the government has
telah memberi perhatian khusus dan mengimbau given special attention and appealed to the public to
masyarakat terus menaati protokol kesehatan. obey the health protocols.
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Kondisi-kondisi tersebut menjadi perhatian dunia These conditions have attracted the attention of
perbankan sebagai lembaga intermediasi, baik the banking world as an intermediary institution
dalam jangka pendek maupun menengah. Potensi in the short and medium term. However, the risk
meningkatnya risiko yang mungkin dialami management strategies employed by the Risk
Bank Sinarmas telah dimitigasi dengan strategi Management Group of Bank Sinarmas have mitigated
pengelolaan risiko oleh Risk Management Group. the potential for increased risk experienced by Bank
Sinarmas.
STRATEGI PENGELOLAAN POTENSI RISIKO POTENTIAL RISK MANAGEMENT STRATEGIES
Risk Management Group merupakan pihak The Risk Management Group is a party independent
independen terhadap satuan kerja operasional (risk- of risk-taking and internal controlling units, tasked
taking unit) dan satuan kerja fungsi pengendalian with managing potential risks that will affect the
intern. Tugasnya adalah mengelola potensi-potensi Bank’s business continuity. In addition, it is a business
risiko yang akan mempengaruhi kelangsungan usaha partner for other relevant work units, particularly in
Bank. Risk Management Group menjadi business risk management strategies that have an impact on
partner bagi unit-unit kerja terkait lainnya, terutama the Bank’s business continuity.
dalam strategi pengelolaan risiko yang berdampak
pada keberlangsungan usaha Bank.
1. Implementasi Budaya Sadar Risiko 1. Implementation of the Risk Awareness Campaign
Insiatif ini dijalankan untuk mendorong pemilik Program. This initiative aims to encourage risk
risiko di seluruh jenjang organisasi Bank agar owners at all levels within the Bank’s organization
meningkatkan budaya kesadaran risiko (Risk to improve its risk awareness culture (the Risk
Awareness Campaign Program) melalui berbagai Awareness Campaign Program). Risk awareness
media, antara lain email, diskusi kelompok, Zoom campaigns are carried out through various
meeting, sosialisasi atau pelatihan di ruang kelas media, including e-mail, group discussions, Zoom
atau e-learning, Key Risk Indicator, dan Risk meetings, socialization or training in classrooms
Control Self Assessment. or e-learning, key risk indicators, and risk control
self-assessment.
2. Kecukupan Kebijakan, Prosedur, Penetapan Limit, 2. Adequacy of Policies, Procedures, Thresholds,
dan Kaji Ulang and Review. The Bank has been continuously
Bank terus berupaya untuk mengembangkan, striving to develop, maintain, and monitor risk
memelihara dan memantau Kebijakan, Prosedur management policies, procedures, and thresholds
dan Limit Manajemen Risiko agar dilaksanakan for implementation according to the Bank’s
sesuai dengan strategi bisnis, karakteristik dan business strategies, characteristics, complexity,
kompleksitas kegiatan usaha Bank, risk appetite, risk appetite, risk tolerance, and regulations issued
risk tolerance serta ketentuan yang ditetapkan by the authority and sound banking practices.
oleh otoritas dan/atau praktik perbankan yang They are carried out by, among others, preparing
sehat. Hal ini antara lain dilakukan melalui and reviewing several policies, determining and
penyusunan dan kaji ulang beberapa kebijakan, reviewing risk appetite and risk tolerance limits
penetapan dan kaji ulang limit risk appetite dan for dominant risks, including credit risk, market
risk tolerance untuk risiko yang dominan bagi risk, liquidity risk, and operational risk.
bank antara lain risiko kredit, risiko pasar, risiko
likuiditas, dan risiko operasional.
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BANK 2021
3. Kecukupan Proses Identifikasi, Pemantauan, 3. Adequacy of Risk Identification, Monitoring,

Pengukuran dan Pengendalian Risiko Penerapan Measurement and Control Processes Risk
proses identifikasi, pemantauan, pengukuran, identification, monitoring, measurement, and
dan pengendalian risiko antara lain dilakukan control are performed by, among others:
dengan cara:
a) Mengembangkan dan menerapkan a) Developing and using methods, procedures,
metodologi, prosedur, dan perangkat untuk and tools to identify, assess, monitor, and
identifikasi, pengukuran, pemantauan dan control risks arising from all bank products
pengendalian Risiko yang timbul dari seluruh and activities according to the Bank’s business
produk/aktivitas bank sesuai dengan strategi, strategies, risk appetite, and business
risk appetite, dan kompleksitas usaha bank. complexity;
b) Menganalisis potensi kerugian dari aktivitas b) Analyzing potential losses from bank activities
dan produk bank serta dampaknya terhadap and products and their impact on the Bank’s
Profil Risiko dan permodalan Bank. risk profile and capital;
c) Memberikan rekomendasi kepada risk taking c) Providing recommendations to risk-taking
unit, unit pendukung, dan/atau komite atas units, support units, and committees on
proposal yang diajukan sesuai kewenangan proposals submitted according to their
yang dimiliki dituangkan dalam Telaah Risiko respective authority as outlined in the risk
dan Kajian Risiko. analysis and assessment;
d) Melakukan simulasi dan/atau stress testing d) Performing simulations and stress testing to
untuk melengkapi sistem pengukuran Risiko complement the risk measurement system
dengan memperkirakan penggunaan limit by estimating the limit and potential losses of
dan potensi kerugian Bank pada kondisi pasar the Bank under abnormal market conditions
yang tidak normal dengan menggunakan by adopting a particular scenario to identify
skenario tertentu untuk melihat sensitivitas the sensitivity of the Bank’s performance to
kinerja Bank terhadap perubahan faktor changes in the risk factors and identify factors
Risiko dan mengidentifikasi faktor yang that have a significant impact on the Bank’s
berdampak signifikan terhadap portofolio portfolio.
Bank.
e) Pemantauan posisi risiko Bank secara e) Monitoring the Bank’s composite risk and
keseluruhan (composite), maupun per individual risk type and risk functional activity
masing-masing jenis risiko dan per jenis against the determined risk appetite and risk
aktivitas fungsional terhadap risk appetite tolerance.
dan risk tolerance yang ditetapkan.
f) Penilaian terhadap komposit Risiko Bank f) Assessing the risk composite of conventional
Konvensional, UUS dan Terintegrasi, Laporan banks, SBUs, and integrated banks and
Tingkat Kesehatan Bank, Laporan KPMM assessing bank soundness level reports, bank
Bank, dan Terintegrasi secara berkala. minimum capital requirement reports, and
integrated reports periodically.
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2021 BANK
4. Menyampaikan Informasi Risiko yang efektif 4. Effective Delivery of Risk Information according to
sesuai dengan karakteristik dan kompleksitas the characteristics and complexity of the Bank’s
kegiatan usaha dan profil risiko bank guna business activities and risk profile to assist the
membantu Direksi, Dewan Komisaris, Komite Board of Directors, Board of Commissioners, Risk
Manajemen Risiko, dan Komite Pemantauan Management Committee, and Risk Monitoring
Risiko dalam mengelola risiko, memperkuat aspek Committee in managing risk, strengthening
pengendalian risiko dan melindungi kepentingan risk control, and protecting the interests of
pemegang saham. shareholders.
5. Kecukupan Kompetensi Sumber Daya Manusia, 5. Adequacy of Human Resources Competence. The
antara lain dengan memastikan struktur Bank ensures the organizational structure and
organisasi dan kecukupan Sumber Daya Manusia human resources of the Risk Management Group
Risk Management Group memadai sesuai dengan are adequate according to the size and complexity
ukuran dan kompleksitas usaha, menetapkan of the business. It also clearly segregates the duties
tugas dan tanggung jawab yang jelas pada and responsibilities of each division according
masing-masing divisi sesuai karakteristik dan to its characteristics and risk profile and ensures
profil risiko bank dan memastikan kecukupan adequate competencies to support effective risk
kompetensi guna mendukung penerapan management.
manajemen risiko secara efektif.
HASIL ASSESSMENT BANK DAN ASUMSI YANG BANK ASSESSMENT RESULTS AND ASSUMPTIONS
DIGUNAKAN USED
Bank Sinarmas mengantisipasi potensi risiko karena Bank Sinarmas has anticipated potential risks due to
kondisi pandemi COVID-19 terhadap keberlangsungan the COVID-19 pandemic on its business continuity.
usaha. Beberapa strategi terus dilakukan, antara Several strategies continue to be employed, including
lain mengambil langkah antisipatif penyebaran taking anticipatory measures against the spread of the
virus di lingkungan kantor dengan melakukan split virus in the immediate vicinity of its offices by splitting
operation unit critical , work from home, dan tindakan the operations of critical units, complying with the rule
pencegahan lainnya. Bank juga melaksanakan of working from home, and taking other preventive
restrukturisasi dan menyalurkan kredit secara lebih measures. The Bank also carries out restructuring and
selektif kepada nasabah. Bank senantiasa menjaga approves customer loan applications more selectively.
likuiditas dan permodalan pada level yang memadai In addition, it always maintains its liquidity and capital
sehingga aktivitas operasional & bisnis dapat berjalan at an adequate level to ensure that its operations and
dengan lancar. business activities run smoothly.
Sesuai ketentuan pelaksanaan tata kelola perusahaan To comply with the provision of good corporate
yang baik, Bank melakukan self assessment untuk governance, the Bank has conducted a self-assessment
mengukur tingkat kesehatan Bank. Berdasarkan to measure its soundness level. The self-assessment in
hasil self assessment tahun 2021, dinilai bahwa 2021 revealed that the Bank’s soundness rating was 2
Tingkat Kesehatan Bank berada di peringkat 2 (dua) or “healthy.” This rating represents the Bank’s ability to
atau “Sehat”. Hal ini menunjukkan Bank mampu identify, anticipate, follow up, and mitigate risks that
melakukan identifikasi, antisipasi, menindaklanjuti may affect its business continuity.
sekaligus memitigasi risiko-risiko yang dapat
mempengaruhi kesinambungan usaha Bank.
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BANK 2021
Self assessment yang dilakukan oleh Bank telah The self-assessment carried out by the Bank
mempertimbangkan antara lain : considered, among others:
• Action plan dan/atau upaya perbaikan yang telah • Its action plan and improvement efforts in 2021;
dilakukan oleh Bank selama Tahun 2021;
• Pandemi COVID-19 yang masih berlanjut dan • The ongoing COVID-19 pandemic and
proyeksi perekonomian masih belum membaik economic projections – which had not
serta potensi kenaikan risiko kredit dan risiko improved, and potentially increased credit risk
operasional pada aktivitas bisnis industri and operational risk in its business activities;
perbankan;
• Adanya Ketentuan Regulator POJK No. 48/ • The existence of Financial Services Authority
POJK.03/2020 dan POJK No. 11/POJK.03/2020 Regulation No. 48/POJK.03/2020 and Financial
tentang Stimulus Perekonomian Nasional Sebagai Services Authority Regulation No. 11/POJK.03/2020
Kebijakan Countercyclical dampak penyebaran concerning the National Economic Stimulus
COVID-19 di mana Bank dapat restrukturisasi as a Countercyclical Policy for the Impact of
untuk debitur yang usahanya terkena dampak the Spread of Coronavirus Disease 2019. Both
COVID-19 sebagai langkah antisipatif dan regulations allowed the Bank to restructure the
lanjutan untuk mendorong optimalisasi kinerja loans of debtors whose businesses were effected
perbankan, menjaga stabilitas sistem keuangan, by COVID-19 as an anticipatory and follow-up
dan mendukung pertumbuhan ekonomi dengan measure to encourage optimization of banking
tetap menerapkan prinsip kehatihatian dan performance, maintain financial system stability,
menghindari terjadinya moral hazard; and support economic growth while still applying
the precautionary principle and avoiding the
creation of a moral hazard;
• Selama Tahun 2021, seluruh aktivitas operasional • During 2021, operational activities are under
dapat terkendali dan berjalan dengan baik. controlled and good management.
TINGKAT KESEHATAN BANK SECARA INDIVIDU (SELF-ASSESSMENT)

Self-Assessment of Bank Soundness Level
Peringkat
Rating
Faktor-faktor Penilaian Assessment Factors
2021 2020
Risk-Based Soundness
Peringkat TKB Berdasarkan Risiko 2 2
Rating
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TATA KELOLA
PERUSAHAAN
Corporate Governance
Penerapan tata kelola perusahaan yang baik menjadi dasar bagi

kami dalam menjaga keberlanjutan dan memaksimalkan nilai
perusahaan.
Good corporate governance implementation is our basis in
maintaining sustainability and maximizing corporate value.
BANK 2021
PENERAPAN TATA KELOLA CORPORATE GOVERNANCE

PERUSAHAAN IMPLEMENTATION
Bank Sinarmas memiliki komitmen untuk Bank Sinarmas is committed to implementing

menerapkan tata kelola perusahaan yang baik good corporate governance in every aspect of its
pada setiap aspek bisnis dalam seluruh struktur business throughout its organizational structure. This
organisasinya. Penerapan ini telah dilakukan mulai implementation has been carried out starting from
dari tingkat jajaran Dewan Komisaris, Direksi, hingga the levels of the Board of Commissioners, Directors, to
unit organisasi terbawah dan hubungannya dengan the lowest organizational units and their relationships
para pemangku kepentingan. Bank Sinarmas terus with stakeholders. Bank Sinarmas continues to
meningkatkan kualitas penerapan tata kelola di improve the quality of governance implementation
seluruh lini organisasi, dengan melakukan review dan in all lines of the organization by conducting periodic
penyesuaian terhadap kebijakan secara berkala. reviews and adjustments to policies.
ASAS DALAM PENERAPAN GCG PRINCIPLES IN GCG IMPLEMENTATION
Bank Sinarmas menerapkan lima asas GCG sesuai Bank Sinarmas applies the five principles of GCG in
dengan ketentuan perundang-undangan yang accordance with the provisions of the applicable laws,
berlaku, sebagai berikut: as follows:
Asas Prinsip Dasar Penerapan Di Bank Sinarmas

Principle Basic Principle Application At Bank Sinarmas
Transparansi Keterbukaan dalam mengemukakan Bank telah menerapkan keterbukaan informasi melalui
Transparency informasi yang material dan relevan serta website resmi dan menyampaikannya secara berkala
keterbukaan dalam melaksanakan proses dan tertentu kepada regulator.
pengambilan keputusan.
Openness in presenting material and relevant The Bank has implemented information disclosure
information and openness in carrying out the through the official website and submits it periodically
decision-making process. and specifically to the regulator.
Akuntabilitas Kejelasan fungsi dan pelaksanaan Bank telah menetapkan rincian tugas dan tanggung
Accountability pertanggungjawaban organ Bank sehingga jawab masing-masing organ perusahaan dan semua
pengelolaannya berjalan secara efektif. karyawan secara jelas dan selaras dengan visi, misi, nilai-
nilai, dan strategi perusahaan.
Clarity of functions and implementation of The Bank has determined the detailed duties and
the responsibilities of the Bank’s organs so responsibilities of each company organ and all
that their management runs effectively. employees clearly and in line with the company’s vision,
mission, values, and strategy.
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2021 BANK
Responsibilitas Kesesuaian pengelolaan Bank dengan Bank berpegang pada prinsip kehati-hatian dan
Responsibility peraturan perundang-undangan dan prinsip- memastikan kepatuhan seluruh organ terhadap
prinsip pengelolaan Bank yang sehat. peraturan perundang-undangan, anggaran dasar dan
peraturan perusahaan (by-laws).
Conformity of the Bank’s management with The Bank adheres to the precautionary principle
the laws and regulations and the principles of and ensures compliance of all organs with laws and
sound Bank management. regulations, articles of association and company
regulations (by-laws).
Independensi Pengelolaan Bank secara profesional tanpa Bank menghindari terjadinya dominasi, bebas dari
Independence pengaruh atau tekanan dari pihak manapun. benturan kepentingan, segala pengaruh atau tekanan
dari pihak mana pun, sehingga pengambilan keputusan
dapat dilakukan secara objektif.
Conformity of the Bank’s management with The Bank adheres to the precautionary principle
the laws and regulations and the principles of and ensures compliance of all organs with laws and
sound Bank management. regulations, articles of association and company
regulations (by-laws).
Kewajaran dan Keadilan dan kesetaraan dalam memenuhi Bank memberi kesempatan yang setara kepada seluruh
Kesetaraan hak-hak para Pemangku Kepentingan yang pemangku kepentingan untuk memberikan masukan
Fairness & timbul berdasarkan perjanjian dan peraturan dan menyampaikan pendapat bagi kepentingan
Equality perundang-undangan. perusahaan serta membuka akses terhadap informasi
sesuai dengan prinsip transparansi dalam lingkup
kedudukan masing-masing.
Justice and equality in fulfilling the rights The Bank provides equal opportunities to all stakeholders
of the Stakeholders that arise based on to provide input and express opinions for the interests
agreements and statutory regulations. of the company as well as open access to information
in accordance with the principle of transparency within
the scope of their respective positions.
DASAR HUKUM PELAKSANAAN LEGAL BASIS OF IMPLEMENTATION
Dasar hukum penerapan GCG di Bank Sinarmas The legal basis for implementing GCG at Bank
merujuk pada ketentuan-ketentuan yang berlaku Sinarmas refers to the applicable provisions, including:
antara lain meliputi:
1. Undang-Undang Republik Indonesia 1. Law of the Republic of Indonesia

• Undang-Undang Republik Indonesia No. 10 • Law of the Republic of Indonesia No. 10 of 1998
tahun 1998 tentang perubahan atas Undang- on the amendments to Law No. 7 of 1992 on
undang No. 7 tahun 1992 tentang Perbankan. Banking.
• Undang-Undang Republik Indonesia No. 40 • Law of the Republic of Indonesia No. 40 of
tahun 2007 tentang Perseroan Terbatas. 2007 on Limited Liability Companies.
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BANK 2021
2. Peraturan Bank Indonesia 2. Bank Indonesia Regulations

• Peraturan Bank Indonesia No.11/33/ • Bank Indonesia Regulation No.11/33/
PBI/2009 tanggal 7 Desember 2009 tentang PBI/2009 dated 7 December 2009 on
Pelaksanaan Good Corporate Governance the Implementation of Good Corporate
bagi Bank Umum Syariah dan Unit Usaha Governance for Islamic Commercial Banks
Syariah. and Sharia Business Units.
• Surat Edaran Bank Indonesia No.12/13/DPbS • Circular Letter of Bank Indonesia No.12/13/DPbS
tanggal 30 April 2010 tentang Pelaksanaan dated 30 April 2010 on the Implementation
Good Corporate Governance bagi Bank of Good Corporate Governance for Sharia
Umum Syariah dan Unit Usaha Syariah. Commercial Banks and Sharia Business Units.
3. Peraturan Otoritas Jasa Keuangan (POJK) dan 3. Financial Services Authority Regulations
Surat Edaran Otoritas Jasa Keuangan (SEOJK) • Financial Services Authority Regulation No.
• Peraturan Otoritas Jasa Keuangan No. 55/ 55/ POJK.03/2016 dated 7 December 2016
POJK.03/2016 tanggal 7 Desember 2016 on the Implementation of Governance for
tentang Penerapan Tata Kelola bagi Bank Commercial Banks.
Umum.
• Surat Edaran Otoritas Jasa Keuangan No. 13/ • Circular Letter of Financial Services Authority
SEOJK.03/2017 tanggal 17 Maret 2017 tentang No.13/ SEOJK.03/2017 dated 17 March 2017
Penerapan Tata Kelola bagi Bank Umum. on the Implementation of Governance for
Commercial Banks.
• Peraturan Otoritas Jasa Keuangan No. 21/ • Financial Services Authority Regulation No.21/
POJK.04/2015 tanggal 16 November 2015 POJK.04/2015 dated 16 November 2015 on the
tentang Penerapan Pedoman Tata Kelola Implementation of Governance Guidelines for
Perusahaan Terbuka. Public Companies.
• Peraturan Otoritas Jasa Keuangan No. 8/ • Financial Services Authority Regulation No.8/
POJK.04/2015 tanggal 26 Juni 2015 tentang POJK.04/2015 dated 26 June 2015 on the
Situs Web Emiten atau Perusahaan Publik. Website of Issuers or Public Companies.
• Surat Edaran Otoritas Jasa Keuangan No.32/ • Circular Letter of Financial Services Authority
SEOJK.04/2015 tanggal 17 November 2015 No. 32/ SEOJK.04/2015 dated 17 November
tentang Pedoman Tata Kelola Perusahaan 2015 on the Governance Guidelines for Public
Terbuka. Companies.
• Peraturan Otoritas Jasa Keuangan No.18/ • Financial Services Authority Regulation No. 18/
POJK.03/2014 tanggal 19 November 2014 POJK.03/2014 dated 19 November 2014 on the
tentang Penerapan Tata Kelola Terintegrasi Implementation of Integrated Governance for
bagi Konglomerasi Keuangan. Financial Conglomerates.
4. Pedoman Implementasi GCG 4. GCG Implementation Guidelines

• Pedoman GCG Indonesia yang dikembangkan • Indonesian GCG Guidelines developed by the
oleh Komite Nasional Kebijakan Governance. National Committee on Governance Policy
• Pedoman GCG Perbankan Indonesia yang • Indonesian Banking GCG Guidelines
dikembangkan oleh Komite Nasional developed by the National Committee on
Kebijakan Governance. Governance Policy.
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ORGANISASI PENERAPAN TATA KELOLA GOVERNANCE IMPLEMENTATION

ORGANIZATIONS
Struktur organisasi penerapan GCG yang berlaku di The organizational structure of the GCG implementation
Bank Sinarmas per 31 Desember 2021 adalah sebagai applicable at Bank Sinarmas as of 31 December 2021 is
berikut: as follows:
Rapat Umum Pemegang Saham

General Meeting Shareholders
Dewan Komisaris Direksi

Board of Commissioners Board of Directors
Komite Tata Kelola Terintegrasi Komite Manajemen Risiko Terintegrasi

Integrated Governance Committee Intergrated Risk Management Committee
Satuan Kerja Audit Internal

Internal Audit Work Unit
ALMA & ALCO
Komite Kredit
Komite Audit Credit Committee
Audit Committee
Komite Informasi & Teknologi

Komite Pemantau Risiko IT Committee
Risk Monitoring Committee
Komite Human Capital

Komite Remunerasi & Nominasi Human Capital Committee
Remuneration & Nomination Committee
Komite Manajemen Risiko Terintegrasi

Integrated Risk Management Committee
Satuan Kerja Manajemen Risiko Satuan Kerja Kepatuhan Corporate Secretary

Risk, Management Unit Compliance Work Units Corporate Secretary
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Tata kelola perusahaan terdiri dari tiga struktur Corporate governance consists of three organizational
organisasi yaitu organ utama, organ pendukung structures, namely main organs, supporting organs
dan infrastruktur GCG. Organ utama meliputi Rapat and GCG infrastructure. The main organs include
Umum Pemegang Saham (RUPS), Dewan Komisaris the General Meeting of Shareholders (GMS), the
dan Direksi. Organ pendukung terdiri dari komite- Board of Commissioners and the Board of Directors.
komite tingkat dewan komisaris, komite-komite Supporting organs consist of committees at the
tingkat direksi, sekretaris perusahaan, unit bisnis/ level of the Board of Commissioners, committees at
unit kerja, serta unit independen. Infrastruktur GCG the level of Directors, company secretaries, business
meliputi peraturan perusahaan, kode etik dan perilaku units/work units, and independent units. GCG
kepegawaian, kebijakan dan prosedur tata kelola. infrastructure includes company regulations, code of
ethics and personnel behavior, governance policies
and procedures.
Dewan komisaris menjalankan fungsi pengawasan The board of commissioners carries out the supervisory
dengan dibantu komite di tingkat Dewan Komisaris, function with the assistance of committees at the
yaitu: board of commissioners level, namely:
1. Komite Audit 1. Audit Committee
2. Komite Pemantau Risiko 2. Risk Monitoring Committee
3. Komite Remunerasi & Nominasi 3. Remuneration & Nomination Committee
4. Komite Tata Kelola Terintegrasi 4. Integrated Governance Committee
Direksi bersama jajaran manajemen bertugas untuk The Board of Directors and management are tasked
mengelola, mengendalikan serta bertanggung jawab with managing, controlling and being responsible
atas penerapan tata kelola di Bank Sinarmas dengan for the implementation of good governance at Bank
dibantu oleh satuan kerja audit internal, satuan kerja Sinarmas, assisted by the Internal Audit Work Unit,
manajemen risiko, Satuan Kerja Audit Internal, Satuan Risk Management Work Unit, Compliance Work Unit,
Kerja Manajemen Risiko, Satuan Kerja Kepatuhan, Corporate Secretary and committees at the Board of
Corporate Secretary serta komite di tingkat Direksi, Directors level, namely:
yaitu:
1. ALMA & ALCO 1. ALMA & ALCO
2. Komite Manajemen Risiko 2. Risk Management Committee
3. Komite Kredit 3. Credit Committee
4. Komite Information Technology (IT) 4. Information Technology (IT) Committee
5. Komite Human Capital 5. Human Capital Committee
6. Komite Manajemen Risiko Terintegrasi 6. Integrated Risk Management Committee
Komitmen dan Realisasi Penerapan GCG Commitment and Realization of GCG

Bank Sinarmas berkomitmen untuk senantiasa Bank Sinarmas is committed to always placing
menempatkan tata kelola sebagai landasan utama governance as the main foundation of running a
menjalankan bisnis, serta mempertahankan business, as well as maintaining the existence of the
eksistensi Bank dalam menghadapi tantangan dan Bank in facing challenges and business competition.
persaingan usaha. Sebagai wujud komitmen, Bank As a form of commitment, Bank Sinarmas has issued
Sinarmas telah mengeluarkan beberapa kebijakan several main governance policies in accordance
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pokok tata kelola sesuai dengan kebutuhan Bank with the needs of the Bank and the prevailing laws
dan peraturan perundang-undangan yang berlaku. and regulations. These policies include corporate
Kebijakan-kebijakan tersebut meliputi pedoman tata governance guidelines, code of ethics and code of
kelola perusahaan, kode etik dan pedoman tingkah conduct, board manuals, whistleblowing system, and
laku, board manual, whistleblowing system, dan various bank operational policies.
berbagai kebijakan operasional bank.
Tinjauan Realisasi Tahun 2021 2021 Realization Review

Penerapan tata kelola perusahaan yang baik The implementation of good corporate governance
merupakan suatu keharusan demi menjaga is a must in order to maintain long-term business
kelangsungan usaha jangka panjang dan continuity and maximize company value. In 2021,
memaksimalkan nilai perusahaan. Pada tahun Bank Sinarmas prioritizes updating bank governance
2021, Bank Sinarmas mengedepankan pengkinian policies and integrated governance, focusing on
kebijakan tata kelola bank dan tata kelola terintegrasi, monitoring for new products and activities as well
fokus terhadap monitoring untuk produk dan aktivitas as reporting, commitment to audit compliance and
baru maupun pelaporan, komitmen pemenuhan compliance with data to regulators.
audit serta pemenuhan data kepada regulator.
Bank Sinarmas dan konglomerasi keuangan Bank Sinarmas and the financial conglomerate Sinar
Sinar Mas memfokuskan pelaksanaan tata kelola Mas focus on the implementation of good corporate
perusahaan yang baik dengan mempertahankan governance by maintaining and improving the
dan meningkatkan pelaksanaan GCG berlandaskan implementation of GCG based on 5 (five) principles of
5 (lima) prinsip tata kelola yang baik, sebagai berikut: good governance, as follows:
1. Prinsip Transparansi (Transparancy) 1. Transparency Principle
a. Bank mengungkapkan informasi secara a. The Bank discloses information in a timely,
tepat waktu, memadai, jelas, akurat, dapat adequate, clear, accurate, and comparable
diperbandingkan serta dapat diakses oleh manner and can be accessed by the
pemangku kepentingan. stakeholders.
b. Bank mengungkapkan informasi yang b. The Bank discloses information which includes
meliputi tetapi tidak terbatas pada visi, but is not limited to the vision, mission, business
misi, sasaran usaha, strategi Bank, kondisi objectives, Bank strategy, financial and non-
keuangan dan Non-keuangan Bank, susunan financial conditions of the Bank, composition
direksi dan dewan komisaris, pemegang of the Board of Directors and Board of
saham pengendali, pengelolaan risiko, sistem Commissioners, controlling shareholders, risk
pengawasan dan pengendalian internal, management, internal supervision and control
penerapan fungsi kepatuhan, sistem dan systems, implementation of the compliance
implementasi Good Corporate Governance function, system and implementation of Good
serta informasi dan fakta material yang dapat Corporate Governance, as well as material
mempengaruhi keputusan pemodal. information and facts that may influence
investors’ decisions.
c. Kebijakan Bank harus tertulis dan c. The Bank’s policies must be written and
dikomunikasikan kepada pemangku communicated to stakeholders who are
kepentingan yang berhak memperoleh entitled to obtain information about the policy.
informasi tentang kebijakan tersebut.
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d. Prinsip keterbukaan tetap memperhatikan d. The transparency principle observes the

ketentuan rahasia Bank, rahasia jabatan, provisions of Bank confidentiality, position
dan hak-hak pribadi sesuai peraturan yang confidentiality, and personal rights in
berlaku. accordance with the prevailing regulations.
e. Keterbukaan dalam mengemukakan e. Transparency in conveying material and
informasi yang material dan relevan serta relevant information as well as transparency in
keterbukaan dalam proses pengambilan decision-making process.
keputusan.
2. Prinsip Akuntabilitas (Accountability) 2. Accountability Principle
a. Bank menetapkan sasaran usaha dan strategi a. The Bank sets business targets and strategies
untuk dapat dipertanggungjawabkan kepada that are accountable to stakeholders.
pemangku kepentingan.
b. Bank menetapkan tugas dan tanggung jawab b. The Bank sets clear duties and responsibilities
yang jelas bagi masing-masing anggota for each member of the Board of Commissioners
dewan komisaris, direksi dan seluruh jajaran di and Board of Directors, as well as all levels under
bawahnya yang selaras dengan visi, misi, nilai- them that are in line with the vision, mission,
nilai perusahaan, sasaran usaha dan strategi Corporate values, and the Bank’s business
bank. objectives and strategies.
c. Bank meyakini bahwa masing-masing c. The Bank believes that each member of
anggota Dewan Komisaris dan Direksi the Board of Commissioners and Board of
maupun seluruh jajaran di bawahnya Directors as well as all ranks under them to
mempunyai kompetensi sesuai dengan have the competence in accordance with their
tanggung jawabnya dan memahami responsibilities and understand their role in the
perannya dalam pelaksanaan GCG. implementation of Good Corporate Governance.
d. Bank menetapkan check and balance system d. The Bank establishes a check and balance
dalam pengelolaan bank yang memiliki system in the management of the Bank,
ukuran kinerja dari semua jajaran bank which has a performance measure of all Bank
berdasarkan ukuran yang disepakati secara employees based on the agreed measurements
konsisten dengan nilai perusahaan, sasaran that are consistent with corporate values (Culture
usaha, dan strategi bank serta memiliki Values), Bank’s business goals strategies, and
rewards and punishment system. has established a rewards and punishment
system.
e. Kejelasan fungsi dan pelaksanaan e. Clarity of functions and implementation
pertanggungjawaban organ dalam of accountability of organs in the Financial
konglomerasi keuangan sehingga Conglomerate to ensure that their
pengelolaannya berjalan secara efektif. management runs effectively.
3. Prinsip Tanggung Jawab (Responsibility) 3. Responsibility Principle
a. Bank berpegang pada prinsip kehati-hatian a. The Bank adheres to the principles of prudence
(prudential Banking practices) dan menjamin (prudential banking practices) and ensures
kepatuhan terhadap peraturan yang berlaku. compliance with applicable regulations.
b. Bank peduli terhadap lingkungan dan b. The Bank cares for the environment and
melaksanakan tanggung jawab sosial secara carries out social responsibility appropriately.
wajar.
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c. Kesesuaian pengelolaan entitas utama dan c. The conformity of the management of the
Lembaga Jasa Keuangan (LJK) dengan Main Entity and Financial Service Institution
peraturan perundang-undangan dan prinsip- (LJK) with laws and regulations and sound
prinsip pengelolaan yang sehat. management principles.
4. Prinsip Independensi (Independency) 4. Independency Principle
a. Bank menghindari terjadinya dominasi yang a. The Bank avoids unnatural dominance of any
tidak wajar oleh pemangku kepentingan stakeholder and is not affected by unilateral
manapun dan tidak terpengaruh oleh interests and is free from conflict of interest.
kepentingan sepihak serta terbebas dari
benturan kepentingan.
b. Bank mengambil keputusan secara objektif b. The Bank makes decisions objectively and
dan bebas dari segala tekanan dari pihak free from any pressure from any party.
manapun.
c. Pengelolaan konglomerasi keuangan secara c. Management of the Financial Conglomerate
profesional tanpa pengaruh atau tekanan dari in a professional manner without any influence
pihak manapun. or pressure from any party.
5. Prinsip Kewajaran dan Kesetaraan (Fairness) 5. Fairness and Equality Principle
a. Bank memperhatikan kepentingan seluruh a. The Bank considers the interests of all
pemangku kepentingan berdasarkan asas stakeholders based on the principle of fairness
kesetaraan dan kewajaran (equal treatment). and equality (equal treatment).
b. Bank memberikan kesempatan kepada b. The Bank provides the opportunity for all
seluruh pemangku kepentingan untuk stakeholders to provide input and express
memberikan masukan dan menyampaikan opinions in the interests of the Bank as well as
pendapat bagi kepentingan Bank serta opening access to information in accordance
membuka akses terhadap informasi sesuai with the transparency principle.
dengan prinsip keterbukaan.
c. Keadilan dan kesetaraan dalam memenuhi c. Fairness and equality in fulfilling the rights of
hak-hak pemangku kepentingan yang stakeholders arising from agreements and
timbul berdasarkan perjanjian dan peraturan laws and regulations.
perundang-undangan.
Bank Sinarmas meyakini penerapan prinsip-prinsip Bank Sinarmas believes that the application of the
dasar GCG akan menjamin terciptanya peningkatan basic principles of GCG will ensure the creation of an
kualitas pelaksanaan GCG yang dapat memperkuat increase in the quality of GCG implementation which
industri perbankan nasional sesuai dengan Arsitektur can strengthen the national banking industry in
Perbankan Indonesia. accordance with the Indonesian Banking Architecture.
Penerapan Tata Kelola Implementation of Governance

Penerapan tata kelola dibangun atas integritas The implementation of governance is built on high
yang tinggi sehingga prinsip-prinsip tata kelola integrity so that the principles of governance can be
dapat dilaksanakan secara efektif, konsisten, dan implemented effectively, consistently, and sustainably.
berkesinambungan.
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Bank Sinarmas menerapkan empat aspek dasar Bank Sinarmas applies four basic aspects of
penilaian tata kelola dalam menjalankan tata kelola governance assessment in carrying out corporate
perusahaan, yaitu: governance, namely:
1. Governance commitment 1. Governance commitment
Dewan komisaris, direksi, beserta seluruh lini The board of commissioners, directors, and all lines
organisasi memiliki komitmen untuk menerapkan of the organization are committed to implementing
dan menegakkan tata kelola Bank Sinarmas. and enforcing the governance of Bank Sinarmas.
2. Governance structure 2. Governance structure
Bank Sinarmas memiliki kecukupan struktur dan Bank Sinarmas has adequate structure and
infrastruktur untuk menerapkan tata kelola. infrastructure to implement good governance.
3. Governance process 3. Governance process
Bank Sinarmas menerapkan prinsip-prinsip tata Bank Sinarmas applies the principles of corporate
kelola perusahaan secara efektif. governance effectively.
4. Governance outcome 4. Governance outcome
Bank Sinarmas mampu menghasilkan outcome Bank Sinarmas is able to produce outcomes that are
yang sesuai dengan harapan pemangku in line with stakeholder expectations.
kepentingan.
Struktur Tata Kelola Proses Tata Kelola Hasil Tata Kelola

Governance Structure Governance Process Governance Outcome
Penilaian governance structure Penilaian governance process bertujuan Penilaian governance outcome
bertujuan untuk menilai kecukupan untuk menilai efektivitas proses bertujuan untuk menilai kualitas
infrastruktur dan struktur tata kelola penerapan prinsip tata kelola yang baik outcome yang memenuhi harapan
bank agar proses penerapan prinsip yang didukung oleh kecukupan struktur pemangku kepentingan bank yang
tata kelola yang baik menghasilkan dan infrastruktur tata kelola bank merupakan hasil proses penerapan
outcome yang sesuai dengan harapan sehingga dihasilkan outcome yang sesuai prinsip tata kelola yang baik serta
pemangku kepentingan bank. dengan harapan pemangku kepentingan didukung oleh kecukupan struktur dan
bank. infrastruktur tata kelola bank.
The Governance Structure assessment The Governance Structure assessment Governance outcome assessment aims
aims to assess the adequacy of the aims to assess the effectiveness of to assess the quality of outcomes that
Bank’s governance structure and the Bank’s governance structure meet the expectations of the Bank’s
infrastructure to ensure that the and infrastructure to ensure that the Stakeholders, which are the results of the
process of implementing the principles process of implementing the principles process of implementing the principles
of corporate governance generates of corporate governance generates of Governance that are supported by
outcomes that are in line with the outcomes that are in line with the the adequacy of the Bank’s Governance
expectations of the Bank’s stakeholders. expectations of the Bank’s stakeholders. structure and infrastructure.
Komitmen atas penerapan tata kelola terlihat dari The commitment to the implementation of good
governance structure dan governance process yang governance can be seen from the effective governance
efektif, sehingga memberikan pengaruh positif structure and governance process so as to have a
terhadap penciptaan nilai (value creation) dan positive influence on value creation and the long term
keberlangsungan bisnis Bank (sustainability) dalam sustainability of the Bank’s business.
jangka panjang.
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Tujuan Penerapan Tata Kelola Objectives of Governance Implementation

Penerapan tata kelola dilakukan secara konsisten A consistent implementation of governance aims to:
bertujuan untuk:
1. Membudayakan fungsi kepatuhan pada manajemen 1. Cultivate the compliance function on the management
dan seluruh lini Bank dengan menerapkan prinsip- and throughout the Bank in implementing the
prinsip GCG dalam melakukan aktivitas Bank. principles of GCG in conducting the Bank’s activities.
2. Meningkatkan kinerja Bank, efisiensi dan 2. Improve the Bank’s performance, efficiency,
pelayanan kepada pemangku kepentingan. and services to stakeholders.
3. Menjaga kepercayaan investor. 3. Maintain investor confidence.
4. Meningkatkan shareholders values. 4. Increase shareholders values.
5. Meningkatkan kontribusi Bank dalam perekonomian 5. Increase the Bank’s contribution to the national
nasional. economy
Road Map Penerapan Tata Kelola Road Map of Corporate Governance

Implementation
Bank Sinarmas secara konsisten dan berkelanjutan Bank Sinarmas consistently and continuously makes
melakukan penyempurnaan dan penyesuaian dalam improvements and adjustments in the implementation
penerapan tata kelola. Bank Sinarmas berkomitmen of governance. Bank Sinarmas is committed to making
dalam memberikan kontribusi positif bagi seluruh a positive contribution to all stakeholders as outlined in
pemangku kepentingan yang dituangkan dalam the road map for the implementation of governance,
road map penerapan tata kelola, yaitu: namely:
2021 2021
• Pelaksanaan Rapat Komite Tata Kelola Terintegrasi • Implementation of the Integrated Governance
Konglomerasi Keuangan Sinarmas Semester I dan Committee Meeting of the Sinarmas Financial
II Tahun 2021. Conglomerate Semester I and II 2021.
• Pelaporan tindak lanjut oleh Lembaga Jasa • Follow-up reporting by the Financial Services
Keuangan (LJK) dalam Konglomerasi Keuangan Institutions (LJK) in the Financial Conglomerate
terhadap hasil pengawasan OJK maupun hasil on the results of the supervision of the OJK and
pengawasan otoritas lainnya kepada Direksi the results of the supervision of other authorities
Entitas Utama. to the Board of Directors of the Main Entity.
• Penyusunan dan Penyampaian Rencana Korporasi • Preparation and Submission of PT. Bank Sinarmas
PT. Bank Sinarmas Tbk. tahun 2022 -2026 Tbk’s Corporate Plan for 2022 -2026.
• Memperkuat modal Bank oleh pemegang saham • Strengthening the Bank’s capital by the Bank’s
pengendali Bank sebesar Rp1,4 triliun . controlling shareholder of Rp1.4 trillion.
• Penyampaian Laporan Tidak Terstruktur kepada • Submission of Unstructured Reports to OJK online
OJK secara daring melalui SIPENA. through SIPENA.
• Peningkatan awareness terkait compliance info • Increased awareness regarding compliance
kepada seluruh lini Bank Sinarmas . information to all lines of Bank Sinarmas.
• Pelaksaaan Compliance Testing kepada Divisi • Implementation of Compliance Testing for
Investment Product (Reksadana), proses Open Investment Product Division (Mutual Funds),
Account (Digital dan Konvensional), Syariah, CAC Open Account process (Digital and Conventional),
berkaitan dengan kepatuhan sesuai dengan Sharia, CAC related to compliance in accordance
Peraturan yang diatur oleh Regulator . with the regulations set by the Regulator.
• Pelaksanaan Sosialisasi terhadap implementasi • Implementation of socialization on the
Good Corporate Governance kepada seluruh lini implementation of Good Corporate Governance
Bank Sinarmas . to all lines of Bank Sinarmas.
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2020 2020
• Pengkinian Kebijakan Tata Kelola Bank Sinarmas. • Updating the Governance Policy of Bank Sinarmas.
• Pengkinian Kebijakan Tata Kelola Terintegrasi • Updating the Integrated Governance Policy
(Konglomerasi Sinarmas). (Sinarmas Conglomeration).
• Pelaksanaan rapat Komite Tata Kelola Terintegrasi • Implementation of the Sinarmas Integrated
Sinarmas Semester I dan II tahun 2020. Governance Committee Meeting in Semester I
and II of 2020.
• Pembuatan Compliance Monitoring System. • Development of the Compliance Monitoring
System.
• Pemenuhan Pelaporan Bank kepada Regulator • Fulfillment of Bank Reporting to Regulators
melalui daring seperti APOLO dan OBOX maupun online, such as via APOLO and OBOX, as well as
luring. offline.
• Penerbitan Corporate Charter. • Issuance of Corporate Charter.
• Peningkatan rangkaian aktivitas implementasi • Increase the series of activities in the
kegiatan APU PPT. implementation of AMLCFT activities.
• Peningkatan awareness terkait compliance info • Increase in awareness related to compliance info
kepada seluruh lini Bank Sinarmas. to all lines of Bank Sinarmas.
• Pelaksanaan Sosialisasi terhadap implementasi • Socialization of the implementation of Good
Good Corporate Governance kepada seluruh lini Corporate Governance throughout Bank Sinarmas
Bank Sinarmas dan Konglomerasi Keuangan and the Sinarmas Financial Conglomerate.
Sinarmas.
2019 2019
• Pemenuhan pelaporan Bank kepada regulator. • Fulfillment of the Bank’s reporting to regulators.
• Pelaksanaan sosialisasi terkait praktik pelaksanaan • Socialization of information related to the practice
Good Corporate Governance melalui internal of implementing good corporate governance
class dan e-learning. through internal classes and e-learning.
• Peningkatan awareness terkait compliance • Awareness improvement related to compliance
culture kepada seluruh lini Bank Sinarmas melalui culture to all Bank Sinarmas lines through the
compliance campaign. compliance campaign.
• Penerbitan Compliance Charter dan Internal • Issuance of Compliance Charter and Internal
Audit Charter. Audit Charter.
• Pembaruan kebijakan-kebijakan internal Bank • Update on the Bank’s internal policies related to
yang terkait dengan tata kelola. governance.
• Peningkatan rangkaian aktivitas implementasi • Increase the series of activities in the
kegiatan APU PPT. implementation of AML-CFT activities.
• Penyampaian Rencana Aksi Keuangan • Disclosure of a Sustainable Financial Action Plan.
Berkelanjutan.
• Peluncuran Compliance Manual Leveling. • Launch of Compliance Manual Leveling.
• Melakukan pemantauan secara berkala dan • Periodically conduct and intensive monitoring of
intensif pada regulatory parameter. regulatory parameters.
• Penyesuaian kode etik karyawan. • Adjustment to employee code of ethics.
• Penyusunan risk indicator bidang usaha. • Preparation of business risk indicators.
• Memperkuat modal Bank dengan pelaksanaan • Strengthening the Bank’s capital through
exercise waran oleh pemegang saham pengendali exercising warrants by the controlling shareholder
Bank sebesar Rp1 triliun. of the Bank amounted to Rp1 trillion.
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2018 2018
• Menyelaraskan dan menyempurnakan praktik • Harmonizing and enhancing the implementation
pelaksanaan Good Corporate Governance dengan of good corporate governance practices in
peraturan perundang-undangan yang berlaku. accordance with the prevailing laws and
regulations.
• Penyesuaian kebijakan-kebijakan pendukung • Adjustment of supporting policies of Bank
pelaksanaan tata kelola Bank Sinarmas. Sinarmas corporate governance implementation.
• Perubahan Struktur Organisasi. • Changes to the Organizational Structure.
• Pengangkatan anggota Direksi melalui ketentuan • Appointment of members of the Board of Directors
tata kelola yang berlaku. through the prevailing governance provisions.
• Perubahan susunan anggota Direksi melalui • Changes to the membership composition of
ketentuan tata kelola yang berlaku. the Board of Directors through the prevailing
governance provisions.
• Pengungkapan Agenda RUPST dan RUPSLB • Disclosure of the AGMS and EGMS Agenda along
beserta penjelasannya pada situs web Bank with explanations on the website of Bank Sinarmas.
Sinarmas.
• Publikasi Keputusan RUPST dan RUPSLB beserta • Publication of the AGMS and EGMS resolutions
penjelasannya pada situs web Bank Sinarmas. along with their explanations on the website of
Bank Sinarmas.
2017 2017
• Penyelarasan pelaksanaan tata kelola Bank • Alignment of Bank Sinarmas governance
Sinarmas dengan peraturan Otoritas Jasa implementation with the Financial Services
Keuangan tentang Penerapan Tata Kelola bagi Authority regulation on the Implementation of
Bank Umum. Governance for Commercial Banks.
• Penyesuaian kebijakan-kebijakan pendukung • Adjustment of policies supporting the
pelaksanaan tata kelola Bank Sinarmas. implementation of Bank Sinarmas governance.
• Meraih penghargaan The Top 50 Emiten MIDcap • Awarded The Top 50 MIDcap Issuer, which was
yang diselenggarakan oleh IICD. organized by IICD
• Perubahan Anggaran Dasar Perseroan. • Amendment to the Company’s Articles of
Association.
• Pengunduran diri dan Pengangkatan anggota • Resignation and Appointment of members of
Direksi melalui ketentuan tata kelola yang berlaku. the Board of Directors through the prevailing
• Pengungkapan Agenda RUPST dan RUPSLB • Disclosure of the AGMS and EGMS Agenda
beserta penjelasannya pada situs web Bank along with explanations on the website of Bank
Sinarmas. Sinarmas.
Bank Sinarmas.
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2016 2016
• Aksi Korporasi (Corporate Action) Penawaran • Corporate Action Limited Public Offering (LPO II).
Umum Terbatas (PUT II).
• Penetapan Bank Sinarmas sebagai Entitas Utama. • Approval of Bank Sinarmas as the Main Entity.
• Penetapan Susunan Anggota Komite Tata Kelola • Approval of the Composition of Members of the
Terintegrasi dan Komite Manajemen Risiko Integrated Governance Committee and the
Terintegrasi. Integrated Risk Management Committee.
• Kebijakan melalui Pedoman Tata Kelola • Policy through Integrated Governance Guidelines.
Terintegrasi.
• Perubahan Susunan Dewan Pengawas Syariah. • Changes to the composition of the Sharia
Supervisory Board.
• Perubahan Anggaran Dasar Perseroan. • Amendments to the Company’s Articles of
Association.
• Peningkatan Modal Perseroan. • Increase in the Company’s Capital.
Sinarmas. Sinarmas.
Bank Sinarmas
2015 2015
• Juara ke-III Kategori Listed Private Financial • Third place in the Listed Private Financial Category
pada Annual Report Award 2015. at the 2015 Annual Report Award.
• Kebijakan Pedoman Whistleblowing System. • Whistleblowing System Guidelines Policy.
• Pengembangan praktik pelaksanaan Good • Development of the implementation good
Corporate Governance dengan peraturan corporate governance practices with the
perundang-undangan yang berlaku. prevailing laws and regulations.
• Pengangkatan anggota Direksi melalui • Appointment of members of the Board of
ketentuan tata kelola yang berlaku. Directors through the prevailing governance
provisions.
• Perubahan Anggaran Dasar Perseroan. • Amendments to the Company’s Articles of
Association.
Sinarmas. Sinarmas.
• Publikasi Keputusan RUPST. • Publication of the AGMS Resolutions.
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Tinjauan Penerapan Pedoman Tata Kelola Bank Overview on the Implementation of the
Perusahaan Terbuka Governance Guidelines of the Bank as Public
Company
Penerapan aspek dan prinsip tata kelola perusahaan In accordance with the Financial Services Regulation
pada Bank Sinarmas sesuai dengan Peraturan Jasa (POJK) No. 21/POJK.04/2015 and Circular of the Financial
Keuangan (POJK) No.21/POJK.04/2015 dan Surat Services Authority (SEOJK) No. 32/SEOJK.04/2015 on
Edaran Otoritas Jasa Keuangan (SEOJK) No.32/ the Governance Guidelines for Public Companies, the
SEOJK.04/2015 tentang Pedoman Tata Kelola following is the application of corporate governance
Perusahaan Terbuka, adalah sebagai berikut: aspects and principles by Bank Sinarmas:
Prinsip Rekomendasi Pemenuhan Implementasi

Principle Recommendation Fulfillment Implementation
Prinsip 1 1.1 Perusahaan Terbuka Terpenuhi Bank telah memiliki mekanisme

Meningkatkan Nilai memiliki cara atau prosedur Fulfilled pemungutan suara dalam RUPS Tahunan
Penyelenggaraan teknis pengumpulan dan Luar Biasa yang dituangkan dalam tata
RUPS suara (voting) baik secara tertib rapat.
Principle 1 terbuka maupun tertutup Tata Tertib Rapat RUPS di 29 Juni 2021 dapat
Improving the yang mengedepankan diakses oleh pemegang saham dalam situs
Value of the GMS independensi, dan web bank dan dibagikan kepada pemegang
kepentingan pemegang saham serta ditampilkan pada layar saat
saham pokok-pokok tata tertib dibacakan oleh
The public company has pembawa acara saat RUPS diselenggarakan.
a means or technical The Bank has established a voting
procedure for voting both mechanism in the Annual and Extraordinary
open and closed voting GMS on June 29, 2021 as outlined in the
mechanisms that uphold the meeting procedures. The Procedures for
independence and interest of the GMS can be accessed by shareholders
shareholders on the bank’s website and distributed to
shareholders and displayed on the screen
when the points of procedures were read out
by the presenter during the GMS.
1.2 Seluruh anggota Direksi dan Terpenuhi Seluruh anggota direksi dan dewan komisaris
anggota Dewan Komisaris Fulfilled hadir dalam RUPST tanggal 29 Juni 2021
Perusahaan Terbuka hadir baik secara fisik maupun virtual dengan
dalam RUPS Tahunan menerapkan protokol kesehatan.
All members of the Board All members of the Board of Directors were
of Directors and Board of physically present at the Annual GMS on
Commissioners of the Public June 29, 2021 both physically and virtually by
Company attend the Annual implementing health protocols.
GMS
1.3 Ringkasan risalah RUPS Terpenuhi Ringkasan risalah RUPS tahun 2014-2021
tersedia dalam Situs Web Fulfilled Bank Sinarmas tersedia dalam situs web
Perusahaan Terbuka paling www.banksinarmas.com pada menu
sedikit selama 1 tahun Hubungan Investor.
Summary of the minutes Summary of Minutes of the GMS of Bank
of the GMS is available on Sinarmas in 2014-2021 is available on the
the Website of the Public Company’s website www.banksinarmas.com
Company for at least 1 year on the Investor Relations menu.
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Prinsip 2 2.1 Perusahaan Terbuka memiliki Terpenuhi Bank Sinarmas telah memiliki kebijakan
Meningkatkan suatu kebijakan komunikasi Fulfilled komunikasi dengan pemegang saham dan
Kualitas Komunikasi dengan pemegang saham investor yang tertuang pada Surat Keputusan
Perusahaan atau investor Direksi nomor SK.102/2021/PRESDIR-Corsec.
Terbuka dengan The public company has a Bank Sinarmas has a communication policy
Pemegang Saham communication policy with with shareholders and investors as stated in
atau Investor shareholders or investors the Decree of the Board of Directors number
Principle 2 SK.102/2021/PRESDIR-Corsec.
Increasing
the Quality of 2.2 Perusahaan Terbuka Terpenuhi Bank menjalankan komunikasi kepada
Communications mengungkapkan kebijakan Fulfilled pemegang saham atau investor sejalan
betweenthe Public komunikasi Perusahaan dengan keterbukaan informasi Bank.
Company and Terbuka dengan pemegang The Bank carries out communication to
Shareholders or saham atau investor dalam shareholders or investors in line with the
Investors Situs Web Bank’s information disclosure.
The public company discloses
the communication policy
of the public company with
shareholders/investors on its
Website
Prinsip 3 3.1 Penentuan jumlah Terpenuhi Bank Sinarmas memiliki kebijakan

Memperkuat anggota Dewan Komisaris Fulfilled penetapan calon anggota Direksi, Dewan
Keanggotaan dan mempertimbangkan kondisi Komisaris dan/atau Dewan Pengawas
Komposisi Dewan Perusahaan Terbuka Syariah sebagai pedoman bagi Komite
Komisaris Determination of the number Remunerasi dan Nominasi dalam proses
Principle 3 of members of the Board of nominasi anggota Dewan Komisaris dengan
Strengthening Commissioners considers mempertimbangkan kebutuhan, kondisi dan
the Membership the condition of the Public kemampuan bank.
and Composition Company Per 31 Desember 2021 Bank Sinarmas
of the Board of memiliki 3 (tiga) orang Dewan Komisaris, di
Commissioners mana 2 (dua) orang di antaranya merupakan
Komisaris Independen.
Jumlah anggota Dewan Komisaris tidak
melebihi jumlah anggota Direksi.
Bank Sinarmas has established the Policy to
Determine Candidates for Members of the
Board of Directors, Members of the Board of
Commissioners and/or Members of the Sharia
Supervisory Board as a guideline for the
Remuneration and Nomination Committee
in the nomination process for members of
the Board of Commissioners by considering
the needs, conditions, and capabilities of the
Bank. For the period of 31 December 2021,
there are 3 (three) members of the Bank’s
Board of Commissioners, of which 2 (two) are
Independent Commissioners. The number
of members of the Board of Commissioners
of the Bank does not exceed the number of
members of the Board of Directors.
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3.2 Penentuan komposisi Terpenuhi Dewan Komisaris Bank Sinarmas memiliki

anggota Dewan Komisaris Fulfilled latar belakang pendidikan, keberagaman
memperhatikan keahlian, pengetahuan dan pengalaman
keberagaman keahlian, yang diperlukan untuk mendukung
pengetahuan, dan efektivitas tugas pengawasan Dewan
pengalaman yang Komisaris dalam perkembangan bisnis Bank.
dibutuhkan. The Board of Commissioners of Bank
The determination of the Sinarmas has diverse educational
membership composition of backgrounds, expertise, knowledge and
the Board of Commissioners experience. This is necessary to support the
takes into account the effectiveness of the supervisory duties of the
diversity of expertise, Board of Commissioners in the development
knowledge, and experience of the Bank’s business. This diversity can be
required. viewed in the profile of each member of the
Board of Commissioners.
Prinsip 4 4.1 Dewan Komisaris Terpenuhi Penilaian kinerja Dewan Komisaris melalui
Meningkatkan mempunyai kebijakan Fulfilled self-assessment telah dijalankan, yang
Kualitas penilaian sendiri (self- menjadi bagian dari penilaian GCG sejalan
Pelaksanaan Tugas assessment) untuk menilai dengan Peraturan OJK No.4/POJK.03/2016.
dan Tanggung kinerja Dewan Komisaris Performance assessment of the Board of
Jawab Dewan The Board of Commissioners Commissioners through self-assessment has
Komisaris has a self-assessment policy been carried out, which is part of the GCG
Principle 4 to assess its performance assessment in line with OJK Regulation No. 4/
Improving POJK.03/2016.
the Quality of
Implementation
of Duties and
Responsibilities
of the Board of
Commissioners
4.2 Kebijakan Penilaian Sendiri Terpenuhi Kebijakan dan dasar penilaian kinerja Dewan
(self- assessment) untuk Fulfilled Komisaris telah disampaikan pada Bab “Tata
menilai kinerja Dewan Kelola Perusahaan” pada Laporan Tahunan
Komisaris, diungkapkan Bank.
melalui Laporan Tahunan The policies and basis for assessing the
Perusahaan Terbuka performance of the Board of Commissioners
The self-assessment policy are presented in the “Corporate Governance”
to assess the performance of Chapter of the Bank’s Annual Report.
the Board of Commissioners
is disclosed in the Annual
Report of the Public
Company
4.3 Dewan Komisaris Terpenuhi Bank Sinarmas memiliki Pedoman Kerja

mempunyai kebijakan terkait Fulfilled (Board Charter) berupa Surat Keputusan
pengunduran diri anggota SK.041/2018/PRESDIR tentang Pedoman
Dewan Komisaris apabila Dewan Komisaris Rev 2.0 PT. Bank Sinarmas
terlibat dalam kejahatan Tbk.yang berisi penetapan etika Dewan
keuangan Komisaris termasuk terkait dengan
The Board of Commissioners pengunduran diri.
has established a resignation Bank Sinarmas has a Work Guidelines (Board
policy if a commissioner is Charter) in the form of Decision Letter
committed to financial crime SK.041/2018/PRESDIR regarding Guidelines
for the Board of Commissioners Rev 2.0 of
PT. Bank Sinarmas Tbk. which contains the
determination of the ethics of the Board of
Commissioners including those related to
resignation.
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4.4 Dewan Komisaris atau Terpenuhi Kebijakan terkait Fungsi Nominasi dan
Komite yang menjalankan Fulfilled Remunerasi terkait nominasi Direksi
fungsi Nominasi dan telah ditetapkan melalui Surat Keputusan
Remunerasi menyusun No.SK.046/2019/ PRESDIR-CorSec tentang
kebijakan suksesi dalam Piagam Remunerasi dan Nominasi Revisi 3.0
proses nominasi anggota PT. Bank Sinarmas Tbk.
Direksi Policies related to the Nomination and
The Board of Commissioners Remuneration Functions including matters
or the Committee in charge related to the nomination of the Board of
of the Nomination and Directors have been ratified in the Decree
Remuneration functions No. SK.046/2019/ PRESDIR-CorSec on the
compile the succession Remuneration and Nomination Charter
policies in the Nomination Revision 3.0 of PT. Bank Sinarmas Tbk.
process of members of the
Board of Directors
Prinsip 5 5.1 Penentuan jumlah anggota Terpenuhi Bank Sinarmas memiliki kebijakan penetapan
Memperkuat Direksi mempertimbangkan Fulfilled calon anggota Direksi, Dewan Komisaris
Keanggotaan dan kondisi Perusahaan Terbuka dan/atau Dewan Pengawas Syariah sebagai
Komposisi Direksi serta efektivitas dalam pedoman bagi Komite Remunerasi dan
Principle 5 pengambilan keputusan Nominasi dalam proses nominasi anggota
Strengthening the Determination of the Direksi dengan mempertimbangkan kondisi
Membership and number of members of bank serta efektivitas dalam pengambilan
Composition of the the Board of Directors keputusan.
Board of Directors considers the condition of Per 31 Desember 2021 Direksi Bank Sinarmas
the Public Company as well beranggotakan 6 (enam) orang, telah
as effectiveness in decision- disesuaikan dengan kompleksitas bisnis Bank.
making Jumlah anggota Direksi lebih banyak dari
anggota Dewan Komisaris.
Bank Sinarmas has established the Policy for
Determining Candidates for Members of the
Board of Directors, Members of the Board of
Commissioners and/or Members of the Sharia
Supervisory Board as a guideline for the
Remuneration and Nomination Committee
in the nomination process for members of
the Board of Directors by considering the
condition of the Bank and its effectiveness in
decision making.
As of December 31, 2021, the Board of
Directors of Bank Sinarmas has 6 (six)
members, it has been adjusted to the
complexity of the Bank's business.
The number of members of the Board
of Directors of the Bank is greater than
the number of members of the Board of
Commissioners.
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5.2 Penentuan komposisi Terpenuhi Komposisi dan struktur anggota Direksi telah
anggota Direksi Fulfilled memperhatikan latar belakang pedidikan,
memperhatikan, pengetahuan, keahlian dan pengalaman yang
keberagaman keahlian, sesuai dengan kebutuhan bisnis, sehingga
pengetahuan, dan dapat mengoptimalkan pengambilan
pengalaman yang keputusan dan meningkatkan kinerja Bank.
dibutuhkan The composition and structure of members
Penentuan komposisi of the Board of Directors have taken into
anggota Direksi account the educational background,
memperhatikan, knowledge, expertise, and experience in
keberagaman keahlian, accordance with business needs, in order to
pengetahuan, dan optimize decision making and improve the
pengalaman yang Bank’s performance. This diversity can be
dibutuhkan viewed in the profile of each member of the
Board of Directors.
5.3 Anggota Direksi yang Terpenuhi Anggota Direksi yang membawahi bidang
membawahi bidang Fulfilled akuntansi dan keuangan adalah Sdr.
akuntansi atau keuangan Frenky Tirtowijoyo, dengan latar belakang
memiliki keahlian dan/atau pendidikan, pengetahuan, keahlian serta
pengetahuan di bidang pengalaman dapat di lihat pada profil Direksi.
akuntansi The director in charge of accounting
Members of the Board and finance is Mr. Frenky Tirtowijoyo His
of Directors in charge of educational background, knowledge,
accounting or finance have expertise, and experience can be viewed in
expertise and/or knowledge the profile of the Board of Directors.
in the field of accounting
Prinsip 6 6.1 Direksi mempunyai kebijakan Terpenuhi Direksi telah menjalankan penilaian kinerja
Meningkatkan penilaian sendiri (self- Fulfilled melalui self-assessment, yang menjadi bagian
Kualitas assessment) untuk menilai dari penilaian GCG sejalan dengan Peraturan
Pelaksanaan Tugas kinerja Direksi. OJK No.4/POJK.03/2016.
dan Tanggung The Board of Directors has The Board of Directors has carried out a
Jawab Direksi established a self-assessment performance assessment through self-
Principle 6 policy to assess the assessment, which is part of the GCG
Improving performance of the Board of assessment in line with OJK Regulation No.4/
the Quality of Directors. POJK.03/2016.
Implementation
of Duties and 6.2 Kebijakan penilaian sendiri Terpenuhi Kebijakan dan dasar penilaian kinerja Direksi
Responsibilities (self- assessment) untuk Fulfilled telah disampaikan pada Bab “Tata Kelola
of the Board of menilai kinerja Direksi Perusahaan” Laporan Tahunan Bank.
Directors diungkapkan melalui laporan The policies and basis for assessing the
tahunan Perusahaan Terbuka performance of the Board of Directors are
The self-assessment policy presented in the “Corporate Governance”
to assess the performance Chapter of the Bank’s Annual Report.
of the Board of Directors
is disclosed in the Annual
Report of the Public
Company
6.3 Direksi mempunyai kebijakan Terpenuhi Bank Sinarmas memiliki Pedoman Kerja
terkait pengunduran diri Fulfilled (Board Charter) tentang Pedoman Direksi Rev
anggota Direksi apabila 2.0/2018 yang berisi penetapan etika direksi
terlibat dalam kejahatan termasuk terkait dengan pengunduran diri.
keuangan Bank Sinarmas has a Board Charter on the
The Board of Directors has Board of Directors Guidelines Rev 2.0/2018
established a resignation which contains the determination of the
policy if a commissioner is ethics of the board of directors including
committed to financial crime those related to resignation.
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Prinsip 7 7.1 Perusahaan Terbuka Terpenuhi Bank Sinarmas telah memiliki Kode Etik
Meningkatkan memiliki kebijakan untuk Fulfilled dan Tingkah Laku yang telah diunggah ke
Aspek Tata Kelola mencegah terjadinya insider situs web Bank Sinarmas untuk mencegah
Perusahaan trading. terjadinya Insider Trading.
melalui Partisipasi Public Company has Bank Sinarmas already has a Code of Ethics
Pemangku established a policy to and Conduct which has been uploaded to
Kepentingan prevent insider trading. the Bank Sinarmas website to prevent Insider
Principle 7 Trading.
Improving
Corporate 7.2 Perusahaan Terbuka Terpenuhi Bank telah memiliki kebijakan anti fraud dan
Governance memiliki kebijakan anti Fulfilled telah diunggah ke situs web Bank.
Aspects through korupsi dan anti fraud The Bank has established an anti fraud policy
Stakeholder The Public Company has and has uploaded it to the Bank’s website
Participation established anti corruption
and anti fraud policies
7.3 Perusahaan Terbuka Terpenuhi Bank Sinarmas telah memiliki kebijakan

memiliki kebijakan tentang Fulfilled terkait pengelolaan vendor sebagaimana
seleksi dan peningkatan telah diatur dalam Ketentuan Management
kemampuan pemasok atau Vendor yang telah diunggah ke situs web
vendor Bank. Kebijakan ini meliputi tata cara
Public Company have pemilihan vendor, hubungan dengan vendor,
policies regarding selection pembelian barang dan sistem pembayaran.
and improving the ability of Bank Sinarmas has policies related to vendor
suppliers or vendors management as stipulated in the Vendor
Management Terms, which have been
uploaded to the website of Bank Sinarmas
(www.banksinarmas. com). This policy
covers procedures for selecting vendors,
relationships with vendors, purchase of goods,
and payment systems.
7.4 Perusahaan Terbuka Terpenuhi Bank Sinarmas memiliki perjanjian yang

memiliki kebijakan untuk Fulfilled mengatur hak-hak masing-masing kreditur.
pemenuhan hak-hak kreditur Bank Sinarmas has an agreement that
Public Company has a policy regulates the rights of each creditor.
about fulfillment of creditors’
rights
7.5 Perusahaan Terbuka Terpenuhi Bank Sinarmas telah memiliki kebijakan

memiliki kebijakan sistem Fulfilled terkait whistleblowing system yang telah
whistleblowing diunggah ke situs web Bank. Kebijakan
Public company has tersebut mencakup jenis pelanggaran
established a policy on the yang dapat dilaporkan, cara pengaduan,
whistleblowing system perlindungan dan jaminan kerahasiaan
pelapor, penanganan pengaduan, pihak
yang mengelola aduan, hasil penanganan
dan tindak lanjut pengaduan sesuai dengan
ketentuan OJK.
Bank Sinarmas has a policy related to the
whistleblowing system which has been
uploaded to the Bank's website. The policy
covers the types of violations that can be
reported, the method of complaint, protection
and assurance of the confidentiality of the
reporter, handling of complaints, the party
managing complaints, the results of handling
and following up on complaints in accordance
with OJK regulations.
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7.6 Perusahaan Terbuka memiliki Terpenuhi Bank Sinarmas telah memiliki Kebijakan
kebijakan pemberian insentif Fulfilled Remunerasi Variabel bagi Direksi dan
jangka panjang kepada Karyawan yang masuk dalam kriteria Material
Direksi dan Karyawan Risk Takers, dengan menerapkan deferral
The Public Company sebagian nominal dari Bonus Tahunan selama
has established a policy 3 tahun sejalan dengan POJK 45/2015.
of providing long-term Bank Sinarmas has a Variable Remuneration
incentives to the Board of Policy for the Board of Directors and
Directors and Employees Employees that is included in the Material
Risk Takers criteria, by applying a partial
deferral of the annual bonus for 3 years, which
is in line with POJK 45/2015.
Prinsip 8 8.1 Perusahaan Terbuka Terpenuhi Bank Sinarmas terus menyempurnakan

Meningkatkan memanfaatkan penggunaan Fulfilled keterbukaan informasi termasuk pada Situs
Pelaksanaan teknologi informasi secara Web dan media sosial untuk memberikan
Keterbukaan lebih luas selain situs web kemudahan bagi para pemegang saham dan
Informasi sebagai media keterbukaan pemangku kepentingan untuk mengakses
Principle 8 informasi informasi terkait Bank. Informasi lengkap
Improving the The Public Company utilizes dapat dilihat di profil Bank.
Impementation the use of information Bank Sinarmas continues to improve
of Disclosure of technology more broadly information disclosure including on the
Information in addition to the Website Website and social media to make it easier
as a media for disclosure of for shareholders and stakeholders to access
information information related to the Bank. Complete
information can be found on the Bank's
profile. Bank Sinarmas continues to improve
information disclosure including on the
Website and social media to make it easier
for shareholders and stakeholders to access
information related to the Bank. Complete
information can be seen in the Bank's profile.
8.2 Laporan Tahunan Terpenuhi Bank telah mengungkapkan informasi

Perusahaan Terbuka Fulfilled mengenai Pemegang Saham yang memiliki
mengungkapkan pemilik 5% atau lebih saham Bank dalam Laporan
manfaat akhir dalam Tahunan pada bagian Komposisi Pemegang
kepemilikan saham Saham.
Perusahaan Terbuka The Bank has disclosed information regarding
paling sedikit 5%, selain Shareholders with 5% or more of the Bank’s
pengungkapan pemilik shares in the Shareholders Composition
manfaat akhir dalam section of the Annual Report.
kepemilikan saham
Perusahaan Terbuka melalui
pemegang saham utama
dan pengendali
The Annual Report of the
Public Company discloses
the ultimate beneficiaries
in the share ownership of
the Public Company of at
least 5%, in addition to the
disclosure of the ultimate
beneficiaries in the share
ownership of the Public
Company through the major
and controlling shareholders
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PENILAIAN PENERAPAN GCG TAHUN 2021 ASSESSMENT OF GCG IMPLEMENTATION IN 2021
Bank Sinarmas telah melakukan penilaian sendiri Bank Sinarmas has conducted a self-assessment
(self-assessment) atas penerapan tata kelola on the implementation of corporate governance
perusahaan (GCG) selama tahun 2021, sesuai (GCG) during 2021, in accordance with POJK No.55/
POJK No.55/ POJK.03/2016 dan SEOJK No. 13/ POJK.03/2016 and SEOJK No. 13/SEOJK.03/2017
SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi concerning the Implementation of Good Corporate
Bank Umum. Hasil penilaian sendiri oleh Bank Governance for Commercial Banks. The results of
merupakan bagian yang tidak terpisahkan dari the self-assessment by the Bank are an integral
laporan pelaksanaan tata kelola. part of the governance implementation report.
Pelaksana Penilaian Assessor
Bank Sinarmas melakukan penilaian sendiri Bank Sinarmas conducts a self-assessment of the
terhadap implementasi penerapan GCG di implementation of GCG implementation within the
lingkungan Bank secara mandiri dengan Bank independently by involving the implementers:
melibatkan pelaksana: Dewan Komisaris, Direksi, the Board of Commissioners, Directors, Executive
Pejabat Eksekutif dan unit-unit independen di Bank. Officers and independent units in the Bank. The
Keterlibatan banyak pihak yang relevan tersebut involvement of many relevant parties is to produce
untuk menghasilkan penilaian yang komprehensif a comprehensive and structured assessment of the
dan terstruktur atas efektivitas sistem tata kelola effectiveness of the governance system and the
dan kualitas hasil tata kelola Bank. quality of the Bank’s governance outcomes.
Kriteria Penilaian Assessment Criteria
Bank Sinarmas menggunakan 11 (sebelas) kriteria Bank Sinarmas uses 11 (eleven) assessment
penilaian yang terdapat dalam SEOJK No. 13/ criteria contained in SEOJK No. 13/SEOJK.03/2017
SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi concerning Implementation of Good Corporate
Bank Umum yang terdiri dari: Governance for Commercial Banks consisting of:
1. Pelaksanaan Tugas dan Tanggung Jawab 1. Implementation of Duties and Responsibilities of

Direksi. the Board of Directors.
2. Pelaksanaan Tugas dan Tanggung Jawab 2. Implementation of Duties and Responsibilities of
Dewan Komisaris. the Board of Commissioners.
3. Kelengkapan dan Pelaksanaan Tugas Komite. 3. Comprehensiveness and implementation of the
Committee’s duties.
4. Penanganan Benturan Kepentingan. 4. Handling of conflicts of interest.
5. Penerapan Fungsi Kepatuhan Bank. 5. Implementation of the Bank’s Compliance
Function.
6. Penerapan Fungsi Audit Intern. 6. Implementation of the Internal Audit Function.
7. Penerapan Fungsi Audit Ekstern. 7. Implementation of the External Audit Function.
8. Penerapan Fungsi Manajemen Risiko dan 8. Implementation of the Risk Management and
Pengendalian Intern. Internal Control Function.
9. Penyediaan Dana kepada Pihak Terkait (Related 9. Provision of funds to related parties and large
Party) dan Debitur Besar (Large Exposures). exposure.
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10. Transparansi Kondisi Keuangan dan Non- 10. Transparency of the Bank’s financial and
Keuangan Bank, Laporan Pelaksanaan GCG, non-financial conditions, reports on GCG
dan Laporan Internal. implementation, and Internal Reporting.
11. Rencana Strategis Bank. 11. The Bank’s Strategic Plan.
Hasil Penilaian Assessment Results
Hasil Penilaian sendiri atas pelaksanaan GCG untuk The result of self-assessment on the implementation
tahun 2021 adalah “Baik”. Rincian hasil penilaian of GCG for 2021 is “Good”. The details of the assessment
disampaikan dalam tabel di bawah ini. results are presented in the table below.
PENILAIAN PENERAPAN GCG TAHUN 2021

2021 GCG Implementation Assessment
Faktor Penilaian Tata Kelola Peringkat (Nilai)

No
Governance Assessment Factors Rating (Score)
1 Pelaksanaan Tugas dan Tanggung Jawab Direksi

2
Implementation of Duties and Responsibilities of the Board of Directors
2 Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris

2
Implementation of Duties and Responsibilities of the Board of Commissioners
3 Kelengkapan dan Pelaksanaan Tugas Komite

2
Comprehensiveness and Implementation of the Committee’s Duties
4 Penanganan Benturan Kepentingan

2
Handling of Conflicts of Interest
5 Penerapan Fungsi Kepatuhan Bank

2
Implementation of the Bank’s Compliance Function
6 Penerapan Fungsi Audit Intern

2
Implementation of the Internal Audit Function
7 Penerapan Fungsi Audit Ekstern

2
Implementation of the External Audit Function
8 Penerapan Fungsi Manajemen Risiko dan Pengendalian Intern

2
Implementation of the Risk Management and Internal Control Function
9 Penyediaan Dana kepada Pihak Terkait (Related Party) dan Debitur Besar (Large
Exposures) 2
Provision of funds to related parties and large exposure
10 Transparansi Kondisi Keuangan dan Non-Keuangan Bank, Laporan Pelaksanaan GCG dan
Laporan Internal
2
Transparency of the Bank’s financial and non-financial conditions, reports on GCG
implementation, and Internal Reporting
11 Rencana Strategis Bank

2
The Bank’s Strategic Plan
Peringkat Komposit
2
Composite Rating
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Analisis Analysis
Ringkasan analisis pelaksanaan penilaian Tata Kelola A summary of the analysis of the implementation of
Bank yang mencakup 11 (sebelas) Faktor Penilaian the Bank’s Governance assessment which includes 11
Penerapan Tata Kelola, sebagai berikut: (eleven) Assessment Factors for the Implementation
of Governance, as follows:
1. Pelaksanaan Tugas dan Tanggung Jawab Direksi 1. Implementation of the Duties and Responsibilities
of the Board of Directors
a. Jumlah, komposisi, integritas dan kompetensi a. The number, composition, integrity, ad
anggota Direksi sesuai dengan ukuran competence of members of the Board of
dan kompleksitas usaha Bank serta telah Directors are in accordance with the size and
memenuhi ketentuan yang berlaku. complexity of the Bank’s business and have
met the applicable regulations.
b. Dewan Direksi telah memiliki Pedoman dan b. The Board of Directors already has Work
Tata Tertib Kerja. Pedoman Direksi mengatur Guidelines and Code of Conduct. The Board
tugas dan tanggung jawab Direksi secara of Directors’ guidelines regulate the duties
umum, sedangkan Tata Tertib Kerja Direksi and responsibilities of the Board of Directors
secara garis besar mengatur teknis dalam in general, while the Board of Directors’
pelaksanaan tugas dan tanggung jawab Code of Conduct generally regulates the
Direksi. technical implementation of the duties and
responsibilities of the Board of Directors.
c. Pelaksanaan tugas dan tanggung jawab c. The implementation of the duties and
Direksi cukup memenuhi prinsip-prinsip GCG, responsibilities of the Board of Directors is
berjalan cukup efektif. sufficient to comply with the principles of
GCG, adequately effective.
d. Pelaksanaan tugas dan tanggung jawab d. The duties and responsibilities of the Board of
Direksi telah berjalan efektif, Direksi telah Directors have been carried out effectively. The
menyelenggarakan rapat (internal dan Board of Directors has conducted meetings
koordinasi) dengan efektif dan efisien dan (internal and coordination) effectively and
hasil rapat dituangkan dalam risalah rapat efficiently, and the minutes of meeting results
serta didokumentasikan dengan baik. are recorded in the meeting documents.
e. Anggota Direksi mampu bertindak dan e. Members of the Board of Directors are capable
mengambil keputusan secara independen to act and make decisions independently
serta melaksanakan tugas dan tanggung and effectively perform their duties and
jawabnya secara efektif. responsibilities.
f. Aspek transparansi anggota Direksi cukup f. The transparency aspect of members of the
baik dan tidak pernah melanggar ketentuan/ Board of Directors is quite appropriate and
perundangan yang berlaku. never contradicts the applicable provisions/
law.
2. Pelaksanaan Tugas dan Tanggung Jawab Dewan 2. Implementation of Duties and Responsibilities of
Komisaris the Board of Commissioners
a. Jumlah, komposisi, integritas dan kompetensi a. The number, composition, integrity, and
anggota Dewan Komisaris telah sesuai dengan competence of members of the Board of
ketentuan yang berlaku. Setiap anggota Commissioners are in accordance with
Dewan Komisaris dapat bertindak dan applicable regulations. Each member of the
mengambil keputusan secara independen. Board of Commissioners can act and make
decisions independently.
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b. Pelaksanaan tugas dan tanggung jawab b. The implementation of the duties and
Dewan Komisaris telah berjalan efektif sesuai responsibilities of the Board of Commissioners
dengan anggaran dasar perseroan. has been carried out effectively in accordance
with the company’s articles of association.
c. Dewan Komisaris telah menyelenggarakan c. The Board of Commissioners has held
rapat dengan efektif dan efisien serta hasil meetings effectively and efficiently and has
rapat telah dituangkan dalam notulen rapat been stated in the meeting document.
dan di administrasikan dengan baik.
d. Aspek transparansi anggota Dewan Komisaris d. The transparency aspect of members of the
cukup baik dan telah sesuai dengan ketentuan Board of Commissioners is quite appropriate
yang berlaku. and is in accordance with applicable
regulations.
3. Kelengkapan dan Pelaksanaan Tugas Komite 3. Comprehensiveness and Implementation of the
Committee’s Duties
a. Komposisi dan kompetensi seluruh anggota a. The composition and competence of all
Komite-Komite telah memenuhi ketentuan members of the Committees have met the
Regulator. Regulators’ requirements.
b. Komite Audit, Komite Pemantau Risiko, Komite b. The Audit Committee, Risk Monitoring
Remunerasi dan Nominasi telah menjalankan Committee, and Nomination and
fungsinya dengan efektif tergambar dari Remuneration Committee have carried out
Rapat Komite yang telah dilaksanakan sesuai their functions quite effectively as reflected
dengan agenda yang ditetapkan. in the Committee Meetings, which have been
held in accordance with the set agenda.
c. Tugas dan Tanggung Jawab komite telah c. The Duties and Responsibilities of Committees
diatur dalam GCG dan secara keseluruhan have been regulated in GCG and are overall
berjalan efektif. effective.
d. Hasil rapat Komite selalu dituangkan dalam d. The results of Committee meetings are always
risalah rapat dan didokumentasikan dengan stated in the minutes of meetings and well
baik, sampai saat ini tidak terjadi perbedaan documented, so far there are no dissenting
pendapat (dissenting opinions). opinions.
4. Penanganan Benturan Kepentingan 4. Handling of Conflicts of Interest
a. Bank telah memiliki kebijakan, sistem a. The Bank has policies, systems and
dan prosedur penyelesaian benturan procedures for resolving conflicts of interest
kepentingan yang mengatur tentang that regulate transactions containing
transaksi yang mengandung benturan conflicts of interest and administrative order
kepentingan dan tertib administrasi yang that must be carried out.
harus dilakukan.
b. Bank mampu menghindari potensi b. Banks are sufficiently capable of avoiding
terjadinya benturan kepentingan. potential conflicts of interest.
5. Penerapan Fungsi Kepatuhan Bank 5. Implementation of the Bank’s Compliance
Function
a. Satuan Kerja Kepatuhan dalam menjalankan a. The implementation of the duties and
fungsinya bersifat Independen terhadap independence of the Compliance Director
satuan kerja operasional. is effective.
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b. Satuan Kerja Kepatuhan telah mendukung b. The Compliance Unit has supported
pelaksanaan tugas dan tanggung jawab the implementation of the duties and
Direktur Kepatuhan sesuai dengan responsibilities of the Compliance Director
peraturan yang berlaku. in accordance with applicable regulations.
c. Satuan Kerja Kepatuhan melakukan review c. The Compliance Unit reviews the Bank’s
dan memberikan opini terhadap kebijakan policies and procedures to ensure that they
dan prosedur yang dimiliki oleh Bank agar are in compliance with the provisions of the
sesuai dengan katentuan Otoritas Jasa Regulator as well as laws and regulations.
Keuangan dan peraturan perundang-
undangan yang berlaku.
d. Satuan Kerja Kepatuhan melaksanakan d. The Compliance Unit has reported the
Pengujian Kepatuhan (Compliance Testing) duties and responsibilities of the Director
kepada Unit Kerja terhadap aktivitas Bisnis in charge of compliance in accordance with
Bank sebagai bagian dari monitoring untuk the policies of the Regulator and submitted
memastikan pemenuhan Kepatuhan atas in a timely manner.
ketentuan Regulator.
e. Satuan Kerja Kepatuhan bersama Direktur e. The Compliance Unit together with the
yang membawahi kepatuhan telah Director in charge of compliance have
menerapkan budaya kepatuhan yang lebih improved the implementation of the
baik. Compliance Culture.
f. Satuan Kerja Kepatuhan telah menyampaikan f. The Compliance Unit has increased the
laporan pelaksanaan tugas dan tanggung monitoring on new products and activities,
jawab Direktur yang membawahi kepatuhan namely through the Compliance Checklist.
sesuai dengan kebijakan Regulator dan
disampaikan secara tepat waktu.
6. Penerapan Fungsi Audit Intern 6. Implementation of the Internal Audit Function
a. Bank telah memiliki Standar Pelaksanaan a. The Bank already has a good Standard
Fungsi Audit Intern Bank (SPFAIB) dengan for Implementation of the Bank’s Internal
baik dan kelembagaan SKAI di Bank Audit Function (SPFAIB) and the SKAI
adalah independen terhadap satuan kerja institution in the Bank is independent of
operasional. the operational work unit.
b. Fungsi Audit Intern Bank telah berjalan b. The Bank’s Internal Audit function has
efektif dan bertindak objektif dalam been effective and has acted objectively in
melakukan audit sebagaimana diatur dalam conducting audits in accordance with the
Pedoman Kerja dan metodologi Internal audit plan.
audit.
c. Laporan temuan atas hasil pemeriksaan c. Reports on the findings have been
telah disampaikan kepada pihak terkait submitted to the relevant parties and
dan dimonitor secara berkala untuk tindak follow-up on these findings are regularly
lanjut atas temuan tersebut. monitored.
d. Secara keseluruhan kualitas sistem d. Overall, the quality of the internal control
pengendalian intern telah menunjukkan system has indicated satisfactory results.
hasil yang memadai.
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e. Bank terus berupaya untuk meningkatkan e. The Bank continues to strive to improve the
sistem pengendalian intern agar dapat internal control system to ensure that it can
dijalankan secara efektif dan efisien, dan be carried out effectively and efficiently,
prosedur pengawasan dilaksanakan tanpa and supervision procedures are carried out
pengecualian. without exception.
7. Penerapan Fungsi Audit Ekstern 7. Implementation of the External Audit Function
a. Penugasan Bank kepada Akuntan Publik a. The Bank’s assignment to the Public
(AP) dan Kantor Akuntan Publik (KAP) telah Accountant and Public Accounting Office
memenuhi standar yang berlaku umum (KAP) has met generally accepted standards
baik dari aspek kapasitas KAP, Legalitas both in terms of KAP capacity, legality
Perjanjian Kerja, Ruang Lingkup Audit, dan of the work agreement, scope of audit,
Standar Profesional Akuntan Publik (SPAP) and professional standards of the public
yang telah tertuang dalam perjanjian kerja accountant set forth in the written work
tertulis. agreement.
b. Pelaksanaan Audit oleh Akuntan Publik b. Audit conducted by the appointed Public
dan Kantor Akuntan Publik yang ditunjuk Accountant and Public Accountant Office
dilakukan secara independen dan is carried out independently and meets
memenuhi kriteria yang ditetapkan. established criteria.
c. Auditor bertindak objektif dalam melakukan c. The auditor acts objectively in conducting
assessment. the assessment.
d. Akuntan Publik telah melakukan komunikasi d. ThePublicAccountanthascommunicatedwith
dengan Otoritas Jasa Keuangan mengenai the Financial Services Authority regarding the
kondisi Bank yang diaudit dalam rangka condition of the Bank being audited in the
persiapan dan pelaksanaan audit. preparation and implementation of the audit.
8. Penerapan Fungsi Manajemen Risiko dan 8. Implementation of the Risk Management and
Pengendalian Intern Internal Control Function
a. Bank telah memiliki struktur organisasi yang a. The Bank has established an adequate
memadai untuk mendukung penerapan organizational structure to support the
manajemen risiko dan pengendalian implementation of risk management and
internal. internal control.
b. Dewan Komisaris telah mengevaluasi dan b. The Board of Commissioners has evaluated
menyetujui kebijakan yang akan digunakan and approved the policies that will be used
sebagai pedoman dalam penerapan as guidelines in the application of risk
manajemen risiko. management.
c. Pelaksanaan review dan kaji ulang c. Reviewing is carried out periodically
dilakukan secara berkala sesuai kebutuhan according to the Bank’s needs for handling
Bank terhadap penanganan kelemahan- weaknesses to ensure that there is no
kelemahan agar tidak terjadi pengaruh significant effect on the condition of the
yang signifikan pada kondisi Bank. Bank.
9. Penyediaan Dana kepada Pihak Terkait (Related 9. Provision of Funds to Related Parties and Large
Party) dan Debitur Besar (Large Exprosures) Exposures
a. Bank telah memiliki kebijakan dan prosedur a. The Bank has written and clear policies and
tertulis mengenai penyediaan dana kepada procedures regarding the provision of funds
pihak terkait dan penyediaan dana besar. to related parties and large exposures.
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b. Bank dalam mengambil keputusan b. Banks in making decisions on the provision

terhadap penyediaan dana diputuskan of funds are decided by the management
oleh manajemen secara independen independently without intervention from
tanpa intervensi dari pihak terkait dan/atau related parties and/or other parties and are
pihak lainnya serta dilakukan berdasarkan carried out based on the authority to decide.
kewenangan memutusnya.
c. Bank telah menyampaikan laporan secara c. The Bank has submitted periodic
berkala kepada Otoritas Jasa Keuangan reports to Bank Indonesia regarding the
perihal Laporan penyediaan dana kepada abovementioned Legal Lending Limit
pihak terkait dan/atau penyediaan dana (BMPK) in a consistent and timely manner.
besar secara tepat waktu.
10. Transparansi Kondisi Keuangan dan Non- 10. Transparency of Bank Financial and Non-Financial
Keuangan Bank, Laporan Pelaksanaan Tata Kelola Conditions, Report on the Implementation of
dan Laporan Internal Governance and Internal Reporting
a. Bank telah memiliki kebijakan dan a. The Bank has policies and procedures
prosedur mengenai tata cara pelaksanaan regarding procedures for implementing
transparansi kondisi keuangan dan non transparency of financial and non-financial
keuangan. conditions.
b. Bank telah transparan dalam b. The Bank has been transparent in conveying
menyampaikan informasi Keuangan Bank the Bank’s Financial and Non-Financial
dan Non Keuangan Bank baik pada Laporan Information both in the Published Financial
Keuangan Publikasi maupun pada Laporan Report and in the Bank’s Annual Report.
Tahunan Bank.
c. Bank telah menyampaikan Laporan c. The Bank has submitted the Governance
Pelaksanaan Tata Kelola dan hasil Self Implementation Report and the results
Assessment Tata Kelola kepada Otoritas of the Governance Self Assessment to the
Jasa Keuangan secara tepat waktu dan Financial Services Authority in a timely
menyajikan Laporan Pelaksanaan Tata manner and presented the Governance
Kelola dalam situs web Bank. Implementation Report on the Bank’s
website.
d. Cakupan Laporan Pelaksanaan Tata d. The scope of the Governance
Kelola telah sesuai dengan ketentuan dan Implementation Report has complied with
mencakup ketentuan yang berlaku. the provisions and includes applicable
regulations.
11. Rencana Strategis Bank 11. The Bank’s Strategic Plan
a. Bank telah menyusun Rencana Strategis a. he Bank has prepared a Bank’s Strategic
Bank dalam bentuk Rencana Korporasi Plan in the form of a Corporate Plan and
(Corporate Plan) dan Rencana Bisnis Business Plan in accordance with the
(Business Plan) sesuai dengan Visi dan Misi Bank’s vision and mission.
Bank.
b. Rencana Bisnis Bank disusun secara realistis b. The Bank’s Business Plan is prepared
dengan memperhatikan faktor internal realistically by taking into account internal
dan eksternal, prinsip kehati-hatian, serta and external factors, the prudence principle,
pencapaian kinerja Bank sebelumnya. and the achievement of the Bank’s previous
performance.
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c. Rencana Bisnis Bank menggambarkan c. The Bank’s Business Plan describes the
pertumbuhan Bank yang Bank’s sustainable growth.
berkesinambungan.
d. Bank telah menyampaikan Rencana Bisnis d. The Bank has submitted the Bank’s
Bank ke Otoritas Jasa Keuangan dan telah Business Plan to the Financial Services
dikomunikasikan kepada Pemegang Saham Authority and has communicated it to the
Bank. Bank’s Shareholders.
Berdasarkan integrasi analisis seluruh kriteria/ Based on the analysis of all the above assessment
indikator tersebut menjadi aspek governance, maka criteria/ indicators, it can be concluded that Bank
penilaian Governance Structure, Governance Process, Governance can be viewed from the Governance
dan Governance Outcome pada Bank Sinarmas Structure, Governance Process, and Governance
adalah sebagai berikut: Outcome, as follows:
a. Governance Structure a. Governance Structure
Struktur dan infrastruktur tata kelola di The governance structure and infrastructure
Perusahaan sudah memenuhi ketentuan yang in the Company have met the prevailing
berlaku. Selain mematuhi ketentuan minimum regulations. In addition to complying with
mengenai pembentukan Komite, Bank the minimum requirements regarding the
Sinarmas juga membentuk Komite yang bersifat establishment of Committees, Bank Sinarmas
transaksional untuk mendukung penerapan has also established transactional committees
tugas dan tanggung jawab Direksi dalam to support the implementation of the duties
pengelolaan kegiatan operasional Perusahaan. and responsibilities of the Board of Directors in
managing the Company’s operational activities.
b. Governance Process b. Governance Process
Struktur dan infrastruktur tata kelola Bank The governance structure and infrastructure
Sinarmas berjalan sesuai dengan peran, tugas of Bank Sinarmask are in accordance with their
dan tanggung jawabnya untuk menjalankan roles, duties and responsibilities to carry out an
proses tata kelola yang efektif berdasarkan effective governance process based on the GCG
prinsip GCG, prinsip kehati-hatian dan pilar-pilar principles, prudential principles, and the pillars of
penerapan manajemen risiko. risk management implementation.
c. Governance Outcome c. Governance Outcome
Bank Sinarmas mematuhi rasio kehati-hatian Bank Sinarmas adheres to the main prudential
utama sesuai ketentuan yang berlaku dan ratios in accordance with applicable regulations
mengungkapkan kondisi keuangan dan non- and discloses financial and non-financial
keuangan sesuai ketentuan kepada Otoritas conditions in accordance with the provisions
berwenang dan publik secara berkala. to competent authorities and the public on a
regular basis.
Kekuatan Strength
a. Manajemen Bank (Direksi, Komisaris, dan a. The management of the Bank (Directors,
Komite-Komite) telah melakukan penerapan Commissioners, and Committees) has conducted
Tata Kelola yang secara umum baik, tercermin generally good GCG implementation, as
dari pemenuhan yang memadai atas prinsip Tata reflected in the adequate fulfillment of the Good
Kelola yang baik. Dalam hal terdapat kelemahan Governance principles. In the event that there
dalam penerapan prinsip Tata Kelola yang baik are weaknesses in the application of the Good
maka secara umum kelemahan tersebut kurang Governance principles, these weaknesses are in
signifikan dan dapat diselesaikan dengan general less significant and can be resolved with
tindakan normal oleh manajemen Bank. normal actions by the Bank’s management.
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b. Komisaris Independen, Pihak Independen dan b. Independent Commissioners and Independent

Komite telah dibentuk untuk menghindari Parties have been established to avoid conflicts of
benturan kepentingan (conflict of interest) dalam interest in the implementation of duties at all levels
pelaksanaan tugas seluruh tingkatan atau jenjang or ranks of the Bank’s organization and protect the
organisasi Bank dan melindungi kepentingan interests of Stakeholders, particularly fund owners
Pemangku Kepentingan khususnya pemilik dana and non-controlling shareholders.
dan pemegang saham non-pengendali.
c. Pelaksanaan tugas Satuan Kerja Kepatuhan, c. The implementation of duties of the Compliance
Satuan Kerja Manajemen Risiko dan Satuan Kerja Unit and the Internal Audit Unit has been
Audit Intern telah independen dan bank telah independent, the Implementation of Risk
menerapkan fungsi kepatuhan dan fungsi audit Management and External Audit (Public
internal. Accountant) Assignments has met the aspects
required by the Financial Services Authority.
d. Penerapan Manajemen Risiko dan Penugasan d. Implementation of Risk Management and

Audit Eksternal (Akuntan Publik) telah memenuhi External Audit Assignment (Public Accountant)
aspek-aspek yang dipersyaratkan oleh Otoritas has met the aspects required by the Financial
Jasa Keuangan. Services Authority.
e. Bank secara berkala melakukan penilaian sendiri e. The Bank periodically conducts a comprehensive
(self assessment) secara komprehensif terhadap self-assessment of the adequacy of the
kecukupan penerapan Tata Kelola sehingga implementation of Good Corporate Governance so
Bank dapat segera menetapkan action plan, that the Bank can immediately establish an action
yang meliputi tindakan korektif yang diperlukan plan, which includes corrective actions needed if
apabila terdapat kekurangan. there are deficiencies.
f. Pada Semester II tahun 2021, modal Bank sangat f. In Semester II 2021, the Bank’s capital is very
memadai untuk meningkatkan ketahanan adequate to increase the resilience of the Bank
Bank dalam menjalankan fungsi intermediasi in carrying out the intermediation function and
dan meningkatkan kemampuan bank dalam increase the bank’s ability to absorb risk.
menyerap risiko.
Kelemahan Weakness
Bank perlu meningkatkan kualitas Governance The Bank needs to improve the quality of Governance
Stucture, Governance Process, dan Governance Structure, Governance Process, and Governance
Outcome agar penerapan tata kelola dapat berjalan Outcome to ensure that the implementation
sesuai dengan prinsip-prinsip tata kelola yang baik, of governance is in accordance with the good
terutama dalam hal sebagai berikut: governance principles, particularly in the following
matters:
a. Bank melakukan monitoring komitmen yang a. The Bank monitors the commitments made by the
dibuat oleh Bank kepada OJK dan lembaga Bank to the OJK and the competent authorities
otoritas yang berwenang masih secara manual. still manually. Therefore, the Bank has built a
Oleh karena itu Bank telah membangun sistem monitoring system for the compliance function
monitoring fungsi kepatuhan terkait komitmen related to the commitments made by the Bank to
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yang dibuat oleh Bank kepada OJK dan lembaga the OJK and the competent authorities, and there
otoritas yang berwenang, dan akan dilakukan will be socialization and an appeal to the Work
sosialisasi dan himbauan terhadap Unit Kerja Units to use this system for the implementation of
untuk menggunakan sistem ini untuk penerapan the compliance function.
fungsi kepatuhan.
b. Pemantauan penyediaan dana kepada pihak b. Monitoring the provision of funds to related parties
terkait (related party) dan penyediaan dana besar and the provision of large funds (large exposure) is
(large exposure) masih dilakukan secara manual still done manually because the Bank does not yet
dikarenakan Bank belum memiliki sistem untuk have a system to monitor this. Based on this, the
memonitoring hal tersebut. Berdasarkan hal itu, Bank is in the process of developing a system to
Bank dalam proses development sistem untuk monitor the provision of funds to related parties
memantau penyediaan dana kepada pihak terkait and the provision of large funds (large exposure).
(related party) dan penyediaan dana besat (large
exposure).
c. Pandemi COVID-19 berdampak pada pertumbuhan c. The COVID-19 pandemic has had an impact on
kredit dan penambahan pembentukan CKPN credit growth and additional CKPN formation and
serta berpotensi peningkatan risiko operasional. has the potential to increase operational risk. Due
Akibat dampak pandemi COVID-19 maka Bank to the impact of the COVID-19 pandemic, the Bank
menerapkan prinsip kehati-hatian dengan applies the precautionary principle by conducting
melakukan restrukturisasi bagi debitur yang restructuring for debtors affected by COVID-19
terdampak COVID-19 dan selektif dalam and being selective in providing credit. The Bank
pemberian kredit selain itu dalam pembentukan has also implemented WFH, split operation of
CKPN dapat di manage oleh Bank dengan baik. critical units, formation of a Covid Cluster Team,
Bank juga menerapkan WFH, split operation Socialization of Health Protocols, and so on to
unit critical, pembentukan Tim Gugus Covid, reduce the level of transmission of COVID-19.
Sosialisasi Protokol Kesehatan, dan sebagainya
untuk menekan tingkat penularan COVID-19.
Bank Sinarmas memperoleh angka peringkat 2 Bank Sinarmas obtained a rating of 2 (two) for the
(dua) atas penerapan GCG untuk periode pelaporan implementation of GCG for the self-assessment
self-assessment Semester II tahun 2021. Definisi reporting period of Semester II in 2021. The definition
atas perolehan peringkat 2 (dua) tersebut adalah of obtaining a rating of 2 (two) is that the Bank’s
mencerminkan Manajemen Bank telah melakukan Management has implemented GCG implementation
penerapan GCG yang secara umum baik dan which is generally good and complies with GCG
memenuhi prinsip-prinsip GCG. Apabila terdapat principles. . If there are weaknesses in the application
kelemahan dalam penerapan prinsip GCG, maka of GCG principles, in general these weaknesses are
secara umum kelemahan tersebut kurang signifikan less significant and can be resolved with normal
dan dapat diselesaikan dengan tindakan normal oleh actions by the Bank Management.
Manajemen Bank.
Rekomendasi Hasil Penilaian Recommended Assessment Results

Bank Sinarmas telah memenuhi penerapan prinsip- Bank Sinarmas has complied with the implementation
prinsip tata kelola secara umum, meskipun terdapat of general governance principles, although some
beberapa kelemahan yang teridentifikasi pada aspek weaknesses were identified in the governance aspect.
tata kelola. Bank berkomitmen untuk menjalankan The Bank is committed to implementing Good
prinsip-prinsip Tata Kelola dalam aktivitas untuk Corporate Governance principles in its activities to
mencapai keberlanjutan usaha Bank. achieve the Bank’s business sustainability.
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SOSIALISASI TATA KELOLA SOCIALIZATION OF CORPORATE GOVERNANCE
Bank Sinarmas telah melakukan sosialisasi terkait Bank Sinarmas has conducted socialization related
dengan penerapan GCG di lingkungan Bank to the implementation of GCG within the Bank
melalui fasilitas media elektronik (video conference) through electronic media (video conference) facilities
sepanjang tahun 2021. Materi yang disampaikan throughout 2021. The material presented relates to
berkenaan dengan prinsip-prinsip penerapan GCG, the principles of GCG implementation, compliance
kepatuhan dan lain-lain dengan perincian dalam and others with details in the table below.
tabel di bawah ini.
Kegiatan Sosialisasi Jumlah Sosialisasi

No
Socialization Activity Number of Socializations
1 Compliance Info (Co In) 11
2 Regulation Update 89
3 Campaign Anti Penyuapan

4
Anti-bribery Campaign
4 Pelatihan Compliance & APU PPT (kelas & e-learning)

11
Compliance & AML CFT Training (in class & e-learning)
1. Compliance Info 1. Compliance Info

Kampanye kepatuhan melalui media komunikasi The compliance campaign through the
Compliance Info (Co.In) dilakukan dengan tujuan Compliance Info (Co.In) communication media is
untuk menyajikan sosialiasi dan refreshment carried out with the aim of presenting socialization
ketentuan OJK, BI, PPATK, dan peraturan and refreshment of the provisions of OJK, BI,
perundang-undangan secara menarik melaui PPATK, and laws and regulations in an attractive
infografis sehingga mudah dipahami oleh seluruh way through infographics so that all employees
karyawan yang disampaikan melalui email. can easily understand it via email.
2. Regulation Update 2. Regulation Update

Satuan Kerja Kepatuhan juga melakukan The Compliance Unit also disseminates new
sosialisasi peraturan baru dari regulator disertai regulations from the regulators along with
kajian dampak dan tindak lanjut atas peraturan impact studies and follow-up on the regulations
dimaksud melalui e-mail Regulation Update. by e-mail Regulation Update. Regulation Update
Email Regulation Update diberikan kepada Unit emails are given to relevant Work Units, Directors,
Kerja terkait, Direksi, Komisaris, Pejabat Eksekutif, Commissioners, Executive Officers, employee
pimpinan karyawan, serta karyawan unit-unit leaders, and employees of related work units.
kerja terkait.
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3. Campaign Anti Penyuapan 3. Anti-Bribery Campaign

Bank Sinarmas juga membuat kampanye Bank Sinarmas juga membuat kampanye
kepatuhan lain melalui email serta media online kepatuhan lain melalui email serta media online
lainnya yaitu kampanye Anti Penyuapan kepada lainnya yaitu kampanye Anti Penyuapan kepada
seluruh karyawan sebagai wujud pencegahan seluruh karyawan sebagai wujud pencegahan
tindakan penyuapan maupun gratifikasi di dalam tindakan penyuapan maupun gratifikasi di dalam
lingkungan Bank Sinarmas. lingkungan Bank Sinarmas.
4. Pelatihan Compliance & APU PPT (kelas & 4. Compliance & APU PPT training (classes &
e-learning) e-learning)
Satuan Kerja Kepatuhan juga melakukan pelatihan Satuan Kerja Kepatuhan juga melakukan pelatihan
terkait aktivitas kepatuhan termasuk sosialisasi terkait aktivitas kepatuhan termasuk sosialisasi
ketentuan-ketentuan eksternal terkini ke seluruh ketentuan-ketentuan eksternal terkini ke seluruh
jajaran organisasi Bank. Evaluasi terhadap jajaran organisasi Bank. Evaluasi terhadap
program-program pelatihan dan kampanye program-program pelatihan dan kampanye
kepatuhan APU dan PPT dilakukan secara berkala kepatuhan APU dan PPT dilakukan secara berkala
dan berulang untuk memastikan efektifitas dan berulang untuk memastikan efektifitas
penyampaian, pemahaman serta pemenuhan penyampaian, pemahaman serta pemenuhan
kepatuhan pada seluruh jajaran organisasi kepatuhan pada seluruh jajaran organisasi
Bank. Dengan bertambahnya pengetahuan Bank. Dengan bertambahnya pengetahuan
dari karyawan mengenai regulation, kebijakan, dari karyawan mengenai regulation, kebijakan,
prosedur, kode etik, serta nilai-nilai kepatuhan, prosedur, kode etik, serta nilai-nilai kepatuhan,
diharapkan setiap Unit Kerja dapat menjalankan diharapkan setiap Unit Kerja dapat menjalankan
aktivitasnya dengan lebih percaya diri, efisien aktivitasnya dengan lebih percaya diri, efisien
dan efektif dalam mencapai tujuan, visi dan misi dan efektif dalam mencapai tujuan, visi dan misi
bersama yang telah ditetapkan oleh Manajemen bersama yang telah ditetapkan oleh Manajemen
Bank Sinarmas. Bank Sinarmas.
SOSIALISASI REGULASI KEPATUHAN TAHUN 2021

socialization of cimpliace regulation in 2021
Bentuk Kegiatan
No. Total
Form of Activity
1 Daftar Pelatihan/Sosialisasi yang dilakukan Unit Kepatuhan

6
List of Training/Socialization carried out by the Compliance Unit
2 Sosialisasi pada Training Eksternal

25
Socialization in External Trainings
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BANK 2021
Dalam sosialisasi tata kelola yang baik, Bank Sinarmas Bank Sinarmas did a socialize of good governance
melakukannya melalui beberapa program dalam through several programs in order to ensure that
rangka memastikan semua pegawai mendapatkan all employees receive guidance on implementing
panduan untuk menerapkan tata kelola perusahaan. corporate governance. The programs include:
Program itu antara lain:
Program Induksi Karyawan Baru New Employee Orientation Program
Bank Sinarmas memandang penanaman budaya Bank Sinarmas views that the cultivation of the
dan prinsip tata kelola yang baik harus dimulai sejak proper governance culture and principles must start
awal pegawai bergabung dengan Bank Sinarmas since the time an employee joins Sinarmas Bank eo
agar para pegawai dapat menerapkan prinsip dalam ensure that the employee will be able to apply the
menjalankan tugas dan tanggung jawabnya sesuai principles to carry out the duties and responsibilities
ketentuan Bank Sinarmas dan regulator. in accordance with the regulations of Bank Sinarmas
and the regulators.
Pegawai baru merupakan bibit yang nantinya New employees are the seeds that will learn, grow,
akan belajar, bertumbuh dan berkembang di Bank and develop at Bank Sinarmas. Information related to
Sinarmas. Pembekalan terkait corporate value sangat corporate value is very important, as the information
penting, karena di dalam pembekalan tersebut will include GCG values and a code of ethics which is
akan ditanamkan nilai-nilai GCG dan kode etik expected to be useful throughout his/her career at
yang diharapkan nantinya akan bermanfaat dalam Bank Sinarmas.
perjalanan kariernya di Bank Sinarmas.
Internalisasi Internalization
Dalam rangka menjamin agar nilai-nilai, etika dan etos In order to ensure that the values, ethics, and work
kerja perusahaan menjelma dalam kegiatan usaha ethic of the company manifest in the Bank’s business
Bank, Bank Sinarmas melakukan proses internalisasi activities, Bank Sinarmas conducts the process of
nilai dan etika sejak pegawai diterima kerja dengan internalizing values and ethics since the employee’s
memasukkan materi-materi ini dalam program acceptance by inserting these materials during the
orientasi pegawai baru. Guna memudahkan proses new employee orientation program. To facilitate the
adopsi nilai-nilai di dalamnya untuk diterapkan dalam process of adopting the values in day to day work,
pekerjaan sehari-hari, Bank Sinarmas melakukan Bank Sinarmas conducts the internalization process
proses internalisasi melalui berbagai tools, di through various tools, including:
antaranya:
1. Kemudahan akses Kode Etik dan Corporate 1. Easy access to the Code of Ethics and Corporate
Culture pada Portal Bank Sinarmas. Culture at Bank Sinarmas website.
2. Melakukan Fraud Awareness yang disebarkan 2. Conducting Fraud Awareness disseminated
rutin melalui email. through e-mail.
3. Melakukan Compliance Awareness melalui 3. Conducted Compliance Awareness through
Compliance Forum (Coffee TIME) yang disebarkan Compliance Forum (Coffee TIME) regularly
rutin melalui email. disseminated through e-mail.
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4. Pemberian starter kit yang berisi Peraturan 4. Providing a starter kit which include Company
Perusahaan dan melakukan pengkinian Regulations and continuously update the
peraturan tersebut. regulation.
Eksternalisasi Externalization
Selain memastikan penerapan tata kelola pada In addition to ensuring the implementation of
internal Bank, Bank Sinarmas juga melakukan governance at the Bank’s internal, Bank Sinarmas also
sosialisasi budaya dan prinsip tata kelola yang berlaku socializes the culture and principles of governance
di Bank kepada pihak eksternal. Baik kepada nasabah, that apply in the Bank to external parties. Both to
mitra kerja, pemegang saham hingga masyarakat customers, partners, shareholders, and the general
umum. public.
Eksternalisasi tata kelola berkaitan erat dengan Externalization of corporate governance is closely
prinsip transparansi dan kewajaran. Bank senantiasa related to the principle of transparency and fairness,
mengusung keterbukaan infomasi selaras dengan where Bank Sinarmas always carries transparency of
ketentuan kerahasiaan Bank, serta memperlakukan information yet adheres to the provisions of Bank’s
stakeholder dengan adil dan memiliki kesempatan confidentiality and treats the stakeholders fairly and
yang sama sesuai dengan hak yang melekat has equal opportunities in accordance with its rights.
bersamanya.
Bank Sinarmas mengimplementasikan eksternalisasi Bank Sinarmas implements externalization of

tata kelola melalui beberapa sarana, sebagai berikut: corporate governance through several means, namely:
1. Rapat Umum Pemegang Saham (RUPS) 1. General Meeting of Shareholders (GMS)

RUPS merupakan media komunikasi stakeholder GMS is a stakeholder’s communication
dengan Perseroan dan sebagai bentuk penerapan media to the Company and as a form of
tata kelola, karena di dalamnya tercermin wujud GCG implementation, because it is a form of
tanggung jawab pengurus Perseroan. Penjelasan management responsibility of the Company.
terkait RUPS dipaparkan pada bagian RUPS Bab Explanation concerning the GMS is described in
Tata Kelola Perusahaan pada Laporan Tahunan the GMS section of the Corporate Governance
ini. chapter in this Annual Report.
2. Hak-hak Pemegang Saham dan Fungsi 2. Shareholders Rights and Ownership Function
Kepemilikan
Bank Sinarmas mengimplementasikan hak- Bank Sinarmas implements the rights of
hak pemegang saham melalui hak mengajukan shareholders through the rights to ask questions
pertanyaan dalam RUPS, hak memperoleh in the GMS, the rights to obtain information, and
informasi, dan hak untuk menyetujui/tidak the rights to approve/disagree with the GMS’s
menyetujui keputusan RUPS melalui Surat Suara resolution through the Ballots given at the GMS.
yang diberikan pada saat RUPS.
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3. Disclosure dan Transparansi 3. Disclosure and Transparency

Keterbukaan informasi penting dilakukan sebagai Disclosure of information is important to conduct
media komunikasi pada perusahaan terbuka as communication medium for publicly listed
di mana hal tersebut dilakukan sesuai dengan companies, which is undertook in accordance
ketentuan pasar modal yang berlaku. Bank with the prevailing capital market provisions.
Sinarmas melakukan keterbukaan informasi Bank Sinarmas discloses information to
kepada stakeholder melalui berbagai sarana stakeholders through various medium, including
di antaranya Laporan Tahunan, situs web Bank the Annual Report, Bank Sinarmas website, social
Sinarmas, media sosial, situs web IDX, media media, IDX website, mass media, and reporting
massa serta pelaporan kepada regulator melalui to regulators through hardcopy and electronic
hardcopy maupun pelaporan elektronik. reporting.
4. Equal Treatment 4. Equal Treatment
Bank Sinarmas memberikan perlakuan yang Bank Sinarmas provides equal treatment to
sama kepada Pemegang Saham Minoritas dan Minority and Majority Shareholders, including
Mayoritas, termasuk dalam hal memperoleh in terms of obtaining information. This equality
informasi. Kesetaraan perlakuan ini diberikan treatment is given to provide disclosure of
dalam rangka keterbukaan informasi yang diatur information stipulated in the prevailing capital
dalam ketentuan pasar modal yang berlaku. market provisions. The public can also obtain
Masyarakat juga dapat memperoleh informasi information related to Bank Sinarmas through
terkait Bank Sinarmas melalui situs web www. the website www.banksinarmas.com and Bank
banksinarmas.com dan Bank Sinarmas CARE Sinarmas CARE 1500153 and (021) 50188888.
1500153 dan (021) 50188888.
5. Brand Image Positif Bank 5. Positive Brand Image of the Bank
Seiring dengan perkembangan teknologi yang Following the rapid development in technology,
sangat pesat, media yang ditawarkan untuk there are wider options of media to get
melakukan keterbukaan informasi semakin banyak. information. Bank Sinarmas seeks to maintain
Bank Sinarmas berupaya untuk mempertahankan a positive image by increasing awareness of
citra positif dengan meningkatkan awareness the Bank through various media. Print media,
terhadap Bank melalui berbagai media, seperti electronic media, and social media (websites,
media cetak, media elektronik, dan media sosial Instagram, Facebook, twitter and others)
(situs web, Instagram, Facebook, Twitter, dan become a means of supporting GCG practices,
lainnya) sekaligus untuk memberikan informasi such as information related to products, services,
terkait produk, layanan, WBS, dan lain sebagainya. WBS, and others.
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TATA KELOLA KEBERLANJUTAN [102-18] SUSTAINABILITY GOVERNANCE [102-18]
Bank Sinarmas telah membentuk Task Force Bank Sinarmas has established a Sustainable Finance
Keuangan Berkelanjutan dengan diketuai oleh Risk Task Force chaired by the Risk Management Group
Management Group Head pada tahun 2019. Task Head in 2019. The Task Force is supported by Group
Force didukung Group Head dari unit-unit lainnya. Heads from other units. Furthermore, sustainable
Selanjutnya, tata kelola keuangan berkelanjutan financial governance is implemented by the
dilaksanakan oleh Tim Compliance yang melaporkan Compliance Team, which reports its performance to
kinerjanya kepada Direktur Compliance and Risk the Director of Compliance and Risk Management, the
Management, Direksi, dan Dewan Komisaris. [102-19] Board of Directors, and the Board of Commissioners.
[102-26] [102-19] [102-26]
Tim Compliance telah melakukan beberapa kegiatan The Compliance Team has carried out several activities
terkait dengan Keuangan Berkelanjutan sebagai related to Sustainable Finance as follows:
berikut:
1. Menyusun Rencana Aksi Keuangan Berkelanjutan 1. Prepared the 2021 SFAP and submitted it to the
(RAKB) 2021 yang disampaikan kepada Otoritas OJK on time.
Jasa Keuangan (OJK) tepat waktu.
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2. Mengadakan pertemuan-pertemuan untuk 2. Conducted meetings to increase awareness of

meningkatkan pemahaman tentang RAKB. SFAP.
3. Melakukan pelatihan untuk meningkatkan 3. Conducted awareness training and workshops on
pemahaman tentang keuangan berkelanjutan. sustainable finance.
4. Menjalankan beberapa kegiatan tanggung jawab 4. Conducted several corporate social responsibility
sosial dan lingkungan (TJSL) sesuai rencana kerja activities according to the work plan to support
untuk mendukung implementasi keuangan sustainable finance (SF) and Sustainable
berkelanjutan (KB) serta Tujuan Pembangunan Development Goals (SDGs).
Berkelanjutan (TPB).
5. Mengadakan pertemuan-pertemuan untuk 5. Conducted meetings to monitor the
memantau pelaksanaan RAKB. implementation of the SFAP.
6. Melakukan evaluasi bersama atas penerapan 6. Conducted joint evaluations of the implementation
keuangan berkelanjutan di tahun 2021 sesuai of sustainable finance in 2020 as per the SFAP.
RAKB.
PROSES PENYUSUNAN RENCANA AKSI KEUANGAN BERKELANJUTAN

Sustainable Finance Action Plan Development Process
Kick-off Penyusunan Penilaian kepada Unit Perumusan Prioritas Aksi

Rencana Aksi Keuangan Kerja Terkait Keuangan Berkelanjutan
Berkelanjutan (Assessment to related (Sustainable Finance
(SFAP Kick-off) Units) Prioritization)
Perumusan Format Alokasi Dana kepada Kategori Penentuan Program-program

Isi RAKB Usaha Berkelanjutan Keuangan Berkelanjutan
(SFAP Outline (Sustainable Business Financial (Sustainable Finance Program
Determination) Allocation) Selection)
Persetujuan Dewan
Penyusunan RAKB Persetujuan Direksi
Komisaris
(SFAP Drafting) (BoD Approval)
(BoC Approval)
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Tim Compliance dan unit-unit penyusun RAKB The Compliance team and relevant units conduct
melakukan pemantauan secara berkala pada several activities such as periodic monitoring to
penerapan rencana untuk memastikan efektivitas ensure the effectiveness of Sustainable Finance
realisasi RAKB, serta menyampaikan laporan dan Action Plan implementation, and submitting reports
perkembangan kegiatan kepada manajemen puncak. and progress on activities to top management.
KETERLIBATAN PEMANGKU STAKEHOLDER ENGAGEMENT[102-40,

KEPENTINGAN[102-40, 102-42, 102-43, 102-44] 102-42, 102-43, 102-44]
Bank Sinarmas telah memetakan pemangku Bank Sinarmas has mapped its stakeholders based
kepentingan berdasarkan kedekatan dan pengaruhnya on their proximity and importance to the Company’s
terhadap Perusahaan melalui diskusi internal unit- business. Stakeholder mapping is carried out through
unit dalam operasional Perusahaan. Pendekatan yang internal discussions between the Company’s units.
dilakukan untuk melibatkan pemangku kepentingan The stakeholders engagement in the implementation
dalam penerapan keuangan berkelanjutan antara of Bank Sinarmas sustainable finance include, among
lain melalui Rapat Umum Pemegang Saham (RUPS), others, general shareholders meetings (GMS), regular
public expose secara rutin, serta mendapatkan umpan public exposures, and obtaining shareholders,
balik melalui kuesioner kepada pemegang saham, employees, partners, mass media, and regulators
karyawan, rekanan, media massa, dan pemerintah. feedback through questionnaires.
Bank Sinarmas terus berupaya meningkatkan Bank Sinarmas has continued to increase the
pelibatan pihak lokal terkait dengan keuangan involvement of local parties related to sustainable
berkelanjutan melalui layanan keuangan tanpa finance through officeless financial services in the
kantor dalam rangka keuangan inklusi (Laku Pandai) context of financial inclusion (Laku Pandai) since late
sejak akhir 2015. Melalui agen-agen Laku Pandai, 2015. Through Laku Pandai agents, banking services
layanan perbankan dapat tetap dinikmati masyarakat can still be enjoyed by the community, especially in
terutama di daerah pedesaan. rural areas.
Masyarakat dapat melakukan transaksi keuangan The public can make financial transactions such as
seperti menabung, menarik uang, pembelian pulsa saving money, withdrawing money, buying credit
dan pembayaran berbagai tagihan secara cepat dan and paying various bills quickly and safely at Laku
aman di agen-agen Laku Pandai. Hingga akhir tahun Pandai agents. Until the end of 2021, Bank Sinarmas
2021, Bank Sinarmas telah bekerja sama dengan lebih has collaborated with more than 7,800 Laku Pandai
dari 7.800 agen Laku Pandai yang tersebar di 175 kota agents spread across 175 cities and regencies.
dan kabupaten.
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PEMANGKU KEPENTINGAN
Stakeholders
Metode dan Frekuensi

Pelibatan Pemangku
Pemangku
Kepentingan Topik Utama
Kepentingan Respon dan Tindak Lanjut
Stakeholder Engagement Key Concern
Stakeholders Response and Follow Up
Method and Frequency
Pemegang • Rapat Umum Pemegang • Kinerja keuangan • Menyampaikan kinerja

saham Saham (RUPS) minimal • Kinerja sosial keuangan
Shareholder sekali setahun • Kinerja lingkungan • Menyampaikan kinerja
• Public Expose secara rutin keberlanjutan
• Umpan Balik/Kuesioner • Financial performance
• Social performance • Convey financial
• General Meeting of • Environmental performance performance
Shareholders (GMS) at least • Convey sustainability
annually performance
• Regular public expose
• Feedback/ Questionnaire
Pemerintah • Public Expose secara rutin • Kepatuhan regulasi dan • Pelaporan tentang
Regulator • Umpan Balik/Kuesioner pelaksanaan prinsip kehati- pelaksanaan tata kelola
hatian dan tata kelola dan kepatuhan regulasi
• Regular public expose perusahaan • Menyusun RAKB
• Feedback/ Questionnaire • Analisis risiko sosial dan • Menyusun laporan
lingkungan dalam pembiayaan tahunan dan laporan
• Anti-fraud dan anti-korupsi, keberlanjutan
anti pencucian uang serta • Pertemuan-pertemuan
pencegahan pendanaan lain
terorisme (APU-PPT)
• Report on the
• Regulatory compliance and implementation
implementation of prudential of governance and
principles and corporate regulatory compliance
governance • Prepare SFAP
• Analysis of social and • Prepare annual report
environmental risks in and sustainability report
financing • Other meetings
• Anti-fraud and anti-corruption,
anti-money laundering
and prevention of terrorism
financing (APU-PPT)
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Pelibatan Pemangku
Pemangku
Karyawan • Komunitas Karyawan • Hubungan industrial yang baik • Menyediakan sistem

Employee dengan kegiatan minimal • Hak dan kewajiban karyawan keluh kesah karyawan
sekali setahun • Kesempatan setara dalam • Mengatur hak dan
• Public Expose secara rutin pengembangan karir, kewajiban karyawan
• Umpan Balik/Kuesioner kompetensi, pelatihan dan dalam Peraturan
pendidikan Perusahaan
• Employees community • Kesehatan dan keamanan • Menyediakan pelatihan
with at least annual activity kerja dan pendidikan untuk
• Regular public expose semua karyawan
• Feedback/ • Industrial relations • Membangun sistem
Questionnaire • Employee rights and pengelolaan talenta
obligations termasuk evaluasi kinerja
• Equal opportunities in career yang adil, kenaikan
development, competence, jabatan, promosi, dan
training and education mutasi
• Occupational health and safety
• Provide a grievance
system
• Stipulate the rights and
obligations of employees
in the Company
Regulations
• Provide training and
education for all
employees
• Build a talent
management
system including fair
performance evaluation,
promotions, promotions
and transfers
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Pelibatan Pemangku
Pemangku
Nasabah/ • Public Expose secara rutin • Tanggapan dan tindak lanjut • Melalui media
Customer • Survei kepuasan pelanggan atas umpan balik, masukan, komunikasi, seperti
• Nasabah gathering keluhan, dan permintaan website, akun social
informasi media, call center
• Regular public expose • Pengembangan produk Bank Sinarmas 1500153
• Customer survey perbankan ataupun melalui tatap
• Customer gathering • Kesehatan dan keselamatan muka dengan frontliner
dalam operasional bank Bank Sinarmas
• Kinerja keberlanjutan • Menindaklanjuti umpan
• Perlindungan privasi nasabah balik, masukan, keluhan
dan keamanan data dan pengaduan yang
• Pendidikan dan pelatihan diterima
• Layanan perbankan yang prima • Menggali kebutuhan
• Literasi dan inklusi keuangan nasabah, dan
mengembangkan inovasi
• Feedback and follow-up, input, produk, serta layanan
complaints, and requests for digital
information • Menjaga privasi dan
• Development of banking keamanan data nasabah
products • Melaksanakan program
• Health and safety in business literasi dan inklusi
operations keuangan
• Sustainability performance
• Protection of customer privacy • Via communication
and data security media, such as websites,
• Education and training social media accounts,
• Excellent banking service Bank Sinarmas call center
• Financial literacy and inclusion 1500153 or face to face
with Bank Sinarmas
frontliners
• Follow up feedback,
input, and complaints
• Analyze customer needs
and develop product
innovations and digital
services
• Maintain the privacy and
security of customer data
• Implementing financial
literacy and inclusion
programs
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Pelibatan Pemangku
Pemangku
Mitra Bisnis atau • Public Expose secara rutin • Pengadaan barang dan/atau • Memberikan informasi
Rekanan/ • Umpan Balik/Kuesioner jasa yang adil dan transparan yang dibutuhkan
Business • Kontrak kerja yang saling untuk memperlancar
Partner • Regular public expose menguntungkan proses pengadaan dan
• Feedback/ Questionnaire • Pembayaran tepat waktu pekerjaan
• Hubungan kerja yang baik • Sosialisasi dan edukasi
kebijakan dan kode etik
• Fair and transparent • Membangun komunikasi
procurement of goods and bisnis yang sistematis
service • Melakukan pembayaran
• Mutually beneficial business tepat waktu
agreement
• Timely payment • Provide information to
• Good working relationship streamline procurement
and work processes
• Outreach and education
of policies and code of
ethics
• Build systematic business
communications
• Timely payment
Media • Public Expose secara rutin Informasi dan data perusahaan • Menyelenggarakan siaran
• Umpan Balik/Kuesioner seperti kinerja finansial, layanan pers
dan produk, serta aksi korporasi • Publikasi media dan
• Regular public expose Company information and data laporan perusahaan
• Feedback/ Questionnaire such as financial performance,
service and product, and corporate • Organizing press release
action • Media publications and
company reports
Masyarakat/ • Public Expose secara rutin • Informasi tentang kinerja • Menyusun laporan
Community • Umpan Balik/Kuesioner keberlanjutan tahunan dan laporan
• Aktivitas dan media • Informasi mengenai produk keberlanjutan
komunikasi promosi produk dan layanan, aksi korporasi dan • Edukasi dan sosialisasi
dan layanan TJSL mengenai Keuangan
Berkelanjutan
• Regular public expose • Information on sustainability • Melaksanakan kegiatan
• Feedback/ Questionnaire performance TJSL
• promotion of product and • Information on product and
service service, corporate action and • Prepare annual report
CSR and sustainability report
• Education and outreach
on Sustainable Finance
• Conduct TJSL activities
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Pelibatan Pemangku
Pemangku
Investor • Public Expose secara rutin Informasi dan data perusahaan • Menyampaikan kinerja
• Umpan Balik/Kuesioner seperti kinerja keuangan dan keuangan
perlindungan privasi nasabah dan • Menyusun laporan
• Regular public expose keamanan data tahunan dan laporan
• Feedback/ Questionnaire keberlanjutan
Company information and data • Menjaga privasi nasabah
such as financial performance and dan keamanan data
protection of customer privacy and perbankan
data security
• Convey financial
performance
• Prepare annual report
and sustainability report
• Maintain customer
privacy and banking data
security
RAPAT UMUM PEMEGANG SAHAM GENERAL MEETING OF

SHAREHOLDERS
Menurut Undang-Undang Nomor 40 Tahun 2007 According to Law Number 40 of 2007 concerning
tentang Perseroan Terbatas dan Anggaran Dasar Limited Liability Companies and the Company’s
Perseroan, Rapat Umum Pemegang Saham (RUPS) Articles of Association, the General Meeting of
adalah Organ Perseroan yang mempunyai wewenang Shareholders (GMS) is an organ of the Company
yang tidak diberikan kepada Direksi atau Dewan which has authority not granted to the Board of
Komisaris dalam batas yang ditentukan dalam Directors or the Board of Commissioners within the
Undang-Undang ini dan/atau anggaran dasar. RUPS limits specified in this Law and/or the budget. base.
dibagi menjadi 2 (dua), yaitu RUPS Tahunan dan The GMS is divided into 2 (two), namely the Annual
RUPS Luar Biasa. GMS and the Extraordinary GMS.
Para pemegang saham dapat mengemukakan Shareholders can express opinions and take part in
pendapat dan ikut andil dalam pengambilan making important decisions through the GMS. In
keputusan penting melalui RUPS. Selain itu, RUPS addition, the GMS is also a forum for evaluating the
juga menjadi forum evaluasi kinerja Direksi dan performance of the Board of Directors and the Board
Dewan Komisaris dengan memperhatikan seluruh of Commissioners by taking into account all aspects of
aspek operasional perusahaan, baik dari kinerja the company’s operations, both from the economic,
ekonomi, sosial, maupun lingkungan. social and environmental performance.
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LANDASAN HUKUM PELAKSANAAN RUPS LEGAL BASIS OF GMS IMPLEMENTATION
Landasan hukum pelaksanaan RUPS adalah: Landasan hukum pelaksanaan RUPS adalah:
1. Anggaran Dasar dan POJK No.32/POJK.04/2014 1. Articles of Association and OJK Regulation No.
tanggal 8 Desember 2014 tentang Rencana dan 32/POJK.04/2014 dated 8 December 2014 on the
Penyelenggaraan RUPS Perusahaan Terbuka Plan and Implementation of the GMS of Public
sebagaimana telah diubah dengan POJK No.10/ Companies as amended by OJK Regulation No.
POJK.04/2017 tanggal 14 Maret 2017. 10/ POJK.04/2017.
2. POJK No.15/POJK.04/2020 tentang Rencana 2. POJK No. 15/POJK.04 2020 on the Plan and
dan Penyelenggaraan Rapat Umum Pemegang Implementation of General Meeting of
Saham Perusahaan Terbuka. Shareholders of Public Companies.
MEKANISME PEMUNGUTAN DAN VOTING AND COUNTING MECHANISM

PENGHITUNGAN SUARA
RUPS tahun 2021 dipimpin oleh pimpinan rapat yang The 2021 GMS will be chaired by the chairman of the
merupakan anggota dewan direksi yang ditunjuk meeting who is a member of the board of directors
oleh dewan direksi. Acara RUPS dimulai dengan appointed by the board of directors. The GMS agenda
pembacaan Tata Tertib RUPS dan menjadi bagian begins with the reading of the GMS Rules and
dalam Berita Acara RUPS. becomes part of the GMS Minutes.
Setelah semua pertanyaan ditanggapi, selanjutnya After all questions have been answered, then a vote
dilakukan pemungutan suara dengan mengisi is carried out by filling in the ballots that have been
surat suara yang telah di bagikan sebelum RUPS distributed before the GMS takes place. Shareholders
berlangsung. Pemegang saham atau kuasanya or their legal proxies have the right to vote in decision
yang sah berhak untuk mengeluarkan suara dalam making. The notary will count the number of votes
pengambilan keputusan. Notaris akan menghitung against or blanks, and convey the results of the count
jumlah suara tidak setuju atau blanko, dan to the chairman of the meeting.
menyampaikan hasil penghitungan tersebut kepada
pimpinan rapat.
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HAK PEMEGANG SAHAM RIGHTS OF SHAREHOLDERS
Pemegang saham memiliki hak untuk berpartisipasi Shareholders have the right to participate in decision-
dalam pengambilan keputusan-keputusan terkait making related to the amendments to the Articles
perubahan Anggaran Dasar dan perubahan- of Association and other fundamental changes
perubahan mendasar lainnya mengenai perusahaan, regarding the company, the right to participate
hak untuk berpartisipasi secara efektif dan effectively, and to vote in the GMS, as well as the right
menggunakan suara dalam RUPS, serta hak untuk to obtain information regarding the GMS, including
mendapatkan informasi mengenai RUPS termasuk agenda, rules, and voting procedures.
mata acara/agenda, aturan, dan prosedur dalam .
pengambilan suara.
Bank Sinarmas melindungi hak-hak pemegang Bank Sinarmas protects the shareholders rights and
saham dan memfasilitasi pelaksanaan hak-hak dasar facilitate the basic rights of the shareholders. The
pemegang saham. Hak - hak dasar pemegang saham, shareholders basic rights are:
antara lain:
1. Menghadiri dan memberikan 1 (satu) suara dalam 1. To attend and give 1 (one) vote during the GMS
RUPS
2. Mendapatkan informasi yang relevan dan material 2. Obtain relevant and material information in a
secara tepat waktu timely manner
3. Dapat memberikan kuasa kepada pihak lain 3. Able to grant power of attorney to other parties
apabila pemegang saham berhalangan hadir if the shareholders are unable to attend the GSM
dalam RUPS
4. Memperoleh materi RUPS sebelum RUPS 4. Receive GMS materials prior to the implementation
dilaksanakan of the GMS
5. Dapat memberikan suara setuju, tidak setuju atau 5. Able to give agreement, disagreement, or abstain
abstain pada setiap usulan putusan agenda RUPS votes in every proposed decision during the GMS
6. Mendapat perlakuan yang sama dan setara dari 6. Received a fair and equal treatment from Bank
Bank Sinarmas. Sinarmas.
AKSES INFORMASI PEMEGANG SAHAM SHAREHOLDERS ACCESS OF INFORMATION
Pemegang saham dapat memperoleh informasi Shareholders can obtain information related to
terkait Bank Sinarmas melalui berbagai media Bank Sinarmas through various communication
komunikasi, antara lain melalui RUPS, paparan publik, media, including through the GMS, public expose,
media sosial, publikasi laporan keuangan per kuartal, social media, publication of quarterly financial
laporan tahunan, situs web (www.banksinarmas. reports, annual reports, website (www.banksinarmas.
com), serta akses email kepada Corporate Secretary com), and e-mail access to the Corporate Secretary
(corporate.secretary@ banksinarmas.com). (corporate.secretary@ banksinarmas.com).
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PELAKSANAAN RUPS 2021 2021 GMS IMPLEMENTATION
Bank Sinarmas menyelenggarakan RUPS Tahunan Bank Sinarmas held an Annual GMS on June 29, 2021.
pada tanggal 29 Juni 2021. RUPS ini dihadiri oleh This GMS was attended by a Notary and the Securities
Notaris dan Biro Administrasi Efek sebagai pihak Administration Bureau as independent parties to
independen untuk melakukan penghitungan calculate the quorum and vote.
kuorum dan pengambilan suara.
Tanggal & Waktu 29 Juni 2021

Date & Time 29 June 2021
Tempat Ruang Danamas, Sinar Mas Land Plaza, Tower II Lantai 39, Jl. MH Thamrin No. 51,
Place Jakarta 10350
Kehadiran 13.946.910.602 saham (70,74%) dari total 19.716.162.403 saham

Attendance 13,946,910,602 shares (70.74%) of the total 19,716,162,403 shares
Pimpinan RUPST Soejanto Soetjijo selaku Direktur

Chairman of the AGMS Soejanto Soetjijo as Director
Kehadiran anggota Dewan Komisaris, Hadir secara Virtual Komisaris Utama

termasuk Komisaris Utama Virtually Present Pressident Commissioners
Attendance of the Board of Tjendrawati Widjaya
Commissioners inclusing President
Commissioners Sammy Kristamuljana Komisaris Independen
Independent Commissioners
Rusmin Komisaris Independen

Independent Commissioners
Kehadiran anggota Direksi, termasuk Loa Johnny Mailoa Direktur

Direktur Utama Directors
Attendance of the Board of Directors
inclusing President Director Halim Direktur
Directors
Hanafi Himawan Direktur

Directors
Soejanto Soetjijo Direktur

Directors
Miko Andidjaja Direktur

Directors
Hadir secara Virtual Direktur Utama

Virtually Present President Director
Frenky Tirtowijoyo
Kehadiran Direktur Compliance and Hanafi Himawan

Risk Management
Attendance of Compliance and Risk
Management
Pihak Independen untuk melakukan Erlina Kumala Esti, S.E.,S.H.,M.Kn selaku Notaris
penghitungan kuorum dan pemungutan PT Sinartama Gunita selaku Biro Administrasi Efek
suara keputusan RUPST
Independent parties to conduct the
quorum and vote counts at the AGMS
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BANK 2021
Tahapan Penyelenggaraan RUPS Tahunan 2021 Stages of the 2021 Annual GMS Implementation
Tahapan pelaksanaan Rapat Umum Pemegang Stages of the 2021 Annual General Meeting of
Saham (RUPS) Tahunan 29 Juni 2021 dijelaskan Shareholders implementation on 29 June 2020 is
dalam tabel di bawah. described in the following table.
TAHAPAN RUPS TAHUNAN

Stages of the Annual GMS
Uraian Kegiatan Pelaksanaan Ketentuan

Description of Activity Implementation Provision
Pemberitahuan RUPS Pemberitahuan kepada OJK tentang rencana dan Perusahaan Terbuka wajib terlebih
Tahunan kepada mata acara Rapat pada tanggal 6 Mei 2021 dengan dahulu menyampaikan pemberitahuan
Regulator nomor surat No.SKL.133 /2021/PRESDIR-Corsec mata acara rapat kepada Otoritas Jasa
Annual GMS perihal Pemberitahuan Rencana Rapat Umum Keuangan paling lambat 5 (lima) hari
Notification to the Pemegang Saham Tahunan (“RUPST”) PT. Bank kerja sebelum pengumuman RUPS,
Regulator Sinarmas Tbk. (“Perseroan”) dengan tidak memperhitungkan tanggal
Notification to the OJK on the Meeting plan and pengumuman RUPS.
agenda on 6 May 2021 through the letter No. The Public Company must first notify the
SKL.190/2020/PRESDIR-CorSec on Notification of the agenda of the meeting to the Financial
Plan of the Annual General Meeting of Shareholders Services Authority no later than 5 (five)
(“AGMS”) and Extraordinary General Meeting of working days prior to the announcement
Shareholders (“EGMS”) of PT. Bank Sinarmas Tbk. of the GMS, excluding the date of the
(“Company”) GMS announcement.
Pengumuman RUPS • Diumumkan melalui surat kabar Investor Daily Perusahaan Terbuka wajib melakukan
Tahunan Indonesia pada tanggal 21 Mei 2021 pengumuman RUPS kepada pemegang
Annual GMS • Bukti Iklan disampaikan kepada OJK (hardcopy saham paling lambat 14 (empat belas)
Announcement dan e-Reporting via SPE OJK) dan BEI hari
(e-Reporting via IDXNet) pada tanggal 21 Mei sebelum pemanggilan RUPS, dengan
2021 tidak memperhitungkan tanggal
• Diunggah pada situs web Bank di hari yang pengumuman dan
sama www.banksinarmas.com tanggal pemanggilan.
• Diunggah pada situs web bursa www.idx.co.id The Public Company shall announce
dan situs web KSEI www.ksei.co.id the GMS to shareholders no later than
14 (fourteen) days prior to the invitation
• Announced through the Investor Daily to the GMS, excluding the date of
Indonesia newspaper on 21 May 2021 announcement and the date of the
• Proof of Announcement Advertisement is invitation.
submitted to OJK (hardcopy and e-Reporting
via SPE OJK) and IDX (e-Reporting via IDXNet)
on 21 May 2021
• ploaded on the Bank’s website on the same day
www.banksinarmas.com
• Uploaded on the stock exchange website www.
idx.co.id and KSEI website www.ksei.co.id
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Pemanggilan serta • Diumumkan melalui surat kabar Investor Daily Perusahaan Terbuka wajib melakukan
Penjelasan Mata Acara Indonesia Pada tanggal 7 Juni 2021 pemanggilan kepada pemegang saham
Invitation and Agenda • Bukti Iklan disampaikan kepada OJK (hardcopy paling lambat 21 (dua puluh satu) hari
Explanation dan e-Reporting via SPE sebelum
OJK) dan BEI (e-Reporting via IDXNet) pada tanggal penyelenggaraan RUPS,
tanggal 7 Juni 2021 dengan tidak memperhitungkan
• Diunggah pada situs web Bank di hari yang tanggal pemanggilan dan tanggal
sama www.banksinarmas.com penyelenggaraan RUPS.
• Diunggah pada situs web bursa www.idx.co.id The Public Company shall conduct the
dan situs web KSEI www.ksei.co.id summon to the GMS to shareholders
no later than 21 (twenty one) days prior
• Announced through the Investor Daily to the implementation to the GMS,
newspaper on 7 June 2021 excluding the date of invitation and the
• Proof of Invitation Advertisement is submitted date of the implementation of the GMS.
to OJK (hardcopy and e-Reporting via SPE OJK)
and IDX (e-Reporting via IDXNet) on 7 June
2021
• Uploaded on the Bank’s website on the same
day www.banksinarmas.com
Ringkasan Risalah • Dipublikasikan pada tanggal 30 Juni 2021 Ringkasan risalah RUPS wajib
(Hasil) RUPS Tahunan melalui surat kabar harian Investor Daily. diumumkan kepada masyarakat paling
Summary of Minutes • Bukti Iklan disampaikan kepada OJK (hardcopy lambat 2 (dua) hari
(Resolutions) of the dan e-Reporting via SPE OJK) dan BEI kerja setelah RUPS diselenggarakan.
Annual GMS (e-Reporting via IDXNet) pada tanggal 30 Juni Summary of the minutes of the GMS shall
2021 be announced to the public no later than
• Diunggah pada situs web Bank www. 2 (two) days after the implementation of
banksinarmas.com pada tanggal 30 Juni 2021 the GMS.
• Diunggah pada situs web bursa www.idx.co.id
dan situs web KSEI www.ksei.co.id
• Announced through the Investor Daily

newspaper on 30 June 2021
• Proof of Invitation Advertisement is submitted
to OJK (hardcopy and e-Reporting via SPE OJK)
and IDX (e-Reporting via IDXNet) on 30 June
2021
• Uploaded on the Bank’s website on the same
day www.banksinarmas.com
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Pihak Independen Penghitung Suara Independent Party to Count the Vote
Bank Sinarmas telah menunjuk pihak independen Bank Sinarmas has appointed independent parties,
yaitu Notaris Erlina Kumala Esti, S.E.,S.H.,M.Kn which were Notary Erlina Kumala Esti, S.E.,S.H.,M.
dan Badan Administrasi Efek (BAE) PT Sinartama Kn and Securities Administration Agency (BAE) PT.
Gunita dalam melakukan penghitungan dan/atau Sinartama Gunita to count and/or validate the votes.
memvalidasi suara.
Mata Acara RUPS Tahunan 2021 Agenda of the 2021 Annual GMS
Mata acara yang telah ditetapkan pada RUPS Tahunan Agenda items that have been estabilshed at the
adalah: Annual GMS are:
1. Menerima dan menyetujui laporan tahunan 1. Receive and approve the Board of Directors’
Direksi untuk Tahun Buku yang berakhir 31 Annual Report for the fiscal year ending 31
Desember 2020. December 2020.
2. Pengesahan perhitungan tahunan (Neraca 2. Ratification of the Annual Calculation (Balance
dan Perhitungan Rugi/Laba) untuk tahun buku Sheet and Profit/ Loss Calculation) for the fiscal
yang berakhir pada tanggal 31 Desember 2020 year ending on 31 December 2020 and to grant
serta memberikan pembebasan tanggung release and discharge (acquit et de charge) to
jawab kepada para anggota Direksi dan Dewan members of the Board of Directors and Board of
Komisaris atas pengurusan dan pengawasan Commissioners for management and supervision
(acquit et de charge) yang telah dijalankan untuk that have been carried out for the fiscal year
tahun buku yang berakhir pada 31 Desember ending on 31 December 2020.
2020.
3. Persetujuan penggunaan laba Perseroan untuk 3. Approval for the utilization of the Company’s profit
tahun buku yang berakhir pada 31 Desember for the fiscal year ending on 31 December 2020.
2020.
4. Penunjukan Kantor Akuntan Publik (KAP) untuk 4. Appointment of Public Accountant Office to audit
melakukan pemeriksaan (audit) pembukuan the 2021 financial statements.
tahun 2021.
5. Penetapan gaji para anggota Direksi serta 5. Determination of Salaries for members of the
honorarium Dewan Komisaris dan Dewan Board of Directors as well as Honorarium of the
Pengawas Syariah Board of Commissioners and Sharia Supervisory
Board of the Company in 2021.
6. Laporan realisasi penggunaan Dana Penawaran 6. Report on the proceeds of the Limited Public
Umum Terbatas II (PUT II). Offering Fund II (LPO II).
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KEPUTUSAN DAN REALISASI RUPS TAHUNAN 2021

Resolution and Realization of the Annual GMS
Mata Acara Keputusan

Agenda Resolution
Persetujuan Laporan Tahunan Direksi Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang
untuk tahun buku yang berakhir pada 31 berakhir pada 31 Desember 2020.
Desember 2020 Receive and approve the Board of Directors’ Annual Report for the fiscal year
Receive and approve the Board of Directors’ ending on 31 December 2020.
Annual Report for the fiscal year ending on
31 December 2020
Pengesahan Perhitungan Tahunan Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba)
(Neraca dan Perhitungan Rugi/Laba) untuk untuk tahun buku yang berakhir pada tanggal 31 Desember 2020 serta
tahun buku yang berakhir pada tanggal memberikan pembebasan tanggung jawab kepada para anggota Direksi dan
31 Desember 2020 serta memberikan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge)
pembebasan tanggung jawab kepada para yang telah dijalankan untuk tahun buku yang berakhir pada 31 Desember
anggota Direksi dan Dewan Komisaris atas 2020.
pengurusan dan pengawasan (acquit et de Approve the Annual Calculation (Balance Sheet and Calculation of Loss/
charge) yang telah dijalankan untuk tahun Profit) for the financial year ending on December 31, 2020 and grant waivers
buku yang berakhir pada 31 Desember of responsibility to members of the Board of Directors and the Board of
2020 Commissioners for the management and supervision (acquit et de charge)
Ratification of the Annual Calculation that have been carried out for the financial year ends on 31 December 2020.
(Balance Sheet and Profit/Loss Calculation)
for the fiscal year ending on 31 December
2020 and to grant release and discharge
(acquit et de charge) to members of
the Board of Directors and Board of
Commissioners for management and
supervision that have been carried out for
the fiscal year ending on 31 December 2020
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Agenda Resolution
Hasil Perhitungan Suara

Voting Results
Setuju : 13.946.910.502 saham | shares (99,99%)

Agree
Tidak Setuju : 100 saham | shares (0,01%)

Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine
Realisasi/Tindak Lanjut :
Realization/Follow-up
Telah direalisasikan pada tahun 2021

Has been realized in 2021
1. Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2020 yang telah diaudit oleh
Kantor Akuntan Publik Mirawati Sensi Idris dengan pendapat “wajar tanpa pengecualian” disampaikan kepada Otoritas
Jasa Keuangan dan Bursa Efek Indonesia pada tanggal 30 April 2021 dengan nomor surat No.SKL.111/2021/PRESDIR-
Corsec dan No.SKL.108/2021/PRSDIR-Corsec.
The Company’s Financial Statements for the financial year ending December 31, 2020 which have been audited by
the Public Accounting Firm Mirawati Sensi Idris with an “unqualified opinion” are submitted to the Financial Services
Authority and the Indonesia Stock Exchange on April 30, 2021 with letter number No. .SKL.111/2021/PRESDIR-Corsec and
No.SKL.108/2021/PRSDIR-Corsec.
2. Laporan Tahunan Perseroan telah disampaikan kepada Otoritas Jasa Keuangan dan Bursa Efek Indonesia pada
tanggal 28 Mei 2021 dengan nomor surat No.SKL.166/2021/PRESDIR-Corsec dan No.SKL. 167/2021/PRESDIR-Corsec Bank
Sinarmas telah mengumumkan pencapaian kinerja keuangan Perseroan selama periode 2020 pada Rapat Umum
Pemegang Saham Tahunan 2021.
The Company’s Annual Report has been submitted to the Financial Services Authority and the Indonesia Stock
Exchange on 28 May 2021 with letter numbers No.SKL.166/2021/PRESDIR-Corsec and No.SKL. 167/2021/PRESDIR-Corsec
Bank Sinarmas has announced the achievement of the Company’s financial performance during the 2020 period at the
2021 Annual General Meeting of Shareholders.
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Agenda Resolution
Persetujuan penggunaan laba Perseroan 1. Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir
untuk tahun buku yang berakhir pada pada 31 Desember 2020 sebesar Rp118.521.652.664 yang akan digunakan
31 Desember 2020 sebesar Rp500.000.000,00 untuk dana cadangan sesuai dengan
Approval for the utilization of the ketentuan pasal 70 ayat 1 Undang-undang Nomor 40 tahun 2007 dan
Company’s profit for the fiscal year ending pasal 23 anggaran dasar Perseroan.
on 31 December 2020 2. Menyetujui sisa laba bersih Perseroan sejumlah Rp118.021.652.664 akan
dipergunakan untuk memperkuat Permodalan Perseroan dan dicatat
sebagai Laba Yang Ditahan, sesuai dengan pasal 23 ayat 3 akan dikelola
oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi,
setelah memperoleh persetujuan Dewan Komisaris.
3. Memberikan wewenang kepada Direksi Perseroan untuk mengatur,
melaksanakan, dan menjalankan tindakan-tindakan yang diperlukan
sehubungan dengan penggunaan laba bersih Perseroan tersebut di atas
sesuai dengan ketentuan hukum dan peraturan yang berlaku.
1. Approved the utilization of the Company’s profits for the financial

year ended 31 December 2020 in the amount of Rp118,521,652,664 (one
hundred eighteen billion five hundred twenty one million six hundred
fifty two thousand six hundred sixty four rupiah) to be used in the amount
of Rp500,000,000.00 (Five Hundred Million Rupiah) for reserve funds in
accordance with the provisions of article 70 paragraph 1 Law No. 40 of
2007 and article 23 of the Company’s articles of association.
2. Approved that the remaining net profit of the Company in the amount
of Rp118,021,652,664 (one hundred eighteen billion five hundred twenty
one million six hundred fifty two thousand six hundred sixty four rupiah)
will be used to strengthen the Company’s Capital and posted as Retained
Earning, in accordance with article 23 paragraph 3 will be appropriately
managed by the Board of Directors, subject to the considerations of
the Board of Directors, after obtaining the approval of the Board of
Commissioners.
3. Granted the authority to the Company’s Board of Directors to regulate,
implement, and carry out the necessary actions in connection with the
use of the abovementioned net income of the Company in accordance
with the applicable laws and regulations.
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Agenda Resolution

Voting Results
Setuju : 13.946.910.502 saham shares (99,99%)

Agree
Tidak Setuju : 100 saham shares (0,01%)

Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine
Realisasi/Tindak Lanjut:
Realization/Follow-up:
RUPS memberikan wewenang kepada Direksi Perseroan dan telah direalisasikan pada tahun 2021.
Direksi Perseroan telah mengatur, melaksanakan, dan menjalankan tindakan-tindakan yang diperlukan sehubungan
dengan penggunaan laba bersih Perseroan sesuai dengan ketentuan hukum dan peraturan yang berlaku.
The GMS gave authority to the Board of Directors of the Company and it has been realized in 2021.
The Board of Directors of the Company has arranged, implemented, and carried out the necessary actions in connection
with the use of the Company’s net profit in accordance with applicable laws and regulations.
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Agenda Resolution
Penunjukan Kantor Akuntan Publik untuk 1. Menyetujui penunjukan Kantor Akuntan Publik Mirawati Sensi Idris untuk
melakukan pemeriksaan (audit) pembukuan melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk
tahun 2021 tahun buku yang akan berakhir pada tanggal 31 Desember 2021.
Appointment of a Public Accounting Firm 2. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan Akuntan
to conduct accounting audits in 2021 Publik pada Kantor Akuntan Publik Mirawati Sensi Idris untuk melakukan
pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku
yang akan berakhir pada tanggal 31 Desember 2021.
3. Memberikan kuasa kepada Direksi perseroan untuk menetapkan
honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-
persyaratan lain sehubungan dengan penunjukan Kantor Akuntan Publik
tersebut.
1. Approved the appointment of the Public Accounting Office Mirawati

Sensi Idris to audit the Company’s Financial Statements for the fiscal year
ended 31 December 2021.
2. Granting the authority to the Board of Commissioners to appoint a Public
Accountant at the Public Accountant Office Mirawati Sensi Idris to audit
the Company’s Financial Statements for the fiscal year ended 31 December
2021.
3. Granted the authority to the Company’s Board of Directors to determine the
honorarium for the Public Accounting Office, as well as other requirements
in connection with the appointment of the Public Accounting Office.

Voting Results

Agree

Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine
Telah terealisasi.
Kantor Akuntan Publik Mirawati Sensi Idris telah selesai melaksanakan audit Perseroan pada tanggal 25 Maret 2022.
It has been realized.
Mirawati Sensi Idris Public Accountant Firm has completed its audit of the Company on March 25, 2022.
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Agenda Resolution
Penetapan gaji para Anggota 1. Memberikan wewenang kepada Dewan Komisaris Perseroan untuk menetapkan
Direksi serta Honorarium Dewan gaji dan tunjangan anggota Direksi Perseroan dengan memperhatikan usul dari
Komisaris dan Dewan Pengawas Komite Remunerasi dan Nominasi Perseroan.
Syariah Perseroan tahun 2021 2. Menetapkan besaran honorarium dan/atau tunjangan lainnya dari Dewan Komisaris
Determination of salary of dan Dewan Pengawas Syariah Perseroan dengan besaran minimal sama dengan
Members of the Board of tahun 2020 dan maksimal peningkatan 20% dari tahun 2020.
Directors and Honorarium of the
Board of Commissioners and 1. Granted the authority to the Company’s Board of Commissioners to determine the
Sharia Supervisory Board of the salary and benefit of members of the Company’s Board of Directors by taking into
Company in 2021 account the recommendations of the Company’s Remuneration and Nomination
Committee.
2. Determine the amount of honorarium and/or other allowances for the Company’s
Board of Commissioners and Sharia Supervisory Board to a minimum of the amount
equal to 2020 and a maximum increase of 20% from 2020.

Voting Results

Agree

Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine
RUPS memberikan wewenang kepada Dewan Komisaris dan telah merealisasikan penetapan Gaji para anggota Direksi dan
Honorarium Dewan Komisaris Perseroan dengan memperhatikan usul dari Komite Remunerasi dan Nominasi.
The GMS has authorized the Board of Commissioners and has realized the determination of the Salaries of the members of the
Board of Directors and the Honorarium of the Board of Commissioners of the Company by taking into account the proposal
from the Remuneration and Nomination Committee.
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Agenda Resolution
Laporan realisasi penggunaan Laporan realisasi penggunaan Dana Penawaran Umum Terbatas II (PUT II)
Dana Penawaran Umum Report on the proceeds of the Limited Public Offering Fund II (LPO II)
Terbatas II (PUT II)
Report on the proceeds of the
Limited Public Offering Fund II
(LPO II)
Tidak ada pengambilan keputusan karena mata acara bersifat laporan

There is no decision making because the agenda is report
Telah terealisasi.
Direksi perseroan telah melaporkan realisasi penggunaan dana terbatas II (PUT II) kepada RUPS, berikut dengan rincian
Biaya Penawaran Umum, Realisasi Penggunaan Dana untuk Alokasi Modal Inti dan Sisa Dana Hasil Penawaran umum
Terbatas II.
It has been realized.
The company’s Board of Directors has reported the realization of the use of limited funds II (PUT II) to the GMS, along with
details of the Cost of the Public Offering, the Realization of the Use of Funds for Allocation of Core Capital and the Remaining
Funds from the Limited Public Offering II.
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KEPUTUSAN DAN REALISASI HASIL RUPS RESOLUTIONS AND REALIZATION OF PREVIOUS

SEBELUMNYA GMS RESULTS
Pada tahun 2020, Bank Sinarmas menyelenggarakan In 2020, Bank Sinarmas held 2 (two) GMS, namely the
2 (dua) kali RUPS yaitu RUPS Tahunan dan RUPS Luar Annual GMS and Extraordinary GMS.
Biasa.
Agenda dan keputusan dalam RUPS Tahunan 31 The agenda and decisions at the August 31, 2020
Agustus 2020 tersebut adalah: Annual GMS are:
1. Menerima dan menyetujui Laporan tahunan 1. Receive and approve the Board of Directors’
Direksi untuk tahun buku yang berakhir pada 31 Annual Report for the fiscal year ending 31
Desember 2019. December 2019.
2. Pengesahan Perhitungan Tahunan (Neraca dan 2. Ratification of the Annual Calculation (Balance
Perhitungan Rugi/Laba) untuk tahun buku yang Sheet and Profit/ Loss Calculation) for the fiscal
berakhir pada tanggal 31 Desember 2019 serta year ending on 31 December 2019 and to grant
memberikan pembebasan tanggung jawab release and discharge (acquit et de charge) to
kepada para anggota Direksi dan Dewan Komisaris members of the Board of Directors and Board of
atas pengurusan dan pengawasan (acquit et de Commissioners for management and supervision
charge) yang telah dijalankan untuk tahun buku that have been carried out for the fiscal year
yang berakhir pada 31 Desember 2019. ending on 31 December 2019.
3. Persetujuan penggunaan laba Perseroan untuk 3. Approval for the utilization of the Company’s
tahun buku yang berakhir pada 31 Desember 2019. profit for the fiscal year ending on 31 December
2019.
4. Penunjukan Kantor Akuntan Publik untuk 4. Appointment of Public Accountant Office to
melakukan pemeriksaan (audit) pembukuan audit the 2020 financial statements.
tahun 2020.
5. Penetapan gaji para anggota Direksi serta 5. Determination of Salaries for members of the
honorarium Dewan Komisaris dan Dewan Board of Directors as well as Honorarium of the
Pengawas Syariah Perseroan tahun 2020. Board of Commissioners and Sharia Supervisory
Board of the Company in 2020.
6. Laporan realisasi penggunaan Dana Penawaran 6. Report on the proceeds of the Limited Public
Umum Terbatas II (PUT II). Offering Fund II (LPO II).
7. Penegasan Kewenangan kepada Dewan 7. Affirmation of authority to the Board of
Komisaris untuk melaksanakan peningkatan Commissioners to implement an increase in the
modal Perseroan sehubungan dengan Exercise Company’s capital in connection with the Series
Waran Seri III. III Warrants.
8. Susunan Pengurus Perseroan. 8. Management Composition of the Company.
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KEPUTUSAN DAN REALISASI RUPS TAHUN 2020

Resolution and Realization of the 2020 Annual GMS

Agenda Resolution
Menerima dan menyetujui Laporan Tahunan Direksi Menerima dan Menyetujui Laporan Tahunan Direksi untuk tahun
untuk tahun buku yang berakhir 31 Desember 2019. buku yang berakhir pada 31 Desember 2019
Receive and approve the Board of Directors’ Annual Receive and approve the Board of Directors’ Annual Report for the
Report for the fiscal year ending on 31 December fiscal year ending on 31 December 2019
2019.

Voting Results
Setuju : 13.461.142.113 saham shares (100%)

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine
Telah direalisasikan pada tahun 2020.

1. Laporan Keuangan Perseroan untuk tahun buku yang berakhir pada tanggal 31 Desember 2019 yang telah diaudit oleh
Kantor Akuntan Publik Mirawati Sensi Idris dengan pendapat “wajar tanpa pengecualian” telah disampaikan kepada
Otoritas Jasa Keuangan dan Bursa Efek Indonesia pada tanggal 30 April 2020 dengan nomor surat No. SKL.110/2020/
PRESDIRCorSec dan No.SKL108/2020/PRESDIR-CorSec.
2. Laporan Tahunan Perseroan telah disampaikan kepada Otoritas Jasa Keuangan dan Bursa Efek Indonesia pada tanggal
30 Juni 2020 dengan nomor surat No. SKL153/2020/PRESDIR-CorSec. Bank Sinarmas telah mengumumkan pencapaian
kinerja keuangan Perseroan selama periode 2019 pada Rapat Umum Pemegang Saham Tahunan 2020.
1. The Company’s Financial Statements for the financial year ended December 31, 2019 which have been audited by the
Public Accounting Firm Mirawati Sensi Idris with an “unqualified opinion” have been submitted to the Financial Services
Authority and the Indonesia Stock Exchange on April 30, 2020 with letter number No. SKL.110/2020/PRESDIRCorSec and
No.SKL108/2020/PRESDIR-CorSec.
2. The Company’s Annual Report has been submitted to the Financial Services Authority and the Indonesia Stock Exchange
on 30 June 2020 with letter number No. SKL153/2020/PRESDIR-CorSec. Bank Sinarmas has announced the achievement
of the Company’s financial performance during the 2019 period at the 2020 Annual General Meeting of Shareholders.
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Agenda Resolution
Pengesahan Perhitungan Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun
Tahunan (Neraca dan buku yang berakhir pada tanggal 31 Desember 2019 serta memberikan pembebasan
Perhitungan Rugi/Laba) untuk dan pelunasan tanggung jawab (acquit et de charge) kepada para anggota Direksi
tahun buku yang berakhir pada atas tindakan pengurusan dan Dewan Komisaris atas tindakan pengawasan yang telah
tanggal 31 Desember 2019 serta dijalankan untuk tahun buku yang berakhir pada tanggal 31 Desember 2019.
memberikan pembebasan Ratifying the Annual Calculation (Balance Sheet and Profit/Loss Calculation) for the fiscal
tanggung jawab kepada para year ended 31 December 2019 and granted release and discharge of (acquit et de charge) to
anggota Direksi dan Dewan members of the Board of Directors for management actions and Board of Commissioners
Komisaris atas pengurusan for supervisory actions that have been carried out for the fiscal year ended 31 December
dan pengawasan (acquit et de 2019.
charge) yang telah dijalankan
untuk tahun buku yang
berakhir pada 31 Desember
2019.
Ratification of the Annual
Calculation (Balance Sheet
and Profit/Loss Calculation)
for the fiscal year ending on 31
December 2019 and to grant
release and discharge (acquit
et de charge) to members of
the Board of Directors and
Board of Commissioners for
management and supervision
that have been carried out for
the fiscal year ending on 31
December 2019.

Voting Results

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine
Telah direalisasikan pada tahun 2020.

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Agenda Resolution
Persetujuan penggunaan laba 1. Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31
Perseroan untuk tahun buku Desember 2019 sebesar Rp6.752 miliar (enam koma tujuh lima dua miliar rupiah)
yang berakhir pada 31 Desember yang akan digunakan sebesar Rp500.000.000,00 (lima ratus juta rupiah) untuk dana
2019. cadangan sesuai dengan ketentuan pasal 70 ayat 1 Undang-undang Nomor 40 tahun
Approval for the utilization of the 2007 dan pasal 23 anggaran dasar Perseroan.
Company’s profit for the fiscal 2. Menyetujui sisa laba bersih Perseroan sejumlah Rp6,252 miliar (enam koma dua lima
year ending on 31 December dua miliar rupiah) akan dipergunakan untuk memperkuat Permodalan Perseroan dan
2019. dicatat sebagai Laba Yang Ditahan, sesuai dengan pasal 23 ayat 3 akan dikelola oleh
Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah memperoleh
persetujuan Dewan Komisaris.
3. Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, dan
menjalankan tindakan-tindakan yang diperlukan sehubungan dengan penggunaan
laba bersih Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan
yang berlaku.
1. Approved the utilization of the Company’s profits for the financial year ended 31
December 2019 in the amount of Rp6,752 billion (six point seven five two billion rupiah)
to be used in the amount of Rp500,000,000.00 (Five Hundred Million Rupiah) for
reserve funds in accordance with the provisions of article 70 paragraph 1 Law No. 40 of
2007 and article 23 of the Company’s articles of association
2. Approved that the remaining net profit of the Company in the amount of Rp6.252
billion (six point two five two billion rupiah) will be used to strengthen the Company’s
Capital and posted as Retained Earning, in accordance with article 23 paragraph 3 will
be appropriately managed by the Board of Directors, subject to the considerations of
the Board of Directors, after obtaining the approval of the Board of Commissioners.
3. Granted the authority to the Company’s Board of Directors to regulate, implement, and
carry out the necessary actions in connection with the use of the abovementioned net
income of the Company in accordance with the applicable laws and regulations.

Voting Results

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine

RUPS memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, dan menjalankan tindakan-
tindakan yang diperlukan sehubungan dengan penggunaan laba bersih Perseroan sesuai dengan ketentuan hukum dan
peraturan yang berlaku.
The GMS authorizes the Board of Directors of the Company to regulate, implement, and carry out the necessary actions in
connection with the use of the Company’s net profit in accordance with applicable laws and regulations.
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Agenda Resolution
Penunjukan Kantor Akuntan Publik untuk 1. Menyetujui penunjukan Kantor Akuntan Publik Mirawati Sensi
melakukan pemeriksaan (audit) pembukuan Idris untuk melakukan pemeriksaan (audit) Laporan Keuangan
tahun 2020. Perseroan untuk tahun buku yang akan berakhir pada tanggal 31
Appointment of a Public Accounting Firm to Desember 2020.
conduct accounting audits in 2020. 2. Memberikan kuasa kepada Dewan Komisaris untuk menetapkan
Akuntan Publik pada Kantor Akuntan Publik Mirawati Sensi
Idris untuk melakukan pemeriksaan (audit) Laporan Keuangan
Perseroan untuk tahun buku yang akan berakhir pada tanggal 31
Desember 2020.
3. Memberikan kuasa kepada Direksi Perseroan untuk menetapkan
honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-
persyaratan lain sehubungan dengan penunjukan Kantor Akuntan
Publik tersebut.
1. Approved the appointment of the Public Accounting Office

Mirawati Sensi Idris to audit the Company’s Financial Statements
for the fiscal year ended 31 December 2020.
2. Granting the authority to the Board of Commissioners to appoint a
Public Accountant at the Public Accountant Office Mirawati Sensi
Idris to audit the Company’s Financial Statements for the fiscal year
ended 31 December 2020.
3. Granted the authority to the Company’s Board of Directors to
determine the honorarium for the Public Accounting Office, as well
as other requirements in connection with the appointment of the
Public Accounting Office.

Voting Results

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine

Kantor Akuntan Publik Mirawati Sensi Idris telah selesai melaksanakan audit Perseroan pada tanggal 15 April 2021.
The Public Accounting Firm of Mirawati Sensi Idris has completed its audit of the Company on April 15, 2021.
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Agenda Resolution
Penetapan gaji para Anggota Direksi serta 1. Memberikan wewenang kepada Dewan Komisaris Perseroan untuk
Honorarium Dewan Komisaris dan Dewan menetapkan gaji dan tunjangan anggota Direksi Perseroan dengan
Pengawas Syariah Perseroan tahun 2020. memperhatikan usul dari Komite Remunerasi dan Nominasi
Determination of salary of Members of the Board Perseroan.
of Directors and Honorarium of the Board of 2. Menetapkan besaran honorarium dan/atau tunjangan lainnya
Commissioners and Sharia Supervisory Board of dari Dewan Komisaris dan Dewan Pengawas Syariah Perseroan
the Company in 2020. dengan besaran minimal sama dengan tahun 2019 dan maksimal
peningkatan 20% dari tahun 2019.
1. Granted the authority to the Company’s Board of Commissioners

to determine the salary and benefit of members of the Company’s
Board of Directors by taking into account the recommendations of
the Company’s Remuneration and Nomination Committee.
2. Determine the amount of honorarium and/or other allowances for
the Company’s Board of Commissioners and Sharia Supervisory
Board to a minimum of the amount equal to 2019 and a maximum
increase of 20% from 2019.

Voting Results

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine

RUPS memberikan wewenang kepada Dewan Komisaris untuk menetapkan gaji para anggota Direksi dan honorarium
Dewan Komisaris Perseroan dengan memperhatikan usul yang diajukan oleh Komite Remunerasi dan Nominasi.
The GMS authorizes the Board of Commissioners to determine the Salaries of the members of the Board of Directors and the
Honorarium of the Company’s Board of Commissioners by taking into account the proposals submitted by the Remuneration
and Nomination Committee.
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Agenda Resolution
Laporan realisasi penggunaan Dana Penawaran Laporan realisasi penggunaan Dana Penawaran Umum Terbatas II (PUT
Umum Terbatas II (PUT II). II).
Report on the proceeds of the Limited Public Report on the proceeds of the Limited Public Offering Fund II (LPO II).
Offering Fund II (LPO II).
Tidak ada pengambilan keputusan karena mata acara bersifat Laporan

There is no decision making because the agenda is Report

Direksi perseroan telah melaporkan realisasi penggunaan dana terbatas II (PUT II) kepada RUPS, berikut dengan rincian Biaya
Penawaran Umum, Realisasi Penggunaan Dana untuk Alokasi Modal Inti dan Sisa Dana Hasil Penawaran umum Terbatas II.
The company’s Board of Directors has reported the realization of the use of limited funds II (PUT II) to the GMS, along with
details of the Cost of the Public Offering, the Realization of the Use of Funds for Allocation of Core Capital and the Remaining
Funds from the Limited Public Offering II.

Agenda Resolution
Penegasan Kewenangan kepada Dewan Menyetujui pemberian kewenangan kepada Dewan

Komisaris untuk melaksanakan peningkatan Komisaris untuk melaksanakan peningkatan modal
modal Perseroan sehubungan dengan Exercise Perseroan sehubungan dengan Exercise Waran
Waran Seri III. Seri III.
Affirmation of authority to the Board of Approved the granting of authority to the Board of Commissioners to
Commissioners to implement an increase in the implement an increase in the Company’s capital in connection with the
Company’s capital in connection with the Series III Series III Warrants.
Warrants.

Voting Results

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine

RUPS memberikan wewenang kepada Dewan Komisaris untuk melaksanakan peningkatan modal Perseroan sehubungan
dengan exercise Waran Seri III dan telah dijalankan.
The GMS authorized the Board of Commissioners to carry out an increase in the Company’s capital in connection with the
exercise of Series III Warrants and has been carried out.
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Agenda Resolution
Susunan Pengurus Perseroan 1. Menyetujui pemberhentian dengan hormat seluruh anggota

Direksi dan Dewan Komisaris Perseroan serta memberikan
pelunasan dan pembebasan (acquit de charge) tanggung jawab
sepenuhnya selama menjalankan jabatannya sepanjang tindakan-
tindakan tersebut tercermin dalam buku-buku Perseroan dan tidak
bertentangan atau melanggar peraturan perundang-undangan
yang berlaku serta mengucapkan terima kasih atas sumbangsih
dan jasa-jasa yang telah diberikan.
2. Menyetujui pemberhentian dengan hormat Dewan Pengawas
Syariah yang masa jabatannya akan berakhir terhitung sejak
ditutupnya Rapat ini.
3. Menyetujui pengangkatan kembali seluruh anggota Direksi,
Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan untuk
masa jabatan terhitung sejak ditutupnya Rapat sampai dengan
penutupan RUPST pada akhir 1 (satu) periode masa jabatan anggota
Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan
yaitu pada saat penutupan RUPST yang akan diselenggarakan
pada tahun 2023.
1. Approve the honorable discharge of all members of the Board of

Directors and Board of Commissioners of the Company and granted
full release and discharge (acquit de charge) while carrying out their
positions as long as these actions are reflected in the books of the
Company and do not conflict or violate the prevailing laws and
regulations as well as expressing gratitude for the contributions and
services that have been provided.
2. Approve the honorable discharge of the Sharia Supervisory Board
whose term of office will end as of the closing of this Meeting.
3. Approved the reappointment of all members of the Board of
Directors, Board of Commissioners, and Sharia Supervisory Board
of the Company for the term of office effective from the closing
of the Meeting until the closing of the AGMS at the end of 1 (one)
term of office for the members of the Board of Directors, Board of
Commissioners, and Sharia Supervisory Board of the Company at
the time of the closing if the AGMS to be held in 2023.

Voting Results

Agree
Tidak Setuju :-
Disagree
Abstain :-
Abstain
Tidak Menentukan :-
Did not determine

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Agenda dan keputusan dalam RUPS Luar Biasa Agenda and Resolutions of Extraordinary GMS
Bank Sinarmas menyelenggarakan RUPS luar Bank Sinarmas menyelenggarakan RUPS luar biasa
biasa pada 31 Agustus 2020 dengan agenda rapat pada 31 Agustus 2020 dengan agenda rapat Perubahan
Perubahan Anggaran Dasar Perseroan. Anggaran Dasar Perseroan.
KEPUTUSAN DAN REALISASI RUPS LUAR BIASA

Agenda and Resolutions of Extraordinary GMS

Agenda Resolution
Perubahan Anggaran 1. Menyetujui untuk mengubah dan/atau menyusun kembali Pasal 3 Anggaran Dasar Perseroan
Dasar Perseroan tentang maksud dan tujuan serta kegiatan usaha Perseroan, guna pemenuhan persyaratan dan
Amandments to the ketentuan Peraturan Pemerintah Nomor 24 Tahun 2018 tentang Pelayanan Perizinan Berusaha
Company’s Articles of Terintegrasi Secara Elektronik, yang disesuaikan dengan Klasifikasi Baku Lapangan Usaha
Association Indonesia 2017 (KBLI 2017).
2. Menyetujui perubahan beberapa pasal Anggaran Dasar Perseroan dalam rangka penyesuaian
terhadap POJK Nomor 15/POJK.04/2020 tentang Rencana dan Penyelenggaraan Rapat Umum
Pemegang Saham Perusahaan Terbuka.
3. Memberikan kuasa kepada Direksi Perseroan dan/atau Corporate Secretary Perseroan dengan
hak substitusi untuk melakukan segala tindakan yang diperlukan berkaitan dengan keputusan
Mata Acara Rapat ini, termasuk namun tidakterbatas untuk menyusun dan menyatakan kembali
seluruh Anggaran Dasar Perseroan dalam suatu Akta Notaris, dan untuk memberitahukan dan/
atau mengajukan permohonan persetujuan atas perubahan Anggaran Dasar Perseroan tersebut
kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan instansi-instansi terkait.
1. Agree to amend and/or rearrange Article 3 of the Company’s Articles of Association on the purposes
and objectives as well as business activities of the Company, in order to fulfill the requirements and
provisions of Government Regulation No. 24 of 2018 on Electronically Integrated Business Licensing
Services, which are adjusted to the 2017 Indonesian Standard Industrial Classification (KBLI 2017).
2. Approval to the amendments to several articles of the Company’s Articles of Association in order
to adjust to POJK No. 15/POJK.04/2020 on the Plan and Implementation of General Meeting of
Shareholders of Public Companies.
3. Granting the authority to the Company’s Board of Directors and/or Corporate Secretary with the
right of substitution to take all necessary actions in connection with the decisions of this Meeting
Agenda, including but not limited to compiling and restating all of the Company’s Articles of
Association in a Notarial Deed, and to notify and/or submit a request for approval of the amendment
to the Company’s Articles of Association to the Minister of Law and Human Rights of the Republic
of Indonesia and related agencies.

Voting Results
Setuju | Agree : 13.299.796.640 saham shares (100%)
Tidak Setuju :-
Disagree
Abstain | Abstain :-
Tidak Menentukan :-
Did not determine

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DEWAN KOMISARIS BOARD OF COMMISSIONERS
Dewan Komisaris merupakan organ utama Perseroan The Board of Commissioners is the main organ of
yang bertugas melakukan pengawasan secara umum the Company in charge of conducting general and/
dan/atau khusus sesuai dengan anggaran dasar serta or specific supervision in accordance with the articles
memberi nasihat kepada Direksi. Dewan Komisaris of association and providing advice to the Board
memiliki tanggung jawab sebagai pengawas of Directors. The Board of Commissioners has the
kebijakan-kebijakan manajemen, proses manajemen responsibility of supervising management policies,
di dalam perusahaan, sekaligus mengawasi dan management processes within the company, as well as
memberikan saran/nasihat kepada Direksi. supervising and providing advice/advice to the Board of
Directors.
Rapat Umum Pemegang Saham (RUPS) mengangkat The General Meeting of Shareholders (GMS) appoints
dan memberhentikan Dewan Komisaris berdasarkan and dismisses the Board of Commissioners based
rekomendasi Komite Remunerasi dan Nominasi. on the recommendation of the Remuneration and
Masa jabatan Dewan Komisaris berlaku sejak tanggal Nomination Committee. The term of office of the
yang ditetapkan dalam RUPS, serta berakhir pada Board of Commissioners is effective from the date
saat ditutupnya RUPS ke-3 (tiga) setelah tanggal determined in the GMS, and ends at the closing of
pengangkatan. Komposisi Dewan Komisaris the 3rd (third) GMS after the date of appointment.
ditetapkan dengan mempertimbangkan kebutuhan The composition of the Board of Commissioners
dan kompleksitas Bank, dan didasarkan pada keahlian, is determined taking into account the needs and
pengalaman profesional serta latar belakang. complexity of the Bank, and is based on expertise,
professional experience and background.
DASAR HUKUM LEGAL BASIS
Dewan Komisaris merupakan organ utama Perseroan The Board of Commissioners is the main organ of the
dengan dasar hukum penetapan, tugas, tanggung Company with the legal basis for determining, the
jawab, dan wewenang diatur dalam perundang- duties, responsibilities and authorities are regulated
undangan, antara lain: in the legislation, including:
1. Undang-Undang No. 40 tahun 2007 tentang 1. Law No. 40 of 2007 on Limited Liability Companies.
Perseroan Terbatas.
2. Anggaran Dasar Perseroan. 2. Company’s Articles of Association.
3. Peraturan Otoritas Jasa Keuangan No. 33/ 3. Financial Services Authority Regulation No. 33/
POJK.04/2014 tentang Direksi dan Dewan POJK.04/2014 on the Board of Directors and Board
Komisaris Emiten atau Perusahaan Publik. of Commissioners of Issuers or Public Companies.
4. Peraturan Otoritas Jasa Keuangan Nomor 15/ 4. Financial Services Authority Regulation No. 15/
POJK.04/2015 tanggal 3 November 2015 tentang POJK.04/2015 dated 3 November 2015 on the
Penerapan Prinsip Syariah di Pasar Modal. Application of Sharia Principles in the Capital
Market.
5. Peraturan Otoritas Jasa keuangan Nomor 18/ 5. Financial Services Authority Regulation No.
POJK.03/2016 tanggal 16 Maret 2016 tentang 18/POJK.03/2016 dated 16 March 2016 on the
Penerapan Manajemen Risiko Bagi Bank Umum. Application of Risk Management for Commercial
Banks.
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6. Surat Edaran Otoritas Jasa Keuangan Nomor 34/ 6. Circular Letter of Financial Services Authority No.
SEOJK.03/2016 tanggal 1 September 2016 tentang 34SECJK.03/2016 dated 1 September 2016 on the
Penerapan Manajemen Risiko bagi Bank umum. Application of Risk Management for Commercial
7. Peraturan Otoritas Jasa Keuangan nomor 55/ Banks.
POJK.03/2016 tanggal 7 Desember 2016 tentang 7. Financial Services Authority Regulation No. 55/
Penerapan Tata Kelola bagi Bank Umum. POJK.03/2016 dated 7 December 2016 on the
8. Surat Edaran Otoritas Jasa Keuangan Nomor 13/ Application of Governance for Commercial Banks.
SEOJK.03/2017 tanggal 17 Maret 2017 tentang 8. Circular Letter of Financial Services Authority No.
Penerapan Tata Kelola bagi Bank Umum 13/ SEOJK.03/2017 dated 17 March 2017 on the
9. Peraturan Otoritas Jasa Keuangan Nomor 45/ Application of Governance for Commercial Banks
POJK.03/2017 tanggal 12 Juli 2017 tentang 9. Financial Services Authority Regulation No.
Pelaksanaan Fungsi Kepatuhan Bank Umum. 45/POJK.03/2017 dated 12 July 2017 on the
Implementation of the Compliance Function of
10. Peraturan Otoritas Jasa Keuangan Nomor 1/ Commercial Banks.
POJK.03/2019 tanggal 28 Januari 2019 tentang 10. Financial Services Authority Regulation No. 1/
Penerapan Fungsi Audit Intern pada Bank Umum. POJK.03/2019 dated 28 January 2019 on the
Implementation of the Internal Audit Function in
Commercial Banks.
PEDOMAN DEWAN KOMISARIS BOARD OF COMMISSIONERS GUIDELINES
Dalam menjalankan fungsi pengawasan di Bank In carrying out the supervisory function at Bank
Sinarmas, Dewan Komisaris memiliki Pedoman Sinarmas, the Board of Commissioners has the Board
Dewan Komisaris Rev. 2.0 yang ditetapkan melalui of Commissioners Guidelines Rev. 2.0 stipulated by
Surat Keputusan No.SK.041/2018/PRESKOM tanggal 17 Decree No. SK.041/2018/PRESKOM dated 17 October
Oktober 2018, yang mengatur hal-hal sebagai berikut: 2018, which regulates the following matters:
I. Ketentuan Umum I. General Terms

II. Landasan Hukum II. Legal Foundation
III. Keanggotaan III. Membership
IV. Masa Jabatan IV. Length of service
V. Pengunduran dan Pemberhentian Dewan V. Resignation and Dismissal of the Board of
Komisaris Commissioners
VI. Benturan Kepentingan VI. Conflict of Interest
VII. Rangkap Jabatan VII. Double job
VIII. Transparansi Dewan Komisaris VIII. Transparency of the Board of Commissioners
IX. Deskripsi Tugas, Tanggung Jawab Secara Umum IX. Job Description, General Responsibilities
X. Wewenang X. Authority
XI. Nilai-nilai XI. Values
XII. Orientasi Dewan Komisaris XII. Board of Commissioners orientation
XIII. Pelaporan XIII. Reporting
XIV. Larangan XIV. Prohibition
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Tata Tertib Kerja Dewan Komisaris Charter of the Board of Commissioners
Bank Sinarmas mengatur tata tertib kerja dewan Bank Sinarmas regulates the work rules of the board
komisaris dalam Surat Keputusan Dewan Komisaris of commissioners in the Decree of the Board of
No. SK.042/2018/PRESKOM tentang Tata Tertib Kerja Commissioners No. SK.042/2018/PRESKOM regarding
Dewan Komisaris Rev. 2.0 tanggal 17 Oktober 2018. the Work Rules of the Board of Commissioners Rev. 2.0
Tata tertib ini membahas tahapan kegiatan sehingga dated 17 October 2018. This code of conduct discusses
dapat menjadi acuan bagi Dewan Komisaris the stages of activities so that it can be a reference for the
dalam melaksanakan tugas masing-masing dalam Board of Commissioners in carrying out their respective
melakukan fungsi pengawasannya, antara lain: duties in carrying out their supervisory functions,
including:
1. Waktu Kerja dan Cuti Dewan Komisaris 1. Working Time and Leave of the Board of
Commissioners
2. Rapat 2. Meeting
3. Perjalanan Dinas Dewan Komisaris 3. Board of Commissioners official trip
4. Kuasa Umum 4. General Authority
5. Pelatihan Dewan Komisaris 5. Board of Commissioners training
6. Pakaian 6. Clothes
7. Kepatuhan terhadap Peraturan 7. Compliance with Regulations
8. Kode Etik 8. Code of Conduct
TUGAS DAN TANGGUNG JAWAB DEWAN DUTIES AND RESPONSIBILITIES OF THE BOARD
KOMISARIS OF COMMISSIONERS
Sebagaimana tercantum dalam Pedoman Dewan As stated in the Board of Commissioners Guidelines
Komisaris Bank Sinarmas, tugas, dan tanggung jawab of Bank Sinarmas, the following are the duties and
Dewan Komisaris adalah sebagai berikut: responsibilities of the Board of Commissioners:
1. Dewan Komisaris wajib melaksanakan tugas dan 1. The Board of Commissioners must carry out its
tanggung jawab secara independen. duties and responsibilities independently.
2. Dewan Komisaris wajib memastikan penerapan 2. The Board of Commissioners must ensure that
tata kelola yang baik terselenggara dalam setiap good corporate governance is implemented in
kegiatan usaha Bank pada seluruh tingkatan atau each of the Bank’s business activity at all levels or
jenjang organisasi. ranks of the organization.
3. Dewan Komisaris bertugas malakukan 3. The Board of Commissioners has the duty to
pengawasan dan bertanggung jawab atas supervise and be responsible for oversight
pengawasan terhadap kebijakan pengurusan, of the management policy, the course of the
jalannya pengurusan pada umunya, baik management in general, both concerning the
mengenai Bank maupun usaha Bank, dan Bank and the Bank’s business, and providing
memberi nasihat kepada Direksi. advice to the Board of Directors.
4. Dewan Komisaris wajib mengarahkan, 4. The Board of Commissioners must direct, monitor,
memantau, dan mengevaluasi pelaksanaan and evaluate the implementation of the Bank’s
kebijakan strategis Bank. strategic policies.
5. Dalam melaksanakan pengawasan Dewan 5. In carrying out its supervision, the Board of
Komisaris dilarang ikut serta dalam pengambilan Commissioners is prohibited from participating
keputusan kegiatan operasional Bank, kecuali: in the decision making of the Bank’s operations,
except:
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a. Penyedia dana kepada pihak terkait a. Provision of funds to related parties as

sebagaimana diatur dalam ketentuan stipulated in the provisions concerning
mengenai batas maksimum pemberian the maximum legal lending limit for
kredit bank umum; dan commercial banks; and
b. Hal-hal lain yang ditetapkan dalam b. Other matters stipulated in the Bank’s
anggaran dasar Bank atau peraturan articles of association or statutory
perundang-undangan. regulations.
6. Pengambilan keputusan kegiatan operasional 6. The decision making of the Bank’s operational
Bank oleh Dewan Komisaris merupakan bagian activities by the Board of Commissioners is
dan tugas pengawasan oleh Dewan Komisaris part of the supervisory duties by the Board
sehingga tidak meniadakan tanggung jawab of Commissioners so as not to negate the
Direksi atas pelaksanaan kepengurusan Bank. responsibilities of the Board of Directors for the
implementation of the Bank’s management.
7. Dalam pelaksanaan audit intern, Dewan Komisaris 7. In the implementation of internal audit, the Board
bertanggung jawab: of Commissioners is responsible for:
a. Memastikan Direksi menyusun dan a. Ensuring that the Board of Directors
memelihara sistem pengendalian intern develops and maintains an adequate,
yang memadai, efektif, dan efisien; effective, and efficient internal control
system;
b. Mengkaji efektivitas dan efisiensi sistem b. Reviewing the effectiveness and efficiency
pengendalian intern berdasarkan informasi of the internal control system based on
yang diperoleh dari SKAI paling sedikit information obtained from the Internal
sekali dalam 1 (satu) tahun; dan Audit Work Unit at least once in 1 (one) year;
and
c. Menunjuk pengendali mutu independen c. Appointing an independent quality
dari pihak ekstern untuk melakukan controller from an external party to review
kaji ulang terhadap kinerja SKAI dengan the performance of the Internal Audit Work
mempertimbangkan rekomendasi Komite Unit by considering the recommendations
Audit. of the Audit Committee.
8. Tanggung jawab akhir pengawasan dilakukan 8. The final responsibility for supervision is carried
oleh Dewan Komisaris antara lain dengan out by the Board of Commissioners by evaluating
mengevaluasi hasil temuan pemeriksaan the findings of the inspection by the Internal
oleh Satuan Kerja Audit Intenal (SKAI). Dalam Audit Work Unit (IAU). Accordingly, the Board of
kaitan ini, Dewan Komisaris berwenang untuk Commissioners has the authority to ask the Board
meminta Direksi menindaklanjuti hasil temuan of Directors to follow up on the findings of the IAU
pemeriksaan SKAI. inspection.
9. Dewan Komisaris wajib memastikan bahwa 9. The Board of Commissioners must ensure
Direksi telah menindaklanjuti temuan audit dan that the Board of Directors has followed up on
rekomendasi dari Satuan Kerja Audit Intemal audit findings and recommendations from the
(SKAI), auditor eksternal, hasil pengawasan Internal Audit Work Unit (IAU), external auditors,
Otoritas Jasa Keuangan dan/atau hasil supervision results of the Financial Services
pengawasan otoritas lain. Authority and/or the results of other authorities.
10. Dewan Komisaris wajib melakukan pengawasan 10. The Board of Commissioners must supervise the
terhadap pelaksanaan fungsi kepatuhan. implementation of the compliance function.
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11. Dewan Komisaris wajib melakukan pengawasan 11. The Board of Commissioners must supervise the
terhadap fungsi kepatuhan, dengan: compliance function, by:
a. Mengawasi pelaksanaan fungsi kepatuhan a. Supervise the implementation of the Bank’s
Bank paling sedikit 2 (dua) kali dalam 1 compliance function at least (2) twice in one
(satu) tahun; dan year; and
b. Memberikan saran untuk meningkatkan b. Provide advice to improve the quality of the
kualitas pelaksanaan fungsi kepatuhan implementation of the Bank’s compliance
Bank. function.
12. Dewan Komisaris paling sedikit melakukan: 12. The Board of Commissioners do at least:
a. Pengawasan terhadap penerapan a. Supervision on the implementation of
pelaksanaan kebijakan remunerasi; dan remuneration policy; and
b. Evaluasi secara berkala atas kebijakan b. Periodic evaluation of the remuneration
remunerasi atas dasar hasil pengawasan policy based on the results of supervision as
sebagaimana dimaksud huruf a. referred to in letter a.
13. Dewan Komisaris wajib melakukan pengawasan 13. The Board of Commissioners must actively
secara aktif terhadap pelaksanaan kebijakan supervise the implementation of the Credit
Restrukturisasi Kredit. Restructuring policy.
14. Dalam kondisi tetentu, Dewan Komisaris 14. In certain conditions, the Board of Commissioners
wajib menyelenggarakan RUPS Tahunan dan must hold the AGMS and other GMS, in accordance
RUPS lainnya sesuai dengan kewenangannya with its authorities as stipulated in the legislation
sebagaimana diatur dalam peraturan perundang- and articles of association.
undangan dan anggaran dasar.
15. Anggota Dewan Komisaris melaksanakan tugas 15. Members of the Board of Commissioners must
dan tanggung jawabnya dengan itikad baik, carry out their duties and responsibilities in good
penuh tanggung jawab, dan kehati-hatian. faith, full of responsibility, and prudence.
16. Dalam rangka mendukung efektivitas 16. In order to support the implementation
pelaksanaan tugas dan tanggung jawab, Dewan effectiveness of duties and responsibilities, the
Komisaris wajib membentuk paling sedikit: Board of Commissioners must establish at least:
a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; dan b. Risk Monitoring Committee; and
c. Komite Remunerasi dan Nominasi. c. Remuneration and Nomination Committee.
17. Dewan Komisaris wajib memastikan bahwa 17. The Board of Commissioners must ensure that
komite yang telah dibentuk menjalankan tugas the established committees carry out their duties
secara efektif. effectively.
18. Setiap Dewan Komisaris bertanggung jawab 18. Each member of the Board of Commissioners
secara tanggung renteng (kolegial) atas kerugian is jointly and collegially responsible for the
Bank yang disebabkan oleh kesalahan atau Bank’s losses generated by errors or omissions
kelalaian anggota Dewan Komisaris dalam of members of the Board of Commissioners in
menjalankan tugasnya. carrying out their duties.
19. Anggota Dewan Komisaris tidak dapat 19. Members of the Board of Commissioners do not
dipertanggungjawabkan atas kerugian Bank take the responsibility for losses of the Bank if
apabila dapat membuktikan: they are able to prove that:
a. Kerugian tersebut bukan karena a. The loss is not due to their error or
kesalahan atau kelalaiannya; negligence;
b. Telah melakukan pengurusan dengan itikad b. Has done management in good faith,
baik, penuh tanggung jawab, dan kehati- full of responsibility, and prudence for
hatian untuk kepentingan dan sesuai the interests and in accordance with the
dengan maksud dan tujuan Perseroan; purposes and objectives of the Company;
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c. Tidak mempunyai benturan kepentingan c. Has no conflicts of interest, either directly or

baik langsung maupun tidak langsung atas indirectly, over management actions that
tindakan pengurusan yang mengakibatkan result in losses; and
kerugian; dan
d. Telah mengambil tindakan untuk d. Has taken actions to prevent the occurrence
mencegah timbul atau berlanjutnya or continuation of these losses.
kerugian tersebut.
WEWENANG DEWAN KOMISARIS AUTHORITY OF THE BOARD OF

COMMISSIONERS
Rincian wewenang yang dimiliki oleh Dewan Details of authorities of the Board of Commissioners
Komisaris adalah sebagai berikut: are as follows:
1. Dewan Komisaris berwenang memberhentikan 1. The Board of Commissioners has the authority
sementara anggota Direksi dengan menyebutkan to temporarily dismiss members of the Board of
alasannya; Directors by stating the reasons;
2. Dewan Komisaris dapat melakukan tindakan 2. The Board of Commissioners can act to manage
pengurusan Bank dalam keadaan tertentu untuk the Bank under certain conditions for a certain
jangka waktu tertentu; dan period; and
3. Wewenang sebagaimana dimaksud pada poin 3. Authority as referred to in point 2 (two) is
2 (dua) ditetapkan berdasarkan Anggaran Dasar determined based on the Articles of Association
atau keputusan RUPS. or the resolution of the AGMS.
KEWAJIBAN DEWAN KOMISARIS OBLIGATIONS OF THE BOARD OF

COMMISSIONERS
Dewan Komisaris memiliki kewajiban sebagai berikut The Board of Commissioners has the following
: obligations:
1. Dewan Komisaris wajib melaksanakan tugas dan 1. The Board of Commissioners must carry out its
tanggung jawab secara independen. duties and responsibilities independently.
2. Dewan Komisaris wajib memastikan penerapan 2. The Board of Commissioners must ensure that
tata kelola yang baik terselenggara dalam setiap good corporate governance is implemented in
kegiatan usaha Bank pada seluruh tingkatan atau each of the Bank’s business activity at all levels or
jenjang organisasi. ranks of the organization.
3. Dewan Komisaris bertugas melakukan 3. The Board of Commissioners has the duty to
pengawasan dan bertanggung jawab atas supervise and be responsible for oversight
pengawasan terhadap kebijakan pengurusan, of the management policy, the course of the
jalannya pengurusan pada umumnya, baik management in general, both concerning the
mengenai Bank maupun usaha Bank, dan Bank and the Bank’s business, and providing
memberi nasihat kepada Direksi. advice to the Board of Directors.
4. Dalam melaksanakan pengawasan, Dewan 4. In carrying out its supervision, the Board of
Komisaris dilarang ikut serta dalam pengambilan Commissioners is prohibited from participating
keputusan kegiatan operasional Bank, kecuali: in the decision making of the Bank’s operations,
except:
a. Penyediaan dana kepada pihak terkait a. Provision of funds to related parties as
sebagaimana diatur dalam ketentuan stipulated in the provisions concerning
mengenai batas maksimum pemberian the maximum legal lending limit for
kredit bank umum; commercial banks; and
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b. Hal-hal lain yang ditetapkan dalam b. Other matters stipulated in the Bank’s
anggaran dasar Bank atau peraturan articles of association or statutory
perundang-undangan. regulations.
5. Pengambilan keputusan kegiatan operasional 5. The decision making of the Bank’s operational
Bank oleh Dewan Komisaris merupakan bagian activities by the Board of Commissioners is
dari tugas pengawasan oleh Dewan Komisaris part of the supervisory duties by the Board
sehingga tidak meniadakan tanggung jawab of Commissioners so as not to negate the
Direksi atas pelaksanaan kepengurusan Bank. responsibilities of the Board of Directors for the
implementation of the Bank’s management.
6. Dewan Komisaris wajib memastikan bahwa 6. The Board of Commissioners must ensure
Direksi telah menindaklanjuti temuan audit dan that the Board of Directors has followed up on
rekomendasi dari Satuan Kerja Audit Internal, audit findings and recommendations from the
auditor eksternal, hasil pengawasan Otoritas Jasa Internal Audit Work Unit (IAU), external auditors,
Keuangan, dan/atau hasil pengawasan otoritas supervision results of the Financial Services
lain. Authority and/or the results of other authorities.
7. Dalam kondisi tertentu, Dewan Komisaris 7. In certain conditions, the Board of Commissioners
wajib menyelenggarakan RUPS tahunan dan must hold the AGMS and other GMS, in accordance
RUPS lainnya sesuai dengan kewenangannya with its authorities as stipulated in the legislation
sebagaimana diatur dalam peraturan perundang- and articles of association.
undangan dan anggaran dasar.
8. Anggota Dewan Komisaris wajib melaksanakan 8. Members of the Board of Commissioners must
tugas dan tanggung jawabnya dengan itikad carry out their duties and responsibilities in good
baik, penuh tanggung jawab, dan kehati-hatian; faith, full of responsibility, and prudence.
9. Dalam rangka mendukung efektivitas 9. In order to support the implementation
pelaksanaan tugas dan tanggung jawab, Dewan effectiveness of duties and responsibilities, the
Komisaris wajib membentuk paling sedikit: Board of Commissioners must establish at least:
a. Komite Audit; a. Audit Committee;
b. Komite Pemantau Risiko; dan b. Risk Monitoring Committee; and
c. Komite Remunerasi dan Nominasi. c. Remuneration and Nomination Committee.
10. Dewan Komisaris wajib memastikan bahwa 10. The Board of Commissioners must ensure that
komite yang telah dibentuk menjalankan tugas the established committees carry out their duties
secara efektif. effectively.
11. Setiap Dewan Komisaris bertanggung jawab 11. Each member of the Board of Commissioners
secara tanggung renteng (kolegial) atas kerugian is jointly and collegially responsible for the
Bank yang disebabkan oleh kesalahan atau Bank’s losses generated by errors or omissions
kelalaian anggota Dewan Komisaris dalam of members of the Board of Commissioners in
menjalankan tugasnya. carrying out their duties.
12. Anggota Dewan Komisaris tidak dapat 12. Members of the Board of Commissioners do not
dipertanggungjawabkan atas kerugian Bank take the responsibility for losses of the Bank if
apabila dapat membuktikan: they are able to prove that:
a. Kerugian tersebut bukan karena kesalahan a. The loss is not due to their error or
atau kelalaiannya; negligence;
b. Telah melakukan pengurusan dengan itikad b. Has done management in good faith,
baik, penuh tanggung jawab, dan kehati- full of responsibility, and prudence for
hatian untuk kepentingan dan sesuai the interests and in accordance with the
dengan maksud dan tujuan Perseroan; purposes and objectives of the Company;
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c. Tidak mempunyai benturan kepentingan m. Has no conflicts of interest, either directly or

baik langsung maupun tidak langsung atas indirectly, over management actions that
tindakan pengurusan yang mengakibatkan result in losses; and
kerugian; dan
d. Telah mengambil tindakan untuk n. Has taken actions to prevent the occurrence
mencegah timbul atau berlanjutnya or continuation of these losses.
kerugian tersebut.
KRITERIA ANGGOTA DEWAN KOMISARIS MEMBERSHIP CRITERIA OF THE BOARD OF

COMMISSIONERS
Berdasarkan peraturan perundang-undangan yang Based on the prevailing laws and regulations, the
berlaku, kriteria nominasi anggota dewan komisaris criteria for nomination of members of the board of
adalah sebagai berikut: commissioners are as follows:
Kriteria
No.
Criteria
Bank wajib memiliki anggota Dewan Komisaris dengan jumlah paling sedikit 3 (tiga) orang dan paling banyak sama
dengan jumlah anggota Direksi.
1
The Bank is required to have a minimum of at least 3 (three) members of the Board of Commissioners and a
maximum of the same number of members of the Board of Directors.
Anggota Dewan Komisaris harus memenuhi persyaratan penilaian kemampuan dan kepatutan sesuai Peraturan
Otoritas Jasa Keuangan mengenai Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa
Keuangan.
2
Members of the Board of Commissioners must meet the fit and proper assessment requirements in accordance
with the Financial Services Authority Regulation on the Fit and Proper Test for Main Parties of Financial Services
Institutions.
Anggota Dewan Komisaris paling sedikit 1 (satu) orang wajib berdomisili di Indonesia.
3
At least 1 (one) member of the Board of Commissioners must domicile in Indonesia.
Dewan Komisaris wajib dipimpin oleh Presiden Komisaris atau Komisaris Utama.
4
The Board of Commissioners must be chaired by a President Commissioner.
Dewan Komisaris wajib terdiri dari Komisaris Independen dan Komisaris Non-Independen.
5
The Board of Commissioners must consist of Independent Commissioners and Non-Independent Commissioners.
Komisaris Independen wajib paling sedikit berjumlah 50% (lima puluh persen) dari jumlah anggota Dewan
Komisaris.
6
The Independent Commissioners must be at least 50% (fifty percent) of the total members of the Board of
Commissioners.
Anggota Dewan Komisaris adalah orang perseorangan yang memenuhi persyaratan pada saat diangkat dan
selama menjabat:
7 a. Mempunyai akhlak, moral, dan integritas yang baik;
b. Cakap melakukan perbuatan hukum;
c. Dalam 5 (lima) tahun sebelum pengangkatan dan selama menjabat
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I. Tidak pernah dinyatakan pailit;

II. Tidak pernah menjadi anggota Direksi dan/atau Dewan Komisaris yang dinyatakan bersalah menyebabkan
suatu perusahaan dinyatakan pailit;
III. Tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/atau yang
berkaitan dengan sektor keuangan; dan
IV. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:
• Pernah tidak menyelenggarakan RUPS tahunan;
• Pertanggungjawabannya sebagai anggota Direksi dan/atau anggota Dewan Komisaris pernah tidak
diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/
atau anggota Dewan Komisaris kepada RUPS; dan
• Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan atau pendaftaran dari Otoritas
Jasa Keuangan tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan
keuangan kepada Otoritas Jasa Keuangan.
d. Memiliki komitmen untuk mematuhi peraturan perundang-undangan; dan
e. Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Bank.
Members of the Board of Commissioners are individuals who meet the requirements at the time of appointment
and during the term of office:
a. Having a good character, good morals, and integrity;
b. Proficient in performing legal actions;
c. Within five (5) years prior to appointment and during their term of office:
I. Never been declared bankrupt;
II. Never become a member of the Board of Directors and/or Board of Commissioners who is found guilty of
causing a company to be declared bankrupt;
III. Never been punished for committing a crime that is detrimental to state finances and/or relating to the
financial sector; and
IV. Never been a member of the Board of Directors and/or any member of the Board of Commissioners who
during his term of office:
• Failed to hold the Annual GMS;
• The accountability as a member of the Board of Directors and/ or a member of the Board of
Commissioners was refused by the GMS or failed to deliver the responsibility as a member of the Board
of Directors and/or members of the Board of Commissioners to the General Meeting of Shareholders;
and
• Caused a company that obtains a permit, approval or registration from the Financial Services Authority
fails to comply with the obligation to submit annual reports and/or financial statements to the Financial
Services Authority.
d. Have a commitment to comply with laws and regulations; and
e. Have knowledge and/or expertise in the field required by Bank.
Selain memenuhi ketentuan pada poin 7 (tujuh), Komisaris Independen wajib memenuhi persyaratan sebagai
berikut:
a. Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk
merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Bank dalam waktu 6 (enam) bulan
terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris Independen Bank pada periode berikutnya;
b. Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank;
c. Tidak mempunyai hubungan aliansi dengan Bank, anggota Dewan Komisaris, anggota Direksi, atau pemegang
saham utama Bank;
d. Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan dengan kegiatan
usaha Bank.
8
In addition to meeting the provisions in point 7 (seven), Independent Commissioners must meet the following
requirements
a. Not a person who works or has the authority and responsibility to plan, lead, control, or supervise the activities
of the Bank in the last 6 (six) months, except for reappointment as an Independent Commissioner of the Bank
in the following period;
b. Has no shares directly or indirectly at the Bank;
c. Has no Affiliation with the Bank, members of the Board of Commissioners, members of the Board of Directors,
or major shareholders of the Bank; and
d. Has no a business relationship either directly or indirectly related to the Bank’s business activities
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Mantan anggota Direksi atau Pejabat Eksekutif Bank atau pihak-pihak yang mempunyai hubungan dengan Bank,
yang dapat memengaruhi kemampuan yang bersangkutan untuk bertindak independen wajib menjalani masa
tunggu (cooling off) paling singkat 1 (satu) tahun sebelum menjadi Komisaris Independen Bank.
9
Former members of the Board of Directors or Executive Officers of the Bank or parties related to the Bank, which
can affect the ability of those concerned to act independently must have a cooling off period of at least 1 (one) year
prior to becoming an Independent Commissioner of the Bank.
Ketentuan pada poin 9 tidak berlaku bagi mantan anggota Direksi yang membawahi fungsi pengawasan atau
Pejabat Eksekutif yang melakukan fungsi pengawasan pada Bank.
10
The provisions in point 9 do not apply to former members of the Board of Directors who carry out the supervisory
function or Executive Officers who carry out supervisory functions at the Bank.
Komisaris Non-Independen dapat beralih menjadi Komisaris Independen setelah memenuhi persyaratan sebagai
Komisaris Independen.
11
Non-Independent Commissioners can switch to Independent Commissioners after meeting the requirements as
Independent Commissioners.
Komisaris Non-Independen yang akan beralih menjadi Komisaris Independen wajib menjalani masa tunggu
(cooling off) paling singkat 6 (enam) bulan.
12
Non-Independent Commissioners who will transfer to Independent Commissioners must undergo a cooling off
period of at least 6 (six) months.
Peralihan dari Komisaris Non-Independen menjadi Komisaris Independen wajib memperoleh persetujuan Otoritas
Jasa Keuangan.
13
The transition from a Non-Independent Commissioner to an Independent Commissioner must obtain the approval
of the Financial Services Authority.
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KOMPOSISI DEWAN KOMISARIS COMPOSITION OF THE BOARD OF

COMMISSIONERS
Peraturan Otoritas Jasa Keuangan Nomor 55/ Financial Services Authority Regulation Number
POJK.03/2016 tentang Penerapan Tata Kelola bagi 55/POJK.03/2016 concerning Implementation of
Bank Umum mengatur komposisi dewan komisaris: Governance for Commercial Banks regulates the
composition of the board of commissioners:
1. Bank wajib memiliki anggota Dewan Komisaris 1. The Bank is required to have a minimum of at least
dengan jumlah paling sedikit 3 (tiga) orang dan 3 (three) members of the Board of Commissioners
paling banyak sama dengan jumlah anggota and a maximum of the same number of members
Direksi. of the Board of Directors.
2. Anggota Dewan Komisaris paling sedikit 1 (satu) 2. At least 1 (one) member of the Board of
orang wajib berdomisili di Indonesia. Commissioners must domicile in Indonesia.
3. Dewan Komisaris wajib dipimpin oleh presiden 3. The Board of Commissioners must be chaired by a
komisaris atau komisaris utama. President Commissioner.
4. Dewan Komisaris wajib terdiri dari Komisaris 4. The Board of Commissioners must consist
Independen dan Komisaris Non-Independen. of Independent Commissioners and Non-
Independent Commissioners.
5. Komisaris Independen wajib paling sedikit 5. The Independent Commissioners must be at least
berjumlah 50% (lima puluh persen) dari jumlah 50% (fifty percent) of the total members of the
anggota Dewan Komisaris. Board of Commissioners.
6. Setiap usulan pengangkatan dan/atau 6. Any proposal for the appointment and/
penggantian anggota Dewan Komisaris kepada or replacement of members of the Board of
RUPS harus memperhatikan rekomendasi Commissioners to the GMS must take into account
Komite Remunerasi dan Nominasi. the recommendations of the Remuneration and
Nomination Committee.
Komposisi Dewan Komisaris Bank Sinarmas sesuai The composition of the Board of Commissioners of
hasil RUPS luar biasa tahun 2020 tidak mengalami Bank Sinarmas according to the results of the 2020
perubahan. Rincian anggota Dewan Komisaris Tahun extraordinary GMS has not changed. Details of the
2021 sebagai berikut: members of the Board of Commissioners in 2021 as
follows::
Periode Masa
Nama Jabatan Domisili Jabatan
No.
Name Position Domicile Term of Office
Period
Komisaris Utama
1 Tjendrawati Widjaja Jakarta, Indonesia 2020-2023
2 Sammy Kristamuljana Jakarta, Indonesia 2020-2023
Independent Commissioner
3 Rusmin Jakarta, Indonesia 2020-2023
Independent Commissioner
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PENILAIAN KEMAMPUAN DAN KEPATUTAN FIT AND PROPER TEST OF THE BOARD OF
DEWAN KOMISARIS COMMISSIONERS
Seluruh anggota Dewan Komisaris Bank Sinarmas All members of the Board of Commissioners have
memenuhi persyaratan telah lulus Penilaian met the requirement of passing the Fit & Proper Test
Kemampuan dan Kepatutan (Fit & Proper Test) sesuai in accordance with the provisions required by the
dengan ketentuan yang disyaratkan oleh regulator, regulator, in this case the Financial Services Authority
dalam hal ini POJK No.27/POJK.03/2016 tentang Regulation No. 27/POJK.03/2016 on the Fit and
Penilaian Kemampuan dan Kepatutan bagi Pihak Proper Test for the Main Party of Financial Services
Utama Lembaga Jasa Keuangan, sebagai berikut: Institutions, as follows:
HASIL FIT & PROPER TEST DEWAN KOMISARIS OLEH OJK

Fit & Proper Test Result of the Board of Commissioners by OJK
Nama Jabatan Pelaksana Nomor Surat Tanggal Hasil

No.
Name Position Organizer Letter No. Date Result
Komisaris Utama
Tjendrawati Bank Indonesia 12/44/GB/DPIP/Rahasia 20 April Lulus
Widjaja President 2010 Passed
1
Commissioner 20 April
2010
Komisaris
2 Sammy Bank Indonesia 14/61/GBI/DPIP/Rahasia 3 Juli 2012 Lulus
Independen
Kristamuljana 3 July 2012 Passed
Independent
Commissioner
Komisaris Otoritas Jasa

19 Juni
Independen Keuangan
2014 Lulus
3 Rusmin Financial 14/61/GBI/DPIP/Rahasia
Independent 19 June Passed
Services
Commissioner 2014
Authority
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RANGKAP JABATAN DEWAN KOMISARIS CONCURRENT POSITIONS OF THE BOARD OF

COMMISSIONERS
Peraturan OJK No.55/POJK.03/2016 tentang Penerapan OJK Regulation No.55/POJK.03/2016 concerning

Tata Kelola Bagi Bank Umum memperbolehkan Implementation of Good Corporate Governance for
rangkap jabatan anggota Dewan Komisaris dengan Commercial Banks allows concurrent positions of
ketentuan sebagai berikut: members of the Board of Commissioners with the
following provisions:
1. Anggota Dewan Komisaris menjabat sebagai 1. Member of the Board of Commissioners serves as
anggota Direksi, anggota Dewan Komisaris atau member of the Board of Directors, member of the
Pejabat Eksekutif yang melaksanakan fungsi Board of Commissioners, or Executive Officer who
pengawasan pada 1 (satu) perusahaan anak carry out the supervisory function in 1 (one) non-
bukan bank yang dikendalikan oleh Bank; bank subsidiary company controlled by the Bank;
2. Komisaris Non-Independen menjalankan tugas 2. Non-Independent Commissioners carry out

fungsional dari pemegang saham Bank yang functional duties from Bank shareholders in the
berbentuk badan hukum pada kelompok usaha form of legal entities in the Bank’s business group;
Bank; dan/atau and/or
3. Anggota Dewan Komisaris menduduki jabatan 3. Member of the Board of Commissioners
pada organisasi atau lembaga nirlaba.
Seluruh anggota dewan komisaris Bank Sinarmas All members of the board of commissioners of Bank
tidak memiliki rangkap jabatan pada perusahaan/ Sinarmas do not have concurrent positions in other
lembaga lain. companies/institutions.
PERNYATAAN RANGKAP JABATAN DEWAN KOMISARIS

Statement of Concurretn Positions of the Board of Commissioners
Perusahaan/ Lembaga Lain

Other Company/Institution
Nama Jabatan di Bank Sinarmas
Name Position in Bank Sinarmas Bidang Usaha
Jabatan Institusi
Line of
Position Institution
Business
Komisaris Utama
Tjendrawati Widjaja Nihil Nihil Nihil
President Commissioner Nil Nil Nil
Sammy Nihil Nihil Nihil
Kristamuljana Independent Commissioner Nil Nil Nil
Rusmin Nihil Nihil Nihil
Independent Commissioner Nil Nil Nil
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PENGELOLAAN BENTURAN KEPENTINGAN MANAGEMENT OF CONFLICTS OF INTEREST OF

DEWAN KOMISARIS THE BOARD OF COMMISSIONERS
Benturan kepentingan adalah suatu kondisi di mana Conflict of interest is a condition in which the
kepentingan ekonomis Perseroan berbenturan Company’s economic interests conflict with personal
dengan kepentingan ekonomis pribadi. Oleh karena economic interests. Therefore, each Member of the
itu, setiap Anggota Dewan Komisaris diwajibkan Board of Commissioners is required to:
untuk:
1. Mengutamakan kepentingan Perseroan dan 1. Prioritize the interests of the Company and not
tidak mengurangi keuangan Perseroan dalam reducing the Company’s finances in the event of
hal terjadi benturan kepentingan. a conflict of interest.
2. Menghindari diri dari pengambilan keputusan 2. Avoid decision making in situations and conditions
dalam situasi dan kondisi adanya benturan of conflict of interest.
kepentingan.
3. Melakukan pengungkapan hubungan 3. Disclose family relationships, financial
kekeluargaan, hubungan keuangan, hubungan relationships, management relationships,
kepengurusan, hubungan kepemilikan dengan ownership relations with fellow members of the
Anggota Komisaris lain dan/atau anggota Direksi Board of Commissioners and/or members of the
dan/ atau pemegang saham pengendali bank Board of Directors and/or controlling shareholders
dan atau pihak lainnya dalam rangka bisnis of the bank and/or other parties within the
Perseroan. Company’s business framework.
4. Melakukan pengungkapan dalam hal 4. Making disclosures in the event that decision
pengambilan keputusan tetap harus diambil making must still be made in a condition where
pada kondisi adanya benturan kepentingan. there is a conflict of interest.
ORIENTASI BAGI DEWAN KOMISARIS ORIENTATION FOR THE BOARD OF

COMMISSIONERSS
Bank Sinarmas memiliki Program Orientasi Dewan Bank Sinarmas has a Board of Commissioners
Komisaris yang bertujuan memberikan pemahaman Orientation Program which aims to provide an
tentang visi, misi, objektif jangka panjang, struktur understanding of the vision, mission, long-term
organisasi, kode etik, pedoman, tata tertib kerja, objectives, organizational structure, code of
tugas dan tanggung jawab Dewan Komisaris, ethics, guidelines, work procedures, duties and
serta peraturan-peraturan perbankan dan pasar responsibilities of the Board of Commissioners, as
modal. Program orientasi ini dilaksanakan saat well as banking and capital market regulations. This
pengangkatan anggota Dewan Komisaris baru, dan orientation program is carried out at the time of
memiliki ketentuan sebagai berikut: the appointment of new members of the board of
commissioners, and has the following provisions:
1. Program Orientasi bagi anggota Dewan Komisaris 1. The Orientation Program for new members of the
yang baru bertujuan untuk memberikan Board of Commissioners aims to provide direction
arahan kepada anggota Dewan Komisaris to new members of the Board of Commissioners
baru agar memperoleh pemahaman tentang to gain an understanding of the Bank in order to
Bank sehingga dapat menunjang efektivitas support the implementation effectiveness of its
pelaksanaan tugas dan tanggung jawabnya duties and responsibilities as a member of the
sebagai Dewan Komisaris. Board of Commissioners.
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2. Dalam program orientasi, Komisaris Baru akan 2. In the orientation program, the New
mendapat pengetahuan tentang Bank antara lain Commissioner will get knowledge about the Bank
visi, misi, objektif jangka panjang, Rencana Bisnis including vision, mission, long-term objectives,
Bank, Laporan Keuangan, Laporan Tahunan dan Bank Business Plans, Financial Reports, Annual
kebijakan-kebijakan terkait Dewan Komisaris. Reports, and policies related to the Board of
Commissioners.
3. Dokumen program orientasi dipersiapkan oleh 3. Orientation program documents are prepared by
Corporate Secretary. the Corporate Secretary.
Bank Sinarmas tidak melaksanakan program orientasi Bank Sinarmas did not implement the Board of
Dewan Komisaris pada tahun 2021, karena tidak Commissioners orientation program in 2021, as there
pengangkatan anggota Dewan Komisaris yang baru. were no new appointed members.
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATE
Seluruh anggota Dewan Komisaris Bank Sinarmas All members of the Board of Commissioners of Bank
telah memiliki sertifikasi manajemen risiko sebagai Sinarmas have risk management certification as one
salah satu syarat untuk mengikuti fit and proper test of the requirements to follow the fit and proper test
sesuai ketentuan Otoritas Jasa Keuangan. Penyegaran in accordance with the provisions of the Financial
(refreshment) Program Sertifikasi Manajemen Risiko Services Authority. Refreshment of Risk Management
diatur dan dilaksanakan sesuai dengan Peraturan Certificate Program is regulated and implemented in
Bank Indonesia Nomor 11/19/PBI/2009 pasal 14 ayat accordance with Bank Indonesia Regulation No. 11/19/
(1) di mana Komisaris dan Manajer Risiko Bank yang PBI/2009 article 14 paragraph (1) where Commissioners
telah memiliki Sertifikat Manajemen Risiko wajib and Bank Risk Managers who already have a Risk
mengikuti Program Penyegaran paling kurang: Management Certificate must attend the Refresher
Program at least:
a. 1 (satu) kali dalam 4 (empat) tahun untuk tingkat 1 a. 1 (one) time in 4 (four) years for level 1
b. 1 (satu) kali dalam 4 (empat) tahun untuk tingkat b. 1 (one) time in 4 (four) years for level 2
2 c. 1 (one) time in 2 (two) years for level 3
c. 1 (satu) kali dalam 2 (dua) tahun untuk tingkat 3 d. 1 (one) time in 2 (two) years for level 4
d. 1 (satu) kali dalam 2 (dua) tahun untuk tingkat 4 e. 1 (one) time in 2 (two) years for level 5
e. 1 (satu) kali dalam 2 (dua) tahun untuk tingkat 5
Adapun jangka waktu Penyegaran Program The Refreshment Period for the Risk Management
Sertifikasi Manajemen Risiko ditetapkan terhitung Certificate Program is set from the time the Risk
sejak Sertifikat Manajemen Risiko terakhir diterbitkan. Management Certificate was last issued. The following
Berikut adalah refreshment terakhir yang diikuti oleh is the latest refreshment attended by the Board of
Dewan Komisaris: Commissioners:
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PERNYATAAN RANGKAP JABATAN DEWAN KOMISARIS

Statement of Concurretn Positions of the Board of Commissioners
Refreshment
Nama Jabatan Terakhir Tema Refreshment
Name Position Most Recent Theme of Refreshment
Refreshment
Komisaris Utama
Tjendrawati Widjaja 4 Desember 2019 Economic Outlook 2020 and Digital Banking Risk
President Commissioner 4 December 2019 Management
Sammy 15 Januari 2021 Keberlanjutan Bisnis Bank
Kristamuljana Independent 15 January 2021 (Model Prediksi Tata Kelola)
Commissioner Bank Business Sustainability
(Governance Prediction Model)
Rusmin 30 September 2020 Uji Kepatuhan Penerapan POJK No.51/
Independent 30 September 2020 POJK.03/2017 Tentang Penerapan Keuangan
Commissioner Berkelanjutan - Evaluasi Kualitas dan Kepatuhan
Laporan Kepada Regulator: Penjelasan Teknis Isi
Laporan
Compliance Test on the Implementation of
POJK No.51/ POJK.03/2017 on Sustainable
Finance Implementation - Evaluation on Report
Quality and Compliance to Regulators: Technical
Explanation of Report Contents
MEKANISME PENGUNDURAN DIRI DAN MECHANISM FOR RESIGNATION AND DISMISSAL

PEMBERHENTIAN DEWAN KOMISARIS OF THE BOARD OF COMMISSIONERS
Sesuai dengan ketentuan dalam Anggaran Dasar In accordance with the provisions on Bank
Bank Sinarmas yang mengatur mekanisme Sinarmas’ Articles of Association, which regulate the
pengunduran diri dan pemberhentian Dewan mechanism of resignation and dismissal of the Board
Komisaris dalam Anggaran Dasar Perseroan, jabatan of Commissioners in the Articles of Association of the
Dewan Komisaris berakhir apabila: Company, the position of the Board of Commissioners
ends if:
1. Mengundurkan diri sesuai dengan ketentuan 1. Resign in accordance with the provisions of the
Anggaran Dasar Articles of Association
2. Tidak lagi memenuhi persyaratan Peraturan 2. No longer meets the requirements of the
Otoritas Jasa Keuangan dan Peraturan Financial Services Authority Regulations and
Perundang-undangan lainnya other Legislation
3. Meninggal dunia 3. Passed away
4. Diberhentikan berdasarkan keputusan RUPS 4. Dismissed based on the resolution of the GMS
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PENILAIAN KOMITE DI BAWAH DEWAN ASSESSMENT OF COMMITTEES UNDER

KOMISARIS DAN DASAR PENILAIANNYA THE BOARD OF COMMISSIONERS AND THE
ASSESSMENT BASIS
Dewan Komisaris melakukan penilaian atas kinerja The Board of Commissioners assesses the
komite-komite Dewan Komisaris berdasarkan performance of the Committees of the Board
laporan pelaksanaan tugas dan tanggung jawab yang of Commissioners based on reports on the
disampaikan oleh masing-masing komite secara implementation of duties and responsibilities
berkala. Kinerja komite-komite Dewan Komisaris submitted by each committee periodically. The
selama tahun 2021 dinilai baik oleh Dewan Komisaris performance of the Board of Commissioners’
dan memberikan kontribusi dalam mendukung committees during 2020 was considered good by
pelaksanaan tugas dan tanggung jawab Dewan the Board of Commissioners and contributed to
Komisaris. supporting the implementation of the duties and
responsibilities of the Board of Commissioners.
PELAKSANAAN TUGAS DAN TANGGUNG JAWAB IMPLEMENTATION OF DUTIES AND

TAHUN 2021 RESPONSIBILITIES IN 2021
Dalam menjalankan fungsi pengawasan, Dewan In carrying out its supervisory function, the Board of
Komisaris memberikan rekomendasi kepada Direksi Commissioners provides recommendations to the
dengan memperhatikan masukan-masukan dari Board of Directors by taking into account the input
Komite yang membantu dan bertanggung jawab from the Committee which assists and reports directly
langsung kepada Dewan Komisaris. to the Board of Commissioners.
KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONERS
Bank Sinarmas telah memenuhi ketentuan yang Bank Sinarmas has complied with the provisions
ditetapkan oleh Peraturan Otoritas Jasa Keuangan stipulated by the Financial Services Authority (OJK)
(OJK) Nomor 33/POJK.04/2014 tentang Direksi dan Regulation No. 33/POJK.04/2014 on the Board of
Dewan Komisaris Emiten atau Perusahaan Publik. Directors and Board of Commissioners of Issuers
Regulasi tersebut menegaskan bahwa jumlah or Public Companies. The regulation states that
Komisaris Independen wajib paling kurang 30% dari the number of Independent Commissioners must
jumlah seluruh anggota Dewan Komisaris. Bank be at least 30% of the total members of the Board
Sinarmas memiliki 3 (tiga) anggota Dewan Komisaris, of Commissioners. In the Bank, of the 3 (three)
dengan 2 (dua) di antaranya adalah Komisaris Board of Commissioners, 2 (two) are Independent
Independen. Commissioners.
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Pernyataan Independensi Komisaris Independen Independency Statement of the Independent

Commissioners
Sesuai ketentuan POJK Nomor 33/POJK.04/2014, In accordance with the provisions of POJK No. 33/
Sammy Kristamuljana dan Rusmin telah POJK.04/2014, Sammy Kristamuljana and Rusmin
menyampaikan pernyataan independensi sebagai have submitted a statement of independence
Komisaris Independen pada RUPST 31 Agustus 2020. as Independent Commissioners at the AGMS on
Pernyataan independensi tersebut sehubungan 31 August 2020. The statement of independence
dengan pengangkatan sebagai Komisaris Independen is related to their appointment as Independent
yang telah menjabat lebih dari 2 (dua) periode. Commissioners who have served for more than 2
Penjelasan tentang independensinya disampaikan (two) term of offices. Description of its independence
dalam tabel di bawah ini. is presented in the following table.
INDEPENDENSI KOMISARIS INDEPENDEN

Independency of Independent Commissioners
Aspek Independensi Sammy

Rusmin
Independency Aspect Kristamuljana
Merupakan pihak independen terhadap pemilik Bank dan Pemegang Saham Pengendali
(PSP) √ √
Is an independent party to the owner of the Bank and the Controlling Shareholders
Tidak mempunyai saham baik langsung maupun tidak langsung pada Bank
√ √
Has no shares directly or indirectly in the Bank
Tidak mempunyai hubungan afiliasi dengan Bank, anggota Dewan Komisaris, anggota
Direksi atau Pemegang Saham Utama Bank
√ √
Has no affiliations with the Bank, members of the Board of Commissioners, members of the
Board of Directors or the Majority Shareholders of the Bank
Tidak mempunyai hubungan usaha baik langsung maupun tidak langsung yang berkaitan
dengan kegiatan usaha Bank √ √
Has no business relationships directly or indirectly related to the Bank’s business activities
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DIREKSI BOARD OF DIRECTORS
Direksi merupakan organ dalam tata kelola The Board of Directors is an organ in corporate
perusahaan yang memiliki tanggung jawab penuh governance that has full responsibility for the
atas pengelolaan Bank, sesuai dengan maksud dan management of the Bank, in accordance with the
tujuan Bank. Wewenang tersebut digunakan demi Bank’s purposes and objectives. This authority is used
kepentingan dan pencapaian tujuan Bank. Hal ini for the interests and achievement of the Bank’s goals.
sejalan dengan yang ditetapkan oleh regulasi bahwa This is in line with the regulation stipulating that
Direksi dapat mewakili Bank, baik di dalam maupun di the Board of Directors can represent the Bank, both
luar pengadilan sesuai dengan ketentuan anggaran inside and outside the court in accordance with the
dasar. provisions of the articles of association.
Masing-masing anggota Direksi melaksanakan Each member of the Board of Directors performs
tugas sesuai pembagian tugas dan wewenangnya. their duties according to the division of duties and
Tujuannya adalah demi mencapai efektivitas authorities. The objective is to achieve management
pengelolaan dan pencapaian hasil yang maksimal. effectiveness and achieve optimum results. The
Direksi Bank Sinarmas senantiasa menjunjung tinggi Board of Directors of Bank Sinarmas always upholds a
sikap profesional, objektif, berpikiran strategis, dan professional attitude, is objective, thinks strategically,
mengedepankan kepentingan Bank. and puts the interests of the Bank first.
DASAR HUKUM LEGAL BASIS
Dasar hukum keberadaan Direksi dalam organisasi The legal basis for the Board of Directors in the
perusahaan didasarkan oleh sejumlah aturan yang company organization is based on a number of
berlaku, di antaranya adalah: applicable rules. among others are:
1. Undang-Undang No. 40 tahun 2007 tentang 1. Law No. 40 of 2007 on Limited Liability Companies
Perseroan Terbatas.
2. Anggaran Dasar Perseroan. 2. Company’s Articles of Association.
3. Peraturan Otoritas Jasa Keuangan No. 33/ 3. Financial Services Authority Regulation No. 33/
POJK.04/2014 tentang Direksi dan Dewan POJK.04/2014 on the Board of Directors and Board
Komisaris Emiten atau Perusahaan Publik. of Commissioners of Issuers or Public Companies.
4. Surat Edaran Bank Indonesia Nomor 14/4/DPNP 4. Circular of Bank Indonesia No. 14/4/DPNP dated
tanggal 25 Januarl 2012 perihal Bank Umum. 25 January 2012 on Commercial Banks.
5. Peraturan Otoritas Jasa Keuangan Nomor 33/ 5. Financial Services Authority Regulation No.33/
POJK.04/2014 tanggal 8 Desember 2014 tentang POJK.04/2014 dated 8 December 2014 on the
Direksi dan Dewan Komisaris Emiten atau Board of Directors and Board of Commissioners
Perusahaan Publik. of Issuers or Public Companies.
6. Peraturan Otoritas Jasa Keuangan Nomor 55/ 6. Financial Services Regulation No. 55/POJK.03/2016
POJK.03/2016 tanggal 7 Desember 2016 tentang dated 7 December 2016 on Implementation of
Penerapan Tata Kelola bagi Bank Umum. Governance for Commercial Banks.
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7. Surat Edaran Otoritas Jasa Keuangan Nomor 13/ 7. Circular of the Financial Services Authority No. 13/
SEOJK.03/2017 tanggal 17 Maret 2017 tentang SEOJK.03/2017 dated 17 March 2017 on Governance
Penerapan Tata Kelola bagi Bank Umum. Implementation for Commercial Banks.
8. Peraturan Nomor I-A tentang Pencatatan Saham 8. Regulation No. I-A on Listing of Shares and
dan Efek Bersifat Ekultas Selain Saham yang Non-Shares Equity Securities Issued by Listed
Diterbirkan oleh Perusahaan Tercatat. Companies.
POJK.03/2019 tanggal 28 Januari 2019 tentang POJK.03/2019 dated 28 January 2019 on the
Penerapan Fungsi Audit Intern Pada Bank Umum. Implementation of the Internal Audit Function in
Commercial Banks.
PEDOMAN DIREKSI BOARD OF DIRECTORS GUIDELINES
Pedoman Direksi mengatur tugas dan tanggung The Board of Directors Guidelines regulates the
jawab Direksi secara umum yang telah ditetapkan duties and responsibilities of the Board of Directors
melalui SK.045/2018/PRESDIR- CorSec tanggal 25 in general, which have been determined through
Oktober 2018. SK.045/2018/PRESDIR-CorSec dated 25 October 2018.
Tata Tertib Kerja Direksi Charter of the Board of Directors
Agar pelaksanaan tugas dan tanggung jawab Direksi To ensure an effective implementation of the duties
dapat berjalan secara efektif, Direksi tidak hanya and responsibilities of the Board of Directors, the
berpedoman pada Peraturan perundang-undangan Board of Directors is not only guided by the laws
dan Anggaran Dasar Perseroan, namun juga pada Tata and regulations and the Articles of Association of
Tertib Kerja Direksi. Sesuai dengan Surat Keputusan the Company, but also to the Charter the Board
No. SK.086/2019/PRESDIRCorSec tertanggal 14 of Directors. In accordance with the Decree No.
November 2019, secara garis besar mengatur tentang SK.086/2019/ PRESDIRCorSec dated 14 November
hal-hal sebagai berikut: 2019, which generally regulates the following matters:
a. Waktu Kerja a. Woking Time
b. Perjalanan Dinas dan Cuti Direksi b. Board of Directors’ Official Travel and Leave
c. Rapat c. Meetings
d. Ketentuan Pakaian d. Attire Provisions
e. Kepatuhan terhadap Peraturan e. Compliance with the Regulations
f. Keterbukaan Informasi f. Disclosure of Information
g. Kode Etik g. Code of Ethics
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TUGAS DAN TANGGUNG JAWAB DIREKSI DUTIES AND RESPONSIBILITY OF THE BOARD
OF DIRECTORS
Sesuai dengan ketentuan dalam Tugas dan Tanggung In accordance with the provisions in the Duties and
Jawab Direksi Bank Sinarmas Revisi 4.0 Pedoman Responsibilities of the Board of Directors of Bank
Direksi Bank Sinarmas, secara umum Direksi Sinarmas Revision 4.0 on the Guidelines for the Board
mengemban tugas dan tanggung jawab sebagai of Directors of Bank Sinarmas, in general, the Board
berikut: of Directors carries out the following duties and
responsibilities:
1. Direksi bertanggung jawab penuh atas 1. The Board of Directors is fully responsible for the
pelaksanaan kepengurusan Bank. implementation of the Bank’s management.
2. Direksi wajib mengelola Bank sesuai dengan 2. The Board of Directors must manage the Bank in
kewenangan dan tanggung jawabnya accordance with the authority and responsibilities
sebagaimana diatur dalam Anggaran Dasar dan as stipulated in the Articles of Association as well
peraturan perundang-undangan. as the laws and regulations.
3. Direksi wajib melaksanakan prinsip-prinsip tata 3. The Board of Directors must implement good
kelola perusahaan dalam setiap kegiatan usaha Corporate Governance principles in each of
Bank pada seluruh tingkatan atau jenjang the Bank’s business activities at all levels of the
organisasi. organization.
4. Direksi bertanggung jawab dalam menciptakan 4. The Board of Directors is responsible for
struktur pengendalian intern dan menjamin establishing an internal control structure
terselenggaranya fungsi audit intern Bank dalam and ensuring the implementation of the
setiap tingkatan manajemen. Bank’s internal audit function at every level of
management.
5. Dalam pelaksanaan fungsi audit intern, Direksi 5. In carrying out the internal audit function, the
bertanggung jawab: Board of Directors is responsible for:
a. Mengembangkan kerangka pengendalian a. Developing an internal control framework
intern untuk mengidentifikasi, mengukur, to identify, measure, monitor, and control all
memantau, dan mengendalikan semua risks faced by the Bank.
risiko yang dihadapi Bank.
b. Memastikan SKAI memperoleh informasi b. Ensuring that the IAU obtains information
terkait perkembangan yang terjadi, inisiatif, related to developments, initiatives, projects,
proyek, produk, dan perubahan operasional products, and operational changes and risks
serta risiko yang telah diidenti kasi dan that have been identified and anticipated.
diantisipasi.
c. Memastikan telah dilakukan tindakan c. Ensuring proper corrective action in a
perbaikan yang tepat dalam waktu yang timely manner towards all findings and
cepat terhadap semua temuan dan recommendations of the IAU.
rekomendasi SKAI.
d. Memastikan kepala SKAI memiliki sumber d. Ensuring the Head of the IAU has the
daya serta anggaran yang diperlukan required resources and budget to carry out
untuk menjalankan tugas dan fungsi sesuai its duties and functions in accordance with
dengan rencana audit tahunan. the annual audit plan.
6. Direksi wajib menindaklanjuti temuan audit dan 6. The Board of Directors must follow up on audit
rekomendasi dari satuan kerja audit intern Bank, findings and recommendations from the Bank’s
auditor ekstern, hasil pengawasan Otoritas Jasa Internal Audit, external auditor, supervision
Keuangan, dan/atau hasil pengawasan otoritas results of the Financial Services Authority and/or
lain. the supervision results of other authorities.
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7. Direksi bertanggung jawab terhadap Non- 7. The Board of Directors is responsible for the Bank’s
Performing Loan (NPL) Bank. Non Performing Loan (NPL).
8. Dalam rangka menerapkan prinsip Tata Kelola 8. In order to apply good governance principles, the
yang baik, Direksi paling sedikit wajib membentuk: Board of Directors must at least establish:
a. Satuan Kerja Audit Intern. a. Internal Audit Work Unit.
b. Satuan Kerja Manajemen Risiko dan Komite b. Risk Management Work Unit and Risk
Manajemen Risiko. Management Committee.
c. Satuan Kerja Kepatuhan. c. Compliance Work Unit.
9. Direksi wajib mempertanggungjawabkan 9. The Board of Directors must take responsibility
pelaksanaan tugas kepada pemegang saham for the implementation of duties to shareholders
melalui RUPS. through the GMS.
10. Direksi wajib mengungkapkan kepada pegawai 10. The Board of Directors must disclose to employees
mengenai kebijakan Bank yang bersifat strategis the Bank’s strategic policies regarding employee
di bidang kepegawaian. affair.
11. Direksi wajib menyediakan data dan informasi 11. The Board of Directors must provide data and
yang akurat, relevan dan tepat waktu kepada information in an accurate, relevant, and timely
Dewan Komisaris. manner to the Board of Commissioners.
12. Keputusan Direksi yang diambil sesuai dengan 12. Decisions of the Board of Directors taken in
pedoman dan tata tertib kerja mengikat dan accordance with the guidelines and work rules are
menjadi tanggung jawab seluruh anggota Direksi. binding and are the responsibility of all members
of the Board of Directors.
13. Direksi wajib: 13. The Board of Directiors shall:
a. Membuat daftar pemegang saham, daftar a. Create a list of shareholders, special lists,
khusus, risalah RUPS, dan risalah rapat minutes of the GMS, and minutes of the
Direksi. Board of Directors’ meeting.
b. Membuat laporan tahunan dan dokumen b. Prepare the Company’s annual report and
keuangan Perseroan sebagaimana the financial documents as referred to in the
dimaksud dalam Undang-Undang tentang Law on Company Documents.
Dokumen Perusahaan.
c. Memelihara seluruh daftar, risalah, dokumen c. Maintain the entire register, minutes,
keuangan Perseroan dan dokumen financial documents of the Company and
Perseroan lainnya. other Company documents.
14. Anggota Direksi wajib melaporkan kepada 14. Members of the Board of Directors must report
Perseroan mengenai saham yang dimiliki to the Company regarding shares owned by the
anggota Direksi yang bersangkutan dan/atau member of the Board of Directors and/or their
keluarganya dalam Perseroan. families in the Company.
15. Merumuskan, menyusun, mensosialisasikan, 15. Formulate, arrange, socialize, and evaluate the
dan mengevaluasi visi, misi, etos kerja, dan nilai corporate vision, mission, work ethic, and values.
perusahaan.
16. Seluruh kebijakan tertulis Perusahaan baik dalam 16. All written policies of the Company, both in the
bentuk surat keputusan (“SK”) maupun surat form of decree (“SK”) and circular (“SE”) must be
edaran (“SE”) wajib disetujui dan ditandatangani approved and signed by members of the Board
oleh anggota Direksi sesuai dengan ketentuan of Directors in accordance with the company’s
internal Perseroan beserta perubahannya. internal provisions and their amendments.
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17. Mengoordinasikan perumusan dan 17. Coordinate the formulation and preparation of
penyusunan strategi perusahaan baik jangka corporate strategy, both long term (Corporate
panjang (Corporate Plan) maupun jangka Plan) and medium/short term (Bank Business
menengah/pendek (Rencana Bisnis Bank) Plan/RBB) as well as propose them to obtain
serta mengusulkannya guna mendapatkan approval from the Board of Commissioners.
persetujuan dari Dewan Komisaris.
18. Mengoordinasikan perumusan dan pelaksanaan 18. Coordinate the formulation and implementation
strategi program Penerapan Keuangan of the Sustainable Finance Application program
Berkelanjutan dengan memperhatikan strategy by taking into account compliance
pemenuhan ketentuan kehati-hatian dan with the prudence requirements and the
penerapan manajemen risiko. implementation of risk management.
19. Melaksanakan, mengawasi, dan mengevaluasi 19. Implement, supervise, and evaluate the course
jalannya Corporate Plan & RBB agar sesuai of the Corporate Plan & RBB to be in accordance
dengan visi, misi, dan objektif Perusahaan yang with the established Corporate vision, mission
telah ditetapkan. and objectives.
20. Menetapkan besarnya gaji atau remunerasi 20. Determine the amount of salary or remuneration
kepada karyawan dan/atau pejabat eksekutif to employees and/or executive officer of the
unit kerja di bawahnya dengan memperhatikan underlying unit by taking into account the
rekomendasi Direktur yang membawahi Human recommendation of the Director in charge of
Capital (HC). Human Capital (HC).
21. Mengatur dan menetapkan struktur organisasi, 21. Organize and determine the organizational
pendelegasian wewenang dan uraian tugas yang structure, delegation of authority, and brief job
jelas bagi setiap pejabat maupun pegawai, baik descriptions for each official and employee, both
di kantor pusat maupun di kantor-kantor cabang. at the head office and in branch offices.
22. Pengalihan tugas sementara anggota Direksi 22. Temporary transfer of duties of members of the
dapat dilakukan dengan ketentuan: Board of Directors can be carried out with the
following conditions:
a. Apabila Direktur Utama cuti atau berhalangan a. In the event that the President Director is on
hadir maka tugas-tugas Direktur Utama leave or is unable to attend, the duties of the
dilaksanakan secara bersama- sama oleh 2 President Director are carried out jointly by
(dua) orang Direktur lainnya sebagaimana 2 (two) other Directors as stipulated in the
diatur dalam Anggaran Dasar Perusahaan. Company’s Articles of Association.
b. Direktur lainnya sebagaimana dijelaskan b. Other directors as explained in letter (a) are
dalam huruf (a) merupakan Direktur Alternate Alternate Directors are Directors who accept
adalah Direktur yang menerima pengalihan temporary assignment of Directors due to
tugas sementara Direktur dikarenakan cuti/ leave/absence due to any reason that does
berhalangan hadir oleh sebab apapun yang not need to be proven to third parties as
tidak perlu dibuktikan kepada pihak ketiga stipulated in applicable internal regulations.
sebagaimana diatur dalam ketentuan internal
yang berlaku.
c. Selain Direktur Alternate juga terdapat piket c. In addition to the Alternate Director, there
harian Direksi yang mana masing-masing is also a daily picket of the Directors in
Direktur tertentu harus selalu berada di which each Director must always be in the
kantor pada hari kerja dan standby pada office on weekdays and standby on certain
hari- hari tertentu sesuai dengan jadwal yang days according to the agreed schedule as
telah disepakati sebagaimana diatur dalam stipulated in applicable internal regulations.
ketentuan internal yang berlaku.
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WEWENANG DIREKSI AUTHORITIES OF THE BOARD OF DIRECTORS
Dalam menjalankan tugas dan tanggung jawabnya, In performing their tasks and responsibilities, the
Direksi memiliki wewenang untuk: Board of Directors has the following authorities:
1. Direksi berwenang menjalankan pengurusan 1. The Board of Directors is authorized to operate
sesuai dengan kebijakan yang dipandang management in accordance with policies
tepat, sesuai dengan maksud dan tujuan yang deemed appropriate, corresponding with the
ditetapkan dalam anggaran dasar. purposes and objectives as outlined in the articles
of Association.
2. Direksi berwenang mewakili Perseroan di dalam 2. The Board of Directors is authorized to represent
dan di luar pengadilan; the Company in and out of court;
3. Anggota Direksi tidak berwenang mewakili 3. Member of the Board of Directors is not authorized
Perseroan apabila: to represent the Company in the event of:
a. Terdapat perkara di pengadilan antara a. Involved in litigation case between the
Perseroan dengan anggota Direksi yang Company and the concerned member of
bersangkutan. the Board of Directors.
b. Anggota Direksi yang bersangkutan b. Member of the Board of Directors concerned
mempunyai kepentingan yang berbenturan has conflict of interests with the Company.
dengan kepentingan Perseroan.
4. Dalam hal terdapat keadaan sebagaimana di 4. In the event of the abovementioned conditions,
maksud di atas, yang berhak mewakili Perseroan the following parties are entitled to represent the
adalah: Company:
a. Anggota Direksi lainnya yang tidak a. Other members of the Board of Directors
mempunyai benturan kepentingan dengan with no conflict of interest with the Company.
Perseroan.
b. Dewan Komisaris dalam hal seluruh anggota b. The Board of Commissioners, in the event
Direksi mempunyai benturan kepentingan that all members of the Board of Directors
dengan Perseroan. have a conflict of interest with the Corporate.
c. Pihak lain yang ditunjuk oleh RUPS dalam c. Other parties appointed by the GMS in the
hal seluruh anggota Direksi atau Dewan event that all members of the Board of
Komisaris mempunyai kepentingan dengan Directors or Board of Commissioners have a
Perseroan. conflict of interest with the Company.
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KRITERIA ANGGOTA DIREKSI MEMBERSHIP CRITERIA OF THE BOARD OF

DIRECTORS
Penetapan kriteria Direksi, antara lain mengacu Determination of the criteria for the Board of
pada Peraturan Otoritas Jasa Keuangan No. 33/ Directors, among others, refers to the Financial
POJK.04/2014 tentang Direksi dan Dewan Komisaris Services Authority Regulation No. 33/POJK.04/2014 on
Emiten atau Perusahaan Publik. Saat diangkat, Direksi the Board of Directors and Board of Commissioners
minimal harus memenuhi sejumlah persyaratan: of Issuers or Public Companies. When appointed, the
Board of Directors must meet at least a number of
requirements:
Kriteria
No.
Criteria
1 Anggota Direksi diangkat dan diberhentikan oleh Rapat Umum Pemegang Saham.
Members of the Board of Directors are appointed and dismissed by the General Meeting of Shareholders.
2 Setiap usulan penggantian dan/atau pengangkatan anggota Direksi oleh Dewan Komisaris kepada Rapat Umum
Pemegang Saham, harus memperhatikan rekomendasi Komite Remunerasi dan Nominasi.
Each proposal to replace and/or appoint members of the Board of Directors by the Board of Commissioners to
the General Meeting of Shareholders, must consider the recommendations of the Remuneration and Nomination
Committee
Yang dapat menjadi anggota Direksi adalah orang perseorangan yang memenuhi persyaratan pada saat diangkat
dan selama menjabat:
a. Mempunyai akhlak, moral, dan integritas yang baik
b. Cakap melakukan perbuatan hukum
Those who can become members of the Board of Directors are individuals who meet the requirements at the time
of appointment and during their tenure:
a. Possess good characters, moral and integrity
b. Legally competent
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3 Yang dapat menjadi anggota Direksi adalah orang perseorangan yang memenuhi persyaratan pada saat diangkat
dan selama menjabat:
a. Mempunyai akhlak, moral, dan integritas yang baik
b. Cakap melakukan perbuatan hukum
c. Dalam 5 (lima) tahun sebelum pengangkatan dan selama menjabat:
I. Tidak pernah dinyatakan pailit;
II. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang dinyatakan bersalah
menyebabkan suatu perusahaan dinyatakan pailit;
III. Tidak pernah dihukum karena melakukan tindak pidana yang merugikan keuangan negara dan/atau yang
berkaitan dengan sektor keuangan;
IV. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:
• Pernah tidak menyelenggarakan RUPS tahunan
• Pertanggungjawabannya sebagai anggota Direksi dan/atau anggota Dewan Komisaris pernah tidak
diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/
atau anggota Dewan Komisaris kepada RUPS
• Pernah menyebabkan perusahaan yang memperoleh izin, persetujuan, atau pendaftaran dari Otoritas
Jasa Keuangan tidak memenuhi kewajiban menyampaikan laporan tahunan dan/atau laporan keuangan
kepada Otoritas Jasa Keuangan
Those who can become members of the Board of Directors are individuals who meet the requirements at the time
of appointment and during their tenure:
a. Possess good characters, moral and integrity
b. Legally competent
c. Within 5 (five) years prior to the appointment and during the term of office:
I. Never been declared bankrupt;
II. Never been a member of the Board of Directors and/or Board of Commissioners found guilty of causing a
company to be declared bankrupt;
III. Never been sentenced for a criminal offense that is detrimental to the state’s financial and/or related to the
financial sector;
IV. Never been a member of the Board of Directors and/or member of the Board of Commissioners during their
term of office;
• Failed to hold the Annual GMS
• Having his/her report rejected by the GMS or failed to submit the report as Board of Directors and/or
Board of Commissioners to the GMS
• Caused a company that acquired the license, permission, or registration from the Financial Services
Authority to fail to fulfill the obligation to submit an annual report and/or financial reports to the Financial
Services Authority
4 Memiliki komitmen untuk mematuhi peraturan perundang-undangan.

Has the commitment to comply with laws and regulations.
5 Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Emiten atau Perusahaan Publik.
Possess the knowledge and/or expertise required by the Issuer or Public Company.
Pemenuhan persyaratan tersebut wajib dimuat Fulfillment of these requirements must be contained
dalam surat pernyataan dan disampaikan kepada in a statement letter and submitted to the Bank.
Bank. Selanjutnya, Bank wajib meneliti dan Furthermore, the Bank shall examine and document
mendokumentasikannya. Rincian penilaian kepatutan it. Details of the fit and proper test will be explained
tersebut akan dijelaskan di bagian komposisi Direksi. in the composition of the Board of Directors section.
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KOMPOSISI DIREKSI COMPOSITION OF THE BOARD OF DIRECTORS
Sesuai dengan Pedoman Direksi Bank Sinarmas, In accordance with the Board of Directors Guidelines
jumlah dan komposisi Direksi diatur sebagai berikut: of Sinarmas Bank, the numbers and composition of
the Board of Directors is set as follows:
1. Jumlah anggota Direksi paling kurang 3 (tiga) 1. Number of members of the Board of Directors at
orang; least 3 (three) members;
2. Paling kurang 1 (satu) orang anggota Direksi wajib 2. At least 1 (one) member of the Board of Directors
berdomisili di Indonesia; dan must be domiciled in Indonesia; and
3. Direksi dipimpin oleh Presiden Direktur atau 3. Board of Directors is chaired by the President or
Direktur Utama. Managing Director.
ANGGOTA DIREKSI TAHUN 2021

Members of the Board of Commissioners in 2021
Nama Jabatan Domisili Periode Masa Jabatan

No.
Name Position Domicile Term of Office
1 Frenky Tirtowijoyo Direktur Utama Jakarta, Indonesia 2020-2023

President Director
2 Loa Johnny Mailoa Direktur Jakarta, Indonesia 2020-2023

Director
3 Halim Direktur Jakarta, Indonesia 2020-2023

Director
4 Hanafi Himawan Direktur Jakarta, Indonesia 2020-2023

Director
5 Soejanto Soetjijo Direktur Jakarta, Indonesia 2020-2023

Director
6 Miko Andidjaja Direktur Jakarta, Indonesia 2020-2023

Director
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RUANG LINGKUP PEKERJAAN MASING-MASING DIREKSI

Scope of Duties of Each Member of the Board of Directors
Nama dan Jabatan Membawahi

Name and Position Charge
Frenky Tirtowijoyo 1. Coordinator of all Directors

Direktur Utama 2. Internal Audit
President Director 3. Payment & Transaction
4. Human Capital Management
5. Finance & Performance Management
6. Information Technology, Data Management & IT Security
7. Corporate Secretary
8. Corporate Liaison
Loa Johnny Mailoa 1. Treasury & Financial Institution

Direktur Corporate Banking 2. Corporte Banking 1 & Commercial Business Management
Corporate Banking Director 3. Corporate Banking 2
4. Group Synergy Business Development
5. Credit Administration & Control
6. Securities Services
7. Indirect Channel & Collateral Valuation
Halim 1. Sharia Business Unit

Direktur Syariah 2. Sharia Strategic Initiatives
Sharia Director 3. General Affair
Hanafi Himawan 1. Compliance

Direktur Kepatuhan & Manajemen Risiko 2. Risk Management
Compliance & Risk Management Director 3. Corporate Credit Analyst
4. Credit Management
5. Legal
6. Anti Fraud
7. Loan Recovery
Soejanto Soetjijo 1. Digital Sales & Marketing

Direktur Digital Banking 2. Business Intelligence
Digital Banking Director 3. Digital Factory 1
4. Digital Factory 2
5. Digital Loan
6. Artificial Intelligence & Decision Science
7. Digital Sales & Marketing
Miko Andidjaja 1. Operations

Direktur Retail Banking 2. Deposit Investment Product Development
Retail Banking Director 3. Sales & Distribution (Jabodetabek & Sumatera)
4. Sales & Distribution (Java & East Indonesia)
5. Micro, Small & Medium Enterprise Business
6. KAM, Agent Banking & SND Enablement
6. Branch Network Development
7. Electronic Channel Operations
8. Contact Center & Telemarketing
9. Business Resilience & Continuity Management
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PENILAIAN KEMAMPUAN DAN KEPATUTAN FIT AND PROPER TEST OF THE BOARD OF
DIREKSI DIRECTORS
Setiap anggota Direksi harus memenuhi persyaratan Each member of the Board of Directors must meet
telah lulus Penilaian Kemampuan dan Kepatutan the requirements to pass the Fit and Proper Test in
sesuai dengan ketentuan yang berlaku tentang accordance with the applicable provisions on the fit
penilaian kemampuan dan kepatutan sesuai dengan and proper test in accordance with the provisions in the
ketentuan dalam Pedoman Direksi Bank Sinarmas Guidelines of the Board of Directors of Bank Sinarmas
dan Peraturan Otoritas Jasa Keuangan Nomor and the Financial Services Authority Regulation No.
27/POJK.03/2016 tentang Penilaian Kemampuan 27/ POJK.03/2016 on the Fit and Proper Test for the
dan Kepatutan bagi Pihak Utama Lembaga Jasa Main Parties of Financial Services Institutions.
Keuangan.
Seluruh anggota Direksi Bank Sinarmas telah All members of the Board of Directors of Bank
dinyatakan lulus fit and proper test pada Otoritas Jasa Sinarmas have passed the fit and proper test at the
Keuangan. Financial Services Authority.
HASIL FIT & PROPER TEST DIREKSI OLEH OJK

Fit & Proper Test of the Board of Directors by OJK
Nama Jabatan Pelaksana Tanggal Hasil

No
Name Position Organizer Date Result
1 Frenky Tirtowijoyo Direktur Utama Otoritas Jasa 19 Juli 2017 Lulus

President Director Keuangan 19 July 2017 Pass
Financial Services
Authority
2 Loa Johnny Mailoa Direktur Corporate Banking Bank Indonesia 14 April 2010 Lulus
Corporat Banking Director 14 April 2010 Pass
3 Halim Direktur Syariah Bank Indonesia 12 Maret 2012 Lulus

Sharia Director 12 March 2012 Pass
4 Hanafi Himawan Direktur Kepatuhan & Manajemen Bank Indonesia 6 Mei 2013 Lulus
Risiko 6 May 2013 Pass
Compliance & Risk Management
Director
5 Soejanto Soetjijo Direktur Digital Banking Otoritas Jasa 10 Desember 2014 Lulus
Digital Banking Director Keuangan 10 December 2014 Pass
Financial Services
Authority
6 Miko Andidjaja Direktur Retail Banking Otoritas Jasa 2 Agustus 2018 Lulus
Retail Banking Director Keuangan 2 August 2018 Pass
Financial Services
Authority
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RANGKAP JABATAN DIREKSI CONCURRENT POSITIONS
Seluruh Direksi di Bank Sinarmas tidak ada yang All members of the Board of Directors of Bank
memiliki rangkap jabatan. Rinciannya disampaikan Sinarmas have no concurrent positions. The details
dalam tabel di bawah ini. are presented in the following table
PERNYATAAN RANGKAP JABATAN DIREKSI

Statement of Concurrent Positions of the Board of Directors
Perusahaan/Lembaga Lain
Other Company/Institution
Nama Jabatan di Bank Sinarmas
Name Position in Bank Sinarmas
Jabatan Institusi Bidang Usaha
Position Institution Line of Business
Frenky Tirtowijoyo Direktur Utama Nihil Nihil Nihil

President Director Nil Nil Nil
Loa Johnny Mailoa Direktur Corporate Banking Nihil Nihil Nihil

Corporat Banking Director Nil Nil Nil
Halim Direktur Syariah Nihil Nihil Nihil

Sharia Director Nil Nil Nil
Hanafi Himawan Direktur Kepatuhan & Nihil Nihil Nihil

Manajemen Risiko Nil Nil Nil
Compliance & Risk
Management Director
Soejanto Soetjijo Direktur Digital Banking Nihil Nihil Nihil

Digital Banking Director Nil Nil Nil
Miko Andidjaja Direktur Retail Banking Nihil Nihil Nihil

Retail Banking Director Nil Nil Nil
PENGELOLAAN BENTURAN KEPENTINGAN MANAGEMENT OF CONFLICTS OF INTEREST OF

DIREKSI THE BOARD OF DIRECTORS
Sebagaimana tertuang dalam Pedoman Direksi yang As stated in the Board of Directors Guidelines
ditetapkan melalui Pedoman Direksi Rev 2.0 No. stipulated in the Board of Directors Guidelines Rev 2.0
SK.045/2018/PRESDIR-CorSec tertanggal 25 Oktober No. SK.045/2018/PRESDIR-CorSec dated 25 October
2018, Bank Sinarmas telah membuat aturan terkait 2018, Bank Sinarmas has made regulations related to
pengelolaan benturan kepentingan Direksi. the management of conflicts of interest for the Board
of Directors.
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PENGUNGKAPAN KEPEMILIKAN SAHAM DISCLOSURE OF SHARE OWNERSHIP
Penjelasan dan rincian tentang kepemilikan saham Description and details regarding the share
Direksi disampaikan pada bab “Profil Perusahaan” ownership of the Board of Directors are presented
yang terdapat dalam Laporan Tahunan ini. in the “Company Profile” chapter contained in this
Annual Report.
ORIENTASI ANGGOTA DIREKSI BARU ORIENTATION PROGRAM OF NEW MEMBERS OF

THE BOARD OF DIRECTORS
Bank Sinarmas senantiasa menerapkan program Bank Sinarmas always conducts an orientation
orientasi bagi anggota Direksi yang baru dalam program for new members of the Board of Directors to
rangka pengenalan kondisi Bank secara menyeluruh. familiarize themselves with the condition of the Bank
Uraian tentang orientasi ini dijelaskan sebagai berikut: in a comprehensive manner. The description of this
1. Program Orientasi bagi anggota Direksi yang orientation is explained as follows:
baru bertujuan untuk memberikan arahan 1. The Orientation Program for new members of the
kepada anggota Direksi baru agar memperoleh Board of Directors aims to provide direction to new
pemahaman tentang Perseroan Sehingga dapat members of the Board of Directors in order to gain
menunjang efektivitas pelaksanaan tugas dan an understanding of the Company to ensure that
tanggungjawabnya sebagai Direktur. they can support the effectiveness of carrying out
their duties and responsibilities as a Director.
2. Dalam program orientasi yang bersangkutan 2. In the orientation program, he/she will gain
akan mendapat pengetahuan tentang Perseroan knowledge about the Company, including vision,
antara lain visi, misi, objektif jangka panjang, mission, long-term objectives, Bank Business Plans,
Rencana Bisnis Bank, Laporan Keuangan, Laporan Financial Statements, Annual Reports, and policies
Tahunan dan kebijakan-kebijakan terkait Direksi. related to the Board of Directors.
3. Dokumen orientasi dipersiapkan oleh Sekretaris 3. The orientation document is prepared by the
Perusahaan. Corporate Secretary.
Pada tahun 2021, Bank Sinarmas tidak melaksanakan In 2020, Bank Sinarmas did not implement the Board
program orientasi Direksi karena tidak ada of Directors orientation program as there were no
pengangkatan anggota Direksi yang baru. appointments of new members of the Board of
Directors.
SERTIFIKASI MANAJEMEN RISIKO RISK MANAGEMENT CERTIFICATION
Seluruh anggota Direksi Bank Sinarmas telah All members of the Board of Directors of Bank
memiliki sertifikasi manajemen risiko sebagai salah Sinarmas have risk management certification as one
satu syarat untuk mengikuti fit and proper test sesuai of the requirements to take the fit and proper test in
ketentuan Otoritas Jasa Keuangan. Penyegaran accordance with the provisions of the Financial Services
(refreshment) Program Sertifikasi Manajemen Risiko Authority. Refreshment of the Risk Management
diatur dan dilaksanakan sesuai dengan Peraturan Certification Program is regulated and implemented in
Bank Indonesia Nomor 11/19/PBI/2009 pasal 14 ayat accordance with Bank Indonesia Regulation No. 11/19/
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(1) di mana Komisaris dan Manajer Risiko Bank yang PBI/2009 article 14 paragraph (1) where Commissioners
telah memiliki Sertifikat Manajemen Risiko wajib and Bank Risk Managers who already have a Risk
mengikuti Program Penyegaran paling kurang: Management Certificate are required to participate in
the Refresher Program at least:
1. 1 (satu) kali dalam 4 (empat) tahun untuk tingkat 1 1. 1 (one) time in 4 (four) years for level 1
2. 1 (satu) kali dalam 4 (empat) tahun untuk tingkat 2 2. 1 (one) time in 4 (four) years for level 2
3. 1 (satu) kali dalam 2 (dua) tahun untuk tingkat 3 3. 1 (one) time in 2 (two) years for level 3
Adapun jangka waktu Penyegaran Program The time period for the Risk Management Certification
Sertifikasi Manajemen Risiko ditetapkan terhitung Refreshment Program is determined from the time
sejak Sertifikat Manajemen Risiko terakhir diterbitkan. the last Risk Management Certificate was issued. In
Pada tahun 2021, Direksi yang mengikuti refreshment 2021, Directors who participated in the refreshment
disampaikan dalam tabel di bawah ini. are presented in the following table.
REFRESHMENT SERTIFIKASI MANAJEMEN RISIKO DIREKSI

Risk Management Certification Refreshment of the Board of Directors
Refreshment
Nama Jabatan Terakhir Tema Refreshment
Name Position Most Recent Theme of Refreshment
Refreshment
Frenky Tirtowijoyo Direktur Utama 4 Desember 2019 Economic Outlook 2020 and Digital
President Director 4 December 2019 Banking Risk Management
Johnny Mailoa Direktur Corporate Banking 15 Januari 2020 Economic Outlook 2020 and Digital
Corporat Banking Director 15 January 2020 Banking Risk Management
Halim Direktur Syariah 30 September – 1 Integrated Governance, Risk & Compliance

Sharia Director Oktober 2021 (GRC)
30 September – 1
October 2021
Hanafi Himawan Direktur Kepatuhan & 4 Desember 2019 Economic Outlook 2020 and Digital
Manajemen Risiko 4 December 2019 Banking Risk Management
Compliance & Risk
Management Director
Soejanto Soetjijo Direktur Digital Banking 15 Januari 2020 Economic Outlook 2020 and Digital
Digital Banking Director 15 January 2020 Banking Risk Management
Miko Andidjaja Direktur Retail Banking 15 Januari 2020 Economic Outlook 2020 and Digital
Retail Banking Director 15 January 2020 Banking Risk Management
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PELAKSANAAN TUGAS DAN TANGGUNG JAWAB IMPLEMENTATION OF DUTIES AND

TAHUN 2021 RESPONSIBILITIES IN 2021
Selama tahun 2021, Direksi telah melaksanakan tugas During 2021, the Board of Directors has carried out its
dan tanggung jawabnya, antara lain: duties and responsibilities, including:
1. Memperkuat infrastruktur pelayanan secara 1. Strengthening the digital service infrastructure
digital melalui penambahan fitur pada aplikasi through the addition of the SimobiPlus mobile
mobile banking SimobiPlus untuk mendukung banking application features, to support the
pertumbuhan transaksi online. growth of online transactions.
2. Memperluas jangkauan pemasaran lewat mobile 2. Expanding market area via mobile banking and
banking dan internet banking. internet banking.
3. Menjalin kemitraan dengan perusahaan teknologi 3. Forge partnerships with technology companies
finansial untuk meningkatkan penyaluran kredit finance to increase lending both working capital
baik kredit modal kerja dan investasi untuk segmen and investment loans for the segment micro, small,
usaha mikro, kecil, menengah maupun kredit medium and credit enterprises consumptive.
konsumtif.
4. Meningkatkan kualitas penerapan manajemen 4. Improve the implementation quality of credit
risiko kredit agar potensi risiko kredit dapat risk management to ensure that potential credit
dimitigasi dan kualitas kredit debitur tetap risk can be mitigated and debtor credit quality
terkelola. Upaya perbaikan difokuskan pada can be managed. Improvement efforts are
proses inisiasi kredit melalui perbaikan kebijakan, focused on the credit initiation process through
pemantauan kredit sampai dengan penanganan policy improvements, credit monitoring, to the
kredit bermasalah pada seluruh segmen kredit baik handling of non-performing loans in all credit
korporat, ritel, mikro, maupun konsumsi. segments, including corporate, retail, micro, and
consumption.
5. Melakukan penanganan kredit bermasalah 5. Handling non-performing loans optimally
sepanjang tahun 2021 secara optimal, baik melalui throughout 2021, both through intensive
penagihan intensif maupun eksekusi jaminan. collection and execution of guarantees.
6. Menjaga keseimbangan portofolio aset dan 6. Maintain a balance of asset portfolios and
kewajiban untuk mendapatkan net interest obligation to obtain net interest margin/ optimal
margin/spread yang optimal dengan tingkat risiko spread with a low level of risk measurable and
yang terukur dan terkendali. controllable.
7. Memperkuat Sumber Daya Manusia melalui 7. Strengthening Human Resources through
rekrutmen untuk posisi-posisi strategis serta recruitment for strategic positions as well as
membentuk unit-unit baru. establishing new units.
8. Mencegah penyebaran virus di lingkungan kantor 8. To prevent the virus spread within the office, the
melalui split operation unit critical dan work from Board of Directors has implemented a number
home. of strategic policies, such as split operations of
critical units, work from home.
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PENILAIAN KINERJA DEWAN PERFORMANCE ASSESSMENT OF

KOMISARIS DAN DIREKSI THE BOARD OF COMMISSIONERS
AND BOARD OF DIRECTORS
Penilaian pelaksanaan tugas Dewan Komisaris dan The assessment of the implementation of the
Direksi, antara lain mengacu pada Surat Edaran Board of Commissioners and the Board of Directors
OJK Nomor 13/SEOJK.03/2017 tentang Penerapan duties, among others referring to the OJK Circular
Tata Kelola bagi Bank Umum. Terkait dengan hal Letter Number 13/SEOJK.03/2017 concerning the
itu, Dewan Komisaris dan Direksi masing-masing Implementation of Governance for Commercial
memperoleh penilaian atas seluruh upaya dalam Banks. In this regard, each member of the Board of
mengimplementasikan berbagai program dan Commissioners and the Board of Directors receives
inisiatif yang tertuang dalam Rencana Bisnis Bank an assessment of all their efforts to implement various
selaras dengan visi, misi, strategi dan nilai-nilai programs and initiatives set out in the Bank’s Business
Perusahaan. Plan, in line with the Company’s vision, mission,
strategy and values.
DASAR PENILAIAN DEWAN KOMISARIS ASSESSMENT BASIS OF THE BOARD OF

COMMISSIONERS
Penilaian kinerja Dewan Komisaris dilakukan The performance assessment of the Board of
baik secara kolegial maupun individu dengan Commissioners is carried out both collegially and
mempertimbangkan beberapa komponen antara individually by considering several components,
lain: among others:
• Struktur dan komposisi Dewan Komisaris. • Structure and composition of the Board of
Commissioners.
• Efektivitas pelaksanaan program kerja komite- • Effectiveness work program implementation of
komite di bawah Dewan Komisaris. committees under the Board of Commissioners.
• Pengawasan pelaksanaan strategi dan • Supervision of the company’s strategy and
pengelolaan perusahaan. management implementation.
• Penerapan tata kelola perusahaan yang baik. • Implementation of good corporate governance.
• Penerapan manajemen risiko dan pengendalian • Implementation of risk management and internal
internal dalam menghadapi potensi risiko. control in addressing potential risks.
Penilaian kinerja Dewan Komisaris secara individu The individual performance assessment of the Board
dilakukan setiap tahun oleh Komisaris Utama of Commissioners is carried out annually by the
berdasarkan tolok ukur yang telah disepakati oleh President Commissioner based on the benchmarks
masing-masing anggota Dewan Komisaris. agreed upon by each member of the Board of
Commissioners.
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DASAR PENILAIAN KINERJA DIREKSI PERFORMANCE ASSESSMENT BASIS OF THE

BOARD OF DIRECTORS
Seluruh anggota Direksi memiliki target kinerja All members of the Board of Directors have
yang disesuaikan dengan tugas dan tanggung performance targets that are tailored to the duties
jawab masing-masing anggota Direksi termasuk and responsibilities of each member of the Board
pengelolaan kepatuhan, pengendalian risiko dan of Directors including compliance management,
sumber daya manusia. Hasil penilaian kinerja Direksi risk control, and human resources. The performance
menjadi bahan pertimbangan dalam meningkatkan assessement results of the Board of Directors
efektivitas kinerja Direksi dan disampaikan dalam are taken into consideration in increasing the
bentuk pertanggungjawaban pelaksanaan tugas dan performance effectiveness of the Board of Directors
tanggung jawab pada saat RUPS Tahunan. and are submitted in the form of accountability for
the implementation of duties and responsibilities at
the Annual GMS.
Penilaian kinerja merupakan salah satu dasar Performance assessment is one of the basic
pertimbangan bagi Komite Remunerasi dan Nominasi considerations for the Remuneration and Nomination
dalam memberikan rekomendasi kepada Dewan Committee in providing recommendations to the
Komisaris untuk mengangkat kembali anggota Board of Commissioners to reappoint members of the
Dewan Komisaris dan Direksi serta sebagai bahan Board of Commissioners and Board of Directors, as
pertimbangan untuk menyusun struktur remunerasi. well as consideration for preparing the remuneration
structure.
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PELAKSANAAN RAPAT DEWAN IMPLEMENTATION OF

KOMISARIS DAN DIREKSI MEETING OF THE BOARD OF
COMMISSIONERS AND BOARD OF
DIRECTORS
RAPAT DEWAN KOMISARIS BOARD OF COMMISSIONERS MEETING
Sesuai dengan Peraturan OJK No. 33/POJK.04/2014 In accordance with OJK Regulation No. 33/
tentang Direksi dan Dewan Komisaris Emiten atau POJK.04/2014 on the Board of Directors and Board
Perusahaan Publik dan Pedoman Dewan Komisaris of Commissioners of Issuers or Public Companies
Bank Sinarmas, ketentuan rapat Dewan Komisaris and the Guidelines for the Board of Commissioners
diatur sebagai berikut: of Bank Sinarmas, the provisions of the Board of
Commissioners meeting are as follows:
1. Dewan Komisaris wajib mengadakan rapat paling 1. The Board of Commissioners must hold meetings
kurang 1 (satu) kali dalam 2 (dua) bulan. at least 1 (one) time in 2 (two) months.
2. Rapat Dewan Komisaris sebagaimana dimaksud 2. The meeting of the Board of Commissioners as
pada poin 1 (satu) dapat dilangsungkan apabila referred to in point 1 (one) can be implemented
dihadiri mayoritas dari seluruh anggota Dewan if attended by a majority of all members of the
Komisaris. Board of Commissioners.
3. Dewan Komisaris wajib mengadakan rapat 3. The Board of Commissioners must hold joint
bersama Direksi secara berkala paling kurang 1 meetings with the Board of Directors at least 1
(satu) kali dalam 4 (empat) bulan. (one) time in 4 (four) months.
4. Pengambilan keputusan rapat Dewan Komisaris 4. Decisions made at the Board of Commissioners
dilakukan berdasarkan musyawarah mufakat. meeting are based on consensus. If not reached,
Apabila tidak tercapai maka keputusan diambil the decision taken by voting based on the vote
dengan pemungutan suara berdasarkan suara agrees to at least more than 1/2 (one half) of the
setuju paling sedikit lebih dari 1/2 (satu per dua) members of the Board of Commissioners present.
bagian dari anggota Dewan Komisaris yang hadir.
5. Hasil rapat Dewan Komisaris termasuk rapat 5. The Board of Commissioners meeting results,
gabungan Dewan Komisaris dan Direksi wajib including joint meetings of the Board of
dituangkan dalam risalah rapat, ditandatangani Commissioners and Board of Directors must be
oleh seluruh anggota Dewan Komisaris yang stated in the minutes of meeting, signed by all
hadir dan disampaikan kepada seluruh anggota members of the Board of Commissioners present
Dewan Komisaris. and delivered to all members of the Board of
Commissioners.
6. Dalam hal terdapat anggota Dewan Komisaris 6. In the event that there is a member of the Board
yang tidak menandatangani hasil rapat, yang of Commissioners who does not sign the results
bersangkutan wajib menyebutkan alasannya of the meeting, the concerned party must state
secara tertulis dalam surat tersendiri yang the reason in writing in a separate letter attached
dilekatkan pada risalah rapat. to the minutes of the meeting.
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7. Semua keputusan Dewan Komisaris bersifat 7. All decisions of the Board of Commissioners
mengikat bagi seluruh anggota Dewan Komisaris. are binding to all members of the Board of
Perbedaan pendapat (dissenting opinions) yang Commissioners. Dissenting opinions that occur
terjadi dalam rapat Dewan Komisaris wajib in the Board of Commissioners meeting must be
dinyatakan dengan jelas dalam notulen rapat clearly stated in the minutes of the meeting along
beserta alasan perbedaan pendapat tersebut. with the reasons for such disagreement.
8. Risalah rapat wajib didokumentasikan oleh 8. Minutes of meetings must be documented by
Corporate Secretary dan/atau Sekretaris the Corporate Secretary and/or Secretary to the
Komisaris. Commissioner.
Frekuensi Rapat Dewan Komisaris Frequency of the Board of Commissioners Meeting
Sepanjang tahun 2021, Dewan Komisaris telah During 2021, the Board of Commissioners held 7
menyelenggarakan 7 (tujuh) kali rapat Dewan (seven) Board of Commissioners meetings and 12
Komisaris dan 12 (dua belas) kali Rapat Dewan (twelve) joint meetings of the Board of Commissioners
Komisaris bersama Direksi. and Board of Directors.
AGENDA RAPAT DEWAN KOMISARIS

Agenda of the Board of Commissioners Meeting
Tanggal Agenda
No
Date Agenda
1 24/2/2021 1. Komite Remunerasi dan Nominasi 1. Remuneration and Nomination Committee

2.Tindak Lanjut Temuan Satuan Kerja Audit Internal 2. Follow-up on the findings of the Internal Audit
(SKAI) Unit (SKAI)
3. Summary Peringkat Komposit Profil Risiko - 31 3. Summary of Risk Profile Composite Rating - 31
Desember 2020 December 2020
4. Isu-isu manajemen risiko 4. Risk management issues
2 26/3/2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Unit (UUS)
2. Laporan Hasil Pengawasan DPS periode Juni – 2. DPS Supervision Report for the period June –
Desember 2020 December 2020
3. Rencana Pengawasan DPS 2021 3. 2021 DPS Supervision Plan
4. Arahan Dewan Komisaris 4. Directions from the Board of Commissioners
3 18/5/2021 1. Peningkatan Modal Ditempatkan dan Disetor 1. Increase in Issued and Fully Paid Capital of the
Penuh Perseroan Sehubungan dengan Company in connection with the Implementation
Dilaksanakannya Konversi Waran Seri III of Series III Conversion of Warrants
4 27/5/2021 1. Persetujuan Laporan Tahunan Bank 2020 1. Approval of 2020 Bank Annual Report
2. Remunerasi 2. Remuneration
3. Tindak Lanjut Temuan Satuan Kerja Audit Intern 3. Follow-up on the findings of the Internal Audit
(SKAI) Unit (SKAI)
4. Laporan Profil Risiko Bank & UUS 31 Maret 2021 4. Bank & UUS Risk Profile Report March 31, 2021
6. Laporan Penerapan Strategi Anti Fraud PT. Bank 6. Report on the Implementation of the Anti-Fraud
Sinarmas Tbk. Triwulan I 2021 Strategy of PT. Bank Sinarmas Tbk. Quarter I 2021
7. Kinerja Keuangan periode Maret 2021 7. Financial Performance for March 2021
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Tanggal Agenda
No
Date Agenda
5 3/8/2021 1. Human Capital 1. Human Capital

2.Tindak Lanjut Temuan Satuan Kerja Audit Intern 2. Follow-up on the findings of the Internal Audit
(SKAI) Unit (SKAI)
3. Profil Risiko Bank & UUS Posisi 30 Juni 2021 3. Bank & UUS Risk Profile Position 30 June 2021
5. Action Plan Perbaikan Tingkat Kesehatan Bank 5. Action Plan to Improve Bank Soundness Level
6 10/9/2021 1. Direksi Bank 1. Bank Directors

2. Pihak Independen 2. Independent Party
7 29/11/2021 1. Human Capital 1. Human Capital

2. Tindak Lanjut Temuan Satuan Kerja Audit Intern 2. Follow-up on the findings of the Internal Audit
(SKAI) Unit (SKAI)
3. Profil Risiko Bank & UUS Posisi 30 September 2021 3. Bank & UUS Risk Profile Position 30 September
2021
5. Laporan Penerapan Strategi Anti Fraud PT. Bank 5. Report on the Implementation of PT. Bank
Sinarmas Tbk. Triwulan II dan Triwulan III Tahun Sinarmas Tbk’s Anti-Fraud Strategy for the
2021 Second Quarter and the Third Quarter of 2021
6. Kinerja Keuangan periode September 2021 dan 6. Financial Performance for September 2021 and
Target 2022 Target 2022
7. Perkembangan Produk dan Aktivitas Digital 7. Development of Digital Banking Products and
Banking Activities
8. Rencana Audit Laporan Keuangan PT. Bank 8. The Financial Statement Audit Plan for PT. Bank
Sinarmas Tbk. Tahun 2021 Sinarmas Tbk. in 2021
Tingkat Kehadiran Anggota Dewan Komisaris Attendance Rate of Members of the Board of
Commissioners
Dewan Komisaris telah menyelenggarakan rapat The Board of Commissioners held internal meetings
internal dan rapat gabungan dengan Direksi pada and joint meetings with the Board of Directors in
tahun 2021 dengan tingkat kehadiran masing-masing 2021 with the attendance rate of each member of the
anggota Dewan Komisaris seperti dijelaskan dalam Board of Commissioners as described in the following
tabel di bawah ini. table.
REKAP ABSENSI RAPAT DEWAN KOMISARIS

Recap of Attendance for Board of Commissioners Meetings
Dewan Komisaris
Tanggal Board of Commissioners
Date
Tjendrawati Widjaja Sammy Kristamuljana Rusmin
24/2/2021 v v v
26/3/2021 v v v
18/5/2021 v v -
27/5/2021 v v v
3/8/2021 v v v
10/9/2021 v v v
29/11/2021 v v v
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FREKUENSI KEHADIRAN DEWAN KOMISARIS DALAM RAPAT

Attendance Frequency of the Board of Commisioners in Meetings
Jumlah Rapat
Gabungan Dewan
Jumlah Rapat Dewan Persentase
Persentase Komisaris dan Direksi
Nama Komisaris Komisaris Kehadiran (%)
Kehadiran (%) Number of Joint
Name of Number of Board Attendance
Attendance Meetings of
Commissioner of Commissioners Percentage
Precentage (%) the Board of
Meetings (%)
Commissioners and
Board of Directors
Tjendrawati Widjaja 7 100 12 100
Sammy Kristamuljana 7 100 12 100
Rusmin 6 83,33 12 100
RAPAT DIREKSI BOARD OF DIRECTORS MEETING
Rapat Direksi mengacu pada ketentuan Peraturan The Board of Directors meeting refers to the provisions
OJK No. 33/ POJK.04/2014 tentang Direksi dan Dewan of OJK Regulation No. 33/ POJK.04/2014 concerning
Komisaris Emiten atau Perusahaan Publik dan the Board of Directors and Board of Commissioners
Pedoman Dewan Komisaris Bank Sinarmas. Sesuai of Issuers or Public Companies and Guidelines for
dengan pedoman tersebut, rincian ketentuan rapat the Board of Commissioners of Bank Sinarmas. In
Direksi adalah: accordance with these guidelines, the details of the
provisions of the Board of Directors meeting are:
1. Anggota Direksi wajib mengikuti rapat 1. Members of the Board of Directors must attend
rutin. Apabila berhalangan hadir maka wajib regular meetings. If unable to attend, shall
memberitahukan kepada Direksi lainnya/ notify other members of the Board of Directors/
Corporate Secretary. Corporate Secretary.
2. Direksi wajib mengadakan rapat Direksi secara 2. The Board of Directors must hold a Board of
berkala paling kurang 1 (satu) kali dalam setiap Directors meeting periodically at least once a
bulan. month.
3. Direksi wajib mengadakan rapat Direksi bersama 3. The Board of Directors shall conduct regular
Dewan Komisaris secara berkala paling kurang 1 meetings with Board of Commissioners at least 1
(satu) kali dalam 4 (empat) bulan. (one) time in 4 (four) months.
4. Setiap kebijakan dan keputusan strategis 4. Every strategic policy and decision must be
wajib diputuskan melalui rapat Direksi dengan decided through the Board of Directors meeting,
memperhatikan pengawasan sesuai tugas dan taking into account the supervision in accordance
tanggung jawab Dewan Komisaris. with the duties and responsibilities of the Board
of Commissioners.
5. Rapat dipimpin oleh Direktur Utama (primus inter 5. The meeting is chaired by the President Director
pares), dalam hal Direktur Utama berhalangan (primus inter pares), in the event that the
hadir maka dipilih oleh dan dari salah satu President Director is unable to attend, then it is
anggota Direksi yang hadir untuk memimpin elected by and from one of the members of the
rapat. Board of Directors present to chair the meeting.
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6. Rapat adalah sah dan berhak mengambil 6. Meetings are legal and have the right to make
keputusan yang mengikat apabila dihadiri lebih decisions if attended by more than ½ (one-half)
dari ½ (satu per dua) bagian dari jumlah anggota of the total number of members of the Board of
Direksi hadir atau diwakili dalam rapat. Directors present or represented at the meeting.
7. Sebelum rapat dimulai, seluruh peserta rapat 7. Prior to the meeting, all meeting participants
harus menandatangani absensi rapat yang must sign a meeting attendance, which will then
selanjutnya akan didokumentasikan oleh be documented by the Corporate Secretary.
Corporate Secretary.
8. Pengambilan keputusan rapat Direksi wajib 8. Decisions of the Board of Directors’ meeting must
terlebih dahulu dilakukan berdasarkan first be based on deliberations to reach consensus.
musyawarah untuk mufakat.
9. Dalam hal tidak tercapai musyawarah mufakat, 9. In the event that consensus is not reached, the
pengambilan keputusan dilakukan berdasarkan decision is made based on the majority of votes,
suara terbanyak, dengan ketentuan jumlah suara with a vote amount of at least more than ½ (one
paling sedikit lebih dari ½ (satu per dua) bagian half) of the total votes issued in the meeting.
dari jumlah suara yang dikeluarkan dalam rapat.
10. Apabila pada saat pemungutan suara terbanyak 10. In the event that the voting cannot determine a
diperoleh hasil perbandingan yang sama maka majority vote, the voting rights of the chairman of
hak suara yang dimiliki pimpinan rapat akan the meeting will determine the outcome of the
menentukan hasil keputusan tersebut. decision.
11. Setiap hasil keputusan rapat wajib dilaksanakan 11. Every result of a meeting decision, must be carried
dengan sebaik-baiknya. out as well as possible.
12. Hasil keputusan rapat wajib dituangkan dalam 12. The results of a meeting decision must be stated
risalah rapat, ditandatangani oleh seluruh in the minutes of the meeting, signed by all
anggota Direksi yang hadir dan disampaikan oleh members of the Board of Directors present and
seluruh anggota Direksi serta didokumentasikan delivered by all members of the Board of Directors
dengan baik oleh Sekretaris Perusahaan. and well documented by the Corporate Secretary.
13. Perbedaan pendapat (dissenting opinion) yang 13. Dissenting opinions that occur in a Board of
terjadi dalam rapat Direksi wajib dicantumkan Directors meeting must be clearly stated in the
secara jelas dalam risalah rapat beserta alasan minutes of the meeting along with the reasons
perbedaan pendapat. for differences of opinion.
14. Dalam hal terdapat anggota Direksi yang tidak 14. In the event that there are members of the Board
menandatangani hasil rapat yang bersangkutan of Directors who do not sign the results of the
wajib menyebutkan alasannya secara tertulis meeting concerned, they must state the reason
dalam surat tersendiri yang dilekatkan pada in writing in a separate letter attached to the
risalah rapat. minutes of the meeting.
Frekuensi Rapat Direksi Frequency of the Board of Directors Meeting
Sepanjang tahun 2021 Direksi telah menyelenggarakan During 2021, the Board of Directors held 35 Board of
35 kali rapat Direksi. Rincian agendanya disampaikan Directors meetings. The detailed agenda is presented
dalam tabel di bawah ini. in the following table.
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AGENDA RAPAT DIREKSI

Agenda of the Board of Directors Meeting
Tanggal Rapat Agenda

Date of Meeting Agenda
7 Januari 2021 1. Kinerja SND Wilayah Jawa & Indonesia Timur 1. SND Performance in Java & East Indonesia
7 January 2021 Per Desember 2020 Region as of December 2020
2. Strategi Transformasi Cabang 2. Branch Transformation Strategy
3. Struktur Organisasi 3. Organizational Structure
4. Diskusi Lain-lain 4. Other Discussions
14 Januari 2021 1. Kinerja KAM - Desember 2020 1. KAM Performance - December 2020
14 January 2021 2. Agent Banking 2. Agent Banking
3. SimobiPlus Update 3. SimobiPlus Update
4. IB Corporate Project 4. IB Corporate Project
5. Pembatasan Kegiatan Kerja WFO/WFH 5. Restrictions on WFO/WFH Work Activities
28 Januari 2021 1. Kinerja Deposit Product 1. Deposit Product Performance

28 January 2021 2. Pencapaian Transaksi Pembayaran 2. Payment Transaction Achievement
3. Corporate Banking 3. Corporate Banking
4 Februari 2021 1. Kinerja SND - Wilayah Jabodetabek & 1. SND Performance - Jabodetabek & Sumatra
4 February 2021 Sumatera Region
2. Card & Consumer Banking 2. Card & Consumer Banking
3. Treasury Performance 2020 & Rencana Kerja 3. Treasury Performance 2020 & Work Plan 2021
2021
4. Digital Account Opening 4. Digital Account Opening
11 Februari 2021 1. Kinerja SND Wilayah Jawa & Indonesia Timur 1. Performance of SND in Java & Eastern Indonesia
11 February 2021 2. Commercial Bisnis 2. Commercial Business
3. Micro Business Performance 2020 & Rencana 3. Micro Business Performance 2020 & Work Plan
Kerja 2021 2021
4. Simas Pintar 4. Simas Pintar
5. Provider Settlement Surat Berharga 5. Securities Settlement Provider
6. Supply Chain Financing 6. Supply Chain Financing
25 Februari 2021 1. Reviu Kewenangan Komite Penyelesaian 1. Review on the Authority of the Non-
25 February 2021 Kredit Bermasalah performing Loans Settlement Committee
2. Consumer Scoring 2. Consumer Scoring
3. Rencana Bisnis KPR 3. Mortgage Business Plan
4. Bisnis Haji dan Layanan Mudharabah 4. Hajj Business and Mudharabah Muqayadah
Muqayadah Services
5. Performance Update Digital Sales & 5. Performance Update Digital Sales & Marketing
Marketing 6. Visa Paywave ATM/Debit Card and
6. Visa Paywave ATM/Debit Card dan Multicurrency Account
Multicurrency Account
7. Lain-lain 7. Others
4 Maret 2021 1. Kinerja Key Account Management 1. Key Account Management Performance
4 March 2021 2. Program Produk Deposit & Investment 2. Deposit & Investment Product Program
3. Performance Channeling 3. Performance Channeling
25 Maret 2021 1. Corporate Banking 1. Corporate Banking

2. Performance Sales & Distribution 2. Performance Sales & Distribution
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1 April 2021 1. Kinerja Sales & Distribution - Kantor Wilayah 1. Sales & Distribution Performance -
Jabodetabek & Sumatera Jabodetabek & Sumatra Regional Office
2. Kerja Sama Co-Branding IDI 2. IDI Co-Branding Cooperation
3. Transaksi Reksadana 3. Mutual Fund Transactions
4. PSAK 71 – CKPN 4. PSAK 71 – CKPN
8 April 2021 1. Kinerja Treasury & Financial Institution 1. Treasury & Financial Institution Performance
2. Program Produk Deposit & Investment 2. Deposit & Investment Product Program
3. Performance Update Digital Sales & 3. Performance Update Digital Sales & Marketing
Marketing
22 April 2021 1. Kinerja Corporate Funding Key Account 1. Performance of Corporate Funding Key
Account
2. Perubahan Frekuensi Limit Tarik Tunai Kartu 2. Changes in the Frequency of Debit Card Cash
Debit Withdrawal Limits
3. Transaksi Top-up dan Redemption Unit 3. Top-up Transaction and Redemption
Penyertaan Reksadana via SimobiPlus of Mutual Fund Participation Units via
SimobiPlus
4. Pemeriksaan PWC atas Cyber Security Bank 4. PWC Checks on Cyber Security Bank
29 April 2021 1. Commercial Business Management 1. Commercial Business Management

2. Kinerja Bisnis MSME dan Update Penerapan 2. MSME Business Performance and Update on
PEN PEN Implementation
3. Penurunan Tingkat Kesehatan Bank 3. Decline in Bank Sinarmas Soundness Level for
Sinarmas Periode Desember 2020 the December 2020 Period
4. Penyesuaian Perhitungan ATMR Risiko Pasar 4. Adjustment of Market Risk RWA Calculation
6 Mei 2021 1. Kinerja SND Kantor Wilayah Jawa dan 1. Performance of SND Regional Office of Java
6 May 2021 Indonesia Bagian Timur and Eastern Indonesia
2. Rencana Penambahan Modal melalui 2. Plan to Increase Capital through Execution of
Eksekusi Waran Seri III Series III Warrants
27 Mei 2021 1. Kinerja Sales & Distribution - Kantor Wilayah 1. Sales & Distribution Performance - Jabodetabek
27 May 2021 Jabodetabek & Sumatera & Sumatra Regional Office
2. Deposit & Investment Product Update 2. Deposit & Investment Product Update
3. Open Banking 3. Open Banking
3 Juni 2021 1. Kinerja Corporate Funding 1. Corporate Funding Performance

3 June 2021
10 Juni 2021 1. Kinerja SND Kantor Wilayah Jawa dan 1. Performance of SND Regional Office of Java
10 June 2021 Indonesia Bagian Timur and Eastern Indonesia
2. Kinerja Digital Banking & Action Plan 2021 2. Performance of Digital Banking & Action Plan
2021
3. Informasi Penanganan Kredit Bermasalah 3. Troubled Credit Handling Information
24 Juni 2021 1. Program Pre-Approve Lending 1. Pre-Approve Lending Program

24 June 2021 2. Payment & Transaction Banking 2. Payment & Transaction Banking
3. Rencana Bisnis Bank 3. Bank Business Plan
1 Juli 2021 1. Kinerja Sales & Distribution - Kantor Wilayah 1. Sales & Distribution Performance - Jabodetabek
1 July 2021 Jabodetabek & Sumatera & Sumatra Regional Office
2. Realisasi Program produk Deposit dan 2. Realization of Deposit and Investment Banking
Investment Banking product programs
3. Pembahasan Lain-lain 3. Other Discussion
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2021 BANK

8 Juli 2021 1. IT Steering Committee - T24 Upgrade 1. IT Steering Committee - T24 Upgrade
8 July 2021 2. Digital Banking Marketing Program 2. Digital Banking Marketing Program
3. Rencana Kerja Sama Pembiayaan dengan 3. Plan of Financing Cooperation with Danamas
Danamas
22 Juli 2021 1. Kinerja Bisnis Corporate Key Account 1. Corporate Key Account Management Business
22 July 2021 Management Performance
2. Komitmen Kredit Bermasalah 2. Commitment to Non-performing Loans
3. Mobile Banking Syariah 3. Sharia Mobile Banking
29 Juli 2021 1. Kinerja SND Kantor Wilayah Jawa dan 1. Performance of SND Regional Office of Java
29 July 2021 Indonesia Bagian Timur and Eastern Indonesia
2. Open Banking Project 2. Open Banking Project
5 Agustus 2021 1. Pengajuan Restrukturisasi Fasilitas Kredit 1. Proposal for Debtor Credit Facility Restructuring
5 August 2021 Debitur
2. Kinerja SND Kantor Wilayah Jabodetabek & 2. Performance of SND Jabodetabek & Sumatra
Sumatera Regional Offices
3. Realisasi Program Produk Deposit & 3. Realization of Deposit & Investment Product
Investment Program
12 Agustus 2021 1. Realisasi Program Digital Marketing 1. Realization of Digital Marketing Program
12 August 2021 2. Open Banking Project 2. Open Banking Project
3. Rencana Kolaborasi Co-Branding dengan 3. Co-Branding Collaboration Plan with Public
Public Figure Figure
4. Rencana Rotasi Kepala Kantor Wilayah 4. Regional Office Head Rotation Plan
26 Agustus 2021 1. Rencana Kerja Sama dengan Perusahaan 1. Cooperation Plans with Fintech Companies
26 August 2021 Fintech
2. Kinerja KAM Per-Juli 2021 2. Performance of KAM as of July 2021
3. Treasury & FI Business Highlight 3. Treasury & FI Business Highlights
4. Pembahasan Lain 4. Other Discussion
2 September 2021 1. Pengembangan Sistem Operasional Kantor 1. Development of Branch Office Operational
Cabang System
2. Portofolio Bisnis Komersial 2. Business Commercial Portfolio
3. Simulasi NPL Bank 3. Simulation of NPL Bank
9 September 2021 1. Kinerja Bulanan SND Kantor Wilayah Jawa 1. Performance of SND Regional Office of Java
dan Indonesia Bagian Timur Periode Juli and Eastern Indonesia for the Period of July
2021 2021
23 September 1. Kinerja Bulanan SND Kantor Wilayah 1. Monthly Performance of SND Jabodetabek and
2021 Jabodetabek dan Sumatera Periode Agustus Sumatra Regional Offices for August 2021
2021
2. Agent Banking 2. Agent Banking
3. Kinerja MSME 3. MSME Performance
30 September 1. Data Exchange 1. Data Exchange

2021 2. Aplikasi Forex Trading & Smart FX 2. Forex Trading & Smart FX App
3. Realisasi Program Deposit & Investment 3. Realization of Deposit & Investment Product
Product Program
4. Dampak Berlakunya POJK Nomor 12/ 4. Impact of the enactment of POJK Number 12/
POJK.03/2021 tentang Bank Umum Terhadap POJK.03/2021 concerning Commercial Banks
Jaringan Kantor on Office Networks
5. Tingkat Kesehatan Bank 5. Bank Soundness Level
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7 Oktober 2021 1. Corporate Funding 1. Corporate Funding

7 October 2021 2. Digital Banking Marketing Program 2. Digital Banking Marketing Program
3. Penyesuaian POJK No.12/POJK.03/2021 terkait 3. Adjustment of POJK No.12/POJK.03/2021
Penerapan Atas Penghapusan Jaringan regarding the Implementation of the
Kantor KK/ PP/ UPK dan Kas Keliling Elimination of KK/PP/UPK Office Networks and
Mobile Cash
28 Oktober 2021 1. Reviu Bisnis Proses KUR 1. Business Process Review KUR
28 October 2021 2. Target Jangka Panjang Bank Tahun 2021 - 2. The Bank’s Long-Term Target for 2021 - 2026
2026
4 November 2021 1. Kick Off Meeting Pemeriksaan Tahunan 1. Annual Audit Kick Off Meeting with Public
dengan Kantor Akuntan Publik Accounting Firm
2. Rencana Bisnis Bank, Target Jangka Panjang 2. Bank Business Plan, Long-Term Target 2021 -
Tahun 2021 - 2026 2026
11 November 2021 1. Kinerja Deposit & Investment Produk 1. Product Deposit & Investment Performance
2. Performansi Mesin ATM 2. ATM Machine Performance
3. Update Bisnis KUR 3. Update KUR Bisnis Business
25 November 2021 1. Kredit Usaha Rakyat 1. People’s Business Credit

2. Kinerja Contact Center & Telemarketing 2. Contact Center & Telemarketing Performance
3. Rencana Bisnis Bank 2022 3. Bank Business Plan 2022
4. Rencana Kerjasama Partnership Product 4. CCLC Credit Product Partnership Cooperation
Kredit CCLC Plan
2 Desember 2021 1. Produk Lancar Dana 1. Current Fund Products

2 December 2021 2. Kerjasama dengan PT. SURGE 2. Cooperation with PT. SURGE
3. BI-Fast 3. BI-Fast
9 Desember 2021 1. Kolaborasi Bank Sinarmas dengan Danamas 1. Collaboration between Bank Sinarmas and
9 December 2021 2. Performance KUR Danamas
3. Cetak Biru Pengembangan Sumber Daya 2. Performance KUR
Manusia 3. Blueprint for Human Resources Development
4. Struktur Organisasi 4. Organizational Structure
Tingkat Kehadiran Direksi Attendance Rate of the Board of Directors
Sepanjang tahun 2021, Direksi telah menyelenggarakan During 2021, the Board of Directors held 35 internal
35 kali rapat internal dan rapat gabungan bersama meetings and 12 joint meetings with the Board
Dewan Komisaris sebanyak 12 kali. Seluruh hasil of Commissioners. All meeting resolutions are
keputusan rapat didokumentasikan dalam notulen documented in the minutes of the meeting. Decision
rapat. Pengambilan keputusan dalam seluruh rapat making in all meetings of the Board of Directors is
Direksi dilakukan dengan musyawarah dan mufakat. carried out by deliberation and consensus.
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FREKUENSI KEHADIRAN DIREKSI

Attendance Frequency of the Board of Directors
Jumlah Rapat Gabungan

Jumlah Rapat Persentase
Persentase Direksi dan Dewan
Direksi Kehadiran (%)
Nama Direksi Kehadiran (%) Komisaris
Number of the Attendance
Name of Directors Attendance Number of Joint Meetings of
Board of Directors Percentage
Precentage (%) the Board of Directors and
Meetings (%)
Board of Commissioners
Frenky Tirtowijoyo 33 94,3 12 100
Loa Johnny Mailoa 35 100 12 100
Halim 32 91,4 12 100
Soejanto Soetjijo 33 94,3 12 100
Miko Andidjaja 35 100 12 100
Hanafi Himawan 33 94,3 12 100
AGENDA RAPAT GABUNGAN DEWAN KOMISARIS DAN DIREKSI

Agenda of Joint Meeting of the Board of Commissioners and Board of Directors

21 Januari 2021 1. Rencana Kerja Bisnis Pembiayaan Unit 1. Sharia Business Unit Financing Business Plan
21 January 2021 Usaha Syariah
2. Penanganan Kredit Bermasalah Konven 2. Handling of Non-performing Loans for the
& Syariah Periode Desember 2020 Period of December 2020
3. Compliance Update 3. Compliance Update
4. Financial Performance 4. Financial Performance
5. Arahan Dewan Komisaris 5. Directions of the Board of Commissioners
18 Februari 2021 1. Kinerja Unit Usaha Syariah 1. Sharia Business Unit Performance
18 February 2021 2. Penanganan Kredit Bermasalah Konven 2. Handling of Non-Performing Loans in
& Syariah Periode Januari 2021 Convention & Sharia for January 2021
18 Maret 2021 1. Kinerja Unit Usaha Syariah 1. Sharia Business Unit Performance
18 March 2021 2. Rencana Implementasi Produk 2. Implementation Plan for Sharia KUR Financing
Pembiayaan KUR Syariah Products
3. Penanganan Kredit Bermasalah Konven 3. Handling of Non-Performing Loans for the
& Syariah Periode Februari 2021 Period of February 2021
5. SKAI Update 5. SKAI Update
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BANK 2021

15 April 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Units (UUS)
2. Overview Kredit Bermasalah Konven & 2. Overview of Conventional & Sharia Non-
Syariah Periode Maret 2021 performing Loans for the March 2021 Period
4. Sales Productivity & KPI 4. Sales Productivity & KPI
5. SKAI Update 5. SKAI Update
6. Performance Bank Periode 31 Maret 6. Bank Performance Period March 31, 2021
2021
20 Mei 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Units (UUS)
20 May 2021 2. Overview Kredit Bermasalah Konven & 2. Overview of Conventional & Sharia Non-
Syariah Periode April 2021 performing Loans for the April 2021 Period
5. Performance Bank Periode April 2021 5. Performance Bank for April 2021
6. Talent Management 6. Talent Management
17 Juni 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Units (UUS)
17 June 2021 2. Overview Kredit Bermasalah Konven & 2. Overview of Conventional & Sharia Non-
Syariah Periode Mei 2021 performing Loans for the May 2021 Period
5. Performance Bank Periode Mei 2021 5. Bank Performance Period May 2021
6. Revisi Rencana Bisnis Bank 6. Revision of the Bank’s Business Plan
15 Juli 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Unit (UUS)
15 July 2021 2. SimobiPlus Syariah 2. SimobiPlus Syariah
3. Overview Kredit Bermasalah Konven & 3. Overview of Conventional & Sharia Non-
Syariah Periode Juni 2021 Performing Loans for the Period of June 2021
5. Rencana Kerjasama Pembiayaan 5. Financing Cooperation Plan with Smartfren
dengan Smartfren
7. Internal Audit Update 7. Internal Audit Update
8. Performance Bank Periode Juni 2021 8. Performance Bank for the Period of June 2021
19 Agustus 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Units (UUS)
19 August 2021 2. Update Persiapan Spin Off BUS 2. Update BUS Spin Off Preparation
3. Overview Loan Recovery Konven & 3. Overview of Convention & Sharia Loan Recovery
Syariah Periode Juli 2021 for the Period of July 2021
5. Sales Productivity & Operasional 5. Sales Productivity & Operational Strategy Plan
Strategy Plan
6. Performance Bank Periode Juli 2021 6. Performance Bank for the Period of July 2021
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2021 BANK

16 September 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Unit (UUS)
2. Overview Loan Recovery Konven & 2. Overview of Convention & Sharia Loan Recovery
Syariah Periode Agustus 2021 for August 2021 Periode
Strategy Plan
5. Forex Trading Application 5. Forex Trading Application
6. Performance Bank Periode Agustus 6. Bank Performance Period August 2021
2021
21 Oktober 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Units (UUS)
21 October 2021 2. Overview Loan Recovery Konven & 2. Overview of Convention & Sharia Loan Recovery
Syariah Periode September 2021 for September 2021
3. Business Email Compromise (BEC) 3. Business Email Compromise (BEC)
5. Perbaikan Tingkat Kesehatan Bank 5. Improvement of Bank Soundness Level
6. Internal Audit Q3 - 2021 6. Internal Audit Q3 - 2021
Strategy Plan
8. Performance Bank Periode September 8. Bank Performance for September 2021
2021
18 November 2021 1. Laporan Tahunan Dewan Komisaris 1. Annual Report of the Board of Commissioners
2. Performance Bank Periode Oktober 2. Performance Bank for October 2021
2021
3. Rencana Kerja Direksi untuk Tahun 2022 3. Board of Directors Work Plan for 2022
16 Desember 2021 1. Kinerja Unit Usaha Syariah (UUS) 1. Performance of Sharia Business Units (UUS)
16 December 2021 2. Persiapan Spin Off BUS 2. BUS Spin Off Preparation
4. Performance Bank Periode November 4. Performance Bank for November 2021
2021
5. Rencana Struktur Organisasi Bank 5. Planned Bank Organizational Structure
6. Arahan Dewan Komisaris 6. Directions from the Board of Commissioners
HUBUNGAN AFILIASI DEWAN KOMISARIS, AFFILIATED RELATIONS OF THE BOARD OF

DIREKSI, PEMEGANG SAHAM UTAMA DAN/ATAU COMMISSIONERS, DIRECTORS, MAJOR AND/OR
PENGENDALI CONTROLLING SHAREHOLDERS
Anggota Dewan Komisaris dan Direksi Bank Members of the Board of Commissioners and Directors
Sinarmas senantiasa menjaga independensi dalam of Bank Sinarmas always maintain independence in
melaksanakan tugas dan tanggung jawabnya. Hal ini carrying out their duties and responsibilities. This is
diperlukan agar tidak terdapat benturan kepentingan necessary so that there is no conflict of interest in the
dalam pelaksanaan tugas dan tangung jawabnya. implementation of duties and responsibilities.
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BANK 2021
Seluruh anggota Dewan Komisaris tidak memiliki All members of the Board of Commissioners have
hubungan afiliasi, baik hubungan keuangan maupun no affiliation, either financial or family relationships
hubungan keluarga dengan anggota dewan with other members of the board of commissioners,
komisaris lain, anggota direksi maupun pemegang members of the board of directors or major and/or
saham utama dan/atau pengendali. controlling shareholders.
KEBIJAKAN KEBERAGAMAN DIVERSITY OF THE BOARD OF

DEWAN KOMISARIS DAN DIREKSI COMMISSIONERS AND BOARD OF
DIRECTORS POLICY
Dalam menerapkan tata kelola perusahaan yang In implementing good corporate governance, Bank
baik, Bank Sinarmas memperhatikan perlunya Sinarmas pays attention to the need for diversity
keberagaman komposisi Dewan Komisaris dan in the composition of the Board of Commissioners
Direksi sesuai SEOJK No.32/SEOJK.04/2015 tentang and Directors in accordance with SEOJK No.32/
Pedoman Tata Kelola Perusahaan Terbuka. Dewan SEOJK.04/2015 concerning Guidelines for the
Komisaris maupun Direksi Bank memiliki beragam Governance of Public Companies. The Board of
keahlian, pengetahuan, dan pengalaman yang Commissioners and the Board of Directors of the
dibutuhkan dalam pengelolaan bisnis Bank. Bank have various skills, knowledge, and experience
needed in managing the Bank’s business.
Keberagaman komposisi Dewan Komisaris The diversity of the composition of the Board of
menunjang fungsi pengawasan dan pemberian Commissioners supports the supervisory function
nasihat kepada Direksi. Hal ini terkait semakin and provides advice to the Board of Directors. This
luasnya aspek yang menjadi bahan pertimbangan is related to the wider aspects that are taken into
dalam pengambilan keputusan. Demikian pula consideration in decision making. Likewise with the
dengan Direksi, keberagaman komposisi anggota Board of Directors, the diversity of the composition
akan menunjang fungsi pengelolaan, khususnya of members will support the management function,
pembagian jabatan dan tugas yang sesuai dengan particularly the division of positions and tasks
karakteristik masing-masing demi tercapainya visi, according to their respective characteristics in order
misi, dan tujuan Bank. to achieve the Bank’s vision, mission and objectives.
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KEBERAGAMAN KOMPOSISI DEWAN KOMISARIS

DIVERSITY OF THE COMPOSITION OF THE BOARD OF COMMISSIONERS
Jenis
Nama Jabatan Usia Pendidikan Pengalaman Kerja
Kelamin
Name Position Age Education Work Experience
Gender
Tjendrawati Komisaris Utama 58 Tahun Wanita Sarjana Ekonomi, • Direktur Utama Bank
Widjaja President 58 years Female Universitas Satya Wacana Sinarmas 2003 – 2010
Commissioner old - Salatiga 1986 • Direktur Credit & Marketing
Bachelor degree in Bank Shinta, 2002 – 2003
Economy, from Satya • Group Leader Credit &
Wacana University – Marketing Bank Shinta, 2001
Salatiga, 1986 – 2002
• President Director of Bank
Sinarmas 2003 – 2010
• Director of Credit &
Marketing of Bank Shinta
2002 - 2003
• Group Leader of Credit &
Marketing of Bank Shinta
2001 - 2002
Sammy Komisaris 67 Tahun Pria • Sarjana Ekonomi • Rektor, Universitas Prasetya

Kristamuljana Independen 67 years Male jurusan Akuntansi, Mulya, 2004 – 2012
Independent old Universitas Indonesia • Fasilitator Indonesian
Commissioner 1980 Institute of Corporate
• Master of Science Directorship (IICD), 2003 –
in Management, 2012
ADL Management • Chief of Accountant, PT.
Education Institute, BDNI, 1980-1983
Cambridge, MA, USA • President, University of
1988 Prasetya Mulya, 2004 – 2012
• PhD di bidang • Facilitator at The
Strategi dan Bisnis Indonesian Institute of
Internasional, City Corporate Directorship
University, London 1998 (IICD), 2003 – 2012
• Bachelor of Economy, • Chief of Accountant, PT.
majoring Accounting, BDNI, 1980-1983
University of Indonesia,
1980
• Master of Science
in Management,
ADL Management
Education Institute,
Cambridge, MA, USA
1988
• PhD in Strategy and
International Business,
City University, London,
1998
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BANK 2021
Rusmin Komisaris 62 Tahun Pria • Sarjana Ekonomi, • Anggota Majelis

Independen 62 years Male Sekolah Tinggi Ilmu Kehormatan Kode
Independent old Ekonomi YKPN, 1986 Etik Badan Pemeriksa
Commissioner • Master College of Keuangan, 2019 – sekarang
Business and Public • Anggota Komite Audit BNI
Affairs, Murray State Sekuritas 2012-2014
University, USA 1994 • Anggota Komite Audit
• Doktor, Curtin Bank
University of Windu Kentjana 2009-2012
Technology, • Assembly Member Code
Australia 2007 of Conduct of Finance
• Bachelor in Economy, Investigating Body, 2019 –
Sekolah Tinggi Ilmu present
Ekonomi YKPN, 1986 • Audit Committee Member
• Master College of of BNI Sekuritas 2012- 2014
Business and Public • Audit Committee Member
Affairs, Murray State of Bank Windu Kentjana
University, USA 1994 2009-2012
• Doctorate, Curtin
University of
Technology, Australia,
2007
KEBERAGAMAN KOMPOSISI DIREKSI

Diversity of the Composition of the Board of Directors
Jenis
Kelamin
Gender
Frenky Direktur 45 Tahun Pria • Bachelor of Business • Direktur Bank Sinarmas,

Tirtowijoyo Utama 45 years Male Administration in 2015 - 2017
President old Finance, Texas A&M • Senior Manager CDD
Director University, 1998 Operation & Approver,
• Master of Business Standard Chartered Bank,
Administration, National Singapore 2013-2014
University of Singapore, • Senior Manager Consumer
2009 Banking, Standard
• Bachelor of Business Chartered Bank, Indonesia
Administration in 2006-2007
Finance, Texas A&M • Assistant Vice President,
University, 1998 Legacy Texas Bank, 2003-
• Master of Business 2005
Administration, National • Director of Bank Sinarmas,
University of Singapore, 2015-2017
2009 • Senior Manager CDD
Operation & Approver,
Standard Chartered Bank,
Singapore 2013-2014
• Senior Manager Consumer
Banking, Standard
Chartered Bank Indonesia,
2006-2007
• Assistant Vice President,
Legacy Texas Bank, 2003-
2005
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2021 BANK
Jenis
Kelamin
Gender
Loa Johnny Direktur 49 Tahun Pria Bachelor of Business • Group Head Credit and
Mailoa Director 49 years Male dari Victoria University of Marketing, PT. Bank
old Technology, Melbourne, Sinarmas Tbk. 2009- 2010
Australia tahun 1996 • Senior Credit Analyst,
Bachelor of Business Citibank Indonesia, 2007-
dari Victoria University of 2009
Technology, Melbourne, • Senior Relationship
Australia, 1996 Manager, PT Bank DBS
Indonesia, 2005-2007
• Group Head of Credit
and Marketing, PT. Bank
Sinarmas Tbk. 2009- 2010
• Senior Credit Analyst,
Citibank Indonesia, 2007-
2009
• Senior Relationship
Manager, PT Bank DBS
Halim Direktur 59 Tahun Pria Sarjana Ekonomi di bidang • Group Head Human Capital
Director 59 years Male Akuntansi, Universitas Management & Branch
old Advent Indonesia, Bandung, Network Development PT.
1985 Bank Sinarmas Tbk., 2011-
Bachelor of Economics 2012
in Accounting, Advent • Kepala Wilayah, PT. Bank
Indonesia University, Sinarmas Tbk., 2008- 2011
Bandung, 1985 • Project Officer, PT. Bank
Sinarmas Tbk., 2007-2008
• Group Head Human Capital
Management & Branch
Network Development PT.
Bank Sinarmas Tbk., 2011-
2012
• Regional Head, PT. Bank
• Project Officer, PT. Bank
Sinarmas Tbk., 2007 - 2008
Hanafi Direktur 61 Tahun Pria Sarjana Ekonomi Universitas • Group Head Compliance, PT.
Himawan Director 61 years old Male Trisakti, Jakarta, 1986 Bank Sinarmas Tbk., 2012-
Bachelor of Economics, 2013
Trisakti University, Jakarta, • Direktur Utama, PT NISP
1986 Asset Management, 2011-
2012
• Direktur, PT NISP Sekuritas,
2007- 2011
• Group Head of Compliance,
PT. Bank Sinarmas Tbk.,
2012-2013
• President Director, PT NISP
Asset Management, 2011-
2012
• Director, PT NISP Sekuritas,
2007- 2011
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BANK 2021
Jenis
Kelamin
Gender
Soejanto Direktur 57 Tahun Pria Sarjana Ekonomi di bidang • Direktur Utama, Bank
Soetjijo Director 57 years Male Akuntansi, Universitas Katolik Capital, 2013-2014
old Parahyangan, Bandung, 1990 • Direktur, MNC Finance,
Bachelor of Economics in 2005-2012
Accounting, Parahyangan • Kepala Divisi Pemasaran
Catholic University, Bandung, dan Kredit Komersial, Bank
1990 Kesawan, 2002- 2004
• President Director, Bank
Capital, 2013 - 2014
• Director, MNC Finance,
2005 - 2012
• Division Head of
Commercial Marketing
& Credit, Bank Kesawan,
2002 - 2004
Miko Andidjaja Direktur 50 Tahun Pria • Sarjana Administrasi • National Sales &
Director 50 years Male Bisnis dari Universitas Distribution Head Bank
old Atma jaya, 1995 Sinarmas, 2015 – 2018
• Master of Business • Privilege Banking
Administration (MBA) dari Business Head, Bank UOB
University of East London, Indonesia, 2014 – 2015
UK, 1998 • Deposit/Funding,
• Bachelor of Business Investment & Insuranse
Administration from (DIII) Sales Head, Bank
Atma Jaya University, 1995 UOB Indonesia, 2010 –2013
• Master of Business • National Sales &
Administration (MBA) Distribution Head of Bank
University of East London, Sinarmas, 2015 – 2018
UK, 1998 • Privilege Banking
Business Head, Bank UOB
Indonesia, 2014 – 2015
• Deposit/Funding,
Investment & Insuranse
(DIII) Sales Head, Bank
UOB Indonesia, 2011–2013
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KEBIJAKAN REMUNERASI DEWAN REMUNERATION POLICY OF THE

KOMISARIS DAN DIREKSI BOARD OF COMMISSIONERS AND
BOARD OF DIRECTORS
KEBIJAKAN REMUNERASI DEWAN KOMISARIS REMUNERATION POLICY OF THE BOARD OF

COMMISSIONERS
Bank Sinarmas menerapkan kebijakan remunerasi Bank Sinarmas implements a remuneration policy for the
Dewan Komisaris dengan mengacu pada ketentuan Board of Commissioners with reference to the provisions
POJK No.45/POJK.03/2015 tentang Penerapan Tata of POJK No.45/POJK.03/2015 concerning Implementation
Kelola dalam Pemberian Remunerasi bagi Bank of Governance in Providing Remuneration for
Umum, serta SEOJK No.40/ SEOJK.03/2016 tentang Commercial Banks, and SEOJK No.40/SEOJK.03/2016
Penerapan Tata Kelola dalam Pemberian Remunerasi concerning Implementation of Governance in Providing
Bank Umum. Remuneration Commercial banks.
Berdasarkan kebijakan tersebut, Dewan Komisaris Based on these policies, the Board of Commissioners
menerima paket remunerasi yang terdiri dari: received a remuneration package consisting of:
1. Remunerasi yang bersifat tetap, yaitu remunerasi 1. Fixed remuneration is the remuneration given
yang tidak dikaitkan dengan kinerja dan risiko, regardless of performance and risks, such as
antara lain honorarium dan tunjangan hari raya. honorarium and religious holiday allowances.
2. Remunerasi yang bersifat variabel, yaitu 2. Variable remuneration, namely remuneration that
remunerasi yang dikaitkan dengan kinerja dan is associated with performance and risk, including
risiko, antara lain jasa produksi atau bentuk production services or other similar forms.
lainnya yang dipersamakan dengan itu.
Prosedur Penetapan Remunerasi Dewan Komisaris Procedures in Determining the Remuneration of the
Mekanisme penetapan remunerasi Dewan Komisaris The mechanism to determine the remuneration of
Bank melalui serangkaian prosedur, yang dimulai the Bank’s Board of Commissioners through a series of
dari usulan Komite Remunerasi dan Nominasi, procedures, starting from the recommendation of the
sampai pada akhirnya ditetapkan oleh Rapat Umum Remuneration and Nomination Committee before finally
Pemegang Saham. Prosedur tersebut disampaikan being determined by the General Meeting of Shareholders.
dalam skema berikut ini. The procedure is described in the following scheme.
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BANK 2021
KOMITE REMUNERASI DAN NOMINASI

REMUNERATION AND NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi mengumpulkan informasi mengenai standar remunerasi untuk jabatan dan industri sejenis
dengan memperhitungkan kinerja Bank Sinarmas. Komite membuat rekomendasi kepada Dewan Komisaris.
The Remuneration and Nomination Committee collects information on remuneration standards for positions and similar
industries considering the performance of Bank Sinarmas. The Committee provides recommendations to the Board of
Commissioners.
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Dewan Komisaris mempelajari rekomendasi dari Komite Remunerasi dan Nominasi dan mengusulkan remunerasi Dewan
Komisaris kepada RUPS.
The Board of Commissioners studies the recommendations of the Remuneration and Nomination Committee and proposes
the remuneration of the Board of Commissioners to the GMS.
RAPAT UMUM PEMEGANG SAHAM

ANNUAL GENERAL MEETING OF SHAREHOLDERS
RUPS memberi wewenang kepada Dewan Komisaris untuk menetapkan Honorarium dengan memperhatikan usul yang
diajukan oleh Komite Remunerasi dan Nominasi.
The GMS authorizes the Board of Commissioners to determine the Honorarium by paying attention to the proposals
submitted by the Remuneration and Nomination Committee.
REMUNERASI DEWAN KOMISARIS

BOARD OF COMMISSIONERS REMUNERATION
Pelaksanaan Remunerasi Dewan Komisaris telah sesuai dengan prosedur atas peraturan yang berlaku.
The implementation of the Board of Commissioners Remuneration is in accordance with the procedures for prevailing
regulations.
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Indikator Remunerasi Dewan Komisaris Remuneration Indicator of the Board of

Commissioners
Bank menetapkan remunerasi Dewan Komisaris The Bank determines the remuneration for the
dengan mempertimbangkan banyak hal, baik Board of Commissioners by considering many
peraturan perundang-undangan yang berlaku, things, both applicable laws and regulations, as well
maupun kebijakan internal seperti skala usaha, as internal policies such as business scale, business
kompleksitas usaha, peer group, tingkat inflasi, kondisi, complexity, peer group, inflation rate, condition, Bank
kinerja Bank, dan kemampuan keuangan. Selain itu, performance, and financial capability. In addition,
remunerasi diberikan berdasarkan kinerja masing- remuneration is given based on the performance of
masing anggota dengan mempertimbangkan tugas each member by taking into account the duties and
dan tanggung jawab Dewan Komisaris. responsibilities of the Board of Commissioners.
Komponen Remunerasi Dewan Komisaris Remuneration Components of the Board of

Commissioners
Mengacu pada indikator yang telah ditetapkan, Refer to the established indicators, the following
berikut ini komponen remunerasi Dewan Komisaris are components of remuneration for the Board of
yang berlaku di Bank. Commissioners that apply in the Bank.
RINCIAN KOMPONEN REMUNERASI DAN FASILITAS DEWAN KOMISARIS

Details of the Remuneration and Facilities Components of the Board of Commissioners
Jenis Remunerasi/
Fasilitas
Keterangan
No Type of
Description
Remuneration/
Facility
Tunjangan
1 Hari Raya Dewan Komisaris diberikan tunjangan sebesar 1 (satu) kali honorarium
Religious Holiday The Board of Commissioners is provided 1 (one) time honorarium allowance
Fasilitas
1 Kesehatan 1. Fasilitas kesehatan diberikan kepada anggota Dewan Komisaris dalam bentuk asuransi
Health kesehatan.
2. Fasilitas kesehatan diberikan kepada anggota Dewan Komisaris serta suami/isteri dan
maksimal 3 (tiga) orang anak dengan ketentuan anak tersebut belum menikah dan
belum bekerja atau usia anak maksimal 21 (dua puluh satu) tahun.
1. Health facilities are provided to members of the Board of Commissioners in the form of
health insurance.
2. Health facilities are provided to members of the Board of Commissioners and their
spouses and up to 3 (three) children with the conditions that the child is unmarried and
has not worked or the child’s age is maximum 21 (twenty one) years old.
2 Bantuan Hukum Fasilitas bantuan hukum diberikan kepada Dewan Komisaris dalam hal terjadi tindakan/
Legal Assistance perbuatan untuk dan atas nama jabatan anggota Dewan Komisaris yang berkaitan dengan
maksud dan tujuan serta kegiatan usaha Perseroan.
Legal Assistance facilities are provided to the Board of Commissioners in the event of
actions for and on behalf of the members of the Board of Commissioners relating to the
purpose and objectives and business activities of the Company.
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3 Komunikasi 1. Diberikan penggantian alat komunikasi setiap 2 (dua) tahun sekali.

Communication 2. Diberikan fasilitas pulsa setiap bulan.
1. Replacement of communication tools every 2 (two) years.
2. Phone credit facility is given every month
4 Transportasi Diberikan uang penggantian untuk tol, parkir, dan BBM yang besarannya disesuaikan
Transportation dengan penggunaan.
Reimbursement for Toll Roads billings, Parking, and Fuel for the amount adjusted to the
expenses.
REALISASI REMUNERASI DAN FASILITAS DEWAN KOMISARIS

Realization of the Remuneration and Facilities of the Board of Commissioners
2021 2020 2019
Jenis Remunerasi dan Dalam Dalam Dalam

Jumlah Jumlah Jumlah
Fasilitas Lain Jutaan Jutaan Jutaan
Penerima Penerima Penerima
Remuneration and Facilities Rupiah Rupiah Rupiah
Number of Number of Number of
In Millions In Millions In Millions
Recipients Recipients Recipients
Rupiah Rupiah Rupiah
Remunerasi (honorarium, jasa

produksi, tunjangan rutin, dan
fasilitas lainnya)
3 5.014 3 4.185 3 4.579
Remuneration (honorarium,
production services, routine
allowances, and other facilities)
Fasilitas lain dalam bentuk transportasi, asuransi kesehatan, komunikasi dan sebagainya
Other facilities in the form of transportation, health insurance, communications, and others
a. dapat dimiliki
3 17 3 127 3 153
can be owned
b. tidak dapat dimiliki

- - - - -
cannot be owned
Total 3 5.031 3 4.312 3 4.732
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KEBIJAKAN REMUNERASI DIREKSI REMUNERATION POLICY OF THE BOARD OF

DIRECTORS
Kebijakan remunerasi Direksi mengacu pada The remuneration policy for the Board of Directors
ketentuan POJK No.45/POJK.03/2015 tentang refers to the provisions of POJK No.45/POJK.03/2015
Penerapan Tata Kelola dalam Pemberian Remunerasi concerning Implementation of Governance in
bagi Bank Umum serta SEOJK No.40/SEOJK.03/2016 Providing Remuneration for Commercial Banks
tentang Penerapan Tata Kelola dalam Pemberian and SEOJK No.40/SEOJK.03/2016 concerning
Remunerasi Bank Umum. Implementation of Governance in Providing
Remuneration for Commercial Banks.
Direksi menerima paket remunerasi yang terdiri dari: The Board of Directors received a remuneration
package consisting of:
1. Remunerasi yang bersifat tetap yaitu remunerasi 1. Fixed remuneration is the remuneration given
yang tidak dikaitkan dengan kinerja dan risiko, regardless of performance and risks, such as
antara lain gaji dan tunjangan hari raya. honorarium and religious holiday allowances.
2. Remunerasi yang bersifat variabel yaitu 2. Variable remuneration, namely remuneration
Remunerasi yang dikaitkan dengan kinerja dan that is related to performance and risk, including
risiko, antara lain jasa produksi atau bentuk lainnya production services or other equivalent forms.
yang dipersamakan dengan itu.
Prosedur Penetapan Remunerasi Direksi Procedures in Determining the Remuneration of

the Board of Directors
Mekanisme penetapan remunerasi Direksi melalui The mechanism to determine the remuneration
serangkaian prosedur, sejak dari usulan Komite of the Board of Directors through a series of
Remunerasi dan Nominasi sebelum akhirnya procedures, starting from the recommendation of the
ditetapkan oleh Rapat Umum Pemegang Saham. Remuneration and Nomination Committee before
Prosedur tersebut disampaikan dalam skema berikut finally being determined by the General Meeting
ini. of Shareholders. The procedure is described in the
following scheme.
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KOMITE REMUNERASI DAN NOMINASI

REMUNERATION AND NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi mengumpulkan informasi mengenai standar remunerasi untuk jabatan dan industri sejenis
dengan memperhitungkan kinerja Bank Sinarmas. Komite membuat rekomendasi kepada Dewan Komisaris.
The Remuneration and Nomination Committee collects information on remuneration standards for positions and similar
industries considering the performance of Bank Sinarmas. The Committee provides recommendations to the Board of
Commissioners.
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Dewan Komisaris mempelajari rekomendasi dari Komite Remunerasi dan Nominasi dan mengusulkan remunerasi Dewan
Direksi kepada RUPS.
The Board of Commissioners studies the recommendations of the Remuneration and Nomination Committee and proposes
the remuneration of the Board of Directors to the GMS.
RAPAT UMUM PEMEGANG SAHAM

ANNUAL GENERAL MEETING OF SHAREHOLDERS
RUPS memberi wewenang kepada Dewan Komisaris untuk menetapkan Honorarium dengan memperhatikan usul yang
diajukan oleh Komite Remunerasi dan Nominasi.
The GMS authorizes the Board of Commissioners to determine the Honorarium by paying attention to the proposals
submitted by the Remuneration and Nomination Committee.
REMUNERASI DIREKSI
BOARD OF DIRECTORS REMUNERATION
Pelaksanaan Remunerasi Direksi telah sesuai dengan prosedur atas peraturan yang berlaku.
The implementation of the Board of Directors Remuneration is in accordance with the procedures for prevailing
regulations.
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Indikator Penetapan Remunerasi Direksi Remuneration Indicator of the Board of Directors

Bank menetapkan remunerasi Direksi dengan The Bank determines the remuneration for the
mempertimbangkan banyak hal, baik peraturan Board of Directors by considering many things,
perundang-undangan yang berlaku, maupun both applicable laws and regulations, as well as
kebijakan internal seperti skala usaha, kompleksitas internal policies such as business scale, business
usaha, peer group, tingkat inflasi, kondisi, kinerja complexity, peer group, inflation rate, condition, Bank
Bank, dan kemampuan keuangan. Selain itu, performance, and financial capability. In addition,
remunerasi diberikan berdasarkan kinerja masing- remuneration is given based on the performance
masing anggota dengan mempertimbangkan tugas of each member by taking into account the duties
dan tanggung jawab Direksi. Formulasinya mengacu and responsibilities of the Board of Directors. The
pada kebijakan internal Bank. formulation refers to the Bank’s internal policies.
Hubungan Remunerasi dan Kinerja Perusahaan Relations between Remuneration and

Performance of the Company
Bank Sinarmas menetapkan penilaian kinerja dengan Bank Sinarmas establishes a performance appraisal
pendekatan Key Performance Indikator (KPI) yang using the Key Performance Indicator (KPI) approach
mengacu pada Rencana Bisnis Bank (RBB). Selain itu, which refers to the Bank’s Business Plan (RBB). In
pertimbangan lainnya adalah penerapan aspek risiko addition, another consideration is the implementation
dan kepatuhan dalam pengelolaan Bank oleh Direksi. of risk and compliance aspects in the management
Setiap tahun, realisasi dan upaya dalam pencapaian of the Bank by the Board of Directors. Every year, the
KPI tersebut dijadikan dasar evaluasi yang menjadi realization and efforts to achieve the KPI are used as
pertimbangan dalam penentuan remunerasi Direksi. a basis for evaluation which becomes a consideration
in determining the remuneration of the Board of
Directors.
Komponen Remunerasi Direksi Remuneration Components

Komponen remunerasi Direksi diungkapkan dengan Remuneration Components of the Board of Directors
mengacu pada Surat Edaran Otoritas Jasa Keuangan The Board of Directors’ remuneration component
No.40/SEOJK.03/2016 tentang Penerapan Tata Kelola is disclosed by referring to the Financial Services
dalam Pemberian Remunerasi Bank Umum. Authority Circular Letter No. 40/ SEOJK.03/2016 on
the Implementation of Governance in Providing
Remuneration for Commercial Banks.
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REALISASI REMUNERASI DAN FASILITAS DEWAN KOMISARIS

Realization of the Remuneration and Facilities of the Board of Commissioners
Jenis Remunerasi/
Fasilitas Keterangan
No.
Type of Remuneration/ Description
Facility
Tunjangan
Allowances
1 Hari Raya Direksi diberikan tunjangan sebesar 1 (satu) kali upah

Holiday The Board of Directors is provided 1 (one) time salary
Fasilitas
Facilities
1 Kesehatan 1. Fasilitas kesehatan diberikan kepada anggota Direksi dalam bentuk BPJS Kesehatan
Health dan asuransi kesehatan.
2. Fasilitas kesehatan diberikan kepada anggota Direksi serta suami/isteri dan
maksimal 3 (tiga) orang anak dengan ketentuan anak tersebut belum menikah dan
belum bekerja atau usia anak maksimal 21 (dua puluh satu) tahun. Fasilitas yang
diberikan berupa fasilitas rawat jalan dan rawat inap.
1. Health facilities are provided to members of the Board of Directors in the form of
BPJS Kesehatan and health insurance
2. Health facilities are provided to members of the Board of Directors and their spouses
and up to 3 (three) children with the conditions that the child is unmarried and has
not worked or the child’s age is maximum 21 (twenty one) years old. The facilities
provided are outpatient and inpatient facilities.
2 Bantuan Hukum Fasilitas bantuan hukum diberikan kepada Direksi dalam hal terjadi tindakan/perbuatan
Legal Assistance untuk dan atas nama jabatan Direksi yang berkaitan dengan maksud dan tujuan serta
kegiatan usaha Perseroan.
Legal Assistance facilities are provided to the Board of Commissioners in the event of
actions for and on behalf of the members of the Board of Commissioners relating to the
purpose and objectives and business activities of the Company.
3 Komunikasi 1. Diberikan penggantian alat komunikasi setiap 2 (dua) tahun sekali.

Communication 2. Diberikan fasilitas pulsa setiap bulan.
1. Replacement of communication tools every 2 (two) years.
2. Phone credit facility is given every month.
4 Transportasi Diberikan uang penggantian untuk tol, parkir dan BBM yang besarannya disesuaikan
Transportation dengan penggunaan dan fasilitas kendaraan dinas.
Reimbursement for toll roads, parking and fuel for the amount adjusted to the use and
facilities of the official vehicles.
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REALIZATION REMUNERATION DAN FASILITAS DIREKSI

Realization of the Remuneration and Facilities of the Board of Directors
2021 2020 2019
Jenis Remunerasi dan Dalam Dalam Dalam

Jumlah Jumlah Jumlah
Fasilitas Lain Jutaan Jutaan Jutaan
Penerima Penerima Penerima
Remuneration and Facilities Rupiah Rupiah Rupiah
Number of Number of Number of
In Millions In Millions In Millions
Recipients Recipients Recipients
Remunerasi (honorarium, jasa

produksi, tunjangan rutin, dan
fasilitas lainnya)
6 20.268 6 17.046 6 18.474
Remuneration (honorarium,
production services, routine
allowances, and other facilities)
Fasilitas lain dalam bentuk transportasi, asuransi kesehatan, komunikasi dan sebagainya
Other facilities in the form of transportation, health insurance, communications, and others
a. dapat dimiliki
6 - 6 396 6 486
a. can be owned
b. tidak dapat dimiliki

- - - -
b. cannot be owned
Total 6 20.268 6 17.442 6 18.960
TATA KELOLA UNIT USAHA SHARIA BUSINESS UNIT

SYARIAH GOVERNANCE
Bank Sinarmas menunjuk 1 (satu) orang anggota Bank Sinarmas appoints 1 (one) person as the
dewan direksi sebagai Direktur UUS untuk Director of the Sharia Business Unit. This official is
menjalankan kegiatan unit usaha syariah (UUS). fully responsible for the implementation of the Sharia
Pejabat tersebut bertanggung jawab penuh atas Business Unit management of Bank Sinarmas based
pelaksanaan pengelolaan UUS Bank Sinarmas on prudential principles and sharia principles.
berdasarkan prinsip kehati-hatian dan prinsip
syariah.
Sesuai hasil RUPST 31 Agustus 2020, Direktur UUS In accordance with the results of the AGMS on August
Bank Sinarmas untuk periode 2020-2023 dijabat 31, 2020, the Director of UUS Bank Sinarmas for the
kembali oleh Bapak Halim. Beliau mulai menjabat 2020-2023 period was re-occupied by Mr. Halim. He
sejak tanggal 26 Oktober 2017 berdasarkan Surat has been serving since October 26, 2017 based on the
Keputusan Persetujuan fit and proper dari Otoritas Fit and Proper Approval Decree from the Financial
Jasa Keuangan No. SR-48/PB.13/2017 perihal Services Authority No. SR-48/PB.13/2017 regarding
Keputusan atas Pengajuan Calon Direktur UUS PT. Decision on Submission of Candidate for Director of
Bank Sinarmas Tbk. Profil lengkap telah disajikan UUS PT. Bank Sinarmas Tbk. The complete profile has
pada bab “Profil Perusahaan”, bagian “Profil Direksi” been presented in the chapter “Company Profile”,
yang terdapat dalam Laporan Gabungan ini. section “Profile of the Board of Directors” contained in
this Joint Report.
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KRITERIA DAN INDEPENDENSI DIREKTUR UUS CRITERIA AND INDEPENDENCY OF THE SHARIA
BUSINESS UNIT DIRECTOR
Kriteria Independensi Direktur UUS, telah sesuai The Independence Criteria of the Sharia Business Unit
dengan ketentuan Bank Indonesia sebagai berikut: Director are in accordance with the following Bank
Indonesia regulations:
1. Dalam melaksanakan fungsi pengelolaan 1. In carrying out the function of managing the
UUS, Direktur UUS tidak memiliki benturan Sharia Business Unit, the Director of Sharia
kepentingan (conflict of interest). Business Unit has no conflicts of interest.
2. Direktur UUS Bank Sinarmas memiliki kompetensi 2. The Sharia Business Unit of Bank Sinarmas has
dan komitmen dalam pengembangan UUS. the competence and commitment to develop the
Sharia Business Unit.
3. Direktur UUS Bank Sinarmas tidak memiliki 3. The Sharia Business Unit of Bank Sinarmas has no
hubungan keluarga dan hubungan keuangan family relations and financial relations with fellow
dengan anggota Direksi lainnya, anggota Dewan members of the Board of Directors, members
Komisaris dan Pemegang Saham Pengendali. of the Board of Commissioners, and Controlling
Shareholders.
SELF-ASSESMENT TATA KELOLA UNIT USAHA SELF-ASSESMENT ON THE SHARIA BUSINESS

SYARIAH UNIT GOVERNANCE
Pelaksanaan tata kelola UUS di lingkungan The implementation of Sharia Business Unit
Bank, dievaluasi secara berkala. Penilaian dalam governance within the Bank is regularly evaluated.
evaluasi tersebut dilaksanakan secara sendiri (self- The assessment in the evaluation is carried out
assessment). Berdasarkan penilaian pada self- independently (self-assessment). Based on the self-
assessment pelaksanaan GCG tahun 2021, yang assessment of the implementation of GCG in 2020,
mencakup hal-hal sebagaimana diatur dalam SEBI which includes matters regulated in SEBI Number
Nomor 12/13/DPbS Tahun 2010 tentang Pelaksanaan 12/13/DPbS of 2010 concerning the Implementation
GCG bagi Bank Umum Syariah dan Unit Usaha of GCG for Sharia Commercial Banks and Sharia
Syariah, maka dapat dilaporkan hasil penilaian nilai Business Units, it can be reported here that the
komposit “1,70” atau dengan Predikat “Baik”. Company achieved a composite score of “1,70 “or with
the Predicate “Good”.
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HASIL SELF-ASSESSMENT TATA KELOLA UUS

Self-Assessment Results of Sharia Busines Unit Governance
Bobot Nilai
Peringkat
Faktor (b) (a) x (b)
No (a)
Factor Weight Score (a)
Rating (a)
(b) x(b)
1 Pelaksanaan tugas dan tanggung jawab Direktur UUS

Implementation of duties and responsibilities of the Sharia Business Unit 2,00 35,00% 0,70
Director
2 Pelaksanaan tugas dan tanggung jawab Dewan Pengawas Syariah

1,00 20,00% 0,20
Implementation of duties and responsibilities of the Sharia Supervisory Board
3 Pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana dan

penyaluran dana serta pelayanan jasa unit syariah
2,00 10,00% 0,20
Implementation of sharia principles in the activities of raising funds and
channeling funds as well as sharia business unit services
4 Penyalusan dana kepada nasabah pembiayaan inti dan penyimpanan dana

oleh deposan inti
1,00 10,00% 0,10
Distribution of funds to core financing customers and depositing of funds by
core depositors
5 Transparansi kondisi keuangan dan non-keuangan, laporan pelaksanaan

GCG dan pelaporan internal
2,00 25,00% 0,50
Transparency of financial and non-financial conditions, GCG implementation
reports and internal reporting
Nilai Komposit
100,00% 1,70
Composite Score
DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD
Dewan Pengawas Syariah (DPS) adalah dewan Sharia Supervisory Board (DPS) is a board tasked
yang bertugas memberikan nasihat dan saran with providing advice and suggestions to the
kepada Direksi serta mengawasi kegiatan Bank agar Board of Directors as well as supervising the Bank’s
sesuai dengan Prinsip Syariah. DPS Bank Sinarmas activities in accordance with Sharia Principles. The
bertanggung jawab memastikan pelaksanaan GCG DPS of Bank Sinarmas is responsible for ensuring the
di Unit Usaha Syariah. DPS diangkat dan disahkan implementation of GCG in the Sharia Business Unit.
melalui RUPS sesuai dengan rekomendasi dari Dewan The DPS is appointed and ratified through the GMS
Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). in accordance with the recommendations of the
National Sharia Council-Indonesian Ulema Council
(DSN-MUI).
Berdasarkan RUPST tanggal 31 Agustus 2020, Bank Based on the AGMS on August 31, 2020, Bank Sinarmas
Sinarmas mengangkat kembali anggota DPS periode reappointed members of the DPS for the period 2017-
2017-2020 untuk masa jabatan sampai dengan RUPST 2020 for a term of office until the AGMS 2023 with the
2023 dengan susunan sebagai berikut: following composition:
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Masa Jabatan
Term of Office
Nama Jabatan
Pengangkatan Akhir Masa
Name Position Rekomendasi DSN-MUI Pengangkatan
RUPS Jabatan
Recommendation of the Kembali
Appointment by End of Term
DSN-MUI Reappointment
the GMS of Office
Dr. H. Ahmadi Ketua RUPST 9 Mei 2017 U-074/DSN-MUI/II/2017 RUPST 31 Agustus RUPST 2023
Sukarno,Lc., M.Ag Chairman AGMS 9 May 2017 tanggal 6 Februari 2017 2020 AGMS 2023
U-074/DSN-MUI/II/2017 dated AGMS 31 August
6 February 2017 2020
Dr. H. Moch. Anggota RUPST 9 Mei 2017 U-074/DSN-MUI/II/2017 RUPST 31 Agustus RUPST 2023
Bukhori Mus- lim, Member AGMS 9 May 2017 tanggal 6 Februari 2017 2020 AGMS 2023
Lc., MA U-074/DSN-MUI/II/2017 dated AGMS 31 August
6 February 2017 2020
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PROFIL DEWAN PENGAWAS SYARIAH PROFILE OF THE SHARIA SUPERVISORY BOARD
KETUA DEWAN PENGAWAS SYARIAH

Chairman of the Sharia Supervisory Board
Nama Ahmadi Sukarno

Name

Citizenship Indonesia
Domisili Jakarta
Domicile Jakarta
Usia 53 tahun
Age 53 years old
Riwayat Jabatan Pertama kali diangkat sebagai Ketua Dewan Pengawas Syariah pada RUPS Tahunan 9 Mei 2017.
dan Dasar Hukum Pengangkatan tersebut berdasarkan rekomendasi dari DSN-MUI Nomor U-074/DSN-MUI/II/2017
Pengangkatan tanggal 6 Februari 2017. Kemudian diangkat kembali melalui RUPS Tahunan tanggal 31 Agustus 2020
Position History dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
and Legal Basis of He was first appointed as Chairman of the Sharia Supervisory Board at the Annual GMS on 9 May 2017.
the Appointment The appointment was based on a recommendation from DSN-MUI Number U-074/DSN-MUI/II/2017
dated 6 February 2017. Then he was reappointed through the Annual GMS on 31 August 2020 with the
end of the term of office until the 2023 Annual GMS is held.
Rangkap Jabatan • Ketua Dewan Pengawas Syariah PT Sinarmas Asset Manajemen

Concurrent • Anggota Dewan Pengawas Syari’ah PT Asuransi Sinarmas Life Syariah (Asuransi Jiwa Sinarmas
Position Syari’ah MSIG)
• Anggota Komite Tata Kelola Terintegrasi PT. Bank Sinarmas Tbk.
• Chairman of the Sharia Supervisory Board of PT Sinarmas Asset Management
• Member of the Sharia Supervisory Board of PT Asuransi Sinarmas Life Syariah (Sinarmas Syari’ah Life
Insurance MSIG)
• Member of the Integrated Governance Committee of PT. Bank Sinarmas Tbk.
Riwayat • Sarjana Syariah, Fakultas Syariah Ma’had Al Ulum Al Islamiyah Wa Arabiyah dari Universitas Islam
Pendidikan Imam Muhamnad Bin Saud (1994)
History of • Magister Agama Islam Universitas Ibn Khaldun (UIKA), Bogor (2002)
Education • Doktor (S3) Pendidikan Islam dari Universitas Ibn Khaldun (UIKA), Bogor (2015)
• Bachelor of Sharia, Faculty of Sharia Ma’had Al Ulum Al Islamiyah Wa Arabiyah from Imam
Muhamnad Bin Saud Islamic University (1994)
• Master of Islamic Studies at Ibn Khaldun University (UIKA), Bogor (2002)
• Doctor of Islamic Education (S3) from Ibn Khaldun University (UIKA), Bogor (2015)
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Riwayat Pekerjaan • Dosen Sekolah Tinggi Ilmu Tarbiyah Fatahillah, Kabupaten Bogor (2019-sekarang)
Career History • Dosen Sekolah Tinggi Ilmu Tarbiyah Maqtab Sholahuddin, Kota Bogor (2017-sekarang)
• Anggota Dewan Pengawas Syariah PT Asuransi Sinarmas Life Syari’ah (Asuransi Jiwa Sinarmas
Syari’ah MSIG) (2004-sekarang)
• Sekretaris Dewan Pengawas Syariah, Syarikat Takaful Indonesia (2000-2014)
• Dosen Pendidikan Agama Islam, Institut Pertanian Bogor (2004)
• Dosen, Ma’had Sholahudin Bogor (1993-1998)
• Lecturer of Tarbiyah Fatahillah College, Bogor Regency (2019-present)
• Lecturer at Maqtab Sholahuddin Tarbiyah College, Bogor City (2017-present)
• Member of the Sharia Supervisory Board of PT Asuransi Sinarmas Life Syari’ah (Sinarmas Syari’ah Life
Insurance MSIG) (2004-present)
• Secretary of the Sharia Supervisory Board, Syarikat Takaful Indonesia (2000-2014)
• Lecturer of Islamic Religious Education, Bogor Agricultural University (2004)
• Lecturer, Ma’had Sholahudin Bogor (1993-1998)
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham
Affiliation Pengendali.
No affiliations with members of the Board of Commissioners, Directors and Controlling Shareholders.
ANGGOTA DEWAN PENGAWAS SYARIAH

Member of the Sharia Supervisory Board
Nama Moch. Bukhori Muslim

Name

Citizenship Indonesia
Domisili Jakarta
Domicile Jakarta
Usia 45 tahun
Age 45 years old
Riwayat Jabatan Pertama kali diangkat sebagai Ketua Dewan Pengawas Syariah pada RUPS Tahunan 9 Mei 2017.
dan Dasar Hukum Pengangkatan tersebut berdasarkan rekomendasi dari DSN-MUI Nomor U-074/DSN-MUI/II/2017
Pengangkatan tanggal 6 Februari 2017. Kemudian diangkat kembali melalui RUPS Tahunan tanggal 31 Agustus
Position History and 2020 dengan akhir periode jabatan hingga dilaksanakannya RUPS Tahunan 2023.
Legal Basis of the He was first appointed as Chairman of the Sharia Supervisory Board at the Annual GMS on 9 May
Appointment 2017. The appointment was based on a recommendation from DSN-MUI Number U-074/DSN-MUI/
II/2017 dated 6 February 2017. Then he was reappointed through the Annual GMS on 31 August 2020
with the end of the term of office until the 2023 Annual GMS is held.
Rangkap Jabatan • Ketua Dewan Pengawas Syariah PT Bukopin Finance Syariah

Concurrent Position • Chairman of the Sharia Supervisory Board of PT Bukopin Finance Syariah
Riwayat Pendidikan • Sarjana Bidang Muamalat STAI Azziyadah Jakarta (2001)

History of Education • Sarjana Syariah, LPIA Jakarta (2006)
• Magister Ekonomi Islam UIN Jakarta (2005)
• Doktor Ekonomi Islam UIN Jakarta (2017)
• Bachelor’s Degree in Muamalat STAI Azziyadah Jakarta (2001)
• Bachelor of Sharia, LPIA Jakarta (2006)
• Master of Islamic Economics UIN Jakarta (2005)
• Doctor of Islamic Economics at UIN Jakarta (2017)
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Riwayat Pekerjaan • Ketua Bidang Ekonomi dan Bisnis Syariah DSN MUI (2017-sekarang)
Career History • Sekjen PP LDNU (PBNU) (2016-sekarang)
• Wakil Sekjen Forum Komunikasi KBIH Pusat (2016-2020)
• Sekretaris Bisnis Bidang Bisnis dan Pariwisata Pengurus Pleno DSN-MUI (2015-2020)
• Head of Sharia Business and Economics Division of DSN MUI (2017-present)
• Secretary General of PP LDNU (PBNU) (2016-present)
• Deputy Secretary General of the Central KBIH Communication Forum (2016-2020)
• Secretary of Business for Business and Tourism for the Plenary Committee of DSN-MUI (2015-
2020)
No affiliations with members of the Board of Commissioners, Directors and Controlling
Shareholders.
TUGAS DAN TANGGUNG JAWAB DPS DUTIES AND RESPONSIBILITIES OF THE SSB
Dewan Pengawas Syariah (DPS) bertugas dan The Sharia Supervisory Board (SSB) has the duty and
bertanggung jawab memberikan nasihat dan responsibility of providing advice and suggestions to
saran kepada Direktur UUS Bank Sinarmas, serta the Sharia Business Unit Director of Bank Sinarmas as
mengawasi kegiatan UUS agar sesuai dengan prinsip well as supervising the Sharia Business Unit activities
syariah yang berlaku, antara lain: carried out based on sharia principles to comply with
applicable sharia principles, including:
1. Menilai dan memastikan pemenuhan prinsip 1. Assess and ensure compliance with sharia
syariah dalam pedoman operasional dan produk principles in operational guidelines and products
yang dikeluarkan UUS. issued by the Sharia Business Unit.
2. Mengawasi proses pengembangan produk baru 2. Supervise the process of developing new Sharia
UUS sejak awal sampai dengan dikeluarkannya Business Unit products from the beginning until
produk tersebut. the product is issued.
3. Memberikan opini syariah terhadap produk baru 3. Provide sharia opinions on new products and/or
dan/atau pembiayaan yang direstrukturisasi. restructured financing.
4. Meminta fatwa kepada Dewan Syariah Nasional 4. Request a fatwa from the National Sharia Board
untuk produk baru UUS yang belum ada fatwanya. for new Sharia Business Unit products that have
no fatwa yet.
5. Melakukan tinjauan secara berkala atas 5. Conduct periodic reviews on compliance with
pemenuhan Prinsip Syariah terhadap mekanisme Sharia Principles on the mechanism of raising
penghimpunan dana dan penyaluran dana serta funds and channeling funds as well as Bank
pelayanan jasa Bank. services.
6. Meminta data dan informasi terkait dengan 6. Request data and information related to sharia
aspek syariah dari satuan kerja UUS dalam rangka aspects from the Sharia Business work units in
pelaksanaan tugasnya. order to carry out its duties.
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KRITERIA DEWAN PENGAWAS SYARIAH CRITERIA OF THE SHARIA SUPERVISORY BOARD
Anggota DPS UUS Bank Sinarmas telah memenuhi Members of the SSB UUS Bank Sinarmas have met
persyaratan kriteria baik integritas, kompetensi the criteria for integrity, competence and financial
maupun reputasi keuangan sesuai dengan ketentuan reputation in accordance with the provisions of Bank
Bank Indonesia sebagai berikut: Indonesia as follows:
1. Anggota DPS memiliki integritas, yang paling 1. SSB members have integrity, which at least
kurang mencakup: includes:
a. Memiliki akhlak dan moral yang baik; a. Have good character and morals;
b. Memiliki komitmen untuk mematuhi ketentuan b. Have a commitment to comply with the
perbankan syariah dan ketentuan peraturan requirements of Islamic banking and the
perundang-undangan yang berlaku; provisions of prevailing laws and regulations;
c. Memiliki komitmen terhadap pengembangan c. Having a commitment to the development of
perbankan syariah yang sehat dan tangguh sound and resilient Islamic banking (suistainable);
(sustainable); and
d. Memperoleh surat keputusan persetujuan fit d. Obtaining a letter of approval fit and proper
and proper dari Otoritas Jasa Keuangan No. from the Financial Services Authority No. S-106/
S-106/PB 1311/2017 atas nama Bapak Ahmadi PB 1311/2017 on behalf of Mr Ahmadi Sukarno
Sukarno dan No. SR-43/PB.13/2017 atas nama and No. SR-43/PB.13/2017 on behalf of Mr. Moch.
Bapak Moch. Bukhori Muslim. Muslim Bukhari.
2. Anggota DPS UUS Bank Sinarmas merupakan 2. Members of the SSB UUS Bank Sinarmas are
profesional yang memiliki kompetensi, yang competent professionals who at least have
sekurang-kurangnya memiliki pengetahuan dan knowledge and experience in the field of sharia
pengalaman di bidang syariah mu’amalah dan mu’amalah and knowledge in banking and/or
pengetahuan di bidang perbankan dan/atau finance in general.
keuangan secara umum.
3. Anggota DPS UUS Bank Sinarmas memiliki 3. Members of the SSB UUS Bank Sinarmas have a
reputasi keuangan yang baik, paling kurang: good financial reputation, at least:
a. Tidak termasuk dalam daftar kredit macet. a. not included in the list of bad debts; and
b. Tidak pernah dinyatakan pailit atau menjadi b. have never been declared bankrupt or have
pemegang saham, anggota Dewan Komisaris been a shareholder, member of the Board of
atau anggota Direksi suatu perseroan dan/ Commissioners, or member of the Board of
atau anggota pengurus suatu badan usaha Directors of a company and/ or member of the
yang dinyatakan bersalah menyebabkan suatu management of a business entity found guilty of
perseroan dan/atau badan usaha dinyatakan causing a company and/or business entity to be
pailit, dalam waktu 5 (lima) tahun terakhir declared bankrupt, within the last 5 (five) years
sebelum dicalonkan. prior to the nomination.
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INDEPENDENSI DAN RANGKAP JABATAN DPS INDEPENDENCY AND CONCURRENT POSITIONS

OF THE SSB
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the SSB
DPS UUS Bank Sinarmas telah menjalankan prinsip UUS Bank Sinarmas has implemented the principle of
independensi, di mana DPS bersifat objektif, bebas independence, where the SSB is objective, free from
dari intervensi pihak manapun, serta bebas dari intervention from any party, and free from all conflicts
segala pertentangan kepentingan. DPS melakukan of interest. SSB conducts a supervisory process on
proses pengawasan pada UUS sesuai dengan prinsip- UUS in accordance with sharia principles.
prinsip syariah.
Peraturan Bank Indonesia No. 11/10/PBI/2009 tentang Regulation of Bank Indonesia No. 11/10/PBI/2009
Unit Usaha Syariah memperbolehkan rangkap concerning Sharia Business Units allows concurrent
jabatan sebagai anggota DPS maksimal 4 (empat) positions as members of SSB for a maximum of 4 (four)
pada lembaga keuangan syariah. DPS UUS Bank in sharia financial institutions. SSB of Bank Sinarmas’
Sinarmas memiliki rangkap jabatan sebagai berikut: Sharia Business Unit has concurrent positions as
follows:
Jabatan pada Lembaga Keuangan Nama Lembaga Keuangan Syariah

Nama Syariah Lain Lain
Name Position in Other Sharia Financial Name of Other Sharia Financial
Insitution Institution
Dr. H. Ahmadi Sukarno,Lc., M.Ag Ketua DPS PT Sinarmas Aset Manajemen

Chairman of SSB PT Asuransi Sinarmas Life Syariah
Anggota DPS
Member of SSB
Dr. H. Moch. Bukhori Muslim, Lc., MA Ketua DPS PT Bukopin Finance Syariah
Chairman of SSB
RAPAT DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD MEETING
Rapat DPS wajib diselenggarakan paling kurang The SSB meeting must be held at least 1 (one) time
1 (satu) kali dalam 1 (satu) bulan. DPS telah in 1 (one) month. The SSB has held 12 meetings
menyelenggarakan rapat sebanyak 12 kali selama during 2021. Meeting decisions have been recorded in
tahun 2021. Keputusan rapat telah dituangkan dalam minutes of meeting and have been well documented
risalah rapat dan telah didokumentasikan dengan as stipulated in Bank Indonesia Regulation No.11/22/
baik sebagaimana diatur dalam Peraturan Bank PBI/2009 article 49.
Indonesia No.11/22/PBI/2009 pasal 49.
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FREKUENSI KEHADIRAN RAPAT DPS

Attendance Frequency of the SSB Meeting
Jumlah Kehadiran Tingkat

Nama
Number of Kehadiran
Name
Attendances Attendance Rate
Dr. H. Ahmadi Sukarno,Lc., M.Ag 12 100%
Dr. H. Moch. Bukhori Muslim, Lc., MA 12 100%
AGENDA RAPAT DPS

Agenda of SSB Meeting
Tanggal Agenda
Date Agenda
14 Januari 2021 Pencatatan Proyeksi dan Realisasi bagi hasil pada Sistem Bank
14 January 2021 Recording of Projections and Realization of Profit Sharing in the Bank System
Temuan SKAI terkait Pelaksanaan Prinsip Syariah

SKAI’s findings regarding the Implementation of Sharia Principles
Rencana Uji Petik DPS Semester II - 2020

Semester II DPS Picking Test Plan - 2020
Pembiayaan Pengurusan Haji Channeling SMMF

SMMF Channeling Hajj Management Financing
04 Februari 2021 Akad skema Pembiayaan Kebun Sawit

04 February 2021 Contract of Oil Palm Plantation Financing scheme
Skema Akad Ijarah Muntahiyah Bil Tamlik (IMBT)

Ijarah Muntahiyah Bil Tamlik (IMBT) Scheme
Skema Syirkah Musyarakah SCF

SCF Musyarakah Syirkah Scheme
Hasil Uji Petik Semester II - 2020

Semester II Picking Test Results - 2020
16 Maret 2021 Skema Akad Subrograsi

16 March 2021 Subrogation Contract Scheme
Skema Akad Novasi

Novation Contract Scheme
21 April 2021 Pengalihan Piutang SMMF

Transfer of Receivables SMMF
06 Mei 2021 Pengalihan Piutang SMMF

06 May 2021 Transfer of Receivables SMMF
08 Juni 2021 Surat OJK Perihal Laporan Hasil Pengawasan DPS Bank Sinarmas UUS Tahun 2020
08 June 2021 OJK’s Letter Regarding the 2020 UUS Bank Sinarmas DPS Supervision Report
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Tanggal Agenda
Date Agenda
06 Juli 2021 Metode dan Dokumen yang akan dipersiapkan dalam Uji Petik DPS Semester I Tahun 2021
06 July 2021 Methods and Documents to be prepared in the First Semester DPS Picking Test 2021
Skema Akad Pembiayan Pengurusan pendaftaran Ibadah Haji Bank Sinarmas UUS
Financing Contract Scheme
02 Agustus 2021 Pembiayaan KCS Cik Ditiro debitur a.n. PT Karya Sejahtera Abaditama
02 August 2021 KCS financing Cik Ditiro debtor a.n. PT Karya Sejahtera Abaditama
Hasil Pemeriksaan Audit Intern (SKAI) terkait Penerapan Prinsip Syariah

Results of Internal Audit Examination (SKAI) related to the Implementation of Sharia Principles
07 September 2021 Peraturan Menteri Agama No. 13 Tahun 2021 terkait Penyelenggaraan Ibadah Haji Reguler
Minister of Religion Regulation No. 13 of 2021 regarding the Implementation of the Regular Hajj
04 – 05 Oktober 2021 Pembiayaan KUR Khusus Pembiakan dan Penggemukan Sapi Potong
04 – 05 October 2021 KUR Financing for Beef Cattle Breeding and Fattening
Pembiayaan KUR kepada Petani Sawit

KUR Financing for Oil Palm Farmers
Hadiah pada Program Simas Double Untung iB

Prizes in the Simas Double Untung iB Program
26 November 2021 Program Pembiayaan Haji Khusus dengan Skema Channeling

Special Hajj Financing Program with Channeling Scheme
28 Desember 2021 Program dan Rencana aktivitas DPS Tahun 2022

28 December 2021 SSB program and activity plan for 2022
REMUNERASI DEWAN PENGAWAS SYARIAH REMUNERATION OF THE SHARIA SUPERVISORY

BOARD
DPS menerima remunerasi tetap dan tidak tetap The SSB receives fixed and non-fixed remuneration
yang terdiri dari gaji/honorarium dan tunjangan consisting of salary/honorarium and allowances for
atas jasanya kepada Bank. Pengungkapan kebijakan services to the Bank. Disclosure of remuneration
remunerasi dan fasilitas lainnya ditetapkan policies and other facilities are determined based on
berdasarkan keputusan RUPS. the resolution of the GMS.
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RINCIAN REMUNERASI DPS

Details of Remuneration of the SSB
Jumlah yang diterima dalam 1 tahun

Amount received in 1 year
Jenis Remunerasi dan Fasilitas Lainnya
Type of Remuneration and Other Facilitis
Orang Jutaan Rupiah
Persons Million Rupiah
Remunerasi
2 339
Remuneration
Fasilitas Lain
Other Facilities
Dapat Dimiliki
- -
Can be Owned
Tidak Dapat Dimiliki

- -
Cannot be Owned
Jumlah
2 339
Total
INTERNAL FRAUD UUS INTERNAL FRAUD OF SHARIA BUSINESS UNIT
Pada tahun 2021 tidak terjadi internal fraud dalam In 2021 there was no internal fraud in the Sharia
Unit Usaha Syariah, baik yang dilakukan Dewan Business Unit, whether carried out by the Board of
Komisaris, Direksi, Dewan Pengawas Syariah, maupun Commissioners, Directors, Sharia Supervisory Board,
seluruh karyawan UUS. or all UUS employees.
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PERKARA HUKUM UUS

Legal Cases of the Sharia Business Unit
Perdata (Bank sebagai

Permasalahan Tergugat)
Legal Case Civil (Bank as
Defendant)
Dampak terhadap Perseroan
Unit Usaha Unit Usaha Syariah Impact on the Company
Business Unit Sharia Business Unit
Tahun
2021 2020
Year
Perkara yang telah Selesai (Mempunyai Kekuatan Tidak ada dampak kerugian atau risiko
Hukum Tetap) reputasi.
1 1
Cases that have been Resolved (Having Binding There is no impact of loss or reputation
Legal Force) risk.
Perkara dalam Proses Tidak ada dampak kerugian atau risiko

Penyelesaian reputasi.
2 -
Cases in the Process of Settlement There is no impact of loss or reputation
risk.
PENDAPATAN NON-HALAL DAN NON-HALAL INCOME AND ITS UTILIZATION

PENGGUNAANNYA
Pendapatan Non-Halal selama periode tahun 2021 Non-Halal income during the period 2020 amounted
sebesar Rp1,9 miliar dengan sumber pendapatan dari to Rp1.9 billion with the source of income from fine.
pendapatan denda. Penggunaan Pendapatan Non- The use of non-halal income is used for donations to
Halal digunakan untuk donasi ke beberapa pondok several Islamic boarding schools in Indonesia, Islamic
pesantren yang ada di Indonesia, literasi keuangan financial literacy, waqf, and so on.
syariah, wakaf, dan sebagainya.
LAPORAN LAIN TERKAIT UNIT USAHA SYARIAH OTHER REPORTS RELATED TO SHARIA BUSINES
UNITS
Laporan Distribusi Bagi Hasil Statements of Profit Sharing Distribution
Pemberian bagi hasil kepada nasabah dana pihak Profit sharing to customers of third party funds is
ketiga dilakukan berlandaskan prinsip syariah carried out based on sharia principles in accordance
yang sesuai dengan penetapan nisbah pada saat with the determination of the ratio at the time of the
akad penempatan dana. Dalam rangka memenuhi fund placement contract. In order to comply with
asas transparansi dan terukur, Unit Usaha Syariah the principles of transparency and measurability,
berpedoman pada formula perhitungan dan the Sharia Business Unit is guided by the calculation
kebijakan yang tertuang dalam Standar Akuntansi formulas and policies contained in the Sharia
Syariah yang terdiri dari PSAK 100 sampai 111, dan ISAK Accounting Standards which consist of PSAK 100 to
101 dan 102. 111, and ISAK 101 and 102.
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(dalam jutaan Rupiah/ in million Rupiah)
Net Revenue Sharing
Porsi Pemillik Dana

Portion of Fund Owners
Pendapatan
Saldo Rata-
yang akan
Jenis Penghimpunan Dana rata Indikasi Rate
Dibagihasilkan Jumlah Bagi
Type of Fund Raising Average of Return (%)
Income to be Nisbah (%) Hasil
Balance Indication of
Shared Ratio (%) Profit Sharing
Rate of Return
Amount
(%)
Liabilitas kepada Bank Lain

- - - - -
Liabilities to Other Banks
Giro Mudharabah
Mudharabah Demand Deposits
a. Bank 3.365 32 6,43 2 0,74
b. Non-Bank 1.100.247 10.400 21,61 2.278 2,49
Tabungan Mudharabah
Mudharabah Savings
a. Bank - - - - -
b. Non-Bank 989.383 9.352 16,42 1.557 1,89
Deposito Mudharabah
Mudharabah Deposits
a. Bank
-1 Bulan | Month - - - - -
-3 Bulan | Month - - - - -
-6 Bulan | Month - - - - -
-12 Bulan | Month - - - - -
b. Non-Bank
-1 Bulan | Month 1.587.632 15.006 39,80 6.056 4,58
-3 Bulan | Month 285.000 2.694 40,83 1.115 4,70
-6 Bulan | Month 143.300 1.354 42,85 588 4,93
-12 Bulan | Month 193.183 1.826 47,03 871 5,41
Pembiayaan yang Diterima

- - - - -
Financing Received
Jumlah
4.302.110 40.664 12.467
Total
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Saldo Rata-rata Pendapatan yang Diterima

Jenis Penyaluran Dana
Average Balance Income Received
Type of Fund Distribution
A B
1. Pendapatan yang Diterima

- -
Placements with Other Banks
Piutang Murabahah Murabahah Receivables
a. Bank - -
b. Non-Bank 821.717 6.798
3. Piutang Usaha Accounts Receivables
a. Bank - -
b. Non-Bank - -
4. Piutang Multijasa Multi-Service Accounts Receivables
a. Bank - -
b. Non-Bank - -
5. Pembiayaan Gadai Pawn Financing
a. Bank - -
b. Non-Bank - -
6. Pembiayaan Mudharabah Mudharabah Financing
a. Bank - -
b. Non-Bank 803.949 5.937
7. Pembiayaan Musyarakah Musyarakah Financing
a. Bank - -
b. Non-Bank 3.279.503 39.553
8. Pembiayaan Sewa Lease Financing
a. Bank - -
b. Non-Bank 449.493 5.018
9. Pembiayaan Lainnya Other Financing
a. Bank - -
b. Non-Bank - -
Jumlah
5.354.662 57.306
Total
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LAPORAN SUMBER DAN PENYALURAN DANA ZAKAT

Statements of Source and Use of Fund of Zakat
Uraian 31 Desember 2021 31 Desember 2020

Description December 31 2021 December 31 2020
A. Sumber dan Penyaluran Dana Zakat Source and Use of Fund of Zakat
1. Penerimaan dana zakat yang berasal dari: Zakat funds from:
a. Internal UUS Internal of Sharia Business Unit - -
b. Eksternal UUS External of Sharia Business Unit 146 54
Total Penerimaan Total Funds Received 146 54
2. Penyaluran dana zakat kepada entitas pengelola zakat: Distribution of zakat funds:
a. Lembaga amil zakat Amil zakat institution - -
b. Badan amil zakat Amil zakat board 146 54
Total Penyaluran Total Distribution 146 54
B. Sumber dan Penyaluran Dana Wakaf Source and Distribution of Waqf Funds
1. Penerimaan dana zakat yang berasal dari: Waqf funds from:
a. Internal UUS Internal of Sharia Business Unit - -
b. Eksternal UUS External of Sharia Business Unit - 6.507
Total Penerimaan Total Funds Received - 6.507
2. Penyaluran dana wakaf kepada entitas pengelola wakaf: Distribution of waqf funds to waqf management entities:
a. Badan Wakaf Indonesia Indonesian Waqf Board - 6.507
b. Nadzir Lain Other Nadzir - -
c. Lain-lain Others - -
Total Penyaluran Total Distribution - 6.507
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LAPORAN SUMBER DAN PENGGUNAAN DANA KEBAJIKAN

Report on the Sources and Uses of Qardhul Hasan Funds
Uraian 31 Desember 2021 31 Desember 2020

Description December 31 2021 December 31 2020
1. Saldo awal dana kebajikan Beginning balance of Qardhul Hasan 196 5.957
2. Penerimaan dana kebajikan Qardhul Hasan funds received from
a. Infak dan sedekah Infaq and Shodaqoh 78 87
b. Pengembalian dana kebajikan produktif Repayment of productive

- -
Qardhul Hasan funds
c. Denda Fine 1.840 1.521
d. Penerimaan non-halal Non-halal income - -
e. Lainnya Others - -
Total Penerimaan Total Funds Received 1.918 1.608
3. Penggunaan dana kebajikan Use of Qardhul Hasan funds
a. Dana kebajikan produktif Productive Qardhul Hasan funds 235 6.816
b. Sumbangan Donation 690 553
c. Penggunaan lainnya untuk kepentingan umum Other use for

313 -
public interests
Total Penggunaan Total Use of Funds 1.238 7.369
4. Kenaikan/penurunan dana kebajikan Increase/decrease in Qardhul

680 (5.761)
Hasan funds
5. Saldo akhir dana kebajikan Ending balance of Qardhul Hasan funds 876 196
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LAPORAN KOMITMEN KONTIJENSI

Contingency Commitment Report
Pos-pos 31 Desember 2021 31 Desember 2020

Posts December 31 2021 December 31 2020
I. TAGIHAN KOMITMEN COMMITMENT BILLS
1. Fasilitas pembiayaan yang belum ditarik Undisbursed financing

- -
facilities
2. Posisi valas yang akan diterima dari transaksi spot dan forward
Foreign currency positions to be received from spot and forward - -
transactions
3. Lainnya Others - -
II. KEWAJIBAN KOMITMEN COMMITMENT LIABILITIES
1. Fasilitas Pembiayaan kepada nasabah yang belum ditarik Funding

- -
facilities for customers that have not been withdrawn
2. Posisi valas yang akan diserahkan untuk transaksi spot dan forward
Foreign currency positions to be submitted for spot and forward - -
transactions
III. TAGIHAN KONTINJENSI CONTINGENCY BILLS
1. Garansi yang diterima Guarantee received - -
2. Pendapatan dalam penyelesaian Income in progress 1.125 2.546
IV. KEWAJIBAN KONTINJENSI CONTINGENT LIABILITIES
1. Garansi yang diterima Guarantee received - -
TRANSPARANSI KONDISI KEUANGAN DAN NON- TRANPARENCY OF FINANCIAL AND NON-

KEUANGAN FINANCIAL CONDITIONS
UUS Unit Usaha Syariah (UUS) Bank Sinarmas The Sharia Business Unit (UUS) of Bank Sinarmas has
telah menyajikan dan mempublikasikan laporan presented and published the financial reports on the
keuangan pada situs web Bank, surat kabar, dan telah Bank’s website, newspapers, and has submitted it to
menyampaikan kepada Otoritas Jasa Keuangan. Lapor the Financial Services Authority. Quarterly Published
Keuangan Publikasi Triwulanan, yang dipublikasikan Financial Report, which is published on the Bank’s
dalam situs web Bank dan disampaikan kepada website and submitted to the Financial Services
Otoritas Jasa Keuangan. UUS Bank Sinarmas Authority. The Sharia Business Unit of Bank Sinarmas
telah menyajikan dan mempublikasikan informasi has presented and published information regarding
mengenai berbagai peristiwa dan kegiatan Bank various events and activities of the Bank on the Bank’s
pada situs web Bank. website.
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KOMITE-KOMITE DI BAWAH COMMITTESS UNDER THE BOARD

DEWAN KOMISARIS OF COMMISSIONERS
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the
Dewan Komisaris Bank Sinarmas dibantu oleh Board of Commissioners of Bank Sinarmas is assisted
4 (empat) komite, yaitu Komite Audit, Komite by 4 (four) committees, namely the Audit Committee,
Pemantau Risiko, Komite Remunerasi dan Nominasi Risk Monitoring Committee, Remuneration and
dan Komite Tata Kelola Terintegrasi. Masing-masing Nomination Committee and the Integrated
komite bertanggung jawab untuk melakukan kajian Governance Committee. Each committee is responsible
dan pengawasan berdasarkan tugas dan tanggung for conducting studies and supervision based on the
jawab yang telah ditetapkan di dalam Pedoman dan duties and responsibilities that have been set out in
Tata Tertib Kerja masing-masing komite. the Guidelines and Work Rules of each committee.
Komite-komite di bawah
Dewan Komisaris
Committees Under the Board
of Commissioners
Komite Remunerasi & Komite Tata Kelola

Komite Pemantau Risiko
Komite Audit Nominasi Terintegrasi
Risk Monitoring
Audit Commitee Remuneration & Integrated Governance
Committee
Nomination Committee Committee
KOMITE AUDIT AUDIT COMMITEE
Komite Audit adalah komite yang dibentuk oleh dan The Audit Committee is a committee formed by and
bertanggung jawab kepada Dewan Komisaris dalam responsible to the Board of Commissioners in assisting
membantu melaksanakan tugas dan fungsi Dewan in carrying out the duties and functions of the Board
Komisaris. of Commissioners.
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Dasar Hukum Legal Basis

Pembentukan Komite Audit memiliki dasar hukum The establishment of the Audit Committee has a
Undang-Undang, Peraturan Otoritas Jasa Keuangan legal basis for the Act, the Financial Services Authority
(POJK), Surat Edaran Otoritas Jasa Keuangan (SEOJK), Regulation (POJK), the Financial Services Authority
yaitu: Circular Letter (SEOJK), namely:
1. Undang-Undang No. 40 tahun 2007 tentang 1. Law No. 40 of 2007 on Limited Liability Companies.
Perseroan Terbatas.
2. Anggaran Dasar PT. Bank Sinarmas Tbk. 2. Articles of Association of PT. Bank Sinarmas Tbk.
3. POJK No.33/POJK.04/2014 tanggal 8 Desember 3. Financial Services Authority Regulation No. 33/
2014 tentang Direksi dan Dewan Komisaris POJK.04/2014 dated 8 December 2014 on the
Emiten atau Perusahaan Publik. Board of Directors and Board of Commissioners
of Issuers or Public Companies.
4. POJK No.55/POJK.04/2015 tanggal 23 4. Financial Services Authority Regulation No.
Desember 2015 tentang Pembentukan dan 55/POJK.04/2015 dated 23 December 2015 on
Pedoman Pelaksanaan Kerja Komite Audit. the Establishment and Work Implementation
Guidelines of the Audit Committee.
5. POJK No.55/POJK.03/2016 tanggal 7 Desember 5. Financial Services Authority Regulation (POJK) No.
2016 tentang Penerapan Tata Kelola Bagi Bank 55/ POJK.03/2016 dated 7 December 2016 on the
Umum. Implementation of Governance for Commercial
Banks.
6. SEOJK No.13/SEOJK.03/2017 tanggal 17 Maret 2017 6. Circular Letter of the Financial Services Authority
tentang Penerapan Tata Kelola Bagi Bank Umum. No. 13/ SEOJK.03/2017 dated 17 Marct 2017 on the
Implementation of Governance for Commercial
Banks.
7. POJK No.13/POJK.03/2017 tanggal 27 Maret 2017 7. Financial Services Authority Regulation (POJK) No.
tentang Penggunaan Jasa Akuntan Publik dan 13/ POJK.03/2017 dated 27 Maret 2017 on the Use
Kantor Akuntan Publik dalam Kegiatan Jasa of of Public Accountant and Public Accounting
Keuangan. Office Services in Financial Service Activities.
8. POJK No.1/POJK.03/2019 tanggal 28 Januari 2019 8. Financial Services Authority Regulation (POJK)
tentang Penerapan Fungsi Audit Intern pada No. 1/ POJK.03/2019 dated 28 January 2019 on the
Bank Umum. Implementation of the Internal Audit Function in
Commercial Banks.
Pengangkatan dan Pemberhentian Appointment and Dismissal

Anggota Komite Audit diangkat dan diberhentikan Members of the Audit Committee are appointed and
oleh Dewan Komisaris. Anggota Komite Audit dapat dismissed by the Board of Commissioners. Members
diberhentikan apabila yang bersangkutan berakhir of the Audit Committee can be dismissed if their term
masa jabatan keanggotaannya dan berdasarkan of membership ends and based on the decision of the
keputusan Dewan Komisaris, serta diberhentikan Board of Commissioners, as well as dismissed for not
karena tidak memenuhi kinerja yang telah ditetapkan fulfilling the set performance and/or is incompetent
dan/atau tidak kompeten dalam menjalankan in carrying out his/her duties.
tugasnya.
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Struktur dan Susunan Anggota Komite Audit Structure and Membership Composition of the
Audit Committee
Anggota Komite Audit Bank terdiri dari seorang Members of the Bank’s Audit Committee consist of
Komisaris Independen dan dari Pihak Independen an Independent Commissioner and an Independent
yang memiliki keahlian di bidang keuangan atau Party with expertise in finance or accounting and an
akuntansi dan seorang dari Pihak Independen yang Independent Party with expertise in law or banking.
memiliki keahlian di bidang hukum atau perbankan.
Pada tahun 2021, Bank Sinarmas melakukan In 2021, Bank Sinarmas make changes to the
perubahan komposisi sesuai ketentuan masa composition according to the terms of service of the
tugas komite audit yang tercantum pada Piagam audit committee as stated in the Audit Committee
Komite Audit 3.0. Perubahan keanggotaan komite Charter 3.0. This change in audit committee
audit ini ditetapkan berdasarkan Surat Keputusan membership was determined based on the Decree
Nomor SK.084/2021/PRESDIR tentang Susunan Number SK.084/2021/PRESDIR concerning the
Anggota Komite Audit PT. Bank Sinarmas Tbk., yang composition of the members of the audit committee
dikeluarkan pada 1 Oktober 2021. of PT. Bank Sinarmas Tbk., issued on October 1, 2021.
KOMPOSISI KOMITE AUDIT TAHUN 2021

2021 Composition of the Audit Commitee
1 Januari – 30 September 2021 Periode 1 Oktober – 31 Desember 2021

1 January – 30 September 2021 Period 1 October – 31 December 2021
Surat Keputusan Nomor SK.072/2020/PRESDIR Surat Keputusan Nomor SK.084/2021/PRESDIR

tentang Susunan Anggota Komite Audit PT. Bank tentang Susunan Anggota Komite Audit PT.
Sinarmas Tbk., yang dikeluarkan pada 26 Oktober Dasar Bank Sinarmas Tbk., yang dikeluarkan pada 1
2020 Penetapan Oktober 2021
Decree Number SK.072/2020/PRESDIR regarding Basis of Decree Number SK.084/2021/PRESDIR
the composition of the members of the Audit Appointment concerning the composition of the members of
Committee of PT. Bank Sinarmas Tbk., issued on 26 the Audit Committee of PT. Bank Sinarmas Tbk.,
October 2020 issued on October 1, 2021
Nama Keahlian Nama Keahlian

Jabatan
Name Expertise Name Expertise
Rusmin Perbankan Ketua Sammy Kristamuljana Ekonomi,

(Komisaris Independen) Ekonomi Chairman (Komisaris Independen) Akuntansi,
(Independent Banking Economic (Independent Manajemen
Commissioner) Commissioner) Economic,
Accountancy,
Management
Ketut Sanjaya Perbankan Anggota (Pihak Robert A Simanjuntak Ekonomi,

(Pihak Independen) Banking Independen) (Pihak Independen) Keuangan
(Independent Party) Member (Independent Party) Economic,
(Independent Finnance
Party)
Rusli Prakarsa Perbankan Anggota (Pihak Reynold M Batubara Ekonomi,

(Pihak Independen) Ekonomi Independen) (Pihak Independen) Keuangan,
(Independent Party) Banking Economic Member (Independent Party) Perbankan
(Independent Economic,
Party) Finnance,
Banking
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Profil Anggota Komite Audit Profile of Members of the Audit Committee

Ketua komite audit merupakan anggota Dewan The profiles of members of the Audit Committee are
Komisaris, dengan profil Beliau telah disampaikan presented in the “Company Profile” chapter contained
dalam bab “Profil Perusahaan” pada Laporan Tahunan in this Annual Report.
ini.
Profil anggota yang merupakan Pihak Independen The profiles of members who are Independent Parties
disampaikan dalam tabel berikut: are presented in the following table:
PROFIL ANGGOTA KOMITE AUDIT 1 JANUARI – 30 SEPTEMBER 2021

Profile of Audit Committee Members 1 January – 30 September 2021
Nama Ketut Sanjaya

Name

Citizenship
Domisili Jakarta
Domicile
Usia 70 tahun
Age 70 years
Riwayat Jabatan Diangkat sebagai anggota Komite Audit berdasarkan Surat Keputusan Nomor SK.072/2020/PRESDIR
dan Dasar Hukum tentang Susunan Anggota Komite Audit PT. Bank Sinarmas Tbk., yang dikeluarkan pada 26 Oktober
Pengangkatan 2020.
Position History Keputusan tersebut didasarkan pada risalah rapat Dewan Komisaris Nomor RR. No. 008/2020/
and Legal Basis PRESKOM tanggal 26 Oktober 2020 terkait Penegasan Susunan Anggota Komite Audit
Appointment Appointed as a member of the Audit Committee based on Decree Number SK.072/2020/PRESDIR
regarding the composition of the members of the Audit Committee of PT. Bank Sinarmas Tbk.,
which was issued on October 26, 2020.
The decision is based on the minutes of the meeting of the Board of Commissioners Number RR.
No. 008/2020/PRESKOM dated October 26, 2020 regarding the Affirmation of the Membership of
the Audit Committee
Rangkap Jabatan Merangkap sebagai:

Concurrent Position • Anggota Komite Pemantau Risiko PT. Bank Sinarmas Tbk.
• Komisaris independen merangkap sebagai ketua komite audit di PT. Golden Energy Mines Tbk
• Anggota komite audit di PT Smart Tbk
• Member of the Risk Monitoring Committee of PT. Bank Sinarmas Tbk.
• Independent commissioner who also serves as chairman of the audit committee at PT. Golden
Energy Mines Tbk
• Member of the audit committee at PT Smart Tbk
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Riwayat Pendidikan • Sarjana Teknik, Universitas Padjadjaran, Bandung, 1977

Educational • Master of Management, ADL Management Education Institute, Boston, USA, 1984
Background • Bachelor of Engineering, Padjadjaran University, Bandung, 1977
• Master of Management, ADL Management Education Institute, Boston, USA, 1984
Riwayat Pekerjaan • Komisaris, PT Bank Barclays Indonesia, 2009-2011

Work Experience • Peneliti Senior Perbankan, Bank Indonesia, 2008-2009
• Direktur Pengawasan Bank, Bank Indonesia, 2007-2008
• Pemimpin Bank Indonesia cabang Denpasar, 2004-2007
• Pengawas Bank, Bank Indonesia, 1994-2004
• Pemeriksa Bank, Bank Indonesia, 1985-1994
• Analis Kredit, Bank Indonesia, 1979-1983
• Commissioner, PT Bank Barclays Indonesia, 2009-2011
• Senior Banking Researcher, Bank Indonesia, 2008-2009
• Director of Bank Supervision, Bank Indonesia, 2007-2008
• Head of Bank Indonesia Denpasar branch, 2004-2007
• Bank Supervisor, Bank Indonesia, 1994-2004
• Bank Examiner, Bank Indonesia, 1985-1994
• Credit Analyst, Bank Indonesia, 1979-1983
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang
Affiliation Relationship Saham Pengendali.
Shareholders.
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Nama Rusli Prakarsa

Name

Citizenship
Domisili Jakarta
Domicile
Usia 80 tahun
Age 80 years old
dan Dasar Hukum tentang Susunan Anggota
Pengangkatan Komite Audit PT. Bank Sinarmas Tbk., yang dikeluarkan pada 26 Oktober 2020.
Position History Keputusan tersebut didasarkan pada risalah rapat Dewan Komisaris Nomor RR. No. 008/2020/
and Legal Basis PRESKOM tanggal 26 Oktober 2020 terkait Penegasan Susunan Anggota Komite Audit
Appointment Appointed as a member of the Audit Committee based on Decree Number SK.072/2020/
PRESDIR concerning Membership
Audit Committee of PT. Bank Sinarmas Tbk., which was issued on October 26, 2020.
the Audit Committee

Concurrent Position • Anggota Komite Audit PT Bumi Serpong Damai
• Anggota Komite Audit PT Duta Pertiwi Tbk
• Anggota Komite Pemantau Risiko PT. Bank Sinarmas Tbk.
• Member of the Audit Committee of PT Bumi Serpong Damai
• Member of the Audit Committee of PT Duta Pertiwi Tbk
• Member of the Risk Monitoring Committee of PT. Bank Sinarmas Tbk.
Riwayat Pendidikan Sarjana Ekonomi Universitas Sumatera Utara, 1969

Educational Bachelor of Economics, University of North Sumatra, 1969
Background
Riwayat Pekerjaan • Anggota Komite Audit PT Bumi Serpong Damai Tbk, 2015-sekarang
Work Experience • Anggota Komite Audit PT Duta Pertiwi Tbk, 2015-sekarang
• Wakil Presiden Komisaris, PT Bank Panin, 1975 -2000
• Presiden Komisaris dan Ketua Tim Pengelola, PT Bank Internasional Indonesia, 2000-2002
• Anggota Komite Audit, PT SMART Tbk, 2002-2010
• Anggota Komite Audit PT Indah Kiat Pulp & Paper Tbk, 2002-2013
• Anggota Komite Audit, PT Lontar Papyrus Pulp and Paper Industry, 2013-Agustus 2015
• Member of the Audit Committee of PT Bumi Serpong Damai Tbk, 2015-present
• Member of the Audit Committee of PT Duta Pertiwi Tbk, 2015-present
• Vice President Commissioner, PT Bank Panin, 1975 -2000
• President Commissioner and Chairman of the Management Team, PT Bank Internasional
• Member of the Audit Committee, PT SMART Tbk, 2002-2010
• Member of the Audit Committee of PT Indah Kiat Pulp & Paper Tbk, 2002-2013
• Member of the Audit Committee, PT Lontar Papyrus Pulp and Paper Industry, 2013-August 2015
Shareholders.
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Profil Anggota Komite Audit 1 Oktober – 31 Desember 2021

Profile of Audit Committee Members 1 October – 31 December 2021
Nama Robert A. Simanjuntak

Name

Citizenship
Domisili Jakarta
Domicile
Usia 59 tahun
Age 59 years old
Pengangkatan 2021.
Position History Appointed as a member of the Audit Committee based on the Decree Number SK.084/2021/PRESDIR
and Legal Basis concerning the composition of the members of the Audit Committee of PT. Bank Sinarmas Tbk., issued
Appointment on October 1, 2021.

Concurrent Position • Komisaris Independen dan Ketua Komite Audit PT Dian Swastatika Sentosa Tbk (sejak 2019)
• Anggota Komite Audit PT. Sinar Mas Agro Resources and Technology Tbk. (2020-2025)
• Staf Khusus Menteri Riset Teknologi dan Pendidikan/ BRIN bidang Ekonomi Inovasi (2014-
2020)
• Wakil Ketua Dewan Pembina, Komite Pemantauan Pelaksanaan Otonomi Daerah (KPPOD)
(sejak 2009)
• Guru Besar Ilmu Ekonomi Keuangan Negara, Fakultas Ekonomi, Universitas Indonesia (sejak
2008)
• Independent Commissioner and Chairman of the Audit Committee of PT Dian Swastatica
Sentosa Tbk (since 2019)
• Member of the Audit Committee of PT. Sinar Mas Agro Resources and Technology Tbk. (2020-
2025)
• Special Staff of the Minister of Research, Technology and Education / BRIN in the field of
Innovation Economics (2014-2020)
• Deputy Chairperson of the Board of Trustees, Regional Autonomy Implementation Monitoring
Committee (KPPOD) (since 2009)
• Professor of State Finance Economics, Faculty of Economics, University of Indonesia (since
2008)
Riwayat Pendidikan • Ph.D., Economics, University of Birmingham, UK (1998)

Educational • M.Sc, Economics, University of Birmingham, UK (1988)
Background • Sarjana Ekonomi, Universitas Indonesia, Jakarta (1986)
• Ph.D., Economics, University of Birmingham, UK (1998)
• M.Sc, Economics, University of Birmingham, UK (1988)
• Bachelor of Economics, University of Indonesia, Jakarta (1986)
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Riwayat Pekerjaan • Komisaris PT Antam Tbk (2014-2019)

Work Experience • Staf Khusus Menteri Keuangan Bidang Perumusan Kebijakan Fiskal Republik Indonesia (2014-
2019)
• Komisaris PT Perkebunan Nusantara (PTPN) VII (2013- 2014)
• Komisaris Independen PT Asuransi Tugu Pratama Indonesia Tbk (2010-2012)
• Ketua Tim Asistensi Menteri Keuangan Bidang Desentralisasi Fiskal (TADF) Republik Indonesia
(2009- 2014)
• Ketua Departemen Ilmu Ekonomi – Fakultas Ekonomi Universitas Indonesia (2005-2009)
• Tenaga Ahli Panitia Anggaran Dewan Perwakilan Rakyat Republik Indonesia (2003-2004)
• Direktur Program Magister Perencanaan dan Kebijakan Publik (MPKP) Fakultas Ekonomi
Universitas Indonesia (1999-2005)
• Peneliti dan Konsultan Lembaga Penyelidikan Ekonomi dan Masyarakat (LPEM) Fakultas
Ekonomi Universitas Indonesia (1986-2005)
• Commissioner of PT Antam Tbk (2014-2019)
• Special Staff of the Minister of Finance for Fiscal Policy Formulation of the Republic of Indonesia
(2014-2019)
• Commissioner of PT Perkebunan Nusantara (PTPN) VII (2013-2014)
• Independent Commissioner of PT Asuransi Tugu Pratama Indonesia Tbk (2010-2012)
• Head of the Assistant Team for the Minister of Finance for Fiscal Decentralization (TADF) of the
Republic of Indonesia (2009-2014)
• Head of the Department of Economics – Faculty of Economics, University of Indonesia (2005-
2009)
• Experts on the Budget Committee of the House of Representatives of the Republic of Indonesia
(2003-2004)
• Director of the Masters Program in Planning and Public Policy (MPKP) Faculty of Economics,
University of Indonesia (1999-2005)
• Researcher and Consultant to the Institute for Economic and Community Research (LPEM)
Faculty of Economics, University of Indonesia (1986-2005)
Shareholders.
Nama Reynold M. Batubara

Name

Citizenship
Domisili Jakarta
Domicile
Usia 66 tahun
Age 66 years old
Pengangkatan 2021.
Position History Appointed as a member of the Audit Committee based on the Decree Number SK.084/2021/PRESDIR
and Legal Basis concerning the composition of the members of the Audit Committee of PT. Bank Sinarmas Tbk.,
Appointment issued on October 1, 2021.
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Concurrent Position • Anggota Komite Audit PT ATLAS Resources Tbk (April 2012–sekarang)
• Anggota komite Pemantau Risiko PT Elnusa Tbk (Februari 2020 – sekarang)
• Komisaris PT. Paramitra Alfa Sekuritas (Desember 2009 – sekarang)
• Anggota komite audit PT Asuransi Etiqa International (Oktober 2019 – sekarang
• Member of the Audit Committee of PT ATLAS Resources Tbk (April 2012–present)
• Member of the Risk Monitoring Committee of PT Elnusa Tbk (February 2020 – present)
• Commissioner of PT. Paramitra Alfa Sekuritas (December 2009 – present)
• Member of the audit committee of PT Asuransi Etiqa International (October 2019 – present
Riwayat Pendidikan • Sarjana Ekonomi (S.E) di bidang Akuntansi dari Universitas Indonesia (1983)
Educational • Sertifikasi Audit Internal dari The Institute of Internal Auditor Indonesia (IIA)
Background • Sertifikasi Penilaian Mutu dari The Institute of Internal Auditor Indonesia (IIA).
• Bachelor of Economics (S.E) in Accounting from the University of Indonesia (1983)
• Internal Audit Certification from The Institute of Internal Auditor Indonesia (IIA)
• Quality Assessment Certification from The Institute of Internal Auditor Indonesia (IIA).
Riwayat Pekerjaan • Head of Internal Audit Standard Chartered Bank (Februari 1993- Agustus 1994)
Work Experience • Country Head Group Audit ABN AMRO Bank NV Indonesia (September 1994 – Desember 2006)
• Anggota Komite Tata Kelola Terintegrasi (Integrated Corporate Governance) PT Bank BNP
Paribas Indonesia (Mei 2016- Februari 2021)
• Anggota Komite Audit dan Management Risiko PT Maybank Syariah Indonesia (Agustus 2008 –
Desember 2019) dan
• Anggota Komite Audit dan Management Risiko PT Bank Net Indonesia Syariah (Januari 2020 –
Juni 2021).
• Komisaris PT. Smartfren Telecom Tbk. (Oktober 2019-Juni 2021)
• Anggota komite audit PT Elnusa Tbk (September 2013 – 2020)
• Anggota komite audit PT Chandra Asri Tbk (September 2015 – Juni 2021)
• Head of Internal Audit of Standard Chartered Bank (February 1993-August 1994)
• Country Head Group Audit ABN AMRO Bank NV Indonesia (September 1994 – December 2006)
• Member of the Integrated Corporate Governance Committee of PT Bank BNP Paribas Indonesia
(May 2016-February 2021)
• Member of the Audit and Risk Management Committee of PT Maybank Syariah Indonesia
(August 2008 – December 2019) and
• Member of the Audit and Risk Management Committee of PT Bank Net Indonesia Syariah
(January 2020 – June 2021).
• Commissioner of PT. Smartfren Telecom Tbk. (October 2019-June 2021)
• Member of the audit committee of PT Elnusa Tbk (September 2013 – 2020)
• Member of the audit committee of PT Chandra Asri Tbk (September 2015 – June 2021)
Shareholders.
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Independensi Komite Audit Independency of the Audit Committee

Komite Audit bertindak secara independen, serta the Audit Committee acts independently, and does
tidak menerima/melakukan intervensi dari/kepada not accept/intervene from/to other parties. Members
pihak lain dalam menjalankan tugas dan tanggung of the Audit Committee may not have financial or
jawabnya. Anggota Komite Audit tidak boleh memiliki family relationships with the Shareholders, Board of
hubungan keuangan maupun hubungan keluarga Commissioners, and Board of Directors. In addition,
dengan Pemegang Saham, Dewan Komisaris, dan members of the Audit Committee who come from
Direksi. Selain itu, anggota Komite Audit yang berasal outside the Bank may not have personal interests
dari luar Bank tidak boleh memiliki kepentingan serta and relationships that have the potential to create a
keterkaitan yang bersifat pribadi yang berpotensi conflict of interest with the Bank.
menimbulkan benturan kepentingan (conflict of
interest) dengan Bank.
PERNYATAAN INDEPENDENSI KOMITE AUDIT

Independency Statement of the Audit Committee
1 Januari – 30 September 2021 1 Oktober – 31 Desember 2021

1 January – 30 September 2021 1 October – 31 December 2001
Aspek Independensi
Independency Aspect
Ketut Rusli Sammy Robert A. Reynold M.
Rusmin
Sanjaya Prakarsa Kristamuljana Simanjuntak Batubara
Tidak memiliki hubungan keuan-

gan dengan Dewan Komisaris
dan Direksi
√ √ √ √ √ √
Has no financial relationship with
Board of Commissioners and
Board of Directors
Tidak memiliki hubungan

kepemilikan saham di perusa-
haan √ √ √ √ √ √
Has no share ownership of the
company
Tidak memiliki hubungan ke-

pengurusan di perusahaan, anak
perusahaan serta perusahaan
afiliasi √ √ √ √ √ √
Has no management relation-
ship within the company, subsid-
iaries and affiliated companies
Tidak memiliki hubungan kelu-

arga dengan Dewan Komisaris,
Direksi, dan/atau anggota Komite
Audit
√ √ √ √ √ √
Has no familial relationship with
Board of Commissioners, Board
of Directors, and/or members of
the Audit Committee
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Tidak menjabat sebagai

pengurus partai politik, pejabat
dan pemerintah
√ √ √ √ √ √
Not serving as administrator
of political parties, officials and
government
Piagam Komite Audit Audit Committee Charter

Komite Audit Bank Sinarmas telah memiliki Piagam The Audit Committee of Bank Sinarmas already
Komite Audit Rev 3.0 yang ditandatangani Dewan has the Audit Committee Charter Rev 3.0 which
Komisaris tanggal 25 April 2019 sebagai pedoman was signed by the Board of Commissioners on April
untuk menjalankan tugas dan tanggung jawab 25, 2019 as a guideline for carrying out duties and
terkait pengendalian dan pengkajian terhadap responsibilities related to controlling and reviewing
organisasi internal Bank. Piagam Komite Audit the Bank’s internal organization. The Audit Committee
disusun berdasarkan peraturan dan undang-undang Charter is prepared based on the applicable laws and
yang berlaku, senantiasa ditinjau ulang secara berkala, regulations, is reviewed periodically, and contains the
serta memuat hal-hal sebagai berikut: following:
1. Pembentukan 1. Establishment
2. Dasar Hukum 2. Legal Basis
3. Susunan dan Syarat Anggota 3. Membership Composition and Requirements
4. Pengangkatan atau Pemberhentian 4. Appointment and Dismissal
5. Tugas dan Tanggung Jawab 5. Duties and Responsibilities
6. Wewenang 6. Authorities
7. Masa Tugas 7. Term of Office
8. Kode Etik 8. Code of Ethics
9. Tata Cara dan Prosedur Kerja 9. Work Procedures
10. Ketentuan Rapat 10. Meeting Provisions
11. Pelaporan 11. Reporting
12. Masa Berlaku Piagam 12. Validity of Charter
13. Penanganan dan Pengaduan pada Pelaporan 13. Handling and Complaints on Financial
Keuangan Reporting
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of theAudit Committee
Komite Audit bertanggung jawab kepada Dewan The Audit Committee is responsible to the Board of
Komisaris dalam hal pengendalian dan pengkajian Commissioners in terms of control and assessment
terhadap organisasi internal bank yang meliputi of the bank’s internal organization, which includes
akuntansi dan pelaporan keuangan serta proses accounting and financial reporting and internal and
audit internal dan eksternal, mengidentifikasi hal-hal external audit processes, identifying matters that
yang memerlukan perhatian Dewan Komisaris, serta require the attention of the Board of Commissioners,
memberikan rekomendasi kepada Dewan Komisaris. and providing recommendations to the Board of
Commissioners.
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Sebagaimana tertuang dalam Piagam Komite Audit, As stated in the Audit Committee Charter, the Audit
Komite Audit mengemban tugas dan tanggung Committee carries out the duties and responsibilities
jawab antara lain meliputi namun tidak terbatas pada: of the Audit Committee, including but not limited to:
1. Melakukan penelaahan atas informasi keuangan 1. Reviewing the financial information that will
yang akan dikeluarkan Bank kepada publik dan/ be issued by the Bank to the public and/or
atau pihak otoritas antara lain laporan keuangan, the authorities, including financial reports,
proyeksi, dan laporan lainnya terkait dengan projections, and other reports related to the
informasi keuangan Bank; Bank’s financial information;
2. Melakukan penelaahan atas ketaatan terhadap 2. Reviewing compliance with laws and regulations
peraturan perundang-undangan yang relating to the Bank’s activities;
berhubungan dengan kegiatan Bank;
3. Memberikan pendapat independen dalam hal 3. Provide independent opinion in the event of
terjadi perbedaan pendapat antara manajemen disagreements between management and the
dan Akuntan atas jasa yang diberikannya; Accountant for the services they provide;
4. Memberikan rekomendasi kepada Dewan 4. Provide recommendations to the Board of
Komisaris mengenai penunjukan Akuntan Publik Commissioners on the appointment of a Public
yang didasarkan kepada independensi, ruang Accountant based on independence, the scope of
lingkup penugasan, dan fee; assignment, and fees;
5. Melakukan pemantauan dan evaluasi paling 5. Monitor and evaluate at least the implementation
sedikit terhadap pelaksanaan tindak lanjut oleh of followup actions by the Board of Directors on
Direksi atas hasil temuan satuan kerja audit intern, the findings of the internal audit unit, public
akuntan publik, dan hasil pengawasan Otoritas accountants, and supervision results by the
Jasa Keuangan; Financial Services Authority;
6. Melakukan evaluasi terhadap pelaksanaan 6. Evaluate the implementation of audit services for
pemberian jasa audit atas informasi keuangan annual historical financial information by Public
historis tahunan oleh Akuntan Publik dan/atau Accountants and/or Public Accounting Office;
Kantor Akuntan Publik;
7. Melakukan penelaahan terhadap aktivitas 7. Reviewing the implementation of risk
pelaksanaan manajemen risiko yang dilakukan management activities carried out by the Board
oleh Direksi, jika Bank tidak memiliki fungsi of Directors, in the event that the Bank has no
pemantau risiko di bawah Dewan Komisaris; risk monitoring function under the Board of
Commissioners;
8. Komite Audit wajib melakukan pemantauan dan 8. The Audit Committee must monitor and evaluate
evaluasi atas perencanaan dan pelaksanaan audit the planning and implementation of audits and
serta pemantauan atas tindak lanjut hasil audit monitor the follow-up of audit results to assess
dalam rangka menilai kecukupan pengendalian the adequacy of internal controls, including the
intern, termasuk kecukupan proses pelaporan adequacy of the financial reporting process;
keuangan;
9. Komite Audit wajib melakukan pemantauan dan 9. The Audit Committee must monitor and evaluate
evaluasi paling sedikit terhadap: at least:
a. Pelaksanaan tugas Satuan Kerja Audit Intern; a. Implementation of duties of the Internal Audit
Unit;
b. Kesesuaian pelaksanaan audit oleh kantor b. Conformity of audit implementation by the
Akuntan Publik dengan standar audit; Public Accountant Office with audit standards;
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c. Kesesuaian laporan keuangan dengan standar c. Conformity of financial statements with

akuntansi keuangan; dan financial accounting standards; and
d. Pelaksanaan tindak lanjut Direksi atas hasil d. The follow-up of the Board of Directors on
temuan satuan kerja audit intern, akuntan findings of the internal audit unit, public
publik dan hasil pengawasan Otoritas Jasa accountants and the supervision results
Keuangan guna memberikan rekomendasi of the Financial Services Authority to
kepada Dewan Komisaris. provide recommendations to the Board of
Commissioners.
10. Memberikan rekomendasi terkait pengangkatan 10. Provide recommendations regarding the
dan pemberhentian Kepala SKAI; appointment and dismissal of the Head of the
IAU;
11. Memberikan rekomendasi terkait Piagam Audit 11. Provide recommendations on the Internal Audit
Intern; Charter;
12. Memantau dan mengkaji efektivitas pelaksanaan 12. Monitor and review the effectiveness of the Bank’s
audit intern Bank; internal audit;
13. Mengevaluasi kinerja SKAI; 13. Evaluating the performance of the IAU;
14. Memastikan SKAI melakukan komunikasi dengan 14. Ensure that the IAU communicates with the
Direksi, Dewan Komisaris, Dewan Pengawas Board of Directors, Board of Commissioners,
Syariah bagi bank umum syariah dan bank umum Sharia Supervisory Board for sharia commercial
konvensional yang memiliki unit usaha syariah, banks and conventional commercial banks that
auditor ekstern dan Otoritas Jasa Keuangan; have sharia business units, external auditors, and
the Financial Services Authority;
15. Memastikan SKAI bekerja secara independen; 15. Ensuring that the IAU works independent;
Komisaris terkait penyusunan rencana audit, Commissioners regarding the preparation of the
ruang lingkup, dan anggaran SKAI; audit plan, scope, and budget of the IAU;
17. Meninjau laporan audit dan memastikan Direksi 17. Review the audit report and ensure the Board of
mengambil tindakan perbaikan yang diperlukan Directors takes the required corrective measures
secara cepat untuk mengatasi kelemahan quickly to overcome weaknesses in control,
pengendalian, fraud, masalah kepatuhan fraud, compliance issues with policies, laws and
terhadap kebijakan, undang-undang dan regulations, or other issues identified and reported
peraturan atau masalah lain yang diidentifikasi by the IAU;
dan dilaporkan oleh SKAI;
18. Memberikan rekomendasi kepada Dewan 18. Providing recommendations to the Board
Komisaris terkait pemberian remunerasi tahunan of Commissioners regarding the annual IAU
SKAI secara keseluruhan serta penghargaan remuneration and performance awards;
kinerja;
19. Memastikan SKAI menjunjung tinggi integritas 19. Ensuring the IAU upholds integrity in carrying out
dalam pelaksanaan tugas; tasks;
20. Memberikan rekomendasi terkait penunjukan 20. Provide recommendations on the appointment
pengendali mutu independen dari pihak ekstern of independent quality controllers from external
dalam melakukan kaji ulang terhadap kinerja parties in conducting reviews on the performance
SKAI; of the IAU;
21. Melakukan penelaahan terhadap Laporan 21. Reviewing the implementation report and the
pelaksanaan dan pokok-pokok hasil audit intern; main results of internal audit;
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22. Menelaah laporan khusus mengenai setiap 22. Reviewing the special report on each internal
temuan audit intern yang diperkirakan dapat audit finding that is estimated to be detrimental
membahayakan kelangsungan usaha Bank; to the business continuity of the Bank;
23. Menelaah pengaduan yang berkaitan dengan 23. Reviewing complaints relating to the accounting
proses akuntansi dan pelaporan keuangan Bank; process and financial reporting of the Bank;
24. Menelaah dan memberikan saran kepada 24. Review and provide advice to the Board of
Dewan Komisaris terkait dengan adanya potensi Commissioners regarding the potential conflict of
benturan kepentingan Bank; interest of the Bank;
25. Menjaga kerahasiaan dokumen, data dan 25. Maintain the confidentiality of Bank documents,
informasi Bank. data, and information.
Wewenang Komite Audit Authority of the Audit Committee

Dalam melaksanakan tugasnya, Komite Audit In carrying out its duties, the Audit Committee has the
memiliki wewenang sebagai berikut: following authorities:
1. Mengakses dokumen, data, dan informasi Emiten 1. Accessing the documents, data, and information
atau Perusahaan Publik tentang karyawan, of the Issuer or Public Company regarding
dana, aset, dan sumber daya perusahaan yang employees, funds, assets, and company resources
diperlukan; as required;
2. Berkomunikasi langsung dengan karyawan, 2. Communicating directly with employees,
termasuk Direksi dan pihak yang menjalankan including the Board of Directors and parties
fungsi audit internal, manajemen risiko, dan who carry out the functions of internal audit, risk
Akuntan terkait tugas dan tanggung jawab management, and accountants regarding the
Komite Audit; duties and responsibilities of the Audit Committee;
3. Melibatkan pihak independen di luar anggota 3. Involving independent parties outside the Audit
Komite Audit yang diperlukan untuk membantu Committee members who are needed to assist in
pelaksanaan tugasnya (jika diperlukan) ; carrying out ist duties (if needed);
4. Melakukan kewenangan lain yang diberikan oleh 4. Performing other authorities granted by the Board
Dewan Komisaris. of Commissioners.
Rapat Komite Audit Audit Committee Meeting

Kebijakan Rapat Komite Audit Policy of Audit Committee Meeting
Komite Audit telah memiliki ketentuan tentang rapat, The Audit Committee has established provisions
seperti diuraikan berikut ini: regarding meetings, as described below:
• Rapat Komite Audit wajib diselenggarakan • Audit Committee meetings must be held
secara berkala paling sedikit 1 (satu) kali dalam periodically at least 1 (one) time in 3 (three)
3 (tiga) bulan; months;
• Rapat Komite Audit dihadiri oleh paling • Audit Committee Meetings are attended by at
sedikit 51% (lima puluh satu per seratus) dari least 51% (fiftyone percent) of the total members
jumlah anggota termasuk seorang Komisaris including an Independent Commissioner and
Independen dan Pihak Independen. Independent Party.
• Apabila dipandang perlu Komite Audit dapat • If deemed necessary, the Audit Committee can
mengundang unit kerja terkait dengan invite related work units to the knowledge of the
sepengetahuan Direktur yang membidangi. Director in charge.
• Rapat Komite Audit dipimpin oleh ketua komite. • Audit Committee meetings are led by the
chairman of the committee.
• Keputusan rapat komite dilakukan berdasarkan • Decisions of committee meetings are based on
musyawarah untuk mufakat. deliberation to reach consensus.
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• Dalam hal tidak terjadi musyawarah untuk • In the event that there is no deliberation to reach
mufakat, pengambilan keputusan dilakukan consensus, the decision is made based on the
berdasarkan suara terbanyak. majority vote.
• Setiap rapat Komite Audit dituangkan dalam • Each Audit Committee meeting is contained in
risalah rapat, termasuk apabila terdapat the minutes of the meetings, including in the
perbedaan pendapat, yang ditandatangani oleh event of dissenting opinions, which are signed by
seluruh anggota Komite Audit yang hadir dan all members of the Audit Committee present and
disampaikan kepada Dewan Komisaris; submitted to the Board of Commissioners;
• Hasil rapat komite wajib dituangkan dalam • The results of committee meetings must be
risalah rapat dan didokumentasikan sesuai stated in minutes of meetings and documented
peraturan perundang-undangan; in accordance with laws and regulations;
• Perbedaan pendapat (dissenting opinion) yang • Dissenting opinions that occur in a committee
terjadi dalam rapat komite wajib dicantumkan meeting must be clearly stated in the minutes
secara jelas dalam risalah rapat beserta of the meeting along with the reasons for the
alasan perbedaan pendapat tersebut dan dissent and signed by all members of the Audit
ditandatangani oleh seluruh anggota Komite Committee present and submitted to the Board
Audit yang hadir dan disampaikan kepada of Commissioners.
Dewan Komisaris.
Frekuensi dan Tingkat Kehadiran Rapat Komite Frequency and Attendance Rate of Audit Committee
Audit Meeting
Sepanjang tahun 2021, Komite Audit telah During 2021, the Audit Committee held meetings,
melaksanakan rapat, dengan tingkat kehadiran dan with attendance rate and meeting agenda as shown
agenda rapat disampaikan dalam tabel berikut: in the following table:
TINGKAT KEHADIRAN RAPAT KOMITE AUDIT

Attendance Rate of Audit Committee Meeting
Per 1 Januari – 30 September 2021 Per 1 Oktober – 31 Desember 2021

Per 1 January – 30 September 2021 Per 1 October – 31 December 2021
Jumlah Tingkat Jumlah Tingkat

Nama Kehadiran Kehadiran Nama Kehadiran Kehadiran
Name Number of Attendance Name Number of Attendance
Attendance Rate Attendance Rate
Rusmin 6 100% Sammy Kristamuljana 3 100%
Ketut Sanjaya 6 100% Robert A Simanjuntak 3 100%
Rusli Prakarsa 6 100% Reynold M Batubara 3 100%
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AGENDA RAPAT KOMITE AUDIT

Agenda of Audit Committee Meeting
Tanggal Agenda
No
Date Agenda
1 27/1/2021 1. Tindak Lanjut Hasil Meeting Komite Audit 27 Oktober 2020

2. Hasil Pemeriksaan SKAI Triwulan IV/2020 (Oktober – Desember 2020)
3. Overview 6 Debitur Korporasi
4. Program Kerja Komite Audit tahun 2021
5. Evaluasi Program Kerja SKAI
6. Lainnya
1. Follow-up on the Results of the Audit Committee Meeting 27 October 2020
2. SKAI Examination Results Quarter IV/2020 (October – December 2020)
3. Overview of 6 Corporate Debtors
4. Audit Committee Work Program 2021
5. Evaluation of SKAI’s Work Program
6. Others
2 16/3/2021 1. Progress Audit atas Laporan Keuangan per 31 Desember 2020

1. Progress of Audit of Financial Statements as of December 31, 2020
3 27/4/2021 1. Perubahan Struktur Organisasi SKAI

2. Rekomendasi SKAI atas Kebijakan Prosedur Bank dan Inisiatif Perbaikan Proses
3. Overview Debitur Korporasi
4. Hasil Pemeriksaan SKAI Triwulan I/2021 (Januari-Maret 2021)
5. Tindak Lanjut Hasil Meeting Komite Audit 27 Januari 2021
1. Changes in SKAI Organizational Structure
2. SKAI’s recommendations on Bank Procedure Policies and Process Improvement Initiatives
3. Overview of Corporate Debtors
4. SKAI Examination Results Quarter I/2021 (January-March 2021)
5. Follow-up on the Results of the Audit Committee Meeting 27 January 2021
4 14/6/2021 1. Evaluasi Penggunaan Jasa Akuntan Publik dan/atau Kantor Akuntan Publik untuk Audit Tahunan
Posisi 31 Desember 2020
2. Penunjukkan Akuntan Publik dan/atau Kantor Akuntan Publik untuk Audit Tahunan Posisi 31
Desember 2021
3. Remunerasi tahunan Kepala SKAI
1. Evaluation of the Use of Public Accountants and/or Public Accounting Firms for the Annual Audit
of December 31, 2020
2. Appointment of a Public Accountant and/or Public Accounting Firm for the Annual Audit
December 31, 2021
3. Annual remuneration of the Head of SKAI
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5 24/6/2021 1. Perubahan Rencana Kerja SKAI Tahun 2021 – Semester II

1. Changes in the SKAI Work Plan 2021 – Semester II
6 27/7/2021 1. Tindak lanjut Hasil Meeting Komite Audit 27 April 2021

3. Hasil Pemeriksaan SKAI Triwulan II/2021 (April – Juni 2021)
1. Follow up on the results of the Audit Committee Meeting 27 April 2021
3. SKAI Examination Results Quarter II/2021 (April – June 2021)
7 29/10/2021 1. Rencana Audit Laporan Keuangan PT. Bank Sinarmas Tbk. tahun 2021
1. Financial Statement Audit Plan of PT. Bank Sinarmas Tbk. tahun 2021
8 29/10/2021 1 . Struktur Organisasi SKAI

2. Status Pemeriksaan Triwulan I/2021 – Triwulan III/2021 (Januari-September 2021)
3. Hasil Pemeriksaan SKAI Triwulan II/2021 (April – Juni 2021)
5. Pemeriksaan Program KUR
6. Progress Tindak lanjut Hasil Temuan SKAI (Overdue Finding)
7. Rekomendasi Komite Audit kepada SKAI
1. SKAI Organizational Structure
2. Examination Status for Quarter I/2021 – Quarter III/2021 (January-September 2021)
3. SKAI Examination Results Quarter II/2021 (April – June 2021)
5. KUR Program Examination
6. Progress of Follow-up on SKAI Findings (Overdue Finding)
7. Recommendation of the Audit Committee to SKAI
9 30/11/2021 1. Audit Plan 2022

2. Product Governance
3. Rekomendasi Komite Audit atas Audit Plan tahun 2022
1. Audit Plan 2022
2. Product Governance
3. Recommendation of the Audit Committee on the 2022 Audit Plan
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Laporan Pelaksanaan Tugas Komite Audit Duty Implementation Report of the Audit
Committee
Komite audit telah menyelenggarakan rapat dan The audit committee has held meetings and
melaksanakan program-program komite sepanjang implemented committee programs throughout 2021
tahun 2021 sebagai berikut: as follows:
1. Melakukan pertemuan dengan Akuntan Publik 1. Conducted meetings with the Public
guna pembahasan temuan-temuan Akuntan Accountant to discuss the findings of the
Publik dalam pelaksanaan audit tahun 2020. Public Accountant in the implementation of
the audit in 2020.
2. Melakukan evaluasi terhadap kinerja Kantor 2. Evaluated the performance of the Public
Akuntan Publik (KAP) atas audit tahun 2020 Accounting Office (KAP) for the 2020 audit.
3. Memberi Rekomendasi Penunjukan KAP untuk 3. Provide recommendation for the appointment
audit tahun buku 2021. of KAP for audit in the 2021 fiscal year.
4. Melakukan pertemuan dengan Akuntan Publik 4. Conducted meetings with the Public
guna membahas sifat dan lingkup audit tahun Accountant to discuss the nature and scope
2021. of the 2021 audit.
5. Melakukan evaluasi terhadap program kerja SKAI 5. Conducted an evaluation on the 2021 IAU
tahun 2021. work program.
6. Mengadakan rapat-rapat membahas hasil 6. Hold meetings to discuss the results of the
pemeriksaan SKAI atas kantor-kantor cabang dan IAU audit on branch offices and work units in
unit kerja sebagaimana program kerja SKAI tahun accordance with the 2021 IAU work program.
2021.
7. Memberikan rekomendasi kepada manajemen 7. Provided recommendations to management
untuk menindaklanjuti hasil temuan SKAI. to follow up on the findings of the IAU.
8. Melakukan monitoring tindaklanjut rekomendasi 8. Monitoring the follow-up of the
Komite Audit kepada manajemen terhadap hasil recommendations of the Audit Committee to
temuan SKAI. the management on the findings of the IAU.
9. Memberikan rekomendasi kepada SKAI terhadap 9. Provide recommendations to IAU for the plan
cakupan rencana audit tahunan. of audit scope.
10. Memberi persetujuan atas Laporan Pelaksanaan 10. Approving the Implementation Report and
dan Pokok-pokok Hasil Audit Intern setiap Main Internal Audit Results every semester to
semester untuk disampaikan ke OJK. be submitted to OJK.
11. Melakukan evaluasi terhadap implementasi 11. Evaluate the implementation of the latest
kebijakan akuntansi terbaru dan kegiatan accounting policies and corporate activities
korporasi yang akan dilaksanakan. to be carried out.
Pengembangan Kompetensi Komite Audit Audit Committee Competency Development

Pada tahun 2021, Komite Audit Bank Sinarmas telah In 2021, the Audit Committee of Bank Sinarmas has
melakukan pelatihan dan/atau pengembangan conducted training and/or competency development
kompetensi melalui webinar sebagai berikut: through the following webinars:
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Tanggal dan Tempat

Nama Pendidikan/Pelatihan Penyelenggara
Penyelenggaraan
Name Education/Training Organizer
Date and Place of Event
Reynold M. Batubara 2021 IIA Indonesia National 27 – 29 Oktober 2021, Institute of Internal Auditors
Conference Via Online (IIA) Indonesia
27 – 29 October 2021
Via Online
Robert A. Simanjuntak Teknik penyusunan dan reviu 15 – 16 April 2021, Lembaga Pengembangan
laporan hasil audit yang efektif Via Online Fraud Auditing
Sammy Kristamuljana FKDKP_Webinar: Efektivitas 25 Maret 2021, Forum Komunikasi Direktur

Pengawasan Dewan Komisaris Via Online Kepatuhan Perbankan
dalam Menjaga Kepatuhan Bank 25 March 2021, (FKDKP)
dalam Menuju Era Pengaturan Via Online
Principle based
KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE
Komite Pemantau Risiko dibentuk oleh Dewan The Risk Monitoring Committee was established by
Komisaris sesuai ketentuan peraturan dan perundang- the Board of Commissioners in accordance with the
undangan yang berlaku, yaitu Undang-undang No. applicable laws and regulations, namely Law no. 40 of
40 tahun 2007 tentang Perseroan Terbatas dan POJK 2007 concerning Limited Liability Companies and POJK
No.55/POJK.03/2016 tentang Penerapan Tata Kelola No.55/POJK.03/2016 concerning the Implementation of
bagi Bank Umum. Good Corporate Governance for Commercial Banks.
Sesuai ketentuan POJK No.55/POJK.03/2016, anggota In accordance with the provisions of POJK No.55/
Komite Pemantau Risiko diangkat oleh Direksi POJK.03/2016, members of the Risk Monitoring
berdasarkan keputusan rapat Dewan Komisaris. Committee are appointed by the Board of Directors
based on the decision of the Board of Commissioners
meeting.
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Struktur dan Susunan Anggota Komite Pemantau Structure and Membership Composition of the
Risiko Risk Monitoring Committee
Bank Indonesia memberikan ketentuan pelaksanaan Bank Indonesia provides provisions for the
GCG, di mana anggota Komite Pemantau Risiko implementation of GCG, where the members of
paling kurang terdiri dari seorang Komisaris the Risk Monitoring Committee consist of at least
Independen sebagai Ketua merangkap anggota, an Independent Commissioner as Chairman and
seorang pihak Independen yang memiliki keahlian concurrently member, an independent party with
di bidang keuangan atau akuntansi dan seorang expertise in finance or accounting and an independent
pihak Independen yang memiliki keahlian di bidang party with expertise in risk management.
manajemen risiko.
Susunan Komite Pemantau Risiko Bank Sinarmas The composition of the Risk Monitoring Committee
mengalami perubahan pada 1 Oktober 2021 sebagai of Bank Sinarmas underwent a change on October 1,
berikut 2021, with the following composition:
KOMPOSISI KOMITE PEMANTAU RISIKO

Composition of the Risk Monitoring Committee
1 Januari – 30 September 2021 Periode 1 Oktober – 31 Desember 2021

1 January – 30 September 2021 Period 1 October – 31 December 2021
Surat Keputusan Nomor SK.073/2020/PRESDIR Dasar Surat Keputusan Nomor SK.085/2021/PRESDIR tentang
tentang Susunan Anggota Komite Pemantau Penetapan Susunan Anggota Komite Pemantau Risiko PT. Bank
Risiko PT. Bank Sinarmas Tbk., yang dikeluarkan Basis of Sinarmas Tbk., yang dikeluarkan pada 1 Oktober 2021.
pada 26 Oktober 2020. Appointment Decree Number SK.085/2021/PRESDIR concerning
Decree No. SK.074/2020/PRESDIR on the the Composition of Members of the Risk Monitoring
Membership Composition of Remuneration and Committee of PT. Bank Sinarmas Tbk., issued on
Nomination of PT. Bank Sinarmas Tbk., issued on October 1, 2021.
26 October 2020
Nama Keahlian Jabatan Nama Keahlian

Name Position Position Name Position
Sammy Kristamuljana Ekonomi, Ketua Rusmin Perbankan, Ekonomi

(Komisaris Independen) Akuntansi, Chairman (Komisaris Independen) Banking, Economic
(Independent Manajemen (Independent
Commissioner) Economic, Commissioner)
Accounting,
Management
Tjendrawati Widijaja Ekonomi, Anggota Tjendrawati Widijaja Ekonomi, Keuangan,

(Komisaris Utama) Keuangan, Chairman (Komisaris Utama) Perbankan
(President Commissioner) Perbankan (President Commissioner) Economic, Finance,
Economic, Banking
Finance, Banking
Ketut Sanjaya Perbankan Anggota Robert A. Simanjuntak Ekonomi, Keuangan

(Pihak Independen) Banking Member (Pihak Independen) Economic, Finance
(Independent Party) (Independent Party)
Rusli Prakarsa Perbankan Anggota Reynold M. Batubara Ekonomi, Keuangan,

(Pihak Independen) Ekonomi Member (Pihak Independen) Perbankan
(Independent Party) Banking, (Independent Party) Economic, Finance,
Economic Banking
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Profil Anggota Komite Pemantau Risiko Profile of Members of the Risk Monitoring Committee
Profil anggota Komite Pemantau Risiko yang The profile of members of the Risk Monitoring Committee
merupakan anggota Dewan Komisaris telah who are members of the Board of Commissioners
disampaikan dalam bab “Profil Perusahaan” yang have been presented in the chapter “Company Profile”
terdapat dalam Laporan Tahunan ini. Anggota Komite contained in this Annual Report. Members of the Risk
Pemantau Risiko yang berasal dari Pihak Independen Monitoring Committee who come from Independent
memiliki rangkap jabatan sebagai anggota Komite Parties have concurrent positions as members of the
Audit dengan profil sudah disampaikan pada bagian Audit Committee with the profiles already submitted in
Profil Anggota Komite Audit. the Profiles of the Audit Committee Members.
Independensi Komite Pemantau Risiko Independency of the Risk Monitoring Committee
Komite Pemantau Risiko bertindak secara independen, The Risk Monitoring Committee acts independently
serta tidak menerima/melakukan intervensi dari/ and does not accept/intervene from/to other Parties in
kepada Pihak lainnya dalam menjalankan tugas dan carrying out its duties and responsibilities. Members of
tanggung jawabnya. Anggota Komite Pemantau the Risk Monitoring Committee are not related to the
Risiko tidak terkait dengan Pemegang Saham, Dewan Shareholders, Board of Commissioners, and Board of
Komisaris, dan Direksi. Anggota Komite Pemantau Directors. Members of the Risk Monitoring Committee
Risiko yang berasal dari luar Bank tidak memiliki from outside the Bank do not have personal interests and
kepentingan serta keterkaitan yang bersifat pribadi relationships that have the potential to create conflict of
yang berpotensi menimbulkan benturan kepentingan interest with the Bank.
(conflict of interest) dengan Bank.
PERNYATAAN INDEPENDENSI KOMITE PEMANTAU RISIKO

Independency Statement of the Risk Monitoring Committee

Aspek Independensi
Independence Aspect Reynold
Sammy Ketut Rusli Tjendrawati Robert A.
Rusmin M.
Kristamuljana Sanjaya Prakarsa Widijaja Simanjuntak
Batubara
Tidak memiliki
hubungan keuangan
dengan Dewan
Komisaris dan Direksi
Has no financial √ √ √ √ √ √ √
relationship with
the Board of
Commissioners and
Board of Directors
Tidak memiliki
hubungan kepemilikan
saham di perusahaan
√ √ √ √ √ √ √
Has no share
ownership in the
company
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Aspek Independensi
Independence Aspect Reynold
Sammy Ketut Rusli Tjendrawati Robert A.
Rusmin M.
Kristamuljana Sanjaya Prakarsa Widijaja Simanjuntak
Batubara
Tidak memiliki
hubungan
kepengurusan di
perusahaan, anak
perusahaan serta
perusahaan afiliasi √ √ √ √ √ √ √
Has no management
relationship within the
company, subsidiaries,
and affiliated
companies
Tidak memiliki
hubungan keluarga
dengan Dewan
Komisaris, Direksi, dan/
atau anggota Komite
Audit
Has no family √ √ √ √ √ √ √
relationship with
the Board of
Commissioners, Board
of Directors, and/or
members of the Risk
Monitoring Committee
Tidak menjabat
sebagai pengurus
partai politik, pejabat
dan pemerintah
Not serving as √ √ √ √ √ √ √
administrator of
political parties,
officials and
government
Piagam Komite Pemantau Risiko Risk Monitoring Committee Charter
Komite Pemantau Risiko Bank Sinarmas telah memiliki The Bank Sinarmas Risk Monitoring Committee has a
piagam atau board manual dalam menjalankan charter or board manual in carrying out its duties and
tugas dan tanggung jawab terkait pengendalian dan responsibilities related to controlling and reviewing
pengkajian terhadap organisasi internal Bank. Piagam the Bank’s internal organization. The charter was
tersebut disusun berdasarkan peraturan dan undang- prepared based on the prevailing laws and regulations
undang yang berlaku dengan perubahan terakhir with the latest amendment to the Risk Monitoring
Piagam Pemantau Risiko Rev. 3.0 yang telah disahkan Charter Rev. 3.0 which was ratified on 16 May 2019
pada tanggal 16 Mei 2019.
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Piagam Komite Pemantau Risiko memuat hal-hal The Risk Monitoring Committee Charter contains the
sebagai berikut: following:
1. Pembentukan dan Dasar Hukum 1. Establishment and Legal Basis
2. Susunan dan Syarat Keanggotaan 2. Membership Composition and Requirements
3. Pengangkatan dan Pemberhentian 3. Appointment and Dismissal
5. Wewenang dan Masa Tugas 5. Authority and Term of Office
7. Tata cara dan Prosedur Kerja 7. Work Proceduers
9. Pelaporan 9. Reporting
10. Masa Berlaku 10. Validity Period
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of the Risk Monitoring
Risiko Committee
Komite Pemantau Risiko bertanggung jawab The Risk Monitoring Committee is responsible to the
kepada Dewan Komisaris terkait pengendalian dan Board of Commissioners for controlling and reviewing
pengkajian atas profil risiko bank secara komprehensif, the bank’s risk profile comprehensively, identifying
mengidentifikasi hal-hal yang memerlukan perhatian matters that require the attention of the Board of
Dewan Komisaris, dan memberikan rekomendasi Commissioners, and providing recommendations to
kepada Dewan Komisaris. the Board of Commissioners.
Tugas dan Tanggung Jawab Komite Pemantau Risiko Duties and Responsibilities of the Risk Monitoring
antara lain meliputi namun tidak terbatas pada: Committee include but are not limited to:
Komisaris dalam rangka meningkatkan efektivitas Commissioners to improve the effectiveness of
Bank, terkait: the Bank, related to:
• Evaluasi tentang kesesuaian antara kebijakan • Evaluate the suitability between
manajemen risiko dengan pelaksanaan risk management policies and the
kebijakan Bank. implementation of the Bank’s policy.
• Pemantauan dan evaluasi pelaksanaan • Monitoring and evaluating the
tugas Komite Manajemen Risiko dan Satuan implementation of duties of the Risk
Kerja Manajemen Risiko (SKMR). Management Committee and the Risk
Management Unit (RMU).
Komisaris atas kebijakan yang telah diambil oleh Commissioners on the policies taken by
Manajemen berkaitan dengan manajemen risiko Management relating to risk management
dan memastikan kebijakan manajemen risiko and ensure that risk management policies are
telah dilaksanakan dengan baik. implemented properly.
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Wewenang Komite Pemantau Risiko adalah sebagai The authority of the Risk Monitoring Committee is as
berikut: follows:
1. Memperoleh dokumen, data, dan informasi 1. Obtain documents, data, and information
tentang Bank yang berkaitan dengan tugas dan about the Company relating to the duties and
tanggung jawab komite. responsibilities of the committee.
2. Melakukan koordinasi dengan Satuan Kerja 2. Coordinate with RMU or other units if needed.
Manajemen Risiko atau unit kerja lainnya apabila
diperlukan.
Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting
Frekuensi dan Tingkat Kehadiran Rapat Komite Frequency and Attendance Rate of Risk Monitoring
Pemantau Risiko Committee Meeting
Komite Pemantau Risiko telah melaksanakan 5 The Risk Monitoring Committee held 5 (five) meetings
(lima) kali rapat dengan tingkat kehadiran seperti with attendance rate as shown in the following table.
disampaikan dalam tabel di bawah ini.
TINGKAT KEHADIRAN RAPAT KOMITE PEMANTAU RISIKO

Attendance Rate of Risk Monitoring Committee Meeting
Per 1 Januari – 30 September 2021 Per 1 Oktober – 31 Desember 2021

Per 1 January – 30 September 2021 Per 1 October – 31 December 2021
Jumlah Tingkat Jumlah Tingkat

Nama Kehadiran Kehadiran Nama Kehadiran Kehadiran
Name Number of Attendance Name Number of Attendance
Attendance Rate Attendance Rate
Sammy Kristamuljana 3 100% Rusmin 2 100%
Tjendrawati Widjaja 3 100% Tjendrawati Widjaja 2 100%
Ketut Sanjaya 3 100% Robert A Simanjuntak 2 100%
Rusli Prakarsa 3 100% Reynold M Batubara 2 100%
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AGENDA KOMITE PEMANTAUAN RISIKO

Agenda of Risk Monitoring Committee Meeting
Tanggal Agenda
No
Date Agenda
1 25/1/2021 1. Konfirmasi Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko Triwulan III – 2020
2. Risk Highlight Semester II – 2020
3. Pelampauan Risk Appetite & Risk Tolerance beserta Action Plan
4. Laporan Tingkat Kesehatan Bank posisi 31 Desember 2020
4.1 Peringkat Tingkat Kesehatan Bank posisi 31 Desember 2020
4.2 Summary Peringkat Komposit Profil Risiko 31 Desember 2020
4.3 Laporan Profil Risiko Bank 31 Desember 2020
4.4 Laporan Profil Risiko UUS 31 Desember 2020
4.5 Parameter Profil Risiko Yang Perlu Menjadi Perhatian
4.6 Summary Peringkat Tata Kelola (Good Corporate Governance) posisi 31 Desember 2020
4.7 Summary Peringkat Rentabilitas & Permodalan 31 Desember 2020
5. Laporan ICAAP posisi 31 Desember 2020
6. Stress Testing Terintegrasi Posisi 30 Juni 2020 dan Stress Testing Credit Risk posisi 30 November
2020
7. Implementasi BASEL posisi 31 Desember 2020 PT. Bank Sinarmas Tbk.
8. Program Kerja Komite Pemantau Risiko Tahun 2021
1. Confirmation of Follow-up to the Recommendation of the Risk Monitoring Committee Meeting
Quarter III – 2020
2. Risk Highlights Semester II – 2020
3. Exceeding Risk Appetite & Risk Tolerance and Action Plan
4. Bank Soundness Level Report position 31 December 2020
4.1 Bank Soundness Rating as of December 31, 2020
4.2 Summary Risk Profile Composite Rating 31 December 2020
4.3 Bank Risk Profile Report 31 December 2020
4.4 UUS Risk Profile Report December 31, 2020
4.5 Risk Profile Parameters That Need Attention
4.6 Summary of Good Corporate Governance Ranking as of December 31, 2020
4.7 Summary of Profitability & Capital Rating 31 December 2020
5. ICAAP report position 31 December 2020
6. Integrated Stress Testing for 30 June 2020 Position and Credit Risk Stress Testing position 30
November 2020
7. Implementation of BASEL position 31 December 2020 PT. Bank Sinarmas Tbk.
8. Work Program of the Risk Monitoring Committee in 2021
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2 26/4/2021 1. Konfirmasi Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko Triwulan IV – 2020
2. Risk Highlight Bank Triwulan I-2021
3. Pelampauan Risk Appetite & Risk Tolerance 31 Maret 2021
4. Laporan Profil Risiko Bank Triwulan I – 2021
4.1 Summary Peringkat Komposit Profil Risiko 31 Maret 2021
4.2 Laporan Profil Risiko Bank 31 Maret 2021
4.3 Laporan Profil Risiko UUS 31 Maret 2021
4.5 Penilaian 8 jenis risiko (Bank) dan 10 jenis risiko (UUS)
5. Pemantauan dan Pelaporan Restrukturisasi COVID-19 Posisi Maret 2021
6. Stress Testing Bank dan Terintegrasi Posisi Desember 2020 yang telah disampaikan kepada OJK
pada tanggal 13 April 2021
7. Simulasi Tingkat Kesehatan Bank Triwulan I – 2021
8. Laporan Penerapan Strategi Anti Fraud PT. Bank Sinarmas Tbk. Triwulan I 2021
9. Kinerja Keuangan periode Maret 2021
1. Confirmation of Follow-up to the Recommendation of the Risk Monitoring Committee Meeting
Quarter IV – 2020
2. Bank Risk Highlights Quarter I-2021
3. Exceeding Risk Appetite & Risk Tolerance March 31, 2021
4. Bank Risk Profile Report Quarter I – 2021
4.1 Summary of Risk Profile Composite Rating March 31, 2021
4.2 Bank Risk Profile Report March 31, 2021
4.3 UUS Risk Profile Report March 31, 2021
4.5 Assessment of 8 types of risk (Bank) and 10 types of risk (UUS)
5. Monitoring and Reporting on COVID-19 Restructuring March 2021 Posisi
6. Bank Stress Testing and Integrated Position December 2020 submitted to OJK on April 13, 2021
7. Simulation of Bank Soundness Level I – 2021
8. Report on the Implementation of the Anti-Fraud Strategy of PT. Bank Sinarmas Tbk. Quarter I
2021
9. Financial Performance for March 2021
3 26/7/2021 1. Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko Semester I-2021
2. Risk Highlight Bank Semester I-2021
3. Laporan Tingkat Kesehatan Bank posisi 30 Juni 2021
3.1 Peringkat Tingkat Kesehatan Bank 30 Juni 2021
3.2 Laporan Profil Risiko Bank 30 Juni 2021
3.3 Laporan Profil Risiko UUS 30 Juni 2021
3.6 Summary Peringkat Tata Kelola (Good Corporate Governance) Posisi 30 Juni 2021
4. Laporan ICAAP Posisi 30 Juni 2021
5. Pelampauan Risk Appetite & Risk Tolerance per 30 Juni 2021 (April – Juni)
6. Pemantauan dan Pelaporan Restrukturisasi COVID-19 Posisi Juni 2021
1. Follow-up on the Recommendation of the Risk Monitoring Committee Meeting Semester I-2021
2. Bank Risk Highlights Semester I-2021
3. Bank Soundness Level Report position 30 June 2021
3.1 Bank Soundness Rating 30 June 2021
3.2 Bank Risk Profile Report 30 June 2021
3.3 UUS Risk Profile Report 30 June 2021
3.6 Summary of Good Corporate Governance Rating Position 30 June 2021
4. ICAAP Report Position 30 June 2021
5. Exceeding Risk Appetite & Risk Tolerance as of June 30, 2021 (April – June)
6. Monitoring and Reporting on COVID-19 Restructuring Position June 2021
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4 27/10/2021 1. Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko 30 Juni 2021
2. Risk Highlight Bank Triwulan III – September 2021
3. Laporan Profil Risiko Bank posisi 30 September 2021
3.1 Laporan Profil Risiko Bank 30 September 2021
3.2 Laporan Profil Risiko UUS 30 September 2021
3.5 Simulasi Tingkat Kesehatan Bank
3.6 Summary Peringkat Tata Kelola, Rentabilitas & Permodalan Posisi 30 September 2021
4. Pelampauan Risk Appetite & Risk Tolerance Posisi 30 September 2021 (Juli - September)
5. Pemantauan dan Pelaporan Restrukturisasi COVID-19 Posisi Triwulan III – September 2021
6. Laporan Penerapan Strategi Anti Fraud periode triwulan 2 & 3 2021
7. Kinerja Keuangan periode September 2021
8. Penyusunan Rencana Bisnis Bank tahun 2022-2024
1. Follow-up to the Recommendations of the Risk Monitoring Committee Meeting 30 June 2021
2. Bank Risk Highlights Quarter III – September 2021
3. Bank Risk Profile Report position 30 September 2021
3.1 Bank Risk Profile Report 30 September 2021
3.2 UUS Risk Profile Report 30 September 2021
3.5 Simulation of Bank Soundness Level
3.6 Summary of Governance, Profitability & Capital Rating Position 30 September 2021
4. Exceeding Risk Appetite & Risk Tolerance Position 30 September 2021 (July - September)
5. Monitoring and Reporting on COVID-19 Restructuring for Quarter III – September 2021
6. Report on the Implementation of Anti-Fraud Strategy for the period 2 & 3 2021
7. Financial Performance for September 2021
8. Preparation of the Bank’s Business Plan for 2022-2024
5 1/11/2021 1. Update Perkembangan Produk dan Aktivitas Digital Banking

2. Tindak lanjut Program Kerja KPR Tahun 2021
1. Update on Digital Banking Product Developments and Activities
2. Follow-up on the 2021 KPR Work Program
Laporan Pelaksanaan Tugas Komite Pemantau Duty Implementation Report of the Risk Monitoring
Risiko Committee
Komite Pemantau Risiko telah melakukan tugas The Risk Monitoring Committee has implemented
dan tanggung jawabnya dengan baik. Selain its duties and responsibilities properly. This is
menyelenggarakan rapat-rapat komite, Komite reflected in the implementation of meetings and the
Pemantau Risiko memiliki program-program komite implementation of committee programs. During 2020,
yang telah terlaksana dengan baik melalui kegiatan- the Risk Monitoring Committee has implemented the
kegiatan sebagai berikut: following activities:
1. Melakukan evaluasi tentang kesesuaian antara 1. Evaluate the conformity between Bank’s risk
kebijakan manajemen risiko & kebijakan internal management policies & other internal policies,
lainnya, dengan pelaksanaan kebijakan Bank. with the Bank’s implementation policies.
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2. Mengevaluasi implementasi proses Manajemen 2. Evaluate the implementation of the Risk

Risiko (identifikasi, pengukuran, pemantauan Management process (identification,
dan pengendalian) sebagai akibat dari suatu measurement, monitoring and control) as a result
perubahan kondisi eksternal dan internal Bank of the Bank’s external and internal changes that
yang mempengaruhi kecukupan permodalan, affect the capital adequacy, the Bank’s Risk profile,
profil Risiko Bank, dan tidak efektifnya penerapan and the ineffectiveness of Risk Management
Manajemen Risiko berdasarkan hasil evaluasi. implementation based on the evaluation results.
3. Evaluasi proses manajemen risiko tersebut antara 3. Evaluation of the risk management process,
lain namun tidak terbatas : includes but is not limited to:
• Kualitas Aktiva beserta action plan/strategi • Asset quality and action plans/strategies for
penanganan kredit bermasalah. handling non-performing loans.
• Pengembangan pengukuran/metodologi yang • Development of measurement/methodology
digunakan. used.
• Tindak lanjut atas temuan audit mengenai • Follow up on audit findings regarding risk
manajemen risiko. management.
• Kebijakan regulator serta Market Practice • Regulatory policies and Market Practices
terkait manajemen risiko. related to risk management.
• Memantau stress testing secara berkala guna • Monitoring stress testing on a regular basis to
mengetahui dampaknya terhadap permodalan determine the impact on bank capital.
bank.
• Isu manajemen risiko signifikan lainnya. • Other significant risk management issues.
4. Mengevaluasi dan memantau strategi agar selalu 4. Evaluated and monitored the strategy so that it is
mampu mempertahankan peringkat Tingkat always able to maintain the rating of the Bank’s
Kesehatan Bank (Profil Risiko, Good Corporate Soundness Level (Risk Profile, Good Corrector
Governance, Rentabilitas dan Permodalan) pada Governance, Profitability and Capital) in the rank 2
peringkat 2 (dua) atau SEHAT. (two) or SOUND.
5. Memantau posisi/eksposur risiko secara 5. Monitoring the position/risk exposure as a whole, as
keseluruhan, maupun per risiko termasuk well as per risk, including monitoring compliance
pemantauan kepatuhan terhadap toleransi risiko with the established risk tolerance and limits (risk
dan limit yang ditetapkan (risk appetite & risk appetite & risk tolerance).
tolerance).
6. Mengevaluasi realisasi Rencana Bisnis Bank Tahun 6. Evaluating the Bank’s 2020 Business Plan
2020. realization.
7. Memonitoring realisasi Rencana Bisnis Tahun 2021. 7. Monitoring the Bank’s 2021 Business Plan
realization.
8. Memberikan rekomendasi dan memonitoring 8. Provide recommendations and monitor the
penyusunan Rencana Bisnis Bank Tahun 2022. preparation Bank’s Business Plan 2022.
9. Melakukan pengawasan terhadap proses mitigasi 9. Actively supervise the risk mitigation (action
risiko (action plan) secara aktif yang dilakukan plan) process by the risk taking unit, the internal
oleh risk taking unit, sistem pengendalian internal, control system, as well as the supervision on the
serta pengawasan terhadap pengembangan development of the risk awareness culture in all
budaya sadar risiko pada seluruh unit kerja Bank. work units of the Bank.
10. Pemantauan penerapan strategi anti-fraud. 10. Monitoring the anti-fraud implementation.
11. Pemantauan perkembangan restrukturisasi 11. Monitoring the COVID-19 progress for credit
kredit COVID-19 serta strategi dalam rangka restructuring and strategies in order to maintain
mempertahankan kinerja Bank. the Bank’s performance.
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Pengembangan Kompetensi Komite Pemantau Risk Monitoring Committee Competency

Risiko Development
Komite pemantau risiko senantiasa meningkatkan The risk monitoring committee continues to improve
kompetensi untuk menghadapi tantangan dan its competence to face challenges and changes,
perubahan terutama yang berkaitan dengan bisnis especially those related to the Bank’s business. The
Bank. Berikut merupakan rincian pelaksanaan following are the details of the implementation of
kegiatan pengembangan kompetensi komite the competency development activities of the risk
pemantau risiko selama tahun 2021. monitoring committee during 2021.
Tanggal dan Tempat

Nama Pendidikan/Pelatihan Penyelenggara
Penyelenggaraan
Name Education/Training Organizer
Date and Place of Event
Reynold M. Batubara ERM & Audit Integration 15 – 16 November 2021,

CRMS Indonesia
Via Online
Robert A. Simanjuntak Growing Your Business with Data 25 Maret 2021,

Via Online
Barclays
25 March 2021,
Via Online
Rusmin Kasus - Kasus Governance di 24 Februari 2021,

GRCPI (Governance Risk
Perbankan Via Online
Compliance Professional
24 February 2021,
Indonesia)
Via Online
Webinar Seri 2: Era Baru 17 Maret 2021,

Pembiayaan Syariah di Indonesia Via Online ISEI (Ikatan Sarjana
17 March 2021, Ekonomi Indonesia)
Via Online
What Digital and Analytics CN 25 Maret 2021,

LPPI (Lembaga
Bring to The Various Value-Chain Via Online
Pengembangan
25 March 2021,
Perbankan Indonesia)
Via Online
Tjendrawati Widjaja COVID-19 dan Percepatan 27 Januari 2021,

Pemulihan Ekonomi 2021: Via Online
Majelis Wali Amanat UI
Harapan, Tantangan dan Strategi 27 January 2021,
Kebijakan Via Online
Kasus-Kasus Governance di 24 Februari 2021,

GRCPI (Governance Risk
Perbankan Via Online
Compliance Professional
24 February 2021,
Indonesia)
Via Online
RUU Sektor Keuangan: Akankah 19 April 2021,

Infobank
Kembali Ke Sistem Sentralistik Via Online
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KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
Komite Remunerasi dan Nominasi dibentuk oleh The Remuneration and Nomination Committee
Dewan Komisaris sesuai ketentuan perundang- was established by the Board of Commissioners in
undangan yang berlaku, antara lain POJK No.55/ accordance with the applicable laws and regulations,
POJK.03/2016 tentang Penerapan Tata Kelola bagi namely POJK No.55/POJK.03/2016 concerning the
Bank Umum. Implementation of Good Corporate Governance for
Commercial Banks.
Berdasarkan POJK No.55/POJK.03/2016, anggota Based on POJK No.55/POJK.03/2016, members of

komite remunerasi dan nominasi diangkat dan the remuneration and nomination committee are
diberhentikan berdasarkan keputusan rapat Dewan appointed and dismissed based on the decision of the
Komisaris untuk masa jabatan tertentu. Board of Commissioners meeting for a certain term
of office.
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Struktur dan Susunan Anggota Komite Structure and Membership Composition of the
Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi Bank Sinarmas The Remuneration and Nomination Committee of
terdiri dari 3 (tiga) orang anggota, di mana seorang Bank Sinarmas consists of 3 (three) members, where
ketua merangkap anggota merupakan Komisaris a chairman who is concurrently a member is an
Independen, dan anggota lainnya merupakan Independent Commissioner, and the other members
anggota Dewan Komisaris serta pihak yang are members of the Board of Commissioners and
menduduki jabatan manajerial di bawah Direksi yang those who hold managerial positions under the Board
membidangi Sumber Daya Manusia. of Directors in charge of Human Resources.
KOMPOSISI KOMITE REMUNERASI DAN NOMINASI

Composition of the Remuneration and Nomination Committee
Nama Jabatan Dasar Penetapan Keahlian

Name Position Basis of Appointment Expertise
Rusmin Ketua Surat Keputusan Nomor SK.074/2020/PRESDIR tentang Susunan Anggota Perbankan,
(Komisaris Chairman Remunerasi dan Nominasi PT. Bank Sinarmas Tbk., yang dikeluarkan pada Ekonomi
Independen) 26 Oktober 2020 Banking.
(Independent Decree No. SK.074/2020/PRESDIR on Membership Composition of the Economic
Commissioner) Remuneration and Nomination of PT. Bank Sinarmas Tbk.,issued on 26
October 2020
Tjendrawati Anggota Surat Keputusan Nomor SK.074/2020/PRESDIR tentang Susunan Anggota Ekonomi,
Widjaja Member Remunerasi dan Nominasi PT. Bank Sinarmas Tbk., yang dikeluarkan pada Keuangan,
(Komisaris 26 Oktober 2020 Perbankan
Utama) Decree No. SK.074/2020/PRESDIR on Membership Composition of the Economic,
(President Remuneration and Nomination of PT. Bank Sinarmas Tbk.,issued on 26 Finance,
Commissioner) October 2020 Banking
Christina Anggota Surat Keputusan Nomor SK.074/2020/PRESDIR tentang Susunan Anggota Manajemen
Suryadinata Member Remunerasi dan Nominasi PT. Bank Sinarmas Tbk., yang dikeluarkan pada SDM
(Pejabat 26 Oktober 2020 HR
Eksekutif) Decree No. SK.074/2020/PRESDIR on Membership Composition of the Management
(Executive Remuneration and Nomination of PT. Bank Sinarmas Tbk., issued on 26
Officer) October 2020
Profil Anggota Komite Remunerasi dan Nominasi Profile of Members of the Remuneration and
Nomination Committee
Profil anggota Komite Remunerasi dan Nominasi Profiles of members of the Remuneration and
yang merupakan anggota Dewan Komisaris telah Nomination Committee are presented in the
disampaikan dalam bab “Profil Perusahaan” yang “Company Profile” chapter contained in this Annual
terdapat dalam Laporan Tahunan ini. Report.
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Nama
Christina Suryadinata
Name
Warga Negara
Indonesia
Citizenship
Domisili
Jakarta
Domicile
Usia 44 tahun
Age 44 years old
Dasar Hukum Diangkat sebagai anggota Komite Remunerasi dan Nominasi berdasarkan Surat Keputusan Nomor
Pengangkatan SK.074/2020/PRESDIR tentang Susunan Anggota Remunerasi dan Nominasi PT. Bank Sinarmas Tbk.,
Legal Basis yang dikeluarkan pada 26 Oktober 2020.
Appointment Keputusan tersebut didasarkan pada risalah rapat Dewan Komisaris Nomor RR. No. 008/2020/
PRESKOM tanggal 26 Oktober 2020 terkait Penegasan Susunan Anggota Komite Audit.
Appointed as a member of the Remuneration and Nomination Committee based on Decree
Number SK.074/2020/PRESDIR concerning the Composition of Remuneration and Nomination
Members of PT. Bank Sinarmas Tbk., which was issued on October 26, 2020.
the Audit Committee.
Rangkap Jabatan Merangkap sebagai Group Head Human Capital Management PT. Bank Sinarmas Tbk.
Concurrent Position Concurrently as Group Head of Human Capital Management at PT. Bank Sinarmas Tbk.
Riwayat Pendidikan
Sarjana Ekonomi Universitas Parahyangan, Bandung, 1999
Educational
Bachelor of Economics from Parahyangan University, Bandung, 1999
background
Riwayat Pekerjaan • Bank Permata sebagai Head of Network & Consumer Lending Business Finance. (2013 - 2016)
Work Experience • Bank UOB Indonesia sebagai Head of PFS Strategic Business Planning (2008 – 2013)
• Bank Permata as Head of Network & Consumer Lending Business Finance. (2013 - 2016)
• Bank UOB Indonesia as Head of PFS Strategic Business Planning (2008 – 2013)
Affiliation Saham Pengendali.
Shareholders.
Independensi Komite Remunerasi dan Nominasi Independency of the Remuneration and

Nomination Committee
Dalam menjalankan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the
Komite Remunerasi dan Nominasi bertindak secara Remuneration and Nomination Committee acts
independen, serta tidak menerima/melakukan independently, and does not accept/intervene
intervensi dari/kepada pihak lainnya. Selain itu, from/to other parties. In addition, members of
anggota Komite Remunerasi dan Nominasi tidak the Remuneration and Nomination Committee
terkait dengan Pemegang Saham, Dewan Komisaris, are not related to the Shareholders, the Board of
dan Direksi. Commissioners and the Board of Directors.
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PERNYATAAN INDEPENDENSI KOMITE REMUNERASI DAN NOMINASI

Independency Statement of the Remuneration and Nomination Committee
Aspek Independensi Tjendrawati Christina

Rusmin
Independence Aspect Widijaja Suryadinata
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan

Direksi
√ √ √
Has no financial relationship with Board of Commissioners and Board
of Directors
Tidak memiliki hubungan kepemilikan saham di perusahaan

√ √ √
Has no share ownership in the company
Tidak memiliki hubungan kepengurusan di perusahaan, anak

perusahaan serta perusahaan afiliasi
√ √ √
Has no management relationship within the company, subsidiaries
and affiliated companies
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi,

dan/ atau anggota Komite Audit
√ √ √
Has no familial relationship with Board of Commissioners and Board
of Directors, and/or members of the Audit Committee
Tidak menjabat sebagai pengurus partai politik, pejabat dan

pemerintah
√ √ √
Not serving as administrator of political parties, officials and
government
Piagam Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
Komite Remunerasi dan Nominasi Bank Sinarmas The Remuneration and Nomination Committee
memiliki pedoman Piagam Komite Remunerasi dan of Bank Sinarmas has guidelines namely The
Nominasi 3.0 dalam menjalankan fungsi remunerasi Remuneration and Nomination 3.0 Charter, in carrying
dan nominasi. Piagam ini memuat hal-hal sebagai out the remuneration and nomination functions. This
berikut: charter contains the following:
1. Pembentukan dan Susunan Keanggotaan 1. Establishment and Membership Composition
2. Ketentuan 2. Stipulation
3. Pengangkatan dan Pemberhentian 3. Appointment and Dismissal
5. Kewenangan 5. Authorities
6. Masa Tugas 6. Term of Office
8. Kewajiban 8. Obligations
9. Tata Cara dan Prosedur Kerja 9. Work Procedures
11. Masa Berlaku 11. Validity Period
Piagam Komite Remunerasi dan Nominasi telah The Remuneration and Nomination Committee
disusun berdasarkan peraturan perundang- Charter has been prepared based on valid legislation
undangan yang berlaku dan mengalami perubahan and most recently updated on 25 April 2019.
terakhir tertanggal 25 April 2019.
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Tugas dan Tanggung Jawab Komite Remunerasi Duties and Responsibilities of the Remuneration
dan Nominasi and Nomination Committee
Komite remunerasi dan nominasi wajib melaksanakan The remuneration and nomination committee must
tugas dan tanggung jawab secara independen. carry out its duties and responsibilities independently.
Terkait dengan Fungsi Remunerasi: Related to the Remuneration Function:

1. Melakukan evaluasi terhadap kebijakan 1. Evaluate remuneration policies based on
remunerasi yang didasarkan atas kinerja, risiko, performance, risk, fairness with peer groups, the
kewajaran dengan peer group, sasaran dan Bank’s long-term goals and strategies, fulfillment
strategi jangka panjang Bank, pemenuhan of reserves as stipulated in the legislation, and
cadangan sebagaimana diatur dalam peraturan potential future revenue of the Bank;
perundang- undangan dan potensi pendapatan
Bank pada masa yang akan datang;
2. Menyampaikan hasil evaluasi dan rekomendasi 2. Submit the evaluation results and
kepada Dewan Komisaris mengenai: recommendations to the Board of Commissioners
a. Kebijakan remunerasi bagi Direksi dan Dewan regarding:
Komisaris untuk disampaikan kepada Rapat a. Remuneration policy for the Board of Directors
Umum Pemegang Saham; and Board of Commissioners to be submitted
to the General Meeting of Shareholders;
b. Kebijakan remunerasi bagi pegawai secara b. Remuneration policy for employees to be
keseluruhan untuk disampaikan kepada submitted to the Board of Directors.
Direksi.
3. Memastikan bahwa kebijakan remunerasi telah 3. Ensuring that the remuneration policy is in
sesuai dengan ketentuan yang berlaku; accordance with applicable regulations;
4. Melakukan evaluasi secara berkala terhadap 4. Conduct periodic evaluations on the
penerapan kebijakan remunerasi; implementation of remuneration policies;
5. Dalam menetapkan kebijakan remunerasi 5. In determining the variable remuneration policies,
yang bersifat variabel, komite remunerasi wajib the remuneration committee must coordinate
berkoordinasi dengan satuan kerja manajemen with the risk management unit.
risiko.
Terkait dengan Fungsi Nominasi: Related to the Nomination Function:

1. Menyusun dan memberikan rekomendasi 1. Prepare and provide recommendations regarding
mengenai sistem serta prosedur pemilihan dan/ the system and procedure for selecting and/or
atau penggantian anggota Direksi dan anggota replacing members of the Board of Directors and
Dewan Komisaris kepada Dewan Komisaris untuk members of the Board of Commissioners to the
disampaikan kepada Rapat Umum Pemegang Board of Commissioners to be submitted to the
Saham; General Meeting of Shareholders;
2. Memberikan rekomendasi mengenai calon 2. Provide recommendations regarding prospective
anggota Direksi dan/atau calon anggota Dewan members of the Board of Directors and/
Komisaris kepada Dewan Komisaris untuk or prospective members of the Board of
disampaikan kepada Rapat Umum Pemegang Commissioners to the Board of Commissioners
Saham; to be submitted to the General Meeting of
Shareholders;
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3. Memberikan rekomendasi mengenai pihak 3. Provide recommendations regarding

independen yang akan menjadi anggota komite Independent Parties who will become members
audit serta anggota komite pemantau risiko of the audit committee and members of the
kepada Dewan Komisaris; risk monitoring committee to the Board of
Commissioners;
4. Membantu Dewan Komisaris melakukan 4. Assist the Board of Commissioners in evaluating
penilaian kinerja anggota Direksi dan/atau the performance of members of the Board
anggota Dewan Komisaris berdasarkan tolak of Directors and/ or members of the Board of
ukur yang telah disusun sebagai bahan evaluasi; Commissioners based on the benchmarks that
have been prepared as evaluation material;
Komisaris mengenai program pengembangan Commissioners regarding capacity building
kemampuan anggota Direksi dan/ atau Dewan programs for members of the Board of Directors
Komisaris; and/or the Board of Commissioners;
Komisaris mengenai: Commissioners regarding:
a. Komposisi jabatan anggota Direksi dan/atau a. Composition of positions of members of the
anggota Dewan Komisaris. Board of Directors and/or members of the
Board of Commissioners.
b. Kebijakan dan kriteria yang dibutuhkan b. Policies and criteria needed in the
dalam proses Nominasi. Nomination process.
c. Kebijakan evaluasi kinerja bagi anggota c. Performance evaluation policy for members
Direksi dan/atau anggota Dewan Komisaris. of the Board of Directors and/or members of
the Board of Commissioners.
Anggota komite remunerasi dan nominasi yang Members of the Remuneration and Nomination
memiliki benturan kepentingan (conflict of Committee who have a conflict of interest with
interest) dengan usulan yang direkomendasikan the recommended proposal must disclose the
wajib mengungkapkan dalam usulan yang recommended proposal.
direkomendasikan.
Wewenang Komite Remunerasi dan Nominasi Autority of the Remuneration and Nomination
Committee
Komite Remunerasi dan Nominasi memiliki In performing its tasks, the Nomination and
wewenang sebagai berikut: Remuneration Committee has the the following
authorities:
1. Memperoleh dokumen, data, dan informasi 1. Obtain required documents, data, and information
tentang Perseroan yang diperlukan. about the Company.
2. Melakukan koordinasi dengan Human Capital 2. Coordinate with the Human Capital Management
Management atau unit kerja lainnya apabila or other work units if necessary.
diperlukan.
3. Melakukan kewenangan lain yang diberikan 3. Perform other authorities granted by the Board of
Dewan Komisaris terkait remunerasi dan Commissioners in relation to remuneration and
nominasi. nomination.
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Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee

Meeting
Komite Remunerasi dan Nominasi melaksanakan 5 The Remuneration and Nomination Committee held
(lima) kali rapat sepanjang tahun 2021, dengan tingkat 5 (five) meetings during 2021 with attendance rate as
kehadiran seperti tabel di bawah ini. described in the following table.
TINGKAT KEHADIRAN RAPAT KOMITE REMUNERASI DAN NOMINASI

Attendance Rate of Remuneration and Nomination Committee Meeting
Nama Jumlah Kehadiran Tingkat Kehadiran

Name Number of Attendance Attendance Rate
Rusmin
(Komisaris Independen) 5 100%
(Independent Commissioner)
Tjendrawati Widijaja
(Komisaris Utama) 5 100%
(President Commissioner)
Christina Suryadinata
(Pejabat Eksekutif) 5 100%
(Executive Officer)
AGENDA RAPAT KOMITE REMUNERASI DAN NOMINASI

Agenda of Remuneration and Nomination Committee Meeting
Tanggal Agenda
No
Date Agenda
1 27/1/2021 1. Upah Minimum Propinsi Tahun 2021

2. Perjalanan Dinas Online System (PDOS) 2.0
3. Struktur Organisasi BSIM – Januari 2021
4. Perubahan Struktur Organisasi
5. Pengindukan KC Thamrin
6. Perubahan Struktur Organisasi – February 2021
7. Program Kerja Komite Remunerasi dan Nominasi Tahun 2021
1. Provincial Minimum Wage 2021
2. Business Travel Online System (PDOS) 2.0
3. BSIM Organizational Structure – January 2021
4. Changes in Organizational Structure
5. Parenting KC Thamrin
6. Changes in Organizational Structure – February 2021
7. Remuneration and Nomination Committee Work Program 2021
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Tanggal Agenda
No
Date Agenda
2 27/4/2021 1. Honorarium Dewan Komisaris dan Dewan Pengawas Syariah tahun 2021, Gaji para anggota
Direksi, Kenaikan Gaji Berkala Karyawan 2020
2. Jasa Produksi Kinerja Tahun 2020
3. Kompensasi berdasarkan Undang – Undang Cipta Kerja
4. KPI Direksi Tahun 2020
5. Kebijakan Remunerasi Dewan Komisaris dan Direksi
1. Honorarium for the Board of Commissioners and the Sharia Supervisory Board in 2021,
Salaries of members of the Board of Directors, 2020 Employee Salary Increases
2. Performance Production Services in 2020
3. Compensation under the Job Creation Law
4. Board of Directors KPI 2020
5. Remuneration Policy for the Board of Commissioners and the Board of Directors
3 27/7/2021 1. Performance Improvement Plan (PIP)

2. Fasilitas Laptop Bagi Level Dept Head
3. Perubahan Struktur Organisasi Digital Factory
4. Pejabat Eksekutif di KPNO Q2 2021 (in-out)
1. Performance Improvement Plan (PIP)
2. Laptop Facilities for Dept Head Level
3. Changes in Digital Factory’s Organizational Structure
4. Executive Officer at KPNO Q2 2021 (in-out)
4 26/8/2021 1. Direksi Bank

2. Pihak Independen
1. Bank Directors
2. Independent Party
5 1/11/2021 1. Perubahan Status KK dan UPK

2. Tambahan Revisi Pembaruan Peraturan Perusahaan
3. Perubahan Skema PKWT
4. Pejabat Eksekutif di KPNO Q3 2021 (in-out)
1. Changes in KK and UPK Status
2. Additional Revisions Renewal of Company Regulations
3. Change of PKWT Scheme
4. Executive Officer at KPNO Q3 2021 (in-out)
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Laporan Pelaksanaan Tugas Komite Remunerasi Duty Implementation Report of the Remuneration
dan Nominasi and Nomination Committee
Komite Remunerasi dan Nominasi telah melakukan The Remuneration and Nomination Committee has
tugas dan tanggung jawabnya dengan baik. Hal conducted its duties and responsibilities properly. This
tersebut tercermin dari penyelenggaraan rapat is reflected in the implementation of meetings and
dan telah terlaksananya program-program komite. the implementation of committee programs. During
Selama 2021, Komite Remunerasi dan Nominasi telah 2021, the Remuneration and Nomination Committee
melakukan kegiatan-kegiatan sebagai berikut: has carried out the following activities:
Komisaris untuk menerapkan kenaikan upah, Commissioners to implement wage increases,
apabila terjadi perubahan tarif UMP (Upah related to changes in the 2021 UMP (Provincial
Minimum Propinsi) berdasarkan Surat Keputusan Minimum Wage) rates, based on the Decree of
masing-masing Kepala Daerah. each Regional Head.
2. Memantau implementasi penerapan UMP 2. Monitor the implementation of the 2021 UMP
sebagaimana tercantum dalam poin 1. implementation as stated in No.1.
Komisaris terkait calon Direktur dan Pihak Commissioners regarding the candidates for
Independen sesuai dengan Peraturan Otoritas Directors and Independent Parties in accordance
Jasa Keuangan Nomor34/POJK.04/2014 tentang with the Financial Services Authority Regulation
Komite Nominasi dan Remunerasi Emiten atau No.34/POJK.04/2014 concerning Nomination and
Perusahaan Publik dan Peraturan Otoritas Jasa Remuneration Committee for Issuers or Public
Keuangan Nomor 55/POJK.03/2016 tentang Companies and the Financial Services Authority
Penerapan Tata Kelola Bank Umum. Regulation No.55/POJK.03/2016 concerning
Implementation Commercial Bank Governance.
Komisaris terkait Kebijakan Remunerasi Dewan Commissioners regarding the Remuneration
Komisaris dan Direksi Policy for the Board of Commissioners and the
Board of Directors.
5. Membantu Dewan Komisaris melakukan 5. Assist the Board of Commissioners in assessing
penilaian kinerja anggota Direksi. the Board of Directors’ performance.
Komisaris terkait dengan kenaikan gaji berkala Commissioners related to periodic salary increases
dan pemberian bonus terhadap karyawan and bonuses for employees, in particular regarding
Bank Sinarmas, khususnya mengenai besarnya the percentage and the amount of bonus increase
persentase kenaikan secara umum dan besarnya based on the Performance Appraisal results.
kenaikan bonus berdasarkan hasil penilaian
Performance Appraisal.
7. Melakukan rapat-rapat membahas permasalahan 7. Hold meetings to discuss remuneration and
terkait dengan remunerasi dan nominasi. nominations issues.
Pengembangan Kompetensi Komite Remunerasi Remuneration and Nomination Committee

dan Nominasi Competency Development
Untuk meningkatkan kompetensi dari anggota To improve the competence of remuneration and
komite remunerasi dan nominasi, Bank Sinarmas nomination committee members, Bank Sinarmas
memberikan fasilitas webinar maupun pelatihan provide webinars and training facilities, with details of
dengan rincian kegiatan pengembangan kompetensi competency development activities as follows:
sebagai berikut:
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Tanggal dan Tempat

Nama Pendidikan/Pelatihan Penyelenggaraan Penyelenggara
Name Education/Training Date and Place of Organizer
Event
Rusmin Sustainability Report 8 April 2021, Via LPPI (Lembaga

Online Pengembangan
Perbankan Indonesia)
LPPI (Indonesian Banking
Development Institute)
Peran CIO Teknologi Informasi Sebagai 18 November 2021, Via LPPI (Lembaga
Pencipta Nilai Online Pengembangan
The Role of Information Technology CIOs as Perbankan Indonesia)
Value Creators LPPI (Indonesian Banking
Development Institute)
Tjendrawati Widjaja FKDKP_Webinar: Efektivitas Pengawasan 25 Maret 2021, Via Forum Komunikasi
Dewan Komisaris dalam Menjaga Online Direktur Kepatuhan
Kepatuhan Bank dalam Menuju Era 25 March 2021, Via Perbankan (FKDKP)
Pengaturan Principle based Online
FKDKP_Webinar: Effectiveness of
Supervision of the Board of Commissioners
in Maintaining Bank Compliance in Towards
the Era of Principle-based Regulation
Strategi Penerapan & Pengelolaan Anti- 25 – 26 November LMI (Learning Media

Fraud pada Bank Umum Secara Best 2021, Indonesia)
Practice di Era Transformasi Digital Via Online
Mengacu pada POJK No. 39/PONK.03/2019
Best Practice Anti-Fraud Implementation
and Management Strategy at Commercial
Banks in the Digital Transformation Era.
Referring to POJK No. 39/PONK.03/2019
Christina Suryadinata Briefing HCM Bank Sinarmas-BINUS Virtual 10 November 2021, Bank Sinarmas
Site Supervisor & Industry Gathering Via Online
Refreshment Anti Fraud 2021 - Semester 1 30 June 2021, Via Bank Sinarmas
Online
30 Juni 2021, Via
Online
Refreshment Anti Fraud 2021 - Semester 2 30 November 2021, Bank Sinarmas

Via Online
Success Inside - Becoming the best version 10 Maret 2021, Via Bank Sinarmas
of you and achieve more success Opening Online
Binus Batch 8 10 March 2021, Via
Online
Webinar Employee Wellness : Happiness at 11 Juni 2021, Via Bank Sinarmas

Work, Mindful People & Powerful Teamwork Online
11 June 2021, Via
Online
Workshop Genose 29 Maret 2021, Via Bank Sinarmas

Online
29 March 2021, Via
Online
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KOMITE TATA KELOLA TERINTEGRASI INTEGRATED GOVERNANCE COMMITTEE
Komite Tata Kelola Terintegrasi Bank Sinarmas The Integrated Governance Committee of Bank
dibentuk untuk membantu pelaksanaan tugas dan Sinarmas was formed to assist the implementation
tanggung jawab Dewan Komisaris dalam melakukan of the duties and responsibilities of the Board of
pengawasan atas penerapan tata kelola terintegrasi. Commissioners in supervising the implementation
Bank Sinarmas merupakan entitas utama dari of integrated governance. Bank Sinarmas is the main
konglomerasi keuangan Sinar Mas. entity of the Sinar Mas financial conglomerate.
Komite Tata Kelola Terintegrasi dibentuk oleh The Integrated Governance Committee was
Dewan Komisaris dengan mengacu pada peraturan established by the Board of Commissioners with
perundang-undangan yang berlaku sebagai berikut: reference to the following applicable laws and
regulations:
• POJK No. 17/POJK.03/2014 tanggal 18 November • Financial Services Authority Regulation No.17/
2014 tentang Penerapan Manajemen Risiko POJK.03/2014 dated 18 November 2014 on the
Terintegrasi Bagi Konglomerasi Keuangan. Implementation of Integrated Risk Management
for Financial Conglomerates.
• POJK No. 18/POJK.03/2014 tanggal 19 November • Financial Services Authority Regulation No. 17/
2014 tentang Penerapan Tata Kelola Terintegrasi POJK.03/2014 dated 19 November 2014 on the
bagi Konglomerasi Keuangan. Implementation of Integrated Governance for
Financial Conglomerates.
• SEOJK No. 14/SEOJK.03/2015 tanggal 25 Mei • Circular Letter of the Financial Services Authority
2015 tentang Penerapan Manajemen Risiko No.14/ SEOJK.03/2015 dated 25 May 2015 on the
Terintegrasi bagi Konglomerasi Keuangan. Implementation of Integrated Risk Management
for Financial Conglomerates.
• SEOJK No. 15/SEOJK.03/2015 tanggal 25 Mei 2015 • Circular Letter of the Financial Services Authority
tentang Penerapan Tata Kelola Terintegrasi bagi No.15/ SEOJK.03/2015 dated 25 May 2015 on the
Konglomerasi Keuangan. Implementation of Integrated Governance for
Financial Conglomerates.
• Surat OJK No. SR-1/PB.33/2020 tanggal 2 januari • Letter of OJK No. S-95/PB.33/2015 dated 1 October
2020 perihal Keanggotaan Konglomerasi 2015 on Determination of PT. Bank Sinarmas Tbk.
Keuangan Sinarmas. as the Main Entity of Sinarmas Group.
Struktur dan Susunan Anggota Komite Tata Kelola Structure and Membership Composition of the
Terintegrasi Integrated Governance Committee
Berdasarkan Surat Keputusan No.SK.001/2020/ Based on Decree No. SK.001/2020/DIRUT-EU dated
DIRUT-EU tanggal 31 Januari 2020 tentang Komite January 31, 2020 regarding the Integrated Governance
Tata Kelola Terintegrasi Konglomerasi Keuangan Committee of the Sinar Mas Financial Conglomerate,
Sinar Mas, susunan Keanggotaan Komite Tata Kelola the composition of the Integrated Governance
Terintegrasi adalah sebagai berikut: Committee Membership is as follows:
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Nama Jabatan Dasar Penetapan

Name Position Basis of Appointment
Sammy Kristamuljana Komisaris Independen Berdasarkan Surat Gubernur Bank Indonesia No.14/61/GBI/DPIP/
(Ketua merangkap Rahasia tanggal 3 Juli 2012 perihal Keputusan atas Pencalonan
Anggota) Komisaris Independen PT. Bank Sinarmas Tbk. Berisi persetujuan
Independent pencalonan Bpk. Sammy Kristamuljana sebagai Komisaris Independen
Commissioner pada Rapat Umum Pemegang Saham Tahunan yang diadakan 31
(Chairman concurrently Agustus 2020 telah diangkat kembali dan telah ditetapkan dalam rapat
Member) Dewan Komisaris bahwa yang bersangkutan tetap dapat bertindak
independen
Based on the Governor of Bank Indonesia Letter No.14/61/GBI/DPIP/
Rahasia dated July 3, 2012 regarding the Decision on the Nomination
of Independent Commissioner of PT. Bank Sinarmas Tbk. Contains
approval of the nomination of Mr. Sammy Kristamuljana as Independent
Commissioner at the Annual General Meeting of Shareholders held on
August 31, 2020, he has been reappointed and it has been determined in
the meeting of the Board of Commissioners that the person concerned
can still act independently
Ahmadi Soekarno Dewan Pengawas Syariah Rekomendasi dari DSN-MUI Nomor U-074/DSN-MUI/II/2017 tanggal
Sharia Supervisory Board 6 Februari 2017. Kemudian diangkat kembali melalui RUPS Tahunan
tanggal 31 Agustus 2020
Recommendation from DSN-MUI Number U-074/DSN-MUI/II/2017
dated 6 February 2017. Then reappointed through the Annual GMS on
31 August 2020
Moch. Bukhori Dewan Pengawas Syariah Rekomendasi dari DSN-MUI Nomor U-074/DSN-MUI/II/2017 tanggal 6
Muslim Sharia Supervisory Board Februari 2017. Kemudian diangkat kembali melalui RUPS Tahunan
tanggal 31 Agustus 2020
Recommendation from DSN-MUI Number U-074/DSN-MUI/II/2017
dated 6 February 2017. Then reappointed through the Annual GMS on
31 August 2020
Johannes Eddy Komisaris Independen Akta Pernyataan Keputusan RUPSLB ASM No. 515 tanggal 15 Maret 2021
Dharmasoeka Independent - PT Asuransi Sinar Mas
Commissioner Deed of ASM EGMS Resolution No. 515 March 15, 2021 - PT Asuransi Sinar
Mas
Tonny Latidjan Komisaris Independen Akta Pernyataan No.55 tanggal 7 Agustus 2020 perihal Pernyataan
Independent Keputusan RUPSLB - PT Asuransi Sinar Mas
Commissioner Deed of Statement No.55 dated August 7, 2020 regarding Statement of
EGMS Resolutions - PT Asuransi Sinar Mas
Johanes Chandra Komisaris Independen Akta Pernyataan No.001 tanggal 1 Oktober 2014 tentang Akta
Setiawan Puspito Independent Pernyataan Keputusan Rapat- PT. Asuransi Simas Insurtech
Commissioner Deed of Statement No.001 dated October 1, 2014 concerning Deed of
Statement of Meeting Resolutions- PT. Simas Insurtech Insurance
Aditiawan Chandra Komisaris Independen Akta Nomor 12 Tanggal 11 April 2017 tentang Perubahan Anggaran
Independent Dasar- PT Asuransi Simas Jiwa
Commissioner Deed Number 12 Dated April 11, 2017 concerning Amendment to the
Articles of Association- PT Asuransi Simas Jiwa
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Nama Jabatan Dasar Penetapan

Name Position Basis of Appointment
Rohana Sumihar Komisaris Independen Akta Pernyataan No. 751 tanggal 26 Februari 2021 perihal Pernyataan
Independent Keputusan Rapat terkait perubahan susunan direksi dan dewan
Commissioner komisaris - PT. Asuransi Sumit Oto
Deed of Statement No. 751 dated February 26, 2021 regarding Statement
of Meeting Resolutions related to changes in the composition of
the board of directors and board of commissioners - PT. Auto Sumit
Insurance
Himawan Yustiono Direktur Kepatuhan Akta Pernyataan No. 132 tanggal 20 Desember tahun 2019 perihal/
Director of Compliance terkait Rapat Umum Pemegang Saham Luar Biasa - PT Reasuransi
Nusantara Makmur
Deed of Statement No. 132 dated 20 December 2019 regarding/related
to the Extraordinary General Meeting of Shareholders - PT Reasuransi
Nusantara Makmur
Sungkana Komisaris Independen S-1097/PM.21/2021 Pengangkatan sebagai Komisaris Independen - PT

Independent Sinarmas Sekuritas
Commissioner S-1097/PM.21/2021 Appointment as Independent Commissioner - PT
Sinarmas Sekuritas
Irawan Chandra Komisaris Independen Akta Pernyataan No.24 tanggal 31 Juli 2019 perihal Susunan Komisaris -
Independent PT Sinar Mas Aset Management
Commissioner Deed of Statement No.24 dated July 31, 2019 regarding Composition of
Commissioners - PT Sinar Mas Asset Management
Mulabasa Hutabarat Komisaris Independen Akta Pernyataan No.721/SMMF/III/2015 tanggal 17 tahun 2015 perihal
Independent menetapkan pengangkatan anggota Komite tata kelola perusahaan -
Commissioner PT. Sinar Mas Multifinance
Deed of Statement No.721/SMMF/III/2015 dated 17 of 2015 regarding the
appointment of members of the Corporate Governance Committee -
PT. Sinar Mas Multifinance
Herry Hermana Komisaris Independen Akta Pernyataan Keputusan Para Pemegang Saham No.892 tanggal 19
Independent Oktober 2021 - PT AB Sinar Mas Multifinance
Commissioner Deed of Decision of Shareholders No.892 dated 19 October 2021 - PT AB
Sinar Mas Multifinance
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Profil Anggota Komite Tata Kelola Terintegrasi Profile of Members of the Integrated Governance
Committee
Profil anggota Komite Tata Kelola Terintegrasi yang Profil anggota Komite Tata Kelola Terintegrasi yang
berasal dari Bank Sinarmas,, selaku entitas utama, berasal dari Bank Sinarmas, selaku entitas utama,
disampaikan dalam bab “Profil Perusahaan” dan disampaikan dalam bab “Profil Perusahaan” dan
“Dewan Pengawas Syariah” yang terdapat dalam “Dewan Pengawas Syariah” yang terdapat dalam
Laporan Tahunan ini. Laporan Tahunan ini.
ANGGGOTA KOMITE TATA KELOLA TERINTEGRASI

Members of the Integrated Governance Committee
Nama Johannes Eddy Dharmasoeka

Name

Citizenship
Domisili Jakarta Pusat

Domicile
Usia 74 Tahun
Age 74 years old
Dasar Hukum Akta Pernyataan No.515 tanggal 15 Maret 2021 perihal Pernyataan Keputusan RUPSLB PT Asuransi
Pengangkatan Sinar Mas
Legal Basis of the Deed of Statement No. 515 dated March 15, 2021 regarding the Statement of Resolutions of the
Appointment EGMS of PT Asuransi Sinar Mas
Riwayat Pendidikan • University of Parahyangan, Bandung (Ekonomi) - Tidak Selesai (1965-1969)

History of Education • St. Albertus, Malang (SMA - IPS) (1962-1965)
• Bruder, Pontianak (SMP) (1959-1962)
• English Chinese Primary School, Pontianak (SD) (1953-1959)
• University of Parahyangan, Bandung (Economy) - Unfinished (1965-1969)
• St. Albertus, Malang (SMA - IPS) (1962-1965)
• Brother, Pontianak (SMP) (1959-1962)
• English Chinese Primary School, Pontianak (SD) (1953-1959)
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Riwayat Pekerjaan • Komisaris Independen PT Asuransi Sinar Mas (Agustus 2020-Sekarang)

Career History • Ketua Pengurus Perhimpunan Penghuni Satuan Rumah Susun Thamrin Residences
Apartemen (2019-2023)
• Founder of CandleLight (2006-2019)
• General Manager Hangzhou Future Nutrition Foods Company (2004-2006)
• General Manager International Nutrition Co., Ltd. Dumex (Dannish Co.) Infant Formula
(FMCG) (1998-2004)
• General Manager Magna Food Industries (1996-1998)
• General Manager, International Marketing PT Mayora Group (1992-1996)
• Vice President/Consumer Banking Group Head Bank International Indonesia (1989-1992)
• Marketing Manager Ultra Jaya Milk Industry (1981-1989)
• Sales Supervisor Ultra Jaya Milk Industry (1975-1981)
• Cigarette Manager P.D. Indonesia Jaya (1971-1974)
• Sales Administration P.D. Indonesia Jaya (1970-1971)
• Independent Commissioner of PT Asuransi Sinar Mas (August 2020-Present)
• Chairman of the Management of the Thamrin Residences Apartment Occupant
Association (2019-2023)
• Founder of CandleLight (2006-2019)
• General Manager of Hangzhou Future Nutrition Foods Company (2004-2006)
• General Manager International Nutrition Co., Ltd. Dumex (Dannish Co.) Infant Formula
(FMCG) (1998-2004)
• General Manager of Magna Food Industries (1996-1998)
• General Manager, International Marketing PT Mayora Group (1992-1996)
• Vice President/Consumer Banking Group Head Bank International Indonesia (1989-1992)
• Marketing Manager for Ultra Jaya Milk Industry (1981-1989)
• Sales Supervisor for Ultra Jaya Milk Industry (1975-1981)
• Cigarette Manager P.D. Indonesia Jaya (1971-1974)
• Sales Administration P.D. Indonesia Jaya (1970-1971)
Hubungan Afiliasi Tidak Ada

Affiliation None
Nama Tonny Latidjan

Name

Citizenship
Domisili Jakarta
Domicile
Usia 59 tahun
Age 59 years old
Dasar Hukum Akta Pernyataan No.55 tanggal 7 Agustus 2020 perihal Pernyataan Keputusan RUPSLB PT Asuransi
Pengangkatan Sinar Mas
Legal Basis of the Deed of Statement No. 55 dated August 7, 2020 regarding the Statement of Resolutions of the EGMS of
Appointment PT Asuransi Sinar Mas
Riwayat Pendidikan • MBA di Newport University, USA pada tahun 1981

History of Education • Sarjana Manajemen di Universitas Kristen Krida Wacana (dh. Universitas Kristen Djaya)
pada tahun 1988
• MBA at Newport University, USA in 1981
• Bachelor of Management at Krida Wacana Christian University (dh. Djaya Christian
University) in 1988
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Riwayat Pekerjaan • Komisaris Independen PT Asuransi Sinar Mas (2020 - sampai saat ini)
Career History • Pejabat PT Premium Garansi Indonesia (Februari 2018 - September 2018)
• Pejabat PT Jakarta Teknologi Utama (Februari 2018 - September 2018)
• Pejabat PT Toko Onderdil Karya Utama (Februari 2018 - September 2018)
• Independent Commissioner of PT Asuransi Sinar Mas (2020 - to date)
• Official PT Premium Guarantee Indonesia (February 2018 - September 2018)
• Officials of PT Jakarta Teknologi Utama (February 2018 - September 2018)
• Official of PT Toko Onderdil Karya Utama (February 2018 - September 2018)
No affiliations with members of the Board of Commissioners, Directors and Controlling Shareholders
Nama Sungkana
Name

Citizenship
Domisili Kota Depok

Domicile
Usia 62 tahun
Age 62 years old
Dasar Hukum Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) No. 1338 tanggal
Pengangkatan 30 September 2021 yang dibuat di hadapan Syofilawati, SH., Notaris di Kota Bekasi, akta mana telah
Legal Basis of the mendapatkan persetujuan oleh Kementerian Hukum dan Hak Asasi Manusia berdasarkan Surat
Appointment Keputusan No. AHU-0053780.AH.01.02.Tahun 2021.
Deed of Decision of the Extraordinary General Meeting of Shareholders (EGMS) No. 1338 dated
30 September 2021 drawn up before Syofilawati, SH., Notary in Bekasi City, which deed has been
approved by the Ministry of Law and Human Rights based on Decree No. AHU-0053780.AH.01.02.
Year 2021.
Riwayat Pendidikan • Sarjana dari Fakultas Hukum, Universitas Indonesia (1990)

History of Education • Magister dari International Business Law, Washington College Of Law, The American University
(1996)
• Bachelor’s degree from the Faculty of Law, University of Indonesia (1990)
• Masters in International Business Law, Washington College Of Law, The American University
(1996)
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Riwayat Pekerjaan • Plt. (Pelaksana Tugas) Kasubag Peraturan Pengelolaan Investasi di Badan Pengawas Pasar
Career History Modal-Lembaga Keuangan (1997-1998)
• Kasubag Peraturan Pengelolaan Investasi di Badan Pengawas Pasar Modal-Lembaga
Keuangan (1998-2008)
• Tenaga Pengajar di Fakultas Hukum Universitas Indonesia Program Kenotariatan (2005-2009)
• Kasubdit di Kementerian Keuangan (2008-2011)
• Bantuan Hukum di Kementerian Keuangan (2011-2016)
• Tenaga Pengajar di Program Pasca Sarjana Fakultas Hukum Universitas Indonesia
(2016-sekarang)
• Komisaris Independen di PT LCK Global Kedaton, Tbk (2017-sekarang)
• Komisaris Independen di PT Trinitan Metals and Minerals, Tbk (2018-sekarang)
• Komisaris Independen di PT Sinarmas Asset Management (2021-sekarang)
• Plt. (Acting Task) Head of Sub Division of Investment Management Regulations at the Capital
Market Supervisory Agency-Financial Institutions (1997-1998)
• Head of Sub-Division of Investment Management Regulations at the Capital Market
Supervisory Agency-Financial Institutions (1998-2008)
• Lecturer at the Faculty of Law, University of Indonesia Notary Program (2005-2009)
• Head of Sub-Directorate at the Ministry of Finance (2008-2011)
• Legal Aid at the Ministry of Finance (2011-2016)
• Lecturers at the Graduate Program of the Faculty of Law, University of Indonesia (2016-present)
• Independent Commissioner at PT LCK Global Kedaton, Tbk (2017-present)
• Independent Commissioner at PT Trinitan Metals and Minerals, Tbk (2018-present)
• Independent Commissioner at PT Sinarmas Asset Management (2021-present)
Shareholders
Nama Mulabasa Hutabarat

Name

Citizenship
Domisili Jakarta
Domicile
Usia 68 tahun
Age 68 years old
Dasar Hukum Akta Pernyataan No. 721/SMMF/III/2015 tanggal 17 Tahun 2015 perihal menetapkan pengangkatan
Pengangkatan anggota Komite tata kelola perusahaan.
Position History and Deed of Statement No. 721/SMMF/III/2015 dated 17 of 2015 regarding the appointment of members
Legal Basis of the of the corporate governance committee.
Appointment
Riwayat Pendidikan • Magister Ekonomi, Indiana University (1990)

History of Education • Sarjana Ekonomi, Universitas Indonesia (1982)
• Master of Economics, Indiana University (1990)
• Bachelor of Economics, University of Indonesia (1982)
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Riwayat Pekerjaan • Komisaris Independen PT Sinar Mas Multifinance (2014- sampai saat ini)
Career History • Komisaris Independen PT Asuransi Jiwa Beringin Sejahtera (2016- sampai saat ini)
• Komisaris PT Indosurya Asset Management (2018-2019)
• Komisaris Independen PT Asuransi Jiwa Tugu Mandiri (2014-2016)
• Ketua Dewan Pengawas ,Badan Pengelola Jaminan Sosial Ketenagakerjaan (2014-2016)
• Sekretaris Badan Kebijakan Fiskal, Depkeu (2013 -2014)
• Kepala Biro Pembiayaan Dan Penjaminan, Bapepam-LK (2012-2013)
• Komisaris, PT Bank BTN (2008-2012)
• Kepala Biro Dana Pensiun, Bapepam-LK, Dep Keu (2006-2012)
• Komisaris, PT Pelindo I Medan (2002-2007)
• Independent Commissioner of PT Sinar Mas Multifinance (2014- to date)
• Independent Commissioner of PT Asuransi Jiwa Beringin Sejahtera (2016- to date)
• Commissioner of PT Indosurya Asset Management (2018-2019)
• Independent Commissioner of PT Asuransi Jiwa Tugu Mandiri (2014-2016)
• Chairman of the Supervisory Board, Employment Social Security Management Agency (2014-
2016)
• Secretary of the Fiscal Policy Agency, Ministry of Finance (2013 -2014)
• Head of Financing and Guarantee Bureau, Bapepam-LK (2012-2013)
• Commissioner, PT Bank BTN (2008-2012)
• Head of Pension Fund Bureau, Bapepam-LK, Ministry of Finance (2006-2012)
• Commissioner, PT Pelindo I Medan (2002-2007)
Shareholders
Nama Johanes Chandra Setiawan

Name

Citizenship
Domisili Jakarta
Domicile
Usia 67 tahun
Age 67 years old
Dasar Hukum Akta Pernyataan No. 001 tanggal 1 Oktober 2014 tentang Akta Pernyataan Keputusan Rapat
Pengangkatan Deed of Statement No. 001 dated October 1, 2014 regarding the Deed of Statement of Meeting
Legal Basis of the Resolutions
Appointment
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Riwayat Pendidikan STM Strada 1971-1974

History of Education STM Strada 1971-1974
Riwayat Pekerjaan • Komisaris Independen PT Asuransi Simas Insurtech (2014-sekarang)

Career History • Wirausaha Tahun (2010-2014)
• Pimpinan Wilayah dan Kepala Divisi Marketing PT Asuransi Sinar Mas Tahun (1990-2010)
• Deputy Manager PT Asuransi Wahana Tata Tahun (1983-1990)
• Kepala Bagian Logistik PT Cahaya Lestari Indonesia tahun (1980-1982)
• Supervisor PT Star Motors tahun (1976-1979)
• Independent Commissioner of PT Asuransi Simas Insurtech (2014-present)
• Entrepreneur Year (2010-2014)
• Regional Leader and Head of Marketing Division of PT Asuransi Sinar Mas Year (1990-2010)
• Deputy Manager of PT Asuransi Wahana Tata Tahun (1983-1990)
• Head of Logistics Division of PT Cahaya Lestari Indonesia (1980-1982)
• Supervisor of PT Star Motors (1976-1979)
No affiliations with members of the Board of Commissioners, Directors and Controlling Shareholders
Nama Aditiawan Chandra

Name

Citizenship
Domisili Jakarta
Domicile
Usia 72 tahun
Age 72 years old
Dasar Hukum Akta Nomor 12 Tanggal 11 April 2017 tentang Perubahan Anggaran Dasar PT Asuransi Simas Jiwa
Pengangkatan Deed Number 12 Dated April 11, 2017 concerning Amendment to the Articles of Association of PT
Legal Basis of the Asuransi Simas Jiwa
Appointment
Riwayat Pendidikan • Sarjana Ekonomi, Bidang Pemasaran, Fakultas Ekonomi Universitas Indonesia (1977)
History of Education • Master of Science, Bidang Perencanaan dan Keuangan, Department Urban and Regional
Planning, University of Wisconsin-Madison (1980)
• Philosophy Doctor, Bidang Perencanaan Ekonomi Daerah, Department City and Regional
Planning, University of North Carolina-Chapel Hill (1985)
• Bachelor of Economics, Marketing, Faculty of Economics, University of Indonesia (1977)
• Master of Science, Planning and Finance, Department of Urban and Regional Planning,
University of Wisconsin-Madison (1980)
• Philosophy Doctor, Regional Economic Planning, Department City and Regional Planning,
University of North Carolina-Chapel Hill (1985)
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Riwayat Pekerjaan • Independent Commissioner at PT Asuransi Simas Jiwa (2006-sekarang)

Career History • Dekan, Fakultas Ekonomi Universitas Indonesia (2001-2005)
• Presiden Komisaris, PT Bank Permata Tbk (2002-2004)
• Advisory Committee Penjualan Bank Niaga Tbk. (2002-2003)
• Komisaris, PT Bank Internasional Indonesia (BII) Tbk (1999-2001)
• Direktur Program Magister MMUI (1997-2000)
• Asisten Menteri Negara Investasi Bidang Iklim Usaha/BKPM (1994-1997)
• President Director, Lembaga Manajemen (1992-1997)
• Komisaris Independent, PT Semen Padang Tbk. ( 1990-1995)
• Managing Director, Association Of Management Institute and The Flagler Management (1989-
1992)
• Independent Commissioner at PT Asuransi Simas Jiwa (2006-present)
• Dean, Faculty of Economics, University of Indonesia (2001-2005)
• President Commissioner, PT Bank Permata Tbk (2002-2004)
• Advisory Committee Sales of Bank Niaga Tbk. (2002-2003)
• Commissioner, PT Bank Internasional Indonesia (BII) Tbk (1999-2001)
• Director of the MMUI Masters Program (1997-2000)
• Assistant Minister of State for Investment in Business Climate Sector/BKPM (1994-1997)
• President Director, Management Institute (1992-1997)
• Independent Commissioner, PT Semen Padang Tbk. (1990-1995)
• Managing Director, Association Of Management Institute and The Flagler Management (1989-
1992)
Shareholders.
Nama Herry Hermana S.

Name

Citizenship
Domisili Jakarta
Domicile
Usia 65 tahun
Age 65 years old
Dasar Hukum Akta Pernyataan Keputusan Para Pemegang Saham No. 465 tanggal tanggal 24 Juni 2020
Pengangkatan Deed of Decision of Shareholders No. 465 date June 24, 2020
Legal Basis of the
Appointment
Riwayat Pendidikan • Sarjana Ekonomi Universitas Kertanegara (1998- 2003)

History of Education • Akademi Bank Pembangunan Jakarta (1976-1980)
• Bachelor of Economics from Kertanegara University (1998- 2003)
• Jakarta Development Bank Academy (1976-1980)
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Riwayat Pekerjaan • Komisaris Independen PT AB Sinar Mas Multifinance (2017 - sampai saat ini)
Career History • Komisaris Independen PT SinarMas Hana Finance (2017 - sampai saat ini)
• HR Head PT Sinar Mas Multifinance (1996 - 2011)
• Accounting & Tax PT Sinar Mas Multiartha (1989 - 1996)
• Accounting PT Internas Artha Leasing Co, (1984-1985)
• Officer PT Bank Internasional Indonesia (1981- 1985)
• Independent Commissioner of PT AB Sinar Mas Multifinance (2017 - to date)
• Independent Commissioner of PT SinarMas Hana Finance (2017 - to date)
• HR Head of PT Sinar Mas Multifinance (1996 - 2011)
• Accounting & Tax PT Sinar Mas Multiartha (1989 - 1996)
• Accounting for PT Internas Artha Leasing Co., (1984-1985)
• Officer PT Bank Internasional Indonesia (1981-1985)
Shareholders.
Nama Rohana Sumihar

Name

Citizenship
Domisili Jakarta
Domicile
Usia 67 tahun
Age 67 years old
Dasar Hukum Akta Pernyataan No.1 tanggal 2 Maret 2011 perihal Pernyataan Keputusan Rapat terkait perubahan
Pengangkatan susunan direksi dan komisaris
Legal Basis of the Deed of Statement No.1 dated March 2, 2011 regarding Statement of Meeting Resolutions
Appointment regarding changes in the composition of the board of directors and commissioners
Riwayat Pendidikan • Magister Management Finance, IPWIJA (2000)

History of Education • Diploma in Financial Management, Connecticut University (1985)
• Bachelor’s Economics, University of Jakarta (1980)
• Master in Management Finance, IPWIJA (2000)
• Diploma in Financial Management, Connecticut University (1985)
• Bachelor’s Economics, University of Jakarta (1980)
Riwayat Pekerjaan • Komisaris Independen PT Asuransi Sumit Oto (2011-sekarang)

Career History • Pejabat Kepala Seksi Multilateral Affairs, Ministry of Finance (1977-2010)
• Dosen di Universitas Kristen Indonesia (1979-1983)
• Independent Commissioner of PT Asuransi Sumit Oto (2011-present)
• Acting Head of Multilateral Affairs Section, Ministry of Finance (1977-2010)
• Lecturer at Indonesian Christian University (1979-1983)
Shareholders.
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Nama Irawan Chandra

Name

Citizenship
Domisili Jakarta
Domicile
Usia 63 tahun
Age 63 years old
Dasar Hukum Akta Pernyataan No.24 tanggal 31 Juli 2019 perihal Susunan Komisaris PT Sinar Mas Asset
Pengangkatan Management
Legal Basis of the Deed of Statement No.24 dated July 31, 2019 regarding the Composition of Commissioners of PT
Appointment Sinar Mas Asset Management
Riwayat Pendidikan • Bachelor’s Degree of Accounting & Finance, Monash University Australia (1986)
History of Education • Bachelor’s Degree of Accounting & Finance, Monash University Australia (1986)
Riwayat Pekerjaan • Komisaris Independen, PT Sinarmas Asset Management (2019-sekarang)

Career History • Penasihat Jasa Keuangan, KPMG Siddharta Advisory (2017)
• Komisaris Independen, PT Mizuho -Balimor Finance (2016-sekarang)
• International Consulting Group (2016-2017)
• Direktur Eksekutif, Nomura (1997 - 2015)
• Senior Associate, Deutsche Bank Jakarta (1996 - 1997)
• Kepala Bagian Pasar Modal, Bank International Indonesia (1992-1996)
• Asisten Bendahara, Chase Manhattan Bank, N.A Jakarta (1989 - 1992)
• Junior Auditor, Pannell Kerr Forster, Sydney Australia (1986 - 1989)
• Independent Commissioner, PT Sinarmas Asset Management (2019-present)
• Financial Services Advisory, KPMG Siddharta Advisory (2017)
• Independent Commissioner, PT Mizuho -Balimor Finance (2016-present)
• International Consulting Group (2016-2017)
• Executive Director, Nomura (1997 - 2015)
• Senior Associate, Deutsche Bank Jakarta (1996 - 1997)
• Head of Capital Market Division, Bank International Indonesia (1992-1996)
• Assistant Treasurer, Chase Manhattan Bank, N.A Jakarta (1989 - 1992)
• Junior Auditor, Pannell Kerr Forster, Sydney Australia (1986 - 1989)
Shareholders.
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Nama Himawan Yustiono

Name

Citizenship
Domisili Jakarta
Domicile
Usia 44 tahun
Age 44 years old
Dasar Hukum Akta Pernyataan No. 132 tanggal 20 Desember tahun 2019 perihal/terkait Rapat Umum Pemegang
Pengangkatan Saham Luar Biasa PT Reasuransi Nusantara Makmur
Legal Basis of the Deed of Statement No. 132 dated December 20, 2019 regarding/related to the Extraordinary General
Appointment Meeting of Shareholders of PT Reasuransi Nusantara Makmur
Riwayat Pekerjaan • Direktur Kepatuhan PT Reasuransi Nusantara Makmur tahun (2017-sekarang)

Career History • Pimpinan Cabang PT Asuransi Sinar Mas tahun (2014-2017)
• Compliance Director of PT Reasuransi Nusantara Makmur in (2017-present)
• Branch Manager of PT Asuransi Sinar Mas (2014-2017)
Shareholders.
HUBUNGAN AFILIASI KOMITE TATA KELOLA TERINTEGRASI

Affiliated Relations of the Integrated Governance Committee
Hubungan Keuangan dengan

Financial Relationship with
Anggota Dewan Pemegang Saham

Anggota Direksi
Nama Komisaris Pengendali
Members of the Board
Name Members of the Board Controlling
of Directors
of Commissioners Shareholders
Ya Tidak Ya Tidak Ya Tidak

Yes No Yes No Yes No
Sammy Kristamuljana √ √ √
Ahmadi Soekarno √ √ √
Moch. Bukhori Muslim √ √ √
Johannes Eddy Dharmasoeka √ √ √
Tonny Latidjan √ √ √
Sungkana √ √ √
Mulabasa Hutabarat √ √ √
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Hubungan Keuangan dengan

Financial Relationship with
Anggota Dewan Pemegang Saham

Anggota Direksi
Nama Komisaris Pengendali
Members of the Board
Name Members of the Board Controlling
of Directors
of Commissioners Shareholders
Ya Tidak Ya Tidak Ya Tidak

Yes No Yes No Yes No
Johanes Chandra Setiawan √ √ √
Aditiawan Chandra √ √ √
Herry Hermana S. √ √ √
Rohana Sumihar √ √ √
Irawan Chandra √ √ √
Himawan Yustiono √ √ √
Wewenang Komite Tata Kelola Terintegrasi Authority of the Integrated Governance

Committee
Dalam melaksanakan tugasnya, Komite tata kelola In carrying out its duties, the integrated governance
terintegrasi memiliki wewenang sebagai berikut: committee has the following authorities:
1. Mengevaluasi pelaksanaan Tata Kelola Terintegrasi 1. Evaluate the implementation of Integrated
paling sedikit melalui: Governance at least through:
a. Penilaian kecukupan pengendalian intern: a. Internal control adequacy assessment:
• Melakukan evaluasi bahwa Bank Sinarmas • Evaluate that Bank Sinarmas and its
dan Perusahaan Anak telah memiliki Subsidiaries already have a standard
sistem pengendalian internal (internal integrated internal control system in
control system) terintegrasi yang baku accordance with best practices that
sesuai dengan praktik terbaik (best apply through a review of the prevailing
practice) yang berlaku melalui kajian atas Integrated Governance Guidelines at Bank
Pedoman Tata Kelola Terintegrasi yang Sinarmas.
diberlakukan di Bank Sinarmas.
• Melakukan pemantauan dan evaluasi • Monitor and evaluate the implelementation
mengenai efektivitas penerapan effectiveness of integrated internal control
pengendalian internal terintegrasi melalui through a review of the Periodic Report
kajian atas Laporan Berkala dan Laporan and Inspection Report issued by the
Hasil Pemeriksaan yang dikeluarkan Integrated Internal Audit Work Unit.
Satuan Kerja Audit Intern Terintegrasi.
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• Melakukan pemantauan dan mengevaluasi • Monitor and evaluate the implementation

pelaksanaan tindak lanjut oleh Direksi of followup by the Board of Directors of
Bank Sinarmas dan Perusahaan Anak atas Bank Sinarmas and Subsidiaries on the
hasil temuan Satuan Kerja Audit Intern findings of the Integrated Internal Audit
Terintegrasi, Kantor Akuntan Publik, dan Work Unit, Public Accounting Firm, and
hasil pengawasan Otoritas Jasa Keuangan the supervision results of the Financial
mengenai kelemahan pada sistem dan Services Authority regarding weaknesses
pelaksanaan pengendalian internal in the system and implementation of
terintegrasi. integrated internal control.
• Melaporkan secara berkala atas hasil • Report regularly on the monitoring results
pemantauan dan memberi masukan and provide input on matters related to
atas hal-hal terkait pengendalian internal integrated internal control that need the
terintegrasi yang perlu menjadi perhatian attention of the Board of Commissioners
Dewan Komisaris Bank Sinarmas dan of Bank Sinarmas and its Subsidiaries.
Perusahaan Anak.
b. Pelaksanaan Fungsi Kepatuhan Secara b. Implementation of Integrated Compliance
Terintegrasi Function
• Melakukan pemantauan dan evaluasi • Monitor and evaluate the compliance of
atas kepatuhan Bank Sinarmas dan Bank Sinarmas and Subsidiaries with the
Perusahaan Anak terhadap peraturan applicable laws and regulations in the
perundang-undangan yang berlaku Capital Market and the Financial Services
di bidang Pasar Modal serta peraturan Authority, Bank Indonesia, as well as other
Otoritas Jasa Keuangan, Bank Indonesia regulations relating to banking, insurance,
dan peraturan lainnya yang terkait dengan securities, and financing business
usaha perbankan, asuransi, sekuritas dan through coordination with the Integrated
pembiayaan melalui koordinasi dengan Compliance Work Unit.
Satuan Kerja Kepatuhan Terintegrasi.
• Mempelajari laporan berkala dan laporan • Review periodic reports and inspection
hasil pemeriksaan yang terkait dengan reports related to compliance with internal
kepatuhan terhadap peraturan intern and external regulations issued by the
dan ekstern yang dikeluarkan oleh Satuan Integrated Compliance Work Unit.
Kerja Kepatuhan Terintegrasi.
• Melakukan pemantauan dan • Monitor and evaluate the implementation
mengevaluasi pelaksanaan tindak of follow-up by the Board of Directors of
lanjut oleh Direksi Bank Sinarmas dan Bank Sinarmas and Subsidiaries on the
Perusahaan Anak atas hasil temuan findings of the Integrated Compliance
Satuan Kerja Kepatuhan Terintegrasi. Work Unit.
• Melaporkan secara berkala atas hasil • Report regularly on the monitoring results
pemantauan dan memberi masukan atas and provide input on matters related to
hal-hal terkait dengan kepatuhan Bank the compliance of Bank Sinarmas and
Sinarmas dan Perusahaan Anak terhadap Subsidiaries with internal and external
peraturan intern dan ekstern yang perlu regulations that need to be considered
menjadi perhatian Dewan Komisaris Bank by the Board of Commissioners of Bank
Sinarmas dan Perusahaan Anak. Sinarmas and Subsidiaries.
Komisaris Entitas Utama untuk penyempurnaan Commissioners of the Main Entity for improvement
Pedoman Tata Kelola Terintegrasi. of the Integrated Governance Guidelines.
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Rapat Komite Tata Kelola Terintegrasi Integrated Governance Committee Meeting

Kebijakan Rapat Komite Tata Kelola Terintegrasi Integrated Governance Committee Meeting Policy
a. Komite Tata Kelola Terintegrasi harus a. The Integrated Governance Committee must
melaksanakan rapat paling sedikit 1 (satu) kali hold a meeting at least 1 (one) time every
setiap semester. semester.
b. Rapat Komite Tata Kelola Terintegrasi dapat b. Integrated Governance Committee meetings
dilaksanakan melalui video conference. can be held via video conference.
c. Hasil rapat Komite Tata Kelola Terintegrasi c. The results of the meeting of the Integrated
telah dituangkan dalam risalah rapat dan Governance Committee have been stated
didokumentasikan secara baik. in the minutes of the meeting and are well
documented.
d. Perbedaan pendapat (dissenting opinion) d. Dissenting opinions that occur in the
yang terjadi dalam rapat Komite Tata Kelola Integrated Governance Committee meetings
Terintegrasi dicantumkan secara jelas dalam are clearly stated in the minutes of the meeting
risalah rapat beserta alasan perbedaan along with the reasons for the differences of
pendapat. opinion.
e. Rapat Tata Kelola Terintegrasi hanya dapat e. The Integrated Governance Meeting can only
dilaksanakan apabila dihadiri oleh paling be held if attended by at least 51% (fifty one
kurang 51% lima puluh satu per seratus) dari percent) of the total members.
jumlah anggota.
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f. Rapat Komite Tata Kelola Terintegrasi dipimpin f. The Integrated Governance Committee
oleh Ketua Komite Tata Kelola Terintegrasi meeting is chaired by the Chairman of the
atau anggota Komite Tata Kelola Terintegrasi Integrated Governance Committee or the
yang paling senior apabila Ketua Komite Tata most senior member of the Integrated
Kelola Terintegrasi berhalangan hadir. Governance Committee if the Chairman of the
Integrated Governance Committee is unable
to attend.
g. Jika dipandang perlu, Komite Tata Kelola g. If deemed necessary, the Integrated
Terintegrasi dapat mengundang pihak lain Governance Committee may invite other
yang terkait dengan agenda/ pembahasan parties related to the meeting agenda/
rapat untuk hadir dalam rapat Komite Tata discussion to attend the Integrated
Kelola Terintegrasi. Governance Committee meeting.
h. Keputusan rapat Komite dilakukan secara h. Committee meeting decisions are made by
bermusyawarah mufakat. deliberation and consensus.
i. Dalam hal tidak terjadi musyawarah i. In the event that consensus deliberation
mufakat, pengambilan keputusan dilakukan does not occur, the decision is made based
berdasarkan suara terbanyak. Keputusan rapat on a majority vote. Meeting decisions are
dianggap sah apabila disetujui oleh lebih dari considered valid if they are approved by more
1/2 (satu per dua) jumlah anggota Komite Tata than 1/2 (one half) of the members of the
Kelola Terintegrasi yang hadir. Pengaturan Integrated Governance Committee present.
hak suara anggota Komite mengatur prinsip The regulation of voting rights for members
1 (satu) orang 1 (satu) suara. of the Committee regulates the principle of 1
(one) person 1 (one) vote.
Komite Tata Kelola Terintegrasi melaksanakan 2 (dua) The Integrated Governance Committee held 2 (two)
kali rapat sepanjang tahun 2021, dengan tingkat meetings during 2021 with attendance rate as shown
kehadiran seperti disampaikan dalam tabel di bawah in the following table.
ini.
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FREKUENSI TINGKAT KEHADIRAN RAPAT KOMITE TATA KELOLA TERINTEGRASI

Attendance Rate Frequency of Integrated Governance Committee Meeting
Jumlah
Jumlah Tingkat
Rapat
Nama Kehadiran Kehadiran Instansi Keterangan
Number
Name Number of Attendance Institution Remark
of
Attendance Rate
Meetings
Sammy Kristamuljana 2 2 100% PT. Bank Sinarmas Tbk.
Ahmadi Soekarno Dewan Pengawas

2 2 100%
Syariah UUS
Moch. Bukhori Muslim Dewan Pengawas

2 2 100%
Syariah UUS
Hanafi Himawan 2 2 100% PT. Bank Sinarmas Tbk.
Bpk. Johanes
Eddy belum
menjadi Komisaris
Independen pada
Johannes Eddy Semester I 2021
1 1 100% PT Asuransi Sinarmas
Dharmasoeka Mr. Johanes Eddy
has not become
an Independent
Commissioner in
Semester I 2021
Tonny Latidjan 2 2 100% PT Asuransi Sinarmas
Hoky* PT Asuransi Sinarmas *) Perwakilan

1 1 100%
*) Representative
Amalia Febe* PT Asuransi Sinarmas *) Perwakilan

1 1 100%
*) Representative
Wilson Wijaya* PT Asuransi Sinarmas *) Perwakilan

1 1 100%
*) Representative
Bpk. Sungkana
belum menjadi
Komisaris
Independen pada
Semester I 2021
Sungkana 1 1 100% PT Sinarmas Sekuritas
Mr. Sungkana
has not become
an Independent
Commissioner in
Semester I 2021
*) Perwakilan
(Direktur Utama)
Bernard Thien Ted Nam* 1 1 100% PT Sinarmas Sekuritas
*) Representative
(President Director)
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Jumlah
Jumlah Tingkat
Rapat
Number
of
Attendance Rate
Meetings
*) Perwakilan
(Direktur) dari Ibu
Ferita Tanudjaja
Kerry Rusli* 1 1 100% PT Sinarmas Sekuritas
*) Representative
(Director) of Ms.
Ferita Tanudjaja
Johannes Chandra PT Asuransi Simas

2 2 100%
Setiawan Puspito Insurtech
*) Perwakilan
PT Asuransi Simas (DirKep)
I Made Yoga Mahardhika* 1 1 100%
Insurtech *) Representative
(DirKep)
PT Asuransi Simas *) Perwakilan

Ordivialli* 1 1 100%

Karen Vanessa* 1 1 100%

Stevanus Rivaldo* 1 1 100%
Rohana Sumihar 2 2 100% PT Asuransi Sumit Oto
PT Sinar Mas Asset

Irawan Chandra 2 2 100%
Management
*) Perwakilan
PT Sinar Mas Asset (Direktur Utama)
Alex Setyawan WK* 1 1 100%
Management *) Representative
(President Director)
PT Sinar Mas
Mulabasa Hutabarat 2 2 100%
Multifinance
PT AB Sinar Mas
Herry Hermana 2 2 100%
Multifinance
PT Reasuransi
Himawan Yustiono 2 2 100%
Nusantara Makmur
PT Reasuransi *) Perwakilan
Hevina* 1 1 100%
Nusantara Makmur *) Representative
PT Reasuransi *) Perwakilan
Geraldy Mista Putera* 1 1 100%
Nusantara Makmur *) Representative
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Jumlah
Jumlah Tingkat
Rapat
Number
of
Attendance Rate
Meetings
*) Perwakilan
(DirKep) dari Bpk.
Aditiawan Chandra
Parulian Simamora* 1 1 100%
*) Representative
PT Asuransi Simas Jiwa
(DirKep) of Bpk.
Aditiawan Chandra
*) Perwakilan dari
Bpk. Aditiawan
Chandra
*) Representative
Yogi Sembiring* 2 2 100%
of Mr. Aditiawan
PT Asuransi Simas Jiwa
Chandra
AGENDA RAPAT KOMITE TATA KELOLA TERINTEGRASI

Agenda of Integrated Governance Committee Meeting
Tanggal Agenda
No
Date Agenda
1 28 Juli 2021 1. Aktivitas Kerja Sama Bank Sinarmas

28 July 2021 • Reksa Dana (APERD)
• Bancassurance
• Pembiayaan
• Rekening Dana Nasabah (RDN)
2. Pertukaran Data Konsumen Dengan Pihak Ketiga
3. Pendaftaran Penyelenggara Sistem Elektronik (PSE) Lingkup Privat
1. Bank Sinarmas Cooperation Activities
• Mutual Funds (APERD)
• Bancassurance
• Financing
• Customer Fund Account (RDN)
2. Exchange of Consumer Data with Third Parties
3. Registration of Electronic System Operator (PSE) Private Scope
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2 17 Desember Rapat Komite Tata Kelola Terintegrasi Semester II 2021 ini membahas mengenai:
2021 1. Update Tindak Lanjut Materi Rapat Komite Tata Kelola Terintegrasi Periode Semester I Tahun
17 December 2021
2021 2. Penilaian Kembali terhadap Pihak Utama Lembaga Jasa Keuangan (POJK 14/POJK.03/2021
Amendemen atas POJK 34/POJK.03/2018)
3. Cetak Biru Pengembangan Sumber Daya Manusia Sektor Jasa Keuangan 2021 – 2025
4. Penerapan dan Persiapan Cetak Biru Pengembangan Sumber Daya Manusia Sektor Jasa
Keuangan 2021-2025
• PT. Bank Sinarmas Tbk.
• PT Asuransi Sinar Mas
This Semester II 2021 Integrated Governance Committee Meeting discusses:
1. Follow-up Update on Integrated Governance Committee Meeting Materials for the First
Semester of 2021
2. Reassessment of the Main Parties of Financial Services Institutions (POJK 14/POJK.03/2021
Amendments to POJK 34/POJK.03/2018)
3. Blueprint for the Development of Human Resources in the Financial Services Sector 2021 –
2025
4. Implementation and Preparation of the Financial Services Sector Human Resources
Development Blueprint 2021-2025
• PT. Bank Sinarmas Tbk.
• PT Asuransi Sinar Mas
Laporan Pelaksanaan Tugas Komite Tata Kelola Duty Implementation Report of the Integrated
Terintegrasi Governance Committee
Berikut adalah realisasi Kinerja Komite Tata Kelola The following is the realization of the Integrated
Terintegrasi selama tahun 2021, antara lain: Governance Committee’s performance during 2021,
among others:
• Komite Tata Kelola Terintegrasi telah melakukan • The Integrated Governance Committee
evaluasi terhadap pelaksanaan Tata Kelola has evaluated the implementation of
Terintegrasi paling sedikit melalui penilaian Integrated Governance at least through the
kecukupan pengendalian intern dan pelaksanaan adequacy assessment on internal control and
fungsi Kepatuhan secara Terintegrasi. implementation of the Compliance function in an
Integrated manner.
• Komite Tata Kelola Terintegrasi telah memberikan • The Integrated Governance Committee has
rekomendasi kepada Dewan Komisaris Entitas provided recommendations to the Board of
Utama untuk penyempurnaan Pedoman Tata Commissioners of the Main Entity to improve the
Kelola Terintegrasi. Integrated Governance Guidelines.
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KOMITE-KOMITE DI BAWAH COMMITTEES UNDER THE BOARD

DIREKSI OF DIRECTORS
Direksi Bank Sinarmas memiliki 5 (lima) komite yang The Board of Directors of Bank Sinarmas has 5
membantu Direksi menjalankan tugas dan tanggung (five) committees that assist the Board of Directors
jawabnya. Komite-komite tersebut memberikan saran in carrying out their duties and responsibilities.
dan rekomendasi yang akan menjadi pertimbangan These committees provide suggestions and
Direksi untuk mengambil keputusan berkenaan recommendations that will be considered by the
dengan pengelolaan Bank. Board of Directors to make decisions regarding the
management of the Bank.
Komite di Bawah Direksi

Committees Under the Board
of Directors
Komite Alma Alco Asset & Komite Information

Komite Human
Manajemen Risiko Liability Komite Kredit Technology
Capital
Risk Management Management Committee Information
Human Capital
Committee Working Group & Credit & Technology
Committee
Asset & Liability Committee
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BANK 2021
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
Komite Manajemen Risiko Bank Sinarmas The Bank Sinarmas Risk Management Committee
beranggotakan direksi serta pejabat eksekutif consists of directors and executive officers of
Bank. Komite ini merupakan fungsi pelaksanaan the Bank. This committee is a risk management
manajemen risiko untuk mengarahkan dan implementation function to direct and approve the
menyetujui penyusunan strategi, kebijakan, prosedur, formulation of strategies, policies, procedures, limits
limit dan metodologi risiko. Dalam menjalankan and risk methodologies. In carrying out its duties and
tugas dan tanggung jawabnya, Komite Manajemen responsibilities, the Risk Management Committee is
Risiko bersifat Independen. independent.
Tugas dan Tanggung Jawab Komite Manajemen Duties and Responsibilities of Risk Management
Risiko Committee
Susunan, wewenang, dan tanggung Jawab Komite The composition, authority, and responsibility of the
Manajemen Risiko telah ditetapkan berdasarkan Risk Management Committee have been determined
Surat Keputusan No.SK.017/2020/DIR1-SKMR based on Decree No. SK.017/2020/DIR1-SKMR dated
tanggal 11 Desember 2020. Komite ini berwenang December 11, 2020. This committee is authorized
dan bertanggung jawab melakukan evaluasi serta and responsible for evaluating and providing
memberikan rekomendasi kepada Direktur Utama recommendations to the President Director at least
sekurang-kurangnya meliputi: including:
1. Penyusunan kebijakan manajemen risiko serta 1. Preparation of Risk Management policy and its
perubahannya, termasuk strategi manajemen changes, including risk management strategy, risk
risiko, tingkat risiko yang diambil dan toleransi appetite, and risk tolerance, the risk management
risiko, kerangka manajemen risiko serta rencana framework, and contingency plans to anticipate
kontinjensi untuk mengantisipasi terjadinya abnormal conditions.
kondisi tidak normal.
2. Penyempurnaan proses manajemen risiko secara 2. Periodic and incidental improvements to risk
berkala maupun bersifat insidentil sebagai akibat management process resulting from a change in
dari suatu perubahan kondisi eksternal dan the Bank’s external and internal conditions that
internal Bank yang mempengaruhi kecukupan affect capital adequacy, the Bank’s risk profile,
permodalan, profil risiko Bank dan tidak efektifnya and the ineffectiveness of risk management
penerapan manajemen risiko berdasarkan hasil application based on evaluation results.
evaluasi.
3. Penetapan kebijakan dan/atau keputusan bisnis 3. Determination of business policies and/or
yang menyimpang dari prosedur normal, seperti decisions that deviate from normal procedures,
pelampauan ekspansi usaha yang signifikan such as exceeding significant business expansion
dibandingkan dengan rencana bisnis Bank yang compared to the predetermined business plan of
telah ditetapkan sebelumnya atau pengambilan the Bank or taking a position/risk exposure that
posisi/eksposur Risiko yang melampaui limit yang exceeds the predetermined limit.
telah ditetapkan.
4. Menjalankan fungsi yang lain seperti yang 4. Carry out other functions as directed by the
diarahkan oleh Presiden Direktur dan/atau President Director and/or the Risk Monitoring
Komite Pemantau Risiko. Committee.
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STRUKTUR DAN KOMPOSISI ANGGOTA KOMITE MANAJEMEN RISIKO

Structure and Membership Composition of the Risk Management Committee
Jabatan dalam
Komite Pelaksana Hak Suara
Position in Manager Voting Right
Committee
Ketua Compliance & Risk Management Director

√
Chairman
Anggota Tetap Seluruh Direktur

√
Permanent All Directors
Members
Kepala Satuan Manajemen Risiko
√
Head of Risk Management Unit
Kepala Satuan Kerja Audit Internal

√
Head of Internal Audit Unit
Kepala Satuan Kerja Kepatuhan

√
Head of Compliance Unite
Anggota Tidak tetap Anggota tidak tetap adalah kepala-kepala unit kerja yang membidangi namun tidak terbatas pada
Non-Permanent bidang sebagai berikut:
Members Non-permanent members are heads of units in charge of but not limited to the following fields:
Bidang Perkreditan Credit Unit
Bidang Treasury & Investasi Treasury & Investment Unit X
Bidang Finance & Accounting Finance & Accounting Unit X
Bidang Operation Operations Unit X
Bidang Information Technology Information Technology Unit X
Bidang Liability Liability Unit X
Bidang Syariah Sharia Unit X
Bidang Legal Legal Unit X
Bidang Human Capital Human Capital Unit X
Bidang Digital Banking Digital Banking Unit X
Bidang Sales & Distribution Sales & Distribution Unit X
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BANK 2021
Pelaksanaan Tugas Tahun 2021 Implementation of Duties in 2021

Komite Manajemen Risiko telah merealisasikan The Risk Management Committee has realized a
sejumlah tugas dan tanggung jawabnya sepanjang number of its duties and responsibilities during 2021,
tahun 2021, antara lain: among others:
1. Memantau dan mengevaluasi eksposur risiko 1. Monitor and evaluate the Bank’s risk exposure and
yang dimiliki oleh Bank serta kesesuaiannya its suitability with the risk appetite & risk tolerance
terhadap risk appetite & risk tolerance yang sudah that has been determined by the Bank.
ditetapkan Bank.
2. Mengevaluasi penyusunan laporan Tingkat 2. Evaluating the preparation of Bank Soundness
Kesehatan Bank & laporan Profil Risiko Bank. Level reports & Bank Risk Profile reports.
3. Memantau penyempurnaan kebijakan yang 3. Monitor the improvement of policies formulated
disusun dalam rangka penerapan manajemen for the implementation of risk management.
risiko.
4. Memantau penyusunan stress testing yang 4. Monitor the preparation of the stress testing
dilaksanakan oleh Risk Management Group. carried out by the Risk Management Group.
5. Memantau dan mengevaluasi strategi yang sudah 5. Monitor and evaluate the strategies that have been
dilaksanakan oleh Bank dalam rangka memitigasi implemented by the Bank in order to mitigate the
dampak pandemi COVID-19. impact of the COVID-19 pandemic.
ASSET & LIABILITY MANAGEMENT (ALMA) ASSET & LIABILITY MANAGEMENT (ALMA)
WORKING GROUP & ASSET & LIABILITY WORKING GROUP & ASSET & LIABILITY
COMMITTEE (ALCO) COMMITTEE (ALCO)
ALMA dan ALCO merupakan komite di tingkat ALMA and ALCO are executive level committees
eksekutif yang membantu efektivitas kinerja that assist the performance effectiveness of the
Direksi, terkait dengan proses pengelolaan aset Board of Directors. ALMA is related to the process of
dan liabilitas secara berkesinambungan untuk managing assets and liabilities on an ongoing basis
mencapai keuntungan yang optimal dengan to achieve optimal returns by minimizing risk as
meminimalisasi risiko sekecil mungkin. ALMA small as possible. ALMA coordinates the Bank’s asset
mengoordinasikan portofolio aset dan liabilitas Bank and liability portfolios in order to maximize profits by
guna memaksimalkan profit dengan memperhatikan taking into account liquidity needs.
kebutuhan likuiditas.
Untuk mendukung efektivitas pelaksanaan ALMA, To support the effectiveness of ALMA implementation,
Bank membentuk komite yang disebut Asset & the Bank established a committee called the Asset
Liability Committee (ALCO). ALCO bertanggung & Liability Committee (ALCO). ALCO is responsible
jawab dalam menetapkan dan mengevaluasi for setting and evaluating policies and strategies for
kebijakan dan strategi pengelolaan likuiditas untuk managing liquidity to maintain liquidity, fulfill bank
menjaga likuiditas, memenuhi likuiditas Bank dan liquidity and minimize idle funds. The establishment
meminimalisasi idle funds. Pembentukan ALCO of ALCO aims to achieve the optimum level of
bertujuan untuk mencapai tingkat profitabilitas Bank Bank profitability while still fulfilling the prevailing
secara optimum dengan tetap memenuhi ketentuan regulations.
yang berlaku.
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Tugas dan Tanggung Jawab Duties and Responsibilities

ALMA & ALCO bertanggung jawab untuk ALMA & ALCO is responsible for directing and
mengarahkan dan menentukan rencana, kebijakan, determining plans, policies, strategies, balance sheet
strategi, struktur neraca, likuiditas, profitabilitas, dan structures, liquidity, profitability, and risks related to
risiko yang terkait dengan risiko valuta asing dan foreign exchange and interest rates risks through the
tingkat suku bunga melalui proses pengawasan, process of monitoring, identifying, and measuring
identifikasi dan pengukuran paparan risiko dengan risk exposure with due observance of the prudence
memperhatikan prinsip kehati- hatian. principle.
Secara garis besar, ALCO melakukan tinjauan, analisa, In general, ALCO conducts reviews, analysis, and
dan memberi rekomendasi saat diperlukan dalam hal- provides recommendations when needed in matters
hal yang menyangkut rasio kualitatif dan kuantitatif, relating to qualitative and quantitative ratios,
likuiditas dan indikator pasar sebagai berikut: liquidity, and market indicators as follows:
1. Mengkaji ulang penetapan harga (pricing) yang 1. Review the pricing imposed on various products
dikenakan dalam berbagai produk dan jenis and types of services, as well as recommend
layanan serta merekomendasikan tingkat suku interest rates on assets and liabilities based on
bunga aset dan liabilitas berdasarkan ketetapan prevailing regulatory provisions and to ensure that
regulator yang berlaku dan untuk memastikan interest rates can encourage the achievement of
agar tingkat suku bunga dapat mendorong optimal use of funds and funding costs.
tercapainya penggunaan dana dan biaya
pendanaan yang optimal.
2. Memberi arahan strategi mengenai struktur 2. Provide strategic directives regarding the
modal perusahaan, pengalokasian modal di antara company’s capital structure, allocation of capital
berbagai bisnis unit, menetapkan dan menyetujui between various business units, establish and
kebijakan, strategi dan pedoman likuiditas dalam approve policies, strategies and guidelines for
pendanaan untuk memaksimumkan pendapatan, liquidity in funding to maximize revenue, and
dan memastikan permintaan dan sumber dana. ensure demand and sources of funds.
3. Memberi alasan dalam upaya untuk mengelola 3. Provide reasons in the effort to manage and
dan mengendalikan kesenjangan (gap/ control the gap (gap/mismatch) between assets
mismatch) antara aset dan liabilitas pada suatu and liabilities in a period, including gaps in terms
periode, meliputi kesenjangan dalam hal jumlah of the amount of funds, repricing, interest rates
dana, repricing, suku bunga dan jangka waktu and tenure, as well as maturity.
serta jatuh tempo.
4. Memberi arahan dalam mengelola aset dan 4. Provide direction in managing interest-sensitive
liabilitas yang sensitif terhadap suku bunga assets and liabilities in conditions of fluctuating
(interest rate sensitive assets and liabilities) dalam interest rate movements to optimize profits or
kondisi pergerakan suku bunga yang berfluktuasi minimize losses.
untuk mengoptimalkan laba atau meminimalkan
kerugian.
5. Memantau dan memastikan agar dalam 5. Monitor and ensure that in its activities the Bank
kegiatannya, Bank selalu menerapkan prinsip always applies the prudential principle and fulfills
kehati-hatian dan memenuhi ketentuan- the prevailing provisions, which include capital
ketentuan yang berlaku, antara lain mencakup adequacy (Capital Adequacy Ratio), fulfillment
kecukupan permodalan (Capital Adequency of Minimum Statutory Reserves, and reporting of
Ratio), pemenuhan Giro Wajib Minimum dan Prime Lending Rate.
pelaporan Suku Bunga Dasar Kredit.
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BANK 2021
6. Memantau risiko portofolio investasi bank serta 6. Monitor the risk of bank investment portfolio as
strategi lindung nilai (hedging) yang dilakukan well as hedging strategies carried out on invested
terhadap modal yang ditanamkan dalam mata capital in foreign currencies and other investment
uang asing maupun instrumen investasi lainnya. instruments.
7. Menetapkan limit terhadap aktivitas Treasury 7. Set limits on the activities of Conventional Treasury
Konvensional dan Treasury UUS untuk and Sharia Business Unit Treasury to avoid
menghindari konsentrasi portofolio pada portfolio concentration in certain instruments
instrumen dan counterparties tertentu serta and counterparties as well as establish policies
menetapkan kebijakan dan pengarahan terhadap and directives on treasury in managing liquidity.
treasury dalam mengelola likuiditas.
8. Meninjau dan mengkinikan rencana 8. Review and update on Contingency Funding Plan
pendanaan darurat (Contingency Funding Plan) on regular basis.
secara berkala.
9. Menyusun kebijakan dan memberikan usulan 9. Formulate policies and provide recommendations
dalam pengelolaan dan pengendalian kekayaan for the management and control of the Bank’s
dan kewajiban keuangan Bank. financial assets and liabilities.
10. Memberikan wewenang kepada ketua dan 10. Grant the authority to the chairman and secretary
sekretaris ALMA & ALCO untuk menyusun dan of ALMA & ALCO to formulate and establish
menetapkan tata tertib. procedures.
11. Memberikan kewenangan kepada ALMA & ALCO 11. Grant the authority to ALMA & ALCO to invite
untuk mengundang pihak lain untuk hadir dalam other parties to attend meetings, in the event of
rapat, apabila terjadi perubahan pada situasi a change in the economic situation and money
ekonomi dan suku bunga pasar uang. market interest rates.
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STRUKTUR DAN KOMPOSISI ALMA & ALCO

Structure and Composition of ALMA & ALCO
Hak
Jabatan dalam Komite Pelaksana Suara
Position in Committee Manager Voting
Right
Ketua President Director √
Wakil Ketua Corporate Banking Director √
Wakil Ketua Retail Banking Director √
Anggota dengan Hak Suara Sharia Director √
Compliance & Risk Management Director √
Digital Banking Director √
Anggota Inti Treasury & Financial Institution Group Head X
Corporate Credit Analyst Group Head X
Risk Management Group Head X
Deposit Investment Product Development Group Head X
Sales & Distribution (Java & East Indonesia) Group Head X
Sales & Distribution (Jabodetabek & Sumatera) Group Head X
Corporate Key Account Business Group Head X
Sharia Strategic Initiatives Group Head X
Finance & Performance Management Group Head X
Anggota Pendukung Corporate Banking Group Head X
Commercial Business Management Group Head X
Micro, Small, & Medium Enterprise Business Group Head X
Card & Consumer Loan Center Group Head X
Indirect Channel & Collateral Valuation Division Head X
Corporate Loan Key Account Division Head X
Financial Planning & Controlling Division Head X
Sharia Financing Business & Enablement Group Head X
Sharia Business Unit Group Head X
Financial Institution Division Head X
Treasury – Asset & Liability Management Division Head X
Market, Liquidity & Enterprise Risk Management Division Head X
Invitee ALCO Internal Audit Group Head X
Compliance Group Head X
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BANK 2021
Pelaksanaan Tugas Tahun 2021 Implementation of Duties in 2021
ALMA & ALCO telah merealisasikan sejumlah tugas ALMA & ALCO has realized a number of duties and
dan tanggung jawabnya sepanjang tahun 2021, responsibilities during 2021, among others:
antara lain:
1. Memacu pertumbuhan portofolio pinjaman pada 1. Encouraged the growth of loan portfolios on
beberapa produk kunci. several key products.
2. Memastikan tingkat likuiditas Bank selalu berada 2. Ensured that the Bank’s liquidity level is always at
pada level yang optimum. its optimum level.
3. Melakukan pemantauan atas strategi 3. Actively monitored funding pricing strategies by
pricing pendanaan secara aktif dengan taking into account the level of funding needs,
mempertimbangkan tingkat kebutuhan conditions and competition in the market and
pendanaan, kondisi dan kompetisi di pasar serta the level of funding pricing set by the regulator.
tingkat pricing pendanaan yang ditetapkan oleh 4. Actively maintained liquidity ratio, Liquidity
regulator. Coverage Ratio (LCR) and Net Stable Funding
4. Menjaga secara aktif rasio likuiditas, Liquidity Ratio (NSFR).
Coverage Ratio (LCR) dan Net Stable Funding
Ratio (NSFR).
KOMITE KREDIT/PEMBIAYAAN CREDIT/FINANCING COMMITTEE
Komite Kredit/Pembiayaan merupakan komite yang The Credit/Financing Committee is a committee

terdiri dari anggota Direksi Bank dan pejabat terkait consisting of members of the Board of Directors of the
yang bertanggung jawab dan diberi wewenang Bank and related officials who are responsible and
untuk memutuskan jumlah eksposur Bank dalam authorized to decide the amount of Bank exposure
bentuk aktiva produktif sesuai dengan jumlah atau in the form of earning assets according to a certain
limit tertentu yang telah ditetapkan. amount or limit that has been determined.
Untuk menjamin pemberian kredit/pembiayaan To guarantee objective credit/financing with good

yang objektif dengan kualitas yang baik, maka pada quality, in principle, every credit/financing decision
prinsipnya setiap keputusan kredit/pembiayaan is based on the result of a joint decision, namely the
didasarkan pada hasil keputusan bersama, yaitu hasil decision of the Credit/Financing Committee.
keputusan Komite Kredit/Pembiayaan.
Komite Kredit/Pembiayaan di Bank terdiri dari The Credit/Financing Committee at the Bank consists
komite kredit/pembiayaan korporasi, komite of a corporate credit/financing committee, retail
kredit/pembiayaan retail business, komite kredit/ business credit/financing committee, micro & small
pembiayaan micro & small business, dan komite business credit/financing committee, and consumer
kredit/pembiayaan consumer loan. Komite tersebut loan credit/financing committee. The committee was
dibentuk berdasarkan keputusan Direksi dengan established based on the decision of the Board of
susunan keanggotaan mengacu pada prinsip Four Directors with the membership composition referring
Eyes Principle. to the Four Eyes Principle.
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KOMITE HUMAN CAPITAL KOMITE HUMAN CAPITAL
Komite Human Capital dibentuk dengan tujuan Human Capital Committee was formed in order to
menjaga independensi dan menerapkan prinsip maintain independence and apply the principles
manajemen risiko dalam pengambilan keputusan risk management in decision making related to
terkait promosi, mutasi, demosi & pengunduran promotions, transfers, demotions & resignations self
diri untuk karyawan setingkat department head ke for employees at the level of department head to on.
atas. Komisi ini dibentuk berdasarkan Keputusan This Committee formed based on the Decision No.
No.SK.005/2020/PRESDIR-HCSS tentang Susunan SK.005/2020/PRESDIR-HCSS regarding Composition
dan Wewenang Human Capital Committee. and Authority of the Human Capital Committee.

Komite Human Capital bertanggung jawab untuk: The Human Capital Committee is responsible for:
1. Memutuskan promosi, mutasi, dan demosi untuk 1. Deciding promotions, transfers, and demotions
karyawan dengan jabatan setingkat department for employees with positions at Department level
head atau lebih tinggi. level or higher.
2. Memutuskan pengunduran diri bagi Pejabat 2. Deciding on the resignation of Executive Officers.
Eksekutif.
Komite Human Capital mengadakan rapat untuk Human Capital Committee held a meeting to make
mengambil keputusan maupun kebijakan terkait decisions and related policies
pelaksanaan tanggung jawab komite, dengan implementation of committee responsibilities, with
ketentuan sebagai berikut: the following conditions:
1. Rapat wajib diselenggarakan apabila 1. Meetings must be held in the event of employment
ada permasalahan kekaryawanan yang issues that require an urgent decision.
membutuhkan keputusan yang mendesak. 2. The Secretary to the Committee sends invitations
2. Sekretaris komite mengirimkan undangan dan and attaches material that will be discussed at the
melampirkan materi yang akan dibahas dalam Committee meeting no later than 2 (two) working
rapat komite paling lambat 2 (dua) hari kerja days prior to the Committee meeting.
sebelum rapat komite berlangsung.
3. Rapat hanya dapat dilaksanakan apabila dihadiri 3. The meeting can only be held if attended by at
oleh paling kurang 2/3 dari jumlah anggota least 2/3 of total members of the Committee.
komite.
4. Pengambilan keputusan dilakukan dalam rapat 4. Decisions are made in the Human Capital
Komite Human Capital. Committee meeting.
5. Hasil rapat harus dituangkan dalam risalah rapat 5. The results of the meeting must be stated in
yang dibuat oleh sekretaris komite dan diedarkan minutes of meetings made by the Secretary to
kepada semua anggota komite dalam 2 (dua) hari the Committee and circulated to all Committee
kerja setelah pelaksanaan rapat Komite Human members within 2 (two) working days after the
Capital. implementation of the Human Capital Committee
meeting.
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BANK 2021
STRUKTUR DAN KOMPOSISI KOMITE HUMAN CAPITAL

Structure and Composition of the Human Capital Committee
Hak
Right
Ketua Direktur Utama

√
Chairman President Director
Anggota Direktur yang membawahi bidang Sumber Daya Manusia

√
Member Director in charge of Human Resources
Anggota Pejabat Eksekutif tertinggi yang membawahi bidang Sumber Daya Manusia
√
Member Highest Executive Officer in charge of Human Resources
Anggota Direktur yang membawahi unit kerja terkait dengan perihal yang diputuskan
√
Member Director in charge of the work unit related matters that has been decided
Sekretaris Human Capital Recruitment & Services Division Head

x
Secretary Human Capital Recruitment & Services Division Head
Pelaksanaan Tugas dan Tanggung Jawab Komite Implementation of Duties and Responsibilities
Komite Human Capital melakukan proses The Human Capital Committee conducts the decision-
pengambilan keputusan dalam rapat Komite Human making process at the Human Capital Committee
Capital secara musyawarah mufakat, dalam hal tidak meeting by consensus, in the event that a consensus
terjadi musyawarah mufakat maka pengambilan cannot be reacehd, the decision is made based on
keputusan dilakukan berdasarkan suara terbanyak the majority of votes (voting). However, in the event
(voting). Namun apabila kondisi tidak memungkinkan that the conditions do not allow for the meeting to be
untuk dilakukan rapat, maka masing-masing held, each member of the Committee will give his/her
anggota Komite memberikan persetujuannya dalam approval in the form of a Human Capital Committee
bentuk Form Keputusan Komite Human Capital Decision Form which is circulated to all members.
yang disirkulasikan kepada seluruh anggota.
Komite Human Capital telah melakukan pengambilan The Human Capital Committee made decisions
keputusan terkait promosi, mutasi, dan demosi 242 regarding promotions, transfers and demotion of 242
karyawan sepanjang tahun 2021. employees during 2021.
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KOMITE INFORMASI TECHNOLOGY (IT) INFORMATION TECHNOLOGY (IT) COMMITTEE
Komite Information Technology (IT) merupakan The Information Technology (IT) Committee is a
komite di tingkat eksekutif yang bertanggung jawab committee at the executive level that is responsible
dalam memastikan penerapan sistem teknologi for ensuring the implementation of the information
informasi (TI) bersinergi dengan strategi Bank. technology system is in synergy with Bank’s strategy.
Komite IT memiliki tugas, wewenang dan tanggung The IT Committee has the duty, authority, and
jawab untuk memberikan rekomendasi kepada responsibility to provide recommendations to the
Direksi meliputi, namun tidak terbatas pada: Board of Directors including, but not limited to:
1. Rencana strategis IT yang sejalan dengan 1. IT strategic plan that is in accordance with the
rencana strategis kegiatan usaha Bank. Dalam Bank’s strategic business plan. In providing
memberikan rekomendasi, Komite hendaknya recommendations, the Committee should pay
memperhatikan faktor efisiensi, efektivitas serta attention to the factors of efficiency, effectiveness,
hal- hal sebagai berikut: as well as the following matters:
a. Peta jalan (road map) untuk mencapai a. Road map to achieve IT needs that support
kebutuhan TI yang mendukung Strategi the Bank’s Business Strategy. The road map
Bisnis Bank. Road map terdiri dari kondisi saat consists of the current state, future state, and
ini (current state), kondisi yang ingin dicapai measures to be taken to achieve the conditions
(future state), dan langkah-langkah yang akan to be achieved.
dilakukan untuk mencapai kondisi yang ingin
dicapai.
b. Sumber Daya yang dibutuhkan. b. Required resources.
c. Manfaat yang akan diperoleh saat Rencana c. Benefits to be obtained when the IT Strategic
Strategis TI diterapkan. Plan is implemented.
d. Kendala yang mungkin timbul dalam d. Constraints that may arise in implementing
penerapan Rencana Strategis TI. the IT Strategic Plan.
2. Perumusan Kebijakan, Standar dan Prosedur TI 2. Formulation of main IT Policies, Standards, and
yang utama seperti kebijakan pengamanan TI Procedures, such as IT security policies and risk
dan manajemen risiko terkait penggunaan TI di management related to the use of IT in the Bank.
Bank.
3. Kesesuaian antara proyek TI yang disetujui 3. Conformity between the approved IT projects
dengan Rencana Strategis TI. Komite pengarah and IT Strategic Plans. The IT steering committee
TI juga menetapkan status prioritas proyek TI also sets the priority status of critical IT projects
yang bersifat kritikal yang berdampak signifikan that have significant impacts on the Bank’s
terhadap kegiatan operasional Bank, misalnya operational activities, such as the replacement
pergantian Core Banking application, server of Core Banking applications, production servers,
production, dan topologi jaringan. and network topologies.
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4. Kesesuaian antara pelaksanaan proyek-proyek TI 4. Conformity between the implementation of IT

dengan rencana proyek yang disepakati (project projects and the agreed project plan (project
charter). Komite pengarah TI harus melengkapi charter). The IT steering committee must
rekomendasi dengan hasil analisis dari proyek TI complement its recommendations with the
yang utama sehingga memungkinkan Direksi results of analysis of the main IT projects to
mengambil keputusan secara efisien. enable the Board of Directors to make decisions
efficiently.
5. Kesesuaian antara TI dengan kebutuhan sistem 5. Conformity between IT and the needs of
informasi manajemen serta kebutuhan kegiatan management information systems as well as the
usaha Bank. needs of the Bank’s business activities.
6. Efektivitas langkah-langkah dalam 6. Effectiveness of the measures in minimizing the
meminimalisasi risiko atas investasi Bank pada risk of Bank investment in the IT sector to ensure
sektor TI agar investasi Bank pada sektor TI that Bank investment in the IT sector contributes
memberikan kontribusi terhadap pencapaian to the achievement of the Bank’s business goals.
tujuan bisnis Bank.
7. Pemantauan atas kinerja TI dan upaya 7. Monitoring of IT performance and efforts to
peningkatan kinerja TI, misalnya pendeteksian improve IT performance, for example the detection
keuangan infrastruktur TI dan pengukuran of financial IT infrastructure and measuring the
efektivitas dan efisiensi penerapan kebijakan effectiveness and efficiency of implementing IT
pengamanan TI. security policies.
8. Upaya penyelesaian berbagai masalah terkait TI 8. Efforts to resolve various IT related issues that
yang tidak dapat diselesaikan oleh Satuan Kerja cannot be resolved by the User Unit and IT
Pengguna dan Penyelenggara TI secara efektif, Organizer in an effective, efficient, and timely
efisien, dan tepat waktu. manner.
9. Kecukupan dan alokasi sumber daya yang dimiliki 9. Adequacy and allocation of the Bank’s resources.
Bank. Dalam hal sumber daya yang dimiliki In the event that the resources owned are
tidak memadai dan Bank akan menggunakan inadequate and the Bank will use the services of
jasa pihak lain dalam penyelenggaraan TI, other parties in the implementation of IT, the IT
Komite Pengarah TI harus memastikan Bank Steering Committee must ensure that the Bank
telah memiliki kebijakan dan prosedur yang has the necessary policies and procedures.
dibutuhkan.
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STRUKTUR DAN KOMPOSISI KOMITE IT

Structure and Composition of IT Committee
Jabatan dalam Komite Pelaksana Hak Suara

Position in Committee Manager Voting Right
Ketua Direktur Utama √

Chairman President Director
Wakil Ketua Pejabat tertinggi yang membidangi Information Security, Data √

Vice Chairman Management, & Information Technology
The highest official in charge of Information Security, Data Management, &
Information Technology
Sekretaris Pejabat tertinggi yang membidangi Information Technology √

Secretary The highest official in charge of Information Technology
Anggota Direktur yang membidangi Compliance & Risk Management √

Members Director in charge of Compliance & Risk Management
Direktur yang membidangi Sharia √

Director in charge of Sharia
Direktur yang membidangi Corporate Banking √

Director in charge of Corporate Banking
Direktur yang membidangi Digital Banking √

Director in charge of Digital Banking
Direktur yang membidangi Retail Banking √

Director in charge of Retail Banking
Pejabat tertinggi yang membidangi Operations √

The highest official in charge of Operations
Pejabat tertinggi yang membidangi Sharia Business Unit √

The highest official in charge of the Sharia Business Unit
Pejabat tertinggi yang membidangi Deposit Investment Product √

Development
The highest official in charge of Deposit Investment Product Development
Pejabat tertinggi yang membidangi Digital Factory √

The highest official in charge of the Digital Factory
Pejabat tertinggi yang membidangi Business Intelligence √

The highest official in charge of Business Intelligence
Pejabat tertinggi yang membidangi Artificial Intelligence & Decision Science √

The highest official in charge of Artificial Intelligence & Decision Science
Pejabat tertinggi yang membidangi Digital Loan √

The highest official in charge of Digital Loan
Pejabat tertinggi yang membidangi Payment & Transaction √

The highest official in charge of Payment & Transaction
Pejabat tertinggi yang membidangi Micro, Small & Medium Enterprise √

Business
The highest official in charge of Micro, Small & Medium Enterprise Business
Pejabat tertinggi yang membidangi Treasury & Financial Institution √

The highest official in charge of Treasury & Financial Institution
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Jabatan dalam Komite Pelaksana Hak Suara

Position in Committee Manager Voting Right
Pejabat tertinggi yang membidangi Card & Consumer Loan Center √

The highest official in charge of Card & Consumer Loan Center
Pejabat tertinggi yang membidangi Electronic Channel Operations √

The highest official in charge of Electronic Channel Operations
Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Sepanjang tahun 2021, Komite IT telah melaksanakan During 2021, the IT Committee has held 2 (two)
rapat sebanyak 2 (dua) kali untuk membahas hal-hal meetings to discuss strategic matters related to IT,
strategis terkait IT, antara lain: among others:
1. Keselarasan antara rencana strategis IT dengan

1. Alignment between IT strategic plans and
rencana strategis bisnis.
business strategic plans.
2. Rencana pengembangan Teknologi Informasi
2. Information Technology development plan that
yang akan diimplementasikan selama 1 (satu)
will be implemented in the next 1 (one) year.
tahun ke depan.
3. Priorities & progress of Information Technology
3. Prioritas & progress proyek-proyek Teknologi
projects.
Informasi.
4. Adequacy of resources to ensure Information
4. Kecukupan sumber daya untuk memastikan
Technology projects can be implemented
proyek Teknologi Informasi dapat dilaksanakan
according to the project plan.
sesuai dengan rencana proyek.
5. Evaluation and solution of issues related to
5. Evaluasi dan solusi masalah-masalah terkait
Information Technology.
dengan Teknologi Informasi.
TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY
Industri perbankan merupakan industri yang The banking industry is an industry that deals with
berhubungan dengan informasi, secara khusus information, specifically customer data information.
informasi data nasabah. Bank membutuhkan Banks need Information Technology (IT) as a crucial
Teknologi Informasi (TI) sebagai faktor krusial factor in supporting operational activities and
penunjang kegiatan operasional, dan penerapan implementing bank strategies.
strategi bank.
Bank Sinarmas telah menerapkan teknologi yang Bank Sinarmas has implemented technology
berfokus pada peningkatan efektivitas dan efisiensi that focuses on increasing work effectiveness and
kerja, serta berorientasi pada kebutuhan nasabah. efficiency, and is oriented to customer needs. In
Pada tahun 2021, Bank Sinarmas terus meningkatkan 2021, Bank Sinarmas will continue to improve digital
layanan digital Banking, antara lain pembukaan banking services, including opening a savings
rekening tabungan secara daring, penambahan account online, adding credit card service features
fitur layanan kartu kredit melalui SimobiPlus. Upaya through SimobiPlus. This information technology
digitalisasi teknologi informasi ini terus ditingkatkan digitization effort is continuously improved through
secara berkelanjutan melalui kinerja Divisi Information the performance of the Information Technology (IT)
Technology (IT). Division.
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PENGELOLAAN TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY MANAGEMENT
Divisi Information Technology (IT) merupakan The Information Technology (IT) Division is the
divisi yang bertanggung jawab atas pengelolaan division responsible for the management and
dan pengembangan TI di Bank Sinarmas. Divisi development of IT at Bank Sinarmas. The IT Division
IT dipimpin oleh seorang Information Technology is led by an Information Technology Group Head
Group Head dan Information Security, Data and an Information Security, Data Management, &
Management, & Information Technology Group Head Information Technology Group Head who reports
yang bertanggung jawab langsung kepada Direktur directly to the President Director.
Utama.
Information Security, Data

Management, & IT Group Head
Information Technology
Group Head
Information Security IT Operation IT Core Banking

Division Head Division Head Division Head
IT Enablement IT Infrastructure IT Internal Business Process

Division Head Division Head Application Division Head
IT Delivery Channel,
Enterprise Data IT PMO
Card, & Integration
Management Division Head Division Head
System Division Head
Enterprise Data System IT Business Analyst

Governance Division Head Architect Division Head
Procurement
Department Head
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Dalam melakukan pengembangan TI secara In carrying out sustainable IT development, Bank

berkelanjutan, Bank Sinarmas telah menyusun Sinarmas has compiled an Information Technology
panduan Information Technology Strategic Plan (ITSP) Strategic Plan (ITSP) guideline that is in line with the
yang sejalan dengan visi menjadi Bank terkemuka di vision to become a leading bank in Indonesia. This
Indonesia. Rencana strategis ini dituangkan dalam strategic plan is stated in the ITSP road map with the
road map ITSP dengan pencapaian pengembangan development achievements during 2021 as follows:
selama tahun 2021 sebagai berikut:
PENGEMBANGAN TI 2021
IT Development
Penerima Manfaat/
Pengembangan Manfaat
No. Pengguna
Development Benefits
Beneficiaries/Users
1 Upgrade Core Banking Mendukung kemajuan teknologi sehingga bisa bersinergi 1. KPNO
System Konvensional dengan surrounding applications, meningkatkan antarmuka 2. Cabang
pengguna, serta mengadopsi teknologi update dan framework 3. Nasabah
terbaru guna mendukung sistem yang andal, stabil serta 1. KPNO
memiliki pengamanan yang memadai 2. Branch
Support technological advancements so that they can synergize 3. Customers
with surrounding applications, improve the user interface,
and adopt the latest updated technology and frameworks to
support a reliable, stable and secure system
2 Penggantian Sistem Meningkatkan pelayanan kepada nasabah dalam melakukan 1. Divisi Operations
Front End Teller transaksi melalui Teller di Cabang UUS 2. Nasabah
Syariah Improving services to customers in conducting transactions 3. Cabang Unit Usaha
Sharia Front End Teller through Tellers at UUS Branches Syariah
System Replacement 1. Operations Division
2. Customers
3. Sharia Business Unit
Branch
3 Penggantian Sistem Meningkatkan pelayanan kepada nasabah dalam melakukan 1. Divisi Operations
Front End Teller transaksi melalui Teller di Cabang Konvensional 2. Nasabah
Konvensional Improving services to customers in conducting transactions 3. Cabang Konvensional
Conventional Front through Tellers at Conventional Branches 1. Operations Division
End Teller System 2. Customers
Replacement 3. Conventional Branch
4 Implementasi Smart Meningkatkan perekonomian sektor UMKM di masyarakat dan 1. Masyarakat

Lending Platform pertumbuhan portfolio pembiayaan Micro & Small Business di 2. Bank Sinarmas
Simas Pintar Bank Sinarmas 3. Divisi Micro, Small
Implementation of Improving the economy of the MSME sector in the community & Medium Enterprise
Smart and the growth of the Micro & Small Business financing portfolio Business
Lending Platform at Bank Sinarmas 1. Society
Simas Pintar 2. Sinarmas Bank
3. Micro, Small &
Medium Enterprise
Business Division
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5 Implementasi Mendukung kepatuhan Bank atas kewajiban pelaporan 1. Divisi Accounting

Regulatory Reporting Antasena ke regulator secara efisien, akurat, dan tepat waktu 1. Accounting Division
Antasena Support the Bank’s compliance with Antasena’s reporting
Antasena Regulatory obligations to regulators in an efficient, accurate, and timely
Reporting manner
Implementation
6 Implementasi Mobile Layanan mobile banking bagi nasabah syariah Nasabah & Calon
Banking (Simobiplus) Mobile banking services for sharia customers Nasabah
Syariah Customers and
Implementation of Prospective Customers
Sharia Mobile Banking
(Simobiplus)
7 Implementasi STPG Meningkatkan layanan dan memenuhi kebutuhan nasabah 1. Divisi Operations
untuk layanan SKN terhadap transaksi sistem pembayaran yang andal dan cepat, 2. Nasabah
STPG implementation serta mendukung program digitalisasi di Bank Sinarmas, 3. Bank Sinarmas
for SKN services maka Bank telah mengimplementasikan straight through 1. Operations Division
processing (STP) pada layanan SKN. Proses dilakukan tanpa ada 2. Customer
penanganan secara manual lagi oleh petugas bank di Kantor 3. Sinarmas Bank
Pusat, sehingga dapat mempercepat waktu pemrosesan
sekaligus memitigasi risiko operasional yang ada.
Improving services and meeting customer needs for reliable
and fast payment system transactions, as well as to support
the digitalization program at Bank Sinarmas, the Bank has
implemented straight through processing (STP) for SKN services.
The process is carried out without any manual handling again
by bank officers at the Head Office, so as to speed up processing
time while mitigating existing operational risks.
8 Implementasi BI-FAST Mendukung roadmap Bank Indonesia dalam 1. Nasabah

mengimplementasikan Blueprint Sistem Pembayaran 2. Bank Sinarmas
Indonesia 2025, yaitu BI-FAST untuk memfasilitasi layanan 1. Customer
transfer dana secara realtime yang dapat diakses setiap saat 2. Sinarmas Bank
(24/7)
Support Bank Indonesia’s roadmap in implementing the
Indonesia Payment System Blueprint 2025, namely BI-FAST to
facilitate real-time fund transfer services that can be accessed
at any time (24/7)
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INVESTASI TI IT INVESTMENT
Salah satu komitmen yang secara konsisten dilakukan One of the commitments that Bank Sinarmas has
Bank Sinarmas sesuai tema yang diangkat “Adapting consistently made in accordance with the theme
Sustainability Through Digitalization” adalah investasi “Adapting Sustainability Through Digitalization” is IT
TI. Investasi TI berfokus pada peningkatan kebutuhan investment. IT investment focuses on increasing the
pengadaan hardware dan software sebagai need for procurement of hardware and software to
perangkat pendukung pengembangan sistem support the development of the Bank’s application
aplikasi Bank, kebutuhan peremajaan perangkat systems, the need for rejuvenating IT equipment
TI dan peningkatan kapasitas infrastruktur TI, serta and increasing IT infrastructure capacity, as well as
pemeliharaan infrastruktur TI. maintaining IT infrastructure.
INFRASTRUKTUR TI IT INFRASTRUCTURE
Bank Sinarmas secara berkelanjutan meningkatkan Bank Sinarmas continuously improves IT infrastructure
kemampuan infrastruktur dan pengamanan TI, and security capabilities, including:
antara lain:
1. Melakukan peremajaan terhadap server dan 1. Renewal of servers and other IT infrastructure and
infrastruktur TI lainnya serta meningkatkan increase the capacity of both storage systems and
kapasitas baik storage system ataupun perangkat supporting devices in the Data Center.
pendukung di Data Center.
2. Terus meningkatkan security sesuai dengan 2. Continue to improve security in accordance
standar best practice, meliputi infrastructure with best practice standards, which include
security, application security, endpoint security, infrastructure security, application security,
security management, dan security review atas endpoint security, security management, and
seluruh kebijakan dan prosedur TI. security review of all IT policies and procedures.
3. Meningkatkan manajemen infrastruktur TI sesuai 3. Improve IT infrastructure management in
dengan standar teknologi best practice seperti accordance with technology best practice
capacity planning, clustering, load balancing, standards such as capacity planning, clustering,
dan lainnya, sehingga dapat mencapai service load balancing, and others, ensuring the
level bagi user dengan cara ‘cost effective’. achievement of service levels for users in a cost
effective manner.
4. Meningkatkan proses monitoring dan 4. Improve the process of monitoring and
performance tuning sebagai langkah proaktif performance tuning both as a proactive
(pencegahan masalah) maupun reaktif (preventing problems) and reactive step (solving
(penyelesaian masalah) untuk mencapai service problems) to achieve service levels according to
level sesuai kebutuhan bisnis. business needs.
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PENGEMBANGAN KOMPETENSI SDM TI IT HR COMPETENCY DEVELOPMENT
Bank Sinarmas telah melakukan pengembangan Bank Sinarmas has developed the IT Division’s HR
SDM Divisi IT melalui berbagai program pelatihan, through various training programs, including those
di antaranya terkait dengan soft skills, software related to soft skills, software development, compliance
development, compliance & risk, proprietary systems, & risk, proprietary systems, data management,
data management, IT security, business/process IT security, business/process knowledge, IT
knowledge, IT infrastructure, business analysis, infrastructure, business analysis, project management
project management dan IT operations. Pelatihan and IT operations. The training is delivered online, in
tersebut disampaikan secara online, bekerja collaboration with Udemy training providers through
sama dengan provider training Udemy melalui banksinarmas.udemy.com, or offline while still paying
banksinarmas.udemy.com, maupun secara offline attention to health protocols.
dengan tetap memperhatikan protokol kesehatan.
TATA KELOLA TI IT GOVERNANCE
Bank Sinarmas menerapkan tata kelola TI sebagai Bank Sinarmas implements IT governance as part of
bagian GCG untuk beradaptasi dan responsif GCG to adapt and be responsive to the challenges of the
menghadapi tantangan industri perbankan di era banking industry in the era of digital transformation.
transformasi digital.
Dalam merealisasikan tata kelola tersebut, Divisi IT In realizing this governance, the IT Division carries out
melaksanakan sejumlah hal, yaitu: a number of things, namely:
1. Bank Sinarmas akan terus melakukan sosialisasi 1. Bank Sinarmas continue to disseminate IT Vision
Visi dan Misi TI kepada seluruh karyawan TI, and Mission to all IT employees, ensuring services
sehingga layanan TI akan selalu selaras dengan compliance with Sinarmas Bank’s Vision and
Visi dan Misi Bank Sinarmas. Mission.
2. Meningkatkan manajemen proyek TI sehingga 2. Improve IT project management, ensuring the
proyek-proyek yang telah direncanakan berjalan planned projects run according to the IT roadmap.
sesuai road map TI.
3. Bank Sinarmas akan terus meningkatkan kualitas 3. Sinarmas Bank continue to improve the quality
layanan TI terhadap bisnis guna memastikan of IT services toward the businesses, ensuring a
Service Level Agreement yang memuaskan. satisfactory Service Level Agreement.
4. Memastikan kebijakan dan prosedur penggunaan 4. Ensuring the adequacy of IT policies and
TI yang memadai melalui peningkatan proses procedures through improvement of control
pengendalian, reviu, sosialisasi serta pengkajian processes, reviews, socialization and periodic
secara berkala terhadap kebijakan-kebijakan TI. reviews of IT policies.
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RENCANA STRATEGIS TI IT STRATEGIC PLAN
Memasuki tahun 2022, Bank Sinarmas telah Commencing 2022, Bank Sinarmas has prepared an IT
menyiapkan Rencana Strategis TI untuk Strategic Plan to further improve service to customers
meningkatkan pelayanan kepada nasabah, serta and support the Bank’s business and operational
mendukung kegiatan bisnis dan operasional Bank, activities, which includes:
antara lain:
1. Mengembangkan Treasury System untuk 1. Develop a Treasury System to support treasury
mendukung operasional dan strategi bisnis business operations and strategies in improving
treasury dalam meningkatkan layanan kepada services to customers and developing innovative
nasabah dan pengembangan produk treasury treasury products, as well as using digital channels.
yang inovatif, serta penggunaan channel digital.
2. Mengembangkan forex trading application 2. Develop a forex trading application for digital
untuk layanan valuta asing digital baik untuk foreign exchange services for both corporate
pelanggan korporat, retail individual, dan usaha customers, individual retailers, and small and
kecil menengah (UKM). medium enterprises (SMEs).
3. Pengembangan sistem Bank Sinarmas sebagai 3. Development of the Bank Sinarmas system as
Penyelenggara Payment Gateway bekerja sama a Payment Gateway Operator in collaboration
dengan lembaga penunjang dan pengembangan with supporting institutions and developing
kerja sama dengan penyelenggara payment cooperation with payment gateway providers for
gateway untuk akuisisi e-commerce. e-commerce acquisitions.
4. Implementasi Digital KYC, Digital Account 4. Implementation of Digital KYC, Digital Account
Opening & Video KYC untuk mendukung proses Opening & Video KYC to support the identification
identifikasi dan verifikasi calon nasabah dengan and verification process of prospective
memanfaatkan teknologi informasi (video customers by utilizing information technology
banking, electronic/digital signature, sentralisasi (video banking, electronic/digital signature, CS
CS, face recognition dan/atau liveness detection centralization, face recognition and/or liveness
atau biometric lainnya) sehingga seluruh proses detection or other biometrics) so that the entire
dapat dilakukan secara paperless, cepat, dan process can be done paperless, fast, and accurate.
akurat.
5. Implementasi pengembangan aplikasi dengan 5. Implementation of application development
pendekatan berbasis Microservices dan Container based on Microservices and Container Platform
Platform. approaches.
6. Penyempurnaan sistem middleware untuk 6. Improvement of the middleware system to follow
mengikuti best practice agar interkoneksi antar best practice so that interconnection between
sistem menjadi tidak complicated, reusable systems is not complicated, reusable services to
services untuk mengurangi effort development, reduce development effort, and easy scalable.
serta easy scalable.
7. Implementasi Big Data System bekerja sama 7. Implementation of Big Data System in
dengan pihak ketiga sebagai penyedia jasa collaboration with third parties as service
berbasis machine learning/big data, untuk providers based on machine learning/big data, to
melakukan cross-selling, prevent customer conduct cross-selling, prevent customer attrition,
attrition, predict customer behavior, dan lainnya, predict customer behavior, etc. As well as the
serta implementasi Real Time Data Streaming implementation of Real Time Data Streaming,
yaitu penerapan pipeline data untuk keperluan namely the implementation of data pipelines for
case realtime data streaming. the purposes of realtime data streaming cases.
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8. Mengembangkan dan menyempurnakan sistem 8. Develop and improve the credit card system
kartu kredit (issuing dan acquiring) untuk (issuing and acquiring) to support business
mendukung operasional dan strategi bisnis operations and strategies in providing credit
dalam menyediakan produk dan layanan kartu card products and services (such as: Contactless
kredit (seperti: Kartu Kredit Contactless, Kartu Credit Cards, Sharia Credit Cards, development of
Kredit Syariah, pengembangan layanan transaksi transaction services through Bank Sinarmas EDC,
melalui EDC Bank Sinarmas, dan lainnya sesuai etc. in accordance with the Business Plan Bank).
dengan Rencana Bisnis Bank).
9. Mengembangkan dan menyempurnakan sistem 9. Develop and improve the ATM/Debit Switching
ATM/Debit Switching untuk meningkatkan system to improve services to Bank customers and
pelayanan kepada nasabah Bank maupun other Bank customers in conducting transactions
nasabah Bank lain dalam bertransaksi (seperti: (such as: developing online transactions using
pengembangan transaksi online menggunakan debit cards, ATM/Debit Co-Branding cards, virtual
kartu debit, kartu ATM/Debit Co-Branding, virtual debit cards, etc. in accordance with the Bank’s
debit card, dan lainnya sesuai dengan Rencana Business Plan ). The Bank will also develop a Non-
Bisnis Bank). Bank juga akan mengembangkan Cash ATM service feature.
fitur layanan ATM Non-Tunai.
10. Implementasi Digital Lending Platform (consumer 10. Implementation of Digital Lending Platform
& productive segment) untuk mendukung (consumer & productive segment) to support
layanan pembiayaan mulai dari inisiasi, analisa financing services starting from initiation, credit
kredit, pelunasan, dan penagihan. analysis, repayment, and collection.
11. Implementasi open API dan platform Open 11. Implementation of open API and Open Banking
Banking. platform.
12. Pengembangan fitur-fitur pada sistem Internet 12. Development of features on the Internet
Banking maupun Mobile Banking (Simobi+) Banking and Mobile Banking (Simobi+) system
dengan mengembangkan fitur-fitur berbasis by developing digital-based features to improve
digital untuk meningkatkan pelayanan (seperti services (such as open accounts, personal financial
open account, personal financial management, management, credit card services, and others).
layanan kartu kredit, dan lainnya).
13. Pengembangan sistem dan integrasi QRIS (baik 13. Development of API-based QRIS systems and
Konvensional maupun Syariah) berbasis API, baik integration (both Conventional and Sharia), for
untuk acquiring maupun issuing sesuai dengan both acquiring and issuing in accordance with
standar QRIS dan roadmap Bank Indonesia. QRIS standards and Bank Indonesia roadmaps.
14. Implementasi Digital Banking Platform yang 14. Implementation of a Digital Banking Platform
dapat memenuhi kebutuhan dan rencana jangka that can meet the needs and long-term plans of
panjang Bank Sinarmas dalam menghadapi era Bank Sinarmas in facing the digital era.
digital.
15. Mengembangkan fitur transaksi chat banking 15. Develop chat banking transaction features so that
agar nasabah dapat melakukan transaksi customers can perform banking transactions via
perbankan via chat application. chat application.
16. Mengembangkan sistem point reward 16. Develop a point reward system to support
untuk mendukung kerja sama dengan point cooperation with point redemption/reward
redemption/reward partners/point exchange partners/point exchange
17. Mengembangkan sistem simas merchant 17. Develop the simas merchant system to provide
untuk menyediakan fasilitas digital business digital business facilities for merchants to be able
bagi merchant agar dapat menjual barang baik to sell goods both physically and online.
menggunakan physical maupun online.
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KOMITE MANAJEMEN RISIKO TERINTEGRASI INTEGRATED RISK MANAGEMENT COMMITTEE
Bank Sinarmas ditunjuk menjadi Entitas Utama Bank Sinarmas was appointed as the Main Entity in
dalam Konglomerasi Keuangan Sinar Mas. Selaku the Sinar Mas Financial Conglomerate. As the Main
Entitas Utama, Bank Sinarmas dalam melakukan Entity, Bank Sinarmas in implementing integrated
penerapan manajemen risiko terintegrasi telah risk management has formed an Integrated Risk
membentuk Komite Manajemen Risiko Terintegrasi Management Committee consisting of the Board of
yang beranggotakan Direksi serta Pejabat Eksekutif Directors and Executive Officers who are members
yang tergabung didalam Lembaga Jasa Keuangan of the Financial Services Institution of the Sinar Mas
Konglomerasi Keuangan Sinar Mas. Financial Conglomerate.
Keanggotaan dalam Komite Manajemen Risiko Membership in the Integrated Risk Management
Terintegrasi didasarkan atas SK No: 007/2021/DIRUT-EU Committee is based on the Decree No: 006/2020/
tentang Susunan Keanggotaan Komite Manajemen DIRUT-EU on the Membership Composition of the
Risiko Terintegrasi Konglomerasi Keuangan Sinar Mas. Integrated Risk Management Committee of the Sinar
Mas Financial Conglomerate.
Komite Manajemen Risiko Terintegrasi memiliki The Integrated Risk Management Committee
wewenang dan tanggung jawab untuk memberikan has the authority and responsibility to provide
rekomendasi kepada Direksi Entitas Utama, yaitu recommendations to the Board of Directors of the
berupa: Main Entity, namely:
1. Penyusunan kebijakan Manajemen Risiko 1. Preparation of the Integrated Risk Management
Terintegrasi; dan policies.
2. Perbaikan atau penyempurnaan kebijakan 2. Improvement or enhancement of the Integrated
Manajemen Risiko Terintegrasi berdasarkan hasil Risk Management policy based on the results of
evaluasi pelaksanaan. the implementation evaluation.
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STRUKTUR DAN KOMPOSISI KOMITE MANAJEMEN RISIKO TERINTEGRASI

Structure and Composition of Integrated Risk Management Committee
Hak
Right
Ketua Direktur Entitas Utama yang membawahi manajemen risiko terintegrasi (PT.
Chairman Bank Sinarmas Tbk.) – sekaligus anggota tetap.
√
Director of the Main Entity in charge of integrated risk management (PT. Bank
Sinarmas Tbk.) – as well as a permanent member.
Sekretaris Risk Management Group Head Entitas Utama (sekaligus anggota tetap)
√
Secretary Risk Management Group Head of Main Entity (as well as permanent member)
Anggota Tetap 1. Direktur Utama Entitas Utama

2. Direktur dari masing-masing Lembaga Jasa Keuangan Sinar Mas Financial
Services (terdiri dari 10 Direktur) √
3. Compliance Group Head Entitas Utama
1. President Director of Main Entity √
2. Director of each Financial Services Institution Sinar Mas Financial Services
(consisting of 10 Directors) √
3. Compliance Group Head of Main Entity
Anggota Tidak Tetap 1. Internal Audit Group Head Entitas Utama.

2. Satuan Kerja yang melaksanakan Fungsi Manajemen Risiko pada masing-
masing LJK dalam Konglomerasi Keuangan Sinar Mas. -
1. Internal Audit Group Head of the Main Entity.
2. Work Units that carry out the Risk Management Function in each LJK in -
the Sinar Mas Financial Conglomerate.
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Pelaksanaan Tugas dan Tanggung Jawab Implementation of Duties and Responsibilities
Sepanjang tahun 2021, Komite Manajemen Risiko During 2021, the Integrated Risk Management
Terintegrasi telah merealisasikan sejumlah tugas dan Committee has realized a number of its duties and
tanggung jawabnya, antara lain: responsibilities, among others:
1. Memantau penyempurnaan/revisi Kebijakan 1. Monitor the improvement/revision of the
Manajemen Risiko Terintegrasi. Integrated Risk Management policies.
2. Memastikan dan memantau penerapan 2. Ensuring and monitoring the implementation of
Manajemen Risiko pada masing-masing LJK Risk Management at each LJK in the Financial
dalam Konglomerasi Keuangan telah memadai Conglomerate is adequate in managing 10
dalam mengelola 10 jenis Risiko ( Risiko kredit, types of Risk ( Credit risk, Market risk, Liquidity
Risiko pasar, Risiko likuiditas, Risiko operasional, risk, Operational risk, Legal risk, Reputation risk,
Risiko hukum, Risiko reputasi, Risiko stratejik, Strategic risk, Compliance risk, Transaction risk
Risiko kepatuhan, Risiko transaksi intra-grup intra-group and insurance risk) and Integrated
dan Risiko asuransi) dan Laporan Kewajiban Minimum Capital Adequacy Report.
Penyediaan Modal Minimum Terintegrasi.
3. Memantau strategi yang dilakukan Lembaga 3. Monitor the strategies undertaken by financial
Jasa Keuangan dalam menghadapi dampak dari services institutions in addressing the impacts of
Pandemi COVID-19. the COVID-19 pandemic.
4. Melakukan harmonisasi/penyesuaian parameter 4. Harmonize/adjust the parameters & risk ranges
& rentang risiko atas Laporan Profil Risiko of the Financial Conglomerate Integrated Risk
Terintegrasi Konglomerasi Keuangan dengan Profile Report with the Report on the Soundness
Laporan Tingkat Kesehatan Lembaga Jasa of Non-Bank Financial Services Institutions.
Keuangan Non-Bank.
SEKRETARIS PERUSAHAAN
CORPORATE SECRETARY
Sekretaris Perusahaan adalah orang perseorangan Corporate Secretary is an individual or person in

atau penanggung jawab dari unit kerja yang charge of a work unit that carries out the function
menjalankan fungsi sekretaris perusahaan. of a corporate secretary. The Corporate Secretary
Sekretaris Perusahaan memiliki fungsi memastikan has the function of ensuring the delivery of material
terselenggaranya penyampaian informasi material information in an accurate and timely manner to all
secara akurat dan tepat waktu kepada seluruh stakeholders.
pemangku kepentingan.
Landasan Hukum Legal Basis

Landasan yang menjadi acuan dalam pembentukan, The following regulations are the reference of the
pengangkatan dan pelaksanaan Sekretaris establishment, recruitment,s and operations of the
Perusahaan, antara lain: Corporate Secretary, that includes:
1. Anggaran Dasar Bank Sinarmas. 1. Articles of Association of Bank Sinarmas.
2. Surat Keputusan No. SK/015/2017/PRESDIR 2. Decree No. SK/015/2017/PRESDIR on the
tentang Penunjukkan Sekretaris Perusahaan PT. Appointment of Corporate Secretary of PT. Bank
Bank Sinarmas Tbk. tanggal 16 Mei 2017. Sinarmas Tbk. dated 16 May 2017.
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3. Peraturan otoritas Jasa Keuangan Nomor 35/ 3. Financial Services Authority Regulation No. 35/
POJK.04/2014 tentang Sekretaris Perusahaan POJK.04/2014 on the Corporate Secretary of
Emiten atau Perusahaan Publik. Issuers or Public Companies.
4. Surat Keputusan Direksi PT Bursa Efek Indonesia 4. Decree of the Board of Directors of PT Bursa
No.Kep00101/ BEI/12-2021 Perihal Perubahan Efek Indonesia No. Kep00101/BEI/12-2021 on
Peraturan Nomor I-A: tentang Pencatatan Saham Amendmend to Regulation No. I-A: On the Listing
dan Efek Bersifat Ekuitas Selain Saham yang Shares and Non-Shares Equity Securities Issued
Diterbitkan oleh Perusahaan Tercatat. by Listed Companies.
Struktur Sekretaris Perusahaan Structure of Corporate Secretary

Secara struktur organisasi, sekretaris perusahaan In organizational structure, the company secretary
berada di bawah direktur utama. Sebagai fungsi is under the main director. As a corporate secretary
sekretaris perusahaan, Sekretaris Perusahaan function, the Corporate Secretary has the following
memiliki fungsi bidang, antara lain: functions:
1. Bank sebagai perusahaan terbuka, melaksanakan 1. Bank as a public company conducts corporate
tata kelola perusahaan khususnya terkait dengan governance particularly related to Capital Market;
Pasar Modal;
2. Stakeholder Management; 2. Stakeholder Management;
3. Komunikasi Korporasi; 3. Corporate Communication;
4. Kesekretariatan; 4. Secretarial;
5. Corporate Social Responsibility; 5. Corporate Social Responsibility;
6. Board Support. 6. Board Support.
President Director
Corporate Governance & Corporate Affairs

Regulation Department Head Department Head
Corporate Corporate Creative Event & Internal

Regulatory Secretary to
Governance Communications Board Support Relations
Junior Officer BOD & BOC
Junior Officer Junior Officer Junior Officer Junior Officer
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Tugas dan Tanggung Jawab Duties and Responsibilities of

Sekretaris Perusahaan Corporate Secretary
Sekretaris Perusahaan merupakan mediator yang The following The Corporate Secretary is a mediator
menghubungkan Bank dengan para pemangku that connects the Bank with stakeholders. The
kepentingan. Sekretaris Perusahaan juga Corporate Secretary also has a mission to support
mengemban misi dalam mendukung terciptanya the creation of a good image of the Bank in a
citra Bank yang baik secara konsisten dan consistent and continuos manner through effective
berkesinambungan melalui program komunikasi communication programs to stakeholders.
yang efektif kepada para pemangku kepentingan.
Tugas dan tanggung jawab Sekretaris Perusahaan, Tugas dan tanggung jawab Sekretaris Perusahaan,
merujuk pada POJK No. 35/POJK.04/2014 tentang merujuk pada POJK No. 35/POJK.04/2014 tentang
Sekretaris Perusahaan Emiten atau Perusahaan Sekretaris Perusahaan Emiten atau Perusahaan
Publik adalah sebagai berikut: Publik adalah sebagai berikut:
1. Mengikuti perkembangan Pasar Modal khususnya 1. To follow developments in the capital markets,
peraturan perundang-undangan yang berlaku di especially legislations in force in the capital market
bidang Pasar Modal. 2. Provide input to the Board of Directors and Board
2. Memberikan masukan kepada Direksi dan Dewan of Commissioners of the Public Company to
Komisaris Emiten atau Perusahaan Publik untuk comply with the legislations in the Capital Market
mematuhi ketentuan peraturan perundang-
undangan di bidang Pasar Modal.
3. Membantu Direksi dan Dewan Komisaris dalam 3. Assist the Board of Directors and Board of
pelaksanaan tata kelola perusahaan yang Commissioners in the implementation of
meliputi: corporate governance, which includes:
a. Keterbukaan informasi kepada masyarakat, a. Disclosure of information to the public,
termasuk ketersediaan informasi pada Situs including the availability of information on the
Web Emiten atau Perusahaan Publik. website of the Issuer or Public Company.
b. Penyampaian laporan kepada Otoritas Jasa b. Submission of reports to Financial Services
Keuangan tepat waktu. Authority in a timely manner.
c. Penyelenggaraan dan dokumentasi Rapat c. Implementation and documentation of the
Umum Pemegang Saham. General Meeting of Shareholders.
d. Penyelenggaraan dan dokumentasi rapat d. Implementation and documentation of
Direksi dan/atau Dewan Komisaris. the Board of Directors and/or Board of
e. Pelaksanaan program orientasi terhadap Commissioners meetings.
perusahaan bagi Direksi dan/atau Dewan e. Implementation of the orientation program
Komisaris. to the Board of Directors and/or Board of
4. Sebagai penghubung antara Emiten dengan Commissioners.
pemegang saham OJK dan pemangku 4. As a liaison between Issuers and Financial Services
kepentingan lainnya. Authority, shareholders, and other stakeholders.
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Profil Sekretaris Perusahaan Profile of Corporate Secretary

Posisi Sekretaris Perusahaan dijabat oleh Retno Tri The Corporate Secretary position is currently held by
Wulandari yang diangkat sejak 16 Mei 2017. Berikut Ms. Retno Tri Wulandari, who was appointed since
profil dari Sekretaris Perusahaan: 16 May 2017. The following is profile of Corporate
Secretary
Nama
Retno Tri Wulandari
Name
Warga Negara
Indonesia
Citizenship
Usia 37 tahun
Age 37 years old
Domisili
Jakarta
Domicile
Dasar Pengangkatan Surat keputusan Direksi No. 015/2017 PRESDIR tanggal 16 Maret 2017
Basis of Appointment Decree of the Board of Directors No. 015/2017/PRESDIR dated 16 March 2017
Rangkap Jabatan Tidak memiliki rangkap jabatan

Concurrent Positions Has no concurrent positions
Riwayat Pendidikan
Sarjana Akuntansi, STEKPI Jakarta, 2005
Educational
Bachelors Degree in Accounting, STEKPI Jakarta, 2005
Background
Riwayat Pekerjaan • Compliance Assistance, ABN AMRO Bank NV/RBS 2005-2010

Work Experience • Personal Assistance to Compliance Director, PT Bank Internasional Indonesia Tbk, 2014
• Personal Assistance to Presiden Director & Risk Management Human Capital Director PT. Bank
• Compliance Assistance, ABN AMRO Bank NV/RBS 2005-2010
• Personal Assistance to Compliance Director, PT Bank Internasional Indonesia Tbk, 2014
• Personal Assistance to Presiden Director & Risk Management Human Capital Director PT. Bank
Tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, Direksi dan Pemegang Saham
Hubungan Afiliasi Pengendali.
Affilliation Has no affiliated relations with members of the Board of Commissioners, Board of Directors, and
Controlling Shareholders
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Pengembangan Kompetensi Corporate Secretary Competency

Sekretaris Perusahaan Development
Sekretaris Perusahaan Bank Sinarmas, Ibu Retno Tri The Corporate Secretary of Bank Sinarmas, Ms. Retno
Wulandari terus mengembangkan kompetensinya, Tri Wulandari continues to develop her competence,
dengan rincian sebagai berikut: with the following details:
Tanggal dan Tempat

Pendidikan/Pelatihan Penyelenggaraan Penyelenggara
Education/Training Date and Place of Organizer
Event
20-Jan-21, melalui
Penerapan KSEI: e-Proxy and e-Voting Platform teknologi zoom
PTKSEI
KSEI Implementation: e-Proxy and e-Voting Platform 20-Jan-21, via zoom
technology
01-Feb-21, melalui
teknologi zoom
New Hope BSIM
01-Feb-21, via zoom
technology
Sosialisasi penggunaan sistem HCMS untuk proses pengajuan karyawan & 9-Feb-21, melalui
Recruitment teknologi zoom
BSIM
Socialization of the use of the HCMS system for the employee application 9-Feb-21, via zoom
process & Recruitment technology
9-Feb-21, melalui
teknologi zoom
Leadership Isn't About You. Its About Enpowering Other People ICSA
9-Feb-21, via zoom
technology
30-Mar-21, melalui
teknologi zoom
Be More Persuasive in Digital Era through The Right Public Speaking ICSA
30-Mar-21, via zoom
technology
13-Apr-21, melalui
Tujuan Pembangunan Berkelanjutan (SGD) teknologi zoom
AEI
Sustainable Development Goals (SGD) 13-Apr-21, via zoom
technology
14-Apr-21, melalui
Tujuan Pembangunan Berkelanjutan (SGD) teknologi zoom
AEI
Sustainable Development Goals (SGD) 14-Apr-21, via zoom
technology
30-Apr-21, melalui
"Tugas dan Fungsi Organ dalam Tata Kelola Perusahaan teknologi zoom
ICSA
“Duties and Functions of Organs in Corporate Governance 30-Apr-21, via zoom
technology
2-Jun-21, melalui
teknologi zoom
IDX-GRI-CDP sustainability learning series IDX-GRI-CDP
2-Jun-21, via zoom
technology
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Tanggal dan Tempat

Event
3-Jun-21, melalui
teknologi zoom
IDX-GRI-CDP sustainability learning series IDX-GRI-CDP
3-Jun-21, via zoom
technology
15-Jun-21, melalui
Keuangan Berkelanjutan dalam Pemulihan Ekonomi Nasional teknologi zoom
LPPI
Sustainable Finance in National Economic Recovery 15-Jun-21, via zoom
technology
Sosialisasi SE OJK No.16/SEOJK.04/2021 tentang Laporan Tahunan Emiten / 1-Sep-21, melalui

Perusahaan Publik teknologi zoom
OJK
Socialization of SE OJK No.16/SEOJK.04/2021 regarding the Annual Report of 1-Sep-21, via zoom
Issuers / Public Companies technology
Tata Kelola Komunikasi Corporate Secretary di tengah Direksi dan Dewan 9-Sep-21, melalui
Komisaris teknologi zoom
ICSA
Corporate Secretary Communication Governance in the midst of the Board of 9-Sep-21, via zoom
Directors and the Board of Commissioners technology
30-Sep-21, melalui
Operational Risk Management di Era Pandemi COVID-19 teknologi zoom
RDS
Operational Risk Management in the Era of the COVID-19 Pandemic 30-Sep-21, via zoom
technology
5-Okt-21, melalui
teknologi zoom
Changing Guide to Anti Procrastination BSIM
5-Oct-21, via zoom
technology
5-Nov-21, melalui
teknologi zoom
UMKM Go Online BSIM
5-Nov-21, via zoom
technology
Pelaksanaan Tugas dan Tanggung Implementation of Duties and

Jawab Tahun 2021 Responsibilities 2021
Sepanjang tahun 2021, pelaksanaan tugas dan During 2021, the implementation of duties and
tanggung jawab Corporate Secretary, mencakup: responsibilities of the Corporate Secretary includes:
1. Mengikuti perkembangan pasar modal khususnya 1. Followed the development of the capital market,
peraturan perundang-undangan yang berlaku in particular the applicable laws and regulations
di pasar modal, antara lain dengan memastikan in the capital market, among others by ensuring
kepatuhan atas peraturan baru yang dikeluarkan compliance with new regulations issued by the
oleh OJK, BEI dan regulator lain yang terkait OJK, IDX, and other regulators related to the
dengan pasar modal dan menyampaikan informasi capital market and conveying this information
tersebut serta memberi masukan kepada Direksi and providing suggestion to the Board of Directors
dan Dewan Komisaris. and Board of Commissioners.
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2. Membangun GCG Awareness untuk Direksi dan 2. Established GCG Awareness for the Board of
Dewan Komisaris serta melakukan pembaruan Directors and Board of Commissioners as well as
kebijakan-kebijakan internal, yaitu kebijakan yang updating internal policies, namely policies that
diperbaharui pada tahun 2021. were updated in 2021.
3. Menyelenggarakan Rapat Umum Pemegang 3. Organized the Annual General Meeting of
Saham Tahunan pada 29 Juni 2021. Shareholders on 29 June 2021.
4. Menyelenggarakan Public Expose pada 26 4. Organized a Public Expose on 26 November 2021.
November 2021.
5. Menyelenggarakan, menghadiri, dan membuat 5. Organizing, attending, and preparing minutes
risalah rapat yaitu rapat Dewan Komisaris, rapat of meetings, namely Board of Commissioners
Direksi, rapat gabungan Dewan Komisaris dan meetings, Board of Directors meetings, joint
Direksi, serta rapat Komite di bawah Dewan meetings of the Board of Commissioners and
Komisaris. Board of Directors, and meetings of Committees
under the Board of Commissioners.
6. Melakukan pelaporan berkala, laporan insidentil 6. Conducted periodic reporting, incidental reports,
serta keterbukaan informasi sesuai ketentuan and disclosure of information in accordance with
regulator. regulator regulations.
7. Memastikan informasi-informasi terkait korporasi 7. Ensuring that information related to corporation
telah dimuat dalam situs web Bank. has been posted on the Bank’s website.
8. Menyusun Laporan Tahunan Tahun 2020 dan 8. Prepared the 2019 Annual Report and submit it to
menyampaikan kepada regulator, pemegang regulators, shareholders, and the Bank’s parent
saham serta entitas induk Bank. entity.
9. Menjalin komunikasi dengan regulator dan 9. Established communication with regulators and
lembaga terkait. related institutions.
10. Melakukan keterbukaan informasi kepada 10. Conducted disclosure of information to employees
pegawai terkait aktivitas Perseroan dalam regarding the Company’s activities in the News
Lensa Berita dan CEO message dalam “Pesan Lens and CEO message in the “Management
Management”. Message”.
11. Mengkoordinasikan event korporasi. 11. Coordinate corporate events.
12. Meliput aktivitas kegiatan korporasi. 12. Reported corporate activities.
13. Menyusun dan melaksanakan program Corporate 13. Developed and implemented a Corporate Social
Social Responsibility dan sponsorship. Responsibility and sponsorship programs.
14. Melaksanakan kegiatan pengawalan/protokoler 14. Carried out escort/protocolary activities for the
Direksi dan Dewan Komisaris Directors and Board of Commissioners
15. Mengadministrasikan dan mengelola seluruh 15. Administered and managed all internal provisions
ketentuan internal Bank. of the Bank.
Aktivitas Komunikasi Korporasi Corporate Communication Activities

Sekretaris Perusahaan melakukan aktivitas Corporate Secretary conducted communication
komunikasi kepada para pemangku kepentingan activities to stakeholders through various
melalui beragam saluran komunikasi. Rincian communication channels. Details activities during
kegiatan selama tahun 2021 disampakan dalam tabel 2021 are presented in the table below.
di bawah ini.
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PELAKSANAAN KOMUNIKASI KORPORASI

Implementation of Corporate Communication
Tanggal Tempat Event Korporasi

No
Date Venue Corporate Event
15 Januari 2021 Langkah Pemerintah dalam Membangun Indonesia Tahun 2021

1 Webinar Zoom
15 January 2021 Government Steps in Developing Indonesia in 2021
18 Februari 2021 Cerdas Ambil Keputusan di Tengah Tren Investasi

2 Webinar Zoom
18 February 2021 Make Smart Decisions Amid Investment Trends
04 Maret 2021
3 Webinar Zoom Coffee Talk with CFO “The Evolving World of CFO”
04 March 2021
29 Maret 2021
4 Webinar Zoom Inflation : Two Sides of A
29 March 2021
Pemeriksaan Lanjutan Pasca Vaksinasi COVID-19

5 21 April 2021
Follow-up Examination After COVID-19 Vaccination
03 Juni 2021 Pasar Modal Indonesia

6 Webinar Zoom
03 June 2021 Indonesian Capital Market
23 Juni 2021
7 Webinar Zoom Exploiting The Cyber, Catching The Vulnerbailities Securing The State
23 June 2021
8 01 September 2021 Webinar Zoom COVID-19 : What You Need to Know
07 Oktober 2021 Dampak Tapering The Fed Terhadap Perekonomian Indonesia

9 Webinar Zoom
07 October 2021 The Impact of The Fed’s Tapering on the Indonesian Economy
21 Oktober 2021 Competitive FX Price with Special on-Call Rates

10 Webinar Zoom
21 October 2021
Pelatihan UMKM Go Online

11 05 November 2021 Webinar Zoom
Go Online MSME Training
RINCIAN PELAKSANAAN SIARAN PERS

Rincian Pelaksanaan Siaran Pers
Judul Tanggal
Title Date
Bank Sinarmas Go Digital, Buka Rekening 100% Online 24 Februari 2021

Bank Sinarmas Go Digital, Open 100% Online Account 24 February 2021
Bank Sinarmas Unit Usaha Syariah Dorong Optimalisasi Penyaluran KUR 31 Maret 2021
Bank Sinarmas Sharia Business Unit Encourages Optimization of KUR . Distribution 31 March 2021
Dukung Pemulihan Ekonomi Nasional, Bank Sinarmas Salurkan Kredit Usaha Rakyat 28 April 2021
Supporting National Economic Recovery, Bank Sinarmas Distributes People’s Business Credit
Kembangkan Inovasi Digital, Bank Sinarmas Kenalkan PRISSA 30 April 2021

Develop Digital Innovation, Bank Sinarmas Introduces PRISSA
UUS Bank Sinarmas Gandeng Trihamas Finance Syariah 28 Mei 2021

UUS Bank Sinarmas Collaborates with Trihamas Finance Syariah 28 May 2021
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Melalui Program Green Saving Menabung di Bank Sinarmas, Gratis Solar Panel SUNterra Juni 2021
Through the Green Saving Program Saving at Bank Sinarmas, Free Solar Panel SUNterra June 2021
Edukasi Keamanan Siber, Bank Sinarmas Gelar WRECK-IT 2.0 23 Juni 2021
Cyber Security Education, Bank Sinarmas Holds WRECK-IT 2.0 23 June 2021
Bank Sinarmas Optimalkan Layanan Digital di tengah PPKM Darurat 21 Juli 2021
Bank Sinarmas Optimizing Digital Services amidst Emergency PPKM 21 July 2021
Perbanyak Pengguna, Ultra Voucher Gandeng Bank Sinarmas 23 Agustus 2021

More Users, Ultra Voucher Collaborates with Bank Sinarmas 23 August 2021
Dorong Transaksi Digital, Bank Sinarmas Integrasikan Layanan Perbankan 06 September 2021
Encouraging Digital Transactions, Bank Sinarmas Integrates Banking Services
Lanjutkan Digitalisasi, Bank Sinarmas Luncurkan Kartu Kredit Virtual 14 September 2021
Continue Digitization, Bank Sinarmas Launches Virtual Credit Card
Bank Sinarmas Bikin Rumah Oksigen Gotong Royong Bantu Penanganan COVID 22 September 2021
Bank Sinarmas Builds an Oxygen House Together to Help Handling COVID
Dukung Kampus Merdeka, UUS Bank Sinarmas Gandeng Universitas Brawijaya 12 Oktober 2021
Supporting the Merdeka Campus, UUS Bank Sinarmas Collaborates with Universitas Brawijaya 12 October 2021
Desa Binaan Bank Sinarmas Ikuti (Menangkan) Kompetisi Pokja PKK Jawa Barat 25 Oktober 2021
Bank Sinarmas Assisted Villages Join (Win) West Java PKK Pokja Competition 25 October 2021
Dorong Inklusi Keuangan, UUS Bank Sinarmas Salurkan Infaq Pakai QRIS 30 Oktober 2021
Encouraging Financial Inclusion, Bank Sinarmas UUS Distributes Infaq Using QRIS 30 October 2021
Dorong UMKM go online, Bank Sinarmas gandeng Shopee 12 November 2021

Encouraging MSMEs to go online, Bank Sinarmas collaborates with Shopee
Giatkan Inklusi Keuangan, Bank Sinarmas Syariah Dorong Ekonomi 25 Mesjid di Kota dan 16 November 2021
Kabupaten Bandung
Encouraging Financial Inclusion, Bank Sinarmas Syariah Encourages Economy of 25 Mosques in
Bandung City and Regency
Bank Sinarmas Syariah Bangun Ekosistem Pembayaran Elektronik melalui Masjid-Masjid di 21 Desember 2021
Kabupaten Jember 21 December 2021
Bank Sinarmas Syariah Builds Electronic Payment Ecosystem through Mosques in Jember
Regency
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SATUAN KERJA AUDIT INTERNAL

INTERNAL AUDIT UNIT
Satuan Kerja Audit Internal (SKAI) merupakan fungsi The Internal Audit Unit (SKAI) is an independent
independen yang bertanggung jawab langsung function that reports directly to the President Director.
kepada Direktur Utama. SKAI berperan sebagai mitra SKAI acts as a strategic business partner for all levels of
bisnis strategis bagi semua tingkatan manajemen management and functions to provide independent
dan berfungsi memberikan assurance dan konsultasi and objective assurance and consulting to increase
yang bersifat independen dan objektif untuk value and improve bank operations through a
meningkatkan nilai dan memperbaiki operasional systematic approach, by evaluating and improving
bank melalui pendekatan yang sistematis, dengan the effectiveness of risk management, control, and
cara mengevaluasi dan meningkatkan efektivitas bank governance processes.
manajemen risiko, pengendalian, dan proses tata
kelola bank.
Visi dan Misi SKAI Vision and Mission of IAU

Dalam menjalankan fungsinya, SKAI memiliki visi dan In carrying out its functions, SKAI has a vision and
misi yang sejalan dengan visi dan misi Bank Sinarmas: mission that is in line with the vision and mission of
Bank Sinarmas:
Visi Vision
Menjadi mitra bisnis yang profesional, independen To become professional, independent, and objective
dan objektif bagi manajemen untuk mendukung business partner of the management in achieving
terwujudnya Bank Sinarmas menjadi bank Bank Sinarmas as the leading bank in Indonesia with
terkemuka di Indonesia dengan jaringan distribusi integrated distribution network and excellent services.
yang terintegrasi dan layanan prima.
Misi Mission
Melaksanakan kegiatan assurance dan konsultasi To conduct independent and objective assurance
yang independen dan objektif, untuk memberikan and consulting services, to provide added value
nilai tambah dalam peningkatan sistem pengendalian in improving robust internal control system and
internal yang kuat dan meminimalkan risiko melekat minimize risk inherent to the bank’s business
pada aktivitas dan jaringan distribusi bisnis bank. distribution network and activities.
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Struktur dan Kedudukan SKAI IAU Structure and Position

Struktur dan kedudukan SKAI diatur dalam The structure and position of SKAI is regulated in POJK
POJK No.1/POJK.03/2019 tanggal 29 Januari 2019 No.1/POJK.03/2019 dated January 29, 2019 concerning
tentang Penerapan Fungsi Audit Intern pada Bank the Implementation of the Internal Audit Function
Umum. SKAI dipimpin oleh Kepala SKAI. Direktur in Commercial Banks. SKAI is led by the Head of
Utama dengan persetujuan Dewan Komisaris dan SKAI. The President Director with the approval of the
pertimbangan rekomendasi Komite Audit memiliki Board of Commissioners and consideration of the
wewenang untuk mengangkat dan memberhentikan recommendations of the Audit Committee has the
kepala SKAI apabila yang bersangkutan dinilai tidak authority to appoint and dismiss the head of SKAI if
bisa menjalankan tugas sesuai dengan tanggung the person concerned is deemed unable to carry out
jawabnya. his duties in accordance with his responsibilities.
Kepala SKAI Bank Sinarmas diangkat melalui The Head of SKAI of Bank Sinarmas is appointed
Keputusan Direksi No. SK.0240/2021/PRESDIR-HCRS through the Decree of the Board of Directors No.
tanggal 26 Januari 2021, dan sudah dilaporkan kepada SK.0240/2021/PRESDIR-HCRS dated January 26, 2021,
Otoritas Jasa Keuangan melalui surat SKL.035/2021/ and has been reported to the Financial Services
PRESDIR tanggal 17 Februari 2021. Authority via letter SKL.035/2021/PRESDIR dated
February 17, 2021.
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PROFIL KEPALA SATUAN KERJA AUDIT INTERNAL (SKAI)

Profile of Head of Internal Audit
Nama Frieda Junia

Name

Citizenship
Usia 49 tahun
Age 49 years old
Domisili Jakarta
Domicile
Dasar Pengangkatan Surat Keputusan No. 0240/2021/PRESDIR-HCRS tanggal 26 Januari 2021

Basis of Appointment Decree No. 0240/2021/PRESDIR-HCRS January 26, 2021

Concurrent Positions None
Riwayat Pendidikan Sarjana Ekonomi Akuntansi Universitas Pendidikan Nasional 1996.

Educational 1996 Bachelor of Economics in Accounting, National Education University.
Background
Sertifikasi • Manajemen Risiko Level 4

Certifications • General Banking Syariah Level 1
• Risk Management Level 4
• Sharia General Banking Level 1
Riwayat Pekerjaan Mengawali karir di Bank International Indonesia pada tahun 1996, kemudian bergabung dengan
Affilliation dengan PT Permata Bahari Mandiri (tourism industry) dan selanjutnya mengembangkan karir
dalam bidang perbankan pada Bank Commenwealth, Bank OCBC NISP, Deutcshe Bank AG, dan
pada tahun 2021 bergabung dengan Bank Sinarmas.
He started his career at Bank International Indonesia in 1996, then joined PT. Permata Bahari Mandiri
(tourism industry) and subsequently developed a career in banking at Bank Commenwealth, Bank
OCBC NISP, Deutcshe Bank AG, and in 2021 joined Bank Sinarmas.
Affiliated Relations Pengendali.
No affiliations with members of the Board of Commissioners, Directors and Controlling Shareholders.
Kedudukan SKAI dalam struktur organisasi Bank The position of SKAI in the organizational structure
Sinarmas berdasarkan Surat Keputusan No.108/2021/ of Bank Sinarmas based on Decree No. 108/2021/
PRESDIR tanggal 1 Desember 2021 adalah sebagai PRESDIR dated December 1, 2021 is as follows:
berikut:
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Board of Directors
President Director Audit Committee
Internal Audit Group Head
Treasury & Risk Branch

Credit Risk Head Office IT Digital
Management Network &
Audit Division Audit Divison Banking Audit
Audit Division Sharia Audit
Head Head Division Head
Head Division Head
Audit Methodology
& Quality Assurance
Department Head
Kepala SKAI dapat berkomunikasi langsung The Head of the IAU can communicate directly with
dengan Dewan Komisaris atau Komite Audit untuk the Board of Commissioners or the Audit Committee
menginformasikan berbagai hal yang berhubungan to inform various matters related to audit. This was
dengan audit. Hal itu dilakukan guna mendukung done in order to support independence and ensure
independensi dan menjamin kelancaran audit serta the smooth implementation of audit as well as the
wewenang dalam melakukan pemantauan tindak authority to conduct follow-up monitoring.
lanjut.
Manajemen dan Dewan Komisaris memberikan The management and the Board of Commissioners
dukungan penuh kepada SKAI agar para auditor provide full support to the IAU, enabling auditors to
dapat memperoleh kerja sama dari auditee dan receive cooperation from auditees and carry out their
melakukan pekerjaan tanpa hambatan. work without obstruction.

Tugas dan tanggung jawab SKAI sesuai acuan POJK The duties and responsibilities of SKAI according to
No. 1/POJK.03/2019 tentang penerapan fungsi audit POJK No. 1/POJK.03/2019 regarding the implementation
intern pada bank umum adalah sebagai berikut: of the internal audit function in commercial banks are
as follows:
1. Membantu tugas Direktur Utama dan Dewan 1. Assisting the duties of the President Director
Komisaris dalam melakukan pengawasan and the Board of Commissioners in conducting
dengan cara menjabarkan secara operasional supervision by describing the planning,
baik perencanaan, pelaksanaan, maupun implementation, and monitoring of audit results
pemantauan hasil audit. in operational terms.
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2. Melakukan pemeriksaan dan penilaian atas 2. Analyzing and assessing the efficiency and
efisiensi dan efektivitas di bidang keuangan, effectiveness of finance, accounting, operations,
akuntansi, operasional, sumber daya manusia, human resources, marketing, information
pemasaran, teknologi informasi, dan kegiatan technology and other activities.
lainnya.
3. Memberikan saran perbaikan dan informasi yang 3. Providing objective information and suggestions
objektif tentang kegiatan yang diperiksa kepada for improvements on activities that are reviewed
semua tingkatan manajemen serta melakukan to all levels of management as well as conducting
pemantauan secara intensif atas realisasi intensive monitoring on the realization of
perbaikan (correction) dan rencana tindak lanjut correction and corrective action plans decided by
perbaikan (corrective action plan) yang telah the management.
diputuskan oleh manajemen.
4. Memiliki program pengembangan SDM untuk 4. Have a human resource development program
mempertahankan anggota SKAI yang profesional, to maintain professional IAU members, who have
yang memiliki pengetahuan, kompetensi, adequate knowledge, competence, skills and
keterampilan dan pengalaman yang memadai experience to carry out their duties in accordance
untuk dapat melaksanakan tugasnya sesuai with the internal audit standards.
standar audit intern.
5. Melakukan evaluasi secara berkesinambungan 5. Conducting continuous evaluation of the
atas mutu kegiatan audit (quality assurance), quality assurance, which is carried out through
yang dilakukan melalui supervisi terhadap supervision to the work of internal auditors
pekerjaan auditor intern dan mewajibkan and requiring auditors to review their work
auditor untuk menelaah kualitas pekerjaan yang quality result and pay attention towards quality
dihasilkan serta memperhatikan penilaian mutu assessments of the audit activities carried out by
kegiatan audit yang dilakukan pihak ekstern. external parties.
6. Menjalankan tugas Satuan Kerja Audit 6. Carry out the duties of the Integrated Audit
Terintegrasi dan menyampaikan laporan Work Unit and submit integrated internal audit
audit intern terintegrasi kepada Direktur yang report to the appointed Director to conduct the
ditunjuk untuk melakukan fungsi pengawasan supervisory function of the LJK in the Financial
terhadap Lembaga Jasa Keuangan (LJK) dalam Conglomeration and the Board of Commissioners
Konglomerasi Keuangan dan Dewan Komisaris of the Main Entity as well as the Director who is
Entitas Utama serta Direktur yang membawahkan in charge to the compliance function of the Main
fungsi kepatuhan Entitas Utama. Entity’s.
Wewenang SKAI Authority of IAU

Adapun kewenangan yang dimiliki oleh SKAI adalah The authorities of IAU are as follows:
sebagai berikut:
1. Kepala SKAI diberi kebebasan dalam menetapkan 1. The Head of IAU has authorities to determine the
metode, cara, teknik, dan pendekatan audit yang audit methods, techniques, and audit approaches
dilakukan sesuai dengan profesi dan standar to be carried out according to the profession and
audit intern. internal audit standards.
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2. Kepala SKAI dan seluruh anggota SKAI diberi 2. The Head and all members of IAU are fully given
wewenang penuh untuk mengakses seluruh the authority to access all relevant information
informasi yang relevan tentang bank terkait about the bank related to the duties and functions
dengan tugas dan fungsi SKAI. of the IAU.
3. Melakukan komunikasi secara langsung dengan 3. Melakukan komunikasi secara langsung dengan
Direksi, Dewan Komisaris, dan Komite Audit serta Direksi, Dewan Komisaris, dan Komite Audit serta
Dewan Pengawas Syariah. Dewan Pengawas Syariah.
4. Menyelenggarakan rapat secara berkala dan 4. Conduct regular and incidental meetings with the
insidentil dengan Direksi, Dewan Komisaris, dan Board of Directors, the Board of Commissioners,
Komite Audit, serta Dewan Pengawas Syariah. the Audit Committee, and the Sharia Supervisory
Board.
5. Melakukan komunikasi secara langsung 5. Melakukan komunikasi secara langsung
dengan Pengawas OJK melalui rapat yang dengan Pengawas OJK melalui rapat yang
diselenggarakan paling sedikit satu tahun sekali diselenggarakan paling sedikit satu tahun sekali
sesuai yang dipersyaratkan dalam POJK No.1/ sesuai yang dipersyaratkan dalam POJK No.1/
POJK.03/2019 tentang Penerapan Fungsi Audit POJK.03/2019 tentang Penerapan Fungsi Audit
Intern Pada Bank Umum. Intern Pada Bank Umum.
6. Melakukan koordinasi kegiatan dengan auditor 6. Conduct the activities coordination with external
ekstern untuk memastikan kecukupan ruang auditors to ensure the adequacy of the audit
lingkup audit dan menghindari duplikasi scope and avoid duplication of audits.
pemeriksaan.
7. Mengikuti rapat yang bersifat strategis tanpa 7. Attend strategic meetings without having voting
memiliki hak suara. rights.
Piagam Audit Internal Internal Audit Charter

Sebagai pedoman dalam menjalankan tugas dan As a guideline in carrying out its duties and
tanggung jawabnya, SKAI Bank Sinarmas telah responsibilities, Bank Sinarmas SKAI has an Internal
memiliki Piagam Audit Intern Revisi 6.0 yang Audit Charter Revision 6.0 which was ratified through
disahkan melalui SK.056/2021/PRESDIR-SKAI tanggal SK.056/2021/PRESDIR-SKAI on 7 June 2021. This
7 Juni 2021. Piagam ini telah diunggah pada website charter has been uploaded on the Bank Sinarmas
Bank Sinarmas, sehingga dapat diakses oleh seluruh website, so that it can be accessed by all stakeholders.
pemangku kepentingan. Landasan hukum Piagam The legal basis for the Bank Sinarmas Internal Audit
Audit Intern Bank Sinarmas mengacu pada: Charter refers to:
POJK.03/2019 tanggal 29 Januari 2019 tentang POJK.03/2019 dated 29 January 2019 on the
Penerapan Fungsi Audit Intern pada Bank Umum. Application of Internal Audit Functions in
Commercial Banks.
2. Surat Edaran Otoritas Jasa Keuangan Nomor 2. Circular Letter of Financial Services Authority
35/ SEOJK.03/2017 tanggal 7 Juli 2017 tentang No. 35/ SEOJK.03/2017 dated 7 July 2017 on the
Pedoman Standar Sistem Pengendalian Intern Standard Guidelines of Internal Control System
bagi Bank Umum. for Commercial Banks.
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3. Peraturan Otoritas Jasa Keuangan Nomor 18/ 3. Financial Services Authority Regulation No.
POJK.03/2016 tanggal 22 Maret 2016 tentang 18/POJK.03/2016 dated 16 March 2016 on the
Penerapan Manajemen Risiko bagi Bank Umum. Application of Risk Management for Commercial
Banks.
4. Peraturan Otoritas Jasa Keuangan Nomor 4. Financial Services Authority Regulation 18/
18/POJK.03/2014 tanggal 18 November 2014 POJK.03/2014 dated 19 November 2014 on the
tentang Penerapan Tata Kelola Terintegrasi bagi Implementation of Integrated Governance for
Konglomerasi Keuangan. Financial Conglomerates.
5. International Standards for The Professional 5. International Standards for The Professional
Practice of Internal Auditing (Standards), 1 Januari Practice of Internal Auditing (Standards), 1 Januari
2017. 2017
Materi ketentuan Piagam Audit Intern Bank Sinarmas Materi ketentuan Piagam Audit Intern Bank Sinarmas
Revisi 6.0 sebagai berikut: Revisi 6.0 sebagai berikut:
1. Struktur dan kedudukan SKAI. 1. Structure and position of the IAU.

2. Tanggung jawab dalam pelaksanaan fungsi Audit 2. Responsibility in the implementation of the
Intern. Internal Audit function.
3. Tugas dan tanggung jawab SKAI. 3. Duties and responsibilities of IAU.
4. Wewenang SKAI. 4. Authorities of IAU.
5. Tanggung jawab dan akuntabilitas Kepala SKAI. 5. Responsibility and accountability of the Head of
IAU.
6. Persyaratan auditor. 6. Auditor requirements.
7. Independensi dan objektivitas. 7. Independency and objectivity.
8. Larangan perangkapan tugas dan jabatan Audit 8. Prohibition of concurrent duties and positions of
Intern. Internal Audit.
9. Standar pelaksanaan audit. 9. Audit implementation standards.
10. Pengkinian Piagam Audit Intern. 10. Update of the Internal Audit Charter.
11. Penggunaan jasa pihak eksternal dalam 11. Utilization of services of external parties in
pelaksanaan Audit Intern. conducting Internal Audit.
12. Hubungan SKAI dengan unit kerja pengendalian 12. Relationship between the Internal Audit Unit and
dan Auditor Ekstern atau Ahli Hukum. the controlling work unit and the External Auditor.
13. Pembatasan penugasan, penggunaan jasa dan 13. Limitation of assignment, use of services, and
cooling off period. cooling off period.
14. Kode Etik Audit Intern. 14. Internal Audit Code of Ethics.
15. Kewajiban pelaporan kepada Otoritas Jasa 15. Obligation to report to the Financial Services
Keuangan. Authority.
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Ruang Lingkup Pekerjaan SKAI Scope of Work of the IAU

Ruang lingkup pekerjaan SKAI mencakup evaluasi The scope of work of SKAI includes evaluating and
dan memberikan kontribusi atas proses pengendalian contributing to the internal control process, improving
internal, perbaikan pengelolaan risiko dan tata kelola risk management and governance of the Bank’s
kegiatan Bank, meliputi: activities, including:
1. Kecukupan struktur pengendalian internal, 1. The adequacy of the internal control structure,
yaitu untuk menentukan sampai seberapa jauh namely to determine to what extent the
sistem yang telah ditetapkan dapat diandalkan established system is reliable in its ability to
kemampuannya untuk memberikan keyakinan provide sufficient confidence that the bank’s goals
yang memadai bahwa tujuan dan sasaran bank and objectives can be achieved in an efficient and
dapat dicapai secara efisien dan ekonomis. economical manner.
2. Efektivitas dari kegiatan penerapan manajemen 2. The implementation effectiveness of bank risk
risiko bank berdasarkan perkembangan eksposur management activities based on developments
risiko, perubahan pasar, dan metode pengukuran in risk exposure, market changes, and risk
dan pengelolaan risiko, serta proses tata kelola measurement and management methods, as
perusahaan yang baik. well as processes of good corporate governance.
3. Efektivitas struktur pengendalian internal, 3. The effectiveness of internal control structures,
yaitu untuk menentukan sejauh mana struktur namely to determine the extent to which these
tersebut sudah berfungsi seperti yang diinginkan. structures are functioning as desired.
4. Kualitas kinerja, yaitu untuk menentukan sejauh 4. Quality of performance, namely to determine
mana tujuan dan sasaran organisasi telah dicapai, the extent to which the goals and objectives of
termasuk kewajiban laporan keuangan. the organization have been achieved, including
financial reporting obligations.
Kualifikasi dan Jumlah SKAI IAU Qualification and Quantity

Jumlah dan kualifikasi jabatan personil SKAI per posisi The number and qualifications of internal audit
31 Desember 2021, dapat dilihat pada tabel berikut: personnel positions as of 31 December 2021, can be
viewed in the following table:
S2 S1
Keterangan Jumlah
Masters Bachelors
Description Total
Degree Degree
Kepala SKAI | Head of IAU - 1 1
Kepala Divisi | Division Head 1 4 5
Kepala Departemen | Department Head - 12 12
Kepala Seksi | Section Head 1 23 24
Auditor | Auditor 4 38 42
Total 6 78 84
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Sertifikasi Auditor Internal Internal Auditor Certification

Auditor internal telah dipersyaratkan untuk nternal auditors are required to obtain Internal
memperoleh sertifikasi profesi Audit Internal seperti Audit professional certifications such as Certified
Certified Bank Internal Auditor (CBIA), serta Program Bank Internal Auditor (CBIA), and Program Other
sertifikasi profesi lain yang telah diikuti yaitu Certified professional certifications that have been followed
Risk Management (UKMR) dan General Banking are Certified Risk Management (UKMR) and General
Syariah (GBS) dengan jumlah sertifikasi yang dimiliki Banking Sharia (GBS) with the number of certifications
sebagai berikut: owned as follows:
SERTIFIKASI AUDITOR INTERNAL

Internal Auditor Certification
Nama Sertifikasi Jumlah

Name of Certification Total
CBIA 1 36
CBIA 2 33
UKMR 1 31
UKMR 2 15
UKMR 3 5
UKMR 4 1
GBS 1 8
Keterangan :
CBIA 1 : Certified Bank Internal Auditor Level Auditor
CBIA 2 : Certified Bank Internal Auditor Level Supervisor
UKMR 1 : Uji Kompetensi Manajemen Risiko Level 1
GBS 1 : General Banking Syariah Tingkat 1
Remarks :
CBIA 1 : Certified Bank Internal Auditor Level Auditor
CBIA 2 : Certified Bank Internal Auditor Level Supervisor
UKMR 1 : Risk Management Competency Test, Level 1
GBS 1 : Sharia General Banking, Level 1
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Pengembangan Kompetensi Audit Internal Audit Competency

Internal Development
Bank Sinarmas memberikan fasilitas pengembangan Bank Sinarmas provides competency development
kompetensi berupa pelatihan dan sertifikasi facilities in the form of training and certification
kepada SKAI untuk menunjang kinerjanya. Rincian to SKAI to support its performance. Details of the
pelaksanaan kegiatan pengembangan kompetensi implementation of human resource (HR) competency
sumber daya manusia (SDM) di lingkungan SKAI pada development activities within SKAI in 2021 are
tahun 2021 disampaikan dalam tabel berikut. presented in the following table.
RINCIAN PENGEMBANGAN KOMPETENSI KEPALA SKAI

Details of Head of IAU’s Competency Development
Tanggal dan Tempat

Event
Quality Assurance & Improvement Program (QAIP) Benchmarking Juli 2021/ Jakarta
IAIB
Survey in Indonesian Banking Industry July 2021/ Jakarta
Juli 2021/ Jakarta

Be Extra-ordinary You IAIB
July 2021/ Jakarta
September 2021/
Audit Methodology & Essential Skill and Practise IAIB
Jakarta
Pelaksanaan Program Refreshment Deklarasi Anti Fraud dan Pakta

Integritas September 2021/
Bank Sinarmas
Implementation of the Anti-Fraud Declaration Refreshment Program Jakarta
and Integrity Pact
Peran Internal Audit dalam Penguatan Tata Kelola dan Implementasi

ISO 37001: Anti Suap pada Industri Jasa Keuangan
Desember 2021/ Jakarta
The Role of Internal Audit in Strengthening Governance and IAIB
December 2021/ Jakarta
Implementation of ISO 37001: Anti-Bribery in the Financial Services
Industry
Pendidikan Dasar Perbankan Syariah (PDPS) Desember 2021/ Jakarta

Bank Sinarmas
Islamic Banking Basic Education (PDPS) December 2021/ Jakarta
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RINCIAN PENGEMBANGAN KOMPETENSI SDM SKAI

Details of SKAI HR Competency Development
Nama Pelatihan
No
Name of Trainings
1 Audit Methodology & Essential Skill and Practise
2 Be Extra-ordinary You
3 Cyber Security
4 National Conference & GRC Forum “Internal Audit Back to The Future Emerging from The Crisis”
5 Pemeriksaan Single Customer View (SCV)

Single Customer View (SCV) Check
6 AML-CTF: Regulations Update and How to Audit
7 Audit for Treasury Banking
8 Audit Methodology: A Guidance to Risk-Based Approach
9 Audit Report Writing: Bring Your Report to Management's Attention
10 Auditing PSAK 71
11 Retail Credit: Theory & How to Audit
12 Remote Auditing: How to Keep an Effective Audit
13 IT Risk Management in Banking Sector
14 Training dan Sertifikasi UKMR Online Level 1

Online UKMR Training and Certification Level 1
15 Training dan Sertifikasi UKMR Online Level 2

Online UKMR Training and Certification Level 2
16 Artificial Intelligence Audit In Treasury Transactions
17 Training dan Sertifikasi Audit Intern Bank Level Auditor Publik Online
Online Training and Certification of the Bank Internal Audit for Public Auditor Level
18 Training dan Sertifikasi Audit Intern Bank Level Supervisor Publik Online
Online Training and Certification of the Bank Internal Audit for Public Supervisor Level
19 Pendidikan Dasar Perbankan Syariah (PDPS)

Islamic Banking Basic Education (PDPS)
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Jawab Tahun 2021 Responsibilities 2021
Sepanjang tahun 2021, SKAI telah merealisasikan During 2021, the IAU has realized the duties and
tugas dan tanggung jawab yang dijelaskan dalam responsibilities described in the following table.
tabel di bawah ini.
RINCIAN PENGEMBANGAN KOMPETENSI SDM SKAI

Details of SKAI HR Competency Development
Area Jenis Pemeriksaan Kantor Cabang* Kantor Cabang Syariah** Unit Kerja
Type of Audit Branch Office* Sharia Branch Office Work Unit
Pemeriksaan Tahunan 17 3 32
Pemeriksaan Khusus - - 6
Total 17 3 38
Keterangan | Remarks:
*Termasuk KC, KCP, KK, KFO, UPK dan KF UMK | Include KC, KCP, KK, KFO, UPK, and KF UMK
** Termasuk KCS, KKS, KFS dan UPKS | Include KCS, KKS, KFS, and UPKS
AKUNTAN PUBLIK/AUDITOR EKSTERNAL

PUBLIC ACCOUNTANT/EXTERNAL AUDITOR
RUPS Tahunan tanggal 29 Juni 2021 memutuskan The Annual GMS on June 29, 2021 decided to appoint
penunjukkan Kantor Akuntan Publik Mirawati the Public Accounting Firm of Mirawati Sensi Idris to
Sensi Idris untuk melakukan Audit Umum Laporan conduct a General Audit of the Financial Statements
Keuangan Bank Sinarmas. Dalam penugasannya of Bank Sinarmas. In his assignment, the Mirawati
Kantor Akuntan Publik Mirawati Sensi Idris telah Sensi Idris Public Accounting Firm has fulfilled the
memenuhi aspek berikut: following aspects:
1. Kapasitas KAP yang ditunjuk 1. Capacity of the appointed KAP
2. Legalitas perjanjian kerja 2. Legality of work contract
3. Ruang lingkup audit 3. Audit scope of work
4. Standar profesional akuntan publik 4. Professional standards of public accountants
5. Komunikasi Otoritas Jasa Keuangan (OJK) 5. Communication between Financial Service
dengan KAP dimaksud Authority with the KAP
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Periode Kantor Akuntan Publik dan Public Accountant Office and Public
Akuntan Publik Accountant Period
Laporan Keuangan posisi akhir bulan Desember yang Financial Report as of end of December published
diumumkan secara triwulanan dan tahunan wajib quarterly and annually shall be audited by Public
diaudit oleh Akuntan Publik yang terdaftar di Otoritas Accountant registered in the OJK as stated in the POJK
Jasa Keuangan sebagaimana tercantum dalam No.6/POJK.03/2015 on Transparency and Publication
POJK No.6/POJK.03/2015 tentang Transparansi dan of Bank Report article 6.
Publikasi Laporan Bank pasal 6.
Selama 5 (lima) tahun terakhir RUPS Tahunan For the last 5 (five) years the Annual GMS has
memutuskan penunjukan KAP Mirawati Sensi Idris decided to appoint KAP Mirawati Sensi Idris with the
dengan alamat kantor Intiland Tower Lantai 7, Jl. office address Intiland Tower 7th Floor, Jl. General
Jenderal Sudirman Kav. 32, Jakarta 10220 untuk Sudirman Kav. 32, Jakarta 10220 to audit the Financial
melakukan audit Laporan Keuangan Bank Sinarmas. Statements of Bank Sinarmas. The use of KAP services
Penggunaan jasa KAP ditujukan untuk melakukan is intended to audit the Bank’s financial statements
audit laporan keuangan Bank dan tidak ada jasa and no other services are provided. The details of the
lain yang diberikan. Perincian Akuntan Publik yang Public Accountants assigned by KAP are as follows:
ditugaskan oleh KAP sebagai berikut:
Nomor Izin Akuntan Publik Biaya

Nama Akuntan Periode Laporan Keuangan
Public Accountant License (Rp)
Name of Accountant Financial Statements Period
Number Fees (Rp)
Yelly Warsono Izin Akuntan Publik Laporan Keuangan Periode 31 >1.000.000.000

No.AP.0148 Desember 2021
Public Accountant License Financial Statements as of 31
No. AP.0148 December 2021
Maria Leckzinska Izin Akuntan Publik No. Laporan Keuangan Periode 31 >1.000.000.000
AP.0155 Desember 2020
Maria Leckzinska Izin Akuntan Publik No. Laporan Keuangan Periode 31 >1.000.000.000
AP.0155 Desember 2019
Yelly Warsono Izin Akuntan Publik Laporan Keuangan Periode 31 <1.000.000.000

Yelly Warsono Izin Akuntan Publik Laporan Keuangan Periode 31 <1.000.000.000

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SATUAN KERJA KEPATUHAN

COMPLIANCE UNIT
Perkembangan teknologi informasi, globalisasi, dan The development of information technology,

integrasi pasar keuangan meningkatkan kompleksitas globalization, and the integration of financial markets
kegiatan usaha bank. Hal ini memberikan dampak have increased the complexity of bank business
sangat besar terhadap eksposur risiko yang dihadapi activities. This has a very large impact on the risk
oleh bank, sehingga diperlukan upaya preventif (ex- exposure faced by banks, so preventive (ex-ante)
ante) maupun kuratif (ex-post) untuk memitigasi and curative (ex-post) efforts are needed to mitigate
risiko. Secara preventif (ex-ante), Bank dapat risk. Preventively (ex-ante), the Bank can anticipate
melakukan antisipasi dini melalui peningkatan peran early through increasing the role and function of
dan fungsi kepatuhan serta Satuan Kerja Kepatuhan compliance as well as the Compliance Work Unit
(SKK). (SKK).
Fungsi Kepatuhan adalah serangkaian langkah- The Compliance Function is a series of steps to
langkah untuk mengantisipasi perkembangan anticipate the growing challenges and risks of a bank’s
tantangan dan risiko usaha bank yang semakin business which is getting bigger. The compliance
besar. Fungsi kepatuhan diatur dalam POJK No. 46/ function is regulated in POJK No. 46/POJK.03/2017
POJK.03/2017 tentang Pelaksanaan Fungsi Kepatuhan concerning the Implementation of the Compliance
bagi Bank Umum. Function for Commercial Banks.
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Bank Sinarmas melaksanakan fungsi kepatuhan Bank Sinarmas carries out this compliance function
ini melalui organ kepatuhan yang dipimpin oleh through a compliance organ led by a member of the
salah satu anggota Direksi sebagai Direktur Board of Directors as the Director in charge of the
yang membawahi fungsi kepatuhan, dan dalam compliance function, and in carrying out its duties is
pelaksanaan tugasnya dibantu oleh SKK. SKK assisted by the Compliance Work Unit (SKK). SKK is
bertanggung jawab untuk melaksanakan fungsi responsible for carrying out the compliance function
kepatuhan dan mengkoordinasi peningkatan and coordinating the improvement and development
dan penumbuhkembangan budaya kepatuhan di of a compliance culture within the Bank. Bank
lingkungan Bank. Bank Sinarmas memiliki komitmen Sinarmas has a strong commitment to comply with
yang kuat untuk mematuhi peraturan dan ketentuan the rules and regulations of the regulator.
regulator.
Direktur Kepatuhan Director of Compliance

Bank Sinarmas telah mengangkat Bapak Hanafi Bank Sinarmas has appointed Mr. Hanafi Himawan as
Himawan sebagai Direktur Kepatuhan berdasarkan Director of Compliance based on the Copy of Decision
Salinan Keputusan anggota Dewan Komisioner of the Board of Commissioners of the Financial
Otoritas jasa Keuangan No. KEP-47/D.03/2018 tanggal Services Authority No. KEP-47/D.03/2018 dated March
23 Maret 2018 tentang Hasil Penilaian Kemampuan 23, 2018 regarding the Fit and Proper Test Results Mr.
dan Kepatutan Bapak Hanafi Himawan selaku Calon Hanafi Himawan as a Candidate Director in charge of
Direktur yang membawahkan fungsi Kepatuhan PT. the Compliance function of PT. Bank Sinarmas Tbk.
Bank Sinarmas Tbk.
Pengangkatan, pemberhentian dan/atau The process of appointment, dismissal and/or the

pengunduran diri Direktur Kepatuhan diuraikan resignation of the Compliance Director is described
dalam penjelasan di bawah ini: below:
1. Pengangkatan, pemberhentian, dan/atau 1. The appointment, dismissal, and/or resignation
pengunduran diri Direktur Bank Sinarmas yang of the Director of Bank Sinarmas in charge of
membawahi Fungsi Kepatuhan telah mengacu the Compliance Function has referred to the
pada ketentuan mengenai pengangkatan, provisions on the appointment, dismissal, and/ or
pemberhentian, dan/atau pengunduran diri resignation of members of the Board of Directors
anggota Direksi sebagaimana dimaksud dalam as referred to in Bank Indonesia provisions
ketentuan Bank Indonesia yang mengatur governing Commercial Banks, as well as the
mengenai Bank Umum, serta Peraturan Otoritas Financial Services Authority Regulation (POJK)
Jasa Keuangan (POJK) No. 46/POJK.03/2017 No. 46/POJK.03/2017 on the Implementation of
tentang Pelaksanaan Fungsi Kepatuhan. Compliance Function.
2. Dalam hal Direktur Bank Sinarmas yang 2. In the event that the Director of Bank Sinarmas
membawahkan Fungsi Kepatuhan tidak dapat in charge of the Compliance Function is unable
menjalankan tugas jabatannya selama lebih to carry out his/her duties for more than 7 (seven)
dari 7 (tujuh) hari kerja berturut-turut maka consecutive working days, the implementation of
pelaksanaan tugas yang bersangkutan wajib his/her duties must be temporarily replaced by
digantikan sementara oleh Direktur lain sampai another Director until the Director in charge of
dengan Direktur yang membawahkan Fungsi the Compliance Function can carry out the duties.
Kepatuhan dapat menjalankan tugas jabatannya
kembali.
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3. Dalam hal direktur yang membawahkan Fungsi 3. In the event that the director in charge of the
Kepatuhan berhalangan tetap, mengundurkan Compliance Function is permanently unable
diri, atau habis masa jabatannya, Bank wajib to attend, resigns, or has expired the term of
segera mengangkat pengganti Direktur yang office, the Bank must immediately appoint a
membawahkan Fungsi Kepatuhan, paling lama 6 replacement for the Director in charge of the
(enam) bulan setelah Direktur yang membawahi Compliance Function, no later than 6 (six) months
Fungsi Kepatuhan berhalangan tetap, after the Director in charge of the Compliance
mengundurkan diri, atau habis masa jabatannya. Function is permanently unable to attend, resigns,
or expires the term of office.
4. Selama dalam proses penggantian Direktur yang 4. During the process of replacing the Director
membawahkan Fungsi Kepatuhan, Bank Sinarmas in charge of the Compliance Function, Bank
wajib menunjuk atau menugaskan salah satu Sinarmas must appoint or assign one other
Direktur lainnya untuk sementara melaksanakan Director to temporarily carry out the duties of the
tugas Direktur yang membawahkan Fungsi Director in charge of the Compliance Function.
Kepatuhan.
5. Direktur yang melaksanakan tugas sementara 5. The director who carries out temporary duties
sebagai Direktur yang membawahkan Fungsi as the Director in charge of the Compliance
Kepatuhan, baik karena berhalangan sementara Function, whether due to temporary absence or
maupun berhalangan tetap, mengundurkan diri, permanent absence, resignation, or has expired
atau habis masa jabatannya, harus memenuhi the term of office, must comply with the provisions
ketentuan mengenai rangkap jabatan dan on concurrent positions and prohibitions in
larangan membawahkan fungsi-fungsi. supervising functions.
6. Dalam hal Direktur lain sebagaimana dimaksud 6. In the event that there is no other Director as
pada nomor (5) tidak ada, jabatan direktur referred to in number (5), the position of director
yang membawahkan Fungsi Kepatuhan dapat in charge of the Compliance Function can be
dirangkap sementara oleh direktur lain. temporarily held by another director.
7. Penggantian sementara jabatan direktur 7. Temporary replacement of the position of Director
yang membawahkan Fungsi Kepatuhan wajib in charge of the Compliance Function must be
dilaporkan kepada Otoritas Jasa Keuangan. reported to the Financial Services Authority.
8. Setiap penggantian jabatan direktur yang 8. Every replacement of the position of director in
membawahkan Fungsi Kepatuhan senantiasa charge of the Compliance Function is always
dilaporkan kepada Bank Indonesia. Pengangkatan reported to Bank Indonesia. The appointment
direktur yang membawahkan Fungsi Kepatuhan of the director in charge of the Compliance
telah melalui fit and proper Test sesuai dengan Function has gone through a Fit and Proper
ketentuan Bank Indonesia dan Otoritas Jasa Test in accordance with Bank Indonesia and the
Keuangan. Financial Services Authority regulations.
Tanggung Jawab Satuan Kerja Responsibilities of the Compliance

Kepatuhan Unit
Pembentukan SKK bertujuan untuk meminimalisasi The establishment of the Compliance Unit aims
dan mencegah terjadinya risiko yang ditimbulkan to minimize and prevent risks arising from non-
akibat ketidakpatuhan yang dapat mempengaruhi compliance, which may affect the Bank’s performance.
kinerja Bank. SKK bersifat independen dan bebas The Compliance Unit is independent and free from
dari pengaruh satuan kerja lainnya serta mempunyai the influence of other work units and has direct access
akses langsung kepada Direktur Kepatuhan. to the Compliance Director.
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Tugas dan tanggung jawab SKK, antara lain: Tugas dan tanggung jawab SKK, antara lain:
1. Membuat langkah dan program untuk 1. Establish steps and programs to support
mendukung terciptanya budaya kepatuhan the creation of a Compliance Culture in all
pada seluruh kegiatan usaha Bank pada setiap Bank business activities at every level of the
jenjang organisasi. organization.
2. Melakukan identifikasi, pengukuran, 2. Identify, measure, monitor, and control
pemantauan, dan pengendalian terhadap Risiko Compliance Risk by referring to the provisions
Kepatuhan dengan mengacu pada ketentuan of the Financial Services Authority, Bank
Otoritas Jasa Keuangan, Bank Indonesia, Pusat Indonesia, the Financial Transaction Reports
Pelaporan dan Analisis Transaksi Keuangan serta and Analysis Center, as well as other laws and
ketentuan peraturan perundang-undangan regulations governing the implementation of
lainnya yang mengatur mengenai penerapan risk management for commercial banks and
manajemen risiko bagi bank umum maupun sharia business units.
unit usaha syariah.
3. Menilai dan mengevaluasi efektivitas, kecukupan, 3. Assess and evaluate the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem and suitability of the Bank’s policies, regulations,
maupun prosedur yang dimiliki oleh Bank systems, and procedures with the provisions of
dengan ketentuan peraturan perundang- the legislation.
undangan.
4. Melakukan kaji ulang dan/atau 4. Review and/or recommend updating and
merekomendasikan pengkinian dan improvement of the Bank’s policies, regulations,
penyempurnaan kebijakan, ketentuan, sistem systems, and procedures to comply with the
maupun prosedur yang dimiliki oleh Bank provisions of the Financial Services Authority
agar sesuai dengan ketentuan Otoritas Jasa and other statutory provisions, including Sharia
Keuangan dan ketentuan peraturan perundang- Principles for sharia commercial banks and
undangan lainnya, termasuk Prinsip Syariah bagi sharia business units.
bank umum syariah dan unit usaha syariah.
5. Melakukan upaya untuk memastikan bahwa 5. Establish an effort to ensure that the policies,
kebijakan, ketentuan, sistem dan prosedur, provisions, systems and procedures, and business
serta kegiatan usaha Bank telah sesuai dengan activities of the Bank are in accordance with the
ketentuan Otoritas Jasa Keuangan dan provisions of the Financial Services Authority and
ketentuan peraturan perundang-undangan other statutory provisions.
lainnya.
6. Melakukan tugas-tugas yang terkait dengan 6. Performing tasks related to the Compliance
Fungsi Kepatuhan, antara lain: Function, among others:
- Melakukan pemantauan atas peraturan - Monitoring the laws and regulations that have
perundangan-undangan yang berdampak an impact on the Bank, compiling impact
pada Bank, menyusun kajian dampak bersama studies together with related work units
dengan unit kerja terkait serta melakukan and disseminating any external regulations
sosialisasi setiap peraturan eksternal yang that affect the operational activities of Bank
berpengaruh terhadap kegiatan operasional Sinarmas.
Bank Sinarmas.
- Memantau dan menganalisa penerapan - Monitor and analyze the implementation of
ketentuan eksternal di unit kerja, baik external regulations in the work unit, both
melalui uji kepatuhan (compliance testing) through compliance testing at the relevant
pada unit kerja yang bersangkutan maupun work unit or based on the audit report of the
berdasarkan laporan hasil audit SKAI. IAU.
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- Memberikan opini/saran kepatuhan pada - Providing compliance opinion/advice to

pengembangan aktivitas, produk, transaksi, work units in the development of activities,
sistem, penyusunan kebijakan dan prosedur products, transactions, systems, formulation
internal Bank yang memiliki risiko kepatuhan of Bank internal policies and procedures that
kepada unit-unit kerja terkait. are subject to compliance risk.
- Berkoordinasi dengan unit kerja terkait dalam - Coordinate with related work units in the
penyusunan dan pengkinian pedoman preparation and update of internal guidelines
internal yang terkait dengan penerapan related to the implementation of compliance
manajemen risiko kepatuhan. risk management.
- Mengidentifikasi dan mengkinikan parameter - Identify and update compliance risk
serta profil risiko kepatuhan dalam setiap parameters and profiles in each functional
aktivitas fungsional dan memastikan bahwa activity and ensure that these risks have been
risiko tersebut telah dikendalikan dengan baik properly controlled by the related work units.
oleh unit kerja terkait.
- Menyiapkan laporan Direktur Kepatuhan yang - Prepare the Compliance Director’s report,
wajib disampaikan kepada regulator maupun which must be submitted to regulators as
untuk kebutuhan pengawasan Direksi dan well as for the needs of the supervision of
Komisaris Bank. the Bank’s Board of Directors and Board of
Commissioners.
- Melakukan koordinasi dan pemantauan - Coordinating and monitoring applications for
atas pengajuan perizinan produk, aktivitas & the licensing of products, activities & system
pengembangan sistem Bank di OJK dan/atau development of the Bank at OJK and/or BI.
BI.
- Memantau dan menganalisa sanksi denda dari - Monitor and analyze fines from regulators,
regulator, mengidentifikasi akar penyebab identify the root causes of fines and encourage
denda dan mendorong dilakukan upaya corrective and/or preventive efforts to prevent
korektif dan/atau preventif guna mencegah the recurrence of sanctions and/or minimize
terulangnya sanksi dan/atau meminimalisasi fines
sanksi denda.
- Memantau pelaksanaan dan tindak lanjut - Monitor the implementation and follow-
pemenuhan tindak lanjut ketentuan peraturan up of compliance with the follow-up to
perundang-undangan yang berdampak the provisions of laws and regulations that
bagi bank, pemenuhan komitmen termasuk have an impact on the bank, fulfillment of
tindak lanjut audit oleh regulator baik OJK, BI commitments, including follow-up audits by
maupun PPATK oleh Bank/unit kerja terkait. regulators, both OJK, BI and PPATK by the
Bank/related work units.
- Mereviu dan/atau menyusun ketentuan - Review and/or compile internal provisions,
internal, kertas kerja dan alat bantu aktivitas working sheets, and tools for compliance
kepatuhan dan APU dan PPT (termasuk untuk and AML and CFT activities (including for
uji kepatuhan). compliance testing).
- Mengembangkan sistem untuk pemantauan - Develop a system to monitor the Bank’s
komitmen Bank ke regulator antara lain commitment to regulators, including
monitoring tindak lanjut ketentuan regulator, monitoring follow-up to regulatory provisions,
tindak lanjut audit regulator dan regulatory follow-up on regulatory audits and regulatory
reporting. reporting.
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- Menyiapkan program dan materi pelatihan - Prepare training programs and materials
dan sosialisasi kepatuhan serta memastikan and disseminate compliance and ensure its
delivery-nya kepada karyawan dan unit kerja delivery to employees and work units of the
Bank termasuk untuk program APU dan PPT. Bank, including the AML and CFT programs.
- Melakukan supervisi, mengkoordinasi, - Supervise, coordinate, encourage, and
mendorong serta memantau penerapan Good monitor the implementation of Good
Corporate Governance (GCG), penerapan Corporate Governance (GCG), implementation
kepatuhan dan keuangan berkelanjutan pada of compliance and sustainable finance in the
Bank. Bank.
- Melakukan supervisi, koordinasi, mendorong - Supervise, coordinate, encourage, and monitor
serta memantau penerapan Good Corporate the implementation of Good Corporate
Governance (GCG), penerapan kepatuhan Governance (GCG), the implementation of
pada Bank serta konglomerasi keuangan compliance on the Bank of the Sinar Mas
Sinarmas. Group financial conglomerate.
- Sebagai liaison officerr Bank ke regulator - As a Liaison Officer of the Bank to regulators,
antara lain pada aktivitas pengajuan dan among others, in the activities of submitting
pemantauan pengajuan perizinan dan/atau and monitoring applications for licensing and/
persetujuan produk dan aktivitas Bank ke or approval of Bank products and activities to
regulator serta pelaksanaan pengawasan regulators as well as the implementation of
maupun pemeriksaan oleh regulator. supervision and inspection by regulators.
7. Melakukan tugas dalam rangka memastikan 7. Performing the duty in order to ensure the
penerapan peraturan perundang-undangan implementation of AML and CFT laws and
APU dan PPT pada Bank, meliputi: regulations in the Bank, including:
- Menganalisis secara berkala penilaian risiko - Periodically analyze the risk assessment
tindak pidana Pencucian Uang dan/atau of Money Laundering and/or Terrorism
tindak pidana Pendanaan Terorisme terkait Funding related to its Customers, country,
dengan Nasabahnya, negara atau area or geographic area, products, services,
geografis, produk, jasa, transaksi atau jaringan transactions or distribution networks.
distribusi.
- Menyusun, melakukan pengkinian, dan - Prepare, update, and propose policies and
mengusulkan kebijakan dan prosedur procedures for the implementation of AML
penerapan program APU dan PPT yang telah and CFT programs that have been prepared
disusun untuk mengelola dan memitigasi to manage and mitigate risks based on
risiko berdasarkan penilaian risiko, untuk risk assessment, for the consideration and
dimintakan pertimbangan dan persetujuan approval of the Board of Directors.
Direksi.
- Memastikan adanya sistem yang dapat - Ensure a system that is able to identify, analyze,
mengidentifikasi, menganalisa, memantau monitor and provide reports effectively on
dan menyediakan laporan secara efektif transactions characteristics conducted by
mengenai karakteristik transaksi yang customers.
dilakukan oleh Nasabah.
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- Memastikan bahwa kebijakan dan prosedur - Ensure that the policies and procedures that
yang disusun telah sesuai dengan perubahan have been formulated are in accordance
dan perkembangan yang meliputi antara with changes and developments of, among
lain produk, jasa, dan teknologi di sektor others, products, services, and technology
jasa keuangan, kegiatan dan kompleksitas in the financial services sector, activities and
usaha Bank, volume transaksi Bank, dan complexity of the Bank’s business, the volume
modus Pencucian Uang dan/atau Pendanaan of Bank transactions, and modes of Money
Terorisme. Laundering and/or Terrorism Financing.
- Memastikan bahwa formulir yang berkaitan - Ensuring that forms related to customers
dengan Nasabah telah mengakomodasi data have accommodated the required data in
yang diperlukan dalam penerapan program the implementation of the AML and CFT
APU dan PPT. programs.
- Memantau rekening Nasabah dan - Monitor Customers’ accounts and
pelaksanaan transaksi Nasabah. implementation of Customer transactions.
- Melakukan evaluasi terhadap hasil - Evaluating the monitoring and analysis results
pemantauan dan analisis transaksi Nasabah of customer transactions to ensure whether
untuk memastikan ada atau tidak adanya there are suspicious financial transactions,
Transaksi Keuangan Mencurigakan, Transaksi cash transactions and/or transactions of fund
Keuangan Tunai dan/atau transaksi keuangan transfers to and from abroad.
transfer dana dari dan ke luar negeri.
- Menatausahakan hasil pemantauan dan - Administering the monitoring and evaluation
evaluasi. results
- Memastikan pengkinian data dan profil - Ensure the updating of Customer dataand
Nasabah, serta data dan profil transaksi profiles as well as Customer transaction data
Nasabah. and profiles.
- Memastikan bahwa kegiatan usaha yang - Ensure that business activities with a high
berisiko tinggi terhadap tindak pidana risk of Money Laundering and/or Financing
Pencucian Uang dan/atau tindak pidana of Terrorism are effectively identified in
Pendanaan Terorisme diidentifikasi secara accordance with the Bank’s policies and
efektif sesuai dengan kebijakan dan prosedur procedures as well as the provisions in the OJK
Bank serta ketentuan sebagaimana dimaksud Regulation.
dalam Peraturan OJK.
- Memelihara, mereviu, mengkinikan, serta - Maintain, review, update and periodically
mensosialisasikan secara berkala kriteria socialize the Bank’s risk criteria based
risiko Bank berdasarkan pekerjaan, bidang on occupation, line of business, country/
usaha, negara/ kewarganegaraan dan produk/ nationality, and products/services.
layanan.
- Memelihara, mengkinikan daftar terduga - Maintain and update the list of suspected
teroris dan organisasi teroris, daftar proliferasi, terrorists and terrorist organizations,
serta daftar lainnya untuk kepentingan proliferation lists, and other lists in the interests
program APU dan PPT serta memastikan of the AML and CFT programs and ensure the
identifikasi serta pemeriksaan daftar-daftar identification and examination of these lists
dimaksud terhadap database nasabah Bank against the Bank’s customer database prior to
sebelum proses pembukaan hubungan the process of opening a business relationship,
usaha, secara adhoc maupun secara berkala. ad hoc and periodically.
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- Memastikan adanya mekanisme komunikasi - Ensure that there is a good communication

yang baik dari setiap satuan kerja terkait mechanism from each work unit related to
kepada unit kerja khusus atau pejabat yang the special work unit or officials in charge
bertanggung jawab terhadap penerapan of the implementation of the AML and CFT
program APU dan PPT dengan menjaga programs by maintaining the confidentiality
kerahasiaan informasi dan memperhatikan of information and taking into account the
ketentuan Anti Tipping-off. provisions on AntiTipping-off.
- Melakukan pengawasan terkait penerapan - Supervise the implementation of the AML and
program APU dan PPT terhadap satuan kerja CFT programs on related work units.
terkait.
- Memastikan adanya identifikasi area yang - Ensure the identification of high-risk areas
berisiko tinggi yang terkait dengan penerapan associated with the implementation of the
program APU dan PPT dengan mengacu pada AML and CFT program by referring to the
ketentuan peraturan perundang - undangan provisions of laws and regulations as well as
dan sumber informasi yang memadai. adequate sources of information.
- Menerima, melakukan analisis, dan menyusun - Receive, analyze, and prepare reports on
laporan transaksi keuangan mencurigakan Suspicious Financial Transactions and/or cash
dan/atau transaksi keuangan yang dilakukan financial transactions submitted by the work
secara tunai yang disampaikan oleh satuan unit.
kerja.
- Menyusun laporan untuk kepentingan - Prepare reports for the benefit of Bank
manajemen Bank serta memenuhi kewajiban management as well as to meet the reporting
pelaporan ke regulator antara lain namun obligations to regulators, including but not
tidak terbatas pada transaksi keuangan limited to Suspicious Financial Transactions
mencurigakan (LTKM), transaksi keuangan (LTKM), Cash Financial Transactions (LTKT),
tunai (LTKT), transaksi transfer dana dari dan ke Fund Transfer Transactions from and to
luar negeri (LTKL), sistem informasi pengguna Overseas (LTKL), Integrated Service User
jasa terpadu (SIPESAT), rencana dan realisasi Information System Reports (SIPESAT), and
pengkinian data. data update plan and realization reports.
- Memastikan seluruh kegiatan dalam rangka - Ensure that all activities for the implementation
penerapan program APU dan PPT terlaksana of the AML and CFT programs are carried out
dengan baik. properly.
- Memantau, menganalisis, dan - Monitor, analyze, and recommend training
merekomendasikan kebutuhan pelatihan needs on the implementation of AML and CFT
tentang penerapan program APU dan PPT programs for Bank officials and/or employees.
bagi pejabat dan/atau pegawai Bank.
- Melakukan supervisi, mengkoordinasi, - Supervise, coordinate, encourage, and
mendorong serta memantau penerapan monitor the implementation of the AML and
ketentuan APU dan PPT pada Bank maupun CFT provisions at the Bank and the Sinarmas
konglomerasi keuangan Sinarmas Group. Group financial conglomerate.
- Sebagai Liaison Officer Bank ke regulator - As a Bank Liaison Officer to regulators,
antara lain pada aktivitas pengawasan dan among others, in activities of supervision and
pemeriksaan Bank oleh regulator. inspection of the Bank by regulators.
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Struktur Organisasi Kepatuhan

Compliance Organizational Structure
Setingkat
Group Head
Setingkat Compliance Compliance Advisory & Testing

Advisory & Testing Division Head (GCG, Anti Penyuapan,
Division Division Head Sustainable Finance, Regulatory
Head (Sharia) Reporting & Liason & Credit)
Compliance Compliance
Setingkat Advisory Advisory
& Testing & Testing
Department Senior Division
Head Advisor
(Sharia)
Head
(Sharia)
Compliance
Compliance Advisory & Testing
Setingkat Advisory Team Leader (GCG
Advisory & Testing Advisory
Team Leader & Testing
Section & Testing Anti Penyuapan,
(Credit & Advisor
Advisor Regulatory
Head (Sharia) Reporting &
Sustainable
Finance)
(Operation &
Support)
Liason)
Advisory Advisory & Testing
Advisory Advisory &
Setingkat & Testing
& Testing
Junior Advisor
Testing Junior
Advisor
Testing Junior
Junior Junior Advisor (Credit
Staff Advisor
(GCG Anti (Anti Penyuapan,
& Sustainable
Penyuapan, & Regulatory
(Sharia) Finance)
Reporting) Reporting & Liason)
Jabatan Managerial
Jabatan Individual Contributor
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Compliance &
Risk Management
Director
Compliance Group
Head
Compliance Advisory
Compliance Compliance &
& Testing Division
Advisory & Testing AML & CTF AML/CTF System
Head (Operation &
Division Head Division Head Development & MIS
SUpport Treasury & FI,
(Digital & IT) Senior Manager
Risk Management)
Compliance Advisory Compliance

& Testing Lead Advisory &
AML & CTF
Advisor (Operation Testing Junior
Department
& Support, Advisor (Risk
Head
Treasury & FI, Risk Management
Management) Treasury & FI
Advisory & Advisory Compliance
AML & CTF AML/CTF Compliance
Testing & Testing Advisory AML & CTF
Advisory & System System
Team Leader Advisor & Testing Section
Policy Team Development Development
(Risk (Digital, IT, Advisor Head
Leader & MIS Analyst & MIS Analyst
Management, Infographic & (Digital & IT)
Treasury & FI) Report)
CDD/EDD
Advisory & Advisory & AML & CTF AML & CTF
& Inquiry
Testing Junior Testing Junior Analyst & Advisory &
Analyst &
Division Advisor (Risk Reporting Policy Team
Reporting
(Operation & Management Junior Officer Junior Officer
Junior Officer
Support) Treasury & FI)
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Pada periode Semester II/2021 Per 1 September Satuan In Semester II/2021 as of September 1, Compliance
Kerja Kepatuhan (SKK) terdiri dari 5 (lima) Divisi dan 1 Work Unit (SKK) consists of 5 (five) Divisions and 1
(satu) Fungsi, sebagai berikut: (one) Function, as follows:
1. Divisi Compliance Advisory & Testing (Sharia). 1. Compliance Advisory & Testing (Sharia) Division.
2. Divisi Compliance Advisory & Testing (GCG, Anti- 2. Compliance Advisory & Testing (GCG, Anti-Bribery,
Penyuapan, Sustainable Finance, Regulatory Sustainable Finance, Regulatory Reporting &
Reporting & Liaison, & Credit). Liaison, & Credit) Division.
3. Divisi Compliance Advisory & Testing (Operation & 3. Compliance Advisory & Testing (Operation &
Support, Treasury & FI, Risk Management). Support, Treasury & FI, Risk Management) Division.
4. Divisi Compliance Advisory & Tesing (Digital & IT). 4. Compliance Advisory & Testing (Digital & IT) Division.
5. Divisi AML & CTF. 5. AML & CTF Division.
6. Compliance & AML/CTF System Development & 6. Compliance & AML/CTF System Development &
MIS. MIS.
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RINCIAN FUNGSI ORGANISASI SKK

Details of Compliance Unit Organizational Functions
Unit Kepala Divisi Peran

Unit Division Head Role
Divisi Compliance Advisory & Muhammad Ridwan S. Pengelolaan risiko kepatuhan untuk proses dan produk berbasis
Testing syariah.
(Sharia) Management of compliance risk for sharia-based products and
Compliance Advisory & processes.
Testing Division
(Sharia)
Divisi Compliance Advisory Benny Wijaya Pengelolaan risiko kepatuhan untuk Operations & support,
& Testing (Operation & Treasury, FI, dan Risk Management).
Support, Treasury & FI, Risk Compliance risk management for Operations & support, Treasury,
Management) FI, and Risk Management).
Compliance Advisory &
Testing Division (Operation
& Support, Treasury & FI, Risk
Management)
Divisi Compliance Advisory Theresia Tyas Piwi Pengelolaan risiko kepatuhan untuk Sustainable Finance, credit,
& Testing (GCG, Anti anti penyuapan, dan GCG.
Penyuapan, Sustainable Compliance risk management for Sustainable Finance, credit,
Finance, Regulatory anti-bribery, and GCG.
Reporting & Liaison, &
Credit)
Compliance Advisory &
Testing Division (GCG, Anti-
Bribery, Sustainable Finance,
Regulatory Reporting &
Liaison, & Credit)
Divisi Compliance Advisory & Vacant Pengelolaan risiko kepatuhan untuk bisnis Digital dan IT
Tesing (Digital & IT) Compliance Communication.
Compliance Advisory & Compliance risk management for Digital business and IT
Testing Division (Digital & IT) Compliance Communication.
Divisi AML & CTF Dyah Hapsari Dewi S Menganalisia secara berkala penilaian risiko tindak pidana
AML & CTF Division Pencucian Uang dan/atau tindak pidana Pendanaan Terorisme
terkait dengan Nasabahnya, negara atau area geografis, produk,
jasa, transaksi atau jaringan distribusi.
Analyze periodically the risk assessment of Money Laundering
and/or Terrorism Financing crimes related to its Customers,
countries or geographic areas, products, services, transactions or
distribution networks.
Compliance & AML/CTF Leonardi Wendy Membangun, mereviu dan mengembangkan sistem yang dapat
System Maxkinto mengidentifikasi, menganalisa, memantau dan menyediakan
Development & MLS. laporan secara efektif serta menyusun dan mengkinikan
Compliance & AML/CTF prosedur, juklak dan juknis terkait Sistem Teknologi Informasi
System Kepatuhan dan APU/PPT
Development & MLS. Build, review and develop a system that can identify, analyze,
monitor and provide reports effectively as well as prepare
and update procedures, operational guidelines and technical
guidelines related to the Compliance Information Technology
System and APU/PPT
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PROFIL KEPALA SATUAN KERJA KEPATUHAN PER 31 DESEMBER 2021

Profile of Head of Compliance Unit as of December 31, 2021
SKK dipimpin oleh kepala SKK yang juga memimpin The SKK is led by the head of the SKK who also leads
unit SKMR dengan profil disampaikan pada tabel: the SKMR unit with its profile below:
Nama Amandalia Johanes

Name

Citizenship
Usia 54 tahun
Age 54 years old
Domisili Jakarta
Domicile
Dasar Pengangkatan Surat Keputusan Direksi No. SK.2253/2021/PRESDIR-HCRS

Basis of Appointment Decree of the Board of Directors No. SK.2253/2021/PRESDIR-HCRS
Rangkap Jabatan Merangkap jabatan selain sebagai Group Head Risk Management menjabat juga sebagai
Concurrent Positions Group Head Compliance.
Concurrently serving as Group Head Risk Management, he also serves as Group Head
Compliance.
Riwayat Pendidikan S2 Bisnis dan Managemen, Institut Teknologi dan Bisnis Kalbis
Educational Background Master of Business and Management, Kalbis Institut Institute of Technology and Business
Riwayat Pekerjaan • Risk Management Group Head Rangkap Compliance Group Head, Bank Sinarmas (01
Work Experience November 2021 – Desember 2021)
• Risk Management Group Head Rangkap Compliance Group Head, Bank Sinarmas
(Desember 2020)
• Risk Management Group Head, Bank Sinarmas (05 Oktober 2020-Sekarang)
• Head Of Risk Management, Compliance & UKPN, Bank Index Selindo (Februari 2020 –
September 2020)
• Professional Services Specialist in Risk Management and Governance for Banking and
Insurance Industry, Bank Index Selindo (Februari 2019 – Februari 2020)
• Group Head of Risk Management, Bank CTBC Indonesia (Agustus 2014 - Januari 2019)
• Market and Balance Sheet Risk Management Head, Bank UOB Indonesia (Juli 2010 – Juli
2014)
• Head Of Risk Management, Bank UOB Indonesia (Maret 2007 – Juli 2010)
• Head Of Risk Management, Bank Central Asia Syariah (Januari 2004 – Februari 2007)
• Head Of Credit Reviuer, Bank Central Asia Syariah (Juni 2000 – Desember 2003)
• Senior Loan Work Out, Bank Central Asia Syariah (April 1998 – Juni 2000)
• Head Of Internal Audit, Bank Pelita (Oktober 1997 – Maret 1998)
• Head Of Credit Reviuer, Bank Pelita (Januari 1997 – Oktober 1997)
• Head Of Credit and Legal, Bank Bumi Raya Utama (Mei 1996 – Desember 1996)
• Head Of Credit Administration, Bank Central Asia (Maret 1994 – April 1996)
• Head Of Operational, Bank Central Asia (Maret 1992 – Februari 1994)
• MDP BCA, Bank Central Asia (Maret 1991 – Maret 1992)
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• Risk Management Group Head Concurrently Compliance Group Head, Bank Sinarmas (01
November 2021 – December 2021)
• Risk Management Group Head Concurrently Compliance Group Head, Bank Sinarmas
(December 2020)
• Risk Management Group Head, Bank Sinarmas (05 October 2020-Present)
• Head Of Risk Management, Compliance & UKPN, Bank Index Selindo (February 2020 –
September 2020)
Insurance Industry, Bank Index Selindo (February 2019 – February 2020)
• Group Head of Risk Management, Bank CTBC Indonesia (August 2014 - January 2019)
• Market and Balance Sheet Risk Management Head, Bank UOB Indonesia (July 2010 – July
2014)
• Head of Risk Management, Bank UOB Indonesia (March 2007 – July 2010)
• Head of Risk Management, Bank Central Asia Syariah (January 2004 – February 2007)
• Head Of Credit Reviewer, Bank Central Asia Syariah (June 2000 – December 2003)
• Senior Loan Work Out, Bank Central Asia Syariah (April 1998 – June 2000)
• Head of Internal Audit, Bank Pelita (October 1997 – March 1998)
• Head Of Credit Reviewer, Bank Pelita (January 1997 – October 1997)
• Head Of Credit and Legal, Bank Bumi Raya Utama (May 1996 – December 1996)
• Head of Credit Administration, Bank Central Asia (March 1994 – April 1996)
• Head Of Operational, Bank Central Asia (March 1992 – February 1994)
• MDP BCA, Bank Central Asia (March 1991 – March 1992)
Affiliated Relations Saham Pengendali.
Has no affiliated relations with members of the Board of Commissioners, Board of Directors,
and Controlling Shareholders
Sertifikasi • BSMR level 4

Certification • Manajemen Risiko Certification
• Risk Management Certification
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Pengembangan Kompetensi Satuan Kepatuhan

Compliance Unit Competency
PENGEMBANGAN KOMPETENSI KEPALA SATUAN KERJA KEPATUHAN

Competency Development of the Head of the Compliance Unit
Tanggal Tanggal
Pendidikan/Pelatihan Tempat Penyelenggara
No Mulai Berakhir
Education/Training Place Organizer
Start Date End Date
Sinergi Pemerintah, BI, dan OJK Dalam Otoritas Jasa

Mempercepat Pemulihan Ekonomi Nasional Keuangan - OJK
1 19/11/21 19/11/21 Zoom
Synergy of the Government, BI, and OJK in Financial Services
Accelerating National Economic Recovery Authority - OJK
Lembaga
Pengembangan
Strategi Korporasi Berkelanjutan: TI sebagai
Perbankan Indonesia
Pencipta Nilai
2 18/11/21 18/11/21 Zoom - LPPI
Sustainable Corporate Strategy: IT as Value
Indonesian Banking
Creator
Development Institute
- LPPI
Otoritas Jasa
Webinar Bijak Berinvestasi Keuangan - OJK
3 18/11/21 18/11/21 Zoom
Investing Wise Webinar Financial Services
Authority - OJK
Otoritas Jasa
Keuangan - OJK
4 Webinar Carbon Market - Global Practices 04/11/21 04/11/21 Zoom
Financial Services
Authority - OJK
Webinar Governance, Manajemen Risiko dan

Kepatuhan (GRC)
5 25/11/21 25/11/21 Zoom Bank Sinarmas
Webinar Governance, Risk Management and
Compliance (GRC)
Lembaga
Pengembangan
Webinar Menuju Indonesia Emas 2045:Peran
Perbankan Indonesia
COO Membangun Pasok dan Operasional
6 11/11/21 11/11/21 Zoom - LPPI
Webinar Towards a Golden Indonesia 2045: The
Indonesian Banking
Role of the COO in Building Supply and Operations
Development Institute
- LPPI
Otoritas Jasa
Webinar Sosialisasi Kebijakan Revisi Pilar 2 - ILAAP
Keuangan - OJK
7 Webinar Dissemination of Pillar 2 Revision Policy 18/11/21 18/11/21 Zoom
Financial Services
- ILAAP
Authority - OJK
Webinar Virtual Audiensi Antasena Progress

Kesiapan Bank untuk LBUT
8 01/11/21 01/11/21 Zoom Bank Indonesia
Virtual Webinar Antasena Audience Progress
Bank Readiness for LBUT
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Tanggal Tanggal
Pendidikan/Pelatihan Tempat Penyelenggara
No Mulai Berakhir
Education/Training Place Organizer
Start Date End Date
Otoritas Jasa
ATMR Pasar Basel Zoom Keuangan - OJK
9 07/12/21 07/12/21
Basel Market RWA Meet Financial Services
Authority - OJK
BI bersama Masyarakat Sinergi untuk mendorong

Pemulihan Ekonomi Zoom
10 01/12/21 01/12/21 Bank Indonesia
BI together with the Synergy Community to Meet
encourage Economic Recovery
Zoom
PDPS Refreshment for Executive: Akad Syariah - Learning Center Bank
11 18/12/21 18/12/21 Cloud
PDPS Refreshment for Executive Sinarmas
Meetings
Otoritas Jasa
Peranan Fintech dan Seminar OJK Akhir Riset 2021
Zoom Keuangan - OJK
12 The Role of Fintech and the OJK Final Research 07/12/21 07/12/21
Meet Financial Services
Seminar 2021
Authority - OJK
Zoom
Sharing Knowledge Business P2P Lending: Learning Center Bank
13 01/12/21 01/12/21 Cloud
Sharing Knowledge Business P2P Lending Sinarmas
Meetings
Sosialisasi Pendalaman Hasil Riset OJK Institute:

Intermediasi Perbankan di Era Pandemi & Peran
Fintech Lending dalam Mendorong Inklusi
Zoom
Keuangan: Learning Center Bank
14 21/12/21 21/12/21 Cloud
Dissemination of OJK Institute Research Results Sinarmas
Meetings
Deepening: Banking Intermediation in the Era
of a Pandemic & the Role of Fintech Lending in
Encouraging Financial Inclusion:
Webinar Cerak Biru Transformasi Digital Otoritas Jasa

Perbankan Zoom Keuangan - OJK
15 13/12/21 13/12/21
Webinar Blueprint Digital Transformation of Meet Financial Services
Banking Authority - OJK
Webinar Kesiapan SDM Sektor Jasa Keuangan Otoritas Jasa

Menyongsong tahun 2022 Zoom Keuangan - OJK
16 09/12/21 09/12/21
Webinars on the Readiness of Human Resources Meet Financial Services
in the Financial Services Sector Welcoming 2022 Authority - OJK
Webinar Penjaminann LPS Zoom

17 14/12/21 14/12/21 Bank Sinarmas
LPS Guarantee Webinar Meet
Webinar Seminar Tantangan Intermediasi Otoritas Jasa

Perbankan di Era PANDEMI Zoom Keuangan - OJK
18 16/12/21 16/12/21
Webinar Seminar on Challenges of Banking Meet Financial Services
Intermediation in the Era of PANDEMIC Authority - OJK
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PELATIHAN INTERNAL SATUAN KEPATUHAN

Internal Training of Compliance Unit
Jumlah Peserta
Nama Pelatihan
No Number of
Name of Training
Participants
Strategi implementasi ISO 37001 : 2016 Sistem Manajemen Anti Penyuapan (SMAP) Strategy
1 3
for implementing ISO 37001 : 2016 Anti-Bribery Management System (SMAP)
Training Kepatuhan Level 1

2 9
Level 1 Compliance Training
Sosialisasi Penggunaan OneFCC untuk Pelaporan goAML

3 6
Socialization of the Use of OneFCC for GoAML Reporting
Sosialisasi Pelaporan SIPENA

4 2
SIPENA Reporting Socialization
Sosialisasi Implementasi Digitalisasi Laporan Perbankan Melalui SIPENA

5 2
Socialization of the Implementation of Digitizing Banking Reports Through SIPENA
Sosialisasi Double CIF

6 7
Double CIF Socialization
Training Technical Skills Compliance KYC & AML

7 1
KYC & AML Compliance Technical Skills Training
8 Planning & Decision Making 3
9 Suistanable Finance Awarness 9
Rencana Aksi Keuangan Berkelanjutan

10 9
Sustainable Finance Action Plan
Pembahasan LTKT dan LTKL

11 4
LTKT and LTKL discussions
12 Training Induction si DiLan 4
13 SPV Skills Batch 30 3
Training BIC (Branch Internal Control) : Compliance Refreshment kepada Karyawan Bank
14 1
BIC (Branch Internal Control) Training : Compliance Refreshment for Bank Employees
Training dan Sertifikasi UKMR Level 1 BSMR

15 1
BSMR Level 1 UKMR Training and Certification
Training dan Sertifikasi UKMR Level 2 BSMR

16 1
BSMR Level 2 UKMR Training and Certification
Sosialisasi POJK No.13/POJK.03/2021 tentang Penyelenggaraan Produk Bank Umum 2

17 Socialization of POJK No.13/POJK.03/2021 concerning the Implementation of Commercial
Bank Products
Aspek Hukum dalam Layanan Perbankan Elektronik & Digital

18 3
Legal Aspects in Electronic & Digital Banking Services
Sosialisasi & Koordinasi Pelaporan Sipena

19 2
Socialization and Coordination of Sipena Reports
20 Refreshment QRIS 2
21 Multiple Device SimobiPlus 2
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PELATIHAN EKSTERNAL SATUAN KEPATUHAN

External Training of Compliance Unit
Nama Pelatihan
No
Name of Training
1 Sosialisasi OJK Tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik
OJK Socialization on the Form and Content of the Annual Report of Issuers or Public Companies
2 Sosialisasi OJK Tentang Bank Umum

OJK Socialization About Commercial Banks
3 Sosialisasi OJK Tentang Penyelenggaraan Produk Bank Umum

OJK Socialization Concerning the Operation of Commercial Bank Products
4 Sosialisasi OJK Tentang Perubahan POJK Penilaian Kembali Pihak Utama Lembaga Jasa Keuangan
OJK Socialization Regarding Changes to POJK Reassessment of Main Parties to Financial Services Institutions
5 Sosialisasi OJK Tentang Rencana Bisnis Bank Umum

OJK Socialization on Commercial Bank Business Plan
6 Webinar Strategi Pengembangan Produk Keuangan di Era Digital

Webinar Strategy for Financial Product Development in the Digital Age
7 Sosialisasi Laporan Digitalisasi Perbankan Melalui SIPENA

Dissemination of Banking Digitization Reports Through SIPENA
8 SWIFT Sanctions Testing Service Webinar-ASEAN Region

SWIFT Sanctions Testing Service Webinar-ASEAN Region
9 Standards MT Release 2021 related to Category 7 Webinar
10 Training Virtual Building Self Esteem
11 SWIFT Presentation Sanction Screening to Transaction Screening Migration
12 Training Knowledge Sharing Regulatory Sustainability Report
13 Training Knowledge Sharing Penguatan Pengendalian Internal Untuk Menciptakan Nilai

Knowledge Sharing Training Strengthening Internal Control to Create Value
14 Sosialisasi Simpanan Berbasis Nasabah Bank Umum

Socialization of Commercial Bank Customer-Based Deposits
15 Training Soft Skills-personal Effectiveness Building Self Esteem & Assertiveness
16 Sosialisasi Ketentuan dan Aplikasi APOLO Modul Laporan APU/PPT Bank Umum
Dissemination of APOLO Terms and Applications for Commercial Bank APU/PPT Report Modules
17 Training How to audit APU PPT
18 Training Webinar Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal (PPSPM)

Webinar Training on Prevention of Funding for the Proliferation of Weapons of Mass Destruction (PPSPM)
19 Efektivitas dan Efisiensi Stabilitas Sistem Keuangan

Effectiveness and Efficiency of Financial System Stability
20 Pelatihan Tipologi Pencucian Uang dan Pendanaan Terorisme bagi Pihak Pelapor
Training on Typology of Money Laundering and Terrorism Financing for Reporting Parties
21 Uji Coba Aplikasi SIPENDAR

SIPENDAR Application Trial
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Nama Pelatihan
No
Name of Training
22 Strategi Pengembangan Produk Keuangan di Era Digital

Financial Product Development Strategy in the Digital Age
23 Communication & Building Partnership
24 Launching SIPENDAR
25 Sosialisasi Registrasi Aplikasi SIPENDAR

SIPENDAR Application Registration Socialization
26 Launching FIR on ML/TF
27 Sosialisasi Peluncuran Naskah NRA TPPU/TPPT/PPSPM Holistik Tahun 2021 Kepada Pihak Pelapor dan Asosiasi
Socialization of the Launch of the 2021 Holistic TPPU/TPPT/PPSPM NRA Manuscripts to Reporting Parties and
Associations
28 FGD bersama OJK dan LJK Terkait Penerapan APU PPT Pada Konglomerasi Keuangan
FGD with OJK and LJK Regarding the Implementation of APU PPT in Financial Conglomerates
29 Sosialisasi Pendaftaran SIPENDAR

SIPENDAR Registration Socialization
30 Sosialisasi Rencana Pengaturan Perlindungan Data Pribadi Sebagai Penyeimbang Pesatnya Perkembangan
Teknologi Digital di Sektor Jasa Keuangan
Socialization of Personal Data Protection Arrangement Plans to Balance the Rapid Development of Digital
Technology in the Financial Services Sector
31 Sosialisasi Peraturan Bank Indonesia (PBI) Penyedia Jasa Pembayaran, PBI Penyelenggara Infrastruktur Sistem
Pembayaran, dan PBI Standar Nasional Sistem Pembayaran
Dissemination of Bank Indonesia Regulations (PBI) for Payment Service Providers, PBI for Payment System
Infrastructure Operators, and PBI for National Payment System Standards
32 Webinar Ancaman Siber dan Mata Uang Kripto terhadap Tindak Pidana Pencucian Uang dan Pendanaan Terorisme
Webinar Cyber and Cryptocurrency Threats to Money Laundering and Terrorism Financing
33 Sharing Knowledge Penyampaian Laporan melalui aplikasi goAML

Sharing Knowledge Report submission through the goAML application
34 Trade Based Money Laundering
35 Webinar Mendorong Akselerasi Transformasi Digital Sektor Perbankan

Webinar Encouraging Acceleration of Digital Transformation in the Banking Sector
36 Focus Group Discussion (FGD) Kesiapan Bank Menghadapi Serangan Cyber

Focus Group Discussion (FGD) Bank's Readiness to Face Cyber Attacks
37 Forum Komunikasi Penanganan Tindak Kejahatan Siber pada Sistem Pembayaran

Communication Forum for Handling Cyber Crimes in Payment Systems
38 Sosialisasi Aplikasi Web Cek Rekening

Account Check Web Application Socialization
39 Webinar Tantangan dan Strategi Mengatasi Kejahatan Siber

Webinar Challenges and Strategies for Overcoming Cyber Crime
40 Webinar Masa Depan Bank Digital di Indonesia

Webinar Challenges and Strategies for Overcoming Cyber Crime
41 FGD Upaya Deteksi, Cegah, dan Berantas Pinjaman Online Ilegal

FGD Efforts to Detect, Prevent, and Combat Illegal Online Loans
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Nama Pelatihan
No
Name of Training
42 Focus Group Discussion Pembahasan Hasil Draft Buku Kajian Hukum Tahun Anggaran 2021
Focus Group Discussion Discussion of the Results of the Draft Law Book for Fiscal Year 2021
43 Diseminasi SRA NRA Risiko APU PPT Periode 2021

Dissemination of SRA NRA Risk of APU PPT for 2021
44 Webinar Arah Pengembangan Perbankan Indonesia Tahun 2022 ditengah Upaya Menuju Digitalisasi Perbankan
Webinar Directions for the Development of Indonesian Banking in 2022 Amid Efforts Towards Banking Digitization
45 Sosialisasi Program Penjaminan LPS

Socialization of LPS Guarantee Program
46 OJK Rapat Lanjutan Persiapan Rakor Komite Kebijakan terkait Evaluasi Cost of Fund Suku Bunga KUR
OJK Follow-up Meeting Preparation of Policy Committee Coordination Meeting related to Evaluation of Cost of
Funds KUR Interest Rate
47 Seminar Akhir Riset OJK Institue, Sosialisasi Enhancement SLIK 16 dan 17 Desember 2021
OJK Institute Research Final Seminar, Socialization of SLIK Enhancement 16 and 17 December 2021
48 Sosialisasi BI Bersama Masyarakat (BIRAMA) ‘Siniar Pojok Thamrin, Inovasi Mendorong Pertumbuhan Ekonomi yang
Berkesinambungan’
BI Socialization with the Community (BIRAMA) 'Siniar Pojok Thamrin, Innovation Drives Sustainable Economic
Growth'
49 Sosialisasi BI Bersama Masyarakat (BIRAMA) ‘Inovasi Mendorong Pertumbuhan Ekonomi yang Berkesinambungan’
BI Socialization with the Community (BIRAMA) 'Siniar Pojok Thamrin, Innovation Drives Sustainable Economic
Growth'
50 Sosialisasi BI Bersama Masyarakat (BIRAMA) ‘Sinergi untuk Mendorong Pemulihan Ekonomi

BI Socialization with the Community (BIRAMA) 'Synergy to Promote Economic Recovery'
51 Rapat Pembahasan Strategi Sosialisasi Penyaluran KUR OJK

OJK KUR Distribution Strategy Discussion Meeting
52 Sosialisasi OJK Enhancement SLIK 16 dan 17 Desember 2021

Socialization of OJK Enhancement SLIK 16 and 17 December 2021
53 Sosialisasi RPIM
RPIM socialization
54 Sosialisasi Ketentuan Perbankan, pembahasan mengenai POJK dan SEOJK APOLO

Socialization of Banking Provisions, discussion of POJK and SEOJK APOLO
55 Pelaksanaan Grand Launching Sandbox 2.0 oleh BI

Implementation of the Grand Launching Sandbox 2.0 by BI
56 Workshop oleh OJK: Sistem Informasi Pelaporan Edukasi dan Perlindungan Konsumen (Sipeduli)
Workshop by OJK: Consumer Education and Protection Reporting Information System (Sipeduli)
57 Blueprint Transformasi Digital Perbankan oleh BI

Blueprint for Digital Banking Transformation by BI
58 Kebijakan terhadap Digitalisasi di Sektor Jasa Keuangan Indonesia: Pengaruhnya terhadap Akses Keuangan dan
Cyber Security oleh BI
Policy on Digitalization in Indonesia's Financial Services Sector: Its Effect on Financial Access and Cyber Security by
BI
59 Digitalising Data Process to Provide Improved Banking Solution oleh MNC Finance
Digitizing Data Process to Provide Improved Banking Solution by MNC Finance
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Nama Pelatihan
No
Name of Training
60 Sistem Pembayaran Indonesia 2025: BI-FAST oleh Perbanas

Indonesian Payment System 2025: BI-FAST by Perbanas
61 Peluncuran Standard Nasional Open API Pembayaran & Peluncuran Praresmi QRIS Antarnegara oleh BI
Launching of the National Standard Open API Payments & Launching of the International QRIS Pre-Official by BI
62 Sosialisasi Ketentuan oleh BI terkait:

− PBI No.23/6/PBI/2021 Tentang Penyedia Jasa Pembayaran (PJP)
− PBI No.23/7/PBI/2021 Tentang Penyelenggara Infrastruktur Sistem Pembayaran (PIP)
− PBI No.23/11/PBI/2021 Tentang Standar Nasional Sistem Pembayaran
Information dissemination by BI regarding:
PBI No.23/6/PBI/2021 concerning Payment Service Providers (PJP)
PBI No.23/7/PBI/2021 concerning Payment System Infrastructure Operators (PIP)
PBI No.23/11/PBI/2021 Concerning National Standard of Payment System
63 Focus Group Discussion (FGD) oleh OJK: Mengenai Pemanfaatan Teknologi Informasi di Industri Perbankan dalam
Rangka Mengakselerasi Inklusi Keuangan
Focus Group Discussion (FGD) by OJK: Regarding Utilization of Information Technology in the Banking Industry to
Accelerate Financial Inclusion
64 Focus Group Discussion (FGD) oleh OJK: Deteksi Kasus Fraud Perbankan Berbasis Teknologi dan Mekanisme
Penanganannya melalui Mekanisme Blokir Rekening, serta Langkah Mitigasi Risikonya
Focus Group Discussion (FGD) by OJK: Detection of Technology-Based Banking Fraud Cases and Handling
Mechanisms through Account Blocking Mechanisms, as well as Risk Mitigation Steps
65 Webinar oleh OJK: Mendorong Akselerasi Transformasi Digital Sektor Perbankan - Diseminasi RUU Perlindungan
Data Pribadi & Peraturan Menkominfo Tentang PSE Lingkup Privat
Webinar by OJK: Encouraging Acceleration of Digital Transformation in the Banking Sector - Dissemination of the
Bill on Personal Data Protection & Regulation of the Minister of Communication and Informatics Regarding Private
Sphere PSE
66 Webinar oleh OJK: Optimalisasi Pemanfaatan Big Data pada Pengembangan Produk & Jasa Keuangan
Webinar by OJK: Optimizing the Utilization of Big Data in the Development of Financial Products & Services
67 Sosialisasi oleh BI: Manajemen Risiko Sistem Informasi kepada PJP

Socialization by BI: Information System Risk Management to PJP
68 Webinar oleh BI: Bijak Bertransaksi Digital

Webinar by BI: Digital Transaction Wise
69 Sosialisasi oleh BI: Forum Komunikasi Penanganan Tindak Kejahatan Siber pada Sistem Pembayaran
Socialization by BI: Communication Forum for Handling Cyber Crimes in the Payment System
70 Webinar oleh OJK OJK Virtual Innovation Day 2021- Building Robust and Sustainable Digital Finance Ecosystem
Amid COVID-19 Pandemic
Webinar by OJK OJK Virtual Innovation Day 2021- Building Robust and Sustainable Digital Finance Ecosystem Amid
COVID-19 Pandemic
71 Webinar oleh OJK Transformasi Perbankan di Era Digital

Webinar by OJK Banking Transformation in the Digital Age
72 Sosialisasi oleh OJK: Launching Cetak Biru Transformasi Digital Perbankan

Socialization by OJK: Launching Blueprint for Digital Banking Transformation
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Nama Pelatihan
No
Name of Training
73 Webinar oleh OJK:

Dampak Pandemi terhadap Perekonomian dan Sistem Keuangan, serta Peran Otoritas Jasa Keuangan dalam
Pemulihan Ekonomi Nasional
Webinars by OJK:
The Impact of the Pandemic on the Economy and Financial System, and the Role of the Financial Services Authority
in the National Economic Recovery
74 Sosialisasi oleh OJK: Kebijakan Revisi Pilar 2 dan Kebijakan Manajemen Risiko Keamanan Siber Bank Umum
Socialization by OJK: Pillar 2 Revision Policy and Commercial Bank Cyber Security Risk Management Policy
75 Webinar oleh BI: Pengajuan Permohonan Persetujuan dan Pelaporan Pengembangan Sistem Pembayaran Ritel
Melalui Aplikasi E-Licensing
Webinar by BI: Submission of Application for Approval and Reporting on Development of Retail Payment System
Through E-Licensing Application
76 Undangan Focuss Group Discussion (FGD) GPN & Bank Acquirer oleh BI: Interoperabilitas Transaksi Elektronik
Dalam Mendukung Implementasi BI FAST
Invitation for Focuss Group Discussion (FGD) of GPN & Bank Acquirers by BI: Interoperability of Electronic Transactions
in Support of BI FAST Implementation
77 Webinar oleh OJK: Pengembangan SDM di Era Digital

Webinar by OJK: HR Development in the Digital Age
78 Sosialisasi oleh BI: Laporan Hasil Penilaian Kepatuhan (LHPK) Sistem Pembayaran & Financial Market
Infrastructure Bank Indonesia serta Kantor Pengelola Daftar Hitam Nasional (SP & FMI BI serta KPDHN) Tahun 2021
Socialization by BI: Report on the Result of Compliance Assessment (LHPK) Payment System & Financial Market
Infrastructure of Bank Indonesia and the Office for Managing the National Black List (SP & FMI BI and KPDHN) 2021
79 Sosialisasi oleh OJK: Cetak Biru Transformasi Digital Perbankan.

Socialization by OJK: Blueprint for Banking Digital Transformation.

Jawab selama 2021 Responsibilities in 2020
Sepanjang tahun 2021, organisasi Kepatuhan telah During 2021, the Compliance organization has
melakukan pengelolaan terhadap risiko kepatuhan managed the Bank’s compliance risk through the
Bank melalui program dan aktivitas kepatuhan following compliance programs and activities:
sebagai berikut:
1. Melakukan reviu dan analisa terhadap fungsi, 1. Reviewing and analyzing the functions,
kinerja dan organisasi Kepatuhan guna penguatan performance and organizational structure of
fungsi dan struktur organisasi Kepatuhan, antara Compliance in order to strengthen the functions
lain melalui: and organizational structure of Compliance
through:
a. Penyusunan dan pemantauan rencana dan a. Formulation and monitoring of Compliance
realisasi kerja Kepatuhan untuk periode 2021; work plans and realization for the 2020 period
b. Pengembangan Sumber Daya Manusia b. Compliance Organization Human Resource
Organisasi Kepatuhan melalui program Development through capacity building
capacity building. programs
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2. Menginisiasi dan memantau proses reviu 2. Initiate and monitor the review process on all
terhadap seluruh ketentuan internal bank untuk internal bank regulations to ensure compliance
memastikan kesesuaian dengan ketentuan with the latest regulatory provisions, ensuring
regulator terkini, tidak adanya ketentuan yang that there are no overlapping and/or conflicting
tumpang tindih dan/atau saling bertentangan provisions and improve risk control as well as to
dan meningkatkan kontrol risiko serta simplifikasi simplify processes and the number of rules.
proses dan jumlah aturan.
3. Melakukan pengujian kepatuhan (Compliance 3. Perform compliance testing (Compliance Testing)
Testing) pada Divisi Investment Product in the Investment Product Division (Mutual Funds),
(Reksadana), proses Open Account (Digital dan Open Account process (Digital and Conventional),
Konvensional), Syariah, CAC. Sharia, CAC.
4. Melakukan pemantauan dan analisa dampak 4. Monitoring and performing impact analyis as well
serta menyusun tindak lanjut atas peraturan as formulating follow-ups on new regulations
baru yang diterbitkan OJK, Bank Indonesia dan issued by the OJK, Bank Indonesia, and other
regulator lainnya. Sosialisasi dan komunikasi atas regulators. Dissemination and communication of
peraturan perundang-undangan baru, analisa new laws and regulations, the impact analysis and
dampak serta tindak lanjut dilakukan baik melalui the follow-up are carried out both through direct
pertemuan langsung dengan unit-unit terkait meetings with related units and through internal
maupun melalui media komunikasi internal yang communication media that are submitted to the
disampaikan ke jajaran Direksi, komisaris, pejabat Board of Directors, commissioners, executive
eksekutif, karyawan pimpinan maupun seluruh officers, leader employees and all employees.
karyawan. Penyusunan dampak dan tindak lanjut Preparation of impacts and follow-up on new
atas peraturan baru yang dampaknya signifikan regulations that have a significant impact on the
terhadap Bank dilakukan bersama dengan unit Bank are carried out together with the related
kerja Bank yang terkait. work units of the Bank.
5. Melakukan pengkajian, reviu, serta menjalankan 5. Conduct studies, reviews, as well as perform
fungsi advisory pada proses pengembangan advisory functions in the process of developing
ketentuan internal, sistem, transaksi, aktivitas serta internal regulations, systems, transactions,
produk dan layanan sebelum ditawarkan kepada activities, and products and services before they
nasabah dan/atau diimplementasikan untuk are offered to customers and/or implemented to
memastikan kepatuhan terhadap ketentuan ensure compliance with regulatory provisions and
regulator dan peraturan perundang-undangan prevailing laws and regulations.
yang berlaku.
6. Melakukan pemantauan terhadap rasio-rasio 6. Monitoring the compliance ratios and prudential
kepatuhan dan rasio prudential banking, seperti: banking ratios, such as:
a. Kewajiban Modal Minimum (KPMM) a. Capital Adequacy Ratio (CAR)
b. Kredit Kualitas Rendah (KKR) b. Statutory Reserves Requirements (GWM)
c. Leverage Ratio (LR) c. Net Open Position (PDN)
d. Liquidity Coverage Ratio (LCR) d. Legal Lending Limit (LLL)
e. Non Core Deposit (NCD) e. Macroprudential Intermediation Ratio/Loan to
Deposit Ratio (RIM/LDR)
f. Net Stable Funding Ratio (NSFR) f. Non Performing Loan (NPL)
g. Giro Wajib Minimum (GWM) g. Minimum Statutory Reserves (GWM)
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h. Posisi Devisa Netto (PDN) h. Posisi Devisa Netto (PDN)

i. Batas Maksimum Pemberian Kredit (BMPK) i. Batas Maksimum Pemberian Kredit (BMPK)
j. Loan to Deposit Ratio (LDR) j. Loan to Deposit Ratio (LDR)
k. Non-Performing Loan (NPL) k. Non-Performing Loan (NPL)
7. Meningkatkan kesadaran atas budaya patuh 7. Raising awareness of the compliance culture
melalui program Compliance Campaign yang through the Compliance Campaign program
dilakukan ke seluruh unit kerja dan jaringan which is carried out in all work units and the Bank’s
cabang Bank baik melalui media komunikasi branch network through internal communication
internal maupun melalui pelatihan kelas dan media as well as through classroom training and
E-Learning. E-Learning
8. Melakukan koordinasi dengan unit kerja lain untuk 8. Coordinating with other work units to monitor
memantau pemenuhan rasio kepatuhan utama compliance with the main compliance ratios
dan prinsip kehati-hatian bank, pemenuhan tindak and the bank’s prudential principles, fulfillment
lanjut peraturan baru dari regulator, pemenuhan of follow-up to new regulations from regulators,
regulatory projects, pemenuhan komitmen bank fulfillment of regulatory projects, fulfillment of the
terhadap regulator termasuk pelaksanaan audit bank’s commitments to regulators, including the
serta pemantauan tindak lanjut audit, serta implementation of audits and monitoring of audit
penerapan kepatuhan pada umumnya di seluruh follow-ups, and the implementation of compliance
jajaran organisasi Bank. in general throughout the Bank’s organization.
9. Memperkuat pemantauan kepatuhan dan 9. Strengthening compliance monitoring and
pemantauan pemenuhan komitmen-komitmen monitoring the fulfillment of the Bank’s
Bank ke regulator melalui pengembangan sistem commitments to regulators through the
teknologi informasi kepatuhan (Compliance development of a compliance information
System). technology system (Compliance System), which
was implemented.
10. Melakukan reviu dan penyempurnaan 10. Conducting reviews and improvement on the
terhadap infrastruktur dan penerapan Tata infrastructure and implementation of Good
Kelola Perusahaan yang Baik (Good Corporate Corporate Governance (GCG) by optimizing the
Governance/GCG) melalui optimalisasi fungsi functions of the Board of Commissioners and
Dewan Komisaris dan Dewan Pengawas Syariah Sharia Supervisory Board in conducting reviews
dalam melakukan reviu dan memberikan and providing input on compliance with the
masukan dari sisi kepatuhan terhadap aktivitas operational activities of the Bank and/or Sharia
operasional Bank dan/atau Unit Usaha Syariah Business Unit of the Bank. In addition, the
Bank. Selain itu, unit kerja kepatuhan mendorong compliance unit encourages the implementation
penerapan keuangan berkelanjutan pada Bank of sustainable finance at Sinarmas Bank as part of
Sinarmas sebagai bagian dari penerapan GCG. the GCG implementation.
11. Mengintensifkan diskusi, komunikasi dan 11. Intensifying discussion, communication, and
sosialiasi sebagai salah satu bentuk pegawasan socialization as a form of supervision on the
atas penerapan GCG dan Kepatuhan pada implementation of GCG and Compliance at the
Konglomerasi Keuangan Sinarmas, di mana Sinarmas Financial Conglomerate, where the
Bank sebagai Entitas Utama menjalankan fungsi Bank as the Main Entity carries out the function
untuk mendorong peningkatan dan pendalaman to encourage improvement and deepening of the
kualitas GCG, dan kepatuhan pada seluruh quality of GCG and compliance with all members
anggota konglomerasi keuangan Sinarmas. of the Sinarmas financial conglomerate.
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12. Melakukan rangkaian aktivitas terkait 12. Carrying out a series of activities related to the
implementasi program Anti Pencucian Uang implementation of the Anti Money Laundering
(APU) dan Pencegahan Pendanaan Terorisme (AML) and Counter-Terrorism Financing (CFT)
(PPT), antara lain: programs, including::
a. Melakukan pengembangan sistem internal a. Developing an internal system as an adjustment
sebagai penyesuaian atas perubahan sistem to changes to the new PPATK reporting system
pelaporan PPATK yang baru (goAML). Sebagai (goAML). As one of the Banks appointed to
salah satu Bank yang ditunjuk menjadi be the pilot Bank, the Bank has successfully
pilot Bank, Bank telah berhasil melakukan implemented these changes in accordance with
implementasi perubahan tersebut sesuai established terms and requirements in a timely
dengan persyaratan serta requirement yang manner, with the golive date on 1 February 2021.
ditetapkan secara tepat waktu, dengan tanggal
golive di 1 Februari 2021. b. Develop a customer activity monitoring
b. Mengembangkan sistem pemantauan aktivitas system related to the AML and CFT Program
nasabah terkait Program APU dan PPT guna to effectively support the implementation
secara efektif mendukung penerapan program of the AML and CFT programs as well as
APU dan PPT serta memenuhi seluruh kewajiban meeting all Bank obligations in accordance
Bank sesuai peraturan perundang-undangan with the prevailing laws and regulations. This
yang berlaku. Pengembangan ini dilakukan development is carried out by replacing the old
dengan cara penggantian sistem pemantauan monitoring system with a new system, enabling
yang lama dengan sistem yang baru sehingga the monitoring of customer activity to be carried
pemantauan terhadap aktivitas nasabah dapat out in a more effective and efficient manner, in
dilakukan lebih efektif dan efisien, sesuai accordance with the NRA and SRA set by the
dengan NRA dan SRA yang ditetapkan oleh Regulator. The Bank has completed the vendor
Regulator. Bank telah menyelesaikan pemilih selector for the new AML and CFT System and
vendor untuk Sistem APU dan PPT baru dan started development since May 2020.
memulai pengembangan sejak Mei 2020 dan
tetap melanjutkan pengembangan pada tahun
2021.
c. Selama dalam proses pengembangan sistem c. During the new system development process,
baru, sistem APU dan PPT yang saat ini the AML and CFT system currently in use
digunakan terus direviu dan dikembangkan is continuously reviewed and developed
secara pararel guna mendukung pemenuhan in parallel to support the fulfillment of the
kewajiban Bank terutama pemenuhan Bank’s obligations, especially the fulfillment
kewajiban pelaporan ke Pusat Pelaporan dan of reporting obligations to the Financial
Analisis Transaksi Keuangan (PPATK). Transaction Reporting and Analysis Center
(PPATK).
d. Secara kontinyu melakukan sosialisasi dan d. Continuously conduct AML and CFT
pelatihan APU dan PPT untuk meningkatkan dissemination and training to improve the
pemahaman staf Bank terhadap Program APU understanding of Bank staff on the AML and
dan PPT. CFT Program.
e. Melakukan reviu kepatuhan atas ketentuan e. Issue AML and CFT policies as well as reviewing
internal, proses, transaksi, aktivitas, operasional, compliance with internal regulations, processes,
sistem, aktivitas serta produk dan layanan transactions, activities, operations, systems,
Bank, guna memastikan kepatuhan terhadap activities, and products and services of the Bank,
ketentuan APU dan PPT yang berlaku. to ensure compliance with the applicable AML
and CFT regulations.
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f. Melaporkan Transaksi Keuangan Mencurigakan f. Reporting Suspicious Financial Transactions

(LTKM), Transaksi Keuangan Tunai (LTKT), (LTKM), Cash Financial Transactions (LTKT),
Transaksi Keuangan Transfer Dana dari dan Financial Transactions of Funds Transfers from
ke Luar Negeri (LTKL) serta Laporan Sistem and to Overseas (LTKL,) and Integrated Service
Informasi Pengguna Jasa Terpadu (SIPESAT) ke User Information System Reports (SIPESAT) to
PPATK. PPATK.
g. Secara kontinyu melakukan pengkinian data g. Continuously updating Customer data, where
Nasabah, dimana realisasi pengkinian data the realization of updating customer data is
nasabah tersebut dilaporkan dalam laporan reported in the Compliance Director’s semester
semesteran Direktur Kepatuhan ke Regulator report to the relevant Regulator.
terkait.
Peta Jalan Fungsi Kepatuhan Road Map of the Compliance

Function
Organisasi kepatuhan memiliki visi, misi, dan objektif The compliance organization has a vision, mission, and
menjaga keseimbangan antara aspek kepatuhan, objective to maintain a balance between compliance,
komersial dan inovasi guna mendorong pertumbuhan commercial and innovation aspects to encourage
bisnis Bank yang sehat dan berkelanjutan. Bank healthy and sustainable Bank business growth. The
melakukan penguatan organisasi kepatuhan Bank continuously strengthens the compliance
secara berkesinambungan melalui peta jalan fungsi organization through the compliance function road
kepatuhan. map.
Bank berkomitmen untuk memenuhi ketentuan The Bank is committed to complying with the
dan standar praktik perbankan yang sehat provisions and standards of sound banking practices
dengan menerapkan strategi manajemen risiko by implementing a compliance risk management
kepatuhan. Setiap pimpinan di seluruh unit kerja strategy. Each leader in all work units of the Bank
Bank bertanggung jawab langsung terhadap is directly responsible for the implementation of
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pelaksanaan kepatuhan di unitnya masing-masing, compliance in their respective units, including

termasuk memastikan langkah-langkah koreksi ensuring corrective steps for non-compliance and
atas ketidakpatuhan dan pengawasan terhadap supervision of the implementation of these corrective
pelaksanaan tindakan korektif tersebut. actions.
Rencana Strategis 2022 2021 Strategic Plan

Satuan Kerja Kepatuhan telah menyiapkan rencana The Compliance Unit has prepared a strategic plan
strategis yang akan direalisasikan pada tahun 2022, that will be realized in 2022, including:
yang di antaranya adalah:
1. Memperkuat organisasi kepatuhan dengan 1. Strengthening the compliance organization
mengembangkan Sumber Daya Manusia (SDM) by developing the Human Resources (HR) of
unit kepatuhan melalui program-program the compliance unit throughcapacity building
pengembangan kapasitas guna mengakselerasi programs to accelerate the HR competencies of the
kompetensi SDM SKK dalam menjalankan fungsi Compliance Unit in carrying out effective and quality
advisory dan pengawasan yang efektif dan advisory and supervisory functions in encouraging
berkualitas dalam mendorong budaya kepatuhan, a culture of compliance, innovation, and business
inovasi dan bisnis yang diarahkan untuk directed at developing the HR of the Compliance
mengembangkan SDM SKK untuk memahami Unit to understand digital technology as well as
teknologi digital serta regulasi terkait digital dan digital and technology-related regulations.
teknologi.
2. Secara berkelanjutan meningkatkan kesadaran 2. Continuously raising the awareness and compliance
dan budaya kepatuhan melalui program culture through more intensive Compliance
Compliance Campaign yang lebih intensif ke Campaign to all work units and the Bank’s branch
seluruh unit kerja dan jaringan cabang Bank network through internal communication media
baik melalui media komunikasi internal maupun as well as classroom training via video conferencing
pelatihan kelas melalui video conference dan and e-learning. The Compliance Unit plans to
e-learning. SKK berencana mengembangkan develop a Compliance Portal and Compliance
Compliance Portal dan e-mail hotline Compliance Group e-mail hotline, as a 2-way communication
Group, sebagai media komunikasi 2 arah dan medium and a more effective compliance
channel sosialisasi kepatuhan yang lebih efektif socialization channel between th Compliance Unit
antara SKK dengan seluruh jaringan cabang/kerja and the entire branch/work network of the Bank.
Bank.
3. Melaksanakan pengujian kepatuhan (Compliance 3. Carry out Compliance Testing at the Bank’s work
Testing) pada unit-unit kerja Bank yang akan units, which will be focused on internal control units
difokuskan pada unit pengendalian internal dan and certain business units based on compliance
unit bisnis tertentu berdasarkan analisis risiko risk analysis to ensure compliance with regulatory
kepatuhan untuk memastikan pemenuhan requirements applicable to the activities of the
kepatuhan atas ketentuan regulator yang berlaku work unit as well as identifying and escalating
pada aktivitas unit kerja serta mengidentifikasi dan issues related to Bank compliance, which requires
mengeskalasi isu-isu terkait dengan kepatuhan the establishment of strategic and immediate
Bank yang memerlukan penetapan langkah measures to address weaknesses in compliance
strategis dan cepat untuk mengatasi kelemahan issues to the management.
masalah kepatuhan kepada manajemen.
4. Meningkatkan kualitas output dari produk 4. Improve the output quality of Advisory products
advisory yang dikeluarkan oleh SKK. issued by the Compliance Unit.
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5. Melanjutkan pemantauan dan enforcement atas 5. Continue the monitoring and enforcement on the
kualitas output dari proses telaah yang dilakukan output quality from the review process carried
terhadap seluruh ketentuan internal bank untuk out on all internal bank regulations to ensure
memastikan kesesuaian terhadap ketentuan compliance with the latest regulatory provisions
regulator yang terkini serta hirarki ketentuan as well as the hierarchy of regulations applicable in
yang berlaku di Bank, memastikan tidak adanya the Bank, ensuring that there are no overlapping
ketentuan yang tumpang tindih atau saling or conflicting provisions, improving risk control, as
bertentangan, meningkatkan kontrol risiko serta well as simplifying processes and the number of
simplifikasi proses dan jumlah aturan. rules.
6. Memperkuat pemantauan kepatuhan termasuk 6. Strengthening compliance monitoring including
pemantauan pemenuhan komitmen-komitmen monitoring the fulfillment of the Bank’s
Bank ke regulator. commitments to regulators through the initiation
of a compliance information technology system
development that was completed in mid-2020.
7. Memperkuat fungsi pengendalian internal Bank 7. Strengthening the internal control function of the
antara lain melalui program compliance testing Bank, among others, through Compliance Testing
yang dilakukan SKK secara langsung maupun program conducted by the Compliance Unit
yang dilakukan dengan bekerja sama dengan directly or in collaboration with internal control
fungsi-fungsi pengendalian internal yang ada functions in the Bank.
pada Bank.
8. Melakukan reviu terhadap kebijakan dan prosedur 8. Reviewing the Bank’s AML/CFT policies and
APU/PPT Bank baik yang berlaku untuk unit-unit procedures, that are applicable both at the Bank’s
kerja Bank di Kantor Pusat, Cabang maupun Divisi work units at the Head Office, Branches and the
APU dan PPT – Compliance Kantor Pusat. AML and CFT Division - Compliance of Head Office.
9. Melakukan pembangunan Sistem baru APU 9. Developing a new AML and CFT system for the Bank
dan PPT Bank guna secara efektif mendukung to effectively support program implementation as
penerapan program serta memenuhi seluruh well as fulfill all Bank obligations in accordance
kewajiban Bank sesuai peraturan perundang- with the prevailing laws and regulations. In line
undangan yang berlaku. Sejalan dengan tren with the banking and digital economy trends, the
perbankan dan ekonomi digital, Bank akan Bank will take advantage of Regulatory Technology
memanfaatkan Regulatory Technology (regtech) (regtech) to help comply with Know Your
dalam membantu pemenuhan aturan Know Your Customer regulations through the development
Customer melalui Electronic KYC. of Video Banking, Face Recognition, and biometric
technology (Electronic KYC).
10. Meninjau infrastruktur dan menyiapkan program 10. Review infrastructure and prepare programs to
untuk mendorong dan memperkuat penerapan encourage and strengthen the implementation of
Good Corporate Governance (GCG) Bank. the Bank’s Good Corporate Governance (GCG).
11. Meninjau infrastruktur dan menyiapkan program 11. Reviewing infrastructure and preparing programs
untuk mendorong dan memperkuat penerapan to encourage and strengthen the implementation
kepatuhan dan GCG pada Grup Keuangan of compliance and GCG in the Financial Group or
atau Konglomerasi Keuangan Sinarmas. the Sinarmas Financial Conglomerate. The system
Pengembangan sistem akan pula dilakukan development will also be carried out to ensure
untuk memastikan pemantauan dan asesmen monitoring and assessment on the implementation
penerapan kepatuhan dan GCG pada grup of compliance and GCG in the financial group or
keuangan atau konglomerasi keuangan Sinarmas. Sinarmas financial conglomerate
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SISTEM PENGENDALIAN INTERNAL

INTERNAL CONTROL SYSTEM
Salah satu komponen penting dalam manajemen One of the important components in the
dan kegiatan operasional Bank adalah Sistem management and operational activities of the Bank is
Pengendalian Intern (SPI). Efektivitas SPI membantu the Internal Control System (SPI). The effectiveness of
manajemen menjaga aset bank, menjamin SPI helps management maintain bank assets, ensures
tersedianya pelaporan keuangan dan manajerial yang the availability of reliable financial and managerial
dapat dipercaya, meningkatkan kepatuhan terhadap reporting, improves compliance with applicable
ketentuan dan peraturan perundang-undangan yang laws and regulations, and reduces the risk of losses,
berlaku, serta mengurangi risiko terjadinya kerugian, irregularities and violations of prudential aspects.
penyimpangan dan pelanggaran aspek kehati-hatian.
Bank Sinarmas menerapkan SPI dengan mengacu Bank Sinarmas applies SPI with reference to OJK
pada Surat Edaran OJK No. 35/SEOJK.03/2017 tentang Circular Letter No. 35/SEOJK.03/2017 concerning
Pedoman Standar Pengendalian Intern bagi Bank Guidelines for Internal Control Standards for
Umum. Penerapan manajemen risiko dan sistem Commercial Banks. The implementation of risk
pengendalian intern menjadi tanggung jawab management and internal control systems is the
bersama seluruh manajemen dan karyawan Bank joint responsibility of all management and employees
Sinarmas. Bank terus menanamkan kesadaran akan of Bank Sinarmas. The Bank continues to instill risk
risiko (risk awareness) di setiap jenjang organisasi. awareness at every level of the organization.
Secara berkala, Bank Sinarmas melakukan tinjauan Periodically, Bank Sinarmas review tasks division
atas kecukupan pemisahan tugas, dual control/dual sufficiency, dual control/dual custody, policies
custody, kebijakan dan prosedur atas penerapan and procedures of the internal control system
sistem pengendalian intern dalam rangka implementation in order to provide adequate
memberikan keyakinan yang memadai. assurance
Tujuan Pengendalian Internal Objectives of Internal Control

1. Menjamin semua kegiatan usaha bank telah 1. Ensure that all bank business activities have been
dilaksanakan sesuai ketentuan dan peraturan carried out in accordance with the applicable
perundang-undangan yang berlaku, baik laws and regulations, both regulations issued by
ketentuan yang dikeluarkan pemerintah, Otoritas the government, the Financial Services Authority,
Jasa Keuangan maupun kebijakan, ketentuan dan as well as policies, rules and internal regulations
peraturan internal yang ditetapkan oleh bank. stipulated by the bank.
2. Menjamin tersedianya laporan yang lengkap, 2. Ensuring the availability of comprehensive,
akurat, tepat guna dan tepat waktu yang accurate, efficient, and timely reports required
diperlukan dalam rangka pengambilan keputusan in order to make the proper and accountable
yang tepat dan dapat dipertanggungjawabkan. decisions.
3. Meningkatkan efektivitas dan efisiensi dalam 3. Increase the effectiveness and efficiency in using
menggunakan aset dan sumber daya lainnya assets and other resources in order to protect the
dalam rangka melindungi bank dari risiko bank from the risk of loss.
kerugian. 4. To Identify weaknesses and to assess irregularities
4. Mengidentifikasi kelemahan dan menilai early, as well as to re-assess the adequacy of
penyimpangan secara dini serta menilai kembali existing policies and procedures in the bank on an
kewajaran kebijakan dan prosedur yang ada di ongoing basis.
bank secara berkesinambungan.
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Kesesuaian Pengendalian Internal Conformity of Internal Control with

dengan COSO COSO
Bank Sinarmas menuangkan Sistem Pengendalian Bank Sinarmas puts the Internal Control System in
Intern dalam Pedoman Sistem Pengendalian Intern the Internal Control System Guidelines Revision 4.0
Revisi 4.0 sesuai ketetapan Direksi dalam Surat according to the provisions of the Board of Directors
Keputusan SK. No. 056/2020/PRESDIR-SKAI tanggal 4 in the SK Decree. No. 056/2020/PRESDIR-SKAI on
September 2020. September 4, 2020.
Dalam penerapannya, Bank telah miliki pedoman In its application, the Bank has established the
yang mencakup 5 (lima) elemen pokok yang saling guidelines covering 5 (five) main elements which are
berkaitan, yaitu: interrelated, namely:
1. Pengawasan oleh manajemen dan budaya 1. Supervision by the Management and control culture
pengendalian 2. Risk identification and assessment
2. Identifikasi dan penilaian risiko 3. Control activities and separation of functions
3. Kegiatan pengendalian dan pemisahan fungsi 4. Accounting, information, and communication
4. Sistem akuntansi, informasi, dan komunikasi system
5. Kegiatan pemantauan dan tindakan koreksi 5. Monitoring activities and corrective measures for
penyimpangan deviation/ weakness
Kelima komponen tersebut sejalan dengan Internal The five components are in line with the Internal
Control Integrated Framework yang dikembangkan Control Integrated Framework developed by The
oleh The Committee of Sponsoring Organization of Committee of Sponsoring Organization of the
the Treadway Commission (COSO). Treadway Commission (COSO).
Evaluasi atas Efektivitas Sistem Evaluation on the Effectivess of

Pengendalian Internal Internal Control System
Bank Sinarmas melaksanakan sistem pengendalian Bank Sinarmas implements its internal control system
intern sesuai dengan Internal Control Integrated in accordance with the Internal Control Integrated
Framework yang telah dikeluarkan oleh COSO. Framework that was issued by COSO. Control activities
Kegiatan pengendalian terlebih dahulu direncanakan are first planned and implemented in order to control
dan diterapkan guna mengendalikan risiko yang risks that may affect the bank’s performance or result
dapat mempengaruhi kinerja atau mengakibatkan in losses.
kerugian bank.
Permasalahan yang terkait dengan kecukupan Issues related to the adequacy of internal control have
pengendalian intern telah dilaporkan kepada been reported to the Board of Directors, Board of
Direksi, Dewan Komisaris, dan Komite Audit dan Commissioners, and the Audit Committee and follow-
langkah-langkah tindak lanjut telah dilakukan untuk up measures have been carried out to minimize risk.
meminimalisasi risiko. Direksi memandang Sistem The Board of Directors views that the Internal Control
Pengendalian Internal yang diterapkan di lingkungan System implemented within the Bank has met the
Bank telah memenuhi kecukupan dan ketentuan adequacy and applicable regulations.
yang berlaku.
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MANAJEMEN RISIKO
RISK MANAGEMENT
Manajemen Risiko adalah serangkaian metodologi Risk Management is a set of methodologies and
dan prosedur yang digunakan untuk mengidentifikasi, procedures used to identify, measure, monitor, and
mengukur, memantau, dan mengendalikan risiko control Risks arising from all Bank business activities.
yang timbul dari seluruh kegiatan usaha Bank. Bank Bank Sinarmas implements a risk management
Sinarmas menerapkan kerangka manajemen risiko framework that includes strategies, organizations,
yang mencakup strategi, organisasi, kebijakan dan policies and procedures, as well as risk management
prosedur, serta metodologi manajemen risiko dengan methodologies with the aim of ensuring that all
tujuan memastikan seluruh risiko yang dihadapi Bank risks faced by the Bank can be identified, measured,
dapat diidentifikasi, diukur, dipantau, dikendalikan monitored, controlled and conveyed appropriately
dan disampaikan secara tepat dan efektif. and effectively.
Kebijakan Penerapan Manajemen Risk Management Implementation

Risiko Policy
Sebagai lembaga jasa keuangan perbankan, Bank As a banking financial services institution, Bank
Sinarmas memiliki kewajiban menerapkan kebijakan Sinarmas has the obligation to implement risk
manajemen risiko bagi bank umum sesuai regulasi. management policies for commercial banks in
accordance with regulations.
LANDASAN HUKUM PENERAPAN MANAJEMEN LEGAL BASIS OF RISK MANAGEMENT

RISIKO IMPLEMENTATION
1. Undang-Undang Nomor 7 Tahun 1992 tentang 1. Law Number 7 of 1992 concerning Banking as
Perbankan sebagaimana telah diubah dengan amended by Law Number 10 of 1998.
Undang-Undang Nomor 10 Tahun 1998.
2. Peraturan Otoritas Jasa Keuangan antara lain 2. Regulations of the Financial Services Authority,
No.18/ POJK.03/2016 tanggal 16 Maret 2016 tentang among others, No.18/ POJK.03/2016 dated March
Penerapan Manajemen Risiko bagi Bank Umum. 16, 2016 concerning the Implementation of Risk
Management for Commercial Banks.
3. Surat Edaran Otoritas Jasa Keuangan No. 34/ 3. Financial Services Authority Circular Letter
SEOJK.03/2016 tanggal 01 September 2016 No.34/SEOJK.03/2016 dated 01 September
tentang Penerapan Manajemen Risiko bagi Bank 2016 concerning the Implementation of Risk
Umum (beserta lampiran). Management for Commercial Banks (along with
attachments).
4. Peraturan Otoritas Jasa Keuangan No. 17/ 4. Financial Services Authority Regulation
POJK.03/2014 tertanggal 18 November 2014 No.17/POJK.03/2014 dated 18 November 2014
tentang Penerapan Manajemen Risiko Terintegrasi concerning the Implementation of Integrated
bagi Konglomerasi Keuangan. Risk Management for Financial Conglomerates.
5. Surat Edaran Otoritas Jasa Keuangan No. 14/ 5. Financial Services Authority Circular Letter No.14/
SEOJK.03/2015 tertanggal 25 Mei 2015 tentang SEOJK.03/2015 dated 25 May 2015 concerning the
Penerapan Manajemen Risiko Terintegrasi. Implementation of Integrated Risk Management.
6. Peraturan Otoritas Jasa Keuangan No. 55/ 6. Financial Services Authority Regulation No.55/
POJK.03/2016 tertanggal 07 Desember 2016 POJK.03/2016 dated 07 December 2016 concerning
tentang Penerapan Tata Kelola bagi Bank Umum. the Implementation of Good Corporate
Governance for Commercial Banks.
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7. Surat Edaran Otoritas Jasa Keuangan No. 013/ 7. Financial Services Authority Circular No.013/
SEOJK.03/2017 tanggal 17 Maret 2017 tentang SEOJK.03/2017 dated March 17, 2017 concerning the
Penerapan Tata Kelola bagi Bank Umum. Implementation of Good Corporate Governance
for Commercial Banks.
Bank memiliki kebijakan internal berupa Pedoman The Bank has an internal policy in the form of Guidelines
Penerapan Manajemen Risiko PT. Bank Sinarmas for the Implementation of Risk Management for PT.
Tbk. bertujuan untuk memastikan risiko-risiko yang Bank Sinarmas Tbk. which aims to ensure that the risks
dihadapi Bank maupun Lembaga Jasa Keuangan faced by the Bank and Financial Services Institutions
dapat diidentifikasi, diukur, dikendalikan, dan can be identified, measured, controlled and reported
dilaporkan dengan baik. Kebijakan ini telah diunggah properly. This policy has been uploaded on the Bank
pada situs web Bank Sinarmas. https://www. Sinarmas website. https://www.banksinarmas.com/
banksinarmas.com/id/informasiumum/tatakelola/ id/informationum/tatakelola/terkait-manajemen-
terkait-manajemen-resiko. Kebijakan tersebut risk. This policy is an important part of efforts to keep
merupakan bagian penting dari upaya mengikuti up with the rapidly growing external and internal
perkembangan eksternal dan internal perbankan developments of banking.
yang berkembang pesat.
Bank Sinarmas senantiasa patuh terhadap regulasi Bank Sinarmas always complies with the regulations
yang telah ditetapkan oleh regulator dan mengacu set by the regulator and refers to international best
kepada international best practices untuk practices for implementing risk management, and
menerapkan manajemen risiko, dan melakukan reports related to the Bank’s products and/or activities
pelaporan terkait dengan produk dan/atau aktivitas to the regulator properly and in a timely manner.
Bank kepada regulator dengan baik dan tepat waktu.
Selain itu, Bank Sinarmas telah mengimplementasikan In addition, Bank Sinarmas has implemented a Risk
Budaya Kesadaran Risiko dalam rangka mendorong Awareness Culture in order to encourage Risk Owners
Pemilik Risiko di seluruh jenjang organisasi bank at all levels of the bank’s organization to identify and
untuk mengidentifikasi dan mengelola risiko dengan manage risk with adequate policies and/or internal
kebijakan dan/atau internal control yang memadai control up to the established tolerance level.
sampai dengan tolerance level yang telah ditetapkan.
Penerapan Keuangan Berkelanjutan Sustainable Finance Implementation

[102-11] [102-11]
PT. Bank Sinarmas Tbk. sebagai Lembaga Jasa PT. Bank Sinarmas Tbk. as a Financial Services
Keuangan dan Perusahaan Publik melakukan Institution and Public Company implements
penerapan keuangan berkelanjutan melalui sustainable finance through better management
pengelolaan risiko sosial dan lingkungan hidup yang of social and environmental risks by applying the
lebih baik dengan menerapkan prinsip Keuangan principles of Sustainable Finance so as to be able to
Berkelanjutan sehingga mampu berkontribusi positif contribute positively to financial system stability.
pada stabilitas sistem keuangan.
Dalam penerapan keuangan berkelanjutan Bank In implementing sustainable finance, the Bank
telah menyusun Kebijakan Penerapan Keuangan has prepared a Policy for the Implementation of
Berkelanjutan yang berfungsi sebagai pedoman Sustainable Finance which serves as a guideline in
dalam mengembangkan keuangan berkelanjutan developing sustainable finance in line with the policies
sejalan dengan kebijakan dari regulator. Kebijakan of the regulator. The policy has been approved by the
tersebut telah disetujui oleh Direksi dan Komisaris Board of Directors and Commissioners of the Bank.
Bank.
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Sejalan dengan penerapan Peraturan Otoritas Jasa In line with the implementation of the Financial
Keuangan (POJK) No. 51/POJK.03/2017 tentang Services Authority Regulation (POJK) No. 51/
Penerapan Keuangan Berkelanjutan bagi Lembaga POJK.03/2017 Regarding the Implementation of
Jasa Keuangan, Emiten dan Perusahaan Publik, Bank Sustainable Finance for Financial Service Institutions,
melakukan Rencana Aksi Keuangan Berkelanjutan Issuers and Public Companies, the Bank implements
secara efektif untuk mendukung kegiatan penerapan an effective Sustainable Finance Action Plan to
Keuangan Berkelanjutan guna meningkatkan kualitas support the implementation of Sustainable Finance
kehidupan dan lingkungan yang bermanfaat, baik activities in order to improve the quality of life and
bagi Perseroan sendiri, komunitas setempat, maupun a beneficial environment, both for the Company
masyarakat pada umumnya. Bank melakukan proses itself, the community local communities, as well as
penyaringan awal (pra-screening) atas permohonan the community in general. Bank conducts a pre-
pinjaman atau peningkatan portofolio pembiayaan, screening process for loan applications or an increase
investasi sesuai kriteria risiko yang dapat diterima dan in the financing portfolio, investments according to
dampak pembiayaan tersebut terhadap lingkungan acceptable risk criteria and the impact of the financing
dan sosial. Bank secara regular melakukan reviu on the environment and social. Bank regularly conduct
atau pengkajian ulang kebijakan internal terhadap a review of internal policies on ongoing processes
proses dan aktivitas yang sedang berjalan serta and activities as well as determine strategies for
menetapkan strategi dalam mengimplementasi implementing sustainable finance in sectors that are
keuangan berkelanjutan terhadap sektor yang the focus of banks and sectors that have the potential
menjadi fokus bank dan sektor yang mempunyai to support sustainable finance, internal capacity
potensi dalam mendukung keuangan berkelanjutan, development of Financial Services Institutions (LJK)
pengembangan kapasitas intern Lembaga Jasa within the Sinarmas group including organizational
Keuangan (LJK) dalam grup Sinar Mas termasuk adjustments, risk management to support financial
penyesuaian organisasi, manajemen Risiko untuk literacy and financial inclusion programs.
mendukung program literasi keuangan dan inklusi
keuangan.
Dalam hal pembiayaan, investasi, Bank menerapkan In terms of financing, investment, the Bank
kebijakan dan/atau strategi yang dilakukan dengan implements policies and/or strategies that are carried
memperhatikan unsur lingkungan, sosial, dan tata out by taking into account environmental, social,
kelola meliputi melakukan penilaian identifikasi and governance elements including conducting
terhadap prospek usaha, pengelolaan risiko an identification assessment of business prospects,
lingkungan atas usaha yang dilakukan oleh debitur managing environmental risks for the business
termasuk pembuangan limbah, memastikan bahwa carried out by debtors including waste disposal,
debitur tidak berada pada segmen atau kegiatan ensuring that debtors do not being in a segment
usaha yang dilarang untuk diberikan kredit oleh or business activity that is prohibited from granting
pemerintah dan internal bank sinarmas, usaha credit by the government and internal bank Sinarmas,
atau proyek yang dijalankan tidak membahayakan the business or project being carried out does not
lingkungan dengan melakukan analisa dokumen endanger the environment by analyzing documents
terhadap ijin usaha, kelengkapan perizinan, termasuk on business permits, complete permits, including
dokumen Analisis Mengenai Dampak Lingkungan Environmental Impact Analysis (AMDAL) documents,
(AMDAL), Undang-Undang Gangguan (HO), Laws Disturbance (HO), conducting direct visits
melakukan visit langsung memastikan debitur sudah to ensure that the debtor has complied with the
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memenuhi ketentuan dan aturan terkait lingkungan provisions and regulations related to the environment
sebelum menyetujui pembiayaan dengan calon before approving financing with potential customers
nasabah atau debitur. Khusus untuk perkebunan or debtors. Specifically for oil palm plantations, the
sawit, Bank menerapkan ketentuan tentang sertifikat Bank applies provisions regarding sustainable palm
sawit berkelanjutan dimana harus melengkapi oil certificates which must be completed with the
dengan Indonesian Sustainable Palm Oil System Indonesian Sustainable Palm Oil System (ISPO) and/
(ISPO) dan/atau Roundtable on Suistanable Palm Oil or the Roundtable on Sustainable Palm Oil (RSPO).
(RSPO).
Adapun Penerapan prinsip Keuangan Berkelanjutan The implementation of Sustainable Finance principles
yang telah dan akan dilakukan oleh Bank antara lain that have been and will be carried out by the Bank are
sebagai berikut: as follows:
1. Bank telah berkomitmen dan melakukan aksi 1. The Bank has committed and taken concrete
nyata sebagai upaya mendukung implementasi actions as an effort to support the implementation
pembangunan berkelanjutan di Indonesia of sustainable development in Indonesia by
dengan berkontribusi pada pembangunan contributing to sustainable national development
nasional berkelanjutan dan kelestarian alam, di and nature conservation, including:
antaranya:
• Sektor Perkebunan Sawit • Oil Palm Plantation Sector
Bank menerapkan ketentuan tentang Bank implements a requirement on the
sertifikat sawit berkelanjutan (Indonesian Indonesian Sustainable Palm Oil (ISPO) or the
Sustainable Palm Oil System (ISPO) dan/ Roundtable on Sustainable Palm Oil (RSPO) to
atau Roundtable on Suistanable Palm Oil finance oil palm corporations. Bank Sinarmas
(RSPO) untuk pembiayaan kepada debitur expects the debtor to be aware of the social
yang bergerak di bidang perkebunan sawit. and environmental aspects to support
Diharapkan dengan adanya sertifikat tersebut sustainable development implementation.
membantu debitur lebih memahami dan
menyadari akan pentingnya aspek sosial
dan lingkungan dalam usahanya untuk
mendukung implementasi pembangunan
berkelanjutan.
• Sektor Energi • Energy Sector
Di bidang pengelolaan energi, Bank mulai Bank Sinarmas starts to increase private
meningkatkan pembiayaan kepada companies’ investment in new and renewable
perusahaan swasta yang memproduksi energy, such as biodiesel. At the same time,
energi baru dan terbarukan di antaranya saat Bank begins to explore the financing of Solar
ini bergerak di bidang Biodiesel. Adapun Bank Power Plants (PLTS), Minihydro Power Plants
akan mulai menjajaki eksposur pembiayaan (PLTMH), Biomass and Biogas power plants.
di bidang Pembangkit Listrik Tenaga Surya
(PLTS), Pembangkit Listrik Tenaga Minihidro
(PLTMH), PLT Biomassa, dan PLT Biogas.
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• Kredit Usaha Rakyat • Micro Credit

Bank terus berkontribusi dalam pembiayaan Bank Sinarmas continue to contribute to
pembangunan berkelanjutan kepada the community and perceived unbankable
masyarakat unbankable melalui penyaluran individuals, including fisheries, livestock,
kredit usaha rakyat (KUR) antara lain pada and agriculture individual debtors, through
sektor produksi seperti perikanan, peternakan, micro credit’s disbursement. Bank Sinarmas
pertanian. Bank memberikan pendampingan helps the community with financial products
dan pembelajaran atas produk dan/atau and services to encourage small businesses
jasa keuangan guna memberikan kontribusi to support sustainable development
dalam pengelolaan dan memajukan usaha- implementation.
usaha kecil masyarakat Indonesia dalam
berkelanjutan.
• Digital Loan • Digital Loans
Bank terus meningkatkan secara The Bank continues to continuously improve
berkesinambungan peran dan kontribusi its role and contribution in financial literacy
dalam literasi dan inklusi keuangan di tanah and inclusion in the country in line with the
air seiring perkembangan Teknologi Informasi development of Information Technology
(TI). Bank membidik peluang perkembangan (IT). The Bank is targeting opportunities for
ekonomi digital di Indonesia dengan the development of the digital economy
mengembangkan layanan pemberian kredit in Indonesia by developing online lending
secara online (digital loan) untuk kebutuhan services (digital loans) for the needs of
penyaluran kredit mikro maupun kebutuhan microcredit distribution and consumer credit
penyaluran kredit konsumer. Penyaluran disbursement needs. Credit distribution
kredit melalui digital memungkinkan kegiatan through digital allows operational activities
operational dapat mengurangi penggunaan to reduce paper use (paperless), this is one
kertas (paperless), hal ini salah satu upaya of the efforts to reduce the negative impact
mengurangi dampak negatif bagi lingkungan on the environment so that it becomes more
sehingga menjadi lebih ramah lingkungan. environmentally friendly.
2. Bank melakukan pengkinian data debitur terkait 2. Banks update debtor data related to
kepatuhan Lingkungan, Sosial dan Tata Kelola Environmental Social Governance compliance on
secara berkala dan melakukan monitoring a regular basis to monitor debtors in obtaining
terhadap debitur dalam perolehan sertifikasi certification according to related business fields.
sesuai bidang usaha terkait. Pemenuhan Fulfillment of the Social Governance Environment
Lingkungan, Sosial dan Tata Kelola kepada for each debtor is still in the nature of counseling
setiap debitur masih bersifat penyuluhan not coercion with the hope that in the future
bukan paksaan dengan harapan kedepannya it will become an obligation for every debtor
menjadi suatu kewajiban bagi setiap debitur that can be included in the covenant. The Bank
yang dapat dimasukkan dalam covenant. Bank will continuously make efforts so that each
secara berkesinambungan akan melakukan debtor becomes a debtor who is aware of the
upaya agar setiap debitur menjadi debitur yang Environmental Social Governance to support the
sadar Lingkungan, Sosial dan Tata Kelola untuk implementation of sustainable development.
berkelanjutan.
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3. Bank secara konsisten akan melakukan 3. The Bank will consistently carry out informative
komunikasi yang informatif dengan communication by socializing the implementation
mensosialisasikan penerapan Lingkungan, Sosial, of Environmental Social Governance in debtor/
dan Tata Kelola dalam pembiayaan debitur/ customer financing as an effort to strengthen risk
nasabah sebagai upaya penguatan kemampuan management capabilities, especially related to
manajemen risiko, khususnya terkait lingkungan the environment, aiming to increase the portfolio,
hidup bertujuan untuk meningkatkan portofolio, both quantity and quality of environmentally
baik kuantitas maupun kualitas pembiayaan friendly financing in the sustainable agriculture
ramah lingkungan hidup pada sektor pertanian sector, renewable energy, energy efficiency,
berkelanjutan, energi terbarukan, efisiensi sustainable fisheries, sustainable forestry,
energi, perikanan berkelanjutan, kehutanan ecotourism, green buildings, green infrastructure,
berkelanjutan, ekowisata, gedung hijau, and recycling industries.
infrastruktur hijau, dan industri daur ulang.
4. Bank selaku Emiten Utama akan melakukan 4. The Bank as the Main Issuer will communicate
komunikasi Rencana Aksi Keuangan the Sustainable Finance Action Plan to all
Berkelanjutan kepada seluruh jenjang organisasi organizational levels at the Financial Services
yang ada pada Lembaga Jasa Keuangan dalam Institutions within the Sinar Mas group with the
grup Sinar Mas dengan tujuan agar kebijakan dan/ aim that policies and/or strategies and ensure
atau strategi serta memastikan rencana aksi oleh that the action plans by all parties involved are
semua pihak yang terlibat sejalan dan saling in line and mutually support each other in their
mendukung dalam penerapannya. implementation.
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Prinsip-prinsip Penerapan Principles of Application of Risk

Manajemen Risiko Management
Penerapan Manajemen Risiko Bank secara prinsip Principally, the implementation of Bank Risk
mengacu pada pilar-pilar dan ketentuan yang Management referred to the pillars and provisions set out
tercantum dalam peraturan otoritas. Peningkatan in the regulations defined by the regulatory authorities.
kualitas penerapan manajemen risiko sejalan dengan The improvement in quality of risk management in
perkembangan penerapan kerangka Basel yang line with the extension of Basel framework application
disesuaikan dengan tujuan, kebijakan usaha, ukuran adapted to the Bank’s objectives, policies, size and
dan kompleksitas usaha, profil risiko, kemampuan complexity of its businesses, capabilities, and the
Bank dan sound bank best practices. industry’s best practices.
Bank menghadapi risiko yang melekat (inheren) di The Bank faced inherent risks throughout its business
seluruh kegiatan bisnis dan operasional perbankan. and banking operations. The risk management
Pengelolaan risiko Bank dilakukan terhadap 8 focused on 8 (eight) types of risks, which are Credit
(delapan) jenis risiko yaitu Risiko Kredit, Pasar, Risk, Market, Liquidity, Operations, Compliance, Law,
Likuiditas, Operasional, Kepatuhan, Hukum, Reputasi, Reputation and Strategic. In addition, 2 (two) types of
& Stratejik. Selain itu, terdapat 2 (dua) jenis risiko risks assessed in the Sharia Business Unit of Sinarmas
tambahan yang dinilai pada Unit Usaha Syariah Bank Bank, which are Investment Risk and Return Risk.
Sinarmas yaitu Risiko Investasi dan Risiko Imbal Hasil. Prudent management of risks applied in compliance
Pengelolaan terhadap risiko tersebut dilaksanakan with the regulatory provisions.
dengan memperhatikan prinsip kehati-hatian sesuai
dengan ketentuan regulator.
Bank juga melaksanakan prinsip transparansi atas Additionally, the Bank implemented the principle
pengelolaan risiko melalui laporan publikasi yang of transparency carried out through publications in
disampaikan kepada regulator dan publik melalui branch offices, websites, mass media, and other social
informasi di kantor-kantor cabang, website, media media as well as reports submitted to regulators and
massa, maupun media sosial lainnya. the public
Penerapan manajemen risiko dilakukan secara The risk management is a continuous process to
berkesinambungan untuk mencapai pertumbuhan achieve business growth and sustainable healthy
bisnis maupun aktivitas operasional yang sehat business operations, maintaining optimal returns
dan berkelanjutan serta menjaga agar dapat coherent with the risk appetite and tolerance.
menghasilkan return yang optimal sesuai dengan risk
appetite dan risk tolerance yang telah ditetapkan.
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Fokus Manajemen Risiko 2021 Risk Management Focus 2021

Bank telah melaksanakan beberapa strategi dalam The Bank has implemented several strategies in
mengendalikan risiko tersebut, antara lain Bank controlling these risks which includes restructuring
mengantisipasi Risiko Kredit dengan melakukan to anticipate Credit Risk for borrowers whose
restrukturisasi COVID-19 untuk debitur yang usahanya businesses were affected by COVID-19, referring to
terkena dampak COVID-19 dengan mengacu pada POJK 48/ POJK.03/2020 and POJK No.11/POJK.03/2020
POJK 48/POJK.03/2020 dan POJK No. 11/POJK.03/2020 regarding National Economic Stimulus as a Counter-
tentang Stimulus Perekonomian Nasional Sebagai cyclical Policy against the impact of the COVID-2019
Kebijakan Countercyclical dampak penyebaran spread. The Bank applied the principle of prudence
COVID-19. Bank selalu menerapkan prinsip kehati- and selectiveness in lending, provision of credit
hatian dan selektif dalam pemberian kredit, dengan with priority given to sectors and borrowers having
menyalurkan kredit ke sektor-sektor tertentu yang sufficient business prospects despite the effect of
masih memiliki prospek dan kepada debitur yang COVID-19.
terdampak COVID-19 yang masih memiliki prospek
usaha.
Bank mengambil langkah antisipatif meminimalisasi The Bank took anticipatory steps to minimize the
penyebaran virus di lingkungan kantor dengan spread of the virus in the office environment by
melakukan split operation unit critical, work carrying out split operation of critical units, work from
from home, pembentukan Tim Gugus COVID-19, home, the formation of the COVID-19 Cluster Team,
melakukan sosialisasi protokol kesehatan dan socializing health protocols and other preventive
tindakan pencegahan lainnya. Meskipun aktivitas measures. Although the Bank’s operational activities
operasional Bank terdampak secara keseluruhan baik are affected as a whole both at the branch and head
di cabang maupun kantor pusat, sampai akhir tahun office, until the end of 2021 all operational activities
2021 seluruh aktivitas operasional dapat terkendali can be controlled and run well.
dan berjalan dengan baik.
Bank juga telah melaksanakan Stress Testing dalam The Bank has also carried out Stress Testing in order
rangka menguji ketahanan aktivitas bisnis dan to test the resilience of Bank Sinarmas’ business
permodalan Bank Sinarmas ditahun 2021. Stress activities and capital in 2021. Stress Testing uses a
Testing menggunakan skenario yang telah ditetapkan scenario that has been determined internally and/
internal dan/atau mengikuti arahan regulator (jika or follows the direction of the regulator (if any) for
ada) untuk masing-masing risiko kredit, risiko pasar each credit risk, market risk and liquidity to test the
dan likuiditas guna menguji ketahanan aktivitas bisnis resilience of Bank Sinarmas’ business activities and
dan permodalan Bank Sinarmas akibat dampak dari capital due to the impact of the COVID-19 pandemic.
Pandemi COVID-19.
Bank mengimplementasikan sistem treasury (OSTS) The Bank implements a treasury system (OSTS)
yang terintegrasi dengan manajemen risiko pasar which is integrated with market risk and liquidity
dan risiko likuiditas untuk mendukung pelaksanaan risk management to support the identification,
proses identifikasi, pengukuran, pemantauan, dan measurement, monitoring, and risk control processes.
pengendalian risiko. Secara bertahap Bank melakukan The Bank is gradually improving the risk management
peningkatan dalam pengelolaan risiko yang ada pada in the Sharia Business Unit and preparing the
Unit Usaha Syariah dan mempersiapkan infrastruktur infrastructure for the spin off of the Sharia Business
dalam rangka spin off Unit Usaha Syariah Bank Unit of Bank Sinarmas to become a Sharia Commercial
Sinarmas menjadi Bank Umum Syariah. Bank.
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Sehubungan dengan dikeluarkannya POJK No. 12/ In connection with the issuance of POJK No.12/
POJK.03/2021 pada Juli 2021 tentang Bank Umum POJK.03/2021 in July 2021 regarding Commercial
dimana berdasarkan modal inti yang dimiliki Banks where based on the core capital owned by the
Bank, maka Bank dapat dikelompokkan menjadi Bank, the Bank can be grouped into KBMI 2 thus the
KBMI 2. Dengan demikian, Bank telah melakukan Bank has calculated and submitted a report for the
perhitungan dan menyampaikan pelaporan untuk liquidity ratio, namely the Liquidity Coverage Ratio (
rasio likuiditas yaitu Liquidity Coverage Ratio (LCR), LCR), Net Stable Funding Ratio (NSFR) and calculation
Net Stable Funding Ratio (NSFR) dan perhitungan of Interest Rate Risk In Banking Book (IRRBB) since
Interest Rate Risk In Banking Book (IRRBB) sejak the enactment of the POJK.
diberlakukannya POJK tersebut.
Penerapan manajemen risiko suku bunga pada The application of interest rate risk management in
banking book (IRRBB) menggunakan pendekatan the banking book (IRRBB) uses a standard approach
standar untuk mengidentifikasi, mengukur, dan to identify, measure, and monitor and control interest
memantau serta mengendalikan pergerakan suku rate movements that can cause changes in the present
bunga yang dapat menyebabkan perubahan pada value and timing of future cash flows that affect the
nilai kini dan penetapan waktu arus kas pada masa economic value of assets, liabilities and administrative
mendatang yang mempengaruhi nilai ekonomis dari account transactions and cause changes in net
asset, liabilitas dan transaksi rekening administratif interest income. Interest rate risk in the Banking Book
serta menyebabkan perubahan pada pendapatan (IRRBB) is measured based on the impact of changes
bunga bersih. Risiko suku bunga dalam Banking in interest rates on changes in the economic value of
Book (IRRBB) diukur berdasarkan dampak perubahan equity (EVE) and changes in net interest income (NII).
suku bunga terhadap perubahan nilai ekonomis dari Interest rate risk management is complemented by
ekuitas dan perubahan pada pendapatan bunga periodic sensitivity analysis to measure the impact of
bersih. Pengelolaan risiko suku bunga dilengkapi significant interest rate changes.
dengan analisa sensitivitas secara periodik untuk
mengukur dampak dari perubahan suku bunga yang
signifikan.
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Struktur Organisasi Manajemen Risk Management Organizational

Risiko Structure
Bank Sinarmas telah memiliki struktur organisasi As described below, Sinarmas Bank has an
yang memadai untuk mendukung penerapan adequate organizational structure to support the
manajemen risiko dengan rincian organisasi yang implementation of risk management:
diuraikan di bawah ini.
1. Satuan Kerja Manajemen Risiko (Risk 1. Risk Management Group

Management Group)
Risk Management Group (RMG) merupakan fungsi Risk Management Group (RMG) is responsible
pengelolaan penerapan manajemen risiko pada for the development and implementation of risk
aktivitas operasional Bank. management throughout the Bank’s business and
operational activities.
RMG saat ini berada di bawah Direktorat Kepatuhan RMG is currently under the Directorate of
& Manajemen Risiko dimana memiliki 4 (empat) Compliance &Risk Management which consist of 4
Divisi: (four) Divisions:
1. Credit Risk Management Division; 1. Credit Risk Management Division;
2. IT&Operational Risk Management Division; 2. Operational &IT Risk Management Division;
3. Operational Risk Regulatory Reporting 3. Operational Risk Regulatory Reporting
Methodology Division dan Methodology Division
4. Market, Liquidity & Enterprise Risk Management 4. Market, Liquidity &Enterprise Risk Management
Division. Division.
Wewenang dan Tanggung Jawab Roles and Responsibilities

a. Memberikan masukan kepada Direksi dalam a. Provide feedback to the Board of Directors for
penyusunan kebijakan, strategi dan kerangka the formulation of policies, strategies and risk
manajemen risiko; management frameworks;
b. Mengembangkan prosedur dan alat untuk b. Develop procedures and tools for the
identifikasi, pengukuran, pemantauan, dan identification, measurement, monitoring and
pengendalian risiko; control of risks;
c. Mendesain dan menerapkan perangkat yang c. Design the tools to support risk management
dibutuhkan dalam penerapan manajemen implementation;
risiko;
d. Memantau implementasi kebijakan, strategi, d. Monitor the implementation of policies,
dan kerangka manajemen risiko yang strategies and risk management frameworks
direkomendasikan oleh Komite; recommended by the Committee;
e. Memantau implementasi kebijakan, strategi, e. Monitor the implementation of policies,
dan kerangka manajemen risiko yang strategies and risk management frameworks
direkomendasikan oleh Komite Manajemen which recommended by the Risk Management
Risiko dan yang telah disetujui oleh Direksi; Committee and approved by the Board of
Directors;
f. Memantau posisi/eksposur risiko secara f. Monitor risk positions/exposures both as a whole
keseluruhan, maupun per risiko termasuk and per risk including monitoring its compliance
pemantauan kepatuhan terhadap toleransi with risk tolerances and limits that have been
risiko dan limit yang ditetapkan; determined;
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g. Melakukan stress testing guna mengetahui g. Perform stress testing to identify the impact
dampak dari implementasi kebijakan dan of the implementation of policies and risk
strategi manajemen risiko terhadap portofolio management strategies towards the Bank’s
atau kinerja Bank secara keseluruhan; overall portfolio or performance;
h. Memberikan rekomendasi kepada satuan kerja h. Provide recommendations to business division
bisnis dan/atau kepada Komite Manajemen and/or to the Risk Management Committee
Risiko terkait penerapan manajemen risiko related to the implementation of risk
antara lain mengenai besaran atau maksimum management, which includes the extent of or
eksposur risiko yang dapat dipelihara Bank; maximum risk exposure that can be tolerate by
the Bank;
i. Mengevaluasi akurasi dan validitas data yang i. Evaluate the accuracy and validity of data used
digunakan oleh Bank untuk mengukur risiko by internal control system established by the
bagi Bank yang menggunakan model untuk Bank to measure risk
keperluan intern;
j. Menyusun dan menyampaikan laporan j. Prepare and submit risk profile reports to the
profil risiko kepada Direktur Utama, Direktur President Director, Risk Management Director
Manajemen Risiko, Komite Manajemen Risiko and Risk Management Committee periodically
dan Komite Pemantau Risiko secara berkala or minimum on a quarterly basis. The frequency
atau paling kurang secara triwulanan. Frekuensi of report should be increased following the rapid
laporan harus ditingkatkan apabila kondisi pasar changes in the market;
berubah dengan cepat;
k. Melaksanakan kaji ulang secara berkala dengan k. Carry out periodic reviews on a frequency
frekuensi yang disesuaikan kebutuhan Bank, adjusted to the Bank’s needs, ensuring:
untuk memastikan:
- Kecukupan kerangka Manajemen Risiko; - The adequacy of Risk Management
framework;
- Keakuratan metodologi penilaian risiko; dan - The accuracy of Risk assessment methodology;
and
- Kecukupan sistem informasi Manajemen - The adequacy of Risk Management
Risiko. Information System.
2. Komite Manajemen Risiko 2. Risk Management Committee

Komite Manajemen Risiko merupakan fungsi The Risk Management Committee is responsible
pelaksanaan manajemen risiko pada level Direksi for the implementation of risk management at the
dan pejabat eksekutif untuk mengarahkan dan Board of Directors and executive officers level and
menyetujui penyusunan strategi, kebijakan, to direct and approve the formulation of strategies,
prosedur, limit dan metodologi risiko. policies, procedures, limits and risk methodologies.

Komite Manajemen Risiko memiliki wewenang The Risk Management Committee is authorized and
dan bertanggung jawab melakukan evaluasi dan responsible for conducting evaluation and provide
memberikan rekomendasi kepada Direktur Utama recommendations for the President Director
terkait manajemen risiko meliputi: regarding risk management, which includes:
a. Penyusunan kebijakan Manajemen Risiko serta a. Formulation and amendment of Risk
perubahannya, termasuk strategi Manajemen Management policies , including strategies,
Risiko, tingkat Risiko yang diambil dan toleransi levels of risk taking and Risk tolerance, Risk
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Risiko, kerangka Manajemen Risiko serta rencana Management framework and contingency plans
kontinjensi untuk mengantisipasi terjadinya to anticipate unusual events;
kondisi tidak normal;
b. Penyempurnaan proses Manajemen Risiko b. Improvement of the Risk Management process
secara berkala maupun bersifat insidentil periodically or incidentally as a result of a change
sebagai akibat dari suatu perubahan kondisi in the Bank’s external and internal conditions
eksternal dan internal Bank yang mempengaruhi that affect the capital adequacy, the Bank’s
kecukupan permodalan, profil Risiko Bank, dan Risk profile, and the ineffectiveness of Risk
tidak efektifnya penerapan Manajemen Risiko Management implementation based on the
berdasarkan hasil evaluasi; evaluation results;
c. Penetapan kebijakan dan/atau keputusan bisnis c. Determination of policies and/or business
yang menyimpang dari prosedur normal, seperti decisions that deviate from normal procedures,
pelampauan ekspansi usaha yang signifikan such as significant excessive business expansion
dibandingkan dengan rencana bisnis Bank yang compared to the Bank’s predetermined business
telah ditetapkan sebelumnya atau pengambilan plan or risk taking/exposures which exceeded
posisi/eksposur Risiko yang melampaui limit the predetermined limits.
yang telah ditetapkan.
d. Menjalankan fungsi yang lain seperti yang d. Carry out other functions as directed by the
diarahkan oleh Presiden Direktur dan/atau President Director and/or the Risk Monitoring
Komite Pemantau Risiko. Committee.
3. Komite Pemantau Risiko 3. Risk Monitoring Committee

Komite Pemantau Risiko merupakan fungsi Risk Monitoring Committee is responsible for
pengawasan manajemen risiko pada level the supervision of risk management at the
Komisaris dan Pihak Independen. Commissioner and independent party level.

a. Evaluasi tentang kesesuaian antara kebijakan a. Evaluation of conformity between risk
manajemen risiko dengan pelaksanaan management policies and the implementation
kebijakan Bank; of Bank policies;
b. Pemantauan dan evaluasi pelaksanaan tugas b. Monitor and evaluate the performance of the
komite manajemen risiko dan satuan kerja risk management committee and the risk
manajemen risiko (Risk Management Group), management division (Risk Management
guna memberikan rekomendasi kepada Dewan Group), in order to provide recommendations to
Komisaris. the Board of Commissioners
4. Unit Risk Taking 4. Risk Taking Unit

Unit bisnis merupakan risk taking unit. Business Unit is Risk Taking Unit.

Risk taking unit bertanggung jawab atas masing- Risk Taking Unit is responsible for each risk inherent
masing risiko pada aktivitas bisnis. to the business activities.
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5. Internal Control 5. Internal Control

Sistem Pengendalian Internal Bank didukung oleh The Bank’s Internal Control System is supported
fungsi pengawasan dari Satuan Kerja Audit Internal by the supervision from the Internal Audit and
serta pengawasan dari Satuan Kerja Kepatuhan. Compliance division.

Berdasarkan POJK No. 1/POJK.03/2019 tentang Based on POJK No. 1/POJK.03/2019 concerning the
Penerapan Fungsi Audit Intern Pada Bank Umum, Implementation of the Internal Audit Function at
SKAI mempunyai wewenang paling sedikit: Commercial Banks, SKAI has the authority to at
least:
a. Mengakses seluruh informasi yang relevan a. Access all relevant information about the Bank
tentang Bank terkait dengan tugas dan fungsi related to the duties and functions of SKAI;
SKAI;
b. Melakukan komunikasi secara langsung dengan b. Communicating directly with the Board of
Direksi, Dewan Komisaris, dan Komite Audit, Directors, the Board of Commissioners, and
serta Dewan Pengawas Syariah bagi bank the Audit Committee, as well as the Sharia
umum syariah dan bank umum konvensional Supervisory Board for Islamic commercial banks
yang memiliki unit usaha syariah; and conventional commercial banks that have
sharia business units;
c. Menyelenggarakan rapat secara berkala dan c. Holding regular and incidental meetings with
insidentil dengan Direksi, Dewan Komisaris, dan the Board of Directors, Board of Commissioners,
Komite Audit, serta Dewan Pengawas Syariah and the Audit Committee, as well as the Sharia
bagi bank umum syariah dan bank umum Supervisory Board for Islamic commercial banks
konvensional yang memiliki unit usaha syariah; and conventional commercial banks that have
sharia business units;
d. Melakukan koordinasi kegiatan dengan auditor d. Coordinating activities with external auditors; and
ekstern; dan
e. Mengikuti rapat yang bersifat strategis. e. Attend strategic meetings.
Tugas pokok SKAI paling sedikit : The main duties of SKAI are at least:
a. Membantu tugas direktur utama dan Dewan a. Assist the main director and the Board of
Komisaris dalam melakukan pengawasan dengan Commissioners in carrying out supervision
cara menjabarkan secara operasional baik by explaining operationally the planning,
perencanaan, pelaksanaan, maupun pemantauan implementation, and monitoring of audit results;
hasil audit;
b. Membuat analisis dan penilaian di bidang b. Make analysis and assessment in the fields of
keuangan, akuntansi, operasional, dan kegiatan finance, accounting, operations, and other activities
lain melalui audit; through audits;
c. Mengidentifikasi segala kemungkinan untuk c. Identify all possibilities to improve and increase the
memperbaiki dan meningkatkan efisiensi efficiency of the use of resources and funds; and
penggunaan sumber daya dan dana; dan
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d. Memberikan saran perbaikan dan informasi yang d. Provide improvement suggestions and objective
objektif tentang kegiatan yang diperiksa pada information about the activities examined at all
semua tingkatan manajemen. levels of management.
Di samping itu, berdasarkan POJK No. 46/POJK.03/2017 In addition, based on POJK No. 46/POJK.03/2017
tentang Pelaksanaan Fungsi Kepatuhan Bank Umum, concerning the Implementation of the Compliance
tugas dan tanggung jawab satuan kerja kepatuhan Function of Commercial Banks, the duties and
wajib paling sedikit: responsibilities of the compliance work unit must at
least:
a. Membuat langkah untuk mendukung terciptanya a. Take steps to support the creation of a Compliance
Budaya Kepatuhan pada seluruh kegiatan usaha Culture in all Bank business activities at every level
Bank pada setiap jenjang organisasi; of the organization;
b. Melakukan identifikasi, pengukuran, pemantauan, b. Identify, measure, monitor, and control Compliance
dan pengendalian terhadap Risiko Kepatuhan Risk with reference to the provisions of the
dengan mengacu pada ketentuan Otoritas Jasa Financial Services Authority which regulates the
Keuangan yang mengatur mengenai penerapan implementation of risk management for
manajemen risiko bagi bank umum dan ketentuan commercial banks and the provisions of the
Otoritas Jasa Keuangan yang mengatur mengenai Financial Services Authority which regulates the
penerapan manajemen risiko bagi bank umum implementation of risk management for Islamic
syariah dan unit usaha syariah; commercial banks and sharia business units;
c. Menilai dan mengevaluasi efektivitas, kecukupan, c. Assess and evaluate the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem and conformity of policies, provisions, systems and
maupun prosedur yang dimiliki oleh Bank dengan procedures owned by the Bank with the provisions
ketentuan peraturan perundang-undangan; of laws and regulations;
d. Melakukan kaji ulang dan/atau merekomendasikan d. Reviewing and/or recommending updating and
pengkinian dan penyempurnaan kebijakan, improving the policies, provisions, systems and
ketentuan, sistem maupun prosedur yang dimiliki procedures of the Bank in order to comply with
oleh Bank agar ketemtuan peraturan perundang- laws and regulations, including Sharia Principles
undangan, termasuk Prinsip Syariah bagi bank for Islamic commercial banks and sharia business
umum syariah dan unit usaha syariah; units;
e. Melakukan upaya untuk memastikan bahwa e. Make efforts to ensure that the policies, provisions,
kebijakan, ketentuan, sistem dan prosedur, systems and procedures, as well as the Bank’s
serta kehiatan usaha Bank telah sesuai dengan business activities are in accordance with the
ketentuan Otoritas Jasa Keuangan dan ketentuan provisions of the Financial Services Authority and
peraturan perundang-undangan; dan the provisions of laws and regulations; and
f. Melakukan tugas lain yang terkait dengan Fungsi f. Perform other duties related to the Compliance
Kepatuhan. Function.
Sebagai entitas utama dari konglomerasi Sinar Mas, Sebagai entitas utama dari konglomerasi Sinar Mas,
Bank Sinarmas telah menerapkan Managemen Risiko Bank Sinarmas telah menerapkan Managemen Risiko
terintegrasi dengan struktur sebagai berikut : terintegrasi dengan struktur sebagai berikut :
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STRUKTUR ORGANISASI MANAJEMEN RISIKO TERINTEGRASI BANK SINARMAS

Struktur Organisasi Manajemen Risiko Terintegrasi Bank Sinarmas
1. Satuan Kerja Manajemen Risiko Terintegrasi 1. Integrated Risk Management

Merupakan Satuan Kerja Manajemen Risiko Terin- An Integrated Risk Management Unit in the Main
tegrasi pada Entitas Utama Entity

a. Memberikan masukan kepada Direksi Entitas a. Provide feedback to the Board of Directors of the
Utama antara lain dalam penyusunan kebijakan holding company, including the formulation of
Manajemen Risiko Terintegrasi; Integrated Risk Management policies;
b. Memantau pelaksanaan kebijakan Manajemen b. Monitor the implementation of Integrated
Risiko Terintegrasi termasuk mengembangkan Risk Management policies including the
prosedur dan alat untuk identifikasi, pengukuran, development of procedures and tools for
pemantauan, dan pengendalian Risiko; identification, measurement, monitoring and
control of risks;
c. Melakukan pemantauan Risiko pada c. Monitoring the Risk in the Financial
Konglomerasi Keuangan berdasarkan hasil Conglomeration based on the appraisal results
penilaian: of:
- Profil Risiko setiap LJK dalam Konglomerasi - Risk profile of each Financial Service Institution
Keuangan; within the group;
- Tingkat Risiko masing-masing Risiko secara - The level of each Risk profile integratedly.
terintegrasi;
- profil Risiko secara terintegrasi. - Integrated risk profile
d. Melakukan stress testing; d. Perform stress testing;
e. Melaksanakan kaji ulang secara berkala untuk e. Carry out periodic reviews to ensure:
memastikan:
- Keakuratan metodologi penilaian Risiko; - The accuracy of the Risk assessment
methodology;
- Kecukupan implementasi sistem informasi - The Adequacy of management information
manajemen; system implementation;
- Ketepatan kebijakan, prosedur dan penetapan - The accuracy of policies, procedures and
limit risiko secara terintegrasi. determination of Risk limits integratedly.
f. Mengkaji usulan lini bisnis baru yang bersifat f. Analyze new strategic business line proposal
strategis dan berpengaruh signifikan terhadap that has significant effect on the Financial
eksposur Risiko Konglomerasi Keuangan; Conglomeration’s risk exposure;
g. Memberikan informasi kepada Komite g. Provide information to the Integrated Risk
Manajemen Risiko Terintegrasi terhadap hal- Management Committee concerning subjects
hal yang perlu ditindaklanjuti terkait hasil to be follow up on the results of the evaluation of
evaluasi terhadap penerapan Manajemen Risiko Integrated Risk Management implementation;
Terintegrasi;
h. Memberikan masukan kepada Komite h. Provide feedback to the Integrated Risk
Manajemen Risiko Terintegrasi, dalam rangka Management Committee for the formulation
penyusunan dan penyempurnaan kebijakan and improvement of the Integrated Risk
Manajemen Risiko Terintegrasi; Management policies;
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i. Menyusun dan menyampaikan laporan profil i. Periodically, develop and submit integrated Risk
Risiko terintegrasi secara berkala kepada profile reports to the Director of the Holding
Direktur dari Entitas Utama yang membawahi company in charge and to the Integrated Risk
fungsi Manajemen Risiko Terintegrasi dan Management Committee.
kepada Komite Manajemen Risiko Terintegrasi.
2. Satuan Kerja Manajemen Risiko Lembaga Jasa 2. Financial Services Institution Risk Management
Keuangan (LJK) Unit
Merupakan Risk Management yang terdapat Risk Management within the integrated Financial
dalam Lembaga Jasa Keuangan yang tergabung Services Institution which incorporated in Sinarmas
pada Konglomerasi Keuangan Bank Sinarmas. Bank Financial Conglomeration.

a. Mengidentifikasi risiko termasuk risiko yang a. Identify risks including risks inherent in the
melekat pada kegiatan usaha LJKNB (Lembaga business activities of NBFIs (Non-Bank Financial
Jasa Keuangan Non Bank); Services Institutions);
b. Menyusun metode pengukuran risiko; b. Develop risk measurement methods;
c. Memantau pelaksanaan strategi manajemen c. Monitor the implementation of the Risk
Risiko yang telah disusun oleh Direksi; management strategy that has been prepared
by the Board of Directors;
d. Memantau posisi risiko secara keseluruhan, per d. Monitoring the overall risk position, per type of
jenis risiko, dan per jenis aktivitas fungsional, serta risk, and per type of functional activity, as well as
melakukan pengujian dengan menggunakan conducting tests using scenarios/assumptions of
skenario/asumsi kondisi tidak normal dan abnormal conditions and testing using historical
pengujian dengan menggunakan data historis; data;
e. Mengkaji ulang secara berkala terhadap proses e. Periodically reviewing the Risk Management
Manajemen Risiko; process;
f. Mengkaji usulan pengembangan atau perluasan f. Reviewing the proposed development or
kegiatan usaha; expansion of business activities;
g. Mengevaluasi terhadap akurasi model dan g. Evaluating the accuracy of the model and the
validitas data yang digunakan untuk mengukur validity of the data used to measure risk, for
risiko, bagi LJKNB yang menggunakan model NBFIs that use the model for internal purposes;
untuk keperluan internal;
h. Memberikan rekomendasi kepada fungsi h. Provide recommendations to business and
bisnis dan operasional dan/atau kepada komite operational functions and/or to the Risk
Manajemen Risiko, sesuai kewenangan yang Management committee, in accordance with
dimiliki; dan their authority; and
i. Menyusun dan menyampaikan laporan profil i. Prepare and submit risk profile reports
risiko kepada direktur utama atau yang setara, to the president director or equivalent, or
atau anggota Direksi yang membawahkan members of the Board of Directors in charge
fungsi manajemen risiko dan komite Manajemen of the risk management function and the Risk
Risiko secara berkala. Management committee on a regular basis.
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3. Komite Manajemen Risiko Terintegrasi 3. Integrated Risk Management Committee

Terdiri dari Direktur Entitas Utama, Direktur LJK Consist of the Holding Company Director and
yang membawahi Fungsi Manajemen Risiko serta financial service institution Director in charge for
Pejabat Eksekutif dari LJK Konglomerasi Keuangan risk management and executive officer from the
Sinar Mas. Financial Conglomeration of Sinar Mas.

Memberikan rekomendasi kepada Direksi Entitas Provide the following recommendation to the
Utama berupa: board of directors of holding company:
a. Penyusunan kebijakan Manajemen Risiko a. Formulation of integrated risk management
Terintegrasi; dan policy; and
b. Perbaikan atau penyempurnaan kebijakan b. Revision or improvement on the integrated risk
Manajemen Risiko Terintegrasi berdasarkan hasil management policy based on performance
evaluasi pelaksanaan. evaluation result.
Sepanjang tahun 2021, Komite Manajemen Risiko Throughout 2021, the Integrated Risk Management
Terintegrasi telah merealisasikan sejumlah tugas dan Committee has performed a number of tasks and
tanggung jawab, antara lain: responsibilities, including:
1. Memantau penyempurnaan/revisi Kebijakan 1. Monitor the improvement/revision of the Integrated
Manajemen Risiko Terintegrasi. Risk Management Policy.
2. Memastikan penerapan Manajemen Risiko pada 2. Ensuring that the application of Risk Management
masing-masing LJK dalam Konglomerasi Keuangan at each LJK in the Financial Conglomerate has been
telah memadai dalam mengelola 10 jenis Risiko adequate in managing 10 types of Risk (Credit risk,
(Risiko Kredit, Risiko Pasar, Risiko Likuiditas,Risiko Market risk, Liquidity risk, Operational risk, Legal
Operasional, Risiko Hukum, Risiko Reputasi, Risiko risk, Reputation risk, Strategic risk, Compliance risk,
Stratejik, Risiko Kepatuhan, Risiko Transaksi Intra- Intra-transaction risk). group and insurance risk)
grup dan Risiko Asuransi) dan Laporan Kewajiban and Integrated Minimum Capital Adequacy Report.
Penyediaan Modal Minimum Terintegrasi.
3. Memantau strategi yang dilakukan Lembaga 3. Monitor the strategies implemented by Financial
Jasa Keuangan dalam menghadapi dampak dari Services Institutions in dealing with the impact of
pandemi COVID-19. the COVID-19 Pandemic.
4. Melakukan harmonisasi/penyesuaian parameter & 4. Harmonization/adjustment of parameters
rentang risiko atas Laporan Profil Risiko Terintegrasi & risk ranges of the Financial Conglomerate
Konglomerasi Keuangan dengan Laporan Tingkat Integrated Risk Profile Report with the Report on
Kesehatan Lembaga Jasa Keuangan Non Bank. the Soundness of Non-Bank Financial Services
Institutions.
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Profil Ketua Komite Manajemen Profile of the Head of the Integrated

Risiko Terintegrasi Risk Management Committee
Direktur Kepatuhan dan Manajemen Risiko saat The current Director of Compliance and Risk
ini adalah Bapak Hanafi Himawan. Beliau diangkat Management is Mr. Hanafi Himawan. He was
sebagai Direktur Kepatuhan PT. Bank Sinarmas appointed as Compliance Director of PT. Bank
Tbk. pada tanggal 23 Maret 2018 berdasarkan Surat Sinarmas Tbk. on March 23, 2018 based on the Decree
Keputusan Anggota Dewan Komisioner Otoritas of the Member of the Board of Commissioners of the
Jasa Keuangan dengan Nomor KEP-47/D.09/2018 Financial Services Authority Number KEP-47/D.09/2018
tanggal 23 Maret 2018 juga ditunjuk sebagai menjadi dated March 23, 2018 was also appointed as Director in
Direktur yang membawahkan fungsi Manajemen charge of the Integrated Risk Management function
Risiko Terintegrasi untuk melaksanakan penerapan to implement Integrated Risk Management.
Manajemen Risiko Terintegrasi.
Hanafi Himawan
Compliance Director
Warga Negara
Indonesia Indonesian
Citizenship
Usia
61 tahun 61 years old
Age
Domisili
Jakarta
Domicile
Dasar Pengangkatan Menjabat sebagai Direktur Kepatuhan sejak 23 Served as Compliance Director since March 23,
Basis of Appointment Maret 2018 sampai dengan saat ini. 2018 until now.
Riwayat Pendidikan S1 Ekonomi dari Universitas Trisakti tahun 1986. Bachelor of Economics from Trisakti University
Educational Background in 1986.
Riwayat Pekerjaan Bapak Hanafi Himawan juga memimpin Risk Mr. Hanafi Himawan also leads the Risk
Work Experience Management Group (Satuan Kerja Manajemen Management Group, Legal, Anti-Fraud,
Risiko), Legal, Anti-Fraud, Corporate Credit Corporate Credit Analyst, Credit Management
Analyst, Credit Management Group dan Loan Group and Loan Recovery.
Recovery.
Bapak Hanafi Himawan merupakan lulusan Mr. Hanafi Himawan is a banking Management
Management Trainee perbankan, dan Trainee graduate, and has more than 30 years
berpengalaman di industri perbankan, of experience in the banking, securities and
sekuritas serta asset management lebih dari asset management industries.
30 tahun.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan Has no affiliated relations with members of the
Affiliated Relations anggota Dewan Komisaris, Direksi dan Board of Commissioners, Board of Directors,
Pemegang Saham Pengendali. and Controlling Shareholders
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Amandalia Johanes
Group Head Risk Management
Warga Negara
Indonesia Indonesian
Citizenship
Usia
54 tahun 54 years old
Age
Domisili
Jakarta Jakarta
Domicile
Menjabat sebagai Group Head Risk Appointed as Head of Risk Management Group
Management sejak bergabung di Bank Head based on Decree Number 1683/2020/
Dasar Pengangkatan
Sinarmas tanggal 05 Oktober 2020 berdasarkan PRESDIR-HCRS on September 16, 2020.
Basis of Appointment
Surat Keputusan Nomor 1683/2020/PRESDIR-
HCRS pada tanggal 16 September 2020.
• Sarjana Akuntansi, Universitas Tarumanagara, • Degree in Accounting from Tarumanagara

Lulus tahun 1991 University, Graduated in 1991
• Magister Manajemen, Institute Technology • Master of Management, Kalbe Institute
Riwayat Pendidikan and Business Kalbis, Jakarta (sebelumnya of Technology and Business, Jakarta
Educational Background STIE Supra), jurusan Manajemen Keuangan, (previously STIE Supra), majoring in Finan-
Manajemen Pemasaran dan Manajemen cial Management, Marketing Management
Sumber Daya Manusia, Wisudawan Terbaik, and Human Resource Management, Best
Lulus dengan Pujian, tahun 2005). Graduate, Graduated with Praise, 2005).
• Risk Management Group Head, PT. Bank Sinarmas Tbk. (5 Oktober 2020-sekarang | October 5, 2020
- present)
• Risk Management, Compliance and AML-CFT Divison Head, PT Bank Index Selindo (19 Februari-4
October 2020 | February 19 - October 4 2020)
Insurance Industry (1 Februari 2019–18 Februari 2020 | February 1, 2019 - February 18, 2020)
• Group Head of Risk Management, PT Bank CTBC Indonesia (4 Agustus 2014–11 Januari 2019 |
Riwayat Pekerjaan August 4, 2014 - January 11, 2019)
Work Experience • Market and Balance Sheet Risk Management Head, PT Bank UOB Indonesia (merger antara PT
Bank UOB Buana dan
• UOB Indonesia, 19 Juli 2010–25 Juli 2014 | merger of PT Bank UOB Buana and UOB Indonesia
July 19 2010 - July 25, 2014)
• Head of Risk Management and Country Manager, PT Bank UOB Indonesia (March 2007–19 July
2010)
• Head of Risk Management, Head of Credit Reviuer PT Bank BCA Syariah (sebelumnya PT Bank
UIB, Juni 2000– Februari 2007 | previously PT Bank UIB, June 2000 - February 2007)
Tidak memiliki hubungan afiliasi dengan Has no affiliated relations with members of the
Hubungan Afiliasi
anggota Dewan Komisaris, Direksi dan Board of Commissioners, Board of Directors,
Affiliated Relations
Pemegang Saham Pengendali. and Controlling Shareholders
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Pengawasan Aktif Dewan Komisaris, The Implementation of Risk

Direksi, dan Dewan Pengawas Management is actively supervised
Syariah atas Penerapan Manajemen by The Board of Commissioners
Risiko and the Board of Directors and
Supervisory Board of Sharia
Dewan Komisaris dan Direksi Bank Sinarmas With a good comprehension of risks faced by the
memahami risiko-risiko yang dihadapi Bank Bank, the Board of Commissioners and Directors
dan memberikan arahan yang jelas, melakukan of Sinarmas Bank provides clear directions, carry
pengawasan dan mitigasi secara aktif. Dewan out active supervision and mitigation. The Board of
Komisaris menjalankan fungsi pengawasan risiko Commissioners carried out risk oversight through
(risk oversight) melalui Komite Pemantau Risiko. the Risk Monitoring Committee. The Board of
Direksi menjalankan fungsi kebijakan risiko (risk Directors implemented risk policy through Executive
policy) melalui Executive Committee seperti Committees such as the Risk Management
Risk Management Committee, Asset & Liability Committee, Asset & Liability Committee, Credit
Committee, Credit Committee, Information Committee, Information Technology Committee and
Technology Committee dan Human Capital Human Capital Committee.
Committee.
Untuk Unit Usaha Syariah, Bank memiliki Dewan The Sharia Business Division has a Supervisory Board
Pengawas Syariah yang bertugas melakukan supervisi in charge of supervising the activities of the Sharia
atas aktivitas Unit Usaha Syariah. Anggota Dewan Business Divison. Members of the Sharia Supervisory
Pengawas Syariah bertindak sebagai penasihat dan Board act as advisors and consultants to the Board
konsultan bagi Direksi dan Unit Usaha Syariah dalam of Directors and the Sharia Business Division for all
segala hal yang menyangkut aktivitas perbankan subject matters related to Sharia banking activities.
Syariah.
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PERAN DEWAN KOMISARIS DAN DIREKSI DALAM MANAJEMEN RISIKO

The Role of the Board of Commissioners and Directors in Risk Management
Bentuk Pengawasan Aktif Dewan Komisaris

Tugas dan Tanggung Jawab Direksi
No. Active Supervision Function of the Board of
Role and Responsibility of the Board of Directors
Commissioners
1. Menyetujui kebijakan Manajemen Risiko termasuk strategi Menyusun kebijakan dan strategi Manajemen Risiko
dan kerangka Manajemen Risiko yang ditetapkan sesuai secara tertulis dan komprehensif.
dengan tingkat Risiko yang akan diambil (risk appetite) To develop a comprehensive and written Risk
dan toleransi Risiko (risk tolerance) Bank. Management policy and strategy.
To approve the Risk Management policy including the
strategy and framework that is determined in accordance
with the Risk appetite and Risk tolerance of the Bank.
2. Mengevaluasi kebijakan Manajemen Risiko dan strategi Bertanggung jawab atas pelaksanaan kebijakan
Manajemen Risiko paling sedikit 1 (satu) kali dalam 1 (satu) Manajemen Risiko dan eksposur Risiko yang diambil
tahun atau dalam frekuensi yang lebih sering dalam hal oleh Bank secara keseluruhan.
terdapat perubahan faktor yang mempengaruhi kegiatan Responsible for the implementation of Risk Management
usaha Bank secara signifikan. policies and the Bank’s Risk exposure as a whole.
To evaluate Risk Management policies and Risk
Management strategies at a minimum once per year or
more frequent following changes in factor significantly
affecting the Bank's business activities.
3. Mengevaluasi pertanggungjawaban Direksi dan Mengevaluasi dan memutuskan transaksi yang

memberikan arahan perbaikan atas pelaksanaan kebijakan memerlukan persetujuan Direksi.
Manajemen Risiko secara berkala. Evaluasi dilakukan dalam To make evaluation and decision on transaction which
rangka memastikan bahwa Direksi mengelola aktivitas requires The board of directors’ approval.
dan Risiko Bank secara efektif.
Periodically evaluate the accountability of the Board of
Directors and provide direction for improvement on the
implementation of Risk Management policies. Evaluation
carried out in order to ensure the effectiveness of the
management of activities and risks.
4. Memastikan kebijakan dan proses manajemen Risiko Mengembangkan budaya Manajemen Risiko pada
dilaksanakan secara efektif dan terintegrasi dalam proses seluruh jenjang organisasi.
manajemen risiko secara keseluruhan. Develop Risk Management culture at all levels of the
To ensure the policy and risk management process organization.
implemented effectively and wholly integrated.
5. - Memastikan peningkatan kompetensi sumber daya

manusia yang terkait dengan Manajemen Risiko.
To ensure the improvement of human resources
competency related to Risk Management.
6. - Memastikan bahwa fungsi Manajemen Risiko telah

beroperasi secara independen.
To ensure the Risk Management operated independently.
7. - Melaksanakan kaji ulang secara berkala untuk

memastikan:
1. Keakuratan metodologi penilaian Risiko;
2. Kecukupan implementasi sistem informasi
Manajemen Risiko; dan
3. Ketepatan kebijakan dan prosedur Manajemen Risiko
serta penetapan limit Risiko.
To carry out periodic review ensuring:
1. the accuracy of Risk assessment methodology;
2. The adequacy of the implementation of Risk
Management information system; and
3. The appropriateness of Risk Management policies and
procedures as well as Risk limits determination.
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Budaya Manajemen Risiko Risk Management Culture

Penerapan Budaya Manajemen Risiko The Risk Management Culture implemented
dilakukan secara berkesinambungan termasuk continually including the development of risk
mengembangkan kesadaran risiko pada seluruh awareness at all levels of the organization, which
jenjang organisasi, antara lain meliputi: includes the following:
• Pemberian materi risk management sebagai salah • The provision of risk management educational
satu kurikulum dalam pelatihan/pendidikan bagi material as one of the curriculum in the training
karyawan. program for employees.
• Bank Sinarmas juga telah menyertakan • Bank Sinarmas enrolled its employees in the
karyawannya dalam Program Sertifikasi Manajemen Risk Management Certification Program as
Risiko serta program refreshment sesuai dengan well refreshment program in accordance with
sertifikasi minimum yang diwajibkan. Diharapkan the minimum requirement of certification. This
dengan adanya program sertifikasi tersebut, seluruh certification programs expected to provide every
karyawan memiliki pemahaman dan kesadaran employee with a better comprehension and
risiko yang semakin baik. awareness of risks.
• Melaksanakan training/pelatihan terkait dengan • Conducting training related to the potential risk
pengelolaan aktivitas yang memiliki potensi management and mitigating these risks, such as
risiko serta mitigasi risiko tersebut antara lain CKPN training, training to prepare LCR, NSFR, and
seperti training/pelatihan CKPN, training terkait IRRBB ratios.
penyusunan rasio LCR, NSFR, IRRBB.
• Melakukan sosialisasi terkait risiko operasional • Improvement on risk awareness of employees
termasuk di dalamnya implementasi Risk Control at branch offices and divisions through the
Self-Assessment (RCSA), Loss Event Database (LED) socialization of operational risk including the
dan dalam rangka meningkatkan risk awareness implementation of Risk Control Self-Assessment
kepada karyawan pada kantor cabang dan divisi. (RCSA), Loss Event Database (LED).
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Kecukupan Kebijakan, Prosedur, dan Limit Adquacy of Policies,

Penetapan Limit Procedures, and Limit Settings
Penerapan Manajemen Risiko di Bank Sinarmas Bank Sinarmas implemented a well-structured
didukung dengan penetapan kerangka yang Risk Management framework which covers Risk
mencakup kebijakan dan prosedur Manajemen Management policies and procedures as well as risk
Risiko serta limit risiko secara jelas dan sejalan dengan limits that are clearly defined in line with the vision,
visi, misi, dan strategi Bisnis Bank serta ketentuan mission and business strategy of the Bank as well as
regulator yang berlaku. Bank telah melakukan applicable regulatory requirement. Determination of
penetapan limit risiko sesuai dengan kompleksitas risk limits has been developed in accordance with the
bisnis Bank dan melakukan monitoring terhadap complexity of the Bank’s business and subject to a
limit secara periodik. periodic monitoring system.
Bank Sinarmas telah memiliki kebijakan dan prosedur Bank Sinarmas has a Policy which guideline the
untuk area bisnis yang lebih spesifik, misalnya implementation of risk management. The Bank has
di bidang perkreditan, treasury, dan operasional. a more specific policies and procedures for specific
Kebijakan dan prosedur tersebut mengatur business areas, such as in the credit, treasury, and
penetapan limit untuk masing-masing aktivitas, baik operations area. The policies and procedures stipulate
pada level portofolio maupun transaksional. Seluruh namely the determination of limits for each activity,
kebijakan dan prosedur di Bank Sinarmas merupakan both at the portfolio and transactional levels. The
bentuk pengelolaan risiko yang melekat pada setiap entire policies and procedures implemented to
aktivitas operasional Bank Sinarmas yang dievaluasi manage the risk inherent in every operational activity
dan dimutakhirkan (update) secara berkala. of Bank Sinarmas and subject to periodic evaluation
and updates.
Bank Sinarmas juga telah menetapkan Risk Appetite As a guidance for managing risk limits permissible
& Risk Tolerance sebagai panduan dalam mengelola in the operation of its business, Bank Sinarmas has
limit risiko yang dapat diterima oleh Bank dalam determined Risk Appetite & Risk Tolerance. On a yearly
pelaksanaan aktivitas bisnis. Risk appetite & risk basis, the risk appetite and risk tolerance periodically
tolerance dikaji ulang secara berkala setiap tahun reviewed to be adaptable on facing the future risks
sehingga dapat menyesuaikan dengan risiko dan and business complexities.
kompleksitas bisnis yang akan dihadapi ke depannya.
Guna memastikan kecukupan kebijakan dan Prior to the issuance, each policy and procedure will
prosedur dalam mengidentifikasi risiko serta be assessed by an independent internal division (Risk
memastikan kepatuhan kebijakan Bank terhadap Management, Internal Audit & Compliance) ensuring
ketentuan regulator, maka setiap kebijakan yang akan an adequate risk identification performed and
diterbitkan selalu mendapat kajian terlebih dahulu complied with regulatory requirements.
dari satuan kerja independen (Risk Management,
Internal Audit & Compliance).
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Proses Manajemen Risiko dan Sistem Risk Management and Risk

Informasi Manajemen Risiko Management Information System
Penerapan manajemen risiko Bank fokus terhadap The implementation of risk management focused on
4 (empat) risiko utama yaitu Risiko Kredit, Risiko 4 (four) main risks, which are Credit Risk, Operational
Operasional, Risiko Pasar & Risiko Likuiditas, dengan Risk, Market Risk and Liquidity Risk, with attention
tetap memperhatikan risiko-risiko lainnya yaitu Risiko to Legal Risk, Reputation Risk, Strategic Risk and
Hukum, Risiko Reputasi, Risiko Stratejik dan Risiko Compliance Risk. The implementation of risk
Kepatuhan. Penerapan manajemen risiko tersebut management is carried out through identification
antara lain dengan menjalankan Proses Identifikasi, process, Measurement, Monitoring, Control and
Pengukuran, Pemantauan, Pengendalian Risiko, dan Information System.
Sistem Informasi Manajemen Risiko.
Proses Identifikasi Risiko Risk Identification Process

Bank melakukan identifikasi risiko dengan Banks identify risk by analyzing reviews and sources
menganalisis seluruh sumber risiko yang diperkirakan of risk inherent to the Bank’s products and activities,
muncul dari produk dan aktivitas Bank, serta ensuring a proper risk management process has
memastikan bahwa risiko dari produk dan aktivitas been implemented prior to the introduction and
baru telah melalui proses manajemen risiko yang layak implementation of new product or activity. The
sebelum diperkenalkan atau dijalankan. Pelaksanaan process of identifying risk is carried out through
proses identifikasi risiko antara lain dilakukan melalui studies, reviews and recommendations submitted
kajian, telaah serta rekomendasi yang disampaikan to business division and other related division.
kepada unit bisnis maupun unit kerja terkait lainnya. Additionally, management information system and
Pelaksanaan proses identifikasi risiko didukung an accurate and informative reports on financial
oleh sistem informasi manajemen dan laporan yang conditions, performance of business activities and
akurat dan informatif mengenai kondisi keuangan, bank’s risk exposures are also play an important role
kinerja aktivitas fungsional dan eksposur risiko Bank. in the process of risk identification.
Pengukuran Risiko Risk Measurement

Secara berkelanjutan Bank telah mengembangkan Bank has continuously developed risk measurement
alat ukur risiko seperti untuk risiko kredit berupa tools namely for credit risks such as scoring system in
perhitungan scoring dalam analisa pemberian kredit, credit approval analysis, credit portfolio analysis, credit
analisa portofolio kredit, stress testing risiko kredit; risk stress testing and; for market risks such as Value
untuk risiko pasar seperti Value at Risk (VaR), stress at Risk (VaR), market risk stress testing; for operational
testing risiko pasar; untuk risiko operasional seperti risks such as Risk Control Self-Assessment (RCSA), Loss
Risk Control Self-Assessment (RCSA), Loss Event Event Database (LED), and Key Risk Indicators (KRI).
Database (LED), dan Key Risk Indicator (KRI) yang Periodically, the risk measurement tool is reviewed to
digunakan sebagai pendukung untuk membuat maintain the reliability and validity of the model and
keputusan bisnis. Secara periodik, alat ukur risiko compliance with regulatory requirements.
tersebut dikaji ulang untuk menjaga keandalan
dan validitas model serta memenuhi persyaratan
regulator.
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Pemantauan Risiko Risk Monitoring

Bank melakukan pemantauan risiko secara berkala The Bank carries out risk monitoring on a regular
dengan cara turut serta dalam pemantauan proses basis by participating in monitoring the process of
pelaksanaan aktivitas bisnis & operasional, pemberian business & operational activities, assessments and
kajian-kajian serta rekomendasi yang disampaikan recommendations submitted to both management
baik kepada manajemen maupun kepada unit and business division, reports prepared by the internal
kerja, laporan-laporan yang disusun oleh internal Risk Management Group and risk exposure reports
Risk Management Group maupun melalui laporan submitted by business divisions and other supporting
eksposur risiko yang disampaikan oleh unit bisnis & unit division. The types of reports prepared for the Board
support lainnya secara berkala. Adapun jenis laporan of Directors and/or Commissioners and business
yang disampaikan yaitu berupa hasil pemantauan divisions includes the risk exposure monitoring result
eksposur risiko beserta dengan rekomendasi dan along with recommendations and action plans.
action plan yang disampaikan kepada Direksi dan/
atau Komisaris beserta unit kerja.
Pengendalian Risiko Risk Control

Seluruh unit kerja Bank Sinarmas melakukan All work units of Bank Sinarmas carry out risk exposure
pengendalian eksposur risiko untuk meminimalisasi/ control to minimize/mitigate potential risks that may
memitigasi potensi risiko yang dapat terjadi. occur. Risk control carried out namely through the
Pengendalian risiko antara lain dilakukan melalui implementation of Four eyes principle which requires
pelaksanaan pengawasan dual control berupa two individuals to approve some action before it can
four eyes principle untuk seluruh aktivitas bisnis be taken. The Four eyes principle sometimes called
dan operasional Bank Sinarmas. Beberapa bentuk the two-man rule or the two-person rule. Bank.
pengendalian internal lainnya antara lain melalui internal control includes, among others, through the
pelaksanaan restrukturisasi kredit, pembentukan implementation of credit restructuring, the formation
CKPN kredit serta write off untuk kredit yang of CKPN credit and write-offs for non-performing
bermasalah. Selain itu, Bank juga melakukan loans. In addition, the Bank also managed to maintain
pengelolaan untuk menjaga aset dan liabilities yang its assets and liabilities in order to mitigate potential
dimiliki sehingga dapat memitigasi potensi risiko liquidity risk.
likuiditas.
Sistem Informasi Manajemen Risiko Risk Management Information System

Bank memandang bahwa Sistem informasi The Bank views risk management information system
manajemen risiko merupakan hal penting untuk important to support the implementation of risk
mendukung pelaksanaan proses identifikasi, identification process, measurement, monitoring
pengukuran, pemantauan, dan pengendalian risiko. and control. The Bank’s information systems include
Sistem informasi yang dimiliki Bank, antara lain Enterprise Data Management assistance programs
program bantu Enterprise Data Management untuk that accommodate data needs for monitoring credit
mengakomodasi kebutuhan data seperti monitoring portfolios and third-party funds, credit scoring
portofolio kredit dan dana pihak ketiga, program assistance programs. This program supports the
bantu scoring kredit dalam rangka menganalisis process of analyzing the feasibility of extending credit
kelayakan dalam pemberian kredit kepada debitur, to borrowers, assisting programs for the application
serta pengembangan aplikasi Risk Control Self- of Risk Control Self-Assessment (RCSA), and Loss
Assessment (RCSA) dan Loss Event Database (LED) Event Database (LED), and identifying the Bank’s
untuk menunjang pelaksanaan evaluasi risiko operational risks.
operasional Bank.
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Bank juga telah mengimplementasikan Sistem The Bank has also implemented a Treasury System
Treasury (OSTS) yang terintegrasi dengan manajemen (OSTS) integrated with risk management. The
risiko. Tujuannya adalah untuk mendukung objective to support the implementation of the
pelaksanaan proses identifikasi, pengukuran, process of identification, measurement, monitoring,
pemantauan dan pengendalian risiko pada aktivitas and risk control in treasury activities.
treasury.
Saat ini Bank juga sedang mengembangkan Currently, the Bank is also developing several systems
beberapa sistem untuk mengakomodasi perhitungan to accommodate the calculation of several ratios,
beberapa rasio antara lain seperti LCR, NSFR dan such as LCR, NSFR and IRRBB as well as developing
IRRBB serta pengembangan sistem terkait pelaporan systems related to the integrated risk profile reporting
profil risiko terintegrasi konglomerasi keuangan. of financial conglomerates.
Seluruh sistem informasi manajemen risiko yang The risk management information systems owned by
dimiliki oleh Bank menghasilkan laporan atau the Bank produce reports or information regarding
informasi mengenai eksposur risiko, kepatuhan risk exposures, compliance with risk management
pelaksanaan manajemen risiko terhadap kebijakan implementation of policies and procedures as well
dan prosedur yang disusun serta kepatuhan terhadap as compliance with limit setting. As part of the risk
penetapan limit. Bentuk laporan yang sudah management information system, the forms of the
disampaikan sebagai bagian dari sistem informasi report submitted periodically to the Board of Directors
manajemen risiko, antara lain, laporan profil risiko and the Risk Management Committee include,
Bank yang disampaikan secara berkala kepada namely the Bank’s risk profile reports, credit portfolio
Direksi dan Komite Manajemen Risiko, Laporan reports, Risk Appetite & Risk Tolerance Monitoring
Portofolio kredit, Laporan Monitoring Risk Appetite & Reports, and RCSA & LED Reports.
Risk Tolerance serta Laporan RCSA & LED.
Bank telah menerapkan konsep 3 (tiga) Baris The Bank has implemented the concept of 3 (three)
Pertahanan (three lines of defenses), membagi lines of defense, dividing the functions within the
fungsi-fungsi di dalam organisasi yang terlibat di organization involved in risk management into
dalam manajemen risiko menjadi tiga kelompok, three groups, namely risk owner, risk overseer, and
yaitu Pemilik risiko (risk owner), pengawas risiko (risk independent assurance provider. In addition, the
overseer), dan penyedia pemastian independen. Di organization can also involve external parties as an
samping itu, organisasi dapat pula melibatkan pihak additional layer.
eksternal sebagai lapis tambahan.
1. Lapis pertama adalah pemilik risiko yang 1. The first layer the owner of the risk who is
bertanggung jawab mengelola risiko, dan responsible for managing risk, and implementing
menerapkan pengendalian internal pada risiko internal controls in daily work, as well as taking
yang melekat dalam pekerjaan sehari-hari, serta corrective actions in overcoming weaknesses in
melakukan tindakan korektif dalam mengatasi processes and controls.
kelemahan pada proses dan pengendalian.
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2. Lapis kedua adalah fungsi atau unit organisasi 2. The second layer a function or organizational unit
yang memberikan rekomendasi kepada lapis that helps build, monitor the first layer of control,
pertama dalam implementasi kebijakan risiko and ensure that the first layer carries out its
yang telah ditetapkan, memantau pengendalian responsibilities adequately. This function carried
lapis pertama, dan memastikan lapis pertama out by the risk management group, the compliance
melakukan tanggung jawabnya dengan memadai. group, and quality assurance.
Fungsi ini dilakukan oleh satuan kerja manajemen
risiko, satuan kerja kepatuhan, dan penjaminan
mutu.
3. Lapis ketiga adalah audit internal yang memastikan 3. The third layer the internal audit, which
secara independen pelaksanaan dari lapis pertama independently ensures the implementation of
dan Lapis kedua terhadap tata kelola, manajemen the first and second layers of governance, risk
risiko, dan pengendalian internal. management and internal control.
4. Untuk lapis tambahan dilakukan oleh auditor 4. Additional layers carried out by external auditors
eksternal dan regulator yang memberikan and regulators who provide additional information
tambahan informasi penerapan manajemen risiko on the implementation of bank risk management
bank kepada para pemangku kepentingan. to stakeholders.
Proses Manajemen Risiko dan Sistem Risk Management Process and Risk
Informasi Manajemen Risiko Management Information System
Penyempurnaan penerapan manajemen risiko juga Improvements in the application of risk management
melalui 2 (dua) pendekatan yaitu pengelolaan risiko are also carried out through 2 (two) approaches,
melalui permodalan dan pengelolaan risiko melalui namely risk management through capital and risk
aktivitas operasional sehingga diharapkan tercapai management through operational activities so that
pengelolaan risiko yang melekat dalam pengelolaan it is hoped that the risk management inherent in
bisnis. business management will be achieved.
1. Pengelolaan Risiko melalui Permodalan & Likuiditas 1. Risk Management through Bank Capital & Liquidity
Bank memastikan kecukupan modal untuk The Bank ensured sufficient capital to manage
mengelola (cover) risiko kredit, risiko pasar dan risiko (cover) credit risk, market risk and operational
operasional, baik berdasarkan ketentuan regulator risk, both based on regulatory provisions (OJK
(OJK dan Basel) maupun kebutuhan internal Bank. and Basel) as well as the Bank’s internal needs.
Untuk risiko kredit Bank menggunakan pendekatan For credit risk, the Bank uses the standardized
standar (Standardized Approach) sesuai dengan approach in accordance with the applicable OJK
ketentuan OJK yang berlaku. Untuk perhitungan regulations. For the calculation of Market Risk, the
Risiko Pasar Bank juga masih menggunakan Bank uses the standard method. For Operational
metode standar. Untuk Risiko Operasional Bank Risk, the Bank currently uses the Basic Indicator
saat ini menggunakan pendekatan Indikator Approach. However, in accordance with the draft
Dasar (Basic Indicator Approach). Namun regulatory provisions regarding the calculation
demikian, sesuai dengan rancangan ketentuan of Bank operational risk, for 2020 the calculation
regulator mengenai perhitungan risiko operasional of operational risk will use the Standardized
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Bank maka untuk tahun 2021 perhitungan Approach method. In relation to Basel III, the Bank
risiko operasional akan menggunakan metode increased capital adequacy both in quality and
Standardized Approach. Terkait dengan Basel III, quantity in accordance with OJK regulations. Basel
Bank meningkatkan kecukupan permodalan baik III implementation at Bank Sinarmas performed
secara kualitas maupun kuantitas sesuai dengan in stages, namely in the form of strengthening
ketentuan OJK. Implementasi Basel III pada Bank capital, such as by calculating the Leverage Ratio,
Sinarmas telah diterapkan secara bertahap antara strengthening liquidity through simulations of
lain berupa penguatan modal seperti melalui compiling the Net Stable Funding Ratio and
perhitungan Leverage Ratio, penguatan likuiditas Liquidity Coverage Ratio (LCR).
melalui perhitungan rasio Net Stable Funding
Ratio (NSFR) dan Liquidity Coverage Ratio (LCR).
2. Pengelolaan Risiko melalui Aktivitas Operasional 2. Risk Management through the Operational
Activities
Pengelolaan risiko melalui aktivitas operasional Risk management through the operational
ditujukan untuk mengelola Risiko Kredit, Risiko activities aimed at managing credit risk, market
Pasar dan Risiko Likuiditas serta Risiko Operasional risk and liquidity risk as well as operational risk at
pada level yang dapat diterima. Bank menerapkan an acceptable level. The Bank applied risk appetite
risk appetite dan risk tolerance dalam bentuk and risk tolerance in the form of a limit policy.
kebijakan limit. Penetapan limit didasarkan atas Limits set based on overall limits, limits per type of
limit secara keseluruhan, limit per jenis risiko risk as well as limits per certain functional activity
maupun limit per aktivitas fungsional tertentu with inherent risk exposure. Specifically, credit
yang memiliki eksposur risiko. Secara spesifik, risk management is carried out through the front
untuk pengelolaan risiko kredit dilakukan melalui end, middle end and back end. The management
front end, middle end dan back end. Untuk of market and liquidity risks carried out through
pengelolaan Risiko Pasar dan Likuiditas dilakukan the establishment of limits. Operational risk
melalui penetapan limit-limit. Untuk pengelolaan management carried out by all division throughout
risiko operasional dilakukan oleh seluruh unit its products and activities and reviewed by the
kerja terhadap produk & aktivitas yang dilakukan Risk Management and Internal Audit for the
serta reviu oleh Risk Management dan dipastikan implementation effectiveness (assurance).
keefektifan pelaksanaannya (assurance) oleh
Internal Audit.
Hasil Tinjauan atas Efektivitas Review Results on the

Penerapan Manajemen Risiko Effectiveness of Risk Management
Implementation
Bank senantiasa melakukan reviu atas penerapan In compliance with the applicable law and regulation,
manajemen risiko secara berkala. Selain untuk the Bank periodically reviewed the risk management
menyesuaikan dengan peraturan perundang- implementation responding to the inherent
undangan yang ada, hal itu juga dilakukan sebagai dynamicity of the Bank’s business activities.
respon atas dinamika yang terkait dengan bisnis
Bank.
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Pelaksanaan proses reviu antara lain dilaksanakan Comprehensively, the review process carried out
secara menyeluruh baik untuk proses identifikasi, for risk identification, measurement, monitoring
pengukuran, pemantauan dan pengendalian risiko. and controlling. In addition, the development of risk
Selain itu, sistem informasi manajemen risiko juga management information system is important to
merupakan hal penting yang dikembangkan dalam support the implementation of risk management
rangka mendukung proses penerapan manajemen process. Namely, the implementation of Treasury
risiko. Salah satunya dengan adanya implementasi System (OSTS) integrated with risk management.
Sistem Treasury (OSTS) yang terintegrasi dengan The objective is to support the implementation of risk
manajemen risiko. Tujuannya adalah untuk identification, measurement, monitoring, and control
mendukung pelaksanaan proses identifikasi, processes in treasury activities.
pengukuran, pemantauan dan pengendalian risiko
pada aktivitas treasury.
Pengungkapan Eksposur Capital and Risk Exposure

Permodalan dan Risiko Disclosure
Permodalan Capital
1. Penjelasan Kualitatif 1. Qualitative Explanation
Bank Sinarmas telah menjaga soliditas struktur Bank Sinarmas has maintained a solid capital
permodalan yang berasal dari modal inti (Tier I). structure originating from core capital (Tier I). In
Pada tahun 2021, seluruh kebutuhan permodalan 2021, all of Bank Sinarmas’ capital needs can be
Bank Sinarmas dapat terpenuhi dari pertumbuhan met from organic capital growth supported by the
modal secara organik dengan didukung oleh Bank’s healthy financial performance.
kinerja keuangan Bank yang sehat.
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2. Struktur Permodalan 2. Capital Structure

Sesuai dengan ketentuan Otoritas Jasa Keuangan In accordance with the provisions of the Financial
(OJK), struktur permodalan Bank Sinarmas terdiri Services Authority (OJK), Bank Sinarmas’ capital
dari Modal Inti (Tier 1) dan Modal Pelengkap (Tier 2). structure consists of Core Capital (Tier 1) and
Supplementary Capital (Tier 2)
• Modal Inti (Tier 1) • Core Capital (Tier 1)
Modal Inti (Tier 1) terdiri dari Modal Inti Utama Core Capital (Tier 1) consists of Main Core Capital
(Common Equity Tier – CET 1) dan Modal (Common Equity Tier - CET 1) and Additional
Inti Tambahan (Additional Tier 1). Modal inti Core Capital (Additional Tier 1). The main core
utama mencakup modal disetor, cadangan capital includes paid-in capital, additional capital
tambahan modal (disclosure reserve) dan reserves (disclosure reserve) and deduction
faktor pengurang modal inti utama. Cadangan factors for the main core capital. Additional
tambahan modal terdiri atas faktor penambah capital reserves consist of addition factors (other
(pendapatan komprehensif lainnya dan comprehensive income and other additional
cadangan tambahan modal lainnya) dan faktor capital reserves) and deduction factors (other
pengurang (pendapatan komprehensif lainnya comprehensive income and other additional
dan cadangan tambahan modal lainnya). capital reserves).
• Modal Pelengkap (Tier 2) • Supplementary Capital (Tier 2)
Modal Pelengkap (Tier 2) meliputi Cadangan Supplementary Capital (Tier 2) includes
umum PPA atas aset produktif yang wajib compulsory general PPA reserves for productive
dibentuk (paling tinggi 1,25% ATMR Risiko Kredit). assets (maximum 1.25% Credit Risk RWA).
3. Kecukupan Permodalan 3. Capital Adequacy

Bank Sinarmas telah melakukan pengelolaan Bank Sinarmas carried out capital management in
modal sesuai dengan regulasi Bank Indonesia accordance with Bank Indonesia and OJK (Basel II
dan OJK (Basel II dan Basel III) dalam rangka and Basel III) regulations, ensuring sufficient capital
memastikan bahwa Bank dapat menjaga to cover the main risks in banking activities, namely
kecukupan modalnya untuk meng-cover risiko- Credit Risk, Market Risk and Operational Risk, while
risiko utama pada kegiatan perbankan yaitu Risiko keep providing returns to stakeholders.
Kredit, Risiko Pasar dan Risiko Operasional, dengan
tetap memberikan return bagi stakeholder.
Untuk perhitungan kecukupan modal dengan Bank Sinarmas applied the Basel II Standardized
memperhitungkan Risiko Kredit dan Risiko Pasar, Approach for the calculation of capital adequacy
Bank Sinarmas menggunakan Pendekatan taking into account credit risk and market risk.
Standar Basel II (Standardized Approach). Untuk Meanwhile, pertaining to the operational risk
risiko operasional, Bank Sinarmas mengacu Bank Sinarmas refers to the Basel II Basic Indicator
kepada Pendekatan Indikator Dasar Basel II (Basic Approach.
Indicator Approach).
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BANK 2021
Bank Sinarmas memiliki tingkat permodalan Bank Sinarmas has an adequate level of capital
yang memadai dengan rasio kecukupan modal with a Capital Adequacy Ratio (CAR) of 29.12%. This
(Capital Adequacy Ratio – CAR) sebesar 29,12%. level goes beyond the minimum requirements of
Posisi tersebut di atas persyaratan minimum the risk profile set by the regulator, adequately
sesuai profil risiko yang ditetapkan oleh regulator, supporting the Bank’s business plan in parallel with
sehingga memadai untuk mendukung rencana anticipative efforts towards the entire risks faced.
bisnis Bank yang diimbangi dengan upaya dalam
mengantisipasi seluruh risiko yang dihadapi.
Selain perhitungan tersebut, Bank Sinarmas Additionally, capital adequacy is calculated with
juga memperhitungkan kecukupan permodalan reference to Pillar 2 Basel II well known as the
dengan mengacu kepada Pilar 2 Basel II atau yang Internal Capital Adequacy Assessment Process
lebih dikenal dengan pendekatan Internal Capital (ICAAP) approach. In accordance with the ranking
Adequacy Asessment Process (ICAAP). Sesuai of the Bank’s risk profile of 2 (Low to Moderate) the
dengan peringkat profil risiko Bank, di mana Bank Bank’s ICAAP calculation is 10.10%.
berada pada peringkat 2 (Low to Moderate), maka
perhitungan ICAAP Bank adalah 10,10%.
Sebagaimana yang disyaratkan oleh regulator, As regulatory requirements, Bank Sinarmas

Bank Sinarmas wajib membentuk tambahan obliged to provide additional capital as a buffer
modal sebagai penyangga (buffer) selain besides the provision of minimum capital in
menyediakan modal minimum sesuai profil risiko. line with the risk profile. In compliance with the
Tambahan modal sesuai ketentuan regulator regulatory provisions, Bank Sinarmas provided
yang dibentuk Bank Sinarmas adalah berupa additional capital as Countercyclical Buffer and
Countercyclical Buffer dan Capital Conservation Capital Conservation Buffer. In accordance with
Buffer. Sesuai dengan regulasi terkait pemenuhan regulations related to the fulfillment of the buffer,
buffer tersebut, maka persentase Buffer yang the percentage of Buffer that must be met by Bank
wajib dipenuhi oleh Bank Sinarmas yaitu berupa Sinarmas is Countercyclical Buffer 0% and Capital
Countercyclical Buffer sebesar 0% dan Capital Conservation Buffer 2.5%.
Conservation Buffer sebesar 2,5%.
Risiko Kredit Credit Risk

Risiko kredit adalah risiko yang timbul akibat Credit risk arise from failure of the borrower/
kegagalan debitur/pihak lawan (counterparty) serta counterparty and other parties to fulfill their
pihak lainnya dalam memenuhi kewajibannya obligations in due course. These obligations may arise
ketika jatuh tempo. Berbagai kewajiban ini dapat from various funds raising activities, such as credit,
timbul dari beragam aktivitas fungsional penyediaan treasury, investment and trade finance.
dana, seperti perkreditan, treasury, investasi dan
pembiayaan perdagangan (trade finance).
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2021 BANK
Proses pengelolaan kredit Bank Sinarmas diawali The process of managing Bank Sinarmas’ credit
dengan menentukan target pasar dan dilanjutkan begins with determining the target market, followed
dengan melakukan risk assessment & monitoring by conducting a risk assessment & monitoring of
atas pemberian kredit. Dalam menyalurkan kreditnya, credit disbursement. In channeling of credit, Bank
Bank Sinarmas senantiasa mengedepankan prinsip Sinarmas always prioritizes the principle of prudence
kehati-hatian dalam penyaluran kredit, dimana in lending, where all credit management activities will
seluruh aktivitas pengelolaan kredit akan dianalisis be analyzed by a separate credit analyst unit from the
oleh unit credit analyst yang terpisah dengan business unit and involves an independent credit risk
unit bisnis serta melibatkan unit risiko kredit yang unit specifically for loans with certain criteria. In terms
independent khusus untuk kredit dengan kriteria of early monitoring of debtors who have the potential
tertentu. Dalam hal pemantauan secara dini kepada to default, the Bank has an Early Warning unit so
debitur yang berpotensi default, Bank memiliki that it can anticipate and have preventive measures
unit Early Warning sehingga dapat mengantisipasi if the debtor experiences a decrease in quality or an
dan memiliki langkah preventif apabila debitur increase in credit risk. Bank Sinarmas always adheres
mengalami penurunan kualitas atau peningkatan to the Bank Sinarmas Credit Policy and the provisions
Risiko Kredit. Bank Sinarmas senantiasa berpedoman set by the regulator in managing credit risk in an end-
pada Kebijakan Perkreditan Bank Sinarmas serta to-end manner.
ketentuan yang ditetapkan oleh regulator dalam
mengelola risiko kredit secara end-to-end.
Penerapan Manajemen Risiko Kredit Implementation of Credit Risk Management

a. Struktur Organisasi Manajemen Risiko Kredit a. Credit Risk Management Organization Structure
Satuan Kerja Manajemen Risiko (Risk Management The Risk Management Group (Risk Management
Group) dalam menjalankan fungsi serta wewenang Group) in carrying out its functions and authorities
dan tanggung jawabnya independen dan tidak and responsibilities is independent and does not
melakukan aktivitas yang terkait dengan bisnis carry out activities related to the Bank’s business.
Bank. Organisasi manajemen risiko kredit Bank The credit risk management organization of Bank
Sinarmas menerapkan sistem four eyes principle Sinarmas implements the four eyes principle system
sebagai salah satu pengendalian Risiko Kredit pada as one of the credit risk controls in the lending
proses pemberian kredit pada segmen Corporate, process in the Corporate, Commercial Business
Commercial Business Management, MSME dan Management, MSME and Card & Consumer Loan
Card & Consumer Loan. segments.
b. Strategi Manajemen Risiko Kredit b. Credit Risk Management Strategy

• Bank menetapkan kebijakan, prosedur, • The Bank established credit policies, procedures,
penetapan limit, risk appetite, dan risk tolerance limit setting, risk appetite, and risk tolerance
serta pemantauan dan evaluasi secara berkala as well as regular monitoring and evaluation,
untuk memastikan potensi risiko yang melekat ensuring potential risks inherent in the provision
dalam pemberian kredit dapat dimitigasi of credit can be consistently mitigated through
secara konsisten melalui penerapan The Four- the application of The Four-Eyes Principle.
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BANK 2021
Eyes Principle. Secara independen, Satuan Independently, the Risk Management Group
Kerja Manajemen Risiko (RMG) melakukan (RMG) conducted risk mitigation assessment
penilaian mitigasi risiko dan memberikan and made recommendations toward credit
rekomendasi terhadap eksposur dan limit kredit exposure and limit as well as the high degree
serta tingginya tingkat risiko yang melekat of risks inherent in the products and activities
pada produk dan aktivitas yang terkait dengan related to lending.
perkreditan.
• Bank juga melakukan assessment dan • The Bank also conducts assessment and
monitoring dengan memperhatikan konsep monitoring by taking into account the concept
one obligor, pemantauan konsentrasi kredit of one obligor, monitoring credit concentration
atas penyediaan dana kepada pihak terkait, on the provision of funds to related parties,
pihak tidak terkait serta penyediaan dana unrelated parties as well as providing large
besar dengan melakukan analisis secara funds by conducting a comprehensive analysis
komprehensif dan pemberian risk assessment and providing risk assessment from the Risk
dari Risk Management Group serta Compliance Management Group and the Compliance
Group sebagai Unit Independen, serta dalam Group as an Independent Unit, and in its
pelaksanaannya Bank memastikan portofolio implementation, the Bank ensures that the
penyediaan dana kepada pihak terkait dan portfolio of provision of funds to related parties
kepada pihak tidak terkait telah memenuhi and to non-related parties has complied with
ketentuan Batas Maksimum Pemberian Kredit the provisions of the Maximum Lending Limit
(BMPK) sesuai dengan ketentuan regulator. (BMPK) in accordance with regulatory provisions.
• Pemantauan terhadap perkembangan portofolio • Intensive monitoring of the development of
kredit Bank dilakukan secara intensif sehingga the Bank’s credit portfolio, allowing for timely
memungkinkan Bank untuk melakukan precautionary measures carried out towards
tindakan pencegahan secara tepat waktu borrowers having the potential for a decline in
dengan implementasi early warning sebagai credit quality (early warning).The monitoring of
upaya mendeteksi debitur yang berpotensi the Bank’s credit portfolio performed namely
terjadi penurunan kualitas kredit. Pemantauan based on the type of credit used, economic sector,
portofolio kredit Bank disusun berdasarkan core borrowers, type of facility, borrower category,
jenis penggunaan, sektor ekonomi, debitur type of currency, geography, branch and others.
inti, jenis fasilitas, kategori debitur, jenis mata The portfolio progress report submitted to the
uang, geografis, cabang dan lainnya. Laporan Board of Directors on a monthly basis.
perkembangan portofolio tersebut disampaikan
kepada Direksi secara berkala.
• Dalam rangka memenuhi ketentuan regulator • In 2021, in compliance with regulatory
dan mendukung program pemerintah terkait requirements and to support government
penyaluran kredit UMKM, maka pada tahun programs related to MSME lending, the Bank
2021 Bank tetap berkomitmen fokus kepada focused on the provision of credit to the micro,
penyaluran kredit pada segmen usaha mikro, small and medium enterprises (MSMEs)
kecil dan menengah (UMKM). segment.
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2021 BANK
• Untuk akselerasi proses persetujuan kredit • To accelerate the credit approval process for
pada segmen MSME dan consumer, Bank micro and consumer segments, the Bank
menggunakan scoring sebagai alat bantu applied a scoring model as the tool used by the
komite untuk memberikan persetujuan. committee for granting approval.
• Pemantauan terhadap portofolio kredit MSME • Monitoring of micro and retail credit portfolios
dan commercial dilakukan secara harian oleh carried out by business division through a daily
unit bisnis dalam bentuk laporan harian yang report submitted to each micro division. The
disampaikan kepada unit-unit mikro. Laporan report used as a dashboard for micro units as an
tersebut digunakan sebagai dashboard bagi early warning allowing precautionary measures
unit-unit mikro sehingga dapat sedini mungkin to cope with borrowers who have started in
melakukan tindak lanjut penanganan terhadap arrears.
debitur-debitur yang mulai menunggak.
• Pada Tahun 2021, Bank telah melakukan • In 2021, the Bank has developed an application
pengembangan sistem aplikasi untuk system for digital credit distribution (digital
penyaluran kredit secara digital (digital loan), loan), where in the application there is a credit
dimana dalam aplikasi tersebut terdapat credit risk engine as an underwriting system to help
risk engine sebagai underwriting system untuk analyze and assess the eligibility of prospective
membantu menganalisa dan menilai kelayakan debtors to receive loans from the Bank. The Bank
calon debitur untuk menerima pinjaman dari develops a risk model in the form of scoring and
Bank. Bank melakukan pengembangan model periodically analyzes performance monitoring,
risiko berupa scoring dan secara periodeik calibration reviews and validation of the scoring
dilakukan Analisa performance monitoring, model on digital loans to maintain the reliability
reviu kalibrasi dan validasi atas scoring model and validity of the model.
pada digital loan untuk menjaga keandalan dan
validitas model.
• Pandemi COVID-19 yang terjadi sejak Maret 2020 • The COVID-19 pandemic that has shaken the
sampai dengan saat ini berdampak terhadap world since March 2020 had severely affected
hampir seluruh sektor usaha, salah satunya almost every business sector, including banking
sektor keuangan perbankan. Secara Nasional and finance. Nationally, financing for new
pembiayaan terhadap nasabah baru cenderung customers tends to grow in slow manner.
bertumbuh melambat. Sebagai komitmen Bank Accordingly, the Bank implemented a strategy as
untuk ikut serta dalam pemulihan ekonomi anticipatory measures to cope with the decline in
nasional, Bank menetapkan kebijakan terkait credit quality, namely: issuing policies related to
penanganan kredit kepada nasabah yang the handling of credit to customers affected by
terdampak COVID-19 melalui program relaksasi COVID-19 according to the relaxing enforcement
sebagaimana ditetapkan oleh Regulator, policy issued by regulators, selective provision of
program tersebut dapat menekan penurunan credit and new provision of credit with priority
kualitas kredit dari debitur/nasabah. Selain given to sectors having sufficient business
itu Bank juga membatasi penyaluran kredit prospects and collateral and improvement on
yang dilakukan dengan sangat selektif dan close monitoring of all borrowers
mengutamakan sektor yang masih memiliki
prospek usaha dan agunan yang memadai,
serta meningkatkan pemantauan secara ketat
terhadap seluruh debitur.
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BANK 2021
c. Pengelolaan Risiko Konsentrasi Kredit c. Credit Concentration Risk Management

Dalam hal mengelola Risiko Konsentrasi Kredit, As an extension of credit concentration risk
Bank menetapkan Batasan Pemberian Kredit management, the Bank determined the limit for
kepada Satu Debitur/Grup sesuai dengan regulasi maximum permitted provision of fund for each
terkait Batas Maksimum Pemberian Kredit (BMPK) borrower or group of borrowers in compliance
juga batas konsentrasi yang menjadi risk appetite with the regulations concerning the Legal Lending
dan risko tolerance di dalam parameter profil Limit (LLL), including the concentration limit of risk
risiko seperti sektor ekonomi dan debitur inti. appetite in the risk profile parameters, covering
Pemantauan terhadap risiko konsentrasi tersebut economic sector, core borrowers, and others.
dipantau secara bulanan. Dalam penetapan Monitoring of the concentration risk carried out on
limit risiko konsentrasi tersebut Bank telah a monthly basis. In determining the concentration
mempertimbangkan kondisi historis, Statistik risk limit, the Bank considered historical conditions,
Perbankan OJK dan rencana Portofolio Bank yang OJK banking statistics and the Bank’s portfolio
ditetapkan sesuai dengan Rencana Bisnis Bank. plan determined in accordance with the Bank's
Business Plan.
d. Credit Risk Measurement and Control d. Credit Risk Measurement and Control
• Pengukuran Risiko Kredit • Credit Risk Measurement
Dalam mengukur beban modal atas risiko kredit, In measuring capital charges for credit risk, the
Bank mengacu kepada Surat Edaran Otoritas Bank referred to the Financial Services Authority
Jasa Keuangan Nomor 42/SEOJK.03/2016 Circular Letter Number 42/SEOJK.03/2016
perihal Pedoman Perhitungan Aset Tertimbang concerning Guidelines for Calculating Risk-
menurut Risiko untuk Risiko Kredit dengan Weighted Assets for Credit Risk Using a
Menggunakan Pendekatan Standar. Penilaian Standardized Approach. Assessment of the
terhadap profil risiko kredit juga dilakukan secara credit risk profile carried out periodically to
berkala untuk mengukur risiko yang melekat measure inherent risk and the adequacy of risk
serta kecukupan penerapan manajemen management implementation. Inherent risk
risiko. Risiko yang melekat diukur dengan measured using a number of parameters which
menggunakan sejumlah parameter yang include the composition of asset portfolio and
mencakup antara lain komposisi portofolio aset concentration levels, quality of provision of funds
dan tingkat konsentrasi, kualitas penyediaan and adequacy of reserves.
dana dan kecukupan pencadangan.
Secara berkala, Bank melakukan stress Periodically, the Bank performed stress testing
testing dengan berbagai skenario dan reviu with various scenarios and reviewed parameters
terhadap faktor dan parameter dalam stress in the stress testing. In addition, credit stress
testing. Stress testing kredit dilakukan guna testing performed to measure the impact of
mengukur dampak perubahan kondisi internal changes in internal and external, including factor
dan eksternal di antaranya faktor perubahan of changes in policy, changes in exchange rates,
kebijakan, perubahan nilai tukar, perubahan and changes in the interest rates of bank credit.
suku bunga terhadap perkreditan Bank. Pada In 2020, the Bank has conducted stress testing to
tahun 2020 Bank melakukan stress testing
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2021 BANK
untuk mengukur dampak pandemi COVID-19 measure the impact of the COVID-19 Pandemic
terhadap dampaknya terhadap tingkat NPL, on capital position (credit risk and market risk)
profit dan permodalan Bank. Secara umum hasil and liquidity (liquidity risk). The results of stress
stress testing yang telah dilakukan untuk risiko testing showed that the Bank’s has a sufficient
kredit menunjukkan bahwa permodalan Bank capital to anticipate losses and potential risks
cukup memadai dalam mengantisipasi estimasi faced.
potensi kerugian dari potensi risiko-risiko yang
dihadapi.
• Pengendalian Risiko Kredit • Credit Risk Control

- Bank mengembangkan serta menerapkan - The Bank developed and implemented risk
risk governance sebagai bagian dalam governance as part of credit internal control into
pengendalian internal perkreditan sebagai the following:
berikut:
- Lini pertama (pilar bisnis dan pendukung) - The first line (business and support pillars)
terutama bertanggung jawab mengelola primarily responsible for managing credit risk as
risiko kredit yang merupakan bagian dari part of daily activities.
aktivitasnya sehari-hari.
- Lini kedua menyediakan sumber daya yang - The second line provides the necessary resources
diperlukan untuk mengembangkan kerangka required to develop a credit risk framework,
kerja risiko kredit, kebijakan, metodologi dan policies, methodology and credit risk tools for
perangkat risiko kredit dalam pengelolaan credit risk management on the entire bank’s
risiko kredit yang bersifat material secara activities.
bankwide.
- Lini ketiga merupakan audit internal dan - The third line is internal audit and internal control,
kontrol internal, yang secara independen which independently assessed the compliance,
bertugas untuk melakukan pemeriksaan adequacy and effectiveness of the credit risk
terhadap kepatuhan, kecukupan dan management process.
efektivitas proses manajemen risiko kredit.
- Dalam menjalankan fungsi manajemen risiko - The credit risk management exercised through
kredit, proses persetujuan kredit telah diatur the credit approval process regulated by the
dalam kebijakan Bank, di mana penentuan bank’s policies, namely the assignment of
Limit Kewenangan dalam proses pemutusan authority to branches, regional offices and head
kredit telah dilakukan secara berjenjang office to enable an optimal credit decision-
dengan menetapkan wewenang di kantor making process. In conjunction with the growth
cabang, kantor wilayah dan kantor pusat. in lending sector of the bank, the Bank supported
Seiring dengan bertumbuhnya perkreditan by a program known as PEGA. This program
Bank, maka untuk mendukung efektivitas helps to ensure the effectiveness and efficiency
dan efisiensi dalam pengajuan permohonan as well as accelerate the credit application and
kredit serta mempercepat pelaksanaan proses approval process for retail, micro, and consumer
persetujuan kredit, Bank menggunakan credit and continuesly developed and refined
suatu program bantu yang dikenal dengan through the inclusion of overall risk parameters.
PEGA yang terus dikembangkan dan
disempurnakan dalam proses pengajuan
kredit commercial, msme dan consumer
dengan menerapkan parameter risiko secara
menyeluruh.
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BANK 2021
- Bank telah membentuk Loan Recovery - In order to perform more focused and well-
Group yang memiliki fungsi khusus dalam monitored restructuring and recovery measures
menangani kredit bermasalah. Agar upaya towards default borrower and non-performing
penyehatan dan/atau penyelamatan kredit loans, the Loan Recovery Group expanded the
bermasalah dapat dijalankan dengan lebih organizational Structure. The Loan Recovery
fokus dan termonitor, maka Loan Recovery Group added Human Resources and developed
Group menyusun beberapa strategi sehingga several strategies to enable more intensive
penanganan kredit bermasalah dapat handling and maintaining the credit quality of
lebih intensif serta mendorong Recovery the Bank as well as improving the recovery rate of
Rate atas penanganan kredit bermasalah, non-performing loans. Several initiatives made in
sehingga dapat menjaga kualitas kredit managing non-performing loans, which include
Bank. Upaya yang dilakukan dalam restructuring, provision of reserves and write-offs
pengelolaan kredit bermasalah antara lain if necessary. Procedures and guidelines for the
dilakukannya restrukturisasi, pembentukan implementation of restructuring and/or recovery
pencadangan hingga pelaksanaan hapus of non-performing loans stipulated in the Bank’s
buku jika diperlukan. Tata cara dan pedoman internal policy and subject to periodic reviews.
untuk melaksanakan penyehatan dan/atau
penyelamatan kredit bermasalah juga telah
diatur dalam kebijakan internal Bank dan
dilakukan reviu secara berkala.
- Dalam menjalankan prinsip kehati-hatian - In implementing the prudential principle of
pemberian kredit, salah satu bentuk mitigasi lending, one form of risk mitigation is to require
risiko adalah dengan mewajibkan debitur debtors to provide collateral that meets the
untuk memberikan agunan yang memenuhi Bank's requirements. Types of collateral that
persyaratan Bank. Jenis agunan yang dapat can be accepted by the Bank as credit collateral
diterima Bank sebagai agunan kredit antara include cash collateral, fixed assets, machinery,
lain berupa cash collateral, fixed asset, mesin, motor vehicles, inventories, shares and others
kendaraan bermotor, persediaan, saham dan in accordance with applicable policies. The
lainnya sesuai dengan kebijakan yang berlaku. estimation of the fair value of the collateral is
Perkiraan nilai wajar dari agunan dilakukan carried out objectively based on the results of
secara objektif berdasarkan hasil penilaian the assessment of the Bank's internal appraisers
dari penilai internal Bank dan penilai public and independent public appraisers depending
independent tergantung dari nilai plafon on the ceiling value proposed by the prospective
yang diajukan calon debitur. debtor.
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2021 BANK
Pendekatan Bank untuk Pembentukan Cadangan Bank’s Approach to the Formation of Allowance
Kerugian Penurunan Nilai (CKPN) for Impairment Losses (CKPN)
Sejak bulan Januari 2020, Bank telah Since January 2021, the Bank has implemented
mengimplementasikan PSAK 71 dalam pembentukan PSAK 71 in the formation of credit impairments
impairment kredit sesuai dengan penetapan Dewan in accordance with the provision of the Financial
Standar Akuntansi Keuangan Ikatan Akuntan Accounting Standards Board of the Indonesian
Indonesia (DSAK IAI). Bank bekerja sama dengan Institute of Accountants (DSAK IAI). The Bank, in
konsultan telah membangun infrastruktur dan collaboration with consultants, has built infrastructure
sistem teknologi informasi yang dapat melakukan and information technology systems that can
Classification & Measurement, perhitungan perform Classification & Measurement, calculation
impairment (collective & individual), serta disclosure of impairments (collective & individual), as well as
reporting. Cakupan penurunan nilai berdasarkan disclosure reporting. The scope for impairment under
PSAK 71 (IFRS 9) telah memperhitungkan kerugian di PSAK 71 (IFRS 9) considers future losses (expected
masa mendatang (expected credit loss). credit loss model)
Berbeda dengan PSAK 50/55 sebelumnya yang In contrary to the previous PSAK 50/55 which
mengakui kerugian kredit pada saat peristiwa recognized credit losses when the credit loss event
kerugian kredit terjadi, metode yang diperkenalkan occurred, the method introduced in PSAK 71 requires
pada PSAK 71 ini mensyaratkan pengakuan the immediate recognition of the effect of changes in
segera atas dampak perubahan kerugian kredit expected credit losses after the initial recognition of
ekspektasian setelah pengakuan awal aset keuangan. the financial asset. PSAK 71 introduced the Expected
PSAK 71 memperkenalkan metode kerugian kredit Credit Loss (ECL) method in measuring financial
ekspektasian (Expected Credit Loss/ECL) dalam instrument losses due to impairment of financial
mengukur kerugian instrumen keuangan akibat instruments.
penurunan nilai instrumen keuangan.
Cadangan kerugian penurunan nilai (CKPN) dengan Allowance for impairment losses (CKPN) using the
menggunakan metode Expected Credit Loss sesuai Expected Credit Loss method in accordance with the
dengan ketentuan PSAK 71 (IFRS 9) menghitung provisions of PSAK 71 (IFRS 9) calculated impairment
penurunan nilai pada Portofolio (1) Kredit; (2) Treasury; in the (1) Credit Portfolio; (2) Treasury; (3) Trade
(3) Trade Finance baik untuk On B/S maupun Off B/S Finance for both On B/S and Off B/S - on a monthly
- secara bulanan, yang dicatat pada biaya perolehan basis, which recorded at amortized cost or at fair value
diamortisasi atau pada nilai wajar melalui penghasilan through other comprehensive income, plus lease
komprehensif lain, ditambah piutang sewa, aset receivables, contract assets, loan commitments, and
kontrak, komitmen pinjaman, dan kontrak jaminan financial guarantee contracts measured not at fair
keuangan yang tidak diukur pada nilai wajar melalui value through profit or loss.
laba rugi
Tujuan dari persyaratan penurunan nilai adalah untuk The purpose of the impairment requirement is to
mengakui kerugian kredit ekspektasi sepanjang recognized the expected lifetime of credit loss on
umurnya atas semua instrumen keuangan yang all financial instruments that have experienced
telah mengalami peningkatan risiko kredit secara a significant increase in credit risk since initial
signifikan sejak pengakuan awal baik dinilai secara recognition whether assessed individually or
individu atau kolektif, dengan mempertimbangkan collectively taking into account all reasonable
semua informasi yang wajar dan didukung informasi information and supported by informative prediction
yang bersifat perkiraan masa depan (forward-looking). of the future. (forward-looking).
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Bank Sinarmas mengukur penyisihan kerugian Bank Sinarmas measured the allowance for losses
instrumen keuangan sejumlah kerugian kredit on financial instruments at the amount of expected
ekspektasi sepanjang umurnya, jika Risiko Kredit atas credit losses over their lifetime, if the credit risk on
instrumen keuangan tersebut telah meningkat secara these financial instruments increased significantly
signifikan sejak pengakuan awal. Jika pada tanggal since initial recognition. In case at the reporting
pelaporan, Risiko Kredit atas instrumen keuangan date, the credit risk on a financial instrument has not
tidak meningkat secara signifikan sejak pengakuan increased significantly since initial recognition, the
awal, entitas mengukur penyisihan kerugian untuk entity shall measure the allowance for losses for that
instrumen keuangan tersebut sejumlah kerugian financial instrument at the amount of an expected 12
kredit ekspektasi 12 bulan. months credit loss.
Bank melakukan permodelan Probability of Default, The Bank performed Probability of Default, Loss Given
Loss Given Default, Credit Conversion Factor, Default, Credit Conversion Factor, Exposure at Default,
Exposure at Default, dan Forward Looking of and Forward Looking of Macroeconomic modeling
Macroeconomic untuk semua segmentasi portofolio for the entire financial instrument portfolio segments
instrumen keuangan sesuai dengan metodologi according to the methodology determined by Bank
yang telah ditentukan oleh Bank Sinarmas. Selain Sinarmas. In addition, the Bank regularly reviewed
itu, Bank melakukan reviu secara berkala terhadap the parameters of Probability of Default, Loss Given
parameter Probability of Default, Loss Given Default, Default, Credit Conversion Factor, and Forward
Credit Conversion Factor, dan Forward Looking of Looking of Macroeconomics. The Bank reviewed
Macroeconomic. Dalam hal itu, Bank melakukan reviu the parameters of Probability of Default, Loss Given
parameter Probability of Default, Loss Given Default, Default, and Credit Conversion Factor every 6 (six)
dan Credit Conversion Factor minimal 1 (satu) tahun months, and reviewed the calculation of Forward
sekali. Looking of Macroeconomics once a year in minimum.
Seperti pada penerapan PSAK 50/55, perhitungan In the application of PSAK 50/55, the calculation of
impairment juga dilakukan dalam 2 (dua) kategori, impairments carried out in 2 (two) categories, which
yaitu individual dan kolektif. are individual and collective.
1. Cadangan Kerugian Penurunan Nilai (CKPN) secara 1. Allowance for Impairment Losses (CKPN)
individual individually
a. CKPN individual dibentuk untuk kredit dengan a. Individual CKPN formed for loans with a ceiling
plafon di atas Rp15 miliar dan telah menunggak of more than Rp15 billion and has been in arrears
lebih dari 90 hari atau belum menunggak selama for more than 90 days or has not been in arrears
90 hari tetapi terdapat bukti objektif penurunan for 90 days but there is objective evidence of
nilai. impairment.
b. Perhitungan penurunan nilai secara individu: b. Individual impairment calculations:
- Discounted Cash Flow - Discounted Cash Flow
Penurunan nilai yang mengakibatkan Impairment resulting in loss measured as
kerugian diukur dari selisih antara nilai tercatat the difference between the financial asset’s
aset keuangan dengan nilai kini dari estimasi carrying value and the present value of
arus kas masa datang yang didiskontokan estimated future cash flows, discounted at the
memakai tingkat suku bunga efektif awal original effective interest rate of the financial
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dari aset keuangan yang dimaksud. Nilai asset. The carrying value of the asset is reduced
tercatat aset tersebut dikurangi melalui akun through the allowance for impairment loss
cadangan kerugian penurunan nilai dan account and the loss expense recognized in
beban kerugian yang diakui pada laporan the profit or loss.
laba rugi.
Apabila tagihan telah jatuh tempo memiliki If the receivable due has a variable interest
suku bunga variabel, maka kerugian rate, the impairment loss is discounted using
penurunan nilai didiskontokan dengan the effective interest rate as stated in the
menggunakan suku bunga efektif yang contract.
berlaku sesuai yang tertera dalam kontrak.
- Fair Value of Collateral - Fair Value of Collateral

Pengukuran aset keuangan dengan The measurement of financial assets with
agunan dihitung berdasarkan nilai kini collateral is calculated based on the present
dari estimasi arus kas masa datang yang value of estimated future cash flows, which
mencerminkan arus kas dari hasil penjualan reflects the cash flows from the sales or
atau pengambilalihan agunan dikurangi acquisition of collateral less the costs to
biaya-biaya untuk memperoleh dan menjual acquire and sell the collateral.
agunan tersebut.
2. Cadangan Kerugian Penurunan Nilai (CKPN) 2. Collective allowance for impairment losses (CKPN)
kolektif
a. CKPN kolektif dibentuk untuk seluruh kredit a. Collective CKPN is formed for all loans with a
dengan plafon di bawah Rp15 miliar dan ceiling of below Rp15 billion and loans with a
kredit dengan plafon di atas Rp15 miliar yang ceiling of more than Rp15 billion whose arrears
tunggakannya belum melebihi 90 hari. Metode have not exceeded 90 days. The method of
perhitungan CKPN disesuaikan dengan standar calculating CKPN is adjusted to the applicable
kebijakan akuntansi yang berlaku. accounting policy standards.
b. Bank melakukan evaluasi penurunan nilai b. The Bank evaluated impairment collectively
secara kolektif menggunakan parameter using the parameters Probability of Default,
Probability of Default, Loss Given Default, Credit Loss Given Default, Credit Conversion Factor,
Conversion Factor, Exposure at Default, dan Exposure at Default, and Forward Looking of
Forward Looking of Macroeconomic dengan Macroeconomics by classifying financial assets
mengelompokkan aset keuangan berdasarkan based on similar credit risk characteristics, such
kesamaan karakteristik risiko kredit, seperti as types of credit segmentation and length of
terhadap jenis segmentasi kredit dan lama arrears.
tunggakan.
c. Bank menggunakan metode migration analysis c. The Bank used the migration analysis method,
yaitu metode pendekatan yang dilakukan which is an approach method t historical DPD
dengan menggunakan tingkat migrasi DPD migration rates for the last 5 years in calculating
secara historical minimal selama 3 tahun terakhir the Probability of Default (PD).
dalam menghitung Probability of Default (PD).
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Pengungkapan Risiko Kredit Menggunakan Metode Disclosure of Credit Risk Using Standard Methods
Standar
a. Kebijakan penggunaan peringkat dalam a. Policy on the use of ratings in the calculation of
perhitungan Aset Tertimbang Menurut Risiko Risk Weighted Assets (RWA) for credit risk.
(ATMR) untuk risiko kredit.
- Dalam perhitungan ATMR risiko kredit, - The bank calculated the RWA for credit risk
Bank menggunakan perhitungan dengan through Standardized Approach.
Pendekatan Standar (Standardized Approach).
- Kategori portofolio yang menggunakan - Portfolio categories that used external ratings
peringkat eksternal adalah tagihan kepada are receivables on public sector entities,
entitas sektor publik, tagihan kepada Bank receivables on Multilateral Development Banks
Pembangunan Multilateral dan Lembaga and International Institutions, receivables on
Internasional, tagihan kepada Bank, dan the Banks, and receivables on Corporations
tagihan kepada Korporasi (surat berharga). (securities).
- Lembaga pemeringkat yang digunakan oleh - The rating agency used by the Bank is guided
Bank berpedoman pada ketentuan Bank by Bank Indonesia regulations. The Bank hired
Indonesia. Bank menggunakan beberapa several rating agencies recognized by the
lembaga pemeringkat yang diakui Otoritas Financial Services Authority in accordance with
Jasa Keuangan sesuai dengan SE OJK No. 37/ SE OJK No.37/SEOJK.03/2016 in the framework
SEOJK.03/2016 dalam rangka pemberian kredit of extending credit to borrowers in the form of
kepada debitur berupa obligasi dan surat bonds and other securities, namely: Standard
berharga lainnya, yaitu: Standard and Poor’s, and Poor’s, Fitch Rating, Moody’s, Fitch Ratings
Fitch Rating, Moody’s, Fitch Ratings Indonesia, Indonesia, and the Indonesian Securities Rating
dan Pemeringkat Efek Indonesia. Agency.
b. Pengungkapan risiko kredit pihak lawan b. Disclosure of counterparty credit risk
Eksposur derivatif yang dimiliki Bank Sinarmas In terms of derivative exposure, Sinarmas Bank only
tidak terlalu signifikan, dimana Bank hanya has exchange rate derivative exposure. Reverse
memiliki eksposur derivative nilai tukar. Transaksi Repo and Repo transactions conducted by Banks
Reverse Repo dan Repo yang dilakukan Bank tend to be insignificant whereas almost the entire
cenderung insignifikan di mana transaksi tersebut transactions carried out with Bank Indonesia.
hampir sepenuhnya dilakukan dengan Bank
Indonesia.
c. Mitigasi Risiko Kredit c. Credit Risk Mitigation
Pengungkapan risiko kredit sebesar eksposur Disclosure of credit risk equal to the exposure of
tagihan/kredit yang diterima oleh pihak lawan/ receivables/ credit received by the counterparty/
debitur dengan memperhitungkan jenis agunan borrower by taking into account the type of
yang diserahkan kepada Bank sebagai mitigasi collateral submitted to the Bank as the Bank’s
risiko kredit Bank. credit risk mitigation.
- Dalam kebijakan perkreditan Bank jenis - In the Bank’s credit policy, the types of collateral
agunan yang diterima antara lain: accepted include:
• Benda bergerak dan berwujud, seperti: • Movable and tangible objects, such as:
kendaraan bermotor/kendaraan alat berat, motorized vehicles/heavy equipment,
barang dagangan (inventory), mesin/alat- merchandise (inventory), heavy machinery/
alat berat, kapal laut. equipment, ships.
• Agunan tunai, antara lain berupa: sertifikat • Cash collateral, among others: certificates of
deposito, deposito berjangka, tagihan/ deposit, time deposits, accounts receivable,
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piutang usaha, saham, obligasi, standby L/C stocks, bonds, standby L/C and others.
dan lain-lain.
• Tanah dan bangunan: Sertifikat Hak Milik, • Land and buildings: Ownership Certificate,
Sertifikat Hak Guna Bangunan (SHGB), Building Use Right Certificate (SHGB),
Sertifikat Hak Milik atas Rumah Susun Ownership Certificate for Flats (SHMRS).
(SHMRS).
• Hak sewa pakai. • Lease rights.
• Agunan immateriil penanggungan, antara • Insurance immaterial collateral, including
lain Jaminan pribadi/perorangan (personal personal guarantee (personal guarantee)
guarantee) dan jaminan perusahaan and corporate guarantee (corporate
(corporate guarantee). guarantee).
• Written Support, antara lain Letter of • Written Support, including Letter of
Awareness, Letter of Comfort, Letter of Awareness, Letter of Comfort, Letter of
Undertaking. Undertaking.
• Reksa Dana. • Mutual funds.
• Kinerja Perusahaan. • Company performance
- Kebijakan, prosedur dan proses untuk menilai - Policies, procedures and processes for assessing
dan mengelola agunan and managing collateral
Pada prinsipnya pemberian pinjaman In principle, the provision of loans must be
harus disesuaikan dengan kemampuan adjusted to the ability to repay and in case the
pembayarannya, tetapi analisa jaminan tetap loan becomes problematic, collateral analysis
dibutuhkan sebagai alternatif penyelesaian used as an alternative solution. Collateral
apabila pinjaman menjadi bermasalah. received as material guarantee and has a high
Jaminan yang diterima merupakan jaminan market value (marketable) and prioritized on
yang materil dan memiliki nilai pasar yang behalf of the prospective borrower. Collateral
tinggi (marketable) dan diutamakan atas nama appraisal carried out by an independent
calon debitur. Penilaian agunan dilakukan appraiser or an internal appraiser who is not
oleh penilai independen atau penilai internal involved in the credit granting process. he
yang tidak terlibat dalam proses pemberian appraisal process depends on the size of the
kredit. Proses penilaian tergantung besar loan, where for loans above IDR 5 billion, the
pinjamannya, di mana pinjaman diatas Rp5 collateral must be assessed by an independent
miliar, maka agunan harus dilakukan penilaian appraisal, and loans of up to IDR 5 billion
oleh independen appraisal sedangkan collateral assessment made by the Bank’s
pinjaman hingga Rp5 miliar di lakukan oleh internal appraisal.
internal appraisal Bank.
- Pihak-pihak utama pemberi jaminan/garansi - The main parties that provide guarantees and
dan kelayakan kredit (creditworthiness) creditworthiness
Untuk menjaga kemungkinan tidak tertagihnya To anticipated the possibility of uncollectible
kredit yang sudah diberikan kepada debitur, receivable that has been given to the borrower,
maka Bank dapat meminta tambahan agunan the Bank may ask for additional collateral,
antara lain meminta jaminan dari pihak ketiga among others, requesting guarantees from
lainnya dan/atau garansi yang tidak berkaitan other third parties and/or guarantees that are
langsung dengan obyek yang dibiayai not directly related to the object being financed
dan Bank akan menilai kelayakan kredit and the Bank will assess the creditworthiness
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(creditworthiness) dari pihak-pihak tersebut. of the parties. The main parties who provide
Pihak-pihak Utama pemberi jaminan/garansi guarantees and creditworthiness are analyzed
tersebut dianalisis pada saat proses kredit dan during the credit process and their eligibility
kelayakannya diputuskan dengan penerapan determined through the application of the
four-eye principles. four-eye principles.
Risiko Pasar Market Risk

Risiko Pasar adalah risiko pada posisi neraca dan Market risk is the risk in the balance sheet and
rekening administratif termasuk transaksi derivative off balance sheet positions including derivative
akibat perubahan secara keseluruhan dari kondisi transactions due to changes in overall market
pasar termasuk risiko perubahan harga option. Risiko conditions including the risk of changes in option
Pasar terjadi akibat adanya pergerakan variabel pasar prices. Market risk occurs due to the movement of
(adverse movement) dari portofolio yang dimiliki Bank. market variables (adverse movement) of the Bank’s
Variabel pasar yang dimaksud adalah suku bunga portfolio. The market variables in question are interest
dan nilai tukar. Risiko Pasar, antara lain terdapat pada rates and exchange rates. Market risk, among others,
aktivitas fungsional Bank seperti kegiatan treasury is in the Bank’s functional activities such as treasury
dan investasi dalam bentuk surat berharga dan pasar and investment activities in the form of securities
uang maupun penyertaan pada lembaga keuangan and money market as well as participation in other
lainnya, penyediaan dana (pinjaman dan bentuk financial institutions, provision of funds (loans and
sejenis), kegiatan pendanaan dan penerbitan surat similar forms), funding activities and issuance of debt
utang, serta kegiatan pembiayaan perdagangan securities, as well as trade financing activities (trade
(trade finance). finance).
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Bank menerapkan prinsip segregation of duties The Bank implemented the principle of segregation of
dengan memisahkan fungsi dan tanggung jawab duties by separating the functions and responsibilities
secara independen atas transaksi perdagangan of treasury trading transactions independently, which
treasury, yang terdiri dari unit front office, middle consist of the front office, middle office and back office
office dan back office. Front office melakukan units. The front office conducted business activities
aktivitas bisnis dan berhubungan dengan nasabah. and deals with customers. In performing its activities,
Dalam melakukan aktivitasnya, eksposur risiko yang the risk exposure that arises is limited by the risk
timbul dibatasi dengan risk appetite & risk tolerance appetite & risk tolerance that has been determined.
yang telah ditetapkan.
Pemantauan eksposur risiko dan kepatuhan terhadap Monitoring of risk exposure and compliance with risk
limit-limit risiko dilakukan oleh unit independen, limits carried out by an independent unit, namely
yaitu Risk Management Group selaku middle the Risk Management Group as the middle office.
office. Sedangkan proses aktivitas pembukuan dan Meanwhile, the process of book keeping activities and
settlemen transaksi treasury serta proses valuasi settlement of treasury transactions as well as portfolio
portofolio dilakukan oleh Divisi Treasury Settlement valuation processes carried out by the Treasury
sebagai back office. Koordinasi antar unit bisnis Settlement Division as the back office. Coordination
(sebagai Front Office) dan Risk Management Group between business units (as the Front Office) and
(sebagai Middle Office) semakin ditingkatkan, the Risk Management Group (as the Middle Office)
sehingga apabila terdapat potensi risiko bagi Bank is increasingly improved, allowing immediate
dapat segera teridentifikasi dan dapat ditindaklanjuti identification and counteractive measure carried out
dengan segera. on the potential risks that may arise.
Penerapan Manajemen Risiko untuk IRRBB Application of Risk Management for IRRBB
Pengelolaan risiko suku bunga dilakukan terhadap Interest rate risk management carried out on the
posisi instrumen keuangan dalam trading book position of financial instruments in the trading book
maupun banking book. Risiko pasar dalam trading and banking book. Market risk in the trading book
book diukur dengan berbagai metodologi antara lain measured by various methodologies, including
analisa sensitivitas nilai tukar dan Value at Risk (VaR) exchange rate sensitivity analysis and Value at Risk
yang memperhitungkan potensi kerugian dalam (VaR) taking into account the potential losses at a
suatu periode tertentu dan pada tingkat kepercayaan certain period and at a certain level of confidence.
tertentu.
Pengelolaan portofolio yang terekspos risiko suku Portfolio management exposed to interest rate
bunga dalam trading book juga dilakukan dengan risk in the trading book carried out by setting and
menetapkan dan memantau limit-limit, seperti limit monitoring limits, such as portfolio limits, PV01 limits
portofolio, limit PV01, dan stop loss limit. Sedangkan and stop loss limits. Meanwhile, in the banking book,
pada banking book, risiko suku bunga dikelola dengan interest rate risk managed by analyzing the repricing
melakukan analisa repricing gap antara Risk Sensitive gap between Risk Sensitive Assets (RSA) and Risk
Asset (RSA) dan Risk Sensitive Liabilities (RSL). Analisa Sensitive Liabilities (RSL). The analysis performed to
dilakukan untuk mengukur sensitivitas pendapatan measure the sensitivity of net interest income and
bunga bersih dan kecukupan permodalan atas capital adequacy on interest rate movements.
pergerakan suku bunga.
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Bank melakukan proses valuasi secara harian The Bank conducted a daily valuation process based
berdasarkan harga transaksi yang terjadi atau on transaction prices or quoted market prices from
kuotasi harga pasar dari sumber yang independen independent sources on all instruments classified in
untuk seluruh instrumen yang diklasifikasikan the trading book and banking book portfolios. The
dalam portfolio trading book dan banking book. source of the market price used mainly comes from
Sumber harga pasar yang digunakan terutama dari the market price issued by the Indonesia Bond Pricing
harga pasar yang dikeluarkan oleh Indonesia Bond Agency (IBPA) with reference to other sources such as
Pricing Agency (IBPA) serta mempertimbangkan Refinitiv and Bloomberg.
pula sumber acuan lainnya seperti Refinitiv dan
Bloomberg.
Pengukuran risiko pasar untuk perhitungan Market risk measurement for the calculation of the
Kewajiban Penyediaan Modal Minimum (KPMM) Capital Adequacy Ratio (KPMM) carried out using the
dilakukan dengan menggunakan metode standar standardized method that reported monthly to the
yang dilaporkan secara bulanan kepada regulator. regulator. The portfolio coverage calculated in KPMM
Cakupan portofolio yang dihitung dalam KPMM including the trading book portfolio for interest rate
adalah portofolio trading book untuk risiko suku risk and the trading book and banking book portfolios
bunga dan portofolio trading book dan banking book for exchange rate risk.
untuk risiko nilai tukar.
Berdasarkan POJK No.12/POJK.03/2021 mengenai Based on POJK No.12/POJK.03/2021 regarding

Bank Umum, Bank Sinarmas masuk dalam kategori Commercial Banks, Bank Sinarmas is included in
KBMI 2, di mana Bank diwajibkan untuk melakukan the KBMI 2 category, so Bank is required to calculate
perhitungan Interest Rate Risk in The Banking Book Interest Rate Risk in The Banking Book (IRRBB).
(IRRBB).
Risiko suku bunga dalam Banking Book atau Interest Interest rate risk in the Banking Book or Interest Rate
Rate Risk in The Banking Book, yang selanjutnya Risk in The Banking Book, hereinafter abbreviated as
disingkat IRRBB, merupakan risiko akibat pergerakan IRRBB, is the risk due to movement of interest rates
suku bunga di pasar yang berlawanan dengan in the market that is contrary to the position of the
posisi Banking Book, yang berpotensi memberikan Banking Book, which has the potential to have an
dampak terhadap permodalan dan rentabilitas impact on the capital and earnings of the Bank, both
(earnings) Bank baik untuk saat ini maupun pada for both now and in the future.
masa mendatang.
Bank melakukan proses identifikasi, pengukuran The Bank carries out the process of identifying,
dan pengendalian atas risiko suku bunga di banking measuring and controlling interest rate risk in the
book. Risiko tersebut timbul akibat dari posisi aset banking book. This risk arises as a result of the
dan kewajiban yang mempunyai perbedaan antara position of assets and liabilities that have a difference
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waktu perubahan suku bunga dan arus kas (repricing between the timing of changes in interest rates and
risk), perubahan keterkaitan suku bunga dari cash flows (repricing risk), changes in the interest
beberapa yield curve dengan posisi berbeda yang rate relationship of several yield curves with different
mempengaruhi aktivitas Bank (basis risk), perubahan positions that affect the Bank's activities (basis risk),
keterkaitan suku bunga pada rentang jatuh tempo changes in the relationship between interest rates
(yield curve risk), dan suku bunga terkait option on maturity range (yield curve risk), and interest
embedded dalam produk banking book (option risk). rates related to options embedded in banking book
products (option risk).
Dalam melakukan pengukuran risiko IRRBB, Bank In measuring IRRBB risk, the Bank uses 2 (two)
menggunakan 2 (dua) metode yaitu berdasarkan methods, namely based on changes in the economic
perubahan pada nilai ekonomis dari ekuitas (economic value of equity (economic value of equity) or
value of equity) atau disingkat ∆EVE dan pengukuran abbreviated as EVE and measurement based on
berdasarkan perubahan pada pendapatan bunga changes in net interest income (Net Interest Income)
bersih (Net Interest Income) atau disingkat ∆NII yang or abbreviated as ∆NII which includes interest rate
mencakup skenario shock suku bunga dan skenario shock scenario and stress scenario according to the
stress sesuai dengan skala waktu yang diatur pada time scale regulated in SEOJK No. 12/SEOJK.03/2018.
SEOJK Nomor. 12/SEOJK.03/2018.
Bank melakukan perhitungan IRRBB untuk setiap The Bank calculates IRRBB for each position at the end
posisi akhir bulan laporan dan melakukan pelaporan of the reporting month and reports to the regulator
kepada regulator serta pelaporan publikasi untuk as well as publication reporting for each position at
setiap posisi akhir triwulan laporan sesuai ketentuan the end of the reporting quarter in accordance with
yang berlaku. Pengukuran sensitivitas terhadap applicable regulations. Measurement of sensitivity to
IRRBB dilakukan sesuai ketentuan dalam SEOJK IRRBB is carried out in accordance with the provisions
Nomor 12/SEOJK.03/2018, antara lain sebagai berikut: in SEOJK Number 12/SEOJK.03/2018, including the
following:
a. Perhitungan IRRBB memperhitungkan a. The calculation of IRRBB takes into account the
keseluruhan posisi Banking Book dan overall position of the Banking Book and is grouped
dikelompokkan berdasarkan posisi mata uang by currency position that is material to the Bank.
yang material bagi Bank.
b. Pengukuran risiko IRRBB menggunakan metode b. IRRBB risk measurement using the ∆EVE and ∆NII
∆EVE dan ∆NII. methods.
c. Perhitungan ∆EVE tidak memperhitungkan c. The calculation of ∆EVE does not take into account
keberadaan margin komersial dalam arus kas dan the presence of commercial margin in cash flows
dilakukan diskonto dengan risk free rate pada and is discounted at a risk free rate at the reporting
tanggal pelaporan. date.
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Skenario Shock suku bunga yang digunakan Bank The interest rate shock scenario used by the Bank
dalam pengukuran IRRBB mengacu pada SEOJK in measuring IRRBB refers to SEOJK Number. 12/
Nomor. 12/SEOJK.03/2018, sebagai berikut: SEOJK.03/2018, as follows:
a. Metode EVE menggunakan 6 (enam) skenario a. The EVE method uses 6 (six) interest rate shock
shock suku bunga, yaitu: scenarios, namely:
1. Parallel Up : Shock suku bunga yang paralel 1. Parallel Up: Shock interest rates that are
ke atas. parallel to the top.
2. Parallel Down : Shock suku bunga yang 2. Parallel Down: Shock interest rates that are
paralel ke bawah. parallel to the bottom.
3. Steepener : Shock suku bunga yang melandai 3. Steepener: Shock interest rates are sloping
dengan suku bunga jangka pendek menurun with short-term interest rates decreased and
dan suku bunga jangka panjang meningkat long-term interest rates increased (short rates
(short rates down dan long rates up). down and long rates up).
4. Flattener : Shock suku bunga yang mendatar 4. Flattener: Shock interest rates are flat with a
dengan perpaduan suku bunga jangka combination of increasing short-term interest
pendek meningkat dan suku bunga jangka rates and decreasing long-term interest rates.
panjang menurun.
5. Short Up : Shock suku bunga jangka pendek 5. Short Up: Shock of rising short-term interest
yang meningkat. rates.
6. Short Down : Shock suku bunga jangka 6. Short Down: Shock of declining short-term
pendek yang menurun interest rates
b. Metode NII menggunakan 2 (dua) skenario shock b. The NII method uses 2 (two) interest rate shock
suku bunga, yaitu: scenarios, namely:
1. Parallel Up : Shock suku bunga yang paralel 1. Parallel Up: Shock interest rates that are
ke atas. parallel to the top.
2. Parallel Down : Shock suku bunga yang 2. Parallel Down: Shock interest rates that are
paralel ke bawah. parallel to the bottom.
Berikut adalah asumsi utama pemodelan dan The following are the main modeling and parametric
parametrik yang digunakan bank yaitu: assumptions used by the bank, namely:
a. Perhitungan ∆EVE tidak memperhitungkan a. The calculation of ∆EVE does not take into account
keberadaan margin komersial dalam arus kas dan the presence of commercial margin in cash flows
dilakukan diskonto dengan risk free rate pada and is discounted at a risk free rate at the reporting
tanggal pelaporan. date.
b. Bank menetapkan rata-rata jatuh tempo (repricing b. The Bank determines the average repricing
maturities) NMD berdasarkan metodologi core maturities of NMD based on the core deposit
deposit yang saat ini berlaku di Bank dengan methodology currently applicable at the Bank by
menerapkan maksimal core yang ditetapkan oleh applying the maximum core set by the regulator.
regulator.
c. Bank saat ini belum dapat mengestimasi c. The bank is currently unable to estimate the
prepayment rate dari pinjaman dan early prepayment rate of the loan and the early
redemption rate untuk deposito berjangka. redemption rate for time deposits.
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d. Bank mengukur IRRBB untuk mata uang yang d. Banks measure IRRBB for currencies that are
signifikan terhadap Total Aset atau Liabilitas significant to Total Assets or Liabilities following
mengikuti ketentuan regulator yakni IDR dan the regulatory provisions, namely IDR and
USD. Selanjutnya dalam menghitung ΔEVE dan USD. Furthermore, in calculating EVE and NII,
ΔNII dilakukan agregasi dari kedua mata uang aggregation of the two currencies is carried out.
tersebut.
Bank telah menetapkan limit-limit untuk membatasi The Bank established the limits to portfolio exposure
eksposur portofolio maupun potensi kerugian yang as well as potential losses arising from the Bank’s
timbul dari aktivitas bisnis Bank. Pemantauan business activities. Monitoring of these limits carried
terhadap limit-limit tersebut dilakukan secara harian out on a daily basis, allowing for an immediate
sehingga potensi risiko pasar yang timbul diharapkan mitigation toward the potential market risks that may
dapat segera dimitigasi. arise.
Kebijakan pengelolaan risiko nilai tukar berpedoman The exchange rate risk management policy guided
pada batas Posisi Devisa Neto sesuai limit internal by the Net Open Position limit in accordance with the
bank dan ketentuan Bank Indonesia yaitu Bank wajib bank’s internal limit and Bank Indonesia’s regulations,
mengelola dan memelihara Posisi Devisa Neto paling namely the requirement to manage and maintain
tinggi 20% dari modal. Bank menerapkan kebijakan a Net Open Position at a maximum level of 20% of
off market rate pada transaksi yang dijalankan oleh capital. The Bank implemented an off market rate
Treasury dengan tujuan agar rate yang ditransaksikan policy on transactions executed by Treasury, aiming
tidak berada di luar rentang harga wajar pasar, for the transacted rate to be within the fair market
mengingat hal ini dapat menimbulkan potensi price range, considering the possibility of potential
kerugian terhadap bank atau kerugian dari sisi losses to the bank or losses on the customer side
nasabah yang akan memicu timbulnya risiko reputasi which will triggered reputation risk on the Bank.
pada Bank.
Bank senantiasa memantau dan mengukur The Bank constantly monitored and measured the
kecukupan modal yang dialokasikan untuk menutupi adequacy of the allocated capital to cover potential
potensi kerugian yang timbul dari risiko pasar, losses arising from market risk, both exchange rate
baik risiko nilai tukar maupun risiko suku bunga. risk and interest rate risk. Measurements carried out
Pengukuran dilakukan dengan skenario: pergerakan using scenarios: movements in exchange rates and
nilai tukar dan suku bunga diasumsikan dalam interest rates from normal to worse conditions.
kondisi normal hingga kondisi terburuk.
Risiko Likuiditas Liquidity Risk

Risiko likuiditas adalah risiko akibat ketidakmampuan Liquidity risk related to the possibility of the Bank
Bank untuk memenuhi kewajiban yang jatuh tempo inability to fulfill its obligations to depositors, investors
dari sumber pendanaan arus kas dan/atau dari aset and creditors, which namely due to limited access
likuid berkualitas tinggi yang dapat diagunkan, to funding or the inability to liquidate assets at a fair
tanpa menggangu aktivitas dan kondisi keuangan price. Liquidity risk management is one of the most
Bank. Pengelolaan risiko likuiditas merupakan salah important activities carried out by the bank. Liquidity
satu aktivitas terpenting yang dilakukan oleh bank risk management aimed to minimize the possibility
yang bertujuan untuk meminimalkan kemungkinan of the Bank’s inability to obtain cash flow funding
ketidakmampuan Bank dalam memperoleh sumber sources.
pendanaan arus kas.
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Salah satu upaya yang dilakukan Bank untuk The Bank mitigated liquidity risk trough the formation
memitigasi terjadinya risiko likuiditas adalah dengan of an Asset Liability Management (ALMA) team that
dibentuknya tim Asset Liability Management (ALMA) functions to manage and monitor the structure of
yang berfungsi mengelola dan memonitor struktur assets and liabilities as well as formulate the Bank’s
aktiva dan kewajiban serta membuat strategi funding strategy.
pendanaan Bank.
Bank dalam menerapkan manajemen risiko likuiditas Banks in implementing liquidity risk management
dengan melakukan pemantauan likuiditas secara by conducting regular liquidity monitoring where
berkala dimana pemantauan tersebut mencakup the monitoring includes the Bank's liquidity ratios
rasio-rasio likuiditas Bank yang diwajibkan oleh required by regulators such as Statutory Reserves,
regulator seperti GWM, RIM maupun rasio yang RIM and the ratios determined in accordance with
ditetapkan sesuai arahan regulator seperti Rasio Alat the direction of the regulator such as the Ratio of
Likuid terhadap Non-Core Deposit (ALNCD), Rasio Alat Liquid Tools to Non-Core Deposits (ALNCD), Ratio
Likuid terhadap Dana Pihak Ketiga (ALDPK), Liquidity Liquid Assets to Third Party Funds (ALDPK), Liquidity
Coverage Ratio (LCR), dan Net Stable Funding Ratio Coverage Ratio (LCR), and Net Stable Funding Ratio
(NSFR). (NSFR).
Berdasarkan POJK No.12/POJK.03/2021 tentang Bank Based on POJK No.12/POJK.03/2021 concerning

Umum dan dan POJKNo.42/POJK.03/2015 tentang Commercial Banks and POJK No.42/POJK.03/2015
LCR, Bank Sinarmas melaporkan LCR secara berkala concerning LCR, Bank Sinarmas reports LCR
sesuai dengan ketentuan regulator yang telah di periodically in accordance with the provisions of the
tetapkan. Saat ini LCR Bank berada pada level yang regulator that have been set. Currently, the Bank's
sangat memadai dengan komposisi HQLA terbesar LCR is at a very adequate level with the largest HQLA
berasal dari HQLA Level 1 berupa penempatan pada composition coming from HQLA Level 1 in the form of
Bank Indonesia dan Surat Berharga yang diterbitkan placements with Bank Indonesia and Securities issued
Pemerintah Pusat dan Bank Indonesia. by the Central Government and Bank Indonesia.
Selain LCR, Bank juga telah menerapkan perhitungan In addition to LCR, the Bank has also implemented
dan pelaporan NSFR sesuai dengan POJK No.50/ NSFR calculation and reporting in accordance with
POJK.03/2017. NSFR Bank berada di atas batas POJK No. No.50/POJK.03/2017. The Bank's NSFR is
minimum yang ditetapkan oleh regulator (100%). above the minimum limit set by the regulator (100%).
Ketersediaan Stable Funding yang dimiliki Bank The availability of Stable Funding owned by the Bank
mencukupi untuk menutupi kebutuhan dana yang is sufficient to cover the necessary funding needs,
diperlukan dimana komposisi terbesar sumber dana where the largest composition of the source of
berasal dari Simpanan terutama simpanan yang funds comes from deposits, especially deposits from
berasal dari nasabah perorangan dan pendanaan individual customers and funding from micro and
yang berasal dari nasabah usaha mikro dan kecil. small business customers.
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Untuk memitigasi penarikan dana yang cukup In order to mitigate significant withdrawals of funds,
signifikan Bank menjaga kecukupan Aset Likuid the Bank maintained sufficient Liquid Assets at a
pada level yang aman. Mitigasi risiko likuiditas safe level. Liquidity risk mitigation carried out trough
juga dilakukan dengan cara me-monitoring arus monitoring cash flows by treasuries with direct
kas oleh Treasury yang memiliki akses langsung access to large customers and authority to enter the
kepada nasabah-nasabah besar dan mempunyai interbank and non-bank markets for the placing and
akses serta wewenang untuk memasuki pasar antar taking activities.
bank maupun non-bank untuk melakukan aktivitas
placing maupun taking.
Dalam menghadapi kondisi krisis likuiditas, Bank In facing a liquidity crisis, the Bank prepared
telah menyusun dokumen Contingency Funding a Contingency Funding Plan document. The
Plan yang mencakup kebijakan, strategi, prosedur Contingency Funding Plan includes policies,
dan rencana tindak (action plan) untuk memastikan strategies, procedures and action plans, ensuring the
kemampuan Bank memperoleh sumber pendanaan Bank’s ability to obtain the required funding sources
yang diperlukan secara tepat waktu dan dengan in a timely manner and at a reasonable cost.
biaya yang wajar.
Pada dasarnya, risiko likuiditas dikelola sesuai dengan Basically, liquidity risk managed in accordance with
kerangka kebijakan, pengawasan, dan batasan yang a policy framework, supervision and boundaries,
memastikan bahwa konsentrasi pendanaan bersifat ensuring minimal funding concentration and
minimal, sumber dan jangka waktu pendanaan telah diversified funding sources and timeframes. The
terdiversifikasi. Bank juga secara proaktif mengelola Bank proactively managed its core deposit base and
basis simpanan inti dan memastikan bahwa batas ensured that liquidity limits adhered to.
likuiditas yang ada dipatuhi.
Risiko Operasional Operational Risk

Risiko operasional dapat disebabkan karena Operational risks may arise due to inadequacy and/
ketidakcukupan dan/atau tidak berfungsinya proses or malfunction of internal processes, human error,
internal, kesalahan manusia, kegagalan sistem, system failure, or external factors affecting the Bank’s
atau adanya faktor eksternal yang mempengaruhi operations.
operasional Bank.
Pengelolaan risiko operasional didukung dengan Operational risk management supported by the
struktur organisasi Bank yang mencakup: Bank’s organizational structure, which includes:
a. Komite Pemantau Risiko (KPR) : melakukan a. Risk Monitoring Committee (KPR): performs
fungsi pengawasan dan memberikan arahan the supervisory function and provides direction
terkait dengan Manajemen Risiko Bank. related to the Bank’s risk management.
b. Komite Manajemen Risiko (KMR) : melakukan b. Risk Management Committee (KMR): supervises
pengawasan atas pengelolaan risiko yang the risk management carried out by the Bank.
dijalankan oleh Bank.
c. Direksi dan Komisaris, memastikan kebijakan c. The Board of Directors and Commissioners
terkait risiko operasional sejalan dengan ensure that policies related to operational risk are
strategi manajemen risiko Bank dan melakukan in line with the Bank’s risk management strategy
pemantauan terhadap implementasi and monitor the implementation of operational
pengelolaan risiko operasional. risk management.
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d. Unit Kerja (lini pertama), merupakan risk owner d. The Work Unit (first line), is the risk owner who
yang bertanggung jawab untuk pengelolaan is responsible for managing risk management in
manajemen risiko pada aktivitas operasional daily operational activities.
harian.
e. Risk Management Group (lini kedua), melakukan e. The Risk Management Group (second line),
identifikasi, pengukuran, monitoring terhadap identifies, measures, monitors risk, and provides
risiko, serta memberikan rekomendasi untuk recommendations to improve the quality of
peningkatan kualitas kontrol kepada unit kerja control to the relevant work units.
terkait.
f. Satuan Kerja Audit Internal (lini ketiga), f. The Internal Audit Unit (third line), ensures
memastikan bahwa risiko yang teridentifikasi that the identified risks have been managed
telah dikelola dengan baik serta memastikan properly and ensures the effectiveness of the
keefektifan pelaksanaan manajemen risiko dan implementation of risk management and
internal kontrol oleh unit-unit bisnis. internal control by business units.
Bank melaksanakan RCSA (Risk Control Self The Bank implements RCSA (Risk Control Self
Assessment) untuk mengidentifikasi dan mengukur Assessment) to identify and measure operational risk
risiko operasional yang dilakukan secara berkala oleh which is carried out periodically by the first line (work
lini pertama (unit kerja) dan lini kedua (operational unit) and second line (operational risk). Recording of
risk). Pencatatan atas kejadian operasional telah operational events has been carried out by the Bank
dilakukan Bank dengan menggunakan Loss Event using the Loss Event Database (LED) where details
Database (LED) dimana detail kejadian dan nilai of events and the value of losses (financial and non-
kerugian (financial dan non-financial) yang terjadi financial) that occurred are recorded.
dicatat.
Bank juga memiliki perangkat risiko operasional The Bank also has operational risk tools in the form of
berupa Key Risk Indicators (KRI) yang digunakan Key Risk Indicators (KRI) which are used to identify or
untuk mengidentifikasi atau memberikan suatu provide an indicator (early warning signal) and analyze
indikator (early warning signal) dan menganalisa risk early on the rise and fall of risk level indicators in
risiko sejak dini atas naik turunnya indikator-indikator order to control any operational risks inherent in each
tingkat risiko dalam rangka pengendalian setiap Bank’s business activity and operations.
risiko operasional yang melekat pada setiap aktivitas
bisnis dan operasional Bank.
Mitigasi risiko operasional dilakukan melalui : Operational risk mitigation is carried out through:
a. Risk assessment terhadap produk dan aktivitas a. Risk assessment of new products and activities,
baru, kebijakan, prosedur, petunjuk pelaksanaan/ policies, procedures, implementation instructions/
petunjuk teknis, user access matrix yang dimiliki technical instructions, user access matrix owned
oleh Bank. by the Bank.
b. Melakukan pengukuran risiko operasional dengan b. Measure operational risk by implementing RCSA
penerapan RCSA (Risk Control Self-Assessment) (Risk Control Self-Assessment) which is carried out
yang dilakukan secara komprehensif oleh lini comprehensively by the first line (work unit) and
pertama (unit kerja) dan lini kedua (operational second line (operational risk management).
risk management).
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c. Pencatatan atas kejadian operasional baik yang c. Recording of operational events that cause
menimbulkan kerugian finansial maupun tidak financial losses or not in the LED (Loss Event
dalam LED (Loss Event Database). Database).
d. Pengembangan KRI (Key Risk Indicator) untuk d. Development of KRI (Key Risk Indicator) for
unit kerja yang pengukurannya dilakukan secara work units whose measurements are carried out
berkala. regularly.
e. Dilakukan penerapan strategi Anti Fraud dalam e. Anti-Fraud strategy is implemented in order to
rangka pengendalian potensi risiko fraud baik dari control potential fraud risk both internally and
internal maupun eksternal. Penerapan strategi externally. The implementation of the anti-fraud
anti fraud juga didukung oleh kebijakan serta strategy is also supported by the policies and
sistem yang digunakan seperti Fraud Detection systems used, such as the Fraud Detection System.
System.
f. Penerapan internal control yang memadai f. Adequate internal control implementation
antara lain melalui implementasi Segregation includes the implementation of Segregation
of Duties (SoD)/pemisahan yang jelas terhadap of Duties (SoD)/clear separation of duties and
tugas dan tanggung jawab pada setiap unit kerja, responsibilities in each work unit, implementation
implementasi fungsi dual control dalam aktivitas of dual control functions in transactional and/or
transaksional dan/atau operasional. operational activities.
g. Training dan sosialisasi berkala untuk g. Periodic training and socialization to improve the
meningkatkan kompetensi Sumber Daya Manusia competence of Human Resources (HR).
(SDM).
Risiko Hukum Legal Risks

Risiko hukum merupakan risiko yang timbul dari Legal risk is a risk that arising from weaknesses in
kelemahan aspek hukum, antara lain akibat dari legal aspects, including due to legal action, absence
Tindakan hukum, tidak adanya peraturan yang of supporting regulations or weaknesses of legally
mendukung atau kelemahan dari ketentuan- binding provisions, such as failure to comply with
ketentuan yang mengikat secara hukum, seperti the legal requirements of an agreement and gaps in
kegagalan untuk mematuhi persyaratan hukum guarantee binding
suatu perjanjian dan celah-celah dalam pengikatan
jaminan.
Perkembangan dan dinamika transaksi memerlukan The development and dynamics of transactions
peningkatan optimalisasi atas peran dan fungsi Legal require increased optimization of the existing legal
yang ada. Dalam setiap aktivitas, baik perkreditan, roles and functions. In every activity, whether credit,
operasional maupun treasury, Bank juga selalu operational or treasury, the Bank always paid attention
memperhatikan kelengkapan aspek hukum, to the completeness of legal aspects, especially those
terutama yang berkaitan dengan aktivitas perikatan related to contractual activities with customers/
perjanjian dengan nasabah/debitur dan kelengkapan borrowers and legality documents as a form of risk
dokumen legalitas sebagai bentuk pengendalian control.
risiko.
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Sejumlah upaya yang telah dilakukan Bank untuk Efforts have been made by the Bank to correct
memperbaiki kelemahan-kelemahan terkait weaknesses related to the agreement, among others
perjanjian, antara lain dengan melakukan reviu ulang by reviewing and updating cooperation agreements
dan pemutakhiran perjanjian kerja sama yang sudah no longer in accordance with implementation and
tidak sesuai dengan pelaksanaan, program pelatihan training programs for employees. Socialization to
bagi karyawan, sosialisasi guna membangun budaya build a culture of legal risk awareness and compliance
sadar risiko hukum dan kepatuhan pada seluruh aspek in all aspects of the bank activities. and effectiveness
lini bank serta efektivitas terhadap pengendalian of internal control.
internal.
Risiko Stratejik Strategic Risk

Secara umum, risiko stratejik adalah potensi kerugian In general, strategic risk is the potential loss arising
yang ditimbulkan akibat ketidaktepatan dalam from inaccuracies in the making and implementation
pembuatan dan pelaksanaan suatu keputusan of a strategic decision, as well as the Bank’s failure to
strategis, serta kegagalan Bank dalam menanggapi respond to changes in the business environment.
perubahan lingkungan bisnis.
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Sebagai langkah dalam memitigasi terjadinya potensi As a step in mitigating potential strategic risks, the
risiko strategis, Bank telah menyusun strategi dan Bank formulated a strategy and business plan which
rencana bisnis yang sebelumnya telah didiskusikan have been previously discussed with the Board of
dengan Dewan Komisaris dan Direksi. Bank juga Commissioners and Board of Directors. The Bank
melakukan kajian dan evaluasi atas realisasi yang telah reviewed and evaluated the realization that has been
dicapai oleh Bank sesuai dengan yang terangkum achieved by the Bank as summarized in the Bank
dalam Rencana Bisnis Bank (RBB). Business Plan (RBB).
Pengukuran kinerja Bank dilakukan dengan Bank performance measurement carried out trough
melakukan monitoring secara berkala melalui periodic monitoring and reports addressed to the
laporan-laporan yang ditujukan kepada Direksi serta Board of Directors and related branch offices/divisions.
kantor cabang/unit kerja terkait.
Secara umum, untuk posisi 31 Desember 2021, In general, for the position of December 31, 2021,
pos-pos keuangan sudah mencapai realisasi yang financial items have achieved good realization such as
baik seperti Total Aset, Surat Berharga, Dana Pihak Total Assets, Securities, Third Party Funds, Net Profit,
Ketiga, Laba Bersih, dan rasio ROE serta ROA. Secara and ROE and ROA ratios. Gradually, there are also
bertahap juga secara berkesinambungan dilakukan continuous improvements to the entire process of the
penyempurnaan pada seluruh proses aktivitas bisnis Company's business activities to further accelerate
Perusahaan untuk lebih mengakselerasi pencapaian the achievement of performance in accordance with
kinerja sesuai dengan target yang ditentukan. the specified targets.
Sesuai dengan rencana stratejik Bank maka Bank In accordance with the Bank's strategic plan, the
mulai mempersiapkan strategi dan infrastruktur Bank began to prepare strategies and infrastructure
terkait beberapa rencana aktivitas Bank seperti Spin related to several Bank activity plans such as UUS Spin
Off UUS menjadi BUS, Digital Banking dan Digital Off to BUS, Digital Banking and Digital Loan.
Loan.
Terkait dengan kondisi pandemi COVID-19 yang masih In relation to the COVID-19 Pandemic conditions that
dialami pada tahun 2021, Bank tetap melakukan are still being experienced in 2021, the Bank continues
sejumlah strategi dalam rangka mempertahankan to carry out a number of strategies in order to maintain
kinerja seperti mengambil langkah antisipatif performance such as taking anticipatory steps for
penyebaran virus di lingkungan kantor dengan the spread of the virus in the office environment
melakukan split operation unit critical, work from by carrying out split operation of critical units, work
home, dan tindakan pencegahan lainnya. Dari sisi from home, and other preventive measures. From
bisnis, Bank juga selalu menjaga prinsip kehati- the business side, the Bank also always maintains the
hatian dalam menyalurkan kredit dengan pemberian principle of prudence in lending by providing more
kredit secara lebih selektif, adanya pelaksanaan selective credit, implementing restructuring and
restrukturisasi serta menjaga likuiditas dan maintaining the Company's liquidity and capital at an
permodalan Perusahaan pada level yang memadai adequate level so that the Company's operational &
sehingga aktivitas operasional & bisnis Perusahaan business activities can run smoothly.
dapat berjalan dengan lancar.
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Risiko Kepatuhan Compliance Risk

Risiko kepatuhan merupakan risiko yang timbul Compliance risk is the risk that arises when the Bank
ketika Bank tidak mematuhi atau tidak melaksanakan does not comply with or does not implement laws
peraturan perundang-undangan dan ketentuan and regulations and other applicable legal provisions.
hukum lain yang berlaku.
Bank secara berkala menyempurnakan kebijakan The Bank periodically improved policies and
dan prosedur serta limit-limit yang mengacu procedures as well as limits referring to the provisions
kepada ketentuan regulator serta institusi terkait of regulators and other relevant institutions, such as
lainnya, seperti Kementerian Keuangan, Peraturan the Ministry of Finance, Government Regulations,
Pemerintah, Undang-Undang Perbankan, dan Banking Law, and others. The Bank periodically
lainnya. Bank melakukan kajian kembali secara reviewed policies, procedures and limits. The review is
berkala terhadap kebijakan, prosedur dan limit. intended to measure its suitability with the scale and
Kajian tersebut untuk mengukur kesesuaiannya complexity of the Bank and to increase prudence and
dengan skala dan kompleksitas Bank serta untuk mitigate compliance risk.
meningkatkan kehati-hatian dan mitigasi risiko
kepatuhan.
Dalam rangka menerapkan manajemen risiko In order to implement effective compliance risk
kepatuhan yang efektif, Bank Sinarmas melakukan management, Sinarmas Bank identified and
identifikasi dan pengelolaan terhadap faktor-faktor managed factors that can increase compliance risk
yang dapat menyebabkan meningkatnya eksposur exposure, including:
risiko kepatuhan, antara lain:
i. Penerapan Good Corporate Governance (GCG) i. Effective implementation of Good Corporate
secara efektif untuk memastikan dan memantau Governance (GCG) to ensure and monitor
kepatuhan terhadap setiap peraturan dan compliance with all regulations and requirements
persyaratan secara eksternal maupun internal. externally and internally.
ii. Melakukan penilaian secara aktif dan berkala ii. Conducting active and periodic assessments of
terhadap kecukupan kebijakan Pedoman dan the adequacy of the Bank’s Internal Guidelines
Prosedur Internal yang dimiliki oleh Bank untuk and Procedure, ensuring compliance with the
memastikan kesesuaiannya terhadap peraturan prevailing laws and regulations.
dan perundang-undangan yang berlaku.
iii. Proaktif melakukan sosialisasi terkait dengan iii. Proactively conducting socialization related to the
pemberlakuan peraturan-peraturan Regulator enforcement of Regulator regulations, namely
yaitu baik dalam bentuk sosialisasi langsung, in the form of direct socialization, and adding
juga dilakukan penyempurnaan materi sosialisasi a summary of these provisions to improve the
ketentuan terbaru melalui media internal dengan socialization of the latest provisions through
menambahkan rangkuman dari ketentuan internal media.
tersebut.
iv. Melakukan identifikasi dan analisa kepatuhan iv. Identify and analyze compliance (compliance
(compliance analysis) atas rencana dan analysis) on plans and development of new
pengembangan produk dan aktivitas baru guna products and activities to ensure compliance with
memastikan kepatuhannya terhadap peraturan the prevailing laws and regulations.
dan perundang-undangan yang berlaku.
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Risiko Reputasi Reputation Risk

Risiko reputasi dapat timbul akibat adanya Reputational risk may arise as a result of negative
pemberitaan negatif yang menyangkut operasional news regarding the Bank’s operations, or negative
Bank, atau persepsi negatif tentang Bank. perceptions about the Bank.
Dalam rangka memenuhi kebutuhan akan In order to meet the need for adequate reputation risk
pengelolaan risiko reputasi yang memadai, Bank management, the Bank, among others, has a Contact
antara lain memiliki unit kerja Contact Center untuk Center unit to provide banking information services
memberikan layanan informasi perbankan serta and receive customer complaints/ complaints.
menerima keluhan/pengaduan nasabah, Corporate Information concerning the Bank’s activities conveyed
Secretary memberikan informasi yang perlu to the public/stakeholders by the Corporate Secretary
disampaikan kepada publik/stakeholders terkait and Bank officers at branch offices at any time.
aktivitas Bank, serta petugas Bank di kantor-kantor
cabang yang setiap saat dapat memberikan informasi
kepada nasabah.
Selain itu, pengendalian risiko reputasi juga In addition, reputation risk control carried out, among
dilakukan melalui pemantauan yang dilakukan others, through monitoring by the Corporate Secretary
oleh Unit Kerja Corporate Secretary terhadap berita Unit on news related to Bank Sinarmas in the mass
yang berkaitan dengan Bank Sinarmas di media media. The Bank actively carried out Corporate Social
massa. Bank juga secara aktif melakukan Corporate Responsibility in the fields of education and health.
Social Responsibility yang dilaksanakan di bidang
pendidikan dan kesehatan.
Bank telah menerapkan prinsip transparansi dalam In compliance with the regulatory provisions
tata cara penanganan pengaduan nasabah dan concerning Customer Complaints and Banking
penyelesaian sengketa kepada kantor cabang/unit Mediation, including in the event of a crisis, the Bank
kerja serta kepada nasabah. Hal itu sesuai dengan implemented the principle of transparency in the
ketentuan regulator tentang Pengaduan Nasabah procedures for handling customer complaints and
dan Mediasi Perbankan, termasuk dalam hal apabila resolving disputes in branch offices/division as well as
terjadi krisis. with customers.
Bank telah memiliki sistem informasi manajemen The Bank has a management information system for
untuk pencatatan dan administrasi pengaduan recording and administering customer complaints,
nasabah, terutama terkait dengan pengaduan especially those related to complaints regarding the
mengenai produk dan layanan Bank. Aplikasi ini Bank’s products and services. This application helps
membantu Bank untuk menyelesaikan pengaduan the Bank to resolve complaints properly according to
dengan baik sesuai Service Level Agreement (SLA). the Service Level Agreement (SLA).
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Transparansi produk yang ditawarkan kepada Transparency of products offered to customers is

nasabah sesuai dengan ketentuan regulator in accordance with regulatory provisions regarding
mengenai transparansi produk melalui website Bank, product transparency through the Bank’s website,
serta upaya peningkatan standar layanan nasabah as well as efforts to improve customer service
dengan melakukan training service excellence kepada standards by conducting service excellence training
petugas Bank. Selain itu, Bank memiliki unit kerja for Bank officers. In addition, the Bank has a Service
Service Quality yang bertugas untuk memastikan Quality division whose job ensured the quality of
kualitas pelayanan yang diberikan oleh petugas bank service provided by bank officers to customers is in
kepada nasabah sudah sesuai dengan standar yang accordance with the set standards.
ditetapkan.
Untuk memastikan pelayanan yang berkualitas, Tin order to ensure quality services, branches carried
cabang melakukan role play minimal 1 (satu) minggu out role play at least once a week as well as Mystery
sekali serta Mystery Call yang berkoordinasi dengan Call which coordinated with Service Quality division,
unit kerja Service Quality, Mystery Shopper yang Mystery Shopper carried out by Service Quality division
dilakukan oleh unit kerja Service Quality maupun and officers appointed by the division. In addition,
petugas yang ditunjuk oleh unit kerja tersebut. Selain through the Service Quality unit, the Bank conducted
itu, melalui unit Service Quality, Bank juga melakukan socialization related to policies in the service sector.
sosialisasi terkait kebijakan di bidang layanan.
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UNIT LEGAL
LEGAL UNIT
Seiring berjalannya waktu, tingkat kompleksitas Over time, the level of business complexity at Bank
bisnis Bank Sinarmas makin tinggi. Oleh karena Sinarmas increases. Therefore, the legal work unit
itu, unit kerja legal senantiasa berupaya untuk always strives to identify and mitigate legal risks that
mengidentifikasi dan memitigasi risiko hukum yang may and/or arise in connection with the Company’s
mungkin dan/atau timbul sehubungan dengan business activities.
kegiatan usaha Perseroan.
Unit kerja legal berada di bawah Direktorat The legal work unit is under the Compliance & Risk
Compliance & Risk Management bersama dengan Management Directorate along with several other
beberapa unit kerja lainnya. Fungsi yang dijalankan work units. The functions that this unit performs are
unit ini sangat penting, antara lain: very important, among others:
1. Tindakan Pencegahan (Preventif) 1. Precaution (Preventive) Actions

a. Legal Reviu a. Legal Review
Identifikasi risiko hukum dalam rangka Identification of legal risks in the context of the
tindakan dan keputusan yang diambil oleh actions and decisions taken by the Company,
Perseroan, baik dalam rangka pemberian both in the context of granting loab facilities, as
fasilitas kredit, maupun kerja sama dengan well as cooperation with other parties.
pihak lain.
b. Legal Advice b. Legal Advice
Diskusi interaktif dengan seluruh unit kerja Interactive discussions with all the working
Perseroan dalam rangka pemberian opini units of the Company in the framework of the
hukum dan bantuan hukum secara langsung provision of legal opinions and legal assistance
terhadap permasalahan hukum yang terjadi di directly to legal issues in the field.
lapangan.
c. Legal Awareness c. Legal Awareness
Dalam rangka meningkatkan legal awareness In order to increase legal awareness in all
di seluruh cabang Bank Sinarmas, unit legal branches of Bank Sinarmas, the legal unit
melakukan Action Plan tahunan bersama- perform annual Action Plan together with
sama dengan UKPN, Service Quality dan Anti- UKPN, Service Quality, and Anti-Fraud through
Fraud melalui pemberian materi pengantar the provision of basic legal introductory
hukum dasar dan pembahasan legal cases material and discussion of legal cases faced by
yang dihadapi oleh setiap cabang. Pembekalan every branch. Training basic legal knowledge is
pengetahuan hukum dasar ini diberikan provided to officials from operations (Regional
kepada pejabat-pejabat operasional (Regional Operations Manager, Head of Operation,
Operation Manager, Head of Operation, Supervisor, Branch Internal Control, Teller, and
Supervisor, Branch Internal Control, Teller, Customer Service). These officials are expected
Customer Service). Pejabat-pejabat tersebut to have the competence and understanding
diharapkan dapat memiliki kompetensi of the basic laws that are strong enough to be
dan pemahaman hukum dasar yang cukup able to mitigate or minimize the onset of legal
kuat untuk dapat memitigasi ataupun issues.
meminimalisasi timbulnya permasalahan
hukum.
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BANK 2021
d. Legal Knowledge d. Legal Knowledge

Unit kerja legal bekerja sama dengan Learning The legal work unit in collaborates with the
Center untuk memberikan materi pembekalan Learning Center to provide briefing material
mengenai hukum dan permasalahannya about the law and its issues to the participants
kepada peserta Management Development of the Management Development Program
Program (MDP) dan Corporate Banking (MDP) and Corporate Banking Development
Development Program (CBDP). Selain itu, Program (CBDP). In addition, the legal unit also
unit kerja legal juga memberikan materi pada provides material at refreshment trainings that
training refreshment yang dilakukan bersama are conducted jointly with other work units.
dengan unit kerja lainnya.
2. Melakukan Reviu Kinerja Pihak Ketiga 2. Review the Performance of Third Parties
Unit Legal melakukan reviu secara berkala The Legal Unit periodically reviews the performance
terhadap kinerja Pihak Ketiga dalam penyelesaian of third party in settlement of loan documents and
dokumen kredit dan dokumen terkait lainnya. other relevant documents.
3. Membina Hubungan Baik Unit Legal senantiasa 3. Establish Good Relations
mengedepankan hukum dan menjalin hubungan The Legal Unit always prioritize law and establish
baik dengan instansi dan regulator dalam good relationships with other agencies and
rangka penegakan hukum atas penanganan regulators in the framework of law enforcement
permasalahan hukum yang dihadapi oleh Bank on the handling of legal issues faced by Bank
Sinarmas. Sinarmas.
4. Penguatan Kompetensi Personel 4. Strengthening Competence
Unit Legal Bank Sinarmas dipilih berdasarkan latar Legal unit personnel of Bank Sinarmas are selected
belakang pendidikan hukum (minimal S1 Hukum). based on legal education background (minimum
Upaya penguatan dan pengingkatan profesi Bachelors Degree in Law). Efforts to strengthen
legal terus dilakukan oleh Perseroan, dengan and improve the legal profession continue to
melakukan workshop atau training secara berkala. be carried out by the Company, by conducting
Salah satu bentuk penguatan kompetensi adalah regular workshops or trainings. One of the forms
melakukan rapat kerja setiap tahun dengan of competency strengthening is by holding annual
seluruh legal kantor wilayah dan mengundang work meetings with all legal units of regional offices
unit kerja Corporate Secretary, unit kerja Loan and inviting the Corporate Secretary work unit, the
Recovery dan unit kerja terkait lainnya. Dalam Loan Recovery work unit, and other related work
rapat kerja tersebut turut diundang Pengacara dan units. At the work meeting, lawyers and notaries
Notaris untuk memberikan pandangan hukum were invited to provide legal views and discussions
serta diskusi untuk menambah pengetahuan to increase knowledge about the dynamics of the
mengenai dinamika hukum yang terjadi. law.
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PERKARA HUKUM
LEGAL CASE
Selama tahun 2021 Bank Sinarmas menghadapi During 2021, Bank Sinarmas faced civil legal issues
permasalahan hukum secara perdata dengan with the Bank as the defendant. Civil cases faced by
Bank sebagai pihak tergugat. Perkara Perdata yang Bank Sinarmas, among others, occurred due to the
dihadapi oleh Bank Sinarmas antara lain terjadi settlement of bad debts and the rescue of collateral,
karena penyelesaian kredit macet dan penyelamatan with the number of cases described in the table below.
agunan, dengan jumlah perkara dijelaskan melalui
tabel di bawah ini.
Permasalahan Hukum Perdata (Bank sebagai Tergugat)

Legal Issue Civil (Bank as Defendant)
Unit Usaha Konvensional Unit Usaha Syariah

Business unit Conventional Sharia Business Unit
Tahun
2021 2020 2021 2020
Year
Perkara yang telah Selesai (Mempunyai Kekuatan Hukum Tetap) 2 10 1 0

Cases that have been Resolved (Having Binding Legal Force)
Perkara dalam Proses Penyelesaian 3 2 2 0

Cases in the Process of Settlement
Permasalahan hukum yang dihadapi Bank tidak The legal problems faced by the Bank do not have a
memberikan pengaruh signifikan terhadap kondisi significant impact on the condition of the Bank.
Bank.
Perkara Hukum yang Dihadapi Legal Cases Faced by the

Direksi dan Dewan Komisaris Board of Directors and Board of
Commissioners
Dewan Komisaris maupun anggota Direksi Bank The Board of Commissioners and members of the
Sinarmas tidak menghadapi perkara hukum baik Board of Directors of Bank Sinarmas did not face any
perdata maupun pidana sepanjang tahun 2021. legal cases, both civil and criminal throughout 2021.
Permasalahan Hukum Perdata Pidana

Legal Issues Civil Criminal
Perkara yang Telah Selesai (Mempunyai Kekuatan Hukum Tetap) - -

Cases that have been Resolved (Having Binding Legal Force)
Perkara Dalam Proses Penyelesaian (posisi Desember 2021) - -

Cases in the Process of Settlement (as of December 2021)
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BANK 2021
Sanksi Administratif Administrative Sanctions

Sepanjang tahun 2021, tidak ada sanksi administratif During 2021, there were no administrative sanctions
terhadap Bank, anak perusahaan, Dewan Komisaris against the Bank, its subsidiaries, the Board of
maupun Direksi. Commissioners, and Board of Directors.
KETERBUKAAN INFORMASI
DISCLOSURE OF INFORMATION
Bank Sinarmas mengedepankan keterbukaan Bank Sinarmas prioritizes disclosure of information

informasi kepada publik sebagai bentuk komitmen to the public as a form of the Bank's commitment to
Bank dalam menjalankan prinsip Tata Kelola. Bank implementing Good Corporate Governance principles.
Sinarmas memiliki kewajiban menyampaikan Bank Sinarmas has the obligation to convey disclosure
keterbukaan informasi kepada publik sebagai of information to the public, to the extent determined
perusahaan terbuka sesuai ketentuan peraturan by laws and regulations.
perundang-undangan.
Bank Sinarmas telah memenuhi kewajiban The Bank has fulfilled these obligations during 2021,
keterbukaan informasi sepanjang tahun 2021, baik which were conveyed through the mass media,
melalui media massa, sistem pelaporan elektronik electronic reporting systems to the Financial Services
kepada Otoritas Jasa Keuangan (OJK), Bursa Efek Authority (OJK), Indonesia Stock Exchange (IDX), Bank
Indonesia (BEI), situs web Bank Sinarmas, serta Sinarmas website, as well as submitting periodic and
menyampaikan laporan secara berkala maupun incidental reports to regulators.
insidentil kepada regulator.
Rincian Pelaksanaan Keterbukaan Informasi

Details of Disclosure of Information Implementation
Perihal Keterangan Jumlah

Subject Description Amount
Keterbukaan Informasi terkait Waran Seri III Insidentil 2

Incidental
Laporan Bulanan Registrasi Pemegang Efek Rutin 12

Monthly Report on Securities Holder Registration Regular
Laporan data Hutang Valuta Asing Rutin 12

Data on Debt in Foreign Exchange Regular
Laporan Hasil Penggunaan Dana Hasil Penawaran Umum Rutin 2

Report on the Proceeds from Public Offering Regular
Laporan Tahunan Rutin 1

Annual Report Regular
Laporan Keuangan Interim dan Long Form Rutin 3

Interim and Long Form Financial Reports Regular
Publikasi Laporan Interim Rutin 3

Publication of Interim Reports Regular
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AKSES INFORMASI DAN DATA PERSEROAN

ACCESS TO CORPORATE INFORMATION AND DATA
Sejalan dengan komitmen keterbukaan informasi In line with the commitment to information disclosure
yang telah dijalankan, Bank Sinarmas selalu that has been carried out, Bank Sinarmas always
memperbarui dan memberikan kemudahan akses updates and provides easy access to information
informasi mengenai aktivitas dan kinerja Bank kepada regarding the activities and performance of the Bank
para pemangku kepentingan. Bank menyediakan to stakeholders. Bank Sinarmas provides several
beberapa sarana yang berfungsi sebagai saluran facilities that function as channels for disclosure of
pengungkapan informasi, melalui berbagai media information through various media, such as websites,
seperti situs web, media massa, situs resmi BEI, dan mass media, IDX official sites, and others.
sebagainya agar pemangku kepentingan mengetahui
kondisi Bank secara jelas dan terbuka.
Akses Informasi dan data Bank difasilitasi melalui: Access to Bank information and data is facilitated
through:
Situs web : www.banksinarmas.com Website : www.banksinarmas.com
Call Center : 1500153; (021) 501 88888 Call Center : 1500153; (021) 501 88888
Customer Care : care@banksinarmas.com Customer Care : care@banksinarmas.com
E-mail Corporate Secretary: e-mail Corporate Secretary:
corporate.secretary@banksinarmas.com corporate.secretary@banksinarmas.com
Media Sosial Social Media

Bank Sinarmas memiliki dan mengelola akun Bank Sinarmas owns and manages social media
media sosial sebagai saluran komunikasi untuk accounts as a communication channel to convey
menyampaikan informasi terkait aktivitas Bank information related to the Bank's activities such
seperti brand, promo produk, tips, serta informasi as brands, product promotions, tips, and other
lainnya, yaitu: information, namely:
Facebook : Bank Sinarmas Facebook : Bank Sinarmas
Twitter : @BankSinarmas Twitter : @BankSinarmas
Instagram : BankSinarmas Instagram : BankSinarmas
Youtube : Bank Sinarmas Youtube : Bank Sinarmas
LinkedIn : Bank Sinarmas LinkedIn : Bank Sinarmas
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BANK 2021
Untuk membantu nasabah mendapatkan kejelasan To help customers get clear information and
informasi dan bantuan apabila menghadapi kendala assistance when facing obstacles in conducting
dalam melakukan transaksi perbankan, Bank banking transactions, Bank Sinarmas also provides
Sinarmas juga menyediakan media sosial Digital Bank Sinarmas Digital Banking social media, as
Banking Bank Sinarmas, sebagai berikut: follows:
Facebook : Digital Banking Bank Sinarmas Facebook : Digital Banking Bank Sinarmas
Twitter : @DB_Sinarmas Twitter : @DB_Sinarmas
Instagram : DB_Sinarmas Instagram : DB_Sinarmas
SISTEM PELAPORAN PELANGGARAN

WHISTLEBLOWING SYSTEM
Sebagai bagian dari pelaksanaan tata kelola As part of the implementation of corporate
perusahaan, Bank Sinarmas telah menerapkan governance, Bank Sinarmas has implemented a
sistem pelaporan pelanggaran atau Whistleblowing Whistleblowing System (WBS) within the Bank. WBS
System (WBS) di lingkungan Bank. WBS menjadi is a communication channel for the Bank's internal
saluran komunikasi bagi pihak internal Bank untuk parties to report acts/behavior/events related to
melaporkan perbuatan/perilaku/kejadian yang acts of fraud, violations of the law, Collective Labor
berhubungan dengan tindakan fraud, pelanggaran Agreements, codes of ethics, other Bank Sinarmas
terhadap hukum, Perjanjian Kerja Bersama, kode internal policies, and/or conflicts of interest committed
etik, kebijakan internal Bank Sinarmas lainnya, dan/ by actors within the Bank Sinarmas. Complaints
atau benturan kepentingan yang dilakukan oleh must be based on good faith and not be a personal
pelaku di internal Bank Sinarmas. Pengaduan harus complaint or based on bad faith/slander.
berdasarkan itikad baik dan bukan merupakan
keluhan pribadi ataupun didasari itikad buruk/fitnah.
Bank Sinarmas telah memiliki kebijakan penerapan Bank Sinarmas already has a whistleblowing policy
whistleblowing yang disahkan dalam Surat which was ratified in Decree No.013/2017/DIR1-DAF
Keputusan No.013/2017/DIR1-DAF tanggal 27 Oktober dated 27 October 2017. In implementing the WBS,
2017. Dalam penerapan WBS, Bank juga berpedoman the Bank is also guided by the regulations of Bank
pada peraturan Bank Indonesia maupun Otoritas Indonesia and the Financial Services Authority,
Jasa Keuangan, POJK No.39/POJK.03/2019 tanggal POJK No.39/POJK.03 /2019 dated December 19, 2019
19 Desember 2019 tentang Penerapan Strategi Anti regarding the Implementation of Anti-Fraud Strategy
Fraud bagi Bank Umum. for Commercial Banks.
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2021 BANK
Tujuan dan Manfaat Whistleblowing Objective and Benefit of the

System Whistleblowing System
Tujuan Objectives
• Sebagai sarana bagi pelapor untuk melaporkan • As means for whistleblowers to report fraud action
tindakan fraud, pelanggaran kode etik, kebijakan violations of the code of ethics, other internal
internal Bank Sinarmas lainnya tanpa rasa takut policies of Bank Sinarmas without fear or worry as
atau khawatir karena dijamin kerahasiaannya. the confidentiality is guaranteed.
• Agar fraud yang terjadi dapat dideteksi dan • In order to immediately detect and prevent fraud
dicegah sedini mungkin. from occurring.
Manfaat Benefits
• Tersedianya cara penyampaian informasi penting • Availability of means of submitting crucial and
dan kritis bagi perusahaan kepada pihak yang critical information for the company to parties that
harus segera menanganinya secara aman. must handle it safely.
• Tersedianya mekanisme deteksi dini (early • The availability of an early warning system for
warning system) atas kemungkinan terjadinya possible issues that may arise due to a violation.
masalah akibat suatu pelanggaran.
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BANK 2021
Cara Penyampaian Laporan How to Submit a Violation Report

Pelanggaran
Pelapor pelanggaran baik dari pihak internal maupun Whistleblowers from both internal and external
eksternal Bank dapat menyampaikan pelaporan parties of the Bank can submit reports through the
melalui sarana pengaduan dengan memenuhi complaint facility by complying with the reporting
ketentuan pelaporan. requirements.
A. Sarana Pengaduan A. Complaint Facility

Bank Sinarmas menyediakan formulir pengaduan Bank Sinarmas provides a complaint form that can be
yang dapat diunduh pada halaman situs web Bank downloaded on the Bank's website page https://www.
https://www.banksinarmas.com/id/informasiumum/ banksinarmas.com/id/informasiumum/tatakelola/
tatakelola/whistle-blowingsystem. Sarana pengaduan whistle-blowing-system.
lain dapat melalui e-mail, Whatsapp maupun telepon
sebagai berikut:
e-mail : infokan@banksinarmas.com e-mail : infokan@banksinarmas.com
Whatsapp : 0881 1500 153 Whatsapp : 0881 1500 153
Telepon : 0881 1500 153 Telepon : 0881 1500 153
SMS : 0881 1500 153 SMS : 0881 1500 153
B. Hal-Hal yang Harus Dipenuhi oleh Pelapor B. Matters that Needs to be Fulfilled by the
Whistleblower
Untuk mempermudah dan mempercepat proses In order to simplify and accelerate the follow-up
tindak lanjut, pelapor harus memenuhi hal-hal berikut process, the following are matters that must be
ini dalam menyampaikan pengaduannya. fulfilled by the whistleblower in submitting his/her
complaint.
1. Memberikan informasi mengenai identitas diri 1. Provide information on the identity of the
pelapor untuk memudahkan komunikasi dengan whistleblower to facilitate communication with
pelapor, sekurang-kurangnya: the whistleblower, at least:
a. Nama pelapor (diperbolehkan menggunakan a. Name of whistleblower (allowed to use
anonim). anonymous).
b. Nomor telepon/alamat e-mail yang dapat b. Telephone number/e-mail address that can be
dihubungi. contacted.
2. Harus memberikan indikasi awal yang dapat 2. Must provide a reliable early indication (3W and
dipertanggungjawabkan (3W& 1H) yang meliputi: 1H), which includes:
a. Indikasi/fakta penyimpangan atau pelanggaran a. Indications/facts of irregularities or violations
yang terjadi (What). occurring (What).
b. Pihak yang diindikasikan sebagai pelaku dan/ b. Parties indicated as perpetrators and/or parties
atau pihak yang terlibat (Who). involved (Who).
c. Kapan dan di mana terjadinya (When). c. When and where the violation occurred (When).
d. Modus/cara yang digunakan (How). d. Modes/means used (How).
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2021 BANK
e. Potensi kerugian yang diderita oleh Bank e. Potential losses suffered by the Bank (for cases
(untuk kasus yang melibatkan aspek finansial). involving financial aspects).
f. Keterangan/informasi lain yang dianggap f. Other description/information deemed
perlu, seperti adanya perubahan sikap/ necessary, such as a change in attitude/
perilaku/gaya hidup maupun tingkat konsumsi behavior/lifestyle or consumption level that is
yang diduga atau patut diduga menunjukkan suspected or reasonably suspected to indicate
ketidakwajaran sesuai dengan kemampuan irregularity in accordance with the employee’s
karyawan tersebut. ability.
3. Laporan yang disampaikan harus berhubungan 3. Reports submitted must relate to:
dengan:
a. Pelanggaran yang dapat menimbulkan a. Violations that can cause financial and non-
kerugian finansial maupun non-finansial. financial losses.
b. Pelanggaran hukum. b. Legal violations.
c. Pelanggaran Perjanjian Kerja Bank Sinarmas. c. Violations of Bank Sinarmas Work Agreement.
d. Pelanggaran Peraturan Perusahaan. d. Violations of Company Regulations.
e. Pelanggaran kode etik. e. Violations of the code of ethics.
f. Pelanggaran kebijakan internal Bank Sinarmas f. Violations of other Bank Sinarmas internal
lainnya. policies.
g. Pelanggaran benturan kepentingan. g. Violation of conflicts of interest.
h. Pelanggaran lainnya yang dapat dipersamakan h. Other violations thereto.
dengan itu.
Perlindungan bagi Pelapor Protection for Whistleblower

Bank Sinarmas akan memberikan perlindungan Bank Sinarmas will provide protection to the
terhadap pelapor yang meliputi: whistleblower, which includes:
1. Jaminan kerahasiaan identitas pelapor dan isi 1. Guarantee the anonymity of the whistleblower
laporan yang disampaikan. and content of the reports submitted.
2. Jaminan perlindungan terhadap perlakuan yang 2. Guarantee protection against adverse treatment
merugikan pelapor. to the whistleblower.
3. Jaminan perlindungan dari kemungkinan 3. Guarantee protection from possible acts of
adanya tindakan ancaman, intimidasi, hukuman threats, intimidation, punishment, or other
ataupun tindakan tidak menyenangkan lainnya unpleasant actions from the party reported.
dari pihak terlapor.
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Internal Fraud Bank
Jumlah Kasus yang Dilakukan oleh:

Number of Cases Committed by:
Dewan Komisaris/
Pegawai Tidak
Direksi Pegawai Tetap
Internal Fraud Tetap
Board of Permanent
Non-Permanent
Commissioners/ Employees
Employees
Board of Directors
2021 2020 2021* 2020 2021 2020
Jumlah fraud | Total fraud 0 0 3 12 0 2
Telah diselesaikan | Completed 0 0 3 12 0 2
Dalam Proses penyelesaian internal 0 0 0 0 0 0

In the Process of Internal Settlement
Belum diupayakan penyelesaiannya 0 0 0 0 0 0

No attempted resolution
Telah ditindaklanjuti melalui proses hukum 0 0 0 0 0 0

Has been followed up through legal process
Pengelola Pengaduan Management of Complaint

Bank Sinarmas telah menunjuk Whistleblowing Bank Sinarmas has appointed a Whistleblowing
Officer (WO), yaitu petugas yang ditunjuk secara Officer (WO), namely an officer specifically appointed
khusus oleh Direktur Utama untuk mengelola dan by the President Director to manage and analyze
menganalisa pengaduan/pelaporan yang masuk. incoming complaints/reports.
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Penanganan Pengaduan Complaint Handling
BAGIAN ALUR PELAPORAN PELANGGARAN

Flow Chart of Violation Reporting
LAPORAN MENERIMA STATUS

PENYELIDIKAN
PELANGGARAN LAPORAN LAPORAN
Investigation
Violation Reporting Receive Report Report Status
Pelapor/whistleblower melakukan laporan pelanggaran The whistleblower/whistleblower reports the violation

melalui sarana pengaduan. Whistleblowing Officer through the complaint facility. The Whistleblowing
(WO) bertugas untuk menerima, menganalisa, Officer (WO) is tasked with receiving, analyzing,
menindaklanjuti dan memonitor laporan tersebut. WO following up and monitoring the report. WO will
akan meminta data tambahan kepada pelapor jika request additional data from the complainant if
diperlukan. WO memastikan data yang disampaikan needed. WO ensures that the data submitted is
sudah memadai dan memenuhi kriteria. adequate and meets the criteria.
Selanjutnya, WO berkoordinasi dengan Divisi Anti Furthermore, the WO coordinates with the Anti-Fraud
Fraud, Satuan Kerja Audit Internal, Divisi IT, Divisi HCM Division, Internal Audit Unit, IT Division, HCM Division,
dan Kantor Cabang. Dalam waktu maksimal 3 (tiga) and Branch Offices. The duties and responsibilities of
hari kerja laporan pengaduan wajib sudah diberikan each work unit have been clearly regulated, starting
kepada unit kerja terkait. Setiap unit kerja memiliki from the initial detection stage to the settlement of
tugas dan tanggung jawab untuk melakukan deteksi cases of fraud or other irregularities.
awal, investigasi, validasi sampai dengan penyelesaian
atas kasus kecurangan ataupun penyimpangan
lainnya.
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BANK 2021
WO akan memberikan informasi terkait status The Whistleblowing Officer will provide information
perkembangan pelaporan yang telah diteruskan ke regarding the status of the reporting progress, which
Unit kerja Investigasi kepada pelapor. Perkembangan has been forwarded to the Investigation unit to the
informasi yang diberikan Unit Kerja Investigasi reporter. The progress of the information is provided
selambat-lambatnya 1 bulan sejak tanggal pelaporan. by the Investigation Unit no later than 1 month
WO wajib melakukan monitoring dan melaporkan from the reporting date. The Whistleblowing Officer
jumlah pengaduan yang masuk setiap bulannya is required to monitor and report the number of
kepada Direktur Utama dengan tembusan kepada complaints submitted each month to the President
Direktur Kepatuhan. Selain itu, WO juga wajib Director with a copy to the Compliance Director. In
melakukan dokumentasi penerimaan pelaporan addition, the whistleblowing officer is also required
dengan tertib dan rahasia. to document the receipt of reports in an orderly and
confidential manner.
Divisi Anti Fraud akan menyampaikan laporan The Anti Fraud Division will submit a report on the
hasil penanganan pengaduan kepada manajemen results of handling complaints to management
berisi kesimpulan, rekomendasi perbaikan sistem containing conclusions, recommendations for
pengendalian intern jika dinilai masih terdapat improving the internal control system if it is
kelemahan, serta rekomendasi pemberian assessed that there are still weaknesses, as well as
sanksi kepada petugas terkait kelemahan yang recommendations for providing sanctions to officers
ditimbulkan. Penanganan dari kasus yang dilaporkan related to the weaknesses caused. The handling of
bertujuan untuk memperkuat sistem pengendalian reported cases aims to strengthen the internal control
intern dan memotivasi seluruh pihak/karyawan system and motivate all parties/employees to avoid
untuk menghindari kegiatan/transaksi yang activities/transactions that may potentially/have a
dapat berpotensi/berakibat merugikan maupun detrimental effect or disrupt the Bank's operations.
mengganggu operasional Bank.
Hasil dari Penanganan Result of Complaint Handling

Pengaduan
1. Jumlah Pengaduan 1. Number of Complaints
Sepanjang tahun 2021, Bank menerima 3 laporan During 2020, the Bank received 3 reports of violation
pengaduan pelanggaran yang masuk melalui complaints received through the Whistleblowing
saluran Whistleblowing System, baik melalui System channel, either by telephone, e-mail,
telepon, e-mail, WhatsApp, dan Line. Rinciannya WhatsApp, and Line. The details are provided in
disampaikan dalam tabel di bawah ini. the following table.
2. Tindak Lanjut 2. Follow-up
Bank telah melakukan investigasi atas 3 laporan The Bank has investigated 3 reports of internal
internal fraud dan seluruhnya tidak diproses fraud and all of them were not legally processed.
secara hukum.
Bank juga menindaklanjuti laporan selain The Bank also follows up on reports other than
kecurangan, yaitu mengenai permohonan fraud, namely regarding requests for mediation
mediasi oleh pelapor kepada karyawan Bank by reporters to Bank employees and violations of
dan pelanggaran kode etik & tingkah laku yang the code of ethics & behavior by employees. The
dilakukan karyawan. Pelapor telah dibantu untuk whistleblower has been assisted to mediate with
mediasi dengan karyawan yang dimaksud, sedang the employee in question, while the employee
karyawan yang diduga melakukan pelanggaran suspected of violating the code of ethics and
kode etik dan tingkah laku telah diberikan behavior has been given guidance.
pembinaan.
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KODE ETIK DAN PEDOMAN TINGKAH LAKU

CODE OF ETHICS AND CODE OF CONDUCT
Kode Etik dan Pedoman Tingkah Laku merupakan The Code of Ethics and Code of Conduct are
pedoman dasar dalam bersikap dan bertindak yang formulations of attitudes and behaviors that are
dibuat berdasarkan prinsip-prinsip yang mengacu mutually agreed upon by all levels of the company
pada visi, misi dan nilai perusahaan, dan disepakati and as part of Bank Sinarmas policies. All decisions
bersama seluruh jajaran perusahaan. Semua and actions taken on behalf of the company adhere
keputusan dan tindakan yang diambil atas nama to personal high standards and professional integrity
perusahaan mengikuti standar integritas pribadi dan in all aspects of action and in accordance with the
profesional yang luhur dalam semua segi tindakan applicable laws and regulations.
dan menurut ketentuan perundang-undangan yang
berlaku.
Kode etik dan pedoman tingkah laku Bank Sinarmas The code of ethics and code of conduct of Bank
dijabarkan dalam Kode Etik dan Pedoman Tingkah Sinarmas is described in the Code of Ethics and
Laku Versi 2.0 yang dibuat oleh Divisi Human Code of Conduct Version 2.0 prepared by the
Capital System & Strategy dengan tangggal efektif Human Capital System & Strategy Division with an
pelaksanaan 1 Maret 2020. Dokumen ini telah effective implementation date of March 1, 2020. This
dipublikasikan dalam situs web Bank. https://www. document has been published on the Bank's website.
banksinarmas.com/id/informasiumum/tatakelola/ https://www.banksinarmas.com/id/informationum/
terkait-etik-pedoman tatakelola/terkait-etik-pedoman
Pokok-pokok Kode Etik dan Principles of the Code of Ethics and

Pedoman Tingkah Laku Code of Conduct
Bank Sinarmas menguraikan secara ringkas prinsip, The Code of Ethics and Code of Conduct of Bank
kebijakan dan peraturan yang mengatur kegiatan Sinarmas briefly outlines the principles, policies,
Perseroan yang harus ditaati oleh para karyawan and regulations governing the Company’s activities
dan pihak lain yang bekerja dengan Bank atau yang that must be adhered to by employees and other
mewakili Bank secara langsung atau tidak langsung parties working with the Bank or representing the
sebagaimana tertuang dalam Surat Keputusan No. Bank directly or indirectly as stated in Decree No. SK.
SK.015/2020/PRESDIR-HCSS tentang Kode Etik dan 015/2020/PRESDIR-HCSS on the Code of Ethics and
Pedoman Tingkah Laku. Kode Etik dan Pedoman Code of Conduct. The Code of Ethics and Code of
Tingkah Laku Bank Sinarmas terdiri dari 9 (sembilan) Conduct of Bank Sinarmas consists of 9 (nine) parts,
bagian, yaitu: namely:
1. Hubungan dengan Perusahaan 1. Relationship with the Company
2. Hubungan dengan Nasabah 2. Relationship with Customers
3. Hubungan dengan Rekanan (pemasok/suppliers, 3. Relationship with Partners (suppliers, vendors,
vendor, konsultan) consultants)
4. Hubungan dengan Pesaing 4. Relationship with Competitors
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BANK 2021
5. Hubungan dengan Pemegang saham 5. Relationship with Shareholders

6. Hubungan dengan Regulator 6. Relationship with Regulators
7. Hubungan dengan Stakeholder lainnya 7. Relationship with other Stakeholders
8. Penerimaan dan pemberian hadiah/bingkisan/ 8. Receiving and giving of gifts/gifts/souvenir/
kompensasi/hiburan (entertainment) entertainment
9. Pelaporan atas pelanggaran dan potensi 9 Reporting of violations and potential violations.
pelanggaran.
Bentuk Sosialisasi Kode Etik dan Forms of Socialization of the Code of

Upaya Penegakannya Ethics and Efforts to Enforce it
1. Kode Etik dan Pedoman Tingkah Laku 1. Code of Ethics and Code of Conduct
Bank Sinarmas senantiasa melakukan sosialisasi Bank Sinarmas always disseminates the
terhadap penerapan Kode Etik dan Pedoman implementation of the Code of Ethics and
Tingkah Laku kepada top management sampai Code of Conduct to top management up to the
dengan level operasional melalui berbagai media operational level through various media owned
yang dimiliki Perseroan, termasuk pemanfaatan by the Company, including the use of information
melalui media teknologi informasi yang dapat technology media that can be accessed by all
diakses oleh semua karyawan dengan mudah employees easily at any time. Bank Sinarmas
setiap saat. Bank Sinarmas menyampaikan submits the Decree of the Board of Directors
Surat Keputusan Direksi tentang Kode Etik regarding the Code of Ethics and Code of Conduct
dan Pedoman Tingkah Laku melalui situs web through the Company's website, e-learning
Perseroan, platform e-learning, dan portal Bank platform, and the Bank Sinarmas portal.
Sinarmas.
Di samping itu setiap karyawan yang baru In addition, every newly joined employee is
bergabung diwajibkan untuk membaca, required to read, understand and give approval to
memahami dan memberikan persetujuan atas the Code of Ethics and Code of Conduct through
Kode Etik dan Pedoman Tingkah Laku melalui the e-learning platform.
platform e-learning.
2. Jenis Sanksi untuk Setiap Pelanggaran Kode Etik 2. Types of Sanctions for Any Violation of the Code of
dan Pedoman Tingkah Laku Bank Sinarmas determines the appropriate type
Bank Sinarmas menetapkan jenis sanksi yang of sanction for each violation of the Code of Ethics
sesuai untuk setiap pelanggaran Kode Etik dan and Code of Conduct. Sanctions can be in the
Pedoman Tingkah Laku. Sanksi dapat berupa form of warning letters that are given sequentially
Surat Peringatan yang diberikan secara berurutan or the first and last warning letters that lead to
maupun Surat Peringatan Pertama dan Terakhir termination of employment (PHK) in accordance
yang berujung kepada Pemutusan Hubungan with the applicable laws and regulations.
Kerja (PHK) sesuai dengan ketentuan dan
perundang-undangan yang berlaku.
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2021 BANK
Para pihak yang dirugikan baik langsung maupun The parties who are harmed either directly or
tidak langsung akibat penyalahgunaan wewenang indirectly due to abuse of authority and violations
dan pelanggaran Kode Etik dan Pedoman Tingkah of the Code of Ethics and Code of Conduct by
Laku oleh pengusaha dan/atau karyawan dapat employers and/or employees can submit it
menyampaikannya melalui mekanisme yang through a mechanism that has been regulated in
telah diatur dalam bagian tersendiri dalam kode a separate section of the code of ethics and code of
etik dan pedoman tingkah laku. conduct.(Diedit)Pulihkan teks asli
KODE ETIK DAN PEDOMAN THE CODE OF ETHICS AND CODE

TINGKAH LAKU BERLAKU BAGI OF CONDUCT APPLY TO ALL
SELURUH LEVEL LEVELS OF THE ORGANIZATION
Kode etik dan Pedoman Tingkah Laku berlaku bagi The code of ethics and Code of Conduct apply to all
seluruh level organisasi Bank, mulai dari Dewan employees of the Company, starting from the Board of
Komisaris, Direksi, dan seluruh karyawan sebagai Commissioners, Board of Directors, and all employees
budaya kerja dalam aktivitas operasional sehari-hari. as a work culture in their daily operational activities.
Manajemen Bank Sinarmas bertanggung jawab The management of Bank Sinarmas is responsible
dan memberi keteladanan bagi bawahannya untuk and provides an example for its subordinates to
menerapkan Kode Etik dan Pedoman Tingkah Laku. implement the Code of Ethics and Code of Conduct.
Pihak eksternal yang berhubungan dengan Bank External parties related to the Company are also
Sinarmas juga diwajibkan untuk mengikuti berbagai required to adhere to the various provisions contained
ketentuan yang ada di dalam Kode Etik dan Pedoman in the Company’s Code of Ethics and Code of Conduct.
Tingkah Laku ini.
KEBIJAKAN ANTIKORUPSI
ANTI-CORRUPTION POLICY
Bank Sinarmas telah menerapkan prinsip-prinsip Bank Sinarmas has implemented anti-corruption
anti korupsi yang dituangkan dalam pasal-pasal principles as outlined in the articles in the Company
pada Peraturan Perusahaan, Kode Etik dan Pedoman Regulations, the Code of Ethics and Code of Conduct,
Tingkah Laku, dan SOP Kedisiplinan Karyawan. Untuk and the SOP for Employee Discipline. To overcome
mengatasi praktik korupsi, balas jasa (kickbacks), the practice of corruption, kickbacks, fraud, bribery
fraud, suap dan/atau gratifikasi, Bank telah and/or gratification, the Bank has established
menetapkan prosedur dalam Kode Etik dan Pedoman procedures in the Code of Ethics and Code of Conduct
Tingkah Laku Versi 2.0. Bank juga merumuskan Version 2.0. The Bank also formulates business ethics
etika bisnis dan perilaku (code of conduct) yang and behavior (code of conduct) which is the main
merupakan aspek utama dalam komitmen integritas aspect of the integrity commitment launched by
yang dicanangkan Bank, dan membudayakan sistem the Bank, and cultivates a Risk Management system
Manajemen Risiko sesuai dengan prinsip kehati- in accordance with prudential principles and Good
hatian dan Good Corporate Government (GCG). Corporate Government (GCG).
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BANK 2021
Deklarasi Anti-Fraud Anti-Fraud Declaration

Merujuk POJK No.39/POJK.03/2019 tanggal 19 Pursuant to to POJK No.39/POJK.03/2019 dated 19
Desember 2019 tentang Penerapan Strategi Anti- December 2019 on the Implementation of Anti-
fraud bagi Bank Umum, disebutkan bahwa Fraud Fraud Strategies for Commercial Banks, it is stated
Awarness adalah upaya untuk menumbuhkan that Fraud Awarness is an effort to raise awareness
kesadaran mengenai pentingnya pencegahan fraud regarding the importance of preventing fraud by
oleh seluruh pihak terkait. Seluruh manajemen dan all related parties. All management and employees
karyawan Bank Sinarmas menyampaikan komitmen of Bank Sinarmas expressed their commitment to
untuk menolak kecurangan melalui deklarasi anti- rejecting fraud through an anti-fraud declaration.
fraud.
Pelatihan/Sosialisasi Antikorupsi Anti-Corruption Training/

Socialization
Bank Sinarmas sudah melakukan upaya Bank Sinarmas has made efforts to foster a risk culture
menumbuhkan budaya sadar risiko (risk culture) dan and anti-fraud awareness for all levels of the bank's
kepedulian anti-fraud bagi seluruh jajaran organisasi organization through Face-to-Face Socialization,
bank baik melalui Sosialisasi Tatap Muka, Pembacaan Reading of Anti-Fraud Declarations, and Socialization
Deklarasi Anti-Fraud, dan Sosialisasi melalui email, via email, Social Media, News Lens, Coffie TIME, and
Media Sosial, Lensa Berita, Coffie TIME, dan lainnya. other.
578
TANGGUNG JAWAB SOSIAL
DAN LINGKUNGAN
Corporate Social Responsibility
Dalam menjalanan kegiatan tanggung jawab sosial dan lingkungan

(TJSL), Bank Sinarmas senantiasa mengutamakan peningkatan nilai
bagi seluruh pemangku kepentingan, pemenuhan regulasi, keamanan
dan kenyamanan atas layanan, legitimasi dan transparansi.
In carrying out its CSR activities, Bank Sinarmas always prioritizes
increasing value for all stakeholders, compliance with regulations,
security and convenience of service, legitimacy and transparency.
BANK 2021
Setiap kegiatan usaha yang dilakukan Bank Every business activity carried out by Bank Sinarmas
Sinarmas akan mempengaruhi para pemangku will affect the stakeholders, either directly or indirectly.
kepentingan, baik secara langsung maupun tidak The company will have value if its existence is able
langsung. Perusahaan akan memiliki nilai apabila to provide a positive impact for its stakeholders.
keberadaannya mampu memberikan dampak positif Bank Sinarmas has a responsibility to contribute
bagi para pemangku kepentingannya. Bank Sinarmas economically, socially and environmentally to
memiliki tanggung jawab untuk memberikan stakeholders.
kontribusi baik secara ekonomi, sosial maupun
lingkungan kepada para pemangku kepentingan.
Bank Sinarmas melaksanakan tanggung jawab Bank Sinarmas carries out Corporate Social
sosial lingkungan (TJSL) perusahaan atau sebagai Responsibility (CSR) as a manifestation of the
perwujudan tanggung jawab perusahaan terhadap company's responsibility to stakeholders. In
para pemangku kepentingan. Dalam penerapan implementing CSR activities, the Bank is guided by
kegiatan TJSL Bank berpedoman pada prinsip the principles of accountability, transparency, and
akuntabilitas, transparansi, dan keberlanjutan. sustainability. Bank Sinarmas is responsible for the
Bank Sinarmas bertanggung jawab atas kebijakan, policies, actions, decisions and operational activities
tindakan, keputusan maupun kegiatan operasional of the Bank in accordance with the principle of
Bank sesuai prinsip akuntabilitas. Bank juga memiliki accountability. Banks also have information according
keterbukaan informasi sesuai prinsip transparansi. to the principle of transparency. The principles applied
Prinsip keberlanjutan diterapkan Bank melalui by the Bank through product development and Bank
pengembangan produk dan operasional Bank operations by considering the impact on society and
dengan mempertimbangkan dampak kepada the environment.
masyarakat dan lingkungan.
Dalam menjalankan kegiatan TJSL/CSR, Bank In carrying out its CSR activities, Bank Sinarmas
Sinarmas senantiasa mengutamakan peningkatan always prioritizes increasing value for all stakeholders,
nilai bagi seluruh pemangku kepentingan, compliance with regulations, security and
pemenuhan regulasi, keamanan dan kenyamanan convenience of service, legitimacy and transparency.
atas layanan, legitimasi dan transparansi. Bank Bank Sinarmas is committed to providing sustainable
Sinarmas berkomitmen untuk memberikan benefits for the surrounding community and
manfaat berkelanjutan bagi masyarakat sekitar employees. Actively, all Bank Sinarmas employees
dan karyawannya. Secara aktif, seluruh keluarga work together to create added value for the welfare of
besar Bank Sinarmas bersama-sama menciptakan the community and the environment.
nilai tambah bagi kesejahteraan masyarakat dan
lingkungan.
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2021 BANK
Kondisi pandemi COVID-19 yang membatasi aktivitas The condition of the COVID-19 pandemic which
penghimpunan masyarakat membuat Bank Sinarmas limits community gathering activities has prevented
tidak dapat melakukan kegiatan TJSL dengan Bank Sinarmas from carrying out CSR activities to
maksimal. Oleh karena itu, Bank memaksimalkan the fullest. Therefore, the Bank maximizes the use
penggunaan teknologi informasi dan digital of information and digital technology as a means of
sebagai sarana pendukung kegiatan TJSL terutama supporting CSR activities, especially education and
kegiatan edukasi dan donasi agar senantiasa dapat donation activities so that they can always provide
memberikan manfaat bagi masyarakat. benefits to the community.
Salah satu misi keuangan berkelanjutan Bank One of the missions of Bank Sinarmas's sustainable
Sinarmas adalah peranan TJSL untuk meningkatkan finance is the role of CSR to improve the welfare of
kesejahteraan masyarakat. Bank telah menyusun the community. The Bank has compiled CSR activities
kegiatan TJSL dalam RAKB 2021 yang akan in the 2021 RAKB which will be implemented during
diimplementasikan selama periode 2021-2025. the 2021-2025 period. CSR activities have a positive
Kegiatan TJSL memiliki dampak positif mengurangi impact on reducing social and economic inequalities,
kesenjangan sosial dan ekonomi, meningkatkan improving people's quality of life and supporting
kualitas hidup masyarakat serta mendukung upaya environmental conservation efforts.
pelestarian lingkungan.
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KINERJA EKONOMI ECONOMIC PERFORMANCE
UU No. 10 Tahun 1998 tentang Perbankan UU No. 10 of 1998 concerning Banking defines a bank
mendefinisikan Bank sebagai badan usaha yang as a business entity that collects funds from the public
melakukan penghimpunan dana dari masyarakat in the form of savings and distributes them to the
dalam bentuk simpanan dan menyalurkannya public in the form of credit and/or other forms in order
kepada masyarakat dalam bentuk kredit dan atau to improve the standard of living of the community.
lainnya dalam rangka meningkatkan taraf hidup The existence and sustainability of the Bank's business
masyarakat. Keberadaan maupun keberlangsungan is closely related to the needs and participation of the
usaha Bank erat kaitannya dengan kebutuhan dan community.
peran masyarakat.
Bank Sinarmas memahami akan keberadaannya Bank Sinarmas understands its existence as part of
sebagai bagian dari masyarakat, dimana the community, where the business growth achieved
pertumbuhan usaha yang dicapai tak lepas dari cannot be separated from the participation of the
peran serta masyarakat. Oleh karena itu, Bank community. Therefore, the Bank pays great attention
memberikan perhatian yang sangat besar terhadap to social development through CSR activities. There
pengembangan sosial kemasyarakatan melalui are five focuses on the implementation of the CSR
kegiatan TJSL. Terdapat lima fokus pelaksanaan program in the social sector, namely community
program TJSL di bidang sosial kemasyarakatan, yaitu empowerment, community donation programs,
pemberdayaan masyarakat, program donasi untuk religion, health, and education.
masyarakat, keagamaan, kesehatan, dan pendidikan.
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Sebagai Bank penyalur Kredit Usaha Rakyat (KUR), As a Bank distributing People's Business Credit (KUR),
Bank Sinarmas telah menyalurkan KUR kepada Bank Sinarmas has distributed KUR to a number
sejumlah UMKM. Pada tahun 2021 jumlah KUR of MSMEs. In 2021 the number of KUR disbursed
yang disalurkan mengalami peningkatan yang experienced a significant increase. KUR can help
cukup signifikan. KUR dapat membantu UMKM MSMEs in developing their businesses, so that they
dalam mengembangkan usahanya, sehingga dapat can improve the level of the community's economy.
meningkatkan taraf perekonomian masyarakat.
PEMBERDAYAAN MASYARAKAT [413-1] COMMUNITY EMPOWERMENT [413-1]
Salah satu fokus pelaksanaan TJSL adalah One of the focuses of CSR implementation is
pemberdayaan masyarakat. Pemberdayaan perlu community empowerment. Empowerment needs to
dilakukan agar pola pikir, kemampuan dan sumber be done so that the mindset, abilities and resources
daya yang selama ini dimiliki masyarakat dapat that have been owned by the community can be
dikembangkan dan dimanfaatkan secara optimal. developed and utilized optimally. This empowerment
Pemberdayaan ini bertujuan meningkatkan taraf aims to improve the economic level and welfare of the
ekonomi dan kesejahteraan masyarakat. community.
Selama tahun 2021, beberapa aktivitas TJSL During 2021, several CSR activities for community
pemberdayaan masyarakat yang telah dilakukan empowerment have been carried out by Bank
Bank Sinarmas: Sinarmas:
1. Program pembinaan UMKM untuk meningkatkan 1. MSME development program to increase the
kapasitas dan kapabilitas UKM melalui edukasi dan capacity and capability of SMEs through education
pengembangan kepada masyarakat. Program ini and development to the community. This program
mendukung Tujuan Pembangunan Berkelanjutan: supports the Sustainable Development Goals of
Tujuan 1 Tanpa kemiskinan, Tujuan 3 Kehidupan Goal 1 No poverty, Goal 3 Healthy and prosperous
sehat dan sejahtera, Tujuan 8 Pekerjaan layak life, Goal 8 Decent work and economic growth.
dan pertumbuhan ekonomi. Melalui program ini Through this program, it is hoped that the
diharapkan masyarakat, khususnya pelaku UMKM community, especially MSME actors, develop their
mengembangkan usahanya serta penerima KUR businesses and KUR recipients can wisely manage
dapat dengan bijak mengelola penyaluran kredit the credit distribution that has been received
yang telah diterima.
2. Pelatihan UMKM Go Online bekerja sama dengan 2. Go Online MSME training in collaboration with
e-commerce Shopee melalui webinar via Zoom Shopee e-commerce through Zoom webinar and
dan kanal youtube Bank Sinarmas. Program ini Bank Sinarmas youtube channel. This program
memberikan edukasi kepada UMKM tentang cara provides education to MSMEs on how to market
memasarkan produk dan mengelola bisnis online, products and manage online businesses, including
termasuk potensi dan peluang meningkatkan the potential and opportunities to increase sales
penjualan secara nasional maupun internasional. nationally and internationally. Bank Sinarmas
Bank Sinarmas memaparkan berbagai produk describes various financing products that prioritize
pembiayaan yang mengedepankan pembiayaan MSME financing in clusters or partnerships.
UMKM secara kluster atau kemitraan.
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BANK 2021
3. Pembinaan usaha pengolahan limbah peternakan 3. Business development of cattle farm waste
sapi menjadi media tanam briket. Bank Sinarmas processing into briquette planting media. Bank
bekerja sama dengan PT Songsong Buwono Sinarmas in collaboration with PT Songsong
Lestari melakukan inisiasi program kemitraan Buwono Lestari initiated a community
berbasis pemberdayaan masyarakat di Desa empowerment-based partnership program in
Sukajaya, Lembang, Jawa Barat. Melalui teknologi Sukajaya Village, Lembang, West Java. Through
mikro organisme lokal (MOL), limbah peternakan local micro-organism technology (MOL), livestock
diolah menjadi produk briket tanam yang waste is processed into planting briquette
memiliki nilai ekonomi sehingga berdampak pada products that have economic value so that they
peningkatan taraf ekonomi masyarakat. Program have an impact on increasing the economic level
ini mendukung TPB: Tujuan 7 energi bersih dan of the community. This program supports the
terjangkau, Tujuan 12 konsumsi dan produksi yang SGDs of Goal 7 clean and affordable energy, Goal 12
bertanggung jawab, dan Tujuan 17 kemitraan of responsible consumption and production, and
untuk mencapai tujuan. Goal 17 of partnerships to achieve the goals.
KINERJA SOSIAL SOCIAL PERFORMANCE
Pandemi COVID-19 yang telah berlangsung The COVID-19 pandemic, which has been ongoing
sejak awal tahun 2020 sangat berdampak pada since the beginning of 2020, has had a profound
kondisi kesehatan, sosial maupun perekonomian impact on the health, social and economic conditions
masyarakat. Kebijakan pemerintah melakukan PSBB of the community. The government's policy of
untuk menekan laju penyebaran virus COVID-19 implementing PSBB to suppress the spread of the
mempengaruhi pertumbuhan ekonomi nasional. COVID-19 virus affects national economic growth.
Sebagian masyarakat terpaksa kehilangan mata Some people were forced to lose their livelihoods
pencahariannya akibat pemutusan hubungan kerja due to layoffs (PHK) because of the deficit they
(PHK) karena defisit yang dialami. experienced.
Bank Sinarmas menyikapi kondisi ini dengan Bank Sinarmas responds this condition by diversifying
melakukan diversifikasi sumber pendapatan dan sources of income and cost efficiency. Nevertheless,
cost efficiency. Meskipun demikian, Bank sangat the Bank strongly avoids layoffs for efficiency
menghindari PHK untuk keperluan efisiensi. Sumber purposes. Human resources are assets that should be
daya manusia merupakan aset yang sedapat maintained as part of the big family of Bank Sinarmas.
mungkin dipertahankan sebagai bagian dari keluarga The preparation of digital infrastructure that has been
besar Bank Sinarmas. Persiapan infrastruktur digital carried out since five years ago has greatly helped
yang telah dilakukan sejak lima tahun lalu sangat Bank Sinarmas to survive during the pandemic.
membantu Bank Sinarmas untuk bertahan selama Digitalization is very helpful for the Bank in optimizing
masa pandemi. Digitalisasi sangat membantu existing revenue sources and maintaining load
Bank dalam mengoptimalkan sumber pendapatan efficiency. Digital infrastructure readiness sustains
yang ada dan menjaga efisiensi beban. Kesiapan cost savings without reducing employee numbers.
infrastruktur digital menopang penghematan biaya The application of digitization allows employees
tanpa mengurangi jumlah karyawan. Penerapan to work from home (WFH) so that the operational
digitalisasi membuat para karyawan dapat bekerja burden of the office is reduced.
dari rumah sehingga beban operasional kantor
berkurang.
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Perubahan iklim berdampak pada timbulnya cuaca Climate change has an impact on the emergence
ekstrim di sejumlah wilayah Indonesia. Tingginya of extreme weather in several parts of Indonesia.
curah hujan selama beberapa waktu menimbulkan The high rainfall for some time has caused floods
bencana banjir dan tanah longsor. Selain itu, di and landslides. In addition, in a number of areas
sejumlah wilayah terjadi bencana gempa bumi earthquakes and volcanic eruptions occurred. Bank
dan gunung meletus. Bank Sinarmas memberikan Sinarmas provides a donation program for the
program donasi untuk masyarakat termasuk community, including employees affected by the
karyawan terdampak pandemi dan bencana alam pandemic and natural disasters as a form of CSR.
sebagai bentuk TJSL.
PROGRAM DONASI UNTUK MASYARAKAT DONATION PROGRAM FOR THE COMMUNITY
Sepanjang tahun 2021, Bank Sinarmas telah Throughout 2021, Bank Sinarmas has allocated TJSL
mengalokasikan dana TJSL untuk program donasi funds for donation programs to the community,
kepada masyarakat, antara lain: including:
1. Bantuan sosial untuk korban bencana alam antara 1. Social assistance for victims of natural disasters,
lain di sekitar Kota Bima dan Kupang, korban tanah among others around the cities of Bima and
longsor di Sumedang, korban banjir di Karawang Kupang, victims of landslides in Sumedang, victims
dan Kalimantan Selatan, korban gempa bumi di of floods in Karawang and South Kalimantan,
Sulawesi Barat, korban gunung meletus (Semeru victims of earthquakes in West Sulawesi, victims
dan Merapi) di Jawa Timur dan Yogyakarta. of volcanic eruptions (Semeru and Merapi) in East
Java and Yogyakarta.
2. Bantuan kepada warga terdampak pandemi 2. Assistance to residents affected by the COVID-19
COVID-19, antara lain UKM Tekstil Solokan, Majalaya pandemic, including Solokan, Majalaya and
dan Malang. Malang Textile SMEs.
3. Bantuan kepada UMKM dan masyarakat pra 3. Assistance to residents affected by the COVID-19
sejahtera provinsi Maluku. pandemic, including Solokan, Majalaya and
Malang Textile SMEs.
4. Bantuan kepada kepolisian sektor Telanaipura, 4. Assistance to the police in Telanaipura, Jambi and
Jambi dan Lampung. Lampung sectors.
5. Bantuan paket sembako untuk karyawan Bank 5. assistance for Bank Sinarmas employees affected
Sinarmas terdampak bencana banjir di beberapa by the flood in several branches, including
cabang, antara lain Banjarmasin, Pekalongan, Banjarmasin, Pekalongan, Karawang.
Karawang.
6. Bingkisan Ramadhan 1442 H kepada tenaga 6. Ramadan 1442 H gifts to outsourcing staff,
outsourcing, khususnya tenaga support (security, especially support staff (security, office boy/girl,
office boy/girl, cleaning service, driver, serta cleaning service, drivers, and expeditions) at KPNO
ekspedisi) yang berada di KPNO Thamrin dan Thamrin and KPNO Roxy Square.
KPNO Roxy Square.
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TANGGUNG JAWAB SOSIAL KEMASYARAKATAN COMMUNITY SOCIAL RESPONSIBILITY IN THE

DI BIDANG KESEHATAN HEALTH SECTOR
Pandemi COVID-19 menjadi bencana yang The COVID-19 pandemic is a disaster that affects
mempengaruhi kondisi kesehatan masyarakat. Bank public health conditions. Bank Sinarmas focuses on
Sinarmas memfokuskan pelaksanaan TJSL di bidang the implementation of CSR in the health sector by
kesehatan dengan mendukung upaya pemerintah supporting the government’s efforts to deal with the
menanganani pandemi COVID-19. Sepanjang tahun COVID-19 pandemic. Throughout 2021 Bank Sinarmas
2021 Bank Sinarmas mengalokasikan dana CSR untuk: allocates CSR funds for:
1. Memberikan sumbangan masker ke Baznas Jawa 1. Donate masks to West Java Baznas.
Barat.
2. Berpartisipasi dalam proyek rumah oksigen 2. Participate in the mutual cooperation oxygen
gotong royong untuk membantu masyarakat house project to help people in need of centralized
yang membutuhkan isolasi COVID secara terpusat. COVID isolation. The bank donated health facilities
Bank memberikan donasi fasilitas kesehatan in the form of an isolation house containing 125
berupa satu rumah isolasi berisi 125 tempat tidur beds to the mutual cooperation oxygen house in
kepada rumah oksigen gotong royong di kawasan the Pulogadung area, East Jakarta.
Pulogadung, Jakarta Timur.
3. Menyediakan fasilitas protokol kesehatan 3. Provide health protocol facilities in the form of hand
berupa tempat cuci tangan, hand sanitizer, dan washing facilities, hand sanitizers, thermometers
thermometer di seluruh kantor cabang. in all branch offices.

DI BIDANG KEAGAMAAN RELIGIOUS FIELD
Pada bidang keagamaan, secara aktif Unit Usaha In the religious field, the Sharia Business Unit of
Syariah Bank Sinarmas menyalurkan bantuan dana Bank Sinarmas actively distributes CSR funds to
CSR ke sejumlah yayasan dan pondok pesantren, a number of foundations and Islamic boarding
antara lain Yayasan Santri Indonesia, Kabupaten schools, including the Indonesian Santri Foundation,
Demak, Pondok Pesantren Al-Ishlah-Bungah Gresik, Demak Regency, Al-Ishlah-Bungah Islamic Boarding
Pondok Pesantren Darussalam dan Hidayatul School, Gresik Islamic Boarding School, Darussalam
Mubtadi’in di Lampung Timur, serta Pondok Pesantren Islamic Boarding School and Hidayatul Mubtadi’in in
Asshiddiqiyah Jakarta. Bank juga memberikan Lampung. East, and Pondok Pesantren Asshiddiqiyah
sejumlan wakaf Alquran dan sumbangan hewan Jakarta. The Bank also provides a number of Qur’anic
kurban ke berbagai daerah di Indonesia. waqf and donations of sacrificial animals to various
regions in Indonesia.

DI BIDANG PENDIDIKAN EDUCATION FIELD
Bank Sinarmas menyadari pentingnya pendidikan Bank Sinarmas realizes the importance of education
untuk meningkatkan taraf ekonomi dan to improve the economic level and welfare of the
kesejahteraan masyarakat. Selain secara rutin community. In addition to routinely providing
memberikan sejumlah beasiswa kepada beberapa scholarships to several schools, Islamic boarding
sekolah, pondok pesantren, maupun universitas, schools, and universities, the Bank also focuses CSR
Bank juga memfokuskan dana TJSL pada pemerataan funds on equal distribution of education.
pendidikan.
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Selama tahun 2021, aktivitas penyaluran dana TJSL During 2021, CSR fund distribution activities are as
adalah sebagai berikut: follows:
1. Bantuan kepada Ikatan Pelajar Nahdlatul Ulama 1. Assistance to the Nahdlatul Ulama Student
(IPNU) Kabupaten Demak dan sejumlah pondok Association (IPNU) of Demak Regency and a
pesantren di Jakarta, Gresik dan Lampung; number of Islamic boarding schools in Jakarta,
Jakarta, Gresik, and Lampung;
2. Gerakan sekolah menyenangkan; 2. Fun school movement;
3. TJSL Korporasi pengembangan kebun baca Bank 3. Corporate CSR for developing Bank Sinarmas
Sinarmas kepada Taman Bacaan Masyarakat reading gardens for Lentera Pustaka Community
Lentera Pustaka; Reading Gardens;
4. Fasilitas komputer untuk memperkuat literasi 4. Computer facilities to strengthen digital literacy
digital di masa pandemi kepada Taman Baca during the pandemic for the Lentera Pustaka
Lentera Pustaka; dan Reading Park; and
5. Program Pembangunan Kelas Sekolah Alam 5. The Natural Nurani Insani School Class
Nurani Insani di Maja, Banten untuk mendukung Development Program in Maja, Banten to support
program pemerintah dalam pemerataan government programs in equalizing education in
pendidikan di Indonesia. Indonesia.
Literasi dan Inklusi Keuangan Financial Literacy and Inclusion

Bank Sinarmas terus meningkatkan peran dan Bank Sinarmas continuously improve its role and
kontribusi dalam literasi dan inklusi keuangan di contribution for financial literacy and inclusion in the
tanah air. Tujuan dari program ini adalah untuk country. The purpose of this program is to increase
meningkatkan pemahaman masyarakat tentang public understanding of wise financial management
pengelolaan keuangan yang bijak dan mendorong and encourage the creation of equality in public
terciptanya kesetaraan dalam akses masyarakat pada access to products and/or services provided by Bank
produk dan/atau layanan yang disediakan oleh Bank Sinarmas.
Sinarmas.
Dalam rangka memenuhi target capaian program In order to meet the achievement targets of financial
literasi dan inklusi keuangan, Bank Sinarmas terus literacy and inclusion programs, Bank Sinarmas
menggunakan inovasi digital dan teknologi informasi. continues to use digital innovation and information
Pada tahun 2021, program dan kegiatan literasi dan technology. In 2021, financial literacy and inclusion
inklusi keuangan yang dilaksanakan oleh Bank programs and activities implemented by Bank
Sinarmas, antara lain: Sinarmas, include:
1. Pelatihan UMKM Go Online; 1. Go Online MSME Training;
2. Program pembinaan UMKM untuk 2. MSME development program to increase
meningkatkan kapasitas dan kapabiltas dalam capacity and capability in running their business;
menjalankan usahanya; dan and
3. Program literasi keuangan untuk pelajar dan 3. Financial literacy program for students regarding
mahasiswa mengenai produk perbankan, cerdas banking products, smart investment, and
investasi, dan solusi pembiayaan usaha. business financing solutions.
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TANGGUNG JAWAB SOSIAL TERHADAP PRAKTIK SOCIAL RESPONSIBILITY TO EMPLOYMENT,

KETENAGAKERJAAN, KESEHATAN, DAN HEALTH AND SAFETY PRACTICES
KESELAMATAN KERJA
Bank Sinarmas telah mengatur praktik Bank Sinarmas has regulated employment practices
ketenagakerjaan dalam Peraturan Perusahaan yang in Company Regulations which are updated regularly
diperbarui secara berkala sesuai ketentuan. Bank according to regulations. The Bank provides health
memberikan fasilitas kesehatan kepada seluruh facilities to all employees and has been regulated in
karyawan dan telah diatur dalam kebijakan Surat the Decree of the Board of Directors No. SK.038/2018/
Keputusan Direksi No.SK.038/2018/DIR5-HCSS DIR5-HCSS regarding “Health Maintenance Allowance
tentang “Tunjangan Pemeliharaan Kesehatan Revisi Revision 3.0”.
3.0”.
Selama masa pandemi, Bank secara rutin During the pandemic, the Bank routinely provides
menyediakan vitamin dan masker untuk karyawan vitamins and masks for Bank employees. The bank
Bank. Bank juga selalu melakukan cek suhu tubuh also always checks body temperature and requires
dan mewajibkan karyawan mematuhi protokol employees to comply with health protocols. The
kesehatan. Secara berkala Bank melakukan rapid Bank periodically conducts random rapid tests to
test secara acak kepada karyawan, khususnya yang employees, especially those who are in direct contact
berhubungan langsung dengan nasabah. with customers.
Bank Sinarmas juga melakukan program donor darah Bank Sinarmas also conducts a blood donor program
bekerja sama dengan Palang Merah Indonesia (PMI) in collaboration with the local Indonesian Red Cross
setempat. Kegiatan ini telah dilakukan secara rutin (PMI). This activity has been carried out regularly
tiap tahun sebagai kontribusi penyediaan darah untuk every year as a contribution to providing blood for
keperluan transfusi kepada masyarakat maupun transfusion purposes to the public and Bank Sinarmas
karyawan Bank Sinarmas yang membutuhkan. employees in need.
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Keselamatan Kerja Work safety

Bank Sinarmas telah membentuk Tim Darurat yang Bank Sinarmas has formed an Emergency Team that
bertanggung jawab terhadap keselamatan kerja is responsible for work safety in the event of disruption
apabila terjadi gangguan kegiatan operasional Bank. to the Bank's operational activities. Emergency teams
Tim darurat dibentuk di masing-masing unit kerja are formed in each work unit with the objectives of:
dengan tujuan:
1. Mengetahui kegiatan yang harus diprioritaskan 1. Knowing which activities should be prioritized in
pada saat terjadi keadaan darurat demi the event of an emergency for the sake of business
kelangsungan bisnis dan pelayanan terhadap continuity and service to customers.
nasabah.
2. Meminimalkan kehilangan dokumen–dokumen 2. Minimize the loss of important documents.
penting.
3. Meminimalkan dampak bencana terhadap 3. Minimize the impact of disasters on the company
perusahaan secara keseluruhan. as a whole.
Tim darurat dilengkapi dengan pelatihan dan simulasi The emergency team is equipped with training and
menghadapi bencana, baik kebakaran maupun simulations to deal with disasters, both fires and
gempa bumi. Tujuan dari pelatihan Tim Darurat ini earthquakes. The objectives of this Emergency Team
antara lain: training include:
1. Meningkatkan kesadaran dan kesiapan 1. Increase awareness and readiness for disasters.
menghadapi bencana.
2. Memberikan pemahaman mengenai basic floor 2. Provide an understanding of the basic floor
captain. captain.
3. Melatih kemampuan dan kesigapan para peserta 3. Train the skills and alertness of the trainees in
pelatihan dalam mengkoordinir rekan-rekan coordinating their colleagues to carry out the
kerjanya untuk melakukan proses evakuasi saat evacuation process during earthquakes and fires
gempa dan kebakaran pada gedung bertingkat. in high-rise buildings.
Bank juga melakukan simulasi kebakaran The Bank also conducts fire simulations with the
dengan tujuan melatih kesadaran, kesiapan, dan aim of training employees' awareness, readiness,
kesiapsiagaan karyawan dalam menghadapi keadaan and preparedness in dealing with fire emergencies,
darurat kebakaran, mengetahui jalur emergency exit knowing the emergency exit route and the location of
maupun lokasi titik kumpul yang telah ditentukan. the designated gathering point.
Keselamatan kerja tak lepas dari peran tenaga Work safety cannot be separated from the role of
keamanan. Oleh karena itu, Bank Sinarmas juga security/security personnel. Therefore, Bank Sinarmas
melengkapi tim keamanan dengan pelatihan yang also equips the security team with training with the
bertujuan untuk: aim of:
1. Meningkatkan kemampuan, kesigapan, dan sikap 1. Improve the ability, alertness, and mental attitude
mental dari personIl Sekuriti Bank Sinarmas dalam of Bank Sinarmas Security personnel in responding
merespon secara tepat dan cepat saat keadaan appropriately and quickly when an emergency
darurat terjadi. occurs.
2. Melatih dan meningkatkan kemampuan peserta 2. Train and improve the ability of participants in
dalam evakuasi mandiri kebakaran dan evakuasi self-evacuating fires and evacuating victims of
korban gedung runtuh. collapsed buildings.
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3. Memberikan pemahaman lanjutan tentang sistem 3. Provide advanced understanding of the Incident
koordinasi Incident Command System (ICS) dalam Command System (ICS) coordination system
menangani situasi keadaan darurat di lingkungan in handling emergency situations in the office
kantor. environment.
KINERJA LINGKUNGAN HIDUP ENVIRONMENTAL PERFORMANCE
DUKUNGAN PERUSAHAAN DALAM MENJAGA COMPANY SUPPORT IN PROTECTING THE

LINGKUNGAN ENVIRONMENT
Bank Sinarmas menerapkan prinsip kehati-hatian Bank Sinarmas applies the precautionary principle
dalam mengukur risiko sosial dan lingkungan hidup in measuring social and environmental risks from
dari aktivitas penghimpunan dan penyaluran dana. the activities of collecting and distributing funds.
Aktivitas tersebut termasuk identifikasi, pengukuran, These activities include identification, measurement,
mitigasi, pengawasan, dan pemantauan. Risiko mitigation, monitoring, and monitoring. Social and
sosial dan lingkungan hidup dalam aktivitas bank environmental risks in bank activities include negative
mencakup dampak sosial dan lingkungan hidup social and environmental impacts of the project or
yang bersifat negatif dari proyek atau kegiatan yang activity being financed.
dibiayai.
Aspek lingkungan merupakan pilar yang penting The environmental aspect is one of the important
untuk dipertimbangkan dalam menjalankan sustainability pillars to consider in implementing
keuangan berkelanjutan. Keseimbangan ekosistem sustainable finance. The balance of ecosystems and
dan keanekaragaman hayati bertujuan memastikan biodiversity aims to ensure business sustainability
keberlanjutan usaha dan menjamin kelancaran and ensure the smooth implementation of human
pelaksanaan kegiatan ekonomi serta sosial manusia. economic and social activities. In supporting the
Dalam mendukung aspek lingkungan, Bank Sinarmas environmental aspect, Bank Sinarmas continues to
terus berupaya menumbuhkan budaya ramah strive to foster an environmentally friendly culture
lingkungan di internal perusahaan serta mendorong within the company as well as encourage the growth of
pertumbuhan kesadaran lingkungan pada nasabah, environmental awareness among customers, debtors,
debitur, masyarakat, dan pemangku kepentingan communities, and other external stakeholders.
eksternal lainnya.
KEBIJAKAN TANGGUNG JAWAB SOSIAL SOCIAL RESPONSIBILITY POLICY TOWARDS THE

TERHADAP LINGKUNGAN HIDUP ENVIRONMENT
Bank Sinarmas telah memiliki beberapa kebijakan Bank Sinarmas already has several policies related to
terkait dengan aspek lingkungan hidup, baik dalam environmental aspects, both in the development of
pengembangan produk/jasa keuangan maupun financial products/services and other policies related
kebijakan yang terkait dengan pelestarian lingkungan to environmental conservation.
hidup lainnya.
Terkait kepedulian terhadap lingkungan hidup, Bank Regarding concern for the environment, Bank
Sinarmas telah mememiliki sejumlah kebijakan Sinarmas has a number of internal policies, including:
internal, antara lain:
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2021 BANK
1. SE.029/2012/DIR4-GA tanggal 23 Oktober 2012 1. SE.029/2012/DIR4-GA dated October 23, 2012

tentang Penghematan Kertas, Biaya Telepon, concerning Saving Paper, Telephone, Electricity
Listrik dan Air PT. Bank Sinarmas Tbk. and Water Costs for PT. Bank Sinarmas Tbk.
2. M.028/2012/OPR-LA&BOS pada 27 Juni 2012 2. M.028/2012/OPR-LA&BOS on 27 June 2012
tentang Green Policy di Lingkungan Kantor PT. regarding Green Policy in the Office of PT. Bank
Bank Sinarmas Tbk. Sinarmas Tbk.
3. M.422/2012/DIR6/HCM pada 8 November 2012 3. M.422/2012/DIR6/HCM on November 8, 2012
tentang Larangan Merokok di seluruh kantor Bank concerning the Prohibition of Smoking in all Bank
Sinarmas. Sinarmas offices.
Pada tahun 2021, Bank Sinarmas melaksanakan In 2021, Bank Sinarmas will implement several impact
beberapa program manajemen dampak dari wilayah management programs from operational areas that
operasional yang baik langsung maupun tidak can directly or indirectly support efforts to reduce
langsung dapat mendukung upaya pengurangan emissions, as well as reduce waste and effluents.
emisi, serta pengurangan limbah dan efluen. The implementation of the program also aims to
Penerapan program tersebut juga bertujuan untuk support environmental conservation efforts, as well
mendukung upaya pelestarian lingkungan, serta as biodiversity conservation. The program support
konservasi keanekaragaman hayati. Adapun aktivitas- activities that have been carried out by Bank Sinarmas
aktivitas pendukung program yang telah dilakukan are as follows:
oleh Bank Sinarmas adalah sebagai berikut:
1. Mengatur pemakaian pendingin ruangan dan 1. Regulate the use of air conditioners and lights, as
lampu, serta penggunaan lampu LED di beberapa well as the use of LED lights in several operational
wilayah operasional sebagai upaya efisiensi energi; areas as an energy efficiency effort;
2. Mengurangi pemakaian kertas dan 2. Reducing paper usage and optimizing paperless
mengoptimalkan teknologi paperless dalam technology in operations, services and products;
operasional, layanan dan produk;
3. Menggunakan sumber energi terbarukan yang 3. Using renewable energy sources from solar panels
berasal dari panel surya (di Kantor Cabang Klampis (at the Klampis and Diponegoro Branch Offices);
dan Diponegoro); dan and
4. Menggunakan motor listrik sebagai pengganti 4. Using electric motors as a substitute for fossil fuel
kendaraan berbahan bakar fosil dalam kegiatan vehicles in operational activities at several branch
operasional di beberapa kantor cabang. offices.
Dari sisi struktur pengelola kredit, Bank telah In terms of the credit management structure, the
memisahkan fungsi pemasaran dan analisa kredit Bank has separated the marketing and credit analysis
dalam penerimaan permohonan kredit sebagai functions in accepting credit applications as a form
bentuk menjaga kualitas kredit berdasarkan of maintaining credit quality based on prudential
prinsip kehati-hatian. Pemberian kredit juga wajib principles. The granting of credit is also required to
mendapatkan persetujuan dari Komite Kredit obtain approval from the Credit Committee who has
yang memiliki integritas, profesionalisme, serta integrity, professionalism, and competence in the
berkompeten di bidang perkreditan. field of credit.
Dalam upaya mendukung ketersediaan energi bersih In an effort to support the availability of clean and
dan terbarukan, Bank Sinarmas melakukan kerja renewable energy, Bank Sinarmas collaborates with
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BANK 2021
sama dengan SUNTerra, perusahaan jasa energi yang SUNTerra, an energy service company that focuses
berfokus pada pengembangan sistem energi surya. on developing solar energy systems. Bank Sinarmas
Bank Sinarmas menawarkan produk green saving offers green saving products that have three
yang memiliki tiga keuntungan sekaligus, yaitu advantages at once, namely financial investment,
investasi financial, penghematan pengeluaran biaya savings in electricity costs of up to 30% per month,
listrik sampai 30% tiap bulan, serta kontribusi dalam and contribution to the use of green energy that is
penggunaan energi hijau yang ramah lingkungan. environmentally friendly.
Secara keseluruhan, untuk pendukung program Overall, in supporting programs and activities related
dan kegiatan terkait aspek lingkungan hidup, Bank to environmental aspects, Bank Sinarmas encourages
Sinarmas mendorong transformasi digital dan digital transformation and the development of digital-
pengembangan sistem berbasis digital dan teknologi based systems and information technology in the
informasi dalam penerapan keuangan berkelanjutan. application of sustainable finance. The use of digital-
Pengunaan sistem berbasis digital dapat mengurangi based systems can reduce environmental risks, such
risiko lingkungan, seperti polusi dan meningkatkan as pollution and improve operational efficiency. On
efisiensi operasional. Pada sisi lainnya, transformasi the other hand, technological transformation is able
teknologi mampu meningkatkan efisiensi waktu to increase time efficiency at work so that the services
dalam bekerja sehingga layanan dan/atau produk and/or financial products provided by Bank Sinarmas
keuangan yang disediakan oleh Bank Sinarmas dapat can be accessed by customers quickly and easily.
diakses oleh nasabah secara cepat dan mudah.
PENGGUNAAN ENERGI DAN INTENSITAS EMISI ENERGY USE AND EMISSION INTENSITY
Bank Sinarmas senantiasa ikut berpartisipasi dalam Bank Sinarmas always participates in efforts to
upaya pelestarian alam dan lingkungan hidup. Hal preserve nature and the environment. This is embodied
ini diwujudkan dalam kebijakan dan program yang in relevant policies and programmes. Various efforts
relevan. Berbagai upaya mendukung pelestarian alam to support nature conservation are planned and
direncanakan dan diimplementasikan di lingkungan implemented in the internal environment, such
internal, seperti penghematan penggunaan kertas, as saving the use of paper, electricity, and fuel. This
listrik, dan bahan bakar. Kebijakan ini diterapkan policy is implemented from the head office to branch
mulai dari kantor pusat hingga kantor cabang. Bank offices. Bank Sinarmas realizes that this policy has a
Sinarmas menyadari, kebijakan ini memberikan positive impact on the environment and the culture
dampak positif terhadap lingkungan dan budaya of efficiency in the Company.
efisiensi di Perusahaan.
Bank Sinarmas terus berupaya untuk mengurangi Bank Sinarmas continues to strive to reduce energy
penggunaan energi dalam kegiatan operasionalnya. use in its operational activities. Efforts to save energy,
Upaya penghematan energi, seperti penghematan such as saving electricity at the Roxy Square Non-
listrik di Kantor Pusat Non-Operasional Roxy Square Operational Head Office with restrictions on the
dengan pembatasan pemakaian listrik operasional use of operational electricity which are determined
yang di tentukan sesuai rutinitas kerja jam 07.00 according to the work routine from 07.00 to 18.00.
hinga 18.00. Bank Sinarmas juga melakukan sosialisasi Bank Sinarmas also disseminates electricity savings
penghematan listrik dengan mematikan lampu pada by turning off lights during breaks and using LED
saat jam istirahat, serta menggunakan lampu LED. lights.
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Pada tahun 2021, Bank Sinarmas belum mendata In 2021, Bank Sinarmas has not recorded the intensity
intensitas pengunaan energi listrik dan air, serta of the use of electricity and water energy, and has not
belum menghitung jumlah emisi yang dihasilkan calculated the amount of emissions produced or other
maupun biaya lingkungan hidup lainnya yang berasal environmental costs originating from the company’s
dari operasional perusahaan. Meskipun demikian, operations. However, Bank Sinarmas has calculated
Bank Sinarmas sudah menghitung jumlah biaya the total cost of using electricity, water, and fuel oil at
penggunaan listrik, air, dan bahan bakar minyak di the Bank Sinarmas Head Office.
Kantor Pusat Bank Sinarmas.
BIAYA LISTRIK, AIR, DAN BAHAN BAKAR MINYAK

Electricity, Water, And Fuel Cost (Dalam juta Rupiah)
(In Million Rupiah)
Uraian
2021 2020 2019
Description
Biaya Listrik (Electricity Cost) 2.831 2.458 2.079
Biaya Pemakaian Air (Water Cost) 21 34 33
Biaya Penggunaan Bahan Bakar Minyak (Fuel Cost) 310 457 339
Selain itu, Bank Sinarmas telah memulai pengunaan In addition, Bank Sinarmas has started the use of
energi terbarukan dalam upaya penghematan listrik renewable energy in an effort to save electricity by
dengan pemasangan panel surya di Kantor Cabang installing solar panels at the Diponegoro and Klampis
Diponegoro dan Klampis Surabaya. Branch Offices in Surabaya.
JUMLAH PEMAKAIAN LISTRIK DI KANTOR CABANG KLAMPIS DAN DIPONEGORO [302-1, 302-4]
Total Electricity Usage at Klampis and Diponegoro Branch Offices [302-1, 302-4]
2021 2020 2019

Kantor Cabang
Panel Surya Panel Surya Panel Surya
Branch PLN PLN PLN
Solar Panel Solar Panel Solar Panel
kWh kWh kWh
kWh kWh kWh
Klampis* 35.739 10.790 39.655 7.750 44.247 -
Diponegoro** 216.908 4.292 258.209 24.042 288.841 -
Keterangan:
* Penggunaan solar panel efektif pada bulan Mei 2020. Data PLN 2019 adalah data asumsi 12 bulan karena kantor cabang baru efektif pada bulan
September 2019.
** Penggunaan solar panel dimulai pada bulan Maret.
Information:
* The use of solar panels is effective in May 2020. PLN 2019 data is an assumption of 12 months because the new branch office is effective in
September 2019.
** The use of solar panels begins in March.* Penggunaan solar panel efektif pada bulan Mei 2020. Data PLN 2019 adalah data asumsi 12 bulan
karena kantor cabang baru efektif pada bulan September 2019.
** Penggunaan solar panel dimulai pada bulan Maret.
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PENGOLAHAN LISTRIK
ELECTRICITY USAGE
Keterangan: Perhitungan energi listrik hanya mencakup KC Diponegoro dan KC Klampis.

Note: The calculation of electrical energy only includes KC Diponegoro and KC Klampis.
252.647 kWh 297.864 kWh 333.088 kWh

2021 2020 2019
Bank Sinarmas juga telah merealisasikan anggaran Bank Sinarmas has also realized a budget for
pembelian motor listrik ramah lingkungan sekitar purchasing environmentally friendly electric
Rp284.530.000 untuk 12 unit motor listrik yang motorcycles of around Rp284,530,000 for 12 (twelve)
digunakan sebagai pendukung kegiatan operasional units of electric motors that are used to support
di kantor tertentu. Selain itu, Bank Sinarmas terus operational activities in certain offices. In addition,
berupaya mewujudkan komitmen dalam aspek Bank Sinarmas continues to strive to realize
lingkungan hidup. commitments in environmental aspects.
PENGOLAHAN LIMBAH WASTE TREATMENT
Kegiatan operasional perbankan berhubungan Banking operations are related to documents,

dengan dokumen, sehingga menghasilkan limbah resulting in the largest amount of waste in the form
terbanyak berupa kertas. Meskipun demikian, of paper. Nevertheless, the application of paperless in
penerapan paperless dalam operasional sehari-hari, daily operations, the use of used paper continues to
penggunaan kertas bekas terus disosialisasikan be socialized, especially to all KPNO Roxy Square work
terutama kepada seluruh unit kerja KPNO Roxy units. Bank Sinarmas recorded a decrease in paper
Square. Bank Sinarmas mencatat terjadinya waste generated by operational activities by 28.04%
penurunan limbah kertas yang dihasilkan oleh compared to 2020.
kegiatan operasional sebesar 28,04% dibandingkan
tahun 2020.
JUMLAH LIMBAH KERTAS [306-3]

Paper Waste Amount
Total
Uraian
Unit 2021 2020 2019 Penghematan
Description
Total Savings
Jumlah limbah kertas

paper waste Ton 1.786 2.482 3.284 28,04%
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TANGGUNG JAWAB SOSIAL TERHADAP SOCIAL RESPONSIBILITY TO THE ENVIRONMENT

LINGKUNGAN HIDUP
Dalam hubungannya dengan TJSL di bidang In relation to CSR in the environmental sector, Bank
lingkungan, Bank Sinarmas telah melakukan aktivitas Sinarmas has carried out the following activities
berikut sepanjang tahun 2021, antara lain: throughout 2021, including:
1. Program pelatihan pengolahan limbah rumah 1. Training program for processing household,
tangga, perkebunan, pertanian atau peternakan plantation, agricultural or livestock waste with
dengan biokompos untuk mengurangi emisi dan biocompost to reduce emissions and increase
meningkatkan produk berbasis sumber daya alam competitive natural resource-based products;
yang kompetitif;
2. Program edukasi secara virtual penyediaan air 2. Virtual education program for the provision of
bersih, penghijauan dan pelestarian lingkungan di clean water, reforestation and environmental
beberapa wilayah di Indonesia; conservation in several areas in Indonesia;
3. Program edukasi tentang lingkungan hidup; 3. Educational programs on the environment;
4. Webinar dengan tema “Bijak Menangani Sampah 4. Webinar with the theme “Wisdom in Handling
& Pemanfaatan Limbah Rumah Tangga”. Waste & Utilization of Household Waste”.
REALISASI PELAKSANAAN ENVIRONTMENTAL

TANGGUNG JAWAB SOSIAL SOCIAL RESPONSIBILITY
LINGKUNGAN IMPLEMENTATION
Secara keseluruhan rincian biaya kegiatan tanggung Overall, the details of the costs of social and
jawab sosial dan lingkungan yang telah dilakukan environmental responsibility activities that have been
Bank Sinarmas adalah sebagai berikut : carried out by Bank Sinarmas are as follows:
(dalam Rupiah)
(in Rupiah)
Realisasi Biaya TJSL (Rp) | Realized CSR Cost (Rp)
Program TJSL Tahun | Year

CSR Program
2021 2020 2019
Sosial dan Kemasyarakatan 1.386.049.836 1.468.190.746 1.623.708.362

Social and Community
K3 12.000.000 90.250.000 15.000.000
Pendidikan 89.217.795 96.000.000 49.000.000

Education
Lingkungan Hidup 165.390.000 218.000.000 50.000.000

Environment
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BANK 2021
PERMASALAHAN TERKAIT PROBLEMS RELATED TO

PENERAPAN KEUANGAN THE IMPLEMENTATION OF
BERKELANJUTAN SUSTAINABLE FINANCE
Pandemi COVID-19 yang terjadi di awal tahun The COVID-19 pandemic that occurred in early 2020
2020 masih berpengaruh terhadap kebijakan dan still affects banking business policies and practices.
praktik bisnis perbankan. Pemulihan ekonomi The national economic recovery has slowed again due
nasional kembali melambat akibat munculnya to the emergence of the delta variant of the COVID-19
varian delta virus COVID-19 yang mengharuskan virus which requires the government to implement
pemerintah melakukan pemberlakuan pembatasan restrictions on community activities (PPKM) in 2021.
kegiatan masyarakat (PPKM) di tahun 2021. Hal ini This affects the achievement of Bank Sinarmas targets
mempengaruhi capaian target Bank Sinarmas yang that have been listed in the RAKB so that there are
telah tercantum dalam RAKB sehingga ada beberapa several targets that cannot be achieved optimally ,
target yang tidak dapat dicapai secara maksimal, di including:
antaranya:
1. Program edukasi masyarakat mengenai 1. Public education programs regarding financial
literasi keuangan seperti kegiatan tayang literacy such as external talk shows for parents
bincang eksternal untuk orang tua tentang about early introduction for children in order to
pengenalan sedari dini bagi anak-anak dalam improve the culture of saving and understanding
rangka meningkatkan budaya menabung dan of the era of banking digitalization.
pemahaman mengenai era digitalisasi perbankan.
2. Program air bersih, penghijauan, dan pelestarian 2. Programs for clean water, reforestation, and
lingkungan di beberapa wilayah di Indonesia environmental conservation in several regions in
yang dialihkan menjadi kegiatan penyuluhan dan Indonesia were turned into virtual outreach and
sosialisasi secara virtual dan lainnya. socialization activities and others.
Untuk segmen UMKM dan korporasi sektor For the MSME and corporate segments in the
pengelolaan sumber daya alam hayati dan management of living natural resources and
penggunaan lahan yang berkelanjutan, Bank sustainable land use, Bank Sinarmas noted that
Sinarmas mencatat adanya beberapa tantangan there were several challenges that could hinder
yang dapat menghambat penyaluran pinjaman the disbursement of loans based on sustainable
berbasis keuangan berkelanjutan. Tantangan ini finance. These challenges include changes in
di antaranya adalah adanya perubahan kebijakan government policies related to providing incentives
pemerintah terkait pemberian insentif untuk program for infrastructure financing programs, natural
pembiayaan infrastruktur, bencana alam di suatu disasters in an area that has been targeted for market
daerah yang telah dijadikan target pengembangan development by banks, the impact of an international
pasar oleh bank, dampak dari perang dagang trade war, volatility in the rupiah exchange rate, and
berskala internasional, volatilitas nilai tukar rupiah, the COVID-19 pandemic. This challenge has become a
serta pandemi COVID-19. Tantangan tersebut menjadi trigger for Bank Sinarmas to agilely ensure that lending
pemicu bagi Bank Sinarmas untuk dengan tangkas is always in accordance with regulations. Another
memastikan penyaluran kredit agar selalu sesuai effort that can be made is to continue to provide
dengan peraturan. Upaya lain yang dapat dilakukan assistance through corporate social responsibility
adalah tetap memberikan bantuan melalui kegiatan activities in collaboration with stakeholders to create
tanggung jawab sosial perusahaan bekerja sama closer cooperation.
dengan pemangku kepentingan demi tercipta kerja
sama yang lebih erat.
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Dari sisi lain, seiring dengan meningkatnya kesadaran On the other hand, along with the increasing
para pelaku usaha untuk mengurangi risiko sosial awareness of business actors to reduce social and
dan lingkungan, Bank Sinarmas mencermati environmental risks, Bank Sinarmas is observing
peningkatan peluang atas pembiayaan kepada increasing opportunities for financing for sustainable
usaha berkelanjutan. Perusahaan juga mencatat businesses. The company also noted that increasing
peningkatan perhatian dari pemangku kepentingan, attention from stakeholders, both investors and
baik investor maupun masyarakat terhadap aspek the public on sustainability aspects, especially
keberlanjutan terutama aspek lingkungan dan sosial environmental and social aspects, has encouraged
telah mendorong banyak usaha untuk membuat many businesses to make their business operations
operasional usahanya menjadi lebih bertanggung more responsible in accordance with the principles of
jawab sesuai dengan prinsip keberlanjutan. sustainability.
MEKANISME PENGADUAN PUBLIC COMPLAINTS AND

MASYARAKAT DAN KELUHAN CUSTOMER COMPLAINTS
NASABAH MECHANISM
Bank Sinarmas senantiasa memasarkan produk dan/ Bank Sinarmas always markets products and/or
atau jasa dengan memberikan pelayanan yang prima, services by providing excellent service, and conveying
dan menyampaikan informasi produk dan/atau accurate product and/or service information to
jasa yang akurat kepada konsumen sesuai prinsip consumers in accordance with the principle of equal
kesetaraan akses. Dalam penerapan pengaduan atau access. In implementing complaints or information
kebutuhan informasi, Bank Sinarmas telah memiliki needs, Bank Sinarmas has procedures that can meet
prosedur yang dapat memenuhi dan menjawab and answer customer needs as well as practical
kebutuhan nasabah serta alur proses praktis yang process flows that can be easily accessed by customers
dapat di akses dengan mudah oleh nasabah dan and the public.
masyarakat.
Kebijakan internal, yang diatur dalam SK.026/2020/ The internal policy, which is regulated in SK.026/2020/
DIR4-ContactCenter tentang Standard Operating DIR4-ContactCenter regarding Standard Operating
Procedure (SOP) Penanganan Pengaduan Nasabah Procedure (SOP) for Handling Customer Complaints
Bank Sinarmas Rev. 2.0. Unit kerja Contact Center at Bank Sinarmas Rev. 2.0. The Contact Center work
memberikan layanan informasi perbankan serta unit provides banking information services and
menerima keluhan atau pengaduan yang dapat receives complaints or complaints that can be used,
digunakan, baik oleh nasabah maupun masyarakat. both by customers and the public. Complaints and
Pengaduan maupun masukan terkait dampak input regarding the positive and negative impacts of
positif dan dampak negatif penerapan keuangan implementing sustainable finance can be submitted
berkelanjutan dapat dilayangkan melalui email, chat, via email, chat, letter, fax, OJK Consumer website/
surat, faks, website Konsumen OJK/Sistem Layanan Integrated Consumer Service System in the financial
Konsumen Terintegrasi di sektor jasa keuangan, services sector, mass media, social media or face-to-
media massa, media sosial atau tatap muka di seluruh face at all Bank Sinarmas Branch Offices.
Kantor Cabang Bank Sinarmas.
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BANK 2021
Bank Sinarmas menyediakan berbagai kanal Bank Sinarmas provides various complaints and input
layanan melalui Kantor Cabang, Bank Sinarmas channels through branch offices, Bank Sinarmas CARE
CARE di nomor 1500153/021 – 50188888, email care@ at 1500153/021 - 50188888, e-mail care@banksinarmas.
banksinarmas.com atau agent chat di website: www. com or chat agent website: www.banksinarmas.com.
banksinarmas.com. Saluran pengaduan lainnya yang Other complaint channels available to customers
tersedia bagi nasabah adalah Facebook, WhatsApp di and the community are Facebook, WhatsApp
nomor 08822-1500-153, Twitter, serta Instagram resmi at 08822-1500-153, Twitter, and the official Bank
Bank Sinarmas. Setiap pengaduan yang masuk akan Sinarmas Instagram. The Service Quality Unit is
ditindaklanjuti oleh Unit Service Quality. responsible for managing every incoming complaint.
Sepanjang tahun 2021, Customer Care mencatat Throughout 2021, Customer Care recorded the
jumlah pengaduan yang diterima terkait produk number of complaints received regarding Bank
dan/atau layanan Bank Sinarmas sebanyak 10.971 Sinarmas products and/or services as many as 10,971
laporan. Jenis pengaduan yang diterima, antara reports. Types of complaints received include ATM,
lain mengenai ATM, internet banking, dan mobile internet banking, and mobile banking, most of which
banking, yang sebagian besar diterima melalui call are received through call centers. Bank Sinarmas
center. Bank Sinarmas mencatat capaian pengelolaan noted the achievements of complaint management
pengaduan mengingat dari jumlah pengaduan yang considering that from the number of complaints
diterima, Bank Sinarmas telah menindaklanjuti dan received, Bank Sinarmas has followed up and resolved
menyelesaikan sebanyak 100% dari pengaduan. 100% of complaints.
PENGADUAN MASYARAKAT MENGENAI ASPEK PUBLIC COMPLAINTS REGARDING THE ASPECT

KEUANGAN BERKELANJUTAN OF SUSTAINABLE FINANCE
Hingga akhir 2021, Bank Sinarmas tidak menerima By the end of 2021, Bank Sinarmas did not receive
pengaduan dari nasabah maupun masyarakat terkait customer or community complaints on social and
dengan isu sosial maupun lingkungan. Dengan environmental issues. Thus, Bank Sinarmas omits the
demikian, Bank Sinarmas belum dapat melaporkan number and content of Environmental complaints in
perihal jumlah dan materi pengaduan lingkungan the respective Sustainability Report.
hidup dalam Laporan Keberlanjutan ini.
“
Bank Sinarmas mencermati peningkatan
peluang atas pembiayaan kepada usaha
berkelanjutan, dan meningkatkan kegiatan
operasional usaha agar lebih bertanggung
jawab sesuai dengan prinsip keberlanjutan
Bank Sinarmas identifies the opportunities for

sustainable financing and improving our business
operations to be more responsible in accordance
with the sustainability principles
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TANGGUNG JAWAB SUSTAINABLE PRODUCT AND/

PENGEMBANGAN PRODUK OR SERVICE DEVELOPMENT
DAN/ATAU JASA KEUANGAN RESPONSIBILITY
BERKELANJUTAN
Bank Sinarmas meyakini prinsip kesetaraan dalam Bank Sinarmas believes in the principle of equality in
pemberian layanan atas produk dan/atau jasa providing services for sustainable financial products
keuangan berkelanjutan. Sebagai bentuk tanggung and/or services. As a form of responsibility to all
jawab kepada seluruh pemangku kepentingan, kami stakeholders, we aspire to provide equal products and
beraspirasi untuk memberikan pelayanan produk services for all customers and partners.
dan jasa yang setara bagi semua nasabah dan mitra.
Bank Sinarmas terus berupaya melakukan inovasi dan Bank Sinarmas strives to innovate and develop
pengembangan produk melalui transformasi digital Bank Sinarmas strives to innovate and develop
guna menambah jumlah dan persentase produk digital products to increase sustainable financial
dan jasa keuangan berkelanjutan. Pengembangan products and services. Sustainable finance digital
transformasi digital dalam keuangan berkelanjutan transformation will become a new norm in banking
ini akan terus dilakukan hingga menjadi norma baru operations. With digitalization, customers no
di dalam kegiatan operasional perbankan. Nasabah longer need to come to the bank offices to make
tidak perlu lagi datang ke bank untuk melakukan transactions; thus, it decreases the commute to reach
transaksi sehingga secara tidak langsung dapat bank offices and indirectly encourages fuel savings.
membantu pengurangan tingkat polusi dan emisi Ultimately, technological transformation can help
akibat berkurangnya aktivitas transportasi. reduce pollution and emissions levels produced by
people’s transportation activities.
Untuk mendukung komunikasi dan layanan tanpa batas

kepada nasabah, Bank Sinarmas juga menyediakan layanan
call center selama 24 jam. Layanan yang diberi nama Bank
Sinarmas CARE bisa dihubungi melalui nomor 1500153 atau
(021) 501 88888.
Bank Sinarmas provides call center services for 24 hours to

support unlimited communication and services to customers.
The service, Bank Sinarmas CARE, can be contacted via
number 1500153 or (021) 501 88888.
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BANK 2021
DAMPAK PRODUK DAN/ATAU JASA KEUANGAN IMPACT OF SUSTAINABLE FINANCIAL PRODUCT

BERKELANJUTAN AND/OR SERVICEUCT AND/OR SERVICE
Sebagai bagian dari komitmen penerapan keuangan As part of the commitment to implementing
berkelanjutan, Bank Sinarmas mendukung sustainable finance, Bank Sinarmas supports KKUB
pembiayaan KKUB. Bank telah memiliki sistem financing. The Bank has an internal audit system
audit internal yang melaksanakan aktivitas audit that carries out internal audit activities related to
internal terkait dampak negatif yang dihasilkan atas the negative impacts generated by KKUB financing.
pembiayaan KKUB. Bank belum mencatat adanya The Bank has not recorded any negative impacts
dampak negatif yang timbul dari kegiatan bisnis arising from sustainable finance business activities
keuangan berkelanjutan sepanjang tahun 2021. throughout 2021.
EVALUASI KEAMANAN PRODUK DAN/ATAU PRODUCT AND/OR SERVICE SAFETY

JASA EVALUATION
Bank Sinarmas selalu melakukan evaluasi keamanan Bank Sinarmas evaluates banking products safety,
produk perbankan, seperti tabungan, deposito, such as savings and time deposits, before product
sebelum produk tersebut diluncurkan. Proses evaluasi launching. The process of evaluating the safety of
atas keamanan produk dan/atau jasa juga melibatkan products and/or services also involves external parties,
pihak eksternal, seperti Bank Indonesia dan Otoritas such as Bank Indonesia and the Financial Services
Jasa Keuangan (OJK). Bank selalu memenuhi Authority (OJK). The Bank always complies with
peraturan dan persyaratan Otoritas Jasa Keuangan the regulations and requirements of the Financial
dalam menyediakan produk dan/atau jasa keuangan. Services Authority in providing financial products
Prosedur evaluasi sudah sesuai dengan persyaratan and/or services. The evaluation procedure is in
yang digariskan oleh UU No. 10 Tahun 1998 tentang accordance with the requirements outlined by Law
Perubahan atas Undang-Undang No.7 Tahun no. 10 of 1998 concerning Amendments to Law No.
1992 tentang Perbankan serta Peraturan Otoritas 7 of 1992 concerning Banking and Regulation of the
Jasa Keuangan (OJK) No.1/POJK.07/2013 tentang Financial Services Authority (OJK) No.1/POJK.07/2013
Perlindungan Konsumen Sektor Jasa Keuangan. concerning Consumer Protection in the Financial
Services Sector
Terkait dengan manajemen risiko, Unit Risk In relation to risk management, the Risk Management
Management melakukan kajian risiko terhadap Unit conducts a risk assessment on plans for the
rencana penerbitan produk dan aktivitas baru sesuai issuance of new products and activities in accordance
dengan Peraturan OJK No.18/POJK.03/2016 tentang with OJK Regulation No.18/POJK.03/2016 concerning
Penerapan Manajemen Risiko bagi Bank Umum dan the Implementation of Risk Management for
Peraturan Pelaksanaannya. Selama tahun 2021 tidak Commercial Banks and its Implementing Regulations.
ada produk dan/jasa keuangan yang ditarik kembali. During 2021 there will be no recalled financial products
and/or services.
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2021 BANK
SURVEI KEPUASAN PELANGGAN CUSTOMER SATISFACTION SURVEY
Secara berkala, Bank Sinarmas melakukan Bank Sinarmas periodically measures the level of
pengukuran tingkat kepuasan nasabah terhadap customer satisfaction on products and services
informasi produk dan layanan yang diberikan. provided. Bank Sinarmas uses are 2 customer
Bank menggunakan 2 metode survei untuk lebih satisfaction survey methods to better understand our
memahami nasabah, yaitu: customers:
1. Nilai Kepuasan Nasabah Melalui Koin/Tab/Scan 1. Customer Satisfaction Value Through Coins/Tabs/
QR QR Scan
Nasabah akan memberikan penilaian untuk The customer will provide an assessment for
petugas CSSO/Teller yang melayani dengan CSSO/Teller officers who serve using coins/tabs/
menggunakan koin/tab/scan QR setiap selesai QR scans after each transaction at CSSO and Teller,
bertransaksi di CSSO dan Teller, dengan 3 with 3 ratings, namely poor, good, and excellent.
penilaian yaitu poor, good, dan excellent. Hasil The survey results are analyzed quarterly, as
survei tersebut dianalisis setiap triwulan, sebagai follows:
berikut:
Rata-rata Persentase Koin Kepuasan

Percentage Average of Satisfaction Coin
Uraian
Poor Good Excellent
Uraian
Kantor Konvensional
0,019% 9,799% 90,182%
Conventional Office
Kantor Sharia
0,006% 8,015% 91,979%
Sharia Office
2. Telepon kepada Nasabah 2. Telephone to Customers

Bank Sinarmas melakukan survei melalui Bank Sinarmas conducts a survey by telephone to
telepon kepada nasabah tiap semester, dengan customers every semester, by asking open-ended
memberikan pertanyaan terbuka untuk questions to receive input from customers so as
menerima masukan dari nasabah sehingga to improve the quality of digital services.
meningkatkan kualitas pelayanan digital.
Hasil survei nasabah pengguna SimobiPlus The results of the survey of SimobiPlus users for
periode 09 Juni s.d. 05 Juli 2021, sebagai berikut: the period 09 June to d. 05 July 2021, as follows:
a. Top 3 masukan untuk menu/fitur SimobiPlus; a. Top 3 entries for SimobiPlus menus/features;
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BANK 2021
Keterangan Persentase
No
Description Percentage
1 Tidak ada masukan

65,55%
No input
2 Penambahan channel pembayaran & Top Up

13,33%
Adding payment channels & Top Up
3 Adanya menu dan detail riwayat transaksi

10,56%
There is a menu and transaction history details
b. Untuk tampilan SimobiPlus sudah bagus b. For SimobiPlus display is good according to
menurut 95,93% nasabah; 95.93% of customers;
c. Nilai user interface SimobiPlus dari 42,01% c. The value of SimobiPlus's user interface from
nasabah adalah 8; 42.01% of customers is 8;
d. Top 3 pengalaman nasabah saat d. Top 3 customer experiences when using
menggunakan SimobiPlus. SimobiPlus.
No
1 Tidak ada yang mengalami kendala

52,49%
No one has any problems
2 Lemot & error

8,05%
Slow & error
3 Gagal transaksi
7,73%
Transaction failed
Kesimpulan:
Conclusion:
42,01%
13,33% Nilai rata-rata terbanyak untuk Penilaian
User Interface (tampilan visual/desain)
Masukan untuk fitur/menu SimobiPlus terbanyak
(Skala Nilai 1-10) adalah 8
adalah penambahan channel pembayaran & Top Up
The highest average score for User
The most inputs for SimobiPlus features/menus are the
Interface Assessment (visual appearance/
addition of payment channels & Top Up
design) (Scale 1-10) is 8
52,49%
Pengalaman terbanyak
nasabah adalah tidak ada
kendala saat menggunakan
95,93% SimobiPlus
Tidak ada masukan untuk Most customers experience
tampilan SimobiPlus (tampilan is that there are no problems
sudah bagus) when using SimobiPlus
No input for SimobiPlus display
(display is already good)
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Hasil survei Net Promotor Score (NPS) nasabah The results of the Net Promoter Score (NPS) survey of
pengguna SimobiPlus periode 19 Juli s.d. 27 Juli 2021, SimobiPlus users for the period 19 July to 19 July. 27
sebagai berikut: July 2021, as follows:
a. Perhitungan Hasil NPS; a. NPS Result Calculation
Merekomendasikan SimobiPlus kepada kerabat/teman yang belum menggunakan (1-10)

Recommend SimobiPlus to relatives/friends who haven’t used it yet (1-10)
Persentase
1 2 5 6 7 8 9 10 Percentage
1 0,45%
Jumlah Nasabah
Number of Customers 2 0,45%
8 25,23% 3 3,15%
1
4 2,70%
1
5 9,01%
7
20 6 36,49%
81
50
7 22,52%
56
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BANK 2021
Sesuai dengan hasil rumus perhitungan NPS di atas, In accordance with the results of the NPS calculation
didapatkan nilai NPS 41. Nilai tersebut berada di from the formula above, the NPS value is 41. The
atas nilai average range of NPS accross industries value was above the average range of NPS across
kategori Bank sebesar 21 yang dirilis oleh Temkin industries for the Bank category, which value of
Group Q3 2018 Consumer Benchmark Survey. 21, released by Temkin Group Q3 2018 Consumer
Benchmark Survey.
Promotor: Pelanggan yang menjawab pertanyaan dengan 9 atau 10 disebut promotor. Promotor biasanya adalah
Promoter: pelanggan setia dan puas yang akan mendatangkan lebih banyak pelanggan untuk Anda melalui
pemasaran rujukan.
A customer who answers a question with a 9 or 10 is called a promoter. Promoters are usually loyal and
satisfied customers who will bring in more customers for you through referral marketing.
Pasif: Pelanggan yang menjawab pertanyaan dengan 7 atau 8 disebut pasif. Pasif cukup puas dan biasanya
Passive: tidak memberikan rekomendasi positif atau negatif. Oleh karena itu, mereka lebih cenderung bisa
berpindah ke merek oleh pesaing.
A customer who answers a question with 7 or 8 is called passive. Passive is quite content and usually
doesn’t give a positive or negative recommendation. Therefore, they are more likely to be able to
switch brands by competitors.
Detractors: Pelanggan yang menjawab pertanyaan dengan 0 sampai 6 disebut detractors atau pencela.
Detractors bukan hanya yang paling tidak puas, tetapi juga dapat beralih ke pesaing Anda paling awal
serta membuat merek Anda tidak disukai orang lain.
Customers who answer questions with 0 to 6 are called detractors. Detractors are not only the most
dissatisfied, they can also turn to your competitors early and put your brand out of favor.
b. Top 3 alasan merekomendasikan SimobiPlus b. Top 3 reasons to recommend SimobiPlus to

kepada kerabat/teman yang belum relatives/friends who haven’t used it yet;
menggunakan;
Alasan merekomendasikan SimobiPlus kepada kerabat/teman

yang belum menggunakan
Reasons for recommending SimobiPlus to relatives/friends who
haven’t used it yet
44,91%
Mudah dan cepat saat transaksi
Easy and fast during transactions
31,16%
SimobiPlus bagus
SimobiPlus is good
10,70%
Pembayaran fitur gratis SKN
SKN free feature payment
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c. Top 3 alasan tidak merekomendasikan c. Top 3 reasons not to recommend SimobiPlus

SimobiPlus kepada kerabat/teman yang to relatives/friends who haven’t used it yet:
belum menggunakan:
Alasan tidak merekomendasikan SimobiPlus kepada

kerabat/teman yang belum menggunakan Karena sudah banyak yang menggunakan SimobiPlus
Alasan tidak merekomendasikan SimobiPlus kepada sehingga tidak perlu ditawarkan lagi
kerabat/teman yang belum menggunakan Reasons for not recommending SimobiPlus to r
elatives/friends who haven’t used it yet
17,39%
17,39% Karena nasabah memang tidak
berniat mempromosikan
Because the customer does not
intend to promote
9,25%
Kadang ada trouble
(error/gagal transaksi)
Sometimes there are trouble
(errors/failed transactions)
d. Top 3 saran untuk SimobiPlus ke depannya; d. Top 3 suggestions for SimobiPlus going
33,62% forward;
Saran untuk
SimobiPlus ke
Tidak ada saran
depannya
No suggestions
Suggestions for
SimobiPlus in the
future
Agar tidak gangguan/error

So that there are no disturbances/errors
9,69%
7,86%
Diperbanyak merchant pembayaran
So that there are no disturbances/errors
e. Top 3 fitur/menu SimobiPlus yang sering e. Top 3 frequently used SimobiPlus features/
digunakan; menus;
Fitur/ menu SimobiPlus yang sering digunakan

SimobiPlus features/menus that are frequently used Menu transfer
Transfer menu
51,18%
42,06%
Menu pembayaran
Payment menu
Scan QR
1,47% Scan QR
605
BANK 2021
f. Top 3 alasan puas menggunakan SimobiPlus; f. Top 3 reasons to be satisfied using SimobiPlus;
Alasan puas menggunakan SimobiPlus

Top 3 reasons to be satisfied using SimobiPlus;
52,25%
Mudah dan cepat saat transaksi

Easy and fast during transactions
18,47% Gagal transaksi

Transaction failed
14,86%
Lemot dan error

Slow and error
g. Top 3 pengalaman nasabah selama menggunakan g. Top 3 customer experiences while using
SimobiPlus; SimobiPlus
Pengalaman nasabah selama menggunakan SimobiPlus

Customer experience while using SimobiPlus
42,38%
Tidak ada kendala
No problem
Gagal transaksi
Transaction failed
13,33%
9,25%
Lemot dan error
Slow and error
606
2021 BANK
Kesimpulan:
Conclusion:
No
1 Alasan terbanyak merekomendasikan SimobiPlus kepada kerabat/teman yang belum

menggunakan adalah mudah dan cepat saat transaksi
44,19%
The most reason for recommending SimobiPlus to relatives/friends who haven’t used it is that
it’s easy and fast when making transactions
2 Alasan terbanyak tidak merekomendasikan SimobiPlus kepada kerabat/teman yang belum

menggunakan adalah karena sudah banyak yang menggunakan SimobiPlus sehingga tidak
perlu ditawarkan lagi 17,39%
The most reason for not recommending SimobiPlus to relatives/friends who have not used it is
because many have used SimobiPlus so it doesn’t need to be offered anymore.
3 Saran terbanyak untuk SimobiPlus kedepannya adalah agar tidak gangguan/error

9,69%
The most advice for SimobiPlus in the future is to avoid interference/errors
4 Fitur/menu SimobiPlus terbanyak yang sering digunakan adalah menu transfer

51,18%
The most frequently used SimobiPlus feature/menu is the transfer menu
5 Alasan terbanyak nasabah puas menggunakan SimobiPlus adalah mudah dan cepat saat
transaksi
52,25%
The reasons of most customers are satisfied using SimobiPlus is that it is easy and fast when
making transactions
6 Pengalaman terbanyak nasabah adalah tidak ada kendala saat menggunakan SimobiPlus
42,38%
he experience of most customers is that there are no problems when using SimobiPlus
TANGGAPAN TERHADAP UMPAN BALIK RESPONSE TO 2020 SUSTAINABILITY REPORT

LAPORAN KEBERLANJUTAN 2020 FEEDBACK
Atas laporan keberlanjutan tahun 2020, Bank Regarding the 2020 sustainability report, Bank
Sinarmas belum mendapatkan umpan balik dari Sinarmas has not received any feedback from
pemangku kepentingan. Bank terus melakukan stakeholders. The Bank continues to make
perbaikan agar dapat memberikan informasi yang improvements in order to provide clear and useful
jelas dan bermanfaat bagi segenap pembaca. information for all readers.
607
BANK 2021
LAMPIRAN
Appendix
Tabel 01.a Pengungkapan Kuantitatif Struktur Permodalan Bank Umum

(Dalam Jutaan Rupiah)
KOMPONEN MODAL 31-Dec-21 31-Dec-20
I Modal Inti (Tier 1) 5.571.952

6.943.147
1 Modal Inti Utama/Common Eqiuty Tier 1 (CET 1) 5.571.952

6.943.147
1.1 Modal disetor (Setelah dikurangi Treasury Stock) 1.746.180 1.746.180
1.2 Cadangan Tambahan Modal 4.165.734

5.564.080
1.2.1 Faktor penambah 5.656.956 4.351.060
1.2.1.1 Pendapatan komprehensif lainnya 419.925 650.751
1.2.1.1.1 Selisih lebih penjabaran laporan keuangan - -

Potensi keuntungan dari peningkatan nilai wajar
aset keuangan
1.2.1.1.2 26.181 257.007
yang diukur pada nilai wajar melalui penghasilan
komprehensif lain
1.2.1.1.3 Saldo surplus revaluasi aset tetap 393.744 393.744
Cadangan tambahan modal lainnya (other disclosed
1.2.1.2 5.237.031 3.700.309
reserves)
1.2.1.2.1 Agio 2.368.655 2.368.655
1.2.1.2.2 Cadangan umum 8.500 8.000
1.2.1.2.3 Laba tahun-tahun lalu 1.323.153 1.205.132
1.2.1.2.4 Laba tahun berjalan 127.748 118.522
1.2.1.2.5 Dana setoran modal 1.408.975 -
1.2.1.2.6 Lainnya - -
1.2.2 Faktor pengurang (92.876) (185.327)
1.2.2.1 Pendapatan komprehensif lainnya (12.601) (12.797)
1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - -
Potensi kerugian dari penurunan nilai wajar aset
1.2.2.1.2 keuangan yang diukur pada nilai wajar melalui (12.601) (12.797)
penghasilan komprehensif lain
Cadangan tambahan modal lainnya (other disclosed
1.2.2.2 (80.275) (172.530)
reserves)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Rugi tahun-tahun lalu - -
1.2.2.2.3 Rugi tahun berjalan - -
Selisih kurang antara Penyisihan Penilaian Kualitas
1.2.2.2.4 Aset (PPKA) dan Cadangan Kerugian Penurunan - -
Nilai (CKPN) atas aset produktif
Selisih kurang jumlah penyesuaian nilai wajar dari
1.2.2.2.5 - -
instrumen keuangan dalam Trading Book
1.2.2.2.6 PPKA non-produktif (80.275) (172.530)
31-Dec-21 31-Dec-20
ASET TERTIMBANG MENURUT RISIKO
ATMR RISIKO KREDIT 17.777.390 23.688.232
ATMR RISIKO PASAR 76.368 4.946.970
ATMR RISIKO OPERASIONAL 5.668.202 5.281.034
608
2021 BANK
KOMPONEN MODAL 31-Dec-21 31-Dec-20

1.2.2.2.7 Lainnya - -
1.3 Kepentingan Non Pengendali yang dapat diperhitungkan -

-
1.4 Faktor Pengurang Modal Inti Utama 367.113 339.961
1.4.1 Pajak Tangguhan 64.120 54.930
1.4.2 Goodwill - -
1.4.3 Aset tidak Berujud 302.993 285.031
1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang - -
1.4.5 Kekurangan modal pada perusahaan anak asuransi - -
1.4.6 Eksposur sekuritisasi - -
1.4.7 Faktor Pengurang modal inti utama lainnya - -
Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada
1.4.7.1 - -
bank lain
Kepemilikan silang pada entitas lain yang diperoleh
1.4.7.2 berdasarkan peralihan karena hukum, hibah, atau hibah - -
wasiat
Eksposur yang menimbulkan Risiko Kredit akibat kegagalan
1.4.7.3 - -
settlement (settlement risk) - Non Delivery Versus Payment
Eksposur di Perusahaan Anak yang melakukan kegiatan
1.4.7.4 - -
usaha berdasarkan prinsip syariah (apabila ada)
2 Modal Inti Tambahan/Additional Tier 1 (AT-1) -

-
2.1 Instrumen yang memenuhi persyaratan AT1 - -
2.2 Agio/Disagio - -
2.3 Faktor Pengurang modal inti tambahan - -
Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank
2.3.1 - -
lain
Kepemilikan silang pada entitas lain yang diperoleh berdasarkan
2.3.2 - -
peralihan karena hukum, hibah, atau hibah wasiat
II Modal Pelengkap (Tier 2) 292.736

(94.553)
Instrumen modal dalam bentuk saham atau lainnya yang memenuhi
1 - -
persyaratan Tier 2
2 Agio/Disagio - -
Cadangan umum PPKA atas aset produktif yang wajib dihitung (paling tinggi
3 222.217 292.736
1,25% ATMR Risiko Kredit)
4 Faktor Pengurang Modal Pelengkap -

316.770
4,1 Sinking Fund - -
4,2 Penempatan dana pada instrumen Tier 2 pada bank lain 316.770 -
Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan
4,3 - -
karena hukum, hibah, atau hibah wasiat
Total Modal 6.848.594 5.864.688
31-Dec-21 31-Dec-20
RASIO KPMM
Rasio CET 1 (%) 29,52% 16,43%
Rasio Tier 1 (%) 29,52% 16,43%
Rasio Tier 2 (%) -0,40% 0,86%
609
BANK 2021
TOTAL ATMR 23.521.960 33.916.236
RASIO KPMM SESUAI PROFIL RISIKO (%) 10,00% 9,00%
ALOKASI PEMENUHAN KPMM SESUAI PROFIL RESIKO
Dari CET1 (%) 10,40% 8,15%
Dari AT1 (%) 0,00% 0,00%
Dari Tier 2 (%) -0,40% 0,85%
Tabel 01.a.1. Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individu
31-December-2021
No. Kategori Portofolio
Tagihan Bersih Berdasarkan Wilayah
Wilayah - 01 Wilayah - 02 Wilayah - 03 Wilayah - 04 Wilayah - 05 Wilayah - 06
(1) (2) (3) (4) (5) (6) (7) (8)
01 Tagihan Kepada Pemerintah

- - - 23.354.971 4.018.499 -
Tagihan Kepada Entitas Sektor

02
Publik - - - 1.852.607 - -
Tagihan Kepada Bank

03 Pembangunan Multilateral
- - - - - -
dan Lembaga Internasional
04 Tagihan Kepada Bank

5 5 - 3.190.293 - -
Kredit Beragun Rumah

05
Tinggal - 139 - 1.568 3.773 -
Kredit Beragun Properti

06
Komersial - - - - - -
07 Kredit Pegawai/Pensiunan
- - - - - -
Tagihan Kepada Usaha Mikro,

08 Usaha Kecil dan Portofolio
380.039 678.230 33.253 1.466.250 77.951 562.456
Ritel
09 Tagihan kepada Korporasi

63.243 131.276 42.333 8.663.950 1.791.407 142.954
Tagihan yang Telah Jatuh

10
Tempo 2 13 - - 5 9
11 Aset Lainnya
- - - 4.212.192 - -
Total 443.288 809.662 75.586 42.741.831 5.891.635 705.418
610
2021 BANK
Rasio KPMM (%) 29,12% 17,29%
CET 1 UNTUK BUFFER (%) 19,12% 8,28%
PERSENTASE BUFFER YANG WAJIB

DIPENUHI OLEH BANK (%)
Capital Conservation Buffer (%) 2,50% 0,00%
Countercyclical Buffer (%) 0,00% 0,00%
Capital Surcharge untuk bank sistemik (%) 0,00% 0,00%
31-December-2021
Tagihan Bersih Berdasarkan Wilayah
Wilayah Wilayah
Wilayah - 07 Wilayah - 10 Wilayah - 11 Wilayah - 12 Wilayah - 13 Wilayah - 14 Total
- 08 - 09
(9) ( 10 ) ( 11 ) ( 12 ) ( 13 ) ( 14 ) ( 15 ) ( 16 ) ( 17 )
- - - - - - - - 27.373.470
- - - - - - - - 1.852.607
- - - - - - - - -
- - - 2 - 3 - - 3.190.307
- - - - - - - - 5.480
- - - - - - - - -
- - - - - - - - -
475.431 307.171 277.807 291.754 242.190 921 181.716 30.190 5.005.357
63.497 152.288 43.123 105.264 77.737 7.767 77.333 108.659 11.470.833
37 80 47 75 2 - 9 - 279
- - - - - - - - 4.212.192
538.966 459.539 320.977 397.094 319.929 8.691 259.058 138.849 53.110.524
611
BANK 2021
Tabel 01.a.1. Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individu
No. Kategori Portofolio
Wilayah - 01 Wilayah - 02 Wilayah - 03 Wilayah - 04 Wilayah - 05 Wilayah - 06 Wilayah - 07
( 18 ) ( 19 ) ( 20 ) ( 21 ) ( 22 ) ( 23 ) ( 24 )
- 2.783.751 - 14.004.025 - - -
- - - 1.854.689 - - -
- - - - - - -
9 5 - 2.321.183 - - -
- 4.054 - 3.168 - 215 -
- - - - - - -
- - - - - - -
414.129 594.666 28.536 338.238 14.101 602.746 486.700
108.709 3.004.809 66.686 10.884.231 18.565 143.454 73.676
2.324 6.336 9 136.143 1.041 11.844 9.553
- - - 5.380.014 - - -
525.171 6.393.621 95.231 34.921.692 33.708 758.259 569.928
612
2021 BANK
31-December-2021
Wilayah - 08 Wilayah - 09 Wilayah - 10 Wilayah - 11 Wilayah - 12 Wilayah - 13 Wilayah - 14 Total
( 25 ) ( 26 ) ( 27 ) ( 28 ) ( 29 ) ( 30 ) ( 31 ) ( 32 )
- - - - - - - 16.787.776
- - - - - - - 1.854.689
- - - - - - - -
750 - 2 - 3 - - 2.321.952
- - - - - - - 7.437
- - - - - - - -
- - - - - - - -
336.666 290.386 285.718 229.957 648 184.212 24.362 3.831.065
132.546 41.961 125.801 277.041 4.436 70.243 74.232 15.026.390
3.570 6.566 6.143 2.422 - 4.579 268 190.798
- - - - - - - 5.380.014
473.533 338.913 417.663 509.420 5.086 259.034 98.863 45.400.122
613
BANK 2021
Tabel 02.a.1. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individu
Kategori
31-December-2021
No. Portofolio
Tagihan bersih berdasarkan sisa jangka waktu kontrak
>1 thn s.d. 3 >3 thn s.d. Non-

< 1 tahun > 5 thn Total
thn 5 thn Kontraktual
(1) (2) (3) (4) (5) (6) (7) (8)
Tagihan Kepada
01
Pemerintah 14.868.835 2.212.181 - 10.292.453 - 27.373.470
Tagihan Kepada
02 Entitas Sektor
346.870 - 50.112 1.455.624 - 1.852.607
Publik
Tagihan
Kepada Bank
Pembangunan
03
Multilateral - - - - - -
dan Lembaga
Internasional
Tagihan Kepada
04
Bank 3.147.947 467 - 41.892 - 3.190.307
Kredit Beragun
05
Rumah Tinggal 26 2.835 487 2.132 - 5.480
Kredit Beragun
06
Properti Komersial - - - - - -
Kredit Pegawai/
07
Pensiunan - - - - - -
Tagihan Kepada
Usaha Mikro, Usaha
08 4.874.379 27.433 81.131 22.413 -
Kecil dan Portofolio 5.005.357
Ritel
Tagihan kepada
09 6.678.974 211.578 422.313 4.157.967 - 11.470.833
Korporasi
Tagihan yang Telah
10 279 - - - - 279
Jatuh Tempo
11 Aset Lainnya - - - - 4.212.192

4.212.192
Total 29.917.311 2.454.496 554.044 15.972.481 4.212.192 53.110.524
614
2021 BANK
31-December-2020
Tagihan bersih berdasarkan sisa jangka waktu kontrak
>1 thn s.d. 3

< 1 tahun >3 thn s.d. 5 thn > 5 thn Non-Kontraktual Total
thn
(9) ( 10 ) ( 11 ) ( 12 ) ( 13 ) ( 14 )
- 5.284.131 16.787.776
11.503.645 - -
- 1.854.689 1.854.689
- - -
- - -
- - -
- 47.341 2.321.952
2.173.772 100.838 -
3.436 3.778 7.437

- 223 -
- - -
- - -
- - -
- - -
14.316 17.699 3.831.065

3.773.108 25.943 -
144.706 3.000.198 15.026.390

11.780.226 101.261 -
190.798 - - - - 190.798
- - - - 5.380.014
5.380.014
29.421.548 228.265 162.459 10.207.836 5.380.014 45.400.122
615
BANK 2021
Tabel 03.a.1. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individu
31-December-2021
Tagihan Kepada
Tagihan
No. Sektor Ekonomi Tagihan Bank Pembangunan
Kepada
Kepada Multilateral
Entitas
Pemerintah dan Lembaga
Sektor Publik
Internasional
(1) (2) (3) (4) (5)

01 Pertanian, Kehutanan, dan Perikanan - - -
02 Pertambangan dan Penggalian - - -
03 Industri pengolahan - - -
04 Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin - - -
Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur

05 - - -
Ulang Sampah
06 Konstruksi - - -
Perdagangan besar dan eceran; Reparasi dan Perawatan Mobil

07 3.465.216 - -
dan Sepeda Motor
08 Pengangkutan dan Pergudangan - 346.870 -

09 Penyediaan Akomodasi dan Penyediaan Makan Minum - - -
10 Informasi dan Komunikasi - - -
11 Aktivitas Keuangan dan Asuransi 23.908.253 1.505.736 -
12 Real Estate - - -
13 Aktivitas Profesi, Ilmiah, dan Teknis - - -
Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi,

14 - - -
Ketenagakerjaan, Agen Perjalanan, dan Penunjang Usaha Lainnya
Administrasi Pemerintahan, Pertahanan, dan Jaminan Sosial

15 - - -
Wajib
16 Pendidikan - - -
17 Aktivitas Kesehatan Manusia dan Aktivitas Sosial - - -
18 Kesenian, Hiburan, dan Rekreasi - - -
19 Aktivitas Jasa Lainnya - - -
20 Aktivitas Rumah Tangga sebagai Pemberi Kerja - - -
Aktivitas Badan Internasional dan Badan Ekstra Internasional
21 - - -
Lainnya
616
2021 BANK
Tagihan
Kredit Kredit Kepada Usaha Tagihan
Tagihan Kredit Tagihan
Beragun Beragun Mikro, Usaha yang Telah Aset
Kepada Pegawai/ kepada
Rumah Properti Kecil dan Jatuh Lainnya
Bank Pensiunan Korporasi
Tinggal Komersial Portofolio Tempo
Ritel
(6) (7) (8) (9) ( 10 ) ( 11 ) ( 12 ) ( 13 )
- - - - 416.604 1.318.422 - -
- - - - 1.114 69.384 - -
- - - - 1.138.093 474.077 4 -
- - - - 573 345.411 - -
- - - - - - - -
- - - - 4.191 148.372 - -
- - - - 985.920 1.848.591 219 -
- - - - 20.783 983.311 - -
- - - - 84.181 40.175 - -
- - - - - - - -
3.190.307 - - - 203.924 4.842.173 - -
- - - - 10.875 739.369 - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - 2.796 8.968 - -
- - - - 4.364 145.261 - -
- - - - 147.000 421.141 - -
- - - - - - - -
- 5.480 - - 1.789.106 43.585 56 -
- - - - - - - -
617
BANK 2021
31-December-2021
Tagihan Kepada
Tagihan
No. Sektor Ekonomi Tagihan Bank Pembangunan
Kepada
Kepada Multilateral
Entitas
Pemerintah dan Lembaga
Sektor Publik
Internasional
(1) (2) (3) (4) (5)

22 Bukan Lapangan Usaha - - -
23 Lainnya - - -
Total 27.373.470 1.852.607 -
31-December-2020
Tagihan Kepada
Bank Pembangunan
Tagihan Kepada Tagihan Kepada Tagihan Kepada Kredit Beragun
Multilateral
Pemerintah Entitas Sektor Publik Bank Rumah Tinggal
dan Lembaga
Internasional
( 14 ) ( 15 ) ( 16 ) ( 17 ) ( 18 )
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
2.439.215 - - - 58
- - - - -
- - - - -
1.017.997 - - - -
13.330.565 1.854.689 - 2.321.952 -
- - - - -
618
2021 BANK
Tagihan
Kredit Kredit Kepada Usaha Tagihan
Tagihan Kredit Tagihan
Beragun Beragun Mikro, Usaha yang Telah Aset
Kepada Pegawai/ kepada
Rumah Properti Kecil dan Jatuh Lainnya
Bank Pensiunan Korporasi
Tinggal Komersial Portofolio Tempo
Ritel
(6) (7) (8) (9) ( 10 ) ( 11 ) ( 12 ) ( 13 )
- - - - 195.007 42.111 - -
- - - - 827 480 - 4.212.192
3.190.307 5.480 - - 5.005.357 11.470.833 279 4.212.192
Tagihan Kepada
Kredit Beragun Tagihan yang
Kredit Pegawai/ Usaha Mikro, Tagihan kepada
Properti Telah Jatuh Aset Lainnya
Pensiunan Usaha Kecil dan Korporasi
Komersial Tempo
Portofolio Ritel
( 19 ) ( 20 ) ( 21 ) ( 22 ) ( 23 ) ( 24 )
- - 351.518 1.810.348 841 -
- - 968 300.847 82.052 -
- - 278.093 2.272.794 1.306 -
- - 1.241 364.705 - -
- - - - - -
- - 6.382 126.231 14.146 -
- - 826.123 3.266.521 9.301 -
- - 19.853 1.220.308 270 -
- - 76.754 42.470 14.512 -
- - 10.062 47.978 - -
- - 39.829 3.550.064 259 -
- - 12.680 1.372.220 25.765 -
619
BANK 2021
31-December-2020
Tagihan Kepada
Bank Pembangunan
Tagihan Kepada Tagihan Kepada Tagihan Kepada Kredit Beragun
Multilateral
Pemerintah Entitas Sektor Publik Bank Rumah Tinggal
dan Lembaga
Internasional
( 14 ) ( 15 ) ( 16 ) ( 17 ) ( 18 )
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - 7.379
- - - - -
- - - - -
- - - - -
16.787.776 1.854.689 - 2.321.952 7.437
620
2021 BANK
Tagihan Kepada
Kredit Beragun Tagihan yang
Kredit Pegawai/ Usaha Mikro, Tagihan kepada
Properti Telah Jatuh Aset Lainnya
Pensiunan Usaha Kecil dan Korporasi
Komersial Tempo
Portofolio Ritel
( 19 ) ( 20 ) ( 21 ) ( 22 ) ( 23 ) ( 24 )
- - - - - -
- - - - - -
- - 864 - - -
- - 3.232 2.553 15 -
- - 8.624 148.500 - -
- - 107.836 431.802 479 -
- - - - - -
- - 1.985.303 35.534 40.613 -
- - - - - -
- - 99.800 29.111 - -
- - 1.903 4.406 1.239 5.380.014
- - 3.831.065 15.026.390 190.798 5.380.014
621
BANK 2021
Tabel 04.a.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individu
No. Keterangan 31-December-2021
Wilayah
Wilayah 01 Wilayah 02 Wilayah 03 Wilayah 04 Wilayah 05 Wilayah 06
(1) (2) (3) (4) (5) (6) (7) (8)
01 Tagihan 451.297 841.625 78.577 44.752.971 6.299.220 726.333
02 Tagihan yang mengalami 4 25 - - 11 17

peningkatan dan pemburukan
risiko kredit
(Stage 2 dan Stage 3)
a. Belum jatuh tempo - - - - - -
b. Telah jatuh tempo 4 25 - - 11 17
03 CKPN - Stage 1 5.184 9.343 766 53.135 101.465 10.513
04 CKPN - Stage 2 1.157 2.513 1.131 487.050 274.350 3.217
05 CKPN - Stage 3 845 2.968 325 606.041 9.259 4.507
06 Tagihan yang dihapus buku 106.320 65.520 45.537 3.484.769 709.287 133.439
Tabel 04.a.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individu
No. Keterangan 31-December-2020
Wilayah
Wilayah 01 Wilayah 02 Wilayah 03 Wilayah 04 Wilayah 05 Wilayah 06
( 18 ) ( 19 ) ( 20 ) ( 21 ) ( 22 ) ( 23 )
01 Tagihan 540.038 6.785.001 100.923 36.985.273 35.913 789.193
02 Tagihan yang mengalami 4.217 14.278 29 718.930 2.606 17.641

peningkatan dan pemburukan
risiko kredit
(Stage 2 dan Stage 3)
a. Belum jatuh tempo - 372 - 477 - -
b. Telah jatuh tempo 4.217 13.906 29 718.453 2.606 17.641
03 CKPN - Stage 1 9.538 59.484 1.210 128.230 321 9.558
04 CKPN - Stage 2 2.758 289.867 632 388.611 264 10.251
05 CKPN - Stage 3 1.936 68.465 19 702.415 1.574 7.375
06 Tagihan yang dihapus buku 97.975 58.320 28.705 2.942.210 40.036 132.478
622
2021 BANK
Wilayah 07 Wilayah 08 Wilayah 09 Wilayah 10 Wilayah 11 Wilayah 12 Wilayah 13 Wilayah 14 Total
(9) ( 10 ) ( 11 ) ( 12 ) ( 13 ) ( 14 ) ( 15 ) ( 16 ) ( 17 )
560.311 483.136 334.138 415.145 332.014 9.024 269.528 142.012 55.695.332
65 139 83 130 4 - 13 - 490
- - - - - - - - -
65 139 83 130 4 - 13 - 490
6.256 5.740 4.010 4.940 3.912 15 3.097 1.891 210.267
2.809 1.442 2.369 1.850 980 - 1.303 133 780.303
2.052 2.014 2.187 1.712 671 - 942 68 633.591
69.709 44.994 33.422 60.230 35.407 5.004 66.657 6.263 4.866.557
Wilayah 07 Wilayah 08 Wilayah 09 Wilayah 10 Wilayah 11 Wilayah 12 Wilayah 13 Wilayah 14 Total
( 24 ) ( 25 ) ( 26 ) ( 27 ) ( 28 ) ( 29 ) ( 30 ) ( 31 ) ( 32 )
604.849 505.584 355.777 441.421 520.699 6.033 270.499 101.872 48.043.075
19.262 5.973 11.886 10.871 4.465 - 7.560 825 818.543
- - 366 - - - - - 1.215
19.262 5.973 11.520 10.871 4.465 - 7.560 825 817.328
6.484 7.010 4.696 6.950 6.308 22 3.662 1.472 244.944
7.523 4.485 5.132 3.259 2.735 - 3.209 363 719.089
10.199 2.514 5.360 4.646 2.202 - 2.951 578 810.236
79.560 48.938 28.899 52.750 42.212 5.028 437.400 6.028 4.000.540
623
BANK 2021
Tabel 05.a.1. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individu
No. Sektor Ekonomi 31-December-2021
Cadangan Cadangan Cadangan

kerugian kerugian kerugian Tagihan yang
Tagihan yang Mengalami
Tagihan penurunan penurunan penurunan dihapus
Penurunan Nilai (Impaired)
nilai (CKPN) - nilai (CKPN) - nilai (CKPN) - buku
Stage 1 Stage 2 Stage 3
Belum Jatuh Telah jatuh
Tempo tempo
(1) (2) (3) (4) (5) (6) (7) (8) (9)
01 Pertanian, Kehutanan, dan Perikanan 1.780.739 - - 29.452 1.475 328 2.399

02 Pertambangan dan Penggalian 222.429 - - 52 2.587 149.228 121.431
03 Industri pengolahan 1.652.479 - 6 17.055 700 1.045 40.490
04 Pengadaan Listrik, Gas, Uap/Air Panas dan 349.081 - - 3.097 1 - -
Udara Dingin
05 Pengelolaan Air, Pengelolaan Air Limbah, - - - - - - -
Pengelolaan dan Daur Ulang Sampah
06 Konstruksi 163.966 - - 1.701 167 - 68.419
07 Perdagangan besar dan eceran; Reparasi dan 7.168.184 - 378 87.084 434.994 276.001 2.287.531
Perawatan Mobil dan Sepeda Motor
08 Pengangkutan dan Pergudangan 1.383.386 - - 4.282 22.864 203 12.813
09 Penyediaan Akomodasi dan Penyediaan Makan 139.462 - - 1.089 471 5.866 71.493
Minum
10 Informasi dan Komunikasi - - - - - - -
11 Aktivitas Keuangan dan Asuransi 34.392.528 - - 21.086 28 - 868.278
12 Real Estate 1.256.609 - - 8.202 304.652 190.263 553.156
13 Aktivitas Profesi, Ilmiah, dan Teknis - - - - - - -
14 Aktivitas Penyewaan dan Sewa Guna Usaha - - - - - - -
Tanpa Hak Opsi, Ketenagakerjaan, Agen
Perjalanan, dan Penunjang Usaha Lainnya
15 Administrasi Pemerintahan, Pertahanan, dan - - - - - - -
Jaminan Sosial Wajib
16 Pendidikan 12.169 - - 104 - - -
17 Aktivitas Kesehatan Manusia dan Aktivitas 157.439 - - 7.763 - - 571
Sosial
18 Kesenian, Hiburan, dan Rekreasi 575.204 - - 5.647 602 314 290.345
19 Aktivitas Jasa Lainnya - - - - - - -
20 Aktivitas Rumah Tangga sebagai Pemberi Kerja 1.881.600 - 106 23.060 11.715 10.130 107
21 Aktivitas Badan Internasional dan Badan Ekstra - - - - - - -
Internasional Lainnya
22 Bukan Lapangan Usaha 344.620 - - 590 36 213 123.422
23 Lainnya 4.215.436 - - 5 12 - 426.101
Total 55.695.332 - 490 210.267 780.303 633.591 4.866.557
624
2021 BANK
31-December-2020
Tagihan yang
Cadangan kerugian Cadangan kerugian Cadangan kerugian
Mengalami Tagihan yang
Tagihan penurunan nilai penurunan nilai penurunan nilai
Penurunan Nilai dihapus buku
(CKPN) - Stage 1 (CKPN) - Stage 2 (CKPN) - Stage 3
(Impaired)
Belum Jatuh Tempo Telah jatuh tempo
( 10 ) ( 11 ) ( 12 ) ( 15 ) ( 16 ) ( 17 ) ( 18 )
2.212.971 10 1.709 20.114 2.851 999 2.236

493.153 - 190.284 55 872 108.233 134.582
2.753.357 - 3.632 18.020 144.122 2.682 45.412
369.799 - - 3.849 3 - -
- - - - - - -
180.259 - 36.162 1.919 94 22.016 36.296

7.187.244 443 31.231 61.471 488.769 23.877 2.290.058
1.308.218 - 548 12.728 969 278 14.301

153.606 11 29.615 674 3.272 15.335 43.134
- - - - - - 3.521
22.877.139 274 526 19.010 813 122.810 307.594
1.963.679 - 454.159 68.288 53.300 428.434 80.750
- - - - - - -
- - - - - - 18.312
879 - - 15 - - -
6.018 - 31 10 160 16 -
159.083 - - 1.588 143 - 599
550.294 - 972 5.594 3.368 636 285.941

- - - - - - 19
2.145.519 - 64.786 31.231 20.194 28.485 714
- - - - - - -
236.042 477 - 294 38 305 32.619

5.445.815 - 3.673 84 121 56.129 704.451
48.043.075 1.215 817.328 244.944 719.089 810.236 4.000.540
625
BANK 2021
Tabel 06.a.1. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individu
No. Keterangan
31 Desember 2021 31 Desember 2020
Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3
(1) (2) (3) (4) (5) (8) (9) ( 10 )
01 Saldo awal CKPN 246.094 718.077 810.097 381.959 527.609 1.085.976
02 Pembentukan (pemulihan) CKPN (35.822) 62.226 579.497 (135.862) 190.468 1.392.734

pada periode berjalan (Net)
2.a Pembentukan CKPN pada (35.822) 70.681 600.437 (135.862) 177.858 1.323.666
periode berjalan
2.b Pemulihan CKPN pada periode - 8.456 92.843 - 12.610 69.068
berjalan
03 CKPN yang digunakan untuk - - (756.003) - - (1.668.612)
melakukan hapus buku atas
tagihan pada peride berjalan
04 Pembentukan (pemulihan) lainnya (6) - - (2) - -

pada periode berjalan
Saldo akhir CKPN 210.267 780.303 633.591 246.094 718.077 810.097
Tabel 07.a.1. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individu
No Kategori Portofolio 31-December-2021
Tagihan Bersih
Lembaga Pemeringkat Peringkat Jangka panjang
Standard and Poor's AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
PT. Fitch Ratings AA+(idn) s.d AA- A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d BB-
AAA (idn)
Indonesia (idn) A-(idn) BBB-(idn) (idn)
PT Pemeringkat Efek id BBB+ s.d id
idAAA idAA+ s.d idAA- idA+ s.d id A- id BB+ s.d id BB-
Indonesia BBB-
(1) (2) (3) (4) (5) (6) (7) (8)
01 Tagihan Kepada Pemerintah - - - - -
02 Tagihan Kepada Entitas Sektor 671.072 - 621.870 212.794 -

Publik
03 Tagihan Kepada Bank - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
04 Tagihan Kepada Bank 32.608 68.350 868.426 1.928.841 -
05 Kredit Beragun Rumah Tinggal - - - - -
06 Kredit Beragun Properti - - - - -

Komersial
07 Kredit Pegawai/Pensiunan - - - - -
08 Tagihan Kepada Usaha Mikro, - - - - -

Usaha Kecil dan Portofolio Ritel
09 Tagihan kepada Korporasi 387.424 924.548 1.082.525 - 35.664
10 Tagihan yang Telah Jatuh - - - - -

Tempo
11 Aset Lainnya - - - - -
Total 1.091.104 992.898 2.572.821 2.141.635 35.664
626
2021 BANK
Peringkat Jangka Pendek
B+ s.d B- Kurang dari B- A-1 A-2 A-3 Kurang dari A-3
B+ s.d B- Kurang dari B- F1+ s.d F1 F2 F3 Kurang dari F3
B1 s.d B3 Kurang dari B3 P-1 P-2 P-3 Kurang dari P-3 Tanpa Peringkat Total
Kurang dari Kurang dari

B+(idn) s.d B-(idn) F1+(idn) s.d F1(idn) F2(idn) F3(idn)
B-(idn) F3(idn)
id B+ s.d id B- Kurang dari idB- idA1 idA2 idA3 s.d id A4 Kurang dari idA4
(9) ( 10 ) ( 11 ) ( 12 ) ( 13 ) ( 14 ) ( 15 ) ( 16 )
- - - - - - 27.373.470 27.373.470
- - - - - - 346.870 1.852.607
- - - - - - - -
- - - - - - 292.082 3.190.307
- - - - - - 5.480 5.480
- - - - - - - -
- - - - - - - -
- - - - - - 5.005.357 5.005.357
- - - - - - 9.040.671 11.470.833
- - - - - - 279 279
- - - - - - 4.212.192 4.212.192
- - - - - - 46.276.401 53.110.524
627
BANK 2021
No Kategori Portofolio 31 Desember 2020
Tagihan Bersih
Lembaga Pemeringkat Peringkat Jangka panjang
Standard and Poor's AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB-
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3
PT. Fitch Ratings AA+(idn) s.d AA- A+(idn) s.d. BBB+(idn) s.d BB+(idn) s.d BB-
AAA (idn)
Indonesia (idn) A-(idn) BBB-(idn) (idn)
PT Pemeringkat Efek id BBB+ s.d id
idAAA idAA+ s.d idAA- idA+ s.d id A- id BB+ s.d id BB-
Indonesia BBB-
( 17 ) ( 18 ) ( 19 ) ( 20 ) ( 21 ) ( 22 )
01 Tagihan Kepada Pemerintah - - - - -
02 Tagihan Kepada Entitas Sektor - - - 1.287.237 -

Publik
03 Tagihan Kepada Bank - - - - -
Pembangunan Multilateral dan
Lembaga Internasional
04 Tagihan Kepada Bank 47.338 39.693 1.382.305 477.038 -
05 Kredit Beragun Rumah Tinggal - - - - -
06 Kredit Beragun Properti - - - - -

Komersial
07 Kredit Pegawai/Pensiunan - - - - -
08 Tagihan Kepada Usaha Mikro, - - - - -

Usaha Kecil dan Portofolio Ritel
09 Tagihan kepada Korporasi 20.799 252.739 89.059 129.696 120.428
10 Tagihan yang Telah Jatuh - - - - -

Tempo
11 Aset Lainnya - - - - -
Total 68.138 292.432 1.471.364 1.893.972 120.428
628
2021 BANK
Peringkat Jangka Pendek
B+ s.d B- Kurang dari B- A-1 A-2 A-3 Kurang dari A-3
B+ s.d B- Kurang dari B- F1+ s.d F1 F2 F3 Kurang dari F3
B1 s.d B3 Kurang dari B3 P-1 P-2 P-3 Kurang dari P-3 Tanpa Peringkat Total
Kurang dari Kurang dari

B+(idn) s.d B-(idn) F1+(idn) s.d F1(idn) F2(idn) F3(idn)
B-(idn) F3(idn)
id B+ s.d id B- Kurang dari idB- idA1 idA2 idA3 s.d id A4 Kurang dari idA4
( 23 ) ( 24 ) ( 25 ) ( 26 ) ( 27 ) ( 28 ) ( 29 ) ( 30 )
- - - - - - 16.787.776 16.787.776
- - - - - - 567.452 1.854.689
- - - - - - - -
- - - - - - 375.577 2.321.952
- - - - - - 7.437 7.437
- - - - - - - -
- - - - - - - -
- - - - - - 3.831.065 3.831.065
- - - - - - 14.413.669 15.026.390
- - - - - - 190.798 190.798
- - - - - - 5.380.014 5.380.014
- - - - - - 41.553.789 45.400.122
629
BANK 2021
Tabel 08.a.1. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individu
No. Kategori Portofolio 31-December-2021

Beban
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR
Modal **)
0% 20% 25% 35% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) ( 10 ) ( 11 ) ( 12 ) ( 13 )
A Eksposur Laporan Posisi
Keuangan
01 Tagihan Kepada Pemerintah 25.700.483 - - - - - - - - - -
02 Tagihan Kepada Entitas - 671.072 - - 1.181.535 - - - - 724.982 65.248
Sektor Publik
03 Tagihan Kepada Bank - - - - - - - - - - -
Pembangunan Multilateral
04 Tagihan Kepada Bank - 3.136.646 - - 53.541 - - - - 654.124 58.871
05 Kredit Beragun Rumah - 1.568 487 3.425 - - - - - 1.711 154
Tinggal
06 Kredit Beragun Properti - - - - - - - - - - -
Komersial
07 Kredit Pegawai/Pensiunan - - - - - - - - - - -
08 Tagihan Kepada Usaha Mikro, 35.867 - - - - 4.866.273 - - - 3.649.704 328.473
Usaha Kecil dan Portofolio
Ritel
09 Tagihan kepada Korporasi 677.717 1.311.972 - - 1.082.525 - 7.677.182 - - 8.480.884 763.280
10 Tagihan yang Telah Jatuh - - - - - - - 279 - 419 38
Tempo
11 Aset Lainnya - - - - - - - - 4.212.192 3.726.270 335.364
Total Eksposur Neraca 26.414.066 5.121.257 487 3.425 2.317.601 4.866.273 7.677.182 279 4.212.192 17.238.093 1.551.428
B Eksposur Kewajiban
Komitmen/Kontinjensi
pd Transaksi Rekening
Administratif
01 Tagihan Kepada Pemerintah - - - - - - - - - - -
02 Tagihan Kepada Entitas - - - - - - - - - - -
Sektor Publik
05 Kredit Beragun Rumah - - - - - - - - - - -
Tinggal
06 Kredit Beragun Properti - - - - - - - - - - -
Komersial
07 Kredit Pegawai/Pensiunan - - - - - - - - - - -
08 Tagihan Kepada Usaha Mikro, 15.918 - - - - 87.299 - - - 65.474 5.893
Ritel
09 Tagihan kepada Korporasi 247.529 - - - - - 473.819 - - 473.819 42.644
10 Tagihan yang Telah Jatuh - - - - - - - - - - -
Tempo
Total Eksposur TRA 263.447 - - - - 87.299 473.819 - - 539.293 48.536
C Eksposur akibat Kegagalan
Pihak Lawan (Counterparty
Credit Risk)
01 Tagihan Kepada Pemerintah 1.672.987 - - - - - - - - - -
02 Tagihan Kepada Entitas - - - - - - - - - - -
Sektor Publik
04 Tagihan Kepada Bank - 120 - - - - - - - - -
05 Tagihan Kepada Usaha Mikro, - - - - - - - - - - -
Ritel
06 Tagihan kepada Korporasi - - - - 90 - - - - - -
Total Eksposur Counterparty 1.672.987 120 - - 90 - - - - - -
Credit Risk
Catatan :
*) Beban Modal dihitung berdasarkan KPMM sesuai Profil Resiko periode Desember 2020
**) Beban Modal dihitung berdasarkan KPMM sesuai Profil Resiko periode Desember 2021
630
2021 BANK

31-December-2020
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Beban Modal *)
0% 20% 25% 45% 50% 75% 100% 150% Lainnya
(3) (4) (5) (8) (9) ( 10 ) ( 11 ) ( 12 ) ( 13 ) ( 14 ) ( 15 )
15.747.776 - - - - - - - - - -
- - - - 1.854.689 - - - - 927.345 83.461
- - - - - - - - - - -
2 2.304.227 - - 7 - - - - 460.849 41.476

- 3.168 215 4.054 - - - - - 2.196 198
- - - - - - - - - - -
- - - - - - - - - - -
14.489 - - - - 3.707.529 - - - 2.780.647 250.258
583.541 273.538 - - 90.012 - 13.361.130 - - 13.460.844 1.211.476

- - - - - - 363 190.435 - 286.015 25.741
- - - - - - - - 5.380.014 5.183.169 466.485

16.345.809 2.580.933 215 4.054 1.944.709 3.707.529 13.361.494 190.435 5.380.014 23.101.065 2.079.096
- - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
17.716 - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
14.152 - - - - 94.895 - - - 71.171 6.405
202.188 - - - - - 515.980 - - 515.980 46.438

- - - - - - - - - - -
234.056 - - - - 94.895 515.980 - - 587.152 52.844
1.040.000 - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
- - - - - - - - - - -
1.040.000 - - - - - - - - - -
631
BANK 2021
Tabel 09.a.1. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individu
No. Kategori Portofolio 31-December-2021

Bagian Yang
Tagihan Bersih Bagian Yang Dijamin Dengan
Tidak Dijamin
Agunan Garansi Asuransi Kredit Lainnya
(8) = (3)-
(1) (2) (3) (4) (5) (6) (7)
[(4)+(5)+(6)+(7)]
A Eksposur Laporan Posisi Keuangan
01 Tagihan Kepada Pemerintah 25.700.483 25.700.483 - - - -
02 Tagihan Kepada Entitas Sektor Publik 1.852.607 - - - - 1.852.607
03 Tagihan Kepada Bank Pembangunan - - - - - -
Multilateral dan Lembaga Internasional
04 Tagihan Kepada Bank 3.190.187 - - - - 3.190.187
05 Kredit Beragun Rumah Tinggal 5.480 - - - - 5.480
06 Kredit Beragun Properti Komersial - - - - - -
07 Kredit Pegawai/Pensiunan - - - - - -
08 Tagihan Kepada Usaha Mikro, Usaha Kecil 4.902.139 35.867 - - - 4.866.273
dan Portofolio Ritel
09 Tagihan kepada Korporasi 10.749.396 677.717 - - - 10.071.679
10 Tagihan yang Telah Jatuh Tempo 279 - - - - 279
11 Aset Lainnya 4.212.192 - - - - 4.212.192
Total Eksposur Neraca 50.612.763 26.414.066 - - - 24.198.697
B Eksposur Rekening Administratif
01 Tagihan Kepada Pemerintah - - - - - -
02 Tagihan Kepada Entitas Sektor Publik - - - - - -
04 Tagihan Kepada Bank - - - - - -
05 Kredit Beragun Rumah Tinggal - - - - - -
06 Kredit Beragun Properti Komersial - - - - - -
08 Tagihan Kepada Usaha Mikro, Usaha Kecil 103.217 15.918 - - - 87.299
09 Tagihan kepada Korporasi 721.347 247.529 - - - 473.819
10 Tagihan yang Telah Jatuh Tempo - - - - - -
Total Eksposur Rekening Administratif 824.565 263.447 - - - 561.117
C Eksposur Risiko Kredit Akibat Kegagalan
Pihak Lawan (Counterparty Credit Risk)
01 Tagihan Kepada Pemerintah 1.672.987 1.672.987 - - - -
04 Tagihan Kepada Bank 120 - - - - 120
05 Tagihan Kepada Usaha Mikro, Usaha Kecil - - - - - -
06 Tagihan kepada Korporasi 90 - - - - 90
Total Eksposur Risiko Kredit Akibat 1.673.196 1.672.987 - - - 209
Kegagalan Pihak Lawan (Counterparty
Credit Risk)
Total 53.110.524 28.350.500 - - - 24.760.023
(A+B+C)
632
2021 BANK

31-December-2020
Bagian Yang Tidak
Tagihan Bersih Bagian Yang Dijamin Dengan
Dijamin
Agunan Garansi Asuransi Kredit Lainnya
(14) = (9)-
(9) ( 10 ) ( 11 ) ( 12 ) ( 13 )
[(10)+(11)+(12)+(13)]
15.747.776 15.747.776 - - - -
1.854.689 - - - - 1.854.689
- - - - - -
2.304.236 2 - - - 2.304.234
7.437 - - - - 7.437
- - - - - -
- - - - - -
3.722.018 14.489 - - - 3.707.529
14.308.222 583.541 - - - 13.724.681

190.798 - - - - 190.798
5.380.014 - - - - 5.380.014
43.515.191 16.345.809 - - - 27.169.382
- - - - - -
- - - - - -
- - - - - -
17.716 17.716 - - - -
- - - - - -
- - - - - -
- - - - - -
109.047 14.152 - - - 94.895
718.168 202.188 - - - 515.980

- - - - - -
844.931 234.056 - - - 610.875
1.040.000 - - - - 1.040.000
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
1.040.000 - - - - 1.040.000
45.400.122 16.579.864 - - - 28.820.258
633
BANK 2021
Tabel 10.a.1.a. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Eksposur Aset di
laporan posisi keuangan, kecuali eksposur sekuritisasi
No. Kategori Portofolio 31-December-2021 31-December-2020

ATMR Sebelum ATMR Setelah ATMR Sebelum ATMR Setelah
Tagihan Bersih Tagihan Bersih
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8)

01 Tagihan Kepada Pemerintah 25.700.483 - - 11.161.690 - -
a. Tagihan Kepada 25.700.483 - - 11.161.690 - -
Pemerintah Indonesia
b. Tagihan Kepada - - - - - -
Pemerintah Negara Lain
02 Tagihan Kepada Entitas 1.852.607 724.982 724.982 1.854.689 927.345 927.345
Sektor Publik
04 Tagihan Kepada Bank 3.190.187 654.100 654.100 2.304.232 460.849 460.848
a. Tagihan Jangka Pendek 238.541 47.708 47.708 2.256.886 451.377 451.377
b. Tagihan Jangka Panjang 2.951.646 606.391 606.391 47.347 9.472 9.472
05 Kredit Beragun Rumah 5.480 1.711 1.711 7.437 2.196 2.196
Tinggal
06 Kredit Beragun Properti - - - - - -
Komersial
08 Tagihan Kepada Usaha Mikro, 4.902.139 3.676.605 3.649.704 3.722.018 2.791.513 2.780.647
Ritel
09 Tagihan kepada Korporasi 10.749.396 9.158.555 8.480.839 14.307.269 14.043.909 13.460.368
10 Tagihan yang Telah Jatuh 279 419 419 190.798 286.015 286.015
Tempo
a. Kredit Beragunan Rumah - - - 363 363 363
Tinggal
b. Selain Kredit Beragunan 279 419 419 190.435 285.652 285.652
Rumah Tinggal
11 Aset Lainnya 4.212.192 - 3.726.270 5.380.014 - 5.183.169
a. Uang tunai, emas, dan 579.396 - - 640.351 - -
commemorative coin
b. Penyertaan (selain yang - - - 281.405 - 422.108
menjadi faktor pengurang
modal)
1) Penyertaan modal - - - 281.405 - 422.108
sementara dalam rangka
restrukturisasi kredit
2) Penyertaan kepada - - - - - -
perusahaan keuangan yang
tidak terdaftar dibursa
3) Penyertaan kepada - - - - - -
perusahaan keuangan yang
terdaftar dibursa
c. Aset tetap dan inventaris 1.533.966 - 1.533.966 1.576.488 - 1.576.488
neto
d. Agunan Yang Diambil Alih 186.949 - 280.423 605.608 - 908.412
(AYDA)
e. Antar kantor neto - - - - - -
f. Lainnya 1.911.881 - 1.911.881 2.276.162 - 2.276.162
Total 50.612.763 14.216.371 17.238.025 38.928.148 18.511.827 23.100.588
634
2021 BANK
Tabel 10.a.1.b. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Eksposur Kewajiban
Komitmen/Kontinjensi pada Transaksi Rekening Administratif, kecuali eksposur sekuritisasi

Tagihan Bersih ATMR Sebelum ATMR Setelah Tagihan Bersih ATMR Sebelum ATMR Setelah
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8)

a. Tagihan Kepada - - - - - -
02 Tagihan Kepada Entitas - - - - - -
Sektor Publik
04 Tagihan Kepada Bank - - - 17.716 8.633 -
a. Tagihan Jangka Pendek - - - 750 150 -
b. Tagihan Jangka Panjang - - - 16.966 8.483 -
05 Kredit Beragun Rumah - - - - - -
Tinggal
06 Kredit Beragun Properti - - - - - -
Komersial
08 Tagihan Kepada Usaha Mikro, 103.217 77.413 65.474 109.047 81.786 71.171
Ritel
09 Tagihan kepada Korporasi 721.347 721.347 473.819 718.168 718.168 515.980
10 Tagihan yang Telah Jatuh - - - - - -
Tempo
a. Kredit Beragunan Rumah - - - - - -
Tinggal
b. Selain Kredit Beragunan - - - - - -
Rumah Tinggal
Total 824.565 798.760 539.293 844.931 808.586 587.152
635
BANK 2021
Tabel 10.a.1.c. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Eksposur yang
Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk))
31-December-2021 31-December-2020
No. Kategori Portofolio ATMR Sebelum ATMR Setelah ATMR Sebelum ATMR Setelah
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8)

01 Tagihan Kepada 1.672.987 - - 5.626.086 - -
Pemerintah
a. Tagihan Kepada 1.672.987 - - 5.626.086 - -
02 Tagihan Kepada Entitas - - - - - -
Sektor Publik
04 Tagihan Kepada Bank 120 - 24 4 - 1
a. Tagihan Jangka Pendek 120 - 24 4 - 1
b. Tagihan Jangka Panjang - - - - - -
05 Tagihan Kepada Usaha - - - - - -
Mikro, Usaha Kecil dan
Portofolio Ritel
06 Tagihan kepada Korporasi 90 - 45 953 - 477
Total 1.673.196 - 69 5.627.043 - 477
Tabel 10.a.1.d. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Eksposur yang
Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (settlement risk)
No. Jenis Transaksi 31-December-2021 31-December-2020
Faktor Faktor
Nilai Eksposur Pengurang ATMR Nilai Eksposur Pengurang ATMR
Modal Modal
(1) (2) (3) (4) (5) (6) (7) (8)
01 Delivery versus payment - - - -
a. Beban Modal 8% (5-15 - - - -

hari)
b. Beban Modal 50% (16- - - - -

30 hari)
c. Beban Modal 75% (31- - - - -

45 hari)
d. Beban Modal 100% - - - -

(lebih dari 45 hari)
02 Non-delivery versus - - - -
payment
Total - - - - - -
636
2021 BANK
Tabel 10.a.1.e. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Eksposur Sekuritisasi
Faktor Pengurang Modal ATMR Faktor Pengurang Modal ATMR
(1) (2) (3) (4) (5) (6)
01 ATMR atas Eksposur Sekuritisasi yang - - - -

dihitung dengan Metode Ekternal
Rating Base Approach (ERBA)
02 ATMR atas Eksposur Sekuritisasi yang - - - -
dihitung dengan Metode Standardized
Approach (SA)
03 Eksposur Sekuritisasi yang merupakan - - - -
Faktor Pengurang Modal Inti Utama
Total - - - -
Tabel 10.a.1.f. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Eksposur Derivatif
ATMR Sebelum ATMR Setelah ATMR Sebelum ATMR Setelah
MRK MRK MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8)

a. Tagihan Kepada Pemerintah - - - - - -
Indonesia
b. Tagihan Kepada Pemerintah Negara - - - - - -
Lain
a. Tagihan Jangka Pendek - - - - - -
b. Tagihan Jangka Panjang - - - - - -
05 Tagihan Kepada Usaha Mikro, Usaha - - - - - -
Kecil dan Portofolio Ritel
06 Tagihan kepada Korporasi - - - - - -
07 Eksposur tertimbang dari Credit 3 20
Valuation Adjustment (CVA risk
eighted assets)
Total - - 3 - - 20
637
BANK 2021
Tabel 10.a.1.g. Pengungkapan Perhitungan ATMR untuk Risiko Kredit dengan Menggunakan Pendekatan Standar - Bank Secara Individu : Total Pengukuran
Risiko Kredit
(1) (2) (3) (4)

01 TOTAL ATMR RISIKO KREDIT 17.777.390 26.712.423
02 TOTAL FAKTOR PENGURANG ATMR RISIKO KREDIT: - -
selisih lebih antara cadangan umum PPKA atas aset produktif yang ajib dihitung dan 1,25% ATMR
untuk Risiko Kredit
03 TOTAL ATMR RISIKO KREDIT (A)-(B) 17.777.390 26.712.423
04 TOTAL FAKTOR PENGURANG MODAL - -
Tabel 11.a.1 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar

No. Jenis Resiko 31-December-2021 31-December-2020
Individual Individual
Beban Modal ATMR Beban Modal ATMR
(1) (2) (3) (4) (5) (6)
01 Risiko Suku Bunga - - 392.692 4.908.652
a. Risiko Spesifik - - 146.786 1.834.831
b. Risiko Umum - - 245.906 3.073.821
02 Risiko Nilai Tukar 6.109 76.368 3.065 38.318
03 Risiko Ekuitas *) - - - -
04 Risiko Komoditas *) - - - -
05 Risiko Option - - - -
Total 6.109 76.368 395.758 4.946.970
*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud
Tabel 12.a.1 Perhitungan Risiko Operasional - Bank secara Individu

Pendekatan Yang
No. 31-December-2021 31-December-2020
Digunakan
Pendapatan Bruto Pendapatan Bruto
(Rata-rata 3 Beban Modal ATMR (Rata-rata 3 Beban Modal ATMR
tahun terakhir) tahun terakhir)
(1) (2) (3) (4) (5) (6) (7) (8)

01 Pendekatan Indikator Dasar 3.023.041 453.456 5.668.202 2.816.552 422.483 5.281.034
Total 3.023.041 453.456 5.668.202 2.816.552 422.483 5.281.034
638
2021 BANK
REFERENSI SEOJK 16/POJK.04/2021 TENTANG BENTUK DAN ISI LAPORAN EMITEN ATAU PERUSAHAAN PUBLIK
Referensi to SEOJK 16/POJK.04/2021 regarding the From and Content of Reports of Issuers or Public
Companies
URAIAN ISI LAPORAN TAHUNAN HALAMAN

No.
Description of Content of the Annual Report Page
Ikhtisar Data Keuangan Penting | Financial Highlights
1 Ikhtisar data keuangan penting memuat informasi keuangan yang disajikan dalam bentuk perbandingan 14-21
selama 3 tahun buku atau sejak memulai usahanya jika Emiten atau Perusahaan Publik tersebut
menjalankan kegiatan usahanya kurang dari 3 tahun, paling sedikit memuat, pendapatan, laba (rugi),
jumlah aset, liabilitas, ekuitas, dan rasio-rasio keuangan.
Financial information is presented in a comparative form over a period of 3 (three) financial years; if the
Issuer or Public Company has been established less than 3 years, the information shall include at least
includes revenue, profit (loss), total assets, liabilities; equity, and financial ratios.
Informasi Saham | Information on Shares
1 Saham yang telah diterbitkan untuk setiap masa triwulan yang disajikan dalam bentuk perbandingan 22-24
selama 2 tahun buku terakhir, paling sedikit memuat:jumlah saham yang beredar;
a) kapitalisasi pasar berdasarkan harga pada bursa efek tempat saham dicatatkan;
b) harga saham tertinggi, terendah, dan penutupan berdasarkan harga pada bursa efek tempat saham
dicatatkan; dan
c) volume perdagangan pada bursa efek tempat saham dicatatkan.
Informasi dalam huruf b), huruf c) dan huruf d) hanya diungkapkan jika sahamnya tercatat di bursa efek.
Issued shares for each quarter presented in a comparative form of at least 2 financial years at least include:
a) number of outstanding shares;
b) market capitalization based on the price at the Stock Exchange where the shares are listed;
c) the highest, lowest, and closing share price based on the Stock Exchange where the shares are listed;
and
d) trading volume at the Stock Exchange where the shares are listed.
2 Dalam hal terjadi aksi korporasi yang menyebabkan terjadinya perubahan pada saham, seperti 23
pemecahan saham (stock split), penggabungan saham (reverse stock), dividen saham, saham bonus,
perubahan nilai nominal saham, penerbitan efek konversi, serta penambahan dan pengurangan modal,
informasi saham sebagaimana dimaksud pada angka 1.
In the event of corporate action causes changes in shares such as stock split, reverse stock, stock dividend,
bonus shares, changes in the nominal value of shares, issuance of conversion stock, and increasing and
decreasing interests; information on shares as stated in point 1.
3 Dalam hal terjadi penghentian sementara perdagangan saham (suspension) dan/atau pembatalan 23
pencatatan saham (delisting) dalam tahun buku, dijelaskan alasan penghentian sementara perdagangan
saham (suspension) dan/atau pembatalan pencatatan saham (delisting) tersebut.
In the event of suspension and/or delisting in the financial year, the Issuer or Public Company shall explain
the reasons for the suspension and/or delisting.
4 Dalam hal penghentian sementara perdagangan saham (suspension) sebagaimana dimaksud pada 23
angka 3, dan/atau proses pembatalan pencatatan saham (delisting) masih berlangsung hingga akhir
periode Laporan Tahunan, dijelaskan tindakan yang dilakukan untuk menyelesaikan penghentian
sementara perdagangan saham (suspension) dan/atau pembatalan pencatatan saham (delisting)
tersebut.
In the event that suspension and/or delisting as referred to point 3 is still ongoing until the end of
the Annual Report period, the Issuer or Public Company shall explain the actions taken to resolve the
suspension and/or delisting.
639
BANK 2021

No.
Laporan Direksi | Report of the Board of Directors
1 Kinerja Emiten atau Perusahaan Publik, paling sedikit memuat: 46-51

a) strategi dan kebijakan strategis;
b) peranan Direksi dalam perumusan strategi dan kebijakan strategis;
c) proses yang dilakukan Direksi untuk memastikan implementasi strategi;
c) perbandingan antara hasil yang dicapai dengan yang ditargetkan;
e) kendala yang dihadapi.
Performance of Issuer or Public Company, at least includes:
a) strategies and Strategic Policy:
b) the role of the Board of Directors in the formulation of strategies and strategic policy;
c) processes carried out by the Board of Directors to ensure the implementation of strategies and
strategic policy;
d) comparison between realization and target; and
e) obstacle faced by Issuer or Public Company.
2 Gambaran tentang prospek usaha Emiten atau Perusahaan Publik. 53

Views on business prospect of Issuer or Public Company; and
3 Penerapan tata kelola Emiten atau Perusahaan Publik. 51-52

Implementation of good governance of Issuer or Public Company.
Laporan Dewan Komisaris | Report of the Board of Commissioners
1 Penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten atau Perusahaan Publik, termasuk 38-42
pengawasan Dewan Komisaris dalam perumusan dan implementasi strategi yang dilakukan oleh Direksi.
Performance evaluation of the Board of Directors regarding management of Issuer or Public Company,
including the supervision of the Board of Commissioners in the formulation and implementation of
strategies for Issuers or Public Company carried out by the Board of Directors.
2 Pandangan atas prospek usaha yang disusun oleh Direksi. 42-43

Views on business prospect of Issuer or Public Company prepared by the Board of Directors.
3 Pandangan atas penerapan tata kelola Emiten atau Perusahaan Publik. 43-44
Views on the implementation of governance of Issuer or Public Company.
Profil Emiten atau Perusahaan | Publik Profile of Issuer or Public Company
1 Nama Emiten atau Perusahaan Publik termasuk apabila terdapat perubahan nama, alasan perubahan, 63
dan tanggal efektif perubahan nama pada tahun buku.
Name of Issuer or Public Company, including name change, reason of the change, and effective date of
the name change in the financial year.
2 Akses terhadap Emiten atau Perusahaan Publik termasuk kantor cabang atau kantor perwakilan yang 63-67
memungkinkan masyarakat dapat memperoleh informasi mengenai Emiten atau Perusahaan Publik,
meliputi alamat, nomor telepon, alamat surat elektronik, dan alamat situs web.
Access to Issuer or Public Company, including branch office or representative office that allows public
to obtain information regarding Issuer or Public Company, including: address; phone number, email
address, and web address.
3 Riwayat singkat Emiten atau Perusahaan Publik. 62-63

Brief history of Issuer or Public Company.
640
2021 BANK

No.
4 Visi dan misi Emiten atau Perusahaan Publik serta budaya perusahaan (corporate culture) atau nilai-nilai 68-72
perusahaan.
Vision and mission of Issuer or Public Company and its corporate culture or values;
5 Kegiatan usaha menurut anggaran dasar terakhir, kegiatan usaha yang dijalankan pada tahun buku, 73-78
serta jenis barang dan/atau jasa yang dihasilkan.
Business activities according to the latest article of association, business activities conducted within the
financial year, and type of goods and/or services.
6 Wilayah operasional Emiten atau Perusahaan Publik; wilayah operasional merupakan wilayah atau 79
daerah pelaksanaan kegiatan operasional atau jangkauan dari kegiatan operasional perusahaan.
Operational area of Issuer or Public Company; operational area is an area or region for carrying out
operational activities or the range of operational activities.
7 Struktur organisasi Emiten atau Perusahaan Publik dalam bentuk bagan, paling sedikit sampai dengan 81
struktur satu tingkat di bawah Direksi termasuk komite di bawah Direksi (jika ada) dan komite di bawah
Dewan Komisaris, disertai dengan nama dan jabatan.
Organizational structure of Issuer or Public Company in the form of a chart, at least until 1 (one) level
below the Board of Directors, including committees under the Board of Directors (if any) and committees
under the Board of Commissioners, along with name and position.
8 Daftar keanggotaan asosiasi industri baik dalam skala nasional maupun internasional yang berkaitan 82
dengan penerapan keuangan berkelanjutan.
A list of industry association memberships on a national and international scale related to the
implementation of sustainable finance.
9 Profil Direksi, paling sedikit memuat: 94-99

a) nama dan jabatan yang sesuai dengan tugas dan tanggung jawab;
b) foto terbaru;
c) usia;
d) kewarganegaraan;
e) riwayat pendidikan dan/atau sertifikasi
f) riwayat jabatan, meliputi informasi:
• dasar hukum pengangkatan;
• rangkap jabatan;
• pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau
Perusahaan Publik;
g) hubungan afiliasi dengan anggota Direksi lainnya, anggota Dewan Komisaris, pemegang saham
utama, dan pengendali baik langsung maupun tidak langsung; dan
h) perubahan komposisi anggota Direksi dan alasan perubahannya.
Profile of the Board of Directors, at least includes:
a) name and position in accordance with the duties and responsibilities;
b) recent photograph;
c) age;
d) citizenship;
e) education background and/or certification;
f) position history, including information on:
• legal basis of appointment as a member of the Board of Directors of Issuer or Public Company;
• concurrent positions;
• work experience and period of service inside and outside Issuer or Public Company;
g) affiliation with other members of the Board of Directors, members of the Board of Commissioners,
major and controlling shareholders, either directly or indirectly to individual owners.
h) changes in the composition of members of the Board of Directors and the reasons for the changes.
641
BANK 2021

No.
10 Profil Dewan Komisaris, paling sedikit memuat: 90-93, 310

a) nama dan jabatan;
b) foto terbaru;
c) usia;
d) kewarganegaraan;
e) riwayat pendidikan dan/atau sertifikasi;
f) riwayat jabatan, meliputi informasi:
• dasar hukum pengangkatan sebagai anggota Dewan Komisaris;
• dasar hukum pengangkatan pertama kali sebagai anggota Dewan Komisaris yang merupakan
komisaris independen;
• rangkap jabatan; dan
• pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau
Perusahaan Publik;
g) hubungan afiliasi dengan anggota Dewan Komisaris lainnya, pemegang saham utama, dan
pengendali baik langsung maupun tidak langsung;
h) pernyataan independensi komisaris independen dalam hal komisaris independen telah menjabat
lebih dari 2 periode; dan
i) perubahan komposisi anggota Dewan Komisaris dan alasan perubahannya.
Profile of the Board of Commissioners, at least includes:
a) name and position in accordance with the duties and responsibilities;
b) recent photograph;
c) age;
d) citizenship;
e) education background and/or certification;
f) position history, including information on:
• legal basis for appointment as a member of the Board of Commissioners;
• concurrent positions;
• work experience and period of service inside and outside Issuer or Public Company;
a) affiliation with other members of the Board of Commissioners, major and controlling shareholders,
either directly or indirectly to individual owners.
b) independence statement of the independent commissioner in the event that the independent
commissioner has served for more than 2 terms; and
c) changes in the composition of members of the Board of Directors and the reasons for the changes.
11 Dalam hal terdapat perubahan susunan anggota Direksi dan/atau anggota Dewan Komisaris yang terjadi 93,100
setelah tahun buku berakhir sampai dengan batas waktu penyampaian Laporan Tahunan, susunan
yang dicantumkan dalam Laporan Tahunan adalah susunan anggota Direksi dan/atau anggota Dewan
Komisaris yang terakhir dan sebelumnya.
In the event that there is a change in the composition of the members of the Board of Directors and/or
members of the Board of Commissioners that occurs after the financial year ends up to the deadline for
submitting the Annual Report, the composition included in the Annual Report is the composition of the
latest and previous members of the Board of Directors and/or members of the Board of Commissioners.
12 Jumlah karyawan menurut jenis kelamin, jabatan, usia, tingkat pendidikan, dan status ketenagakerjaan 101-104
(tetap/kontrak) dalam tahun buku.
Number of employees by gender, position, age, education level, and employment status (permanent/
contract) in the financial year.
642
2021 BANK

No.
13 Nama pemegang saham dan persentase kepemilikan pada awal dan akhir tahun buku, yang terdiri dari 82-85
informasi mengenai:
a) pemegang saham yang memiliki 5% atau lebih;
b) anggota Direksi dan anggota Dewan Komisaris yang memiliki saham; dan
c) kelompok pemegang saham masyarakat, yaitu kelompok pemegang saham yang masing-masing
memiliki kurang dari 5%.
Names of shareholders and percentage of ownership at the beginning and end of the financial year, at
least includes information on:
a) shareholders owning 5% or more shares of Issuer or Public Company;
b) members of the Board of Directors and members of the Board of Commissioners who own shares in
Issuers or Public Companies; and
c) public shareholders group who has ownership less than 5% of shares of the Issuer or Public Company.
14 Persentase kepemilikan tidak langsung atas saham Emiten atau Perusahaan Publik oleh anggota Direksi 83-84
dan anggota Dewan Komisaris pada awal dan akhir tahun buku. Dalam hal seluruh anggota Direksi dan/
atau seluruh anggota Dewan Komisaris tidak memiliki kepemilikan tidak langsung atas saham Emiten
atau Perusahaan Publik, maka diungkapkan mengenai hal tersebut.
The percentage of indirect ownership of the shares of the Issuer or Public Company by members of
the Board of Directors and members of the Board of Commissioners at the beginning and end of the
financial year. If all members of the Board of Directors and/or the Board of Commissioners do not have
indirect ownership of the shares of the Issuer or Public Company, this matter shall be disclosed.
15 Jumlah pemegang saham dan persentase kepemilikan per akhir tahun buku berdasarkan klasifikasi: 85
kepemilikan institusi lokal; institusi asing; individu lokal; dan individu asing.
Number of shareholders and percentage of ownership at the end of the financial year based on the
classification: local institution ownership; foreign institution ownership; local individual ownership; and
foreign individual ownership.
16 Informasi mengenai pemegang saham utama dan pengendali Emiten atau Perusahaan Publik, baik 83
langsung maupun tidak langsung, sampai kepada pemilik individu, yang disajikan dalam bentuk skema
atau bagan.
Information on major and controlling shareholders of Issuer or Public Company, either directly or
indirectly, to the individual owners, presented in the form of a scheme or chart.
17 Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama dimana Emiten atau Perusahaan 85
Publik memiliki pengendalian bersama entitas (jika ada), beserta persentase kepemilikan saham, bidang
usaha, total aset, dan status operasi entitas anak, perusahaan asosiasi, perusahaan ventura bersama.
Untuk entitas anak, ditambahkan informasi mengenai alamat entitas anak tersebut.
Name of subsidiary, associated company, joint venture where Issuer or Public Company has a jointly
controlled entity (if any), along with the percentage of share ownership, line of business, total assets, and
operating status of the subsidiary, associated company, joint venture.
18 Kronologis pencatatan saham, jumlah saham, nilai nominal, dan harga penawaran dari awal pencatatan 85-86
hingga akhir tahun buku serta nama bursa efek dimana saham Emiten atau Perusahaan Publik
dicatatkan, termasuk pemecahan saham (stock split), penggabungan saham (reverse stock), dividen
saham, saham bonus, dan perubahan nilai nominal saham, pelaksanaan efek konversi, pelaksanaan
penambahan dan pengurangan modal (jika ada).
Chronology of share listing, number of shares, par value, and offering price from the beginning of listing
to the end of the financial year as well as the name of the stock exchange where the shares of the Issuer or
Public Company are listed, including stock splits, reverse stock, stock dividend, bonus shares, and changes
in the par value of shares, implementation of conversion stock, implementation of capital additions and
subtractions (if any).
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19 Informasi pencatatan efek lainnya selain efek sebagaimana dimaksud pada angka 18, yang belum jatuh 86
tempo pada tahun buku paling sedikit memuat nama efek, tahun penerbitan, tingkat suku bunga/imbal
hasil, tanggal jatuh tempo, nilai penawaran, dan peringkat efek (jika ada).
Information on the listing of other securities other than securities as referred to in point 18), that have not
matured within the financial year at least includes name of securities, issuance year, interest rate/yield,
maturity date, offering value, and securities rating (if any).
20 Informasi penggunaan jasa akuntan publik (AP) dan kantor akuntan publik (KAP) beserta jaringan/ 87-88, 474-
asosiasi/aliansinya meliputi: nama dan alamat; periode penugasan; informasi jasa audit dan/atau non 475
audit yang diberikan; biaya jasa (fee); dalam hal AP dan KAP beserta jaringan/asosiasi/aliansinya, yang
ditunjuk tidak memberikan jasa non audit, maka diungkapkan mengenai informasi tersebut.
Information on the use of public accounting services (AP) and public accounting firms (KAP) and its
networks/associations/alliances include: Name and address; Assignment period; Information on audit
and/or non-audit services provided; audit and/or non-audit fee for each assignment during the financial
year. If the appointed AP and KAP and its network/association/alliance do not provide non-audit services,
then the matter shall be disclosed.
21 Nama dan alamat lembaga dan/atau profesi penunjang pasar modal selain AP dan KAP. 87
Name and address of capital market supporting institutions and/or professions other than AP and KAP.
Analisis dan Pembahasan Manajemen | Management Discussion and Analysis
1 Tinjauan operasi per segmen usaha sesuai dengan jenis industri Emiten atau Perusahaan Publik, paling 119-149
sedikit mengenai:
a) produksi, yang meliputi proses, kapasitas, dan perkembangannya;
b) pendapatan/penjualan; dan
c) profitabilitas.
Overview of operations per business segment according to the type of industry of Issuer or Public
Company, at least includes:
a) production, including process, capacity, and growth;
b) sales/revenue; and
c) profitability.
2 Kinerja keuangan komprehensif yang mencakup perbandingan kinerja keuangan dalam 2 tahun buku 150-176
terakhir, penjelasan tentang penyebab adanya perubahan dan dampak perubahan tersebut, paling
sedikit mengenai:
a) aset lancar, aset tidak lancar, dan total aset;
b) liabilitas jangka pendek, liabilitas jangka panjang, dan total liabilitas;
c) ekuitas;
d) pendapatan/penjualan, beban, laba (rugi), penghasilan komprehensif lain, dan total laba (rugi)
komprehensif; dan
e) arus kas.
Comprehensive financial performance, including comparison of financial performance in the last 2 (two)
financial years, an explanation of the causes of the changes and the impact of these changes, at least
includes:
a) current assets, non-current assets, and total assets;
b) current liabilities, non-current liabilities, and total liabilities;
c) equity;
d) revenue/sales, expenses, profit (loss), other comprehensive income, and total comprehensive profit
(loss); and
e) cash flow.
3 Kemampuan membayar utang atau kewajiban dengan menyajikan perhitungan rasio yang relevan. 178-180
Ability to pay debts or liabilities by presenting the relevant ratio calculations.
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4 Tingkat kolektibilitas piutang Emiten atau Perusahaan Publik dengan menyajikan perhitungan rasio 180
yang relevan.
Collectability level of the Issuer's or Public Company's receivables by presenting the relevant ratio
calculations.
5 Struktur modal dan kebijakan manajemen atas struktur modal tersebut disertai dasar penentuan 182-185
kebijakan dimaksud.
Capital structure and management policy on capital structure along with the basis for determining the
policy.
6 Bahasan mengenai ikatan yang material untuk investasi barang modal dengan penjelasan paling sedikit 185
memuat:
a) tujuan dari ikatan tersebut;
b) sumber dana yang diharapkan untuk memenuhi ikatan tersebut;
c) mata uang yang menjadi denominasi; dan
d) langkah yang direncanakan Emiten atau Perusahaan Publik untuk melindungi risiko dari posisi mata
uang asing yang terkait.
Discussion on material commitment for capital goods investment with description, at least includes:
a) objectives of the commitment;
b) expected source of funds to fulfill the commitment;
c) the denominated currency; and
d) steps planned by Issuer or Public Company to protect the position of related currency from any risks.
7 Bahasan mengenai investasi barang modal yang direalisasikan dalam tahun buku terakhir, paling sedikit 186
memuat:
a) jenis investasi barang modal;
b) tujuan investasi barang modal; dan
c) nilai investasi barang modal yang dikeluarkan.
Discussion on capital goods investment realized in the latest financial year, at least includes:
a) types of capital goods investment;
b) objectives of capital goods investment; and
c) values of the issued capital goods investment.
8 Informasi dan fakta material yang terjadi setelah tanggal laporan akuntan (jika ada). 186-188
Material information and facts occurring after the due date of accountant report (if any).
9 Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan dengan kondisi industri, ekonomi secara 200-202
umum dan pasar internasional disertai data pendukung kuantitatif dari sumber data yang layak
dipercaya.
Business prospects of Issuer or Public Company related to the general conditions of industry, economy,
and international market as well as quantitative supporting data from reliable data sources.
10 Perbandingan antara target/proyeksi pada awal tahun buku dengan hasil yang dicapai (realisasi), 188-189
mengenai:
a) pendapatan/penjualan;
b) laba (rugi);
c) struktur modal; atau
d) hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik.
Comparison between target/projection at the beginning of the financial year and realization, including:
a) revenue/sales;
b) profit (loss);
c) capital structure; or
d) other matters deemed important to Issuer or Public Company.
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11 Target/proyeksi yang ingin dicapai Emiten atau Perusahaan Publik untuk 1 tahun mendatang, mengenai: 198-199
a) pendapatan/penjualan;
b) laba (rugi);
c) struktur modal;
d) kebijakan dividen; atau
e) hal lainnya yang dianggap penting bagi Emiten atau Perusahaan Publik;
Target/projection to be achieved by Issuer or Public Company for the following 1 year, including:
a) revenue/sales;
b) profit (loss);
c) capital structure;
d) dividend policy; or
e) other matters deemed important to Issuer or Public Company.
12 Aspek pemasaran atas barang dan/atau jasa Emiten atau Perusahaan Publik, paling sedikit mengenai 203-204
strategi pemasaran dan pangsa pasar.
Marketing aspects of goods and/or services of Issuer or Public Company, at least including marketing
strategy and market share.
13 Uraian mengenai dividen selama 2 tahun buku terakhir, paling sedikit: 205
a) kebijakan dividen, antara lain memuat informasi persentase jumlah dividen yang dibagikan terhadap
laba bersih;
b) tanggal pembayaran dividen kas dan/atau tanggal distribusi dividen non kas;
c) jumlah dividen per saham (kas dan/atau non kas); dan
d) jumlah dividen per tahun yang dibayar.
Description on dividends for the last 2 financial years, at least including:
a) dividend policy, including information on the percentage of total dividends distributed to net income;
b) date of payment of cash dividends and/or date of distribution of non-cash dividends;
c) amount of dividends per share (cash and/or non-cash); and
d) amount of paid dividends per year.
14 Realisasi penggunaan dana hasil penawaran umum, dengan ketentuan: 206

a) dalam hal selama tahun buku, Emiten memiliki kewajiban menyampaikan laporan realisasi
penggunaan dana, maka diungkapkan realisasi penggunaan dana hasil penawaran umum secara
kumulatif sampai dengan akhir tahun buku; dan
b) dalam hal terdapat perubahan penggunaan dana sebagaimana diatur dalam Peraturan Otoritas
Jasa Keuangan mengenai laporan realisasi penggunaan dana hasil penawaran umum, maka Emiten
menjelaskan perubahan tersebut.
Realization of the use of proceeds from the public offering, provided that:
a) in the event that during the financial year, the Issuer has an obligation to submit a report on the
realization of the use of proceeds, then the realization of the cumulative use of the proceeds from the
public offering shall be disclosed until the end of the financial year; and
b) if there is a change in the use of proceeds as regulated in the Financial Services Authority Regulation
on the report on the realization of the use of the proceeds from the public offering, the Issuer shall
explain the change.
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15 Informasi material (jika ada), antara lain mengenai investasi, ekspansi, divestasi, penggabungan/ 207-208
peleburan usaha, akuisisi, restrukturisasi utang/modal, transaksi material, transaksi afiliasi, dan transaksi
benturan kepentingan, yang terjadi pada tahun buku, paling sedikit memuat:
a) tanggal, nilai, dan objek transaksi;
b) nama pihak yang melakukan transaksi;
c) sifat hubungan afiliasi (jika ada);
d) penjelasan mengenai kewajaran transaksi;
e) pemenuhan ketentuan terkait; dan
f) dalam hal terdapat hubungan afiliasi, selain mengungkapkan informasi sebagaimana dimaksud
dalam huruf (a) sampai dengan huruf (e), Emiten atau Perusahaan Publik juga mengungkapkan
informasi:
• pernyataan Direksi bahwa transaksi afiliasi telah melalui prosedur yang memadai untuk
memastikan bahwa transaksi afiliasi dilaksanakan sesuai dengan praktik bisnis yang berlaku
umum; dan
• peran Dewan Komisaris dan komite audit dalam melakukan prosedur yang memadai;
g) untuk transaksi afiliasi atau transaksi material yang merupakan kegiatan usaha yang dijalankan
dalam rangka menghasilkan pendapatan usaha dan dijalankan secara rutin, berulang, dan/atau
berkelanjutan, ditambahkan penjelasan bahwa transaksi afiliasi atau transaksi material tersebut
merupakan kegiatan usaha yang dijalankan dalam rangka menghasilkan pendapatan usaha dan
dijalankan secara rutin, berulang, dan/atau berkelanjutan;
h) untuk pengungkapan transaksi afiliasi dan/atau transaksi benturan kepentingan yang merupakan
hasil pelaksanaan transaksi afiliasi dan/atau transaksi benturan kepentingan yang telah disetujui
pemegang saham independen, ditambahkan informasi mengenai tanggal pelaksanaan RUPS yang
menyetujui transaksi afiliasi dan/atau transaksi benturan kepentingan tersebut;
i) dalam hal tidak terdapat transaksi afiliasi dan/atau transaksi benturan kepentingan, maka
diungkapkan mengenai hal tersebut.
Material information (if any) on investment, expansion, divestment, business merger/consolidation,
acquisition, debt/capital restructuring, material transactions, affiliated transactions, and conflict of
interest transactions, that occur during the financial year, at least includes:
a) date, value, and object of transaction;
b) name of the party making the transaction;
c) nature of affiliated relationship (if any);
d) description on fairness of the transaction;
e) compliance with related provisions; and
f) If there is an affiliated relationship, other than disclosing the information as referred to in letter (a) to
letter (e), the Issuer or Public Company shall also disclose information on:
• statement of the Board of Directors that the affiliate transaction has been through adequate
procedures to ensure that the affiliated transaction is carried out in accordance with generally
accepted business practices;
• role of the Board of Commissioners and the audit committee in carrying out adequate procedures
to ensure that affiliated transactions.
g) as for the routine, repeated, and/or sustainable affiliated or material transactions that are parts of
operational activities conducted to gain revenues, there shall be an added information stating that
those transactions are routine, repeated, and/or sustainable affiliated or material transactions that are
parts of operational activities conducted to gain revenues;
h) as for disclosure of affiliated transactions and/or conflict of interest transactions resulting from the
implementation of affiliated transactions and/or conflict of interest transactions that have been
approved by independent shareholders, additional information regarding the date of the GMS to
approve the affiliated transactions and/or conflict of interest transactions shall be added;
i) If there is no affiliated transaction and/or conflict of interest transaction, then this matter shall be
disclosed.
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16 Perubahan ketentuan peraturan perundang-undangan yang berpengaruh signifikan terhadap Emiten 209-216
atau Perusahaan Publik dan dampaknya terhadap laporan keuangan (jika ada).
Changes in the provisions of laws and regulations that have a significant impact on Issuer or Public
Company and its impact on financial statements (if any).
17 Perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan (jika ada). 216-221
Changes in accounting policies, reasons, and impact on financial statements (if any).
Tata Kelola Emiten atau Perusahaan | Publik Issuer or Public Company Governance
1 Rapat Umum Pemegang Saham (RUPS), paling sedikit memuat: 270-292

a) Informasi mengenai keputusan RUPS pada tahun buku dan 1 tahun sebelum tahun buku meliputi:
• keputusan RUPS pada tahun buku dan 1 tahun sebelum tahun buku yang direalisasikan pada
tahun buku; dan
• keputusan RUPS pada tahun buku dan 1 tahun sebelum tahun buku yang belum direalisasikan
beserta alasan belum direalisasikan;
b) dalam hal Emiten atau Perusahaan Publik menggunakan pihak independen dalam pelaksanaan
RUPS untuk melakukan perhitungan suara, maka diungkapkan mengenai hal tersebut.
Issuer or Public Company governance shall at least include a brief description of:
a) Information on GMS resolutions in the financial year and 1 year before the financial year, including:
• GMS resolution in the financial year and 1 year before the financial year realized in the financial
year; and
• GMS resolutions in the financial year and 1 year before the financial year that have not been
realized and the reasons for not realizing the resolutions;
b) If Issuer or Public Company uses an independent party during the GMS to calculate the votes, then
this matter shall be disclosed.
2 Direksi, paling sedikit memuat: 110,

a) tugas dan tanggung jawab masing-masing anggota Direksi; 311-325,
b) pernyataan bahwa Direksi memiliki pedoman atau piagam (charter) Direksi; 326-327,
c) kebijakan dan pelaksanaan frekuensi rapat Direksi, rapat Direksi bersama Dewan Komisaris, dan 328-339,
tingkat kehadiran anggota Direksi dalam rapat tersebut termasuk kehadiran dalam RUPS;
d) pelatihan dan/atau peningkatan kompetensi anggota Direksi:
e) penilaian Direksi terhadap kinerja komite yang mendukung pelaksanaan tugas Direksi;
f) dalam hal Emiten atau Perusahaan Publik tidak memiliki komite yang mendukung pelaksanaan
tugas Direksi, maka diungkapkan mengenai hal tersebut.
Board of Directors, at least includes:
a) duties and responsibilities of each member of the Board of Directors;
b) statement that the Board of Directors has Board of Directors Charter;
c) policy and frequency of BOD meetings, meetings of the Board of Directors with the Board of
Commissioners, and attendance rate of members of the Board of Directors in the meeting including
attendance at the GMS;
d) training and/or competency development of members of the Board of Directors:
e) Board of Directors’ appraisal on the performance of the committees supporting the implementation
of the Board of Directors’ duties;
f) If Issuer or Public Company does not have committees to support the implementation of the duties
of the Board of Directors, this matter shall be disclosed.
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3 Dewan Komisaris, paling sedikit memuat: 110,

a) tugas dan tanggung jawab Dewan Komisaris; 293-310,
b) pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam (charter) Dewan Komisaris; 326-327,
c) kebijakan dan pelaksanaan frekuensi rapat Dewan Komisaris, rapat Dewan Komisaris bersama Direksi 328-339,
dan tingkat kehadiran anggota Dewan Komisaris dalam rapat tersebut termasuk kehadiran dalam
RUPS;
d) pelatihan dan/atau peningkatan kompetensi anggota Dewan Komisaris;
e) penilaian kinerja Direksi dan Dewan Komisaris serta masing-masing anggota Direksi dan anggota
Dewan Komisaris;
f) penilaian Dewan Komisaris terhadap kinerja Komite yang mendukung pelaksanaan tugas Dewan
Komisaris pada tahun buku.
Board of Commissioners, at least includes:
a) duties and responsibilities of the Board of Commissioners;
b) statement that the Board of Commissioners has the Board of Commissioners Manual or Charter;
c) policy and frequency of Board of Commissioners meetings, joint meetings of the Board of
Commissioners and the Board of Directors and attendance rate of members of the Board of
Commissioners in the meetings, including attendance at the GMS;
d) training and/or competency development of members of the Board of Commissioners:
e) performance appraisal of the Board of Directors and the Board of Commissioners as well as each
member of the Board of Directors and the Board of Commissioners;
f) the Board of Commissioners’ appraisal on the performance of the Committees to support the
implementation of the duties of the Board of Commissioners.
4 Nominasi dan remunerasi Direksi dan Dewan Komisaris, paling sedikit memuat: 346-353
a) prosedur nominasi, meliputi uraian singkat mengenai kebijakan dan proses nominasi anggota Direksi
dan/atau anggota Dewan Komisaris; dan
b) prosedur dan pelaksanaan remunerasi Direksi dan Dewan Komisaris.
Nomination and remuneration of the Board of Directors and the Board of Commissioners shall at least
include:
a) nomination procedure, including a brief description of the nomination policies and processes of
members of the Board of Directors and/or members of the Board of Commissioners; and
b) procedures and implementation of remuneration of the Board of Directors and the Board of
Commissioners.
5 Dewan pengawas syariah, bagi Emiten atau Perusahaan Publik yang menjalankan kegiatan usaha 355-370
berdasarkan prinsip syariah sebagaimana tertuang dalam anggaran dasar (jika ada).
Sharia Supervisory Board, for Issuers or Public Companies that carry out business activities based on
sharia principles as stated in the articles of association.
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6 Komite audit, paling sedikit memuat: 371-389

a) nama dan jabatannya dalam keanggotaan komite;
b) usia;
c) kewarganegaraan;
d) riwayat pendidikan;
e) riwayat jabatan;
f) periode dan masa jabatan anggota komite audit;
g) pernyataan independensi komite audit;
h) pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada);
i) kebijakan dan pelaksanaan frekuensi rapat komite audit dan tingkat kehadiran anggota komite audit
dalam rapat tersebut; dan
j) pelaksanaan kegiatan komite audit pada tahun buku sesuai dengan yang dicantumkan dalam
pedoman atau piagam (charter) komite audit.
The audit committee, at least includes:
a) name and position in committee membership;
b) age;
c) citizenship;
d) educational background;
e) position history;
f) period and tenure of the audit committee members;
g) independence statement of the audit committee;
h) training and/or competency development attended in the financial year (if any);
i) policy and frequency of audit committee meetings and attendance rate of audit committee members
in the meetings; and
j) implementation of the audit committee’s activities in the financial year in accordance with the audit
committee guidelines or charter.
7 Komite atau fungsi nominasi dan remunerasi Emiten atau Perusahaan Publik, paling sedikit memuat: 401-409
a) nama dan jabatannya dalam keanggotaan komite;
b) usia;
c) kewarganegaraan;
e) riwayat jabatan;
f) periode dan masa jabatan anggota komite;
g) pernyataan independensi komite;
h) pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada);
i) uraian tugas dan tanggung jawab;
j) pernyataan bahwa telah memiliki pedoman atau piagam (charter);
k) kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran anggota dalam rapat tersebut;
l) uraian singkat pelaksanaan kegiatan pada tahun buku; dan
m) dalam hal tidak dibentuk komite nominasi dan remunerasi, Emiten atau Perusahaan Publik cukup
mengungkapkan informasi sebagaimana dimaksud dalam huruf (i) sampai dengan huruf (l), mohon
dijelaskan alasannya.
Nomination and remuneration committee or function of Issuer or Public Company, at least includes:
a) name and position in the committee membership;
b) age;
c) citizenship;
e) position history;
f) period and tenure of the committee members;
g) independence statement of the committee;
h) training and/or competency development attended in the financial year (if any);
i) description of duties and responsibilities;
j) statement that the committee has guidelines or charter;
k) policy and frequency of meetings and attendance rate of the committee members at the meeting;
l) brief description of the implementation of activities in the financial year; and
m) in the event that no nomination and remuneration committee is formed, the Issuer or Public Company
as referred to in letter (i) to letter (l), shall disclose the reason.
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8 Komite lain yang dimiliki Emiten atau Perusahaan Publik dalam rangka mendukung fungsi dan tugas 391-399,
Direksi (jika ada) dan/atau komite yang mendukung fungsi dan tugas Dewan Komisaris. 410-430
Other committees owned by Issuer or Public Company to support the functions and duties of the Board
of Directors (if any) and/or committees to support the functions and duties of the Board of Commissioners.
9 Sekretaris perusahaan, paling sedikit memuat: 454-462

a) nama;
b) domisili;
c) riwayat jabatan;
e) pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku; dan
f) uraian singkat pelaksanaan tugas sekretaris perusahaan pada tahun buku.
Corporate secretary, at least includes:
a) name;
b) domicile;
c) position history;
e) training and/or competency development attended in the financial year; and
f) brief description on the implementation of corporate secretary’s duties in the financial year;
10 Unit audit internal, paling sedikit memuat: 463-474

a) nama kepala unit audit internal;
b) riwayat jabatan
c) kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada);
d) pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku;
e) struktur dan kedudukan unit audit internal;
f) uraian tugas dan tanggung jawab;
g) pernyataan bahwa telah memiliki pedoman atau piagam (charter) unit audit internal; dan
h) uraian singkat pelaksanaan tugas unit audit internal pada tahun buku termasuk kebijakan dan
pelaksanaan frekuensi rapat dengan Direksi, Dewan Komisaris, dan/atau komite audit.
Internal audit unit, at least includes:
a) name of the Internal Audit Unit head;
b) position history;
c) qualification or certification as an internal audit (if any);
d) training and/or competency development attended in the financial year;
e) structure and position of the internal audit unit;
f) description of duties and responsibilities;
g) statement that the internal audit unit has guidelines or charter; and
h) brief description on the implementation of the internal audit unit’s duties in the financial year,
including policy and frequency of meetings with the Board of Directors, Board of Commissioners,
and/or audit committee.
11 Uraian mengenai sistem pengendalian internal (internal control) yang diterapkan oleh Emiten atau 504-505
Perusahaan Publik, paling sedikit memuat:
a) pengendalian keuangan dan operasional, serta kepatuhan terhadap peraturan perundang-undangan
lainnya;
b) tinjauan atas efektivitas sistem pengendalian internal; dan
c) pernyataan Direksi dan/atau Dewan Komisaris atas kecukupan sistem pengendalian internal.
Description on internal control system applied by Issuer or Public Company, at least includes:
a) financial and operational control, as well as compliance with other laws and regulations;
b) review on effectiveness of the internal control system; and
c) statement of the Board of Directors and/or Board of Commissioners on the adequacy of the internal
control system;
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12 Sistem manajemen risiko yang diterapkan oleh Emiten atau Perusahaan Publik, paling sedikit memuat: 506-562
a) gambaran umum mengenai sistem manajemen risiko;
b) jenis risiko dan cara pengelolaannya;
c) tinjauan atas efektivitas sistem manajemen risiko; dan
d) pernyataan Direksi dan/atau Dewan Komisaris atau komite audit atas kecukupan sistem manajemen
risiko.
Risk management system implemented by Issuer or Public Company, at least includes:
a) general description on the risk management system of Issuer or Public Company;
b) types of risks and management methods;
c) review on effectiveness of the risk management system of Issuer or Public Company; and
d) statement of the Board of Directors and/or the Board of Commissioners or the audit committee on
the adequacy of the risk management system.
13 Perkara hukum yang berdampak material yang dihadapi oleh Emiten atau Perusahaan Publik, entitas 565
anak, anggota Direksi dan anggota Dewan Komisaris (jika ada), paling sedikit memuat:
a) pokok perkara/gugatan;
b) status penyelesaian perkara/gugatan; dan
c) pengaruhnya terhadap kondisi Emiten atau Perusahaan Publik.
Legal proceedings that have a material impact faced by Issuer or Public Company, subsidiaries, members
of the Board of Directors and members of the Board of Commissioners (if any), at least include:
a) merits of case/lawsuit;
b) status of the case/lawsuit settlement; and
c) impact on the condition of Issuer or Public Company.
14 Informasi tentang sanksi administratif/sanksi yang dikenakan kepada Emiten atau Perusahaan Publik, 566
anggota Dewan Komisaris.
15 Informasi mengenai kode etik Emiten atau Perusahaan Publik meliputi: 575-577
a) pokok-pokok kode etik;
b) bentuk sosialisasi kode etik dan upaya penegakannya; dan
c) pernyataan bahwa kode etik berlaku bagi anggota Direksi, anggota Dewan Komisaris, dan karyawan.
Information on the code of conduct of Issuer or Public Company, including:
a) key Principles of Code of conduct;
b) the form of dissemination of the code of conduct and its enforcement efforts; and
c) statement that the code of conduct applies to members of the Board of Directors, members of the
Board of Commissioners, and employees of Issuer or Public Company.
16 Uraian singkat mengenai kebijakan pemberian kompensasi jangka panjang berbasis kinerja kepada 206
manajemen dan/atau karyawan yang dimiliki oleh Emiten atau Perusahaan Publik (jika ada), antara lain
berupa program kepemilikan saham oleh manajemen (management stock ownership program/MSOP)
dan/atau program kepemilikan saham oleh karyawan (employee stock ownership program/ESOP).
Brief description on the policy of providing long-term performance-based compensation to management
and/or employees owned by Issuer or Public Company (if any), including the management stock
ownership program (MSOP) and/or employee stock ownership program (ESOP).
17 Uraian singkat mengenai kebijakan pengungkapan informasi mengenai: 83-84,

a) kepemilikan saham anggota Direksi dan anggota Dewan Komisaris paling lambat 3 hari kerja setelah 323
terjadinya kepemilikan atau setiap perubahan kepemilikan atas saham Perusahaan Terbuka; dan
b) pelaksanaan atas kebijakan dimaksud.
Brief description on information disclosure policy regarding:
a) share ownership of members of the Board of Directors and members of the Board of Commissioners
shall be no later than 3 working days after the occurrence of ownership or any change in ownership of
shares of Public Company; and
b) implementation of the policy.
652
2021 BANK

No.
18 Uraian mengenai sistem pelaporan pelanggaran (whistleblowing system) di Emiten atau Perusahaan 568-574
Publik, paling sedikit memuat:
a) cara penyampaian laporan pelanggaran;
b) perlindungan bagi pelapor;
c) penanganan pengaduan;
d) pihak yang mengelola pengaduan; dan
e) hasil dari penanganan pengaduan.
Description on whistleblowing system in Issuer or Public Company, at least includes:
a) method of submitting a violation report;
b) protection for whistleblowers;
c) complaint handling;
d) the party in charge to manage complaint; and
e) result of complaint handling.
19 Uraian mengenai kebijakan antikorupsi, paling sedikit memuat: 577-578

a) program dan prosedur yang dilakukan dalam mengatasi praktik korupsi, balas jasa (kickbacks), fraud,
suap dan/atau gratifikasi dalam Emiten atau Perusahaan Publik; dan
b) pelatihan/sosialisasi antikorupsi kepada karyawan Emiten atau Perusahaan Publik;
Dalam hal Emiten atau Perusahaan Publik tidak memiliki kebijakan anti korupsi, maka dijelaskan alasan
tidak dimilikinya kebijakan dimaksud.
Description on Anti-Corruption Policy of Issuer or Public Company, at least includes:
a) programs and procedures to overcome corruption practices, kickbacks, fraud, bribery and/or gratuities
in Issuer or Public Company; and
b) anti-corruption training/socialization to all employees of Issuer or Public Company.
10 Penerapan atas pedoman tata kelola Perusahaan Terbuka bagi Emiten yang menerbitkan efek bersifat 228-262
ekuitas atau Perusahaan Publik, meliputi:
a) pernyataan mengenai rekomendasi yang telah dilaksanakan; dan/atau
b) penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan dan alternatif pelaksanaannya
(jika ada).
implementation of Public Company governance guidelines for Issuer that issues equity securities or
Public Company, including:
a) statement regarding the recommendations that have been realized; and/or
b) description on recommendations that have been realized, along with reasons and alternative
implementations (if any).
Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik | Social and Environmental Responsibilities of
Issuer or Public Company
1 Informasi yang diungkapkan dalam bagian tanggung jawab sosial dan lingkungan merupakan Laporan √
Keberlanjutan (Sustainability Report) sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan
Nomor 51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan,
Emiten, dan Perusahaan Publik.
Information disclosed in the social and environmental responsibility section is a Sustainability Report
as referred to in the Financial Services Authority Regulation No. 51/POJK.03/2017 on Implementation of
Sustainable Finance for Financial Services Institutions, Issuers, and Public Companies.
2 Laporan Keberlanjutan sebagaimana dimaksud pada angka 1, harus disusun sesuai Pedoman Teknis 27
Penyusunan Laporan Keberlanjutan (Sustainability Report) Bagi Emiten dan Perusahaan Publik
sebagaimana tercantum dalam Lampiran II, yang merupakan bagian tidak terpisahkan dari Surat Edaran
Otoritas Jasa Keuangan ini.
The Sustainability Report as referred to in point 1) must be prepared in accordance with the Technical
Guidelines for the Preparation of a Sustainability Report for Issuers and Public Companies as stated in
Appendix II which is an integral part of this Financial Services Authority Circular.
653
BANK 2021

No.
Laporan Keuangan Tahunan yang Telah Diaudit | Audited Annual Financial Report
1 Laporan keuangan tahunan yang dimuat dalam Laporan Tahunan disusun sesuai dengan standar 674
akuntansi keuangan di Indonesia dan telah diaudit oleh akuntan publik yang terdaftar di Otoritas Jasa
Keuangan. Laporan keuangan tahunan dimaksud memuat pernyataan mengenai pertanggungjawaban
atas laporan keuangan sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan mengenai
tanggung jawab Direksi atas laporan keuangan atau peraturan perundang-undangan di sektor pasar
modal yang mengatur mengenai laporan berkala perusahaan efek dalam hal Emiten merupakan
perusahaan efek.
The annual financial statements included in the Annual Report shall be prepared in accordance with
Indonesian financial accounting standards and have been audited by a public accountant registered
in the Financial Services Authority. The annual financial report shall contain a statement regarding the
accountability for financial statements as regulated in the Financial Services Authority Regulation on the
Board of Directors’ responsibility for financial reports or the laws and regulations in the capital market
sector regulating the periodic reports of securities companies in the event that the Issuer is a securities
company.
Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan
| Statement Letter of the Board of Directors and f the Board of Commissioners Members on Accountability for Annual Report
1 Surat pernyataan anggota Direksi dan anggota Dewan Komisaris tentang tanggung jawab atas Laporan 56-57
Tahunan disusun sesuai dengan format Surat Pernyataan Anggota Direksi dan Anggota Dewan
Komisaris tentang Tanggung Jawab atas Laporan Tahunan sebagaimana tercantum dalam Lampiran I
yang merupakan bagian tidak terpisahkan dari Surat Edaran Otoritas Jasa Keuangan ini.
Statement letter of the Board of Directors and members of the Board of Commissioners Members on
Accountability for Annual Report shall be prepared in accordance with the format of Statement Letter of
the Board of Directors and the Board of Commissioners Members on Accountability for Annual Report as
set forth in Appendix I which is an integral part of this Financial Services Authority Circular.
Referensi POJK No.51/POJK.03/2017 | POJK No.51/POJK.03/2017 References
Nomor
Pengungkapan Pengungkapan Halaman
Disclosure Disclosure Page
Number
1 Penjelasan strategi keberlanjutan | Sustainability Strategy Report 28-29
2 Ikhtisar kinerja aspek keberlanjutan | Sustainability Performance Highlights 14, 24-27
3 Profil singkat perusahaan | Brief Profile 58-81
4 Penjelasan Direksi | Board of Directors’ Report 46-55
5 Penerapan Keberlanjutan | Sustainability Implementation
5.a Uraian mengenai tugas bagi Direksi dan Dewan Komisaris, pegawai, pejabat 263-265
dan/atau unit kerja yang menjadi penanggung jawab penerapan Keuangan
Berkelanjutan
Description of the tasks of the Board of Directors and Commissioners, employees,
officers, and/or business units responsible for the implementation of Sustainable
Finance
5.b Penjelasan mengenai pengembangan kompetensi yang dilaksanakan terhadap 110

anggota Direksi, anggota Dewan Komisaris, pegawai, pejabat dan/atau unit kerja
yang menjadi penanggung jawab penerapan Keuangan Berkelanjutan
Description of the competency development conducted on the Board of
Directors, members of the Board of Commissioners, employees, officers, and/or
business units responsible for the implementation of Sustainable Finance
654
2021 BANK
Nomor
Number
5.c Penjelasan mengenai prosedur LJK, Emiten, dan Perusahaan Publik dalam 507-511
mengidentifikasi, mengukur, memantau, dan mengendalikan risiko atas
penerapan Keuangan Berkelanjutan terkait aspek ekonomi, sosial, dan
Lingkungan Hidup, termasuk peran Direksi dan Dewan Komisaris dalam
mengelola, melakukan telaah berkala, dan meninjau efektivitas proses
manajemen risiko ekonomi, lingkungan, dan sosial
Explanation of the procedures carried out by Financial Services Companies,

Issuers, and Public Companies for identifying, assessing, monitoring, and
controlling risks of Sustainable Finance implementation in relation to economic,
social, and environmental aspects, including the roles of Boards of Directors and
Commissioners in managing, conducting periodic reviews, and reviewing the
effectiveness of the economic, environmental, and social risk management
5.d Penjelasan mengenai pemangku kepentingan 262-270

Explanation of the stakeholders
5.e Permasalahan yang dihadapi, perkembangan, dan pengaruh terhadap 596

penerapan prinsip keberlanjutan
Issues, development, and contributing factors of Sustainable Finance
implementation
Kinerja keberlanjutan
6
Sustainability performance
6.a Penjelasan mengenai kegiatan membangun budaya keberlanjutan 72

Description of activities conducted to establish sustainability culture
6.b Uraian mengenai kinerja ekonomi 195-197,

Description of economic performance 582-584
6.c Kinerja sosial mencakup layanan yang setara kepada konsumen, 101-116,
ketenagakerjaan, dan masyarakat 584-590,
Social performance covering equal customer services, employment, and the 597-598
community
6.d Kinerja lingkungan hidup mencakup aspek energi dan biaya 25, 590-595
lingkungan hidup yang dikeluarkan
Environmental performance covering energy and environmental expenses
6.e Kinerja lingkungan hidup yang berkaitan dengan informasi kegiatan atau 25, 592-595
wilayah operasional yang menghasilkan dampak positif dan negatif bagi
ekosistem, informasi pelestarian keanekaragaman hayati, emisi, limbah, dan
jumlah materi pengaduan lingkungan hidup
Environmental performance covering Information on activities or operational
areas which generate positive and negative impacts on its surrounding
environment, particularly efforts to improve the ecosystem support, biodiversity,
emission, waste, and number of environmental complaints
6.f Tanggung jawab pengembangan produk dan/atau jasa ramah lingkungan, 599-607
evaluasi keamanan produk/jasa, dampak produk/jasa, dan survei kepuasan
pelanggan
Accountability in the Development of Sustainable products and/or services,
products/service safety evaluation, products/services impacts, and customer
satisfaction survey
655
BANK 2021
Nomor
Number
Verifikasi tertulis dari pihak independen 27

7
Written verification from Independent Party
Indeks Standar GRI | GRI Standard Index [102-55]
Standar Indikator Pengungkapan Halaman

Standard Indicators Disclosures Page
Pengungkapan Umum
General Disclosure
GRI 102: 102-1 Nama organisasi 63

Pengungkapan Name of the organization
Umum 2016
General Disclosures 102-2 Kegiatan, merek, produk, dan jasa 63, 73
2016 Activities, brands, products, & services
102-3 Lokasi kantor pusat 64

Location of headquarters
102-4 Lokasi operasi 64, 79

Location of operations
102-5 Kepemilikan dan bentuk hukum 63, 82

Ownership and legal form
102-6 Pasar yang dilayani 79

Markets served
102-7 Skala organisasi 14-21, 79

Scale of the organization
102-8 Informasi mengenai karyawan 101-104

Information on employees
102-10 Perubahan signifikan 79

Significant changes
656
2021 BANK
Standar Indikator Pengungkapan Halaman

Standard Indicators Disclosures Page
102-11 Pendekatan atau prinsip pencegahan 507-511

Precautionary Principle or approach
102-13 Keanggotaan asosiasi 82

Membership of associations
102-14 Sambutan Direktur Utama 46-55

Statement from the President Director
102-16 Nilai, prinsip, standar, dan norma perilaku 68-72

Values, principles, standards, and norms of behavior
102-18 Struktur tata kelola 81, 263

Governance structure
102-40 Daftar kelompok pemangku kepentingan 265-270

List of stakeholder groups
102-42 Mengidentifikasi dan memilih pemangku kepentingan 265

Identifying and selecting stakeholders
102-43 Pendekatan terhadap keterlibatan pemangku kepentingan

Approach to stakeholder engagement
102-44 Topik utama dan masalah yang dikemukakan

Key topics and concerns
102-45 Entitas yang termasuk dalam laporan keuangan konsolidasi

Entities included in the consolidated financial statements
102-48 Penyajian kembali informasi 27

Restatements of information
102-49 Perubahan dalam pelaporan 27

Changes in reporting
102-50 Periode pelaporan 27

Reporting period
102-51 Tanggal laporan terbaru 27

Date of the most recent report
102-52 Siklus pelaporan 27

Reporting cycle
102-54 Mengklaim pelaporan sesuai dengan Standar 27

In accordance with the GRI standards
102-55 Indeks isi GRI 656-658

GRI content index
102-56 Assurance oleh pihak eksternal 27

External assurance
657
BANK 2021
Pengungkapan Khusus
Specific Disclosures
GRI 301: 302-1 Konsumsi energi di dalam organisasi 593-594

Energi Energy consumption within the organization
Energy
302-4 Pengurangan konsumsi energi 593-594
Reduction of energy consumption
GRI 306: 306-3 Timbulan limbah 594

Limbah Waste generated
Waste
GRI 413: 413-1 Operasi dengan keterlibatan masyarakat lokal, penilaian 583-584
Komunitas Lokal dampak, dan program pengembangan
Local Community Operations with local community engagement, impact
assessments, and development programs
658
Laporan
Keuangan
Financial Statements
Untuk Tahun-Tahun yang Berakhir 31

Desember 2021, 2020 dan 2019
For the Years Ended December 2021,
2020 and 2019
Laporan Keuangan/
Financial Statements
Untuk Tahun-Tahun yang Berakhir 31 Desember 2021, 2020 dan 2019/

For the Years Ended December 2021, 2020 and 2019
PT BANK SINARMAS Tbk
Daftar Isi/Table of Contents
Halaman/
Page
Laporan Auditor Independen/

Independent Auditors’ Report
Surat Pernyataan Direksi tentang Tanggung Jawab atas Laporan Keuangan PT Bank
Sinarmas Tbk untuk Tahun-tahun yang Berakhir 31 Desember 2021, 2020 dan 2019/
The Directors’ Statement on the Responsibility for Financial Statements of PT Bank
Sinarmas Tbk for the Years Ended December 31, 2021, 2020 and 2019
Laporan Keuangan – Untuk tahun-tahun yang berakhir 31 Desember 2021, 2020 dan 2019/
Financial Statements – For the years ended December 31, 2021, 2020 and 2019
Laporan Posisi Keuangan/Statements of Financial Position 1
Laporan Laba Rugi dan Penghasilan Komprehensif Lain/Statements of Profit or Loss and 3
Other Comprehensive Income
Laporan Perubahan Ekuitas/Statements of Changes in Equity 4
Laporan Arus Kas/Statements of Cash Flows 6
Catatan atas Laporan Keuangan/Notes to Financial Statements 9

PT BANK SINARMAS Tbk PT BANK SINARMAS Tbk
Laporan Posisi Keuangan Statements of Financial Position
31 Desember 2021, 2020 dan 2019 December 31, 2021, 2020 and 2019
(Angka-angka Disajikan dalam Jutaan Rupiah, (Figures are Presented in Millions of Rupiah,
kecuali Dinyatakan Lain) unless Otherwise Stated)
Catatan/
Notes 2021 2020 2019
ASET ASSETS
Kas 571.425 629.712 615.219 Cash
Giro pada Bank Indonesia 4 2.137.244 1.623.067 2.060.593 Demand deposits with Bank Indonesia
Demand deposits with other banks -

Giro pada bank lain - pihak ketiga 5 3.151.343 2.158.349 360.934 third parties
Cadangan kerugian penurunan nilai (3.516) (1.543) - Allowance for impairment losses
Jumlah - bersih 3.147.827 2.156.806 360.934 Net
Penempatan pada Bank Indonesia 6 Placements with Bank Indonesia and

dan bank lain 9.592.917 1.905.327 1.039.622 other banks
Cadangan kerugian penurunan nilai - (9) - Allowance for impairment losses
Jumlah - bersih 9.592.917 1.905.318 1.039.622 Net
Efek-efek 7 Securities
Pihak berelasi 9.758 7.000 42.711 Related parties
Pihak ketiga 14.572.865 9.176.566 5.541.583 Third parties
Jumlah 14.582.623 9.183.566 5.584.294 Total
Cadangan kerugian penurunan nilai (92) (263) - Allowance for impairment losses
Efek-efek yang dibeli dengan janji jual 8 Securities purchased under agreements
kembali - pihak ketiga 1.673.712 4.587.757 108.681 to resell - third parties
Bunga diterima dimuka yang belum diamortisasi (725) (1.671) (16) Unamortized interest received
Jumlah bersih 1.672.987 4.586.086 108.665 Net
Kredit yang diberikan dan piutang/ 9

pembiayaan syariah Loan and receivables/sharia financing
Pihak berelasi 401.988 71.120 10.676 Related parties
Jumlah 17.931.776 20.477.292 22.497.252 Total
Cadangan kerugian penurunan nilai (1.617.907) (1.598.919) (1.182.755) Allowance for impairment losses
Tagihan akseptasi 10 Acceptance receivables

Pihak ketiga 249.811 273.417 385.012 Third parties
Cadangan kerugian penurunan nilai (2.646) (119.840) (119.800) Allowance for impairment losses
Jumlah - bersih 247.165 153.577 265.212 Net
Penyertaan modal sementara - setelah dikurangi 11 Temporary Equity Particition - net of

cadangan kerugian penurunan nilai sebesar allowance for impairment losses of
Rp 53.695 dan Rp 16.755 masing-masing pada Rp 53,695 and Rp 16,755 as of
tanggal 31 Desember 2020 dan 2019 - 281.405 318.345 December 31, 2020 and 2019, respectively
Pendapatan yang masih akan diterima 12 315.777 243.768 220.625 Accrued income
Biaya dibayar dimuka 13 1.601.446 1.935.587 1.724.015 Prepaid expenses
Aset tetap - setelah dikurangi 14 Property and equipment - net of

akumulasi penyusutan sebesar accumulated depreciation of Rp 1,181,611
Rp 1.181.611, Rp 932.341 dan Rp 688.484 Rp 932,341 and Rp 688,484 as of
masing-masing pada tanggal December 31, 2021, 2020 and 2019,
31 Desember 2021, 2020 dan 2019 1.540.865 1.584.298 1.399.242 respectively
Ijarah assets - net of

Aset Ijarah - setelah dikurangi 16 accumulated depreciation of Rp 51,169
akumulasi penyusutan sebesar Rp 80,038 and Rp 168,136 as of
Rp 51.169, Rp 80.038 dan Rp 168.136 masing-masing December 31, 2021, 2020 and 2019,
pada tanggal 31 Desember 2021, 2020 dan 2019 396.386 463.152 628.023 respectively
Aset pajak tangguhan - bersih 34 64.120 54.930 - Deferred tax assets - net
Aset lain-lain - bersih 17 487.422 932.663 920.270 Other assets - net
JUMLAH ASET 52.671.981 44.612.045 36.559.556 TOTAL ASSETS
Lihat catatan atas laporan keuangan yang merupakan See accompanying notes to financial statements
bagian yang tidak terpisahkan dari laporan keuangan. which are an integral part of the financial statements.
-1-
Catatan/
Notes 2021 2020 2019
LIABILITAS, DANA SYIRKAH TEMPORER LIABILITIES, TEMPORARY SYIRKAH FUNDS

DAN EKUITAS AND EQUITY
Liabilitas segera 18 116.189 193.249 131.750 Liabilities immediately payable
Simpanan 19 Deposits
Pihak berelasi 7.972.890 5.200.137 3.692.251 Related parties
Jumlah 37.961.555 30.763.916 24.652.197 Total
Simpanan dari bank lain 20 Deposits from other banks

Pihak berelasi - - 26.433 Related parties
Jumlah 79.243 61.198 800.259 Total
Efek-efek yang dijual dengan janji beli Securities sold under agrements to repurchase
kembali - pihak ketiga 21 - 1.042.913 236.699 - third parties
Utang pajak 22 29.745 71.082 38.428 Taxes payable
Liabilitas akseptasi 10 250.424 153.617 265.212 Acceptances payables
Beban yang masih harus dibayar 23 23.094 41.183 30.775 Accrued expenses
Liabilitas pajak tangguhan - bersih 34 - - 123.277 Deferred tax liabilities - net
Liabilitas imbalan kerja jangka panjang 40 27.840 29.288 13.032 Long-term employee benefits liability
Liabilitas lain-lain 24 311.579 201.475 94.290 Other liabilities
Jumlah Liabilitas 38.799.669 32.557.921 26.385.919 Total Liabilities
Dana Syirkah Temporer 25 Temporary Syirkah Funds
Simpanan Deposits
Pihak berelasi 1.009.811 719.407 240.764 Related parties
Jumlah 6.507.363 5.992.639 3.567.660 Total
Simpanan dari bank lain Deposits from other banks

Jumlah Dana Syirkah Temporer 6.512.896 5.997.280 4.099.174 Total Temporary Syirkah Funds
Ekuitas Equity
Modal saham - nilai nominal Rp 100 Capital stock - Rp 100

(dalam Rupiah penuh) per saham (in full Rupiah) par value per share
Modal dasar - 60.000.000.000 saham Authorized - 60,000,000,000 shares
Modal ditempatkan dan disetor - Issued and paid-up shares
17.461.803.306 saham, 17.461.803.306 saham 17,461,803,306, 17,461,803,306 shares
dan 16.981.803.206 saham masing-masing and 16,981,803,206 shares
pada tanggal 31 Desember 2021, as of December 31, 2021
2020 dan 2019 26 1.746.180 1.746.180 1.698.180 2020 and 2019, respectively
Tambahan modal disetor - bersih 26 2.368.655 2.368.655 2.116.655 Additional paid-in capital - net
Dana setoran modal 27 1.408.975 - - Advance for share subscription
Komponen ekuitas lainnya 7,14 407.324 637.954 483.426 Other equity components

Ditentukan penggunaannya 41 8.500 8.000 7.500 Appropriated
Tidak ditentukan penggunaannya 1.419.782 1.296.055 1.768.702 Unappropriated
Jumlah Ekuitas 7.359.416 6.056.844 6.074.463 Total Equity
JUMLAH LIABILITAS, DANA SYIRKAH TEMPORER TOTAL LIABILITIES, TEMPORARY SYIRKAH

DAN EKUITAS 52.671.981 44.612.045 36.559.556 FUNDS AND EQUITY
-2-
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Statements of Profit or Loss and Other Comprehensive Income
Untuk Tahun-tahun yang Berakhir 31 Desember 2021, 2020 dan 2019 For the Years Ended December 31, 2021, 2020 and 2019
Catatan/
Notes 2021 2020 2019
PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUES AND EXPENSES

Pendapatan bunga 28 2.622.909 2.632.465 2.781.204 Interest revenues
Pendapatan bagi hasil 28 695.070 667.796 579.656 Profit sharing income
Beban bunga 29 (687.603) (905.187) (967.014) Interest expense
Beban bagi hasil 29 (214.579) (206.870) (183.343) Profit sharing expenses
Interest Revenues and Profit Sharing

Pendapatan Bunga dan Bagi Hasil - Bersih 2.415.797 2.188.204 2.210.503 Income - Net
Pendapatan Operasional Lainnya Other Operating Revenues

Provisi dan komisi selain dari Fees and commissions other than
kredit 2 649.365 598.706 976.899 from loans
Keuntungan kurs mata uang asing - bersih 39.385 67.970 28.221 Gain on foreign exchange - net
Keuntungan efek-efek yang diukur dari kenaikan Gain on increase in fair value of securities
nilai wajar melalui laba rugi - bersih 5.883 2.491 5.593 through profit and loss - net
Keuntungan dari penjualan efek-efek yang diukur Gain on sale of fair value of securities
melalui laba rugi - bersih 2 177.855 372.456 2.632 through profit and loss - net
Lain-lain 32 52.890 646.106 1.012.935 Others
Jumlah Pendapatan Operasional 3.341.175 3.875.933 4.236.783 Total Operating Revenues
Beban Operasional Lainnya Other Operating Expenses

Kerugian penurunan nilai aset keuangan 832.151 1.366.010 2.024.718 Impairment losses on financial assets
Umum dan administrasi 30 1.147.080 1.125.180 1.043.445 General and administrative expenses
Tenaga kerja 31 761.502 758.862 677.630 Personnel expenses
Penyusutan aset tetap 14 252.403 245.687 138.558 Depreciation - property and equipment
Biaya komisi 45.021 43.948 75.488 Commission expense
Lain-lain 33 143.500 219.646 195.051 Others
Jumlah Beban Operasional 3.181.657 3.759.333 4.154.890 Total Operating Expenses
LABA SEBELUM PAJAK 159.518 116.600 81.893 PROFIT BEFORE TAX
BEBAN PAJAK 34 TAX EXPENSE

Kini 33.571 48.580 16.101 Current
Tangguhan (1.801) (50.502) 59.040 Deferred
31.770 (1.922) 75.141
LABA BERSIH 127.748 118.522 6.752 PROFIT FOR THE YEAR
PENGHASILAN (RUGI) KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME (LOSS)

Pos yang akan direklasifikasi Item that will be reclassified subsequently to
ke laba rugi profit or loss
Laba (rugi) yang belum direalisasi atas perubahan Unrealized gain (loss) on change in fair value
nilai wajar dari efek-efek yang diukur melalui of securities at fair value through other
penghasilan komprehensif lain 7 (237.193) 163.441 - comprehensive income
Pajak sehubungan dengan pos yang Tax relating to items that will be
akan direklasifikasi 34 6.563 (10.848) - reclassified
Laba yang belum direalisasi atas kenaikan
nilai wajar dari efek-efek dalam kelompok Unrealized gain on increase
tersedia untuk dijual 7 - - 116.175 in fair value of AFS securities
Pajak sehubungan dengan pos yang Tax relating to items that will be
akan direklasifikasi 34 - - 12.699 reclassified
(230.630) 152.593 128.874
Pos yang tidak akan direklasifikasi ke laba rugi -

bersih setelah dampak pajak tangguhan Items that will not be reclassified to profit or loss
Revaluasi aset tetap 14 - - 86.307 Gain on revaluation of property and equipment
Pengukuran kembali liabilitas imbalan kerja Remeasurement of long-term employee
jangka panjang 40 (4.347) (8.944) (5.187) benefits liability
Pajak sehubungan dengan pos yang tidak Tax relating to items that will not be
akan direklasifikasi 34 826 1.699 1.297 reclassified
(3.521) (7.245) 82.417
JUMLAH PENGHASILAN (RUGI) TOTAL OTHER COMPREHENSIVE

KOMPREHENSIF LAIN (234.151) 145.348 211.291 INCOME (LOSS)
JUMLAH PENGHASILAN (RUGI) KOMPREHENSIF (106.403) 263.870 218.043 TOTAL COMPREHENSIVE INCOME (LOSS)
LABA BERSIH PER SAHAM EARNINGS PER SHARE

(dalam Rupiah penuh) 35 (in full Rupiah)
Dasar 6,75 6,80 0,43 Basic
Dilusian - 6,00 0,34 Diluted
-3-
Laporan Perubahan Ekuitas Statement of Changes in Equity
(Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain) (Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
Komponen Ekuitas Lainnya/Other Equity Components

Laba (Rugi) yang
Belum Direalisasi
atas Perubahan Surplus
Nilai Wajar Efek/ Revaluasi
Tambahan Modal Dana Setoran Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ Modal/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Advance for Shares Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Subscriptions Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2021/

Balance as of January 1, 2021 1.746.180 2.368.655 - 244.211 393.743 8.000 1.296.055 6.056.844
Pembentukan cadangan umum/
Appropriation for general reserve 41 - - - - - 500 (500) -
Penambahan dana setoran modal
Advance for shares subscriptions 26,27 - - 1.408.975 - - - - 1.408.975
Laba tahun berjalan/
Profit for the year - - - - - - 127.748 127.748
Penghasilan (rugi) komprehensif lain/
Other comprehensive income (loss)
Rugi yang belum direalisasi atas perubahan
nilai wajar efek-efek yang diukur pada nilai
wajar melalui penghasilan komprehensif lain/
Unrealized loss on change in fair value of
securities measured at fair value through
other comprehensive income - - - (230.630) - - - (230.630)
Pengukuran kembali liabilitas imbalan
kerja jangka panjang/
Remeasurement of long - term
employee benefits liability 40 - - - - - - (3.521) (3.521)
Saldo pada tanggal 31 Desember 2021/

Balance as of December 31, 2021 1.746.180 2.368.655 1.408.975 13.581 393.743 8.500 1.419.782 7.359.416
-4-

Laba (Rugi) yang
Belum Direalisasi
Tambahan Modal Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 31 Desember 2019 -

sebelum dampak penyesuaian/
Balance as of December 31, 2019 -
before adjustments 1.698.180 2.116.655 89.683 393.743 7.500 1.768.702 6.074.463
Penyesuaian dampak penerapan PSAK No. 71 :/
Impact of initial adoption of PSAK No. 71 : 48 - - 1.935 - - (583.424) (581.489)
Saldo pada tanggal 1 Januari 2020 -
setelah dampak penyesuaian/
Balance as of January 1, 2020 -
after adjustments 1.698.180 2.116.655 91.618 393.743 7.500 1.185.278 5.492.974
Appropriation for general reserve 41 - - - - 500 (500) -
Penambahan modal saham dari
konversi Waran Seri III
Additional issuance of capital stock
from conversion of Series III Warrants 26,27 48.000 252.000 - - - - 300.000
Profit for the year - - - - - 118.522 118.522
Other comprehensive income (loss)
Keuntungan yang belum direalisasi atas
perubahan nilai wajar efek-efek yang
diukur melalui penghasilan komprehensif lain/
Unrealized gain on changes of securities at fair
value of securities measured at fair value
through other comprehensive income - - 152.593 - - - 152.593
employee benefits liability 40 - - - - - (7.245) (7.245)

Balance as of December 31, 2020 1.746.180 2.368.655 244.211 393.743 8.000 1.296.055 6.056.844
-5-

Laba (Rugi) yang
Belum Direalisasi
Tambahan Modal Unrealized Gain (Loss) Aset Tetap/ Saldo Laba/Retained Earnigs
Disetor - Bersih/ on Change in Revaluation Ditentukan Tidak Ditentukan
Catatan/ Modal Saham/ Addition Paid Fair Value of Surplus of Property Penggunaanya/ Penggunaanya/ Jumlah Ekuitas/
Notes Capital Stock in Capital Securities and Equipment Appropriated Unappropriated Total Equity
Saldo pada tanggal 1 Januari 2019/

Balance as of January 1, 2019 1.538.180 1.276.655 (39.191) 307.436 7.000 1.766.340 4.856.420
Appropriation for general reserve 41 - - - - 500 (500) -
Penambahan modal saham dari
konversi Waran Seri III/
Additional issuance of capital stock
from conversion of Series III Warrants 26,27 160.000 840.000 - - - - 1.000.000
Profit for the year - - - - - 6.752 6.752
Other comprehensive income
Keuntungan yang belum direalisasi atas
perubahan nilai wajar efek-efek yang diukur
melalui penghasilan komprehensif lain/
Unrealized gain on changes of securities at fair
value of securities measured at fair value
through other comprehensive income - - 128.874 - - - 128.874
employee benefits liability 40 - - - - - (3.890) (3.890)
Surplus revaluasi aset tetap/
Revaluation surplus of property & equipment 14 - - - 86.307 - - 86.307

Balance as of December 31, 2019 1.698.180 2.116.655 89.683 393.743 7.500 1.768.702 6.074.463
-6-
Laporan Arus Kas Statements of Cash Flows
Catatan/
Notes 2021 2020 2019
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOWS FROM OPERATING ACTIVITIES
Pendapatan bunga 12,28 2.561.339 2.607.985 2.796.025 Interest revenues
Pendapatan bagi hasil 12,28 831.025 889.051 834.304 Profit sharing income
Pendapatan operasional lainnya 32 879.489 1.616.957 1.992.442 Other operating income
Beban bunga 23,29 (701.963) (900.725) (966.144) Interest expense
Beban bagi hasil 23,29 (218.308) (200.924) (185.156) Profit sharing expenses
Keuntungan (kerugian) selisih kurs
mata uang asing - bersih (51.509) 41.936 82.657 Gain (loss) on foreign exchange - net
Pembayaran pajak penghasilan badan 34 (55.055) (33.586) (7.523) Payment of corporate income tax
Beban umum dan administrasi 30 (1.152.875) (1.114.117) (1.094.752) General and administrative expenses
Beban tenaga kerja 31 (761.502) (758.862) (677.630) Salaries expense
Beban operasional lainnya 33 (75.517) (185.182) (147.958) Other operational expenses
Arus kas operasional sebelum perubahan Operating cash flow before changes in operating
aset dan liabilitas operasi 1.255.124 1.962.533 2.626.265 assets and liabilities
Penurunan (kenaikan) aset operasi: Decrease (increase) in operating assets :

Penempatan pada bank lain dan Bank
Indonesia 6 - 138.825 (70.547) Placements with other banks and Bank Indonesia
Efek-efek 7 (5.630.368) (3.709.120) (2.265.221) Securities
Efek yang dibeli dengan janji dijual kembali 8 2.913.099 (4.477.421) 381.147 Securities purchased under agreements to resell
Kredit yang diberikan 9 2.048.171 2.013.671 (3.770.905) Loans
Pembiayaan syariah 9 (153.724) (1.484.933) (366.607) Sharia financing
Pembayaran tagihan akseptasi 10 23.606 111.595 (32.755) Payment of acceptance receivables
Penyertaan modal sementara 11 - - (335.100) Temporary Investment
Biaya dibayar dimuka 13 334.141 (234.858) (1.464.455) Prepaid expenses
Aset ijarah 16 (79.628) (55.047) (256.853) Ijarah assets
Aset lain-lain 17 238.815 (235.898) (243.322) Other assets
Kenaikan (penurunan) liabilitas operasi: Increase (decrease) in operating liabilities :
Liabilitas segera 18 (77.060) 61.499 (60.291) Liabilities immediately payable
Simpanan 19 7.197.639 6.111.718 2.662.768 Deposits
Simpanan dari bank lain 20 18.045 (739.061) (21.239) Deposits from other banks
Utang pajak 22,34 (19.853) 17.660 (4.572) Taxes payable
Efek yang dijual dengan janji beli kembali 21 (1.042.913) 806.214 236.699 Securities sold under agrements to repurchase
Liabilitas akseptasi 10 96.807 (111.595) 32.755 Acceptances payables
Liabilitas lain-lain 24 199.554 42.691 394 Other liabilities
Kenaikan (penurunan) dana syirkah Increase (decrease) in syirkah
temporer: 25 temporary funds:
Simpanan 514.724 2.424.979 1.258.662 Deposits
Simpanan dari bank lain 892 (526.873) 481.036 Deposits from other banks
Kas Bersih Diperoleh dari (Digunakan untuk)

Aktivitas Operasi 7.837.071 2.116.579 (1.212.141) Net Cash Provided by (Used for) Operating Activities
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOWS FROM INVESTING ACTIVITIES
Hasil penjualan aset tetap 14 636 379 221 Proceeds from sale of property and equipment
Perolehan aset tetap 14 (115.564) (242.957) (240.196) Acquisitions of property and equipment
Kas Bersih Digunakan untuk Aktivitas Investasi (114.928) (242.578) (239.975) Net Cash Used in Investing Activities
ARUS KAS DARI AKTIVITAS PENDANAAN CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from additional issuance of capital stock
Hasil konversi waran 26,27 1.408.975 300.000 1.000.000 through conversion of warrants
Pembayaran liabilitas sewa 24 (79.966) (96.901) - Proceeds from lease liabilities
Kas Bersih Diperoleh dari Aktivitas Pendanaan 1.329.009 203.099 1.000.000 Net Cash Provided by Financing Activities
KENAIKAN (PENURUNAN) BERSIH NET INCREASE (DECREASE) IN CASH AND

KAS DAN SETARA KAS 9.051.152 2.077.100 (452.116) CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS AT THE
KAS DAN SETARA KAS AWAL TAHUN 6.316.455 4.213.323 4.719.849 BEGINNING OF THE YEAR
Pengaruh perubahan kurs mata uang asing 85.322 26.032 (54.410) Effect on foreign exchange rate changes
CASH AND CASH EQUIVALENTS AT END OF

KAS DAN SETARA KAS AKHIR TAHUN 15.452.929 6.316.455 4.213.323 THE YEAR
-7-
Laporan Arus Kas Statements of Cash Flows
Catatan/
Notes 2021 2020 2019
PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURES

Kas dan Setara Kas terdiri dari: Cash and Cash Equivalents Consist of :
Kas 571.425 629.712 615.219 Cash
Giro pada Bank Indonesia 4 2.137.244 1.623.067 2.060.593 Demand deposits with Bank Indonesia
Giro pada bank lain 5 3.151.343 2.158.349 360.934 Demand deposits with other banks
Penempatan pada Bank Indonesia
dan bank lain - jangka waktu jatuh Placements with Bank Indonesia and other bank
tempo tiga bulan atau kurang sejak - original maturities of three months or less
tanggal perolehan 6 9.592.917 1.905.327 900.797 from the acquisition date
Efek-efek - jangka waktu jatuh tempo
tiga bulan atau kurang sejak tanggal Securities - original maturities of three months or
perolehan 7 - - 275.780 less from the acquisition date
Jumlah Kas dan Setara Kas 15.452.929 6.316.455 4.213.323 Total Cash and Cash Equivalents
-8-
Catatan atas Laporan Keuangan Notes to Financial Statements
Untuk Tahun-tahun yang Berakhir For the Years Ended
1. Umum 1. General
a. Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank Sinarmas Tbk (“Perusahaan”) PT Bank Sinarmas Tbk (“the Company”)

didirikan pada tahun 1989 dengan nama was established in 1989 as PT Bank Shinta
PT Bank Shinta Indonesia, berdasarkan Indonesia, based on Notarial Deed No. 52
Akta No. 52 tanggal 18 Agustus 1989 dari dated August 18, 1989 of Buniarti Tjandra,
Buniarti Tjandra, S.H., notaris di Jakarta, S.H., public notary in Jakarta, as amended
dan telah diubah dengan Akta No. 91 by Notarial Deed No. 91 dated
tanggal 15 September 1989 dari notaris September 15, 1989, of the same notary.
yang sama. Akta pendirian ini telah The Deed of Establishment was approved
mendapat pengesahan dari Menteri by the Minister of Justice of the Republic of
Kehakiman Republik Indonesia melalui Indonesia in his Decision Letter
Surat Keputusan No. C2-9142.HT.01.01- No. C2-9142.HT.01.01-TH.89 dated
TH.89 tanggal 27 September 1989 dan September 27, 1989 and published in
diumumkan dalam Berita Negara Republik Supplement No. 6448 of the State Gazette
Indonesia No. 49 tanggal 21 Juni 2005, of the Republic of Indonesia No. 49 dated
Tambahan No. 6448. June 21, 2005.
Pada tanggal 26 Januari 2007, On January 26, 2007, the Company has
Perusahaan berganti nama menjadi changed its name into PT Bank Sinarmas.
PT Bank Sinarmas. Perubahan nama The said change was approved by the
tersebut telah disetujui melalui Rapat stockholders in the Extraordinary
Umum Pemegang Saham Luar Biasa Stockholders’ Meeting, which resolution was
Perusahaan yang didokumentasikan dalam stated in Notarial Deed No. 1 dated
Akta No. 1 tanggal 21 November 2006 dari November 21, 2006 of Triphosa Lily
Triphosa Lily Ekadewi, S.H., notaris di Ekadewi, S.H., public notary in Jakarta.
Jakarta. Perubahan Anggaran Dasar The amendment to the Articles of
tersebut telah memperoleh persetujuan dari Association was approved by the Minister of
Menteri Hukum dan Hak Asasi Manusia Law and Human Rights of the Republic of
Republik Indonesia dengan Surat Indonesia in his Decision Letter
Keputusannya No. W7-03960 HT.01.04- No. W7-03960 HT.01.04-TH.2006 dated
TH.2006 tanggal 20 Desember 2006. December 20, 2006. Such change in
Perubahan nama tersebut juga telah name was approved by Bank Indonesia
mendapat persetujuan dari Bank Indonesia based on its Decision Letter
berdasarkan Keputusan Gubernur Bank No. 9/4/KEP.GBI/2007 dated January 22,
Indonesia No.9/4/KEP.GBI/2007 tanggal 2007, wherein the Business License Under
22 Januari 2007 tentang Perubahan Izin the Name of PT Bank Shinta Indonesia was
Usaha Atas Nama PT Bank Shinta changed to Business License Under the
Indonesia menjadi Izin Usaha Atas Nama Name of PT Bank Sinarmas.
PT Bank Sinarmas.
Berdasarkan Akta No. 1 tanggal 8 Oktober The Company’s Articles of Association has
2009 dari Endang Saritomo Utari, S.H., been amended, as stated in Deed No. 1
notaris di Jakarta, terdapat perubahan dated October 8, 2009 from Endang
Anggaran Dasar dalam rangka Saritomo Utari, SH, notary in Jakarta,
melaksanakan kegiatan usaha berdasarkan concerning the conduct of business activities
prinsip perbankan syariah dan to be based on principles of
perpanjangan masa jabatan direksi dan Islamic banking and the extension of terms
komisaris. Perubahan ini telah disetujui of office of the directors and commissioners.
oleh Menteri Hukum dan Hak Asasi These amendments were approved by the
Manusia Republik Indonesia dalam Minister of Justice and Human Rights of
Surat Keputusan No. AHU-AH.01.10- Republic of Indonesia in his Decree
22484. Tahun 2009 tanggal 11 Desember No. AHU-AH.01.10-22484. Year 2009 dated
2009. December 11, 2009.
-9-
Berdasarkan Rapat Umum Pemegang In the General Shareholders' Meeting held

Saham tanggal 6 April 2010 yang on April 6, 2010, which was stated in the
didokumentasikan dalam Akta No. 31 Deed. No. 31 dated April 6, 2010 from
tanggal 6 April 2010 dari Sutjipto, S.H., Sutjipto, SH., Mkn, public notary in Jakarta,
Mkn, notaris di Jakarta, pemegang saham the Shareholders approved the splitting of
menyetujui pemecahan nilai nominal the number of shares through decrease in
saham Perusahaan dari Rp 500.000 par value per share from Rp 500,000
(dalam Rupiah penuh) per saham menjadi (in full Rupiah) per share into Rp 100
Rp 100 (dalam Rupiah penuh) per saham (in full Rupiah) per share and changing the
dan perubahan status Perusahaan menjadi status of the Company to become a Public
Perusahaan Terbuka (Tbk) dengan nama Company under the new name PT Bank
PT Bank Sinarmas Tbk. Sinarmas Tbk.
Perubahan tersebut telah mendapat The related amendments of the Articles of

pengesahan dari Menteri Kehakiman Association were approved by the Minister
dan Hak Asasi Manusia Republik Indonesia of Justice of the Republic of Indonesia in his
dengan Surat Keputusan Decision Letter No. AHU-22745.AH.01.02
No. AHU-22745.AH.01.02 Tahun 2010 Tahun 2010 dated May 4, 2010 and were
tanggal 4 Mei 2010 serta telah dilaporkan reported to Bank Indonesia by Letter
kepada Bank Indonesia melalui surat No. SKL.121/2010/PRESDIR-CorpSec
No. SKL.121/2010/PRESDIR-CorpSec dated May 7, 2010.
tanggal 7 Mei 2010.
Kantor pusat Perusahaan beralamat di The Company’s head office is located at

Sinarmas Land Plaza, Menara I, Jln. M.H. Sinarmas Land Plaza, Tower I, Jln. M.H.
Thamrin No. 51, Jakarta. Perusahaan Thamrin No. 51, Jakarta. The Company has
memiliki 1 kantor cabang utama, 67 kantor 1 main branch, 67 branches, 71 functional
cabang, 71 kantor fungsional operasional, sub-branch, 22 functional UMK offices, 191
22 kantor fungsional UMK, 191 kantor sub-branches, 31 sharia branches, 12 sharia
cabang pembantu, 31 kantor cabang cash offices and 3 cash cars, all located in
syariah, 12 kantor kas syariah, dan 3 mobil Indonesia.
kas keliling yang semuanya berlokasi di
Indonesia.
PT Sinar Mas Multiartha (SMMA) Tbk, The immediate holding entity of the
merupakan entitas induk Perusahaan yang Company is PT Sinar Mas Multiartha Tbk
didirikan di Indonesia. (SMMA), a limited liability company
incorporated in Indonesia.
Pemegang saham akhir (ultimate As of December 31, 2021, 2020 and 2019,
shareholder) Perusahaan pada tanggal the ultimate shareholder of the Company is
31 Desember 2021, 2020 dan 2019 adalah PT Sinarmas Cakrawala.
PT Sinarmas Cakrawala.
Sesuai dengan pasal 3 Anggaran Dasar, In accordance with article 3 of the

maksud dan tujuan didirikannya Company’s Articles of Association, the
Perusahaan adalah untuk menjalankan scope of its activities is to engage mainly in
usaha di bidang perbankan. general banking business.
Perusahaan mulai beroperasi secara The Company started its commercial

komersial pada tanggal 16 Februari 1990, operations on February 16, 1990, based on
sesuai dengan izin usaha yang diberikan the business license granted by the Minister
oleh Menteri Keuangan Republik Indonesia of Finance of the Republic of Indonesia in
dalam Surat Keputusan No. 156/KMK.013/ his Decision Letter No. 156/KMK.013/1990
1990 tanggal 16 Februari 1990. Sesuai dated February 16, 1990. Pursuant to Bank
dengan Surat Keputusan Bank Indonesia Indonesia’s Decree No. 27/156/KEP/DIR
No. 27/156/KEP/DIR tanggal 22 Maret dated March 22, 1995, the Company is
1995, Perusahaan memperoleh authorized to operate as a Foreign
peningkatan status menjadi Bank Devisa. Exchange Bank.
- 10 -
Perusahaan memperoleh izin usaha The Company obtained its business license
perbankan berdasarkan prinsip syariah activities to be based on principles of
berdasarkan surat keputusan Deputi islamic banking through decision letter of
Gubernur Bank Indonesia Deputy Governor of Bank Indonesia
No. 11/13/KEP.DpG/2009 tanggal No. 11/13/KEP.DpG/2009 dated
27 Oktober 2009. October 27, 2009.
Pada tanggal 30 Januari 2012, Perusahaan On January 30, 2012, the Company
memperoleh Surat Keputusan received a Decision Letter
No. KEP21/BL/2012 dari Ketua badan No. KEP-21/BL/2012 from the Capital
Pengawas Pasar Modal dan Lembaga Market and Financial Institution Supervisory
Keuangan mengenai persetujuan Agency regarding the approval for the
Perusahaan sebagai kustodian di pasar Company as a custodian in capital market.
modal. Sampai dengan tanggal As of date of completion of the financial
penyelesaian laporan keuangan ini, statements, the custodian activity has not
kegiatan kustodian belum dimulai. started yet.
b. Penawaran Umum Efek Perusahaan b. Public Offering of Shares
Pada tanggal 29 November 2010, On November 29, 2010, the Company

Perusahaan memperoleh pernyataan obtained the Notice of Effectivity from the
efektif dari Ketua Badan Pengawas Pasar Chairman of the Capital Market and
Modal dan Lembaga Keuangan Financial Institutions Supervisory Agency
(Bapepam dan LK) atau sekarang Otoritas (Bapepam – LK) or currently Financial
Jasa Keuangan (OJK) melalui surat Services Authority (OJK) in his letter
No. S-10683/BL/2010 untuk penawaran No. S-10683/BL/2010 for the initial public
umum perdana atas 1.600 lembar offering (IPO) of the 1,600 new shares with
saham Perusahaan dengan nilai nominal par value of Rp 100 (in full Rupiah) per
Rp 100 (dalam Rupiah penuh) per saham share at offering price of Rp 150 (in full
pada harga penawaran Rp 150 (dalam Rupiah) per share with attached
Rupiah penuh) per saham dimana melekat 1,920,000,000 Series I Warrants (Note 26).
1.920.000.000 waran Seri I (Catatan 26). Each holder of five (5) new shares of the
Setiap pemegang 5 (lima) saham baru Company is entitled to six (6) warrants
Perusahaan berhak memperoleh 6 (enam) where each one (1) warrant entitles the
waran dimana setiap 1 (satu) waran holder to purchase one (1) new share of the
memberikan hak kepada pemegangnya Company at exercise price of Rp 150 (in full
untuk membeli 1 (satu) saham baru Rupiah) per share, which can be exercised
Perusahaan dengan harga from June 13, 2011 until December 13,
pelaksanaannya sebesar Rp 150 (dalam 2015.
Rupiah penuh), yang dapat dilakukan mulai
tanggal 13 Juni 2011 sampai dengan
tanggal 13 Desember 2015.
Penawaran umum perdana saham The IPO was approved by Bank Indonesia in
Perusahaan telah mendapat persetujuan its Letter No. 12/52/DPB3/TPB 3 - 1
dari Bank Indonesia melalui surat dated August 5, 2010. On December 13,
No. 12/52/DPB3/TPB 3 - 1 tanggal 2010, the Company’s shares and warrants
5 Agustus 2010. Saham-saham have been listed to the Indonesia Stock
Perusahaan telah tercatat di Bursa Efek Exchange.
Indonesia pada tanggal 13 Desember
2010.
- 11 -
Pada tanggal 15 Juni 2012, Perusahaan On June 15, 2012, the Company obtained
memperoleh Pernyataan Efektif dari the Notice of Effectivity from the
Ketua Bapepam dan LK (sekarang OJK) Chairman Bapepam – LK in his letter
melalui surat No. S-7561/BL/2012 untuk No. S-7561/BL/2012 for the Limited Public
Penawaran Umum Terbatas I (PUT I) Offering I with preemptive rights to
kepada Pemegang Saham dengan Hak Stockholders for 1,203,186,138 common
Memesan Efek Terlebih Dahulu (HMETD) shares with par value of Rp 100 (in full
atas 1.203.186.138 lembar Saham Biasa Rupiah) per share at exercise price of
Atas Nama dengan nilai nominal Rp 100 Rp 250 (in full Rupiah) per share with
(dalam Rupiah penuh) per saham yang attached 2,996,614,532 Series II Warrants
ditawarkan dengan harga pelaksanaan (Note 26). Every holder of 400 existing
Rp 250 (dalam Rp penuh) per saham shares has 53 pre-emptive rights to
dimana melekat 2.996.614.532 waran purchase 53 new shares, wherein for every
Seri II (Catatan 26). Setiap pemegang 400 53 new shares, 132 Series II Warrants is
saham lama berhak atas 53 HMETD untuk attached, free of charge. Series II Warrants
membeli 53 saham, dimana pada setiap are given as incentives to stockholders to
53 saham baru melekat 132 Waran Seri II purchase new shares at a par value of
yang diberikan oleh Perusahaan secara Rp 100 (in full Rupiah) per share, with
cuma-cuma. Waran Seri II diberikan exercise price of Rp 250 (in full Rupiah)
sebagai insentif kepada pemegang saham per share, which can be exercised from
untuk melakukan pembelian saham baru January 11, 2013 until June 29, 2017,
yang bernilai nominal Rp 100 (dalam wherein every one (1) Series II Warrant is
Rupiah penuh) per saham dengan harga entitled to purchase one (1) new share at
pelaksanaan sebesar Rp 250 (dalam the exercise price.
Rupiah penuh) per saham yang dapat
dilakukan selama masa laku pelaksanaan
yaitu mulai tanggal 11 Januari 2013 sampai
dengan 29 Juni 2017 dimana setiap
1 (satu) Waran Seri II berhak membeli
1 (satu) saham baru pada harga
pelaksanaannya.
Berdasarkan Akta No. 45 tanggal In accordance with the Notarial Deed

13 Juni 2014 dari Aryanti Artisari, S.H., No. 45 dated June 13, 2014 of Aryanti
M.Kn., notaris di Jakarta, tentang Berita Artisari, S.H., M.Kn., public notary in
Acara Rapat Umum Pemegang Saham Jakarta, concerning the Extraordinary
Luar Biasa (RUPSLB), dimana pemegang Stockholders’ Meeting (ESM), the
saham Perusahaan menyetujui untuk Company’s stockholders approved the
menerbitkan 1.312.411.310 lembar saham issuance of 1,312,411,310 shares at a price
pada harga yang akan ditentukan oleh to be determined by Directors with approval
Direksi dengan persetujuan Dewan from Board of Commisioners by “Rights
Komisaris melalui Penambahan Modal Issue Without Pre-Emptive Rights”. On
Tanpa Hak Memesan Efek Terlebih Dahulu October 31, 2014 and November 24, 2014,
(PMTHMETD). Pada tanggal 31 Oktober the Company issued 888,888,888 shares
2014 dan 24 November 2014, Perusahaan and 7,646,526 shares, respectively,
melaksanakan PMTHMETD tahap 1 dan 2 at Rp 270 (in full Rupiah) per share. The
masing-masing sebanyak 888.888.888 dan total proceeds in relation to this “Rights
7.646.526 lembar saham dengan harga Issue Without Pre-Emptive Rights”
pelaksanaan masing-masing sebesar amounted to Rp 242,064.
Rp 270 (dalam Rupiah penuh). Jumlah
dana yang diperoleh dari pemegang saham
dalam pelaksanaan PMTHMETD adalah
sebesar Rp 242.064.
- 12 -
Pada tanggal 27 April 2016, Perusahaan On April 27, 2016, the Company
memperoleh Pernyataan Efektif dari obtained the Notice of Effectivity from
Otoritas Jasa Keuangan melalui surat Financial Services Authority (OJK) in its
No. S-202/D.04/2016 untuk Penawaran letter No. S-202/D.04/2016 for the limited
Umum Terbatas II (PUT II) kepada initial public offering II (PUT II) with
Pemegang Saham dengan Hak Memesan preemptive rights to Stockholders for
Efek Terlebih Dahulu (HMETD) atas 1,099,490,445 common shares with par
1.099.490.445 lembar Saham Biasa Atas value of Rp 100 (in full Rupiah) per share at
Nama dengan nilai nominal Rp 100 (dalam exercise price of Rp 400 (in full Rupiah) per
Rupiah penuh) per saham yang ditawarkan share with attached 4,397,961,780 Series III
dengan harga pelaksanaan Rp 400 (dalam Warrants. Every holder of 13 existing shares
Rupiah penuh) per saham dimana melekat has 1 pre-emptive right to purchase 1 new
4.397.961.780 waran Seri III. Setiap share, wherein for every 1 new share,
pemegang 13 saham lama berhak atas 4 Series III Warrants are attached, free of
1 HMETD untuk membeli 1 saham baru, charge. Series III Warrants are given as
dimana pada setiap 1 saham baru melekat incentives to stockholders to purchase new
4 Waran Seri III yang diberikan oleh shares at a par value of Rp 100 (in full
Perusahaan secara cuma-cuma. Waran Rupiah) per share, with exercise price of
Seri III diberikan sebagai insentif kepada Rp 625 (in full Rupiah) per share, which can
pemegang saham untuk melakukan be exercised from November 28, 2016 until
pembelian saham baru yang bernilai May 12, 2021, wherein every one (1)
nominal Rp 100 (dalam Rupiah penuh) Series III Warrant is entitled to purchase one
per saham dengan harga pelaksanaan (1) new share at the exercise price.
sebesar Rp 625 (dalam Rupiah penuh) per
saham yang dapat dilakukan selama masa
laku pelaksanaan yaitu mulai tanggal
28 November 2016 sampai dengan
12 Mei 2021 dimana setiap 1 (satu) Waran
Seri III berhak membeli 1 (satu) saham
baru pada harga pelaksanaannya.
Sebanyak 98,99%, 98,87% dan 98,83% 98.99%, 98.87% and 98.83% of the
saham Perusahaan telah tercatat di Bursa Company’s issued shares representing
Efek Indonesia atau sebanyak 19,517,921,842 shares, 17,263,895,026
19.517.921.842 saham, 17.263.895.026 shares and 16,783,894,926 shares as of
saham dan 16.783.894.926 saham masing- December 31, 2021, 2020 and 2019,
masing pada tanggal 31 Desember 2021, respectively, are listed in the Indonesian
2020 dan 2019. Stock Exchange.
c. Karyawan, Direksi dan Dewan Komisaris c. Employees, Directors and Board of

Commissioners
Pada tanggal 31 Desember 2021, 2020 As of December 31, 2021, 2020 and 2019,
dan 2019, susunan pengurus Perusahaan the Company’s management consists of the
adalah sebagai berikut: following:
2021 2020 2019
Dewan Komisaris Board of Commissioners

Komisaris Utama Tjendrawati Widjaja Tjendrawati Widjaja Tjendrawati Widjaja President Commissioner
Komisaris Independen Sammy Kristamuljana Sammy Kristamuljana Sammy Kristamuljana Independent Commissioner
Komisaris Independen Rusmin Rusmin Rusmin Independent Commissioner
Direksi Board of Directors

Direktur Utama Frenky Tirtowijoyo Frenky Tirtowijoyo Frenky Tirtowijoyo President Director
Direktur Hanafi Himawan Hanafi Himawan* Hanafi Himawan ** Director
Direktur Halim Halim Halim Director
Direktur Loa Johnny Mailoa Loa Johnny Mailoa Loa Johnny Mailoa Director
Direktur Soejanto Soetjijo Soejanto Soetjijo Soejanto Soetjijo Director
Direktur Miko Andidjaja Miko Andidjaja Miko Andidjaja Director
* Tidak lagi menjadi Direktur independen pada RUPSLB * No longer an Independent Director at the ESM
31 Agustus 2020 on August 31, 2020
** Pada tanggal 31 Desember 2019 merupakan ** As of December 31, 2019 is an Independent Director
Direktur Independen
- 13 -
Susunan keanggotaan komite-komite yang The members of the committees of the

dimiliki Perusahaan pada tanggal Company as of December 31, 2021, 2020
31 Desember 2021, 2020 dan 2019 adalah and 2019 are as follows:
sebagai berikut:
2021 2020 2019
Komite Audit Audit Committee

Ketua Sammy Kristamuljana* Rusmin Rusmin Chairman
Anggota Robert A Simanjuntak* Ketut Sanjaya Ketut Sanjaya Members
Reynold M Batubara* Rusli Prakasa Rusli Prakasa
Komite Remunerasi Remuneration and

dan Nominasi Nomination Committee
Ketua Rusmin Rusmin Rusmin Chairman
Anggota Tjendrawati Widjaja Tjendrawati Widjaja Tjendrawati Widjaja Members
Christina Suryadinata Christina Suryadinata Christina Suryadinata
Komite Pemantau Risiko Risk Monitoring Committee

Ketua Rusmin** Sammy Kristamuljana Sammy Kristamuljana Chairman
Anggota Tjendrawati Widjaja Tjendrawati Widjaja Tjendrawati Widjaja Members
Robert A Simanjuntak** Ketut Sanjaya Ketut Sanjaya
Reynold M Batubara** Rusli Prakasa Rusli Prakasa
Dewan Pengawas Syariah Sharia Supervisory Board

Ketua Ahmadi Bin Sukarno Ahmadi Bin Sukarno Ahmadi Bin Sukarno Chairman
Anggota Moch.Bukhori Muslim Moch.Bukhori Muslim Moch.Bukhori Muslim Member
* Efektif per tanggal 1 Oktober 2021 menjabat sebagai Komite Audit * Effective as of October 1, 2021 serves in the Audit Committee
** Efektif per tanggal 1 Oktober 2021 menjabat sebagai Komite Peman ** Effective as of October 1, 2021, serves in the Risk Monitoring Committee
Kepala Audit Internal Perusahaan pada As at December 31, 2021, the head of the
tanggal 31 Desember 2021 adalah Frieda Company’s Internal Audit is Frieda Junia
Junia, dan pada tanggal 31 Desember and at December 31, 2020, and 2019 is
2020 dan 2019 adalah Darwanti Juliastuti. Darwanti Juliastuti.
Sekretaris Perusahaan pada tanggal As at December 31, 2021, 2020 and 2019,
31 Desember 2021, 2020 dan 2019 adalah the Company’s Corporate Secretary is
Retno Tri Wulandari. Retno Tri Wulandari, respectively.
Personel manajemen kunci Perusahaan Key management personel of the Company

terdiri dari Komisaris, Direksi, Group Head, consists of Commissioners, Directors,
Kepala Kantor Wilayah, Wakil Kepala Group Head, Heads of Regional Offices,
Kantor Wilayah, Kepala Divisi, Pimpinan Deputy Heads of Regional Offices,
Cabang dan Koordinator Pimpinan Cabang Heads of Divisions, Branch Managers and
Pembantu. Coordinator Branch Manager.
Jumlah rata-rata karyawan Perusahaan The Company had an average total number
(tidak diaudit) adalah 5.282, 5.410 dan of employees (unaudited) of 5,282, 5,410
5.294, masing-masing untuk tahun 2021, and 5,294, for the years ended
2020 dan 2019. December 31, 2021, 2020 and 2019,
respectively.
d. Penyelesaian Laporan Keuangan d. Completion of Financial Statements
Laporan keuangan PT Bank Sinarmas Tbk The financial statements of PT Bank

untuk tahun yang berakhir 31 Desember Sinarmas Tbk for the year ended
2021 telah diselesaikan dan diotorisasi December 31, 2021 were completed and
untuk terbit oleh Direksi Perusahaan pada authorized for issuance on March 25, 2022
tanggal 25 Maret 2022. Direksi Perusahaan by the Company’s Directors who are
bertanggung jawab atas penyusunan dan responsible for the preparation and
penyajian laporan keuangan tersebut. presentation of the financial statements.
- 14 -
2. Ikhtisar Kebijakan Akuntansi dan Pelaporan 2. Summary of Significant Accounting and

Keuangan Penting Financial Reporting Policies
a. Dasar Penyusunan dan Pengukuran a. Basis of Financial Statements

Laporan Keuangan Preparation and Measurement
Laporan keuangan disusun dan disajikan The financial statements have been
dengan menggunakan Standar Akuntansi prepared and presented in accordance with
Keuangan (SAK) di Indonesia, meliputi Indonesian Financial Accounting Standards
pernyataan dan interpretasi yang (“SAK”), which comprise the statements and
diterbitkan oleh Dewan Standar Akuntansi interpretations issued by the Board of
Keuangan Ikatan Akuntan Indonesia (IAI) Financial Accounting Standards of the
dan Dewan Standar Akuntansi Syariah IAI, Indonesian Institute of Accountants (IAI) and
dan Peraturan OJK No. VIII.G.7 tentang Board of Sharia Accounting of IAI, and OJK
“Penyajian dan Pengungkapan Laporan Regulation No. VIII.G.7. regarding
Keuangan Emiten atau Perusahaan “Presentation and Disclosures of Public
Publik”. Companies’ Financial Statements”. Such
financial statements are an English
translation of the Company’s statutory report
in Indonesia.
Dasar pengukuran laporan keuangan ini The measurement basis used is the
adalah konsep biaya perolehan, kecuali historical cost, except for certain accounts
beberapa akun tertentu disusun which are measured on the bases described
berdasarkan pengukuran lain, in the related accounting policies. The
sebagaimana diuraikan dalam kebijakan financial statements, except for the
akuntansi masing-masing akun tersebut. statements of cash flows, are prepared
Laporan keuangan ini disusun dengan under the accrual basis of accounting.
metode akrual, kecuali laporan arus kas.
Kebijakan akuntansi yang diterapkan dalam The accounting policies adopted in the
penyusunan laporan keuangan telah preparation of the financial statements are
diterapkan secara konsisten, kecuali untuk consistent with those adopted, except for the
dampak penerapan PSAK yang efektif impact of the adoption of PSAK which had
diterapkan sejak 1 Januari 2020 been adopted effective January 1, 2020 as
sebagaimana diungkapkan dalam Catatan disclosed in Note 48 to the financial
48 atas laporan keuangan. statements.
Lihat ke Catatan 48 atas laporan keuangan Please refer to Note 48 to the financial
untuk penjelasan kebijakan akuntansi yang statements for the new accounting policies
diterapkan efektif 1 Januari 2020 serta adopted effective January 1, 2020 and the
dampaknya terhadap laporan keuangan. corresponding impact on the financial
statements.
Laporan arus kas disusun menggunakan The statement of cash flows is prepared
metode langsung dan arus kas based on direct method by classifying cash
dikelompokkan atas dasar kegiatan flows on the basis of operating, investing
operasi, investasi dan pendanaan. Untuk and financing activities. For the purpose of
tujuan penyusunan laporan arus kas, kas statements of cash flows, cash and cash
dan setara kas mencakup kas, giro pada equivalents include cash on hand, demand
Bank Indonesia, giro pada bank lain, deposits with Bank Indonesia, demand
penempatan pada Bank Indonesia dan deposits with other banks, and placement
bank lain dan efek-efek dengan jatuh with Bank Indonesia and other banks and
tempo tiga bulan atau kurang dan yang securities with original maturities of three
tidak dijaminkan serta yang tidak dibatasi months or less from the acquisition date and
pencairannya. are not used as collateral and are not
restricted.
- 15 -
Laporan keuangan Perusahaan untuk unit The Company’s financial statements of

usaha syariah disusun berdasarkan PSAK sharia business unit are prepared based on
(Pernyataan Standar Akuntansi Keuangan) PSAK (Statement of Financial Accounting
No. 101 (Amandemen 2018) “Penyajian Standard) No. 101 (Amendment 2018)
Laporan Keuangan Syariah”, PSAK “Presentation of Sharia Financial
No. 102 (Amandemen 2019) “Akuntansi Statement”, PSAK No. 102 (Amendment
Murabahah”, PSAK No. 105 “Akuntansi 2019) “Murabahah Accounting”, PSAK
Mudharabah”, PSAK No. 106 “Akuntansi No. 105 “Mudharabah Accounting”, PSAK
Musyarakah”, PSAK No. 107 (Amandemen No. 106 “Musyarakah Accounting”, PSAK
2016) “Akuntansi Ijarah”, PSAK No. 110 No. 107 (Amendment 2016) “Ijarah
(Amandemen 2020) “Akuntansi Sukuk”, Accounting”, PSAK No. 110 (Amendment
Pedoman Akuntansi Perbankan Syariah 2020), “Sukuk Accounting”, Accounting
Indonesia (“PAPSI”) dan prinsip-prinsip Guidelines for Indonesian Sharia Banking
akuntansi yang berlaku umum yang (“PAPSI”) and general accounting principles
ditetapkan Ikatan Akuntan Indonesia, assigned by the Indonesian Institute of
mencakup pula pedoman akuntansi dan Accountants, including accounting and
pelaporan yang ditetapkan oleh Bank reporting principles designated by Bank of
Indonesia (BI) dan Otoritas Jasa Keuangan Indonesian (BI) and Otoritas Jasa Keuangan
(OJK). (OJK).
Mata uang yang digunakan dalam The reporting currency used in the
penyusunan dan penyajian laporan preparation of the financial statements is the
keuangan adalah mata uang Rupiah Indonesian Rupiah (Rupiah) which is also
(Rupiah) yang juga merupakan mata uang the functional currency of the Company.
fungsional Perusahaan.
b. Penjabaran Mata Uang Asing b. Foreign Currency Translation
Mata Uang Fungsional dan Pelaporan Functional and Reporting Currencies
Akun-akun yang tercakup dalam laporan Items included in the financial statements of
keuangan Perusahaan diukur the Company are measured using the
menggunakan mata uang dari lingkungan currency of the primary economic
ekonomi utama dimana Perusahaan environment in the Company operates (the
beroperasi (mata uang fungsional). functional currency).
Laporan keuangan disajikan dalam Rupiah, The financial statements are presented in
yang merupakan mata uang fungsional dan Rupiah which is the Company’s functional
mata uang penyajian Perusahaan. and presentation currency.
Transaksi dan Saldo Transactions and Balances
Transaksi dalam mata uang asing Foreign currency transactions are translated
dijabarkan ke dalam mata uang fungsional into the functional currency using the
menggunakan kurs pada tanggal transaksi. exchange rates prevailing at the dates of the
Keuntungan atau kerugian selisih kurs transactions. Foreign exchange gains and
yang timbul dari penyelesaian transaksi losses resulting from the settlement of such
dan dari penjabaran pada kurs akhir tahun transactions and from the translation at year
atas aset dan liabilitas moneter dalam mata end exchange rates of monetary assets and
uang asing diakui dalam laba rugi. Aset liabilities denominated in foreign currencies
non-moneter yang diukur pada nilai wajar are recognized in profit or loss. Non-
dijabarkan menggunakan kurs pada monetary assets that are measured at fair
tanggal nilai wajar ditentukan. Selisih value are translated using the exchange rate
penjabaran akun ekuitas dan akun at the date that the fair value was
nonmoneter serupa yang diukur pada nilai determined. Translation differences on
wajar diakui dalam laba rugi. equities and similar non-monetary items
measured at fair value are recognized in
profit or loss.
- 16 -
dan 2019, kurs konversi yakni kurs Reuters the conversion rates used by the Company
pada pukul 16:00 Waktu Indonesia Barat for monetary assets and liabilities were the
(WIB), yang digunakan oleh Perusahaan prevailing Reuters spot rate at 16:00
adalah sebagai berikut: Western Indonesian Time as follows:
2021 2020 2019

(dalam Rupiah penuh)/ (dalam Rupiah penuh)/ (dalam Rupiah penuh)/
(in full Rupiah) (in full Rupiah) (in full Rupiah)
Poundsterling Inggris 19.250,85 19.012,46 18.238,13 Great Britain Poundsterling

Euro 16.112,45 17.234,43 15.570,61 Euro
Dolar Amerika Serikat 14.252,50 14.050,00 13.882,50 United States Dollar
Dolar Singapura 10.554,67 10.606,18 10.315,04 Singapore Dollar
Dolar Australia 10.346,60 10.752,46 9.725,38 Australian Dollar
Dolar New Zealand 9.732,32 10.087,90 9.335,29 New Zealand Dollar
Yuan China 2.236,50 2.157,00 1.994,18 China Yuan
Dolar Hong Kong 1.828,03 1.812,29 1.782,74 Hong Kong Dollar
Yen Jepang 123,77 135,96 127,81 Japanese Yen
c. Transaksi Pihak Berelasi c. Transactions with Related Parties
Orang atau entitas dikategorikan sebagai A person or entity is considered a related

pihak berelasi Perusahaan apabila party of the Company if it meets the
memenuhi definisi pihak berelasi definition of a related party in PSAK No. 7
berdasarkan PSAK No. 7 “Pengungkapan “Related Party Disclosures.
Pihak-pihak Berelasi”.
Semua transaksi signifikan dengan pihak All significant transactions with related
berelasi telah diungkapkan dalam laporan parties are disclosed in the financial
keuangan. statements.
d. Kas dan Setara Kas d. Cash and Cash Equivalents
Kas terdiri dari kas dan bank. Setara kas Cash consists of cash on hand and in
adalah semua investasi yang bersifat banks. Cash equivalents are short-term,
jangka pendek dan sangat likuid yang highly liquid investments that are readily
dapat segera dikonversikan menjadi kas convertible to known amounts of cash with
dengan jatuh tempo dalam waktu tiga (3) original maturities of three (3) months or less
bulan atau kurang sejak tanggal from the date of placements, and which are
penempatannya, dan yang tidak dijaminkan not used as collateral and are not restricted.
serta tidak dibatasi pencairannya.
e. Instrumen Keuangan e. Financial Instruments
Efektif 1 Januari 2020, Perusahaan Effective on January 1, 2020, Company has

menerapkan PSAK No. 71, Instrumen applied PSAK No. 71, which replaces PSAK
Keuangan, yang mengantikan PSAK No. No. 55, Financial Instruments: Recognition
55, Instrumen Keuangan: Pengakuan dan and Measurement, which set the
Pengukuran, mengenai pengaturan requirements in classification and
instrumen keuangan terkait klasifikasi dan measurement, impairment in value of
pengukuran, penurunan nilai atas financial assets and hedging accounting.
instrumen keuangan dan akuntansi lindung
nilai.
- 17 -
Aset Keuangan Financial Assets
Sebelum 1 Januari 2020 Prior to January 1, 2020
Perusahaan mengklasifikasikan aset The Company classifies its financial assets

keuangan sesuai dengan PSAK in accordance with PSAK No. 55, Financial
No. 55, Instrumen Keuangan: Pengakuan Instruments: Recognition and Measurement.
dan Pengukuran. Aset keuangan Financial assets are classified into financial
diklasifikasikan menjadi diukur pada nilai assets at fair value through profit or loss,
wajar melalui laba rugi, pinjaman yang loans and receivables, held to maturity, and
diberikan dan piutang, dimiliki hingga jatuh available for sale. Classifications of financial
tempo, dan tersedia untuk dijual. Klasifikasi assets are determined at initial recognition
aset keuangan ditentukan pada saat based on the management’s intention to
pengakuan awal berdasarkan intensi hold the financial assets.
manajemen untuk memegang instrumen
keuangan tersebut.
Pada tanggal 31 Desember 2019, As of December 31, 2019, the Company has
Perusahaan memiliki aset keuangan dalam financial assets under loans and
kategori pinjaman yang diberikan dan receivables, held to maturity (HTM), financial
piutang, aset keuangan yang dimiliki assets at fair value through profit or loss
hingga jatuh tempo, aset keuangan yang (FVPL), and financial assets at available for
diukur pada nilai wajar melalui laba rugi sale (AFS) financial assets.
dan aset keuangan tersedia untuk dijual.
1. Pinjaman yang Diberikan dan Piutang 1. Loans and Receivables
Pinjaman yang diberikan dan piutang Loans and receivables are non-
adalah aset keuangan non-derivatif derivative financial assets with fixed or
dengan pembayaran tetap atau telah determinable payments that are not
ditentukan dan tidak mempunyai quoted in an active market and are
kuotasi di pasar aktif, yang selanjutnya subsequently measured at amortized
diukur pada biaya perolehan cost using the effective interest rate
diamortisasi menggunakan metode method, less any allowance for any
suku bunga efektif, dikurangi impairment.
cadangan kerugian penurunan nilai.
Pada tanggal 31 Desember 2019, As of December 31, 2019, this category

kategori ini mencakup kas, giro pada includes cash, demand deposits with
Bank Indonesia dan bank lain, Bank Indonesia and other banks,
penempatan pada bank lain dalam placements with other banks in the form
bentuk call money, efek-efek berupa of call money, securities in the form of
tagihan atas wesel ekspor, efek yang export bills receivable, securities
dibeli dengan janji jual kembali, kredit purchased under agreements to resell,
yang diberikan dan piutang, tagihan loan and receivables, acceptances
akseptasi, pendapatan yang masih receivable, accrued income, and other
akan diterima, dan aset lain-lain assets.
- 18 -
2. Investasi Dimiliki Hingga Jatuh Tempo 2. HTM Investments
Investasi dimiliki hingga jatuh tempo HTM investments are non-derivative

adalah aset keuangan non-derivatif financial assets with fixed or
dengan pembayaran tetap atau telah determinable payments and fixed
ditentukan dan jatuh temponya telah maturities for which the Company’s
ditetapkan, dan manajemen management has the positive intention
Perusahaan memiliki intensi positif dan and ability to hold to maturity. When the
kemampuan untuk memiliki aset Company sells or reclassifies other than
keuangan tersebut hingga jatuh tempo. an insignificant amount of HTM
Apabila Perusahaan menjual atau investments before maturity, the entire
mereklasifikasi investasi dimiliki hingga category would be tainted and
jatuh tempo dalam jumlah yang lebih reclassified as AFS financial assets.
dari jumlah yang tidak signifikan
sebelum jatuh tempo, maka seluruh
aset keuangan dalam kategori tersebut
terkena aturan pembatasan (tainting
rule) dan harus direklasifikasi ke
kelompok tersedia untuk dijual.
Investasi ini selanjutnya diukur pada These investments are subsequently

biaya perolehan diamortisasi measured at amortized cost using the
menggunakan metode suku bunga effective interest method, less any
efektif, setelah dikurangi penurunan impairment in value.
nilai.

kategori ini meliputi penempatan pada includes placement with Bank Indonesia
Bank Indonesia dalam bentuk deposit in the form of deposit facility and term
facility dan term deposit, Sertifikat deposits, Bank Indonesia Certificates
Bank Indonesia (SBI), obligasi (SBI), Government bonds and corporate
Pemerintah dan obligasi korporasi. bonds.
3. Aset keuangan yang diukur pada nilai 3. Financial Assets at FVPL

wajar melalui laba rugi
Aset keuangan yang diukur pada nilai Financial assets at FVPL include
wajar melalui laba rugi meliputi aset financial assets that are acquired fo the
keuangan yang diperoleh terutama purpose of selling in the near term (held
untuk tujuan dijual kembali dalam for trading). Derivatives are also
waktu dekat (kelompok categorized as held for trading unless
diperdagangkan). Derivatif juga they are designated as effective
diklasifikasikan sebagai dimiliki untuk hedging instruments.
diperdagangkan kecuali derivatif yang
ditetapkan sebagai instrumen lindung
nilai yang efektif.
Aset keuangan yang diukur pada nilai Financial assets at FVPL are recorded
wajar melalui laba rugi dicatat pada in the statement of financial position at
laporan posisi keuangan pada nilai fair value. Changes in fair value are
wajarnya. Perubahan nilai wajar recognized directly in profit or loss.
langsung diakui dalam laba rugi. Interest earned is recorded as interest
Bunga yang diperoleh dicatat sebagai income, while dividend income is
pendapatan bunga, sedangkan recorded as part of other income
pendapatan dividen dicatat sebagai according to the terms of the contract,
bagian dari pendapatan lain-lain or when the right of payment has been
sesuai dengan persyaratan dalam established.
kontrak, atau pada saat hak untuk
memperoleh pembayaran atas dividen
tersebut telah ditetapkan.
- 19 -
Pada tanggal 31 Desember 2019, As of December 31, 2019, securities in

efek-efek berupa obligasi korporasi, the form of corporate bonds, mutual
Reksadana, dan obligasi Pemerintah funds, and Government bonds and
serta aset lain-lain berupa tagihan other assets in form of derivative
derivatif diklasifikasikan dalam kategori receivable are included in this category.
ini.
4. Aset Keuangan Tersedia untuk Dijual 4. AFS Financial Assets
Aset keuangan tersedia untuk dijual AFS financial assets are those which
merupakan aset yang ditetapkan are designated as such or not classified
sebagai tersedia untuk dijual atau tidak in any of the other categories and are
diklasifikasikan dalam kategori subsequently measured at fair value
instrument keuangan yang lain, dan with unrealized gains or losses
selanjutnya diukur pada nilai wajar, recognized in equity until the investment
dengan keuntungan atau kerugian is derecognized, or determined to be
yang belum direalisasi diakui pada impaired, at which time the cumulative
bagian ekuitas sampai aset keuangan gain or loss is reclassified to profit or
tersebut dihentikan pengakuannya loss.
atau dianggap telah mengalami
penurunan nilai, dimana pada saat itu
akumulasi keuntungan atau kerugian
direklasifikasi ke laba rugi.

kategori ini meliputi investasi efek-efek includes securities in the form of
dalam bentuk obligasi korporasi, corporate bonds, Government bonds
obligasi Pemerintah dan reksadana. and mutual funds.
Sejak 1 Januari 2020 From January 1, 2020
Perusahaan mengklasifikasikan aset The Company classifies its financial assets

keuangan sesuai dengan PSAK No. 71, in accordance with PSAK No. 71, Financial
Instrumen Keuangan, sehingga setelah Instruments, that classifies financial assets
pengakuan awal aset keuangan diukur as subsequently measured at amortized
pada biaya perolehan diamortisasi, nilai cost, fair value through comprehensive
wajar melalui penghasilan komprehensif income or fair value through profit or loss, on
lain atau nilai wajar melalui laba rugi, the basis of both:
dengan menggunakan dua dasar, yaitu:
(a) Model bisnis Perusahaan dalam (a) The Company’s business model for
mengelola aset keuangan; dan managing the financial assets; and
(b) Karakteristik arus kas kontraktual dari (b) The contractual cash flow
aset keuangan. characteristics of the financial assets.
Pada tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020, the
2020, aset keuangan Perusahaan terdiri Company’s financial assets consist of
dari aset yang diukur pada biaya perolehan financial assets at amortized cost, financial
diamortisasi, aset keuangan yang diukur assets at fair value through profit or loss and
pada nilai wajar melalui laba rugi dan aset financial assets at fair value through other
keuangan yang diukur pada nilai wajar comprehensive income.
melalui penghasilan komprehensif lain.
- 20 -
1. Aset keuangan pada biaya perolehan 1. Financial assets at amortized cost

diamortisasi
Aset keuangan diukur pada biaya A financial asset shall be measured at

perolehan diamortisasi jika kedua amortized cost if both of the following
kondisi berikut terpenuhi: conditions are met:
Aset keuangan dikelola dalam model The financial asset is held within a
bisnis yang bertujuan untuk memiliki business model whose objective is to
aset keuangan dalam rangka hold financial assets in order to collect
mendapatkan arus kas kontraktual; contractual cash flows; and
dan
Persyaratan kontraktual dari aset The contractual terms of the financial

keuangan menghasilkan arus kas assets give rise on specified dates to
pada tanggal tertentu yang semata cash flows that are solely payments of
dari pembayaran pokok dan bunga principal and interest on the principal
dari jumlah pokok terutang. amount outstanding.
Aset keuangan pada biaya perolehan Financial assets at amortized cost is

diamortisasi diukur pada jumlah yang measured at initial amount minus the
diakui saat pengakuan awal dikurangi principal repayments, plus or minus the
pembayaran pokok, ditambah atau cumulative amortization using the
dikurangi dengan amortisasi kumulatif effective interest method of any
menggunakan metode suku bunga difference between that initial amount
efektif yang dihitung dari selisih antara and the maturity amount, adjusted for
nilai awal dan nilai jatuh temponya, allowance for impairment.
dan dikurangi dengan cadangan
kerugian penurunan nilai.
Pada tanggal 31 Desember 2021 dan As of December 31, 2021 and 2020,
2020, kategori ini meliputi kas, giro this category includes cash, demand
pada Bank Indonesia dan bank lain, deposits with Bank Indonesia and other
penempatan pada Bank Indonesia dan banks, placements with Bank Indonesia
bank lain, efek-efek, efek yang dibeli and other banks, securities, securities
dengan janji jual kembali, kredit yang purchased under agreements to resell,
diberikan dan piutang, tagihan loan and receivables, acceptance
akseptasi, pendapatan yang masih receivables, accrued income and other
akan diterima dan aset lain-lain. assets.
2. Aset keuangan yang diukur pada nilai 2. Financial assets at fair value through
wajar melalui laba rugi profit or loss
Aset keuangan diukur pada nilai wajar A financial asset shall be measured at
melalui laba rugi kecuali aset fair value through profit or loss unless it
keuangan tersebut diukur pada biaya is measured at amortized cost or at fair
perolehan diamortisasi atau pada nilai value through comprehensive income.
wajar melalui penghasilan
komprehensif lain.
Derivatif juga diklasifikasikan sebagai Derivatives are also categorized as fair

diukur pada nilai wajar melalui laba value through profit or loss unless they
rugi, kecuali derivatif yang ditetapkan are designated as effective hedging
sebagai instrumen lindung nilai yang instruments.
efektif.
- 21 -
Aset keuangan yang diukur pada nilai Financial assets at FVPL are recorded
wajar melalui laba rugi dicatat pada in the statement of financial position at
laporan posisi keuangan pada nilai fair value. Changes in fair value are
wajarnya. Perubahan nilai wajar recognized directly in profit or loss.
langsung diakui dalam laba rugi. Interest earned is recorded as interest
Bunga yang diperoleh dicatat sebagai income, while dividend income is
pendapatan bunga, sedangkan recorded as part of other income
pendapatan dividen dicatat sebagai according to the terms of the contract,
bagian dari pendapatan lain-lain or when the right of payment has been
sesuai dengan persyaratan dalam established.
kontrak, atau pada saat hak untuk
memperoleh pembayaran atas dividen
tersebut telah ditetapkan.
2020, efek-efek berupa obligasi securities in the form of Government
Pemerintah, obligasi korporasi, dan bond and Corporate bonds, and mutual
reksadana diklasifikasikan dalam funds are classified in this category.
categori ini.
3. Aset keuangan yang diukur pada nilai 3. Financial assets at fair value through
wajar melalui penghasilan other comprehensive income
komprehensif lain
Aset keuangan diukur pada nilai wajar A financial asset shall be measured at
melalui penghasilan komprehensif lain fair value through other comprehensive
jika kedua kondisi berikut terpenuhi: income if both of the following
conditions are met:
a. Aset keuangan dikelola dalam a. The financial asset is held within a

model bisnis yang tujuannya akan business model whose objective is
terpenuhi dengan mendapatkan achieved by both collecting
arus kas kontraktual dan menjual contractual cash flows and selling
aset keuangan; dan financial assets; and
b. Persyaratan kontraktual dari aset b. The contractual terms of the

keuangan menghasilkan arus kas financial asset give rise on
pada tanggal tertentu yang specified dates to cash flows that
semata dari pembayaran pokok are solely payments of principal
dan bunga dari jumlah pokok and interest on the principal
terutang. amount outstanding.
Aset keuangan berupa surat berharga Debt securities financial assets which
utang yang diukur pada nilai wajar are initially measured at fair value
melalui penghasilan komprehensif lain through comprehensive income are
selanjutnya diukur pada nilai wajar subsequently measured at fair value
dikurangi dengan cadangan kerugian less allowance for impairment, with
penurunan nilai, dengan keuntungan unrealized gains or losses recognized in
atau kerugian yang belum direalisasi other comprehensive income until the
diakui dalam penghasilan financial assets are derecognized or
komprehensif lain, sampai aset reclassified, at which time the
keuangan tersebut dihentikan cumulative gain or loss is reclassified to
pengakuannya atau direklasifikasi, profit or loss. Gains or losses from
dimana pada saat itu akumulasi impairment and foreign exchange and
keuntungan atau kerugian interest calculated using effective
direklasifikasi ke laba rugi. Keuntungan interest method are recognized in profit
atau kerugian penurunan nilai dan or loss.
selisih kurs dan bunga yang dihitung
menggunakan metode suku bunga
efektif diakui dalam laba rugi.
- 22 -
Aset keuangan berupa instrumen Equity securities financial assets which

ekuitas yang diukur pada nilai wajar are initially measured at fair value
melalui penghasilan komprehensif lain through comprehensive income are
selanjutnya diukur pada nilai wajar, subsequently measured at fair value,
dengan keuntungan atau kerugian with unrealized gains or losses
yang belum direalisasi diakui dalam recognized in other comprehensive
penghasilan komprehensif lain. Saat income. At the time the financial assets
aset keuangan tersebut dihentikan are derecognized or reclassified, the
pengakuannya atau direklasifikasi, cumulative gain or loss is reclassified to
akumulasi keuntungan atau kerugian retained earnings.
direklasifikasi ke saldo laba.
2020, kategori ini meliputi investasi Company’s securities in the form
efek-efek dalam bentuk obligasi Government and corporate bonds.
Pemerintah dan korporasi.
Liabilitas Keuangan dan Instrumen Financial Liabilities and Equity

Ekuitas Instruments
Liabilitas keuangan dan instrumen ekuitas Financial liabilities and equity instruments of
Perusahaan diklasifikasikan berdasarkan the Company are classified according to the
substansi perjanjian kontraktual serta substance of the contractual arrangements
definisi liabilitas keuangan dan instrumen entered into and the definitions of a financial
ekuitas. Kebijakan akuntansi yang liability and equity instrument. The
diterapkan atas instrumen keuangan accounting policies adopted for specific
tersebut diungkapkan berikut ini. financial instruments are set out below.
Instrumen Ekuitas Equity Instruments
Instrumen ekuitas adalah setiap kontrak An equity instrument is any contract that
yang memberikan hak residual atas aset evidences a residual interest in the assets of
suatu entitas setelah dikurangi dengan an entity after deducting all of its liabilities.
seluruh liabilitasnya. Instrumen ekuitas Equity instruments are recorded at the
dicatat sejumlah hasil yang diterima, proceeds received, net of direct issue costs.
setelah dikurangkan dengan biaya
penerbitan langsung.
Liabilitas Keuangan Financial Liabilities
Tidak terdapat perubahan signifikan dalam There are no significant changes in

klasifikasi dan pengukuran liabilitas classification and measurement of financial
keuangan. liabilities.
Sebelum 1 Januari 2020, Perusahaan Prior to January 1, 2020, the Company

mengklasifikasikan liabilitas keuangan classifies its financial liabilities in
sesuai dengan PSAK No. 55, Instrumen accordance with PSAK No. 55, Financial
Keuangan: Pengakuan dan Pengukuran. Instruments: Recognition and Measurement.
Liabilitas keuangan diklasifikasikan menjadi Financial liabilities are classified into
liabilitas yang diukur pada nilai wajar financial liabilities at fair value through profit
melalui laba rugi dan liabilitas keuangan or loss and other liabilities. Other liabilities
lain-lain. Liabilitas keuangan lain-lain diukur are measured at amortized cost.
pada biaya perolehan diamortisasi.
- 23 -
Seluruh liabilitas keuangan diakui pada All financial liabilities are recognized initially
awalnya sebesar nilai wajar dan, dalam hal at fair value and, in the case of loans and
pinjaman dan utang, termasuk biaya borrowings, inclusive of directly attributable
transaksi yang dapat diatribusikan secara transaction costs and subsequently
langsung dan selanjutnya diukur pada measured at amortized cost using the
biaya perolehan diamortisasi dengan effective interest rate method. The
menggunakan metode suku bunga efektif. amortization of the effective interest rate is
Amortisasi suku bunga efektif disajikan included in finance costs in profit or loss.
sebagai bagian dari beban keuangan
dalam laba rugi.
Pada tanggal 31 Desember 2019, As of December 31, 2019, the Company has
Perusahaan memiliki liabilitas keuangan financial liabilities under other financial
dalam kategori liabilitas lain-lain. liabilities of category.
Sejak 1 Januari 2020, Liabilitas keuangan From January 1, 2020, financial liabilities
dalam lingkup PSAK No. 71 diklasifikasikan within the scope of PSAK No. 71 are
sebagai berikut: (i) liabilitas keuangan yang classified as follows: (i) financial liabilities at
diukur dengan biaya diamortisasi, (ii) amortized cost, (ii) financial liabilities at fair
liabilitas keuangan yang diukur dengan nilai value through profit and loss (FVPL) or other
wajar melalui laba rugi atau melalui comprehensive income (FVOCI). The
penghasilan komprehensif lain. Company determines the classification of its
Perusahaan menentukan klasifikasi financial liabilities at initial recognition.
liabilitas keuangan pada saat pengakuan
awal.
Seluruh liabilitas keuangan diakui pada All financial liabilities are recognized initially
awalnya sebesar nilai wajar dan, dalam hal at fair value and, in the case of loans
pinjaman dan utang, termasuk biaya and borrowings, inclusive of directly
transaksi yang dapat diatribusikan secara attributable transaction costs and
langsung dan selanjutnya diukur pada subsequently measured at amortized
biaya perolehan diamortisasi dengan cost using the effective interest rate
menggunakan metode suku bunga efektif. method. The amortization of the effective
Amortisasi suku bunga efektif disajikan interest rate is included in finance costs in
sebagai bagian dari beban keuangan profit or loss.
dalam laba rugi.
1. Liabilitas keuangan yang diukur pada 1. Financial liabilities at amortized cost

biaya perolehan diamortisasi
Liabilitas keuangan pada biaya Financial liabilities at amortized cost is

perolehan diamortisasi diukur pada measured at initial amount minus the
jumlah yang diakui saat pengakuan principal repayments, plus or minus the
awal dikurangi pembayaran pokok, cumulative amortization using the
ditambah atau dikurangi dengan effective interest method of any
amortisasi kumulatif menggunakan difference between that initial amount
métode suku bunga efektif yang and the maturity amount.
dihitung dari selisih antara nilai awal
dan nilai jatuh temponya.
2020, kategori ini meliputi liabilitas Company’s liabilities immediately
segera, simpanan, simpanan dari bank payable, deposits, deposits from other
lain, liabilitas akseptasi, beban yang banks, securities sold under agrements
masih harus dibayar serta liabilitas to repurchase, acceptances payables,
lain-lain dalam bentuk setoran jaminan accrued expenses and other payables
L/C dan bank garansi yang dimiliki oleh in the form of security deposit L/C and
Perusahaan (2019: sebagai liabilitas bank guarantee are included in this
keuangan lain-lain). category (2019: as other financial
liabilities).
- 24 -
2. Liabilitas keuangan yang diukur pada 2. Financial liabilities at fair value through
nilai wajar melalui laba rugi profit or loss
Liabilitas keuangan diklasifikasikan Financial liabilities are classified in this

dalam kategori ini apabila liabilitas category if these result from trading
tersebut merupakan hasil dari aktivitas activities or derivative transactions that
perdagangan atau transaksi derivatif are not accounted for as accounting
yang tidak dimaksudkan sebagai hedges, or when the Company elects to
lindung nilai, atau jika Perusahaan designate a financial liability under this
memilih untuk menetapkan liabilitas category.
keuangan tersebut dalam kategori ini.
Perubahan dalam nilai wajar langsung Changes in fair value are recognized
diakui dalam laba rugi. directly in profit or loss.
2020, kategori ini meliputi liabilitas derivative liabilities is included in this
derivatif. category.
Instrumen Keuangan Derivatif Derivative Financial Instruments
Dalam usaha normalnya, Perusahaan In the normal course of business, the

melakukan transaksi instrumen keuangan Company enters into transactions involving
derivatif berupa kontrak tunai dan derivative financial instruments such as
berjangka mata uang asing. Instrumen foreign currency spot and forward contracts
keuangan derivatif diukur dan disajikan di and foreign currency swaps. Derivative
laporan posisi keuangan pada nilai wajar financial instruments are measured and
dengan menggunakan harga pasar. presented on statement of financial position
Derivatif dicatat sebagai aset apabila at their fair values. Derivatives are carried as
memiliki nilai wajar positif dan sebagai assets when the fair value is positive and as
liabilitas apabila memiliki nilai wajar negatif. liabilities when the fair value is negative.
Keuntungan atau kerugian yang terjadi dari Gains or losses as a result of fair value
perubahan nilai wajar diakui dalam changes are recognized in profit or loss.
laba/rugi.
Saling Hapus Instrumen Keuangan Offsetting of Financial Instruments
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are offset and
saling hapus dan nilai bersihnya disajikan the net amount reported in the statement of
dalam laporan posisi keuangan jika, dan financial position if, and only if, there is a
hanya jika, Perusahaan saat ini memiliki currently enforceable right to offset the
hak yang berkekuatan hukum untuk recognized amounts and there is intention to
melakukan saling hapus atas jumlah yang settle on a net basis, or to realize the asset
telah diakui tersebut; dan berniat untuk and settle the liability simultaneously.
menyelesaikan secara neto atau untuk
merealisasikan aset dan menyelesaikan
liabilitasnya secara simultan.
Reklasifikasi Aset Keuangan Reclassifications of Financial Assets
Sesuai dengan ketentuan PSAK No. 71, In accordance with PSAK No. 71, Financial
Instrumen Keuangan, Perusahaan Instruments, the Company reclassifies its
mereklasifikasi seluruh aset keuangan financial assets when, and only when, the
dalam kategori yang terpengaruh, jika dan Company changes its business model for
hanya jika, Perusahaan mengubah model managing financial assets. While, any
bisnis untuk pengelolaan aset keuangan financial liabilities shall not be reclassified.
tersebut. Sedangkan, liabilitas keuangan
tidak direklasifikasi.
- 25 -
Penurunan Nilai Aset Keuangan Impairment of Financial Asset
Perusahaan menerapkan pengukuran The Company applies measurement for

penurunan nilai aset keuangan sesuai impairment of financial assets in accordance
dengan PSAK No. 55, Instrumen with PSAK No. 55, Financial Instruments, as
Keuangan: Pengakuan dan Pengukuran, follows:
sebagai berikut:
1. Aset keuangan pada biaya perolehan 1. Assets Carried at Amortized Cost

diamortisasi
Manajemen pertama-tama The management first assesses

menentukan apakah terdapat bukti whether objective evidence of
obyektif mengenai penurunan nilai impairment exists individually for
secara individual atas aset keuangan financial assets that are individually
yang signifikan secara individual, dan significant, and individually or
secara individual atau kolektif untuk collectively for financial assets that are
aset keuangan yang jumlahnya tidak not individually significant. If the
signifikan secara individual. Jika management determines that no
manajemen menentukan tidak terdapat objective evidence of impairment exists
bukti obyektif mengenai penurunan for an individually assessed financial
nilai atas aset keuangan yang dinilai asset, whether significant or not, the
secara individual, baik aset keuangan asset is included in a group of financial
tersebut signifikan atau tidak signifikan, assets with similar credit risk
maka aset tersebut dimasukkan ke characteristics and that group of
dalam kelompok aset keuangan yang financial assets is collectively assessed
memiliki karakteristik risiko kredit yang for impairment. Assets that are
sejenis dan menilai penurunan nilai individually assessed for impairment
kelompok tersebut secara kolektif. Aset and for which an impairment loss, is or
yang penurunan nilainya dinilai secara continues to be recognized are not
individual, dan untuk itu kerugian included in a collective assessment of
penurunan nilai diakui atau tetap impairment.
diakui, tidak termasuk dalam penilaian
penurunan nilai secara kolektif.
Jika terdapat bukti obyektif bahwa rugi If there is an objective evidence that an
penurunan nilai telah terjadi, maka impairment loss has been incurred, the
jumlah kerugian tersebut diukur amount of the loss is measured as the
sebagai selisih antara nilai tercatat difference between the asset’s carrying
aset dengan nilai kini estimasi arus kas amount and the present value of
masa depan yang didiskonto estimated future cash flows discounted
menggunakan suku bunga efektif awal at the financial asset’s original effective
dari aset tersebut. Nilai tercatat aset interest rate. The carrying amount of
tersebut langsung dikurangi dengan the asset shall be reduced either
penurunan nilai yang terjadi atau directly or through the use of an
menggunakan akun cadangan dan allowance account. The amount of loss
jumlah kerugian yang terjadi diakui is charged to profit or loss.
dalam laba rugi.
- 26 -
Jika, pada tahun berikutnya, jumlah If, in a subsequent year, the amount of
kerugian penurunan nilai berkurang the impairment loss decreases because
karena suatu peristiwa yang terjadi of an event occurring after the
setelah penurunan nilai tersebut impairment was recognized, the
diakui, maka dilakukan penyesuaian previously recognized impairment loss
atas cadangan kerugian penurunan is reversed. Any subsequent reversal of
nilai yang sebelumnya diakui. an impairment loss is recognized in
Pemulihan penurunan nilai selanjutnya profit or loss, to the extent that the
diakui dalam laba rugi, dengan carrying value of the asset does not
ketentuan nilai tercatat aset setelah exceed its amortized cost at the
pemulihan penurunan nilai tidak reversal date.
melampaui biaya perolehan
diamortisasi pada tanggal pemulihan
tersebut.
2. Aset keuangan tersedia untuk dijual 2. AFS Financial Assets

(diukur pada nilai wajar melalui
penghasilan komprehensif lain)
Dalam hal instrumen ekuitas dalam In case of equity investments classified

kelompok tersedia untuk dijual, as AFS, assessment of any impairment
penelaahan penurunan nilai ditandai would include a significant or prolonged
dengan penurunan nilai wajar dibawah decline in the fair value of the
biaya perolehannya yang signifikan investments below its cost. Where there
dan berkelanjutan. Jika terdapat bukti is evidence of impairment, the
obyektif penurunan nilai, maka cumulative loss measured as the
kerugian penurunan nilai kumulatif difference between the acquisition cost
yang dihitung dari selisih antara biaya and the current fair value, less any
perolehan dengan nilai wajar kini, impairment loss on that financial asset
dikurangi kerugian penurunan nilai previously recognized in profit or loss is
yang sebelumnya telah diakui dalam removed from equity and recognized in
laba rugi, dikeluarkan dari ekuitas dan profit or loss. Impairment losses on
diakui dalam laba rugi. Kerugian equity investments are not reversed
penurunan nilai tidak boleh dipulihkan through profit or loss. Increases in fair
melalui laba rugi. Kenaikan nilai wajar value after impairment are recognized
setelah terjadinya penurunan nilai directly in equity.
diakui di ekuitas.
Dalam hal instrumen utang dalam In the case of debt instruments

kelompok tersedia untuk dijual, classified as AFS, impairment is
penurunan nilai ditelaah berdasarkan assessed based on the same criteria as
kriteria yang sama dengan aset financial assets carried at amortized
keuangan yang dicatat pada biaya cost. Interest continues to be accrued at
perolehan diamortisasi. Bunga tetap the original effective interest rate on the
diakru berdasarkan suku bunga efektif reduced carrying amount of the asset
asal yang diterapkan pada nilai and is recorded as part of interest
tercatat aset yang telah diturunkan income. If, in subsequent year, the fair
nilainya, dan dicatat sebagai bagian value of a debt instrument increases
dari pendapatan bunga. Jika, pada and the increase can be objectively
tahun berikutnya, nilai wajar instrumen related to an event occurring after the
utang meningkat dan peningkatan nilai impairment loss was recognized in profit
wajar tersebut karena suatu peristiwa or loss, the impairment loss is reversed
yang terjadi setelah penurunan nilai through profit or loss.
tersebut diakui dalam laba rugi, maka
penurunan nilai yang sebelumnya
diakui harus dipulihkan melalui laba
rugi.
- 27 -
Pada setiap periode pelaporan, At each reporting date, the Company assess
Perusahaan menilai apakah risiko kredit whether the credit risk on a financial
dari instrumen keuangan telah meningkat instrument has increased significantly since
secara signifikan sejak pengakuan awal. initial recognition. When making the
Ketika melakukan penilaian, Perusahaan assessment, the Company uses the change
mengacu pada perubahan atas risiko gagal in the risk of a default occurring over the
bayar yang terjadi sepanjang perkiraan expected life of the financial instrument
usia instrumen keuangan daripada instead of the change in the amount of
perubahan atas jumlah kerugian kredit expected credit losses. To make that
ekspektasian. Dalam melakukan penilaian, assessment, the Company compares the
Perusahaan membandingkan antara risiko risk of a default occurring on the financial
gagal bayar yang terjadi atas instrumen instrument as at the reporting date with the
keuangan pada saat periode pelaporan risk of a default occurring on the financial
dengan risiko gagal bayar yang terjadi instrument as at the date of initial
atas instrumen keuangan pada saat recognition and consider reasonable and
pengakuan awal dan mempertimbangkan supportable information, that is available
kewajaran serta ketersediaan informasi, without undue cost or effort at the
yang tersedia tanpa biaya atau usaha reporting date about past events, current
pada saat tanggal pelaporan terkait conditions and forecasts of future
dengan kejadian masa lalu, kondisi economic conditions, that is indicative of
terkini dan perkiraan atas kondisi significant increases in credit risk since initial
ekonomi di masa depan, yang recognition.
mengindikasikan kenaikan risiko kredit
sejak pengakuan awal.
Perusahaan menggunakan pendekatan 3 The Company uses 3 stages approach to

tahapan dalam mengukur penurunan nilai measure impairment for financial assets
(Tahap 1, Tahap 2 dan Tahap 3) dengan (Stage 1, Stage 2 and Stage 3) by
menentukan apakah terjadi peningkatan determining whether a significant increase in
risiko kredit yang signifikan atas aset credit risk has occurred on financial asset
keuangan sejak awal atau fasilitas tersebut since initial recognition or whether the facility
gagal bayar pada tanggal pelaporan. is defaulted on the reporting date.
1. Tahap 1 - Kerugian kredit 1. Stage 1 - 12-months expected credit

ekspektasian (“ECL”) 12 bulan losses
Tahap 1 mencakup aset keuangan Stage 1: includes financial assets that

yang tidak memiliki peningkatan have not had a significant increase in
signifikan atas risiko kredit sejak credit risk since initial recognition or that
pengakuan awal atau memiliki risiko have low credit risk at the reporting
kredit rendah pada tanggal pelaporan. date. For these assets, 12-month ECL
Untuk aset ini, ECL 12 bulan akan are recognized.
dihitung.
Aset keuangan yang dikategorikan Financial assets categorised as Stage 1

sebagai Tahap 1 adalah aset is financial assets with days overdue
keuangan dengan hari tunggakan less or equal than 30 days.
kurang atau sama dengan 30 hari.
2. Tahap 2 - Peningkatan risiko kredit 2. Stage 2 - Significant increase in

yang signifikan credit risk
Tahap 2 mencakup aset keuangan Stage 2: includes financial assets that

yang mengalami peningkatan signifikan have had a significant increase in credit
atas risiko kredit, namun tidak memiliki risk but do not have objective evidence
bukti penurunan nilai yang obyektif. of impairment. For these assets, lifetime
Untuk aset ini, ECL lifetime dihitung. ECL are recognized.
- 28 -
Aset keuangan yang dianggap telah Financial assets considered to

mengalami peningkatan risiko kredit experience significant increase in credit
yang signifikan dan dikategorikan risk and categorised as Stage 2 is
sebagai Tahap 2 adalah aset financial assets with days overdue 31-
keuangan dengan hari tunggakan dari 90 days. Financial instrument that has
31-90 hari. Aset keuangan yang telah proposed restructure program, will be
mengajukan program restrukturisasi, considered to experience significant
juga dianggap telah mengalami increase in credit risk, so will be
peningkatan risiko kredit yang categorised as Stage 2.
signifikan sehingga akan dikategorikan
sebagai Tahap 2.
3. Tahap 3 - Eksposur yang mengalami 3. Stage 3 - Credit impaired (or

penurunan nilai kredit atau gagal defaulted) exposures
bayar
Tahap 3 mencakup aset keuangan Stage 3 includes financial assets that

yang memiliki bukti obyektif penurunan have objective evidence of impairment
nilai pada tanggal pelaporan. Tahap ini at the reporting date. This stage has
berisi debitur yang telah impaired debtors that already are impaired
(gagal bayar). (defaulted).
Aset keuangan yang dikategorikan Financial assets categorized as Stage 3

sebagai Tahap 3 adalah aset is financial assets with days overdue
keuangan dengan hari tunggakan lebih more than 90 days.
dari 90 hari.
Faktor utama dalam menentukan apakah The key factor in determining whether a
aset keuangan memerlukan ECL 12 bulan financial asset needs 12-month (Stage 1) or
(Tahap 1) atau ECL lifetime (Tahap 2) lifetime ECL (Stage 2) is called by the
disebut dengan kriteria Peningkatan criteria of Significant Increase in Credit Risk
Signifikan dalam Risiko Kredit (SICR). (SICR). Determining significant increase in
Penentuan kriteria peningkatan risiko kredit credit risk (SICR) criteria involves
yang signifikan (SICR) memerlukan assessment of whether there has been a
pengkajian apakah telah terjadi significant increase in credit risk at reporting
peningkatan risiko kredit yang signifikan date.
pada tanggal pelaporan.
PSAK No. 71 mensyaratkan penyertaan PSAK No. 71 requires inclusion of

informasi tentang kejadian masa lalu, information about past events, current
kondisi saat ini, dan perkiraan kondisi conditions, and forecasts of future economic
ekonomi masa depan. Perkiraan conditions. The estimates of changes in
perubahan dalam kerugian kredit yang expected credit losses should reflect, and be
diharapkan harus mencerminkan, dan directionally consistent with, changes in
secara langsung konsisten dengan, related observable data from period to
perubahan dalam data terkait yang period. The calculation of ECL requires
diobservasi dari periode ke periode. estimation of forward-looking Probability of
Perhitungan ECL ini membutuhkan Default (PD), Loss Given Default (LGD), and
estimasi forward-looking dari Probability of Exposure at Default (EAD).
Default (PD), Loss Given Default (LGD),
dan Exposure at Default (EAD).
- 29 -
1. Probability of Default (“PD”) 1. Probability of Default (“PD”)
Probabilitas yang timbul di suatu waktu The probability at a point in time that a
dimana debitur mengalami gagal counterparty will default, calibrated over
bayar, dikalibrasikan sampai dengan up to 12 months from the reporting date
periode 12 bulan dari tanggal laporan (Stage 1) or over the lifetime of the
(Tahap 1) atau sepanjang umur product (Stage 2 and 3) and
(Tahap 2 dan 3) dan digabungkan incorporated with the impact of
pada dampak asumsi ekonomi masa forwardlooking economic assumptions
depan yang memiliki risiko kredit. PD that have an effect on credit risk. PD
diestimasikan pada suatu titik waktu estimated at a point in time that means
(point in time) dimana hal ini it will fluctuate in line with the economic
berfluktuasi sejalan dengan siklus cycle.
ekonomi.
2. Loss Given Default (“LGD”) 2. Loss Given Default (“LGD”)
Kerugian yang diperkirakan akan The loss that is expected to arise on

timbul dari debitur yang mengalami default, incorporating the impact of
gagal bayar dengan menggabungkan relevant forward-looking economic
dampak dari asumsi ekonomi masa assumptions (if any), which represents
depan yang relevan dimana hal ini the difference between the contractual
mewakili perbedaan antara arus kas cash flows due and those that the
kontraktual yang akan jatuh tempo Company expects to receive. The
dengan arus kas yang diharapkan Company estimates LGD based on the
untuk diterima. Perusahaan historical recovery rates and considers
mengestimasikan LGD berdasarkan the recovery of all assets managed by
data historis dari tingkat pemulihan dan the Company, taking into account
memperhitungkan pemulihan yang forward-looking economic assumptions.
berasal dari seluruh aset yang dikelola
oleh Perusahaan dengan
mempertimbangkan asumsi ekonomi
masa depan.
3. Exposure of Default (“EAD”) 3. Exposure of Default (“EAD”)
Perkiraan nilai eksposur laporan posisi The expected statement of financial

keuangan pada saat gagal bayar position exposure at the time of default,
dengan mempertimbangkan bahwa taking into account that expected
perubahan ekspektasi yang diharapkan change in exposure over the lifetime of
selama masa eksposur. Hal ini the exposure. This incorporates the
menggabungkan dampak penarikan impact of drawdowns of committed
fasilitas yang hampir pasti terjadi facilities, repayments of principal and
(committed), pembayaran pokok dan interest, amortization and prepayments,
bunga, amortisasi dan pembayaran with the impact of forward-looking
dipercepat, bersama dengan dampak economic assumptions.
asumsi ekonomi masa depan.
Penghentian Pengakuan Aset dan Derecognition of Financial Assets and

Liabilitas Keuangan Liabilities
1. Aset Keuangan 1. Financial Assets
Aset keuangan (atau bagian dari suatu Financial asset (or, where applicable, a
aset keuangan, atau kelompok aset part of a financial asset or part of a
keuangan serupa) dihentikan group of similar financial assets) is
pengakuannya jika: derecognized when:
a. Hak kontraktual atas arus kas a. The rights to receive cash flows
yang berasal dari aset keuangan from the asset have expired;
tersebut berakhir;
- 30 -
b. Perusahaan tetap memiliki hak b. The Company retains the right to

untuk menerima arus kas dari aset receive cash flows from the asset,
keuangan tersebut, namun juga but has assumed a contractual
menanggung liabilitas kontraktual obligation to pay them in full
untuk membayar kepada pihak without material delay to a third
ketiga atas arus kas yang diterima party under a “pass-through”
tersebut secara penuh tanpa arrangement; or
adanya penundaan yang
signifikan berdasarkan suatu
kesepakatan; atau
c. Perusahaan telah mentransfer c. The Company has transferred its

haknya untuk menerima arus kas rights to receive cash flows from
dari aset keuangan dan (i) telah the asset and either (i) has
mentransfer secara substansial transferred substantially all the
seluruh risiko dan manfaat atas risks and rewards of the asset, or
aset keuangan, atau (ii) secara (ii) has neither transferred nor
substansial tidak mentransfer retained substantially all the risks
atau tidak memiliki seluruh risiko and rewards of the asset, but has
dan manfaat atas aset keuangan, transferred control of the asset.
namun telah mentransfer
pengendalian atas aset keuangan
tersebut.
2. Liabilitas Keuangan 2. Financial Liabilities
Liabilitas keuangan dihentikan A financial liability is derecognized

pengakuannya jika liabilitas keuangan when the obligation under the contract
tersebut berakhir, dibatalkan, atau is discharged, cancelled or has expired.
telah kadaluarsa.
f. Pengukuran Nilai Wajar f. Fair Value Measurement
Pengukuran nilai wajar didasarkan pada The fair value measurement is based on the
asumsi bahwa transaksi untuk menjual aset presumption that the transaction to sell the
atau mengalihkan liabilitas akan terjadi: asset or transfer the liability takes place
either:
1. di pasar utama untuk aset atau 1. in the principal market for the asset or
liabilitas tersebut atau; liability or;
2. jika tidak terdapat pasar utama, di 2. in the absence of a principal market, in

pasar yang paling menguntungkan the most advantageous market for the
untuk aset atau liabilitas tersebut. asset or liability
Perusahaan harus memiliki akses ke pasar The Company must have access to the
utama atau pasar yang paling principal or the most advantageous market
menguntungkan pada tanggal pengukuran. at the measurement date.
Nilai wajar aset atau liabilitas diukur The fair value of an asset or a liability is
menggunakan asumsi yang akan measured using the assumptions that
digunakan pelaku pasar ketika menentukan market participants would use when pricing
harga aset atau liabilitas tersebut, dengan the asset or liability, assuming that market
asumsi bahwa pelaku pasar bertindak participants act in their economic best
dalam kepentingan ekonomi terbaiknya. interest.
Pengukuran nilai wajar aset non-keuangan A fair value measurement of a non-financial

memperhitungkan kemampuan pelaku asset takes into account a market
pasar untuk menghasilkan manfaat participant’s ability to generate economic
ekonomik dengan menggunakan aset benefits by using the asset in its highest and
dalam penggunaan tertinggi dan best use or by selling it to another market
terbaiknya, atau dengan menjualnya participant that would use the asset in its
kepada pelaku pasar lain yang akan highest and best use.
menggunakan aset tersebut dalam
penggunaan tertinggi dan terbaiknya.
- 31 -
Ketika Perusahaan menggunakan teknik When the Company uses valuation

penilaian, maka Perusahaan techniques, it maximizes the use of relevant
memaksimalkan penggunaan input yang observable inputs and minimizing the use of
dapat diobservasi yang relevan dan unobservable inputs.
meminimalkan penggunaan input yang
tidak dapat diobservasi.
Seluruh aset dan liabilitas yang mana nilai All assets and liabilities for which fair value
wajar aset atau liabilitas tersebut diukur is measured or disclosed in the financial
atau diungkapkan, dikategorikan dalam statements are categorized within the fair
hirarki nilai wajar sebagai berikut: value hierarchy as follows:
 Level 1 – harga kuotasian (tanpa  Level 1 - Quoted (unadjusted) market

penyesuaian) di pasar aktif untuk aset prices in active markets for identical
atau liabilitas yang identik; assets or liabilities;
 Level 2 – teknik penilaian dimana level  Level 2 - Valuation techniques for which
input terendah yang signifikan the lowest level input that is significant
terhadap pengukuran nilai wajar dapat to the fair value measurement is directly
diobservasi, baik secara langsung or indirectly observable;
maupun tidak langsung;
 Level 3 – teknik penilaian dimana level  Level 3 - Valuation techniques for which
input terendah yang signifikan the lowest level input that is significant
terhadap pengukuran nilai wajar tidak to the fair value measurement is
dapat diobservasi. unobservable.
Untuk aset dan liabilitas yang diukur pada For assets and liabilities that are recognized
nilai wajar secara berulang dalam laporan in the financial statements on a recurring
keuangan, maka Perusahaan menentukan basis, the Company determines whether
apakah telah terjadi transfer di antara there are transfers between levels in the
level hirarki dengan menilai kembali hierarchy by re-assessing categorization at
pengkategorian level nilai wajar pada the end of each reporting period.
setiap akhir periode pelaporan.
g. Giro Wajib Minimum (GWM) g. Minimum Liquidity Reserve
Pada tanggal 31 Desember 2021, GWM On December 31, 2021, the Company’s
Perusahaan telah sesuai dengan ketentuan Statutory Reserves are in accordance with
Peraturan Bank Indonesia (“PBI”) the provisions of Bank Indonesia Regulation
mengenai Giro Wajib Minimum Bank ("PBI") regarding the Statutory Reserves for
Umum pada Bank Indonesia dalam Rupiah Commercial Banks at Bank Indonesia in
dan Mata Uang Asing, dengan perubahan Rupiah and Foreign Currencies, with latest
terakhir sesuai dengan Peraturan Anggota amendments in accordance with Regulation
Dewan Gubernur No. 23/27/PADG/2021 of the Board of Governors
tanggal 21 Desember 2021 tentang No. 23/27/PADG/2021 dated December 21,
Perubahan Ketujuh atas Peraturan 2021 concerning the Seventh Amendment to
Anggota Dewan Gubernur No. the Members of the Board of Governors'
20/10/PADG/2018 tentang Giro Wajib Regulation No. 20/10/PADG/2018
Minimum dalam Rupiah dan Valuta Asing concerning Statutory Reserves in Rupiahs
bagi Bank Umum Konvensional, Bank and Foreign Currencies for Conventional
Umum Syariah, dan Unit Usaha Syariah, Commercial Banks, Sharia Commercial
yang berlaku efektif Banks, and Sharia Business Units, effective
21 Desember 2021, dimana GWM Rupiah December 21, 2021, whereby the Rupiah
sebesar 3% serta valuta asing sebesar 4%. Statutory Reserves is 3% and foreign
GWM dipenuhi secara harian sebesar 1,5% currencies is 4%. Statutory Reserves are
dan secara rata-rata untuk masa laporan met on a daily basis by 1.5% and on
tertentu sebesar 3%. average for a given reporting period of 3%.
- 32 -
terakhir sesuai dengan Peraturan Anggota amendments in accordance with Regulation
Dewan Gubernur No. 22/19/PADG/2020 of the Board of Governors
tanggal 29 Juli 2020 tentang Perubahan No. 22/19/PADG/2020 dated July 29, 2020
Keenam atas Peraturan Anggota Dewan concerning the Sixth Amendment to the
Gubernur No. 20/10/PADG/2018 tentang Members of the Board of Governors'
Giro Wajib Minimum dalam Rupiah dan Regulation No. 20/10/PADG/2018
Valuta Asing bagi Bank Umum concerning Statutory Reserves in Rupiahs
Konvensional, Bank Umum Syariah, dan and Foreign Currencies for Conventional
Unit Usaha Syariah, yang berlaku efektif Commercial Banks, Sharia Commercial
1 Agustus 2020, dimana GWM Rupiah Banks, and Sharia Business Units, effective
sebesar 3,5% serta valuta asing sebesar August 1, 2020, whereby the Rupiah
4%. GWM dipenuhi secara harian sebesar Statutory Reserves is 3.5% and foreign
1,5% dan secara rata-rata untuk masa currencies is 4%. Statutory Reserves are
laporan tertentu sebesar 3%. met on a daily basis by 1.5% and on
average for a given reporting period of 3%.
terakhir sesuai dengan Peraturan Anggota amendments in accordance with
Dewan Gubernur No. 21/14/PADG/2019 Regulation of the Board of Governors
tanggal 26 Juni 2019 tentang Perubahan No. 21/14/PADG/2019 dated June 26, 2019
kedua atas Peraturan Anggota Dewan concerning the Second Amendment to the
Gubernur No. 20/10/PADG/2018 tentang Members of the Board of Governors'
Giro Wajib Minimum dalam Rupiah dan Regulation No. 20/10/PADG/2018
Valuta Asing bagi Bank Umum concerning Statutory Reserves in Rupiahs
Konvensional, Bank Umum Syariah, dan and Foreign Currencies for Conventional
Unit Usaha Syariah, yang berlaku efektif Commercial Banks, Sharia Commercial
1 Juli 2019, dimana GWM Rupiah sebesar Banks, and Sharia Business Units, effective
6% serta valuta asing sebesar 8%. GWM July 1, 2019, whereby the Rupiah Statutory
dipenuhi secara harian sebesar 3% dan Reserves is 6% and foreign currencies is
secara rata-rata untuk masa laporan 8%. Statutory Reserves are met on a daily
tertentu sebesar 3%. basis by 3% and on average for a given
reporting period of 3%.
h. Penempatan pada Bank Indonesia dan h. Placements with Bank Indonesia and
Bank Lain Other Banks
Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and other
bank lain merupakan penanaman dana banks represent investments in call money,
dalam bentuk call money, deposit facility, deposit facility, and term deposit.
dan term deposit.
- 33 -
Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and other
bank lain diklasifikasikan sebagai aset banks are classified as financial assets at
keuangan yang diukur biaya perolehan amortized cost (2019: placements with other
diamortisasi (2019: penempatan pada bank bank are classified as financial assets in
lain sebagai aset keuangan dalam loans and receivables category, and
kelompok pinjaman yang diberikan dan placement with Bank Indonesia are
piutang sedangkan penempatan pada Bank classified as financial assets in held to
Indonesia sebagai aset keuangan dalam maturity category). Refer to Note 2e for the
kelompok investasi dimiliki hingga jatuh accounting policy of financial instrument.
tempo). Lihat Catatan 2e untuk kebijakan
akuntansi pengukuran instrumen
keuangan.
i. Efek-efek i. Marketable Securities
Efek-efek selain Sukuk Securities other than Sukuk
Efek-efek yang dimiliki terdiri dari Sertifikat Marketable securities consist of Bank
Bank Indonesia, obligasi, reksadana, surat Indonesia Certificate, Bank Indonesia
utang jangka menengah, tagihan wesel Deposit Certificate, bonds, mutual funds,
ekspor, dan efek-efek pasar uang dan medium term notes, export bills receivable,
pasar modal lainnya. and other money market and capital market
securities.
Obligasi terdiri dari Obligasi Pemerintah Bonds consist of Government Bonds and
dan Obligasi Korporasi yang dibeli dari Corporate Bonds purchased from the
pasar. market.
Efek-efek dan Obligasi Pemerintah Marketable securities and Government

diklasifikasikan sebagai aset keuangan Bonds are classified as financial assets at
yang diukur pada nilai wajar melalui laba fair value through profit loss, other
rugi, pada nilai wajar melalui penghasilan comprehensive income, and at amortised
komprehensif lain, dan biaya perolehan cost (2019: classified as financial assets at
diamortisasi (2019: diukur pada nilai wajar held for trading, loans and receivables,
melalui laba rugi, tersedia untuk dijual dan available for sale, and held to maturity).
dimiliki hingga jatuh tempo). Lihat Catatan Refer to Note 2e for the accounting policy of
2e untuk kebijakan akuntansi atas financial instrument.
pengukuran instrumen keuangan.
Investasi Sukuk Investment in Sukuk
Investasi sukuk yang diukur pada biaya Investment in sukuk measured at cost are
perolehan pada awalnya diakui sebesar initially recognized at cost, including
biaya perolehan, termasuk biaya transaksi. transaction costs. The difference between
Selisih antara biaya perolehan dan nilai the acquisition cost and nominal value is
nominal diamortisasi secara garis lurus amortized on straight-line basis over the
selama jangka waktu sukuk dan diakui term of sukuk and recognized in profit or
dalam laba rugi. Rugi penurunan nilai loss. An impairment loss is recognized in
diakui dalam laba rugi apabila jumlah profit or loss when the recoverable amount
terpulihkan lebih kecil daripada jumlah is less than the carrying amount.
tercatat.
Investasi sukuk yang diukur pada nilai Investment in sukuk measured at fair value
wajar melalui laba rugi pada awalnya diakui through profit or loss are initially recognized
sebesar biaya perolehan, tidak termasuk at cost, excluding transaction costs. After
biaya transaksi. Setelah pengakuan awal, initial recognition, the difference between the
selisih antara nilai wajar dan jumlah tercatat fair value and the carrying amount is
diakui dalam laba rugi. recognized in profit or loss.
- 34 -
Investasi sukuk yang diukur pada nilai Investment in sukuk measured at fair value
wajar melalui penghasilan komprehensif through other comprehensive income are
lain pada awalnya diakui sebesar biaya initially recognized at cost, including
perolehan, termasuk biaya transaksi. transaction costs. After initial recognition,
Setelah pengakuan awal, selisih antara the difference between the acquisition cost
biaya perolehan dan nilai nominal and nominal value is amortized on straight-
diamortisasi secara garis lurus selama line basis over the term sukuk and
jangka waktu sukuk dan diakui dalam laba recognized in profit or loss. Gains or losses
rugi. Keuntungan atau kerugian dari from changes in fair value is recognized in
perubahan nilai wajar diakui dalam other comprehensive income. When the
penghasilan komprehensif lain. Ketika investments in sukuk are derecognised, the
investasi sukuk dihentikan pengakuannya, cumulative gain or loss previously
akumulasi keuntungan atau kerugian yang recognized in other comprehensive income
sebelumnya diakui dalam penghasilan is reclassified to profit or loss as a
komprehensif lain direklasifikasi ke laba reclassification adjustment. An impairment
rugi sebagai penyesuaian reklasifikasi. loss is recognized in profit or loss when the
Rugi penurunan nilai diakui dalam laba rugi recoverable amount is less than the carrying
apabila jumlah terpulihkan lebih kecil amount, after taking into account the
daripada jumlah tercatat, setelah balance in other comprehensive income.
memperhitungkan saldo dalam penghasilan
komprehensif lain.
j. Kredit yang diberikan dan j. Loan and receivables/sharia financing

piutang/pembiayaan syariah
Kredit yang diberikan adalah penyediaan Loans represent provision of cash or cash
uang atau tagihan yang dapat disetarakan equivalents based on agreements with
dengan kas, berdasarkan persetujuan atau borrowers, where borrowers required to
kesepakatan pinjam-meminjam dengan repay their debts with interest after specified
debitur yang mewajibkan debitur untuk periods.
melunasi utang berikut bunganya setelah
jangka waktu tertentu.
Sebelum 1 Januari 2020, kredit yang Before January 1, 2020 loans are classified
diberikan diklasifikasikan sebagai aset as financial assets in loans and receivables
keuangan dalam kelompok pinjaman yang category. After January 1, 2020, loans are
diberikan dan piutang. Sejak 1 Januari classified as financial assets at amortized
2020 kredit yang diberikan diklasifikasikan cost (Note 2e).
sebagai aset keuangan yang diukur pada
biaya perolehan diamortisasi (Catatan 2e).
Termasuk dalam kredit yang diberikan Loans include sharia financing which consist
adalah pembiayaan syariah yang terdiri of murabahah receivables, qardh
dari piutang murabahah, piutang qardh, receivables, musyarakah financing,
pembiayaan musyarakah, pembiayaan mudharabah financing and ijarah
mudharabah dan piutang ijarah. receivables.
Murabahah adalah akad jual beli barang Murabahah is an agreement for the sale and
dengan harga jual sebesar biaya perolehan purchase of goods with sales price
ditambah keuntungan (marjin) yang equivalent to cost plus agreed margin, and
disepakati dan penjual harus the seller should inform the purchased cost
mengungkapan biaya perolehan barang to buyer.
tersebut kepada pembeli.
Qardh adalah akad pinjam meminjam dana Qardh is a loan/borrowing funds without
tanpa imbalan dengan liabilitas pihak profit wherein the borrower return the
peminjam mengembalikan pokok pinjaman principal of the loan at lump sum or on
secara sekaligus atau cicilan dalam jangka installment over certain period.
waktu tertentu.
- 35 -
Musyarakah adalah akad kerjasama antara Musyarakah is an agreement between

dua pihak atau lebih untuk suatu usaha investors (musyarakah partners) to have a
tertentu, dimana masing-masing pihak join-venture in a partnership, at an agreed
memberikan kontribusi dana dengan nisbah sharing portion, while losses will be
ketentuan bahwa keuntungan dibagi proportionately distributed based on the
berdasarkan kesepakatan sedangkan capital contribution. These funds including
kerugian berdasarkan porsi kontribusi cash or non-cash assets which are allowed
dana. Dana tersebut meliputi kas atau aset by sharia.
nonkas yang diperkenankan oleh syariah.
Mudharabah adalah akad kerjasama usaha Mudharabah is an agreement between the

antara bank sebagai pemilik dana (shahibul bank as an owner of funds (shahibul maal)
maal) dan nasabah selaku pengelola dana and customer as a fund manager (mudharib)
(mudharib), menjalankan usaha dengan to run a business with pre-defined terms of
penentuan awal keuntungan dan kerugian nisbah (gain or loss). Ijarah is a lease
(nisbah). Ijarah adalah akad sewa- agreement between lessor and lessee to get
menyewa antara pemilik (obyek sewa) dan margin from leased object.
penyewa untuk mendapatkan imbalan atas
obyek sewa yang disewakannya.
Pembiayaan syariah disajikan sebesar Sharia financing is presented in the amount

jumlah pembiayaan dikurangi dengan of financing minus the allowance for
cadangan kerugian penurunan nilai dengan impairment losses with a minimum amount
jumlah minimum berdasarkan Peraturan based on Financial Services Authority
Otoritas Jasa Keuangan (POJK) No. Regulation (POJK) No. 16/POJK.03/2014
16/POJK.03/2014 tanggal 18 November dated November 18, 2014 as amended by
2014 sebagaimana telah diubah dengan POJK No. 19/POJK.03/2018 concerning
POJK No. 19/POJK.03/2018 tentang changes to the Financial Services Authority
perubahan atas Peraturan Otoritas Jasa Regulation No. 16/POJK.03/2014
Keuangan No. 16/POJK.03/2014 tentang concerning Quality Assessment of Sharia
Penilaian Kualitas Aset Bank Umum Commercial Banks and Sharia Business
Syariah dan Unit Usaha Syariah serta Surat Units and OJK Circular
Edaran OJK No. 8/SEOJK.03/2015 tanggal No. 8/SEOJK.03/2015 date March 10, 2015
10 Maret 2015 tentang Penilaian Kualitas concerning Assets Quality Assessment of
Aset Bank Umum Syariah dan Unit Usaha Sharia Commercial Banks and Sharia
Syariah dan POJK No. 11/POJK.03/2020 Business Units and Financial Services
tanggal 13 Maret 2020 tentang Stimulus Authority Regulation No. 11/POJK.03/2020
Perekonomian Nasional sebagai Kebijakan dated March 13, 2020 concerning National
Counter Cyclical Dampak Penyebaran Economic Stimulus as a Counter Cyclical
Corona Virus Diseases 2019. Policy on the Impact of the Spread of
Corona Virus Diseases 2019.
Pembiayaan syariah dengan akad Sharia financing with murabahah contract is

murabahah disajikan sebesar jumlah presented at the financing amount less
pembiayaan dikurangi cadangan kerugian allowance for impairment losses in
penurunan nilai sesuai dengan PSAK accordance with PSAK No. 102
No. 102 (Amandemen 2019). (Amendment 2019).
Ketika kredit yang diberikan tidak tertagih, For uncollected loans, the loans are written
kredit tersebut dihapus buku dengan off by reversing the journal of allowance for
menjurnal balik cadangan kerugian impairment losses. Loans granted can be
penurunan nilai. Kredit yang diberikan written-off after all the necessary procedures
tersebut dapat dihapus buku setelah have been performed and the amount of the
semua prosedur yang diperlukan telah loss has been determined.
dilakukan dan jumlah kerugian telah
ditentukan.
- 36 -
Kriteria debitur yang dapat dihapus Criteria of the debtor that can be written off
bukukan meliputi: include:
1. Fasilitas kredit telah mengalami 1. The credit facilities have been

penurunan nilai; impaired;
2. Fasilitas kredit telah dibentuk 2. The credit facility has been established
cadangan kerugian penurunan nilai with allowance for impairment losses
sebesar 100% dari pokok kredit; amounted to 100% of the loan
principal;
3. Telah dilakukan berbagai upaya 3. Efforts for billing and recovery have
penagihan dan pemulihan, namun been made, but to no avail;
tidak berhasil;
4. Usaha debitur sudah tidak mempunyai 4. The entity debtor no longer has
prospek atau kinerja debitur buruk atau prospects or has bad performance or
tidak ada kemampuan membayar; no ability to pay;
5. Hapus buku dilakukan terhadap semua 5. The write–off are perfomed for all loan
kewajiban kredit, termasuk dari fasilitas obligations, including those from non-
pinjaman non tunai sehingga cash loan facility so that the write-offs
penghapusan tidak dapat dilakukan can not be done on some of its loan
pada beberapa kewajiban kreditnya obligations (partial write-off);
(penghapusan sebagian);
Apabila aset yang dijaminkan diambil alih, If the tangible assets are taken over, then
maka Perusahaan akan menjurnal balik the Company should reverse journal on
cadangan kerugian penurunan nilai dan allowance for impairment losses and
mengakui agunan yang diambil alih yang recognizes foreclosed properties that are
diukur pada nilai yang lebih rendah antara measured at the lower of carrying amount
nilai tercatat dan nilai wajar setelah and fair value less costs to sell.
dikurangi biaya untuk menjual.
Ketika terjadi penerimaan kembali kredit When there is a collection from previous
yang dihapus buku, Perusahaan mencatat write-off loan, the Company records
penerimaan kembali tersebut dengan this recovery as a credit to recovery of
mengkreditkan pemulihan kerugian impairment losses on financial assets.
penurunan nilai aset keuangan.
Restrukturisasi kredit meliputi modifikasi Loan restructuring may involve a

persyaratan kredit, konversi kredit menjadi modification of the terms of the loans,
saham atau instrumen keuangan lainnya conversion of loans into equity or other
dan/atau kombinasi dari keduanya. financial instruments and/or a combination
of both.
Dalam restrukturisasi kredit yang In restructuring credit that converted credit

mengkonversi kredit menjadi saham, become shares, the Company obtains
Perusahaan memperoleh penyertaan participation of temporary investment. In
modal sementara. Dengan mengacu pada accordance with Bank Indonesia Regulation
Peraturan Bank Indonesia (PBI) (PBI) No. 15/11/PBI/2013 on the
No. 15/11/PBI/2013 tentang Prinsip Precautionary Principle Capital Investment
Kehatihatian dalam Kegiatan Penyertaan Activity, release or divestment to
Modal, pelepasan atau divestasi atas participation of temporary investment is
penyertaan modal sementara wajib mandatory if the participation of temporary
dilakukan apabila penyertaan modal investment has exceeded the maximum
sementara telah melebihi jangka waktu period of 5 (five) years or the company
paling lama 5 (lima) tahun atau perusahaan where investment of temporary investment
tempat penyertaan modal sementara telah have obtained a cumulative profit.
memperoleh laba kumulatif.
- 37 -
Kredit yang direstrukturisasi disajikan Restructured loans are stated at the lower of
sebesar nilai yang lebih rendah antara nilai carrying value of the loan at the time of
tercatat kredit pada tanggal restrukturisasi restructuring or net present value of the total
atau nilai tunai penerimaan kas masa future cash receipts after restructuring.
depan setelah restrukturisasi. Kerugian Losses arising from any excess of the
akibat selisih antara nilai tercatat kredit carrying value of the loan at the time of
pada tanggal restrukturisasi dengan nilai restructuring over the net present value of
tunai penerimaan kas masa depan setelah the total future cash receipts after
restrukturisasi diakui sebagai laba/rugi. restructuring are recognised as profit/loss.
Setelah restrukturisasi, semua penerimaan Thereafter, all cash receipts under the new
kas masa depan yang ditetapkan dalam terms shall be accounted for as the recovery
persyaratan baru dicatat sebagai of principal and interest revenue, in
pengembalian pokok kredit yang diberikan accordance with the restructuring scheme.
dan pendapatan bunga sesuai dengan
syarat-syarat restrukturisasi.
k. Tagihan dan Liabilitas Akseptasi k. Acceptance Receivables and Payables
Tagihan akseptasi diklasifikasikan sebagai Acceptance receivables are classified as

asset keuangan pada biaya perolehan financial assets at amortized cost (2019: as
diamortisasi (2019: sebagai kelompok loans and receivables). Refer to Note 2e for
pinjaman yang diberikan dan piutang). the accounting policy for financial
Lihat Catatan 2e untuk kebijakan akuntansi instrument.
atas instrumen keuangan.
Liabilitas akseptasi diklasifikasikan sebagai Acceptance payables are classified as

liabilitas keuangan yang diukur dengan financial liabilities at amortised cost (2019:
biaya perolehan diamortisasi (2019: as other financial liabilities). Refer to Note
sebagai liabilitas keuangan lain-lain). Lihat 2e for the accounting policy for financial
Catatan 2e untuk kebijakan akuntansi atas instrument.
instrumen keuangan.
l. Efek yang Dibeli dengan Janji Jual l. Securities Purchased Under Agreements
Kembali dan Efek yang Dijual dengan to Resell and Securities Sold Under
Janji Beli Kembali Agreements to Repurchase
Efek yang Dibeli dengan Janji Jual Securities Purchased Under Agreements
Kembali (Reverse Repo) to Resell (Reverse Repo)
Efek yang dibeli dengan janji dijual kembali Securities purchased under resale
(reverse repo) disajikan sebagai tagihan agreements (reverse repo) are presented as
sebesar harga jual kembali yang disepakati receivables at the agreed resale price net of
dikurangi dengan selisih antara harga beli the difference between the purchase price
dan harga jual kembali yang disepakati and agreed resale price (unearned interest
(pendapatan bunga yang ditangguhkan) income) and allowance for impairment
dan cadangan kerugian penurunan nilai. losses. The difference between the
Selisih antara harga beli dan harga jual purchase price and the agreed resale price
kembali yang disepakati tersebut are amortised using effective interest rate as
diamortisasi dengan menggunakan suku interest income over the period,
bunga efektif sebagai pendapatan bunga commencing from the acquisition date to the
selama jangka waktu sejak efek itu dibeli resale date.
hingga saat dijual kembali.
Sebelum 1 Januari 2020, efek yang dibeli Prior to January 1, 2020, securities
dengan janji jual kembali diklasifikasikan purchased under resale agreement are
sebagai kelompok pinjaman yang diberikan classified as loans and receivable. Since
dan piutang. Sejak 1 Januari 2020, efek January 1, 2020, securities purchased under
yang dibeli dengan janji jual kembali resale agreement are classified as financial
diklasifikasikan sebagai aset keuangan assets at amortized cost (Note 2e).
yang diukur pada biaya perolehan
diamortisasi (Catatan 2e).
- 38 -
Efek yang Dijual dengan Janji Beli Securities Sold Under Agreements to
Kembali (Repo) Repurchase (Repo)
Efek yang dijual dengan janji beli kembali Securities sold under agreements to
(repo) diakui sebagai liabilitas sebesar repurchase (repo) are recognized as
harga pembelian kembali yang disepakati liabilities at the repurchase price agreed with
dengan nasabah dikurangi beban bunga the customer less unamortized interest
yang belum diamortisasi. Selisih antara expense. The difference between the selling
harga jual dan harga beli kembali price and the repurchase price is treated as
diperlakukan sebagai bunga dibayar prepaid interest expense and recognized as
dimuka dan diakui sebagai beban bunga interest expense over the period from the
sesuai dengan jangka waktu sejak efek sale of securities until it is repurchased.
dijual hingga dibeli kembali. Efek yang Securities sold are recorded as assets in
dijual tetap dicatat sebagai aset dalam statements of financial position since the
laporan posisi keuangan karena ownership of the securities remains with the
kepemilikan efek tetap berada pada pihak Company as the seller.
Perusahaan sebagai penjual.
Efek yang dijual dengan janji dibeli kembali Securities sold under repurchase
diklasifikasikan sebagai liabilitas keuangan agreements are classified in financial
yang diukur pada biaya perolehan liabilities measured at amortized cost
diamortisasi (2019 : sebagai liabilitas category (2019: as other financial liabilities)
keuangan lain-lain). Lihat Catatan 2e untuk Refer to Note 2e for accounting policy for
kebijakan akuntansi atas instrumen financial instruments.
keuangan.
m. Kontrak Jaminan Keuangan dan Tagihan m. Financial Guarantee Contracts and Other
Komitmen Lainnya Commitments
Kontrak jaminan keuangan adalah kontrak Financial guarantee contracts are contracts
yang mengharuskan penerbit untuk that require the issuer to make specified
melakukan pembayaran kepada pemegang payments to reimburse the holder for a loss
kontrak atas kerugian yang terjadi karena incurred because a specified debtor
debitur tertentu gagal untuk melakukan defaulted to make payments when due, in
pembayaran pada saat jatuh tempo, sesuai accordance with the terms of a debt
dengan ketentuan dari instrumen utang. instrument. Such financial guarantees are
Jaminan keuangan tersebut diberikan given to banks, financial institutions and
kepada bank, lembaga keuangan dan other institutions on behalf of customers to
badan-badan lainnya atas nama debitur secure loans, other banking facilities and
untuk menjamin kredit, fasilitas-fasilitas undrawn provision of loans.
perbankan lainnya dan penyediaan dana
yang belum ditarik.
Pengakuan awal jaminan keuangan dalam Financial guarantees are initially recognized
laporan keuangan adalah sebesar nilai in the financial statements at fair value on
wajar pada saat jaminan diberikan. Nilai the date the guarantee was given. The fair
wajar jaminan keuangan pada saat value of a financial guarantee at inception is
berlakunya transaksi pada umumnya sama likely to equal the premium received
dengan premi yang diterima karena because all guarantees are agreed on arm’s
diberikan dengan syarat dan kondisi normal length terms and the initial fair value is
dan nilai wajar awal diamortisasi sepanjang amortised over the life of the financial
umur jaminan keuangan. guarantees.
Setelah pengakuan awal kontrak, jaminan Subsequently, they are measured at the
keuangan dicatat pada nilai yang lebih higher of amortized amount and the present
tinggi antara biaya perolehan diamortisasi value of any expected payment (when
dengan nilai kini pembayaran yang a payment under the guarantee has become
diharapkan akan terjadi (ketika probable) and the difference is charged to
pembayaran atas jaminan menjadi besar other operating expense in the profit or loss.
kemungkinan terjadinya), dan selisihnya
dibebankan sebagai beban operasional
lainnya dalam laba rugi.
- 39 -
Sebelum 1 Januari 2020, cadangan Prior to January 1, 2020, allowance for

kerugian penurunan nilai atas kontrak impairment losses on financial guarantee
jaminan keuangan dan tagihan komitmen contracts and other commitments bills with
lainnya yang memiliki risiko kredit dihitung credit risk is calculated based on historical
berdasarkan kerugian historis, mulai loss, from Januari 1, 2020, allowance for
1 Januari 2020, cadangan kerugian impairment losses on certain commitment
penurunan nilai atas komitmen are based on expected losses model
berdasarkan dari model kerugian (Note 2e).
ekspektasian (Catatan 2e).
n. Aset Tetap n. Property and Equipment
Aset tetap, kecuali tanah dan bangunan, Property and equipment, except for land and
dinyatakan berdasarkan biaya perolehan, buildings, are carried at cost, excluding day
tetapi tidak termasuk biaya perawatan to day servicing, less accumulated
sehari-hari, dikurangi akumulasi depreciation and impairment, if any.
penyusutan dan akumulasi rugi penurunan
nilai, jika ada.
Tanah dinyatakan berdasarkan nilai Land is stated at the revalued amount less
revaluasian dikurangi akumulasi rugi accumulated impairment losses, if any.
penurunan nilai, jika ada.
Bangunan dinyatakan berdasarkan nilai Buildings are stated at the revalued amount
revaluasian dikurangi akumulasi less accumulated impairment losses, if any.
penyusutan dan akumulasi rugi penurunan
nilai, jika ada.
Nilai revaluasian tanah dan bangunan Revaluation amount of land and buildings
ditentukan oleh penilai independen. Pada was determined by an independent
saat model revaluasi diterapkan, akumulasi appraisers. At the time of the applying of
penyusutan bangunan pada tanggal revaluation model, accumulated depreciation
revaluasi dieliminasi terhadap biaya of buildings on the date of revaluation is
perolehan dan nilai tercatat neto setelah eliminated against the gross carrying amount
dieliminasi disajikan kembali sebesar of the asset and the net amount restated to
jumlah revaluasian. Kenaikan nilai akibat the revalued amount of the building.
revaluasi dikreditkan ke akun “Surplus Revaluation surplus is credited to the
revaluasi aset tetap” sebagai “Komponen account "Revaluation surplus of property
ekuitas lainnya” di bagian ekuitas pada and equipment" included in "Other equity
laporan posisi keuangan dan laporan components" in the equity section of the
perubahan ekuitas. Penurunan nilai yang statement of financial position and statement
menghapuskan kenaikan nilai sebelumnya of changes in equity. Impairment reversing
atas aset yang sama diakui dalam the previously increase in value of the same
penghasilan komprehensif lain, sedangkan asset is recognized in other comprehensive
penurunan nilai lainnya langsung income, while other impairment is directly
dibebankan ke laba rugi. Surplus revaluasi charged to profit or loss. Revaluation surplus
aset tetap akan dipindahkan dari of property and equipment will be transferred
“Komponen ekuitas lainnya” ke “Saldo laba” from "Other equity components" to
pada saat aset dihentikan penggunaannya. "Retained earnings" at the time the asset is
derecognized.
Biaya perolehan awal aset tetap meliputi The initial cost of property and equipment
harga perolehan, termasuk bea impor consists of its purchase price, including
dan pajak pembelian yang tidak boleh non-refundable import duties and taxes and
dikreditkan dan biaya-biaya yang dapat any directly attributable costs in bringing the
diatribusikan secara langsung untuk property and equipment to its working
membawa aset ke lokasi dan kondisi condition and location for its intended use.
yang diinginkan sesuai dengan tujuan
penggunaan yang ditetapkan.
- 40 -
Revaluasi akan dilakukan dengan Revaluation will be perfomed regularly to

keteraturan yang cukup reguler untuk ensure that the carrying amount does not
memastikan bahwa jumlah tercatat tidak differ materially from the amount determined
berbeda secara material dengan jumlah using the fair value at the end of the
yang ditentukan dengan menggunakan nilai reporting period.
wajar pada akhir periode pelaporan.
Beban-beban yang timbul setelah aset Expenditures incurred after the property and
tetap digunakan, seperti beban perbaikan equipment have been put into operations,
dan pemeliharaan, dibebankan ke laba rugi such as repairs and maintenance costs, are
pada saat terjadinya. Apabila beban-beban normally charged to profit or loss in the year
tersebut menimbulkan peningkatan such costs are incurred. In situations where
manfaat ekonomis di masa datang dari it can be clearly demonstrated that the
penggunaan aset tetap tersebut yang dapat expenditures have resulted in an increase in
melebihi kinerja normalnya, maka beban- the future economic benefits expected to be
beban tersebut dikapitalisasi sebagai obtained from the use of the property and
tambahan biaya perolehan aset tetap. equipment beyond its originally assessed
standard of performance, the expenditures
are capitalized as additional costs of
property and equipment.
Penyusutan dihitung berdasarkan metode Depreciation is computed on a straight-line

garis lurus (straight-line method) selama basis over the property and equipment’s
masa manfaat aset tetap sebagai berikut: useful lives, as follows:
Tahun/Years %
Bangunan 20 5 Buildings
Inventaris kantor 10 10 Office equipment
Kendaraan bermotor 4 25 Vehicles
Nilai tercatat aset tetap ditelaah kembali The carrying values of property and
dan dilakukan penurunan nilai apabila equipment are reviewed for impairment
terdapat peristiwa atau perubahan when events or changes in circumstances
kondisi tertentu yang mengindikasikan nilai indicate that the carrying values may not be
tercatat tersebut tidak dapat dipulihkan recoverable.
sepenuhnya.
Jumlah tercatat aset tetap dihentikan An item of property and equipment is

pengakuannya pada saat dilepaskan atau derecognized upon disposal or when no
tidak ada manfaat ekonomis masa depan future economic benefits are expected from
yang diharapkan dari penggunaan atau its use or disposal. Any gains or losses
pelepasannya. Keuntungan atau kerugian arising from derecognition of property and
yang timbul dari penghentian pengakuan equipment is included in profit or loss in the
aset tetap diakui dalam laba rugi pada year the item is derecognized.
tahun terjadinya penghentian pengakuan.
Nilai residu, umur manfaat, serta metode The asset’s residual values, useful life and
penyusutan ditelaah setiap akhir tahun dan depreciation method are reviewed and
dilakukan penyesuaian apabila hasil telaah adjusted, if appropriate, at each financial
berbeda dengan estimasi sebelumnya. year end.
o. Aset Ijarah o. Ijarah Assets
Aset ijarah, yakni kendaraan bermotor, Ijarah assets, such as motorcycle,

mesin, alat berat dan piranti lunak, machinery, heavy equipment and software,
disusutkan atau diamortisasi sesuai are depreciated or amortized over the lease
dengan jangka waktu sewa atau umur term or the economic life of assets,
ekonomis aset, mana yang lebih pendek, whichever is shorter, where at the end of
dimana pada akhir masa akad, aset the year, these assets are assigned to
tersebut akan dihibahkan ke penyewa. customer.
- 41 -
Untuk akad ijarah muntahiyah bitamlik For the ijarah muntahiyah bitamlik contracts
(sewa pembiayaan), apabila pada saat (lease financing), if at the time of transfer of
perpindahan kepemilikan aset ijarah dari ownership of the asset from the owner to the
pemilik kepada penyewa dilakukan dengan lessee by grant, then the carrying amount is
cara hibah, maka jumlah tercatat aset ijarah recognized as an ijarah asset expense.
diakui sebagai beban.
Pendapatan sewa selama masa akad Lease income during lease term is
diakui pada saat manfaat atas aset telah recognized when the benefits of assets have
diserahkan kepada penyewa. been handed over to the lessee.
Pendapatan ijarah disajikan secara neto Ijarah income is presented net of

setelah dikurangi beban yang terkait related expenses such as, depreciation,
yakni beban penyusutan, pemeliharaan, maintenance and repairs expenses. Ijarah
dan perbaikan. Pendapatan ijarah neto net income is presented as part of " profit
disajikan sebagai bagian dari “pendapatan sharing income" in profit or loss.
bagi hasil” dalam laba rugi.
p. Agunan yang Diambil Alih p. Foreclosed Properties
Agunan kredit yang diberikan, berupa Collaterals on loans in the form of land and
tanah dan aset lainnya, yang telah diambil other assets foreclosed by the Company,
alih oleh Perusahaan disajikan dalam are presented under “Other Assets” account.
perkiraan “Aset lain-lain”.
Agunan yang diambil alih dicatat pada nilai Foreclosed properties are stated at the
yang lebih rendah antara nilai tercatat dan lower of carrying amount and fair value
nilai wajar setelah dikurangi biaya untuk less costs to sell. The difference between
menjual. Selisih antara nilai agunan yang the value of the foreclosed properties and
diambil alih dengan sisa pokok pinjaman the outstanding loan principal, if any, is
yang diberikan, jika ada, dibebankan ke charged to the current year profit or loss.
laba rugi tahun berjalan.
Selisih antara nilai agunan yang telah The difference between the carrying value of
diambil alih dan hasil penjualannya diakui the foreclosed property and the proceeds
sebagai keuntungan atau kerugian pada from its sale is recognized as a gain or loss
saat penjualan agunan. in the period the property was sold.
Biaya-biaya yang berkaitan dengan The costs of maintenance and renovation of

pemeliharaan dan perbaikan agunan yang foreclosed properties are charged to profit or
diambil alih dibebankan ke laba rugi pada loss when incurred.
saat terjadinya.
Bila terjadi penurunan nilai yang bersifat The carrying amount of the property is
permanen, maka nilai tercatatnya dikurangi written-down to recognize a permanent
untuk mengakui penurunan tersebut dan dimunition in value of the foreclosed
kerugiannya dibebankan pada laba rugi property, which is charged to the current
tahun berjalan. year profit or loss.
Manajemen melakukan evaluasi secara Management evaluates periodically the

berkala atas nilai agunan yang diambil alih. value of foreclosed assets. If there are
Bila terjadi penurunan nilai yang bersifat permanent impairment, the carrying amount
permanen, maka nilai tercatatnya dikurangi is reduced to recognize the decline and
untuk mengakui penurunan tersebut dan losses charged to the profit or loss for the
kerugiannya dibebankan pada laba rugi. year.
- 42 -
q. Transaksi Sewa q. Lease Transactions

Sebagai Pesewa As Lessor
Sewa Operasi Operating Lease
Sewa dimana Perusahaan tetap Leases where the Company retains
mempertahankan secara substansial substantially all the risks and benefits of
seluruh risiko dan manfaat yang terkait ownership of the asset are classified as
dengan kepemilikan suatu aset operating leases. Initial direct costs incurred
diklasifikasikan sebagai sewa operasi. in negotiating an operating lease are added
Biaya langsung awal yang dapat to the carrying amount of the leased asset
diatribusikan secara langsung dengan and recognized over the lease term on the
negosiasi dan pengaturan sewa operasi same basis as rental income.
ditambahkan ke nilai tercatat aset sewaan
dan diakui ke laba rugi tahun berjalan
selama masa sewa sesuai dengan dasar
pengakuan pendapatan sewa.
Sebagai Penyewa As Lessee
Penentuan apakah suatu kontrak The determination of whether an
merupakan atau mengandung unsur sewa arrangement is or contains a lease is based
adalah berdasarkan substansi kontrak on the substance of the arrangement at
pada tanggal awal sewa, yakni apakah inception date of whether the fulfillment of
pemenuhan syarat kontrak tergantung the arrangement is dependent on the use of
pada penggunaan aset tertentu dan a specific asset or assets and the
kontrak tersebut berisi hak untuk arrangement conveys a right to use the
menggunakan aset tersebut. asset.
Sewa dimana seluruh risiko dan manfaat Leases in which a significant portion of the
yang terkait dengan kepemilikan aset risks and rewards incidental to ownership
secara signifikan berada pada pesewa retained by the lessor are classified as
diklasifikasikan sebagai sewa operasi. operating leases.
Pembayaran sewa dalam sewa operasi Payments made under operating leases are
dibebankan dalam laba rugi secara garis charged profit or loss on a straight-line basis
lurus selama masa sewa. over the period of the lease.
Sewa dimana Perusahaan memiliki secara Leases whereby the Company has
substansial seluruh risiko dan manfaat substantially all the risks and rewards
terkait dengan pemilikan aset incidental to ownership are classified as
diklasifikasikan sebagai sewa pembiayaan. finance leases. Finance leases are
Sewa pembiayaan dikapitalisasi pada awal capitalised at the lease’s commencement at
masa sewa sebesar nilai yang lebih rendah the lower of the fair value of the leased
antara nilai wajar aset sewaan dan nilai kini assets and the present value of the
dari pembayaran sewa minimum. minimum lease payments.
Setiap pembayaran sewa pembiayaan Each finance lease payment is allocated
dipisahkan antara bagian yang merupakan between the finance and liability. The
beban keuangan dan bagian yang corresponding rental obligations, net of
merupakan pelunasan kewajiban. Jumlah finance charges, are included in other long-
kewajiban sewa, dikurangi beban term payables. The interest element of the
keuangan disajikan sebagai liabilitas finance cost is charged to the statements of
jangka panjang. Unsur bunga sebagai profit or loss over the lease period so as to
biaya keuangan dibebankan dalam laba produce a constant periodic rate of interest
rugi setiap periode selama masa sewa on the remaining balance of the liability for
sedemikian rupa sehingga menghasilkan each period. The fixed asset acquired under
suatu tingkat suku bunga periodik yang finance leases is depreciated over the
konstan atas saldo liabilitas. Aset tetap shorter of the useful life of the asset and the
yang diperoleh melalui sewa pembiayaan lease term.
disusutkan selama jangka waktu yang lebih
pendek antara periode masa sewa dan
umur manfaatnya.
- 43 -
Sebagai Penyewa As Lessee
Perusahaan menerapkan PSAK No. 73 The Company has applied PSAK No. 73,
yang mensyaratkan pengakuan liabilitas which set the requirement for the
sewa sehubungan dengan sewa yang recognition of lease liabilities in relation to
sebelumnya diklasifikasikan sebagai ‘sewa leases which had been previously classified
operasi’ as operating lease’.
Pada tanggal permulaan kontrak, At the inception of a contract, the Company

Perusahaan menilai apakah kontrak assesses whether the contract is, or
merupakan, atau mengandung, sewa. contains, a lease. A contract is or contains a
Suatu kontrak merupakan atau lease if the contract conveys the right to
mengandung sewa jika kontrak tersebut control the use of an identified assets for a
memberikan hak untuk mengendalikan period of time in exchange for consideration.
penggunaan aset identifikasian selama
suatu jangka waktu untuk dipertukarkan
dengan imbalan.
Untuk menilai apakah kontrak memberikan To assess whether a contract conveys the
hak untuk mengendalikan penggunaan right to control the use of an identified asset,
aset identifikasian, Perusahaan harus the Company shall assesses whether:
menilai apakah:
- Perusahaan memiliki hak untuk - The Company has the right to obtain
mendapatkan secara subtansial substantially all the economic benefits
seluruh manfaat ekonomi dari from use of the asset throughout the
penggunaan aset identifikasian; dan period of use; and
- Perusahaan memiliki hak untuk - The Company has the right to direct
mengarahkan penggunaan aset the use of the asset. The Company
identifikasian. Perusahaan memiliki has this right when it has the decision-
hak ini ketika Perusahaan memiliki making rights that are the most
hak untuk pengambilan keputusan relevant to changing how and for what
yang relevan tentang bagaimana dan purpose the asset is used are
untuk tujuan apa aset digunakan telah predetermined:
ditentukan sebelumnya dan:
1. Perusahaan memiliki hak untuk 1. The Company has the right to

mengoperasikan aset; operate the asset;
2. Perusahaan telah mendesain 2. The Company has designed the

aset dengan cara menetapkan asset in a way that predetermined
sebelumnya bagaimana dan how and for what purpose it will be
untuk tujuan apa aset akan used.
digunakan selama periode
penggunaan.
Pada tanggal awal dimulainya kontrak atau At the inception or on reassessment of a

pada tanggal penilaian kembali atas contract that contains a lease component,
kontrak yang mengandung sebuah the Company allocates the consideration in
komponen sewa, Perusahaan the contract to each lease component on the
mengalokasikan imbalan dalam kontrak ke basis of their relative stand-alone prices and
masing-masing komponen sewa the aggregate stand-alone price of the non-
berdasarkan harga tersendiri relatif dari lease components.
komponen sewa dan harga tersendiri
agregat dari komponen nonsewa.
- 44 -
Pada tanggal permulaan sewa, The Company recognizes a right-of-use

Perusahaan mengakui aset hak-guna dan assets and a lease liability at the lease
liabilitas sewa. Aset hak-guna diukur pada commencement date. The right-of-use
biaya perolehan, dimana meliputi jumlah assets are initially measured at cost, which
pengukuran awal liabilitas sewa yang comprises the initial amount of the lease
disesuaikan dengan pembayaran sewa liability adjusted for any lease payment
yang dilakukan pada atau sebelum tanggal made at or before the commencement date.
permulaan.
Aset hak-guna kemudian disusutkan The right-of-use assets are subsequently

menggunakan metode garis lurus dari depreciated using the straight-line method
tanggal permulaan hingga tanggal yang from the commencement date to the earlier
lebih awal antara akhir umur manfaat aset of the end of the useful life of the right-of-
hak-guna atau akhir masa sewa. use assets or the end of the lease term.
Liabilitas sewa diukur pada nilai kini The lease liability is initially measured at the
pembayaran sewa yang belum dibayar present value of the lease payments that are
pada tanggal permulaan, didiskontokan not paid at the commencement date,
dengan menggunakan suku bunga implisit discounted using the interest rate implicit in
dalam sewa atau jika suku bunga tersebut the lease or, if that rate cannot be readily
tidak dapat ditentukan, maka determined, using incremental borrowing
menggunakan suku bunga pinjaman rate. Generally, the Company uses its
inkremental. Pada umumnya, Perusahaan incremental borrowing rate as the discount
menggunakan suku bunga pinjaman rate.
inkremental sebagai tingkat bunga
diskonto.
Pembayaran sewa yang termasuk dalam Lease payments included in the

pengukuran liabilitas sewa meliputi measurement of the lease liability comprise
pembayaran berikut ini: the following:
- pembayaran tetap, termasuk - fixed payments, including in-substance

pembayaran tetap secara substansi; fixed payments;
- pembayaran sewa variabel yang - variable lease payments that depend
bergantung pada indeks atau suku on an index or a rate, initially
bunga yang pada awalnya diukur measured using the index or rate as at
dengan menggunakan indeks atau the commencement date;
suku bunga pada tanggal permulaan;
- jumlah yang diperkirakan akan - amounts expected to be payable under
dibayarkan oleh penyewa dengan a residual value guarantee;
jaminan nilai residual;
- harga eksekusi opsi beli jika - the exercise price under a purchase
Perusahaan cukup pasti untuk option that the Company is reasonably
mengeksekusi opsi tersebut; dan certain to exercise; and
- penalti karena penghentian awal - penalties for early termination of a
sewa kecuali jika Perusahaan cukup lease unless the Company is
pasti untuk tidak menghentikan lebih reasonably certain not to terminate
awal. early.
Pembayaran sewa dialokasikan menjadi Each lease payment is allocated between

bagian pokok dan biaya keuangan. Biaya the liability and finance cost. The finance
keuangan dibebankan pada laba rugi cost is charged to profit or loss over the
selama periode sewa sehingga lease period so as to produce a constant
menghasilkan tingkat suku bunga periodik periodic rate of interest on the remaining
yang konstan atas saldo liabilitas untuk balance of the liability for each period.
setiap periode.
- 45 -
Jika sewa mengalihkan kepemilikan aset If the lease transfers ownership of the
pendasar kepada Perusahaan pada akhir underlying asset to the Company by the end
masa sewa atau jika biaya perolehan aset of the lease term or if the cost of the right-of-
hak-guna merefleksikan Perusahaan akan use assets reflects that the Company will
mengeksekusi opsi beli, maka exercise a purchase option, the Company
Perusahaan menyusutkan aset hak-guna depreciates the right-of-use assets from the
dari tanggal permulaan hingga akhir umur commencement date to the end of the useful
manfaat aset pendasar. Jika tidak, maka life of the underlying asset. Otherwise, the
Perusahaan menyusutkan asset hak-guna Company depreciates the right-of-use
dari tanggal permulaan hingga tanggal assets from the commencement date to the
yang lebih awal antara akhir umur manfaat earlier of the end of the useful life of the
aset hak-guna atau akhir masa sewa. right-of-use assets or the end of the lease
term.
r. Biaya Dibayar Dimuka r. Prepaid Expenses
Biaya dibayar dimuka diamortisasi selama Prepaid expenses are amortized over their
masa manfaat masing-masing biaya beneficial periods using the straight-line
dengan menggunakan metode garis lurus. method.
s. Penurunan Nilai Aset Non-Keuangan s. Impairment of Non-Financial Assets
Pada setiap akhir periode pelaporan The Company assesses at each reporting
tahunan, Perusahaan menelaah apakah period whether there is an indication that an
terdapat indikasi suatu aset mengalami asset may be impaired. If any such
penurunan nilai. Jika terdapat indikasi indication exists, or when impairment testing
tersebut atau pada saat uji periode for an asset is required, the Company
penurunan nilai aset perlu dilakukan, maka makes an estimate of the asset’s
Perusahaan membuat estimasi jumlah recoverable amount.
terpulihkan aset tersebut.
Jika nilai tercatat aset lebih besar daripada Where the carrying amount of an asset
nilai terpulihkannya, maka aset tersebut exceeds its recoverable amount, the asset is
dinyatakan mengalami penurunan nilai dan considered impaired and impairment losses
rugi penurunan nilai diakui dalam laba rugi. are recognized in profit or loss. In assessing
Dalam menghitung nilai pakai, estimasi the value in use, the estimated net future
arus kas masa depan bersih didiskontokan cash flows are discounted to their present
ke nilai kini dengan menggunakan tingkat value using a pre-tax discount rate that
diskonto sebelum pajak yang reflects current market assessments of the
mencerminkan penilaian pasar kini dari nilai time value of money and the risks specific to
waktu uang dan risiko spesifik atas aset. the asset.
Penelaahan dilakukan pada akhir setiap An assessment is made at each annual

periode pelaporan tahunan untuk reporting period as to whether there is any
mengetahui apakah terdapat indikasi indication that previously recognized
bahwa rugi penurunan nilai aset yang telah impairment losses recognized for an asset
diakui dalam periode sebelumnya mungkin may not longer exist or may have
tidak ada lagi atau mungkin telah menurun. decreased. If such indication exists, the
Jika indikasi dimaksud ditemukan, recoverable amount is estimated.
maka Perusahaan mengestimasi jumlah A previously recognized impairment loss for
terpulihkan aset tersebut. Kerugian an asset will be reversed only if the carrying
penurunan nilai yang diakui dalam periode amount of the assets does not exceed its
sebelumnya akan dipulihkan apabila nilai recoverable amount nor exceed the carrying
tercatat aset tidak melebihi jumlah amount that would have been determined,
terpulihkannya maupun nilai tercatat, neto net of depreciation, had no impairment loss
setelah penyusutan, seandainya tidak ada been recognized for the asset in prior
rugi penurunan nilai yang telah diakui untuk periods. After such a reversal, the
aset tersebut pada tahun-tahun depreciation charge on the said asset is
sebelumnya. Setelah pemulihan tersebut, adjusted in future years to allocate the
penyusutan aset tersebut disesuaikan di asset’s revised carrying amount, less any
periode mendatang untuk mengalokasikan residual value, on a systematic basis over its
nilai tercatat aset yang direvisi, dikurangi remaining useful life.
nilai sisanya, dengan dasar yang sistematis
selama sisa umur manfaatnya.
- 46 -
t. Liabilitas Segera t. Liability Immediately Payable
Liabilitas segera adalah liabilitas Obligation due immediately represents the

Perusahaan kepada pihak lain yang Company’s liabilities to other parties that
sifatnya wajib segera dibayarkan sesuai immediately payable in accordance with
perjanjian yang ditetapkan sebelumnya. terms of the relevant agreements.
Liabilitas segera disajikan sebesar biaya Obligations due immediately are stated at
perolehan yang diamortisasi (Catatan 2e). the amortized cost (Note 2e).
u. Simpanan dan Simpanan dari Bank Lain u. Deposits and Deposits from Other Banks
Simpanan dan simpanan dari bank lain Deposits and deposits from other banks are
diklasifikasikan sebagai liabilitas keuangan classified as financial liabilities measured at
yang diukur pada biaya perolehan amortized cost (2019: other financial
diamortisasi (2019: liabilitas keuangan lain- liabilities) using the effective interest method
lain) menggunakan metode suku bunga (Note 2e).
efektif (Catatan 2e).
Simpanan merupakan liabilitas kepada Deposits are liabilities to customers in the

nasabah dalam bentuk giro, tabungan dan form of demand deposits, savings deposits
deposito berjangka. and time deposits.
Giro merupakan simpanan nasabah yang Demand deposits represent deposits of

dapat digunakan sebagai alat pembayaran, customers which may be used as
yang penarikannya dapat dilakukan setiap instruments of payment, and which may be
saat melalui cek atau dengan cara withdrawn at any time by checks, or other
pemindahbukuan dengan bilyet giro atau orders of payment or transfers.
sarana perintah pembayaran lainnya.
Tabungan merupakan simpanan nasabah Savings deposits represent deposits of

yang penarikannya hanya dapat dilakukan customers which may only be withdrawn
sesuai dengan syarat tertentu yang when certain agreed conditions at the
disepakati pada saat pembukaan account opening are met. They may not be
rekening tabungan. Penarikan atas withdrawn by checks or other equivalent
tabungan tidak dapat dilakukan dengan instruments, except by using specific
menggunakan cek atau instrumen sejenis, withdrawal slip which can only be validated
tetapi menggunakan formulir penarikan at the depository bank and/or by using
tersendiri yang hanya berlaku di bank yang Automatic Teller Machine (ATM) card.
bersangkutan dan/atau menggunakan kartu
Anjungan Tunai Mandiri (ATM).
Deposito berjangka merupakan simpanan Time deposits represent deposits of

nasabah yang penarikannya hanya customers which may only be withdrawn
dapat dilakukan pada saat jatuh tempo after a certain period of time in accordance
sesuai dengan jangka waktu yang with the agreement with the customers at
disepakati dengan nasabah pada saat the time of placement, or the customers will
penempatannya, dimana nasabah akan be fined or penalized if withdrawals are
dikenakan penalti apabila melakukan made before maturity.
penarikan sebelum tanggal jatuh
temponya.
Simpanan termasuk simpanan syariah dan Deposits include sharia deposits and
investasi tidak terikat yang terdiri dari giro unrestricted investments consisting of
dan tabungan Wadiah yang merupakan wadiah giro and saving is entrusted funds in
titipan dana dalam bentuk giro dan the form of savings where income fund
tabungan dimana pemilik dana owners get a bonus.
mendapatkan pendapatan bonus.
- 47 -
Simpanan dari bank lain merupakan Deposits from other banks are liabilities to
liabilitas kepada bank lain dalam bentuk other banks in the form of demand deposits,
giro, call money kurang dari atau 90 hari, call money less than or 90 days and time
dan deposito berjangka dengan periode deposits with original maturities of each
jatuh tempo menurut perjanjian masing- agreement.
masing.
v. Dana Syirkah Temporer v. Temporary Syirkah Funds
Dana syirkah temporer terdiri dari giro dan Temporary syirkah funds consist of
tabungan Mudharabah, deposito berjangka Mudharabah demand and savings deposits,
Mudharabah dan Sertifikat Investasi Mudharabah time deposits and Mudharabah
Mudharabah antar Bank. Interbank Investment Certificates.
Giro dan tabungan Mudharabah dinyatakan Mudharabah demand and savings deposits
sebesar nilai investasi pemegang tabungan are stated at the amount deposited by
di Perusahaan. depositors in the Company.
Deposito berjangka Mudharabah Mudharabah time deposits are stated at the

dinyatakan sebesar nilai nominal sesuai nominal amount set forth in the agreements
dengan perjanjian antara pemegang between the holders of time deposit and the
deposito berjangka dengan Perusahaan. Company.
Dana syirkah temporer tidak dapat Temporary syirkah fund cannot be classified
digolongkan sebagai liabilitas. Hal ini as liability. This was due to the Company
karena Perusahaan tidak berkewajiban does not have any liability to return the initial
untuk mengembalikan jumlah dana awal fund to the owners, except for losses
dari pemilik dana, kecuali kerugian yang incurred due to the Company’s management
timbul akibat kelalaian atau wanprestasi negligence or default of loss is incurred. On
dari manajemen Perusahaan. Di sisi lain, the other hand, temporary syirkah fund
dana syirkah temporer tidak dapat cannot be classified as shareholders’ equity,
digolongkan sebagai ekuitas karena because it has maturity period and the
mempunyai waktu jatuh tempo dan pemilik depositors do not have the same rights as
dana tidak mempunyai hak kepemilikan the shareholders’ such as voting rights and
yang sama dengan pemegang saham the rights of realised profit from current
seperti hak voting dan hak atas realisasi assets and other non-investment accounts.
keuntungan yang berasal dari aset lancar
dan aset non-investasi (current and other
non-investment accounts).
Pemilik dana syirkah temporer memperoleh The owners of temporary syirkah funds earn
bagian atas keuntungan sesuai profit in accordance with the agreement and
kesepakatan dan menerima kerugian receive loss based on the amount of funds
berdasarkan jumlah dana dari masing- from each party. The return of temporary
masing pihak. Pembagian hasil dana syirkah funds are based on revenue sharing
syirkah temporer berdasarkan konsep bagi concept.
hasil.
w. Biaya Emisi Saham w. Share Issuance Costs
Biaya emisi saham dikurangkan dari bagian Share issuance costs are deducted from the
tambahan modal disetor yang timbul dari additional paid-in capital resulting from the
penerbitan saham dan tidak diamortisasi. issuance of shares and are not amortized.
- 48 -
x. Pengakuan Pendapatan Bunga, Beban x. Recognition of Interest Revenues,

Bunga, Pendapatan dan Beban Bagi Interest Expense, Sharia Revenues and
Hasil Syariah Revenue Sharing Distribution
Pendapatan dan Beban Bunga Interest Revenues and Expenses
Pendapatan dan beban bunga untuk Interest income and expense for all financial
semua instrumen keuangan diakui di dalam instruments are recognized in profit or loss
laba rugi secara akrual dengan on accrual basis using the effective interest
menggunakan metode suku bunga efektif. rate method.
Pendapatan dan Beban Bagi Hasil Profit Sharing Income and Expenses
Pendapatan syariah terdiri dari keuntungan Sharia revenue consists of income from
murabahah, pendapatan ijarah muntahiyah murabahah, income from muntahiyah
bittamlik (sewa), dan bagi hasil pembiayaan bittamlik ijarah (lease), and profit sharing of
mudharabah dan musyarakah. mudharabah and musyarakah financing.
Keuntungan murabahah dan pendapatan Income from Murabahah and revenue from
ijarah muntahiyah bittamlik diakui selama ijarah muntahiyah bittamlik are recognized
periode akad berdasarkan konsep akrual. over the contract period on an accrual basis.
Pendapatan bagi hasil pembiayaan Revenues from the profit sharing of
mudharabah diakui pada saat diterima atau mudharabah financing are recognized when
dalam periode terjadinya hak bagi hasil received or within the period of entitlement
sesuai porsi bagi hasil (nisbah) yang based on profit sharing agreement.
disepakati.
Beban berdasarkan prinsip syariah terdiri Expenses based on sharia consists of profit
dari beban bagi hasil mudharabah, beban sharing expense of mudharabah, wadiah
bonus wadiah dan beban bagi hasil bonus expense and profit sharing expense
Sertifikat Investasi Mudharabah Antar Bank of Certificate of Sharia Interbank
Syariah. Mudharabah Investment.
y. Pengakuan Pendapatan dan Beban y. Recognition of Revenues and Expenses

Provisi dan Komisi on Commissions and Fees
Provisi dan Komisi Terkait Instrumen Fees and Commissions Related to Financial
Keuangan Instruments
Pendapatan dan beban provisi dan komisi Commission income and expense and fees
yang terkait dengan perolehan instrumen associated with the acquisition of financial
keuangan dalam kategori dimiliki hingga instruments categorized as held to maturity,
jatuh tempo, pinjaman diberikan dan loans and receivables, and available for
piutang, serta tersedia untuk dijual, atau sale, or related to a period of time that the
terkait jangka waktu tertentu yang amount is significant, are recorded as part of
jumlahnya signifikan, dicatat sebagai the fair value of financial assets or financial
bagian dari nilai wajar aset atau liabilitas liabilities and amortized over the time period
keuangan dan diamortisasi sesuai dengan using the effective interest rate.
jangka waktunya dengan menggunakan
suku bunga efektif.
- 49 -
Provisi dan Komisi Lainnya Fees and Commission
Provisi dan komisi lainnya yang tidak terkait Fees and commissions that are not related
dengan kegiatan perolehan instrumen to the acquisition or issuance of financial
keuangan dan jangka waktu tertentu yang instrument and have maturity terms in which
jumlahnya signifikan, dan diamortisasi amounts are significant, are deferred and
menggunakan metode garis lurus sesuai amortized using the straight-line method
dengan jangka waktu transaksi yang over the term of the relevant transaction.
bersangkutan. Sedangkan, pendapatan Meanwhile, provision fees income and
dan beban provisi dan komisi lainnya yang expenses and commissions that are not
tidak signifikan langsung diakui sebagai significant are recognized immediately as
pendapatan atau beban pada saat income or expenses on the transaction date.
terjadinya transaksi.
Pendapatan provisi dan komisi lainnya, Revenues from commission and other fees
meliputi pendapatan yang tidak terkait not related to credit, such as banca
dengan kredit, seperti jasa banca assurance services, and revenues
assurance, pendapatan terkait dengan associated with import and export bank
ekspor impor dan bank garansi, dan guarantee, are recognized as revenue when
pendapatan yang diakui pada saat jasa the services are rendered.
diberikan.
z. Pendapatan dan Beban Operasional z. Other Operating Revenue and Expenses

Lainnya
Pendapatan operasional lainnya diakui Other operating revenues are recognized

pada saat terjadinya. when earned.
Beban operasional lainnya diakui pada saat Other operating expenses are recognized
terjadinya dengan menggunakan metode when incurred using the accrual method.
akrual.
aa. Pajak Penghasilan aa. Income Tax
Pajak Kini Current Tax
Pajak kini ditentukan berdasarkan laba Current tax expense is determined based on
kena pajak dalam tahun yang the taxable income for the year computed
bersangkutan yang dihitung berdasarkan using prevailing tax rates.
tarif pajak yang berlaku.
Pajak Tangguhan Deferred Tax
Pajak tangguhan diakui sebagai liabilitas Deferred tax is provided using the liability
jika terdapat perbedaan temporer kena method on temporary differences between
pajak yang timbul dari perbedaan antara the tax bases of assets and liabilities and
dasar pengenaan pajak aset dan liabilitas their carrying amounts for financial reporting
dengan jumlah tercatatnya pada tanggal purposes at the reporting date.
pelaporan.
Aset pajak tangguhan diakui untuk seluruh Deferred tax assets are recognized for all
perbedaan temporer yang dapat deductible temporary differences and the
dikurangkan dan rugi fiskal yang dapat carry forward tax benefit of any unused tax
dikompensasikan. Aset pajak tangguhan losses. Deferred tax assets are recognized
diakui dan direview pada setiap tanggal and reviewed at each reporting date and
pelaporan atau diturunkan jumlah reduced to the extent that it is probable that
tercatatnya, sepanjang kemungkinan besar taxable profit will be available against which
laba kena pajak tersedia untuk the deductible temporary differences and the
pemanfaatan perbedaan temporer yang carry forward benefit of unused tax losses
dapat dikurangkan dan rugi fiskal yang can be utilized.
dapat dikompensasikan.
- 50 -
Aset dan liabilitas pajak tangguhan diukur Deferred tax assets and liabilities are
dengan menggunakan tarif pajak yang measured at the tax rates that are expected
diharapkan berlaku ketika aset dipulihkan to apply in the year when the asset is
atau liabilitas diselesaikan, berdasarkan realized or the liability is settled, based on
tarif pajak (atau peraturan pajak) yang telah tax rates (or tax laws) that have been
berlaku atau secara substantif telah berlaku enacted or substantively enacted at the
pada tanggal pelaporan. reporting date.
Aset pajak tangguhan dan liabilitas pajak Deferred tax assets and deferred tax
tangguhan saling hapus jika dan hanya liabilities are offset if and only if, a legally
jika, terdapat hak yang dipaksakan secara enforceable right exists to set off current tax
hukum untuk melakukan saling hapus aset assets against current tax liabilities and the
pajak kini terhadap liabilitas pajak kini dan deferred taxes relate to the same taxable
pajak tangguhan tersebut terkait dengan entity and the same taxation authority.
entitas kena pajak yang sama dan
dikenakan oleh otoritas perpajakan yang
sama.
bb. Laba per Saham bb. Earnings per Share
Laba per saham dasar dihitung Basic earning per share is computed by
berdasarkan laba bersih dibagi jumlah dividing net profit with the weighted average
rata-rata tertimbang saham yang beredar number of outstanding common shares
pada tahun yang bersangkutan. during the year.
Laba per saham dilusian dihitung dengan Diluted earnings per share is computed by
membagi laba bersih dengan jumlah dividing net profit by the weighted average
rata-rata tertimbang saham biasa yang number of shares outstanding during the
beredar pada tahun yang bersangkutan year as adjusted for the effects of all dilutive
yang telah disesuaikan dengan dampak potential common shares.
dari semua efek berpotensi saham biasa
dilutif.
cc. Imbalan Kerja cc. Employee Benefits
Liabilitas imbalan kerja jangka pendek Short-term employee benefits liability
Imbalan kerja jangka pendek diakui Short-term employee benefits are

sebesar jumlah yang tak-terdiskonto recognized at its undiscounted amount as a
sebagai liabilitas pada laporan posisi liability after deducting any amount already
keuangan setelah dikurangi dengan jumlah paid in the statement of financial position
yang telah dibayar dan sebagai beban and as an expense in profit or loss.
dalam laba rugi.
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability

merupakan manfaat pasti yang dibentuk represents post-employment benefits,
dengan pendanaan khusus melalui funded defined-benefit plans through a
program dana pensiun dan didasarkan certain pension fund which amounts are
pada masa kerja dan jumlah penghasilan determined based on years of service and
karyawan pada saat pensiun yang dihitung salaries of the employees at the time of
menggunakan metode Projected Unit pension and calculated using the Projected
Credit. Pengukuran kembali liabilitas Unit Credit. Remeasurement is reflected
imbalan pasti langsung diakui dalam immediately in the statement of financial
laporan posisi keuangan dan penghasilan position with a charge or credit recognized in
komprehensif lain pada periode terjadinya other comprehensive income in the period in
dan tidak akan direklasifikasi ke laba rugi, which they occur and not to be reclassified
namun menjadi bagian dari saldo laba. to profit or loss but reflected immediately in
Biaya liabilitas imbalan pasti lainnya terkait retained earnings. All other costs related to
dengan program imbalan pasti diakui the defined-benefit plan are recognized in
dalam laba rugi. profit or loss.
- 51 -

merupakan imbalan pasca-kerja iuran pasti represents post-employment benefits,
melalui dana pensiun dan didasarkan pada defined-contribution plans through a certain
masa kerja dan jumlah penghasilan pension fund which amounts are determined
karyawan saat pensiun. Jumlah iuran yang based on years of service and salaries of
terutang diakui sebagai liabilitas pada the employees at the time of pension. The
laporan posisi keuangan konsolidasian contribution payable is accrued as a liability
setelah dikurangi dengan jumlah yang telah after deducting any amount already paid in
dibayar dan sebagai beban dalam laba the consolidated statement of financial
rugi. position and an expense in profit or loss.
Jika ada bagian iuran yang jatuh tempo If a part of the contributions falls due in a
dalam waktu lebih dari 12 bulan setelah period in excess of twelve (12) months from
tanggal laporan posisi keuangan the consolidated statement of financial
konsolidasian, maka iuran tersebut position date, the contributions are
disajikan sebesar nilai kini liabilitas yang presented at its discounted amount.
didiskontokan.
Manfaat iuran pasti ditentukan berdasarkan Defined-contribution plans benefits are

akumulasi iuran dan hasil pengembangan determined based on accumulated
investasi. contributions and returns on investments.
dd. Informasi Segmen dd. Segment Information
Informasi segmen disusun sesuai dengan Segment information is prepared using the
kebijakan akuntansi yang dianut dalam accounting policies adopted for preparing
penyusunan dan penyajian laporan and presenting the financial statements.
keuangan.
Segmen operasi diidentifikasi berdasarkan Operating segments are identified based on

laporan internal komponen-komponen the basis of internal reports about
Perusahaan yang secara berkala components of the Company that are
dilaporkan kepada pengambil keputusan regularly reported to the chief operating
operasional dalam rangka alokasi sumber decision maker in the context of allocation of
daya ke dalam segmen dan penilaian resources to the segments and assessment
kinerja Perusahaan. of its performance.
ee. Provisi ee. Provisions
Provisi diakui jika Perusahaan mempunyai Provisions are recognized when the
kewajiban kini (hukum maupun konstruktif) Company has present obligation (legal or
sebagai akibat peristiwa masa lalu, yang constructive) as a result of a past event, it is
memungkinkan Perusahaan harus probable that the Company will be required
menyelesaikan kewajiban tersebut dan to settle the obligation, and a reliable
estimasi yang andal mengenai jumlah estimate can be made of the amount of the
kewajiban tersebut dapat dibuat. obligation.
Jumlah yang diakui sebagai provisi adalah The amount recognized as a provision is the
hasil estimasi terbaik pengeluaran yang best estimate of the consideration required
diperlukan untuk menyelesaikan kewajiban to settle the obligation at the reporting date,
kini pada tanggal pelaporan, dengan taking into account the risks and
mempertimbangkan risiko dan uncertainties surrounding the obligation.
ketidakpastian terkait kewajiban tersebut.
- 52 -
ff. Peristiwa Setelah Periode Pelaporan ff. Events After the Reporting Period
Peristiwa-peristiwa yang terjadi setelah The events that occurred after the reporting
periode pelaporan yang menyediakan period that provide additional information
tambahan informasi mengenai posisi regarding the Company's financial position
keuangan Perusahaan pada tanggal at the balance sheet date (adjusting events),
laporan posisi keuangan (peristiwa if any, have been reflected in the financial
penyesuai), jika ada, telah tercermin dalam statements. The events that occurred after
laporan keuangan. Peristiwa-peristiwa yang the reporting period that does not require
terjadi setelah periode pelaporan yang adjustment (non-adjusting events), if the
tidak memerlukan penyesuaian (peristiwa amount of material, are disclosed in the
non-penyesuai), apabila jumlahnya financial statements.
material, telah diungkapkan dalam laporan
keuangan.
3. Penggunaan Estimasi, Pertimbangan dan 3. Management Use of Estimates, Judgments

Asumsi Manajemen and Assumptions
Dalam penerapan kebijakan akuntansi In the application of the Company’s accounting

Perusahaan, seperti yang diungkapkan dalam policies, which are described in Note 2 to the
Catatan 2 pada laporan keuangan, manajemen financial statements, management is required to
harus membuat estimasi, pertimbangan, dan make estimates, judgments, and assumptions
asumsi atas nilai tercatat aset dan liabilitas about the carrying amounts of assets and
yang tidak tersedia oleh sumber-sumber lain. liabilities that are not readily apparent from other
Estimasi dan asumsi tersebut, berdasarkan sources. The estimates and assumptions are
pengalaman historis dan faktor lain yang based on historical experience and other factors
dipertimbangkan relevan. that are considered to be relevant.
Manajemen berkeyakinan bahwa Management believes that the following

pengungkapan berikut telah mencakup ikhtisar represent a summary of the significant estimates,
estimasi, pertimbangan dan asumsi signifikan judgments and assumptions made that affected
yang dibuat oleh manajemen, yang berdampak certain reported amounts of and disclosures in
terhadap jumlah-jumlah yang dilaporkan serta the financial statements.
pengungkapan dalam laporan keuangan.
Pertimbangan Judgments
Pertimbangan-pertimbangan berikut dibuat oleh The following judgments are made by

manajemen dalam proses penerapan kebijakan management in the process of applying the
akuntansi Perusahaan yang memiliki dampak Company’s accounting policies that have the
yang paling signifikan terhadap jumlah-jumlah most significant effects on the amounts
yang diakui dalam laporan keuangan: recognized in the financial statements:
a. Mata Uang Fungsional a. Functional Currency
Mata uang fungsional Perusahaan adalah The functional currency of the Company is
mata uang lingkungan ekonomi utama the currency of the economic environment in
dimana masing-masing entitas beroperasi. which it operates. It is the currency, among
Mata uang tersebut adalah yang paling others, that mainly influences sales prices
mempengaruhi harga jual barang dan jasa, for goods and services, and the country
dan mata uang dari negara yang kekuatan whose competitive forces and regulations
persaingan dan peraturannya sebagian mainly determine the sales price of its good
besar menentukan harga jual barang dan and services, and the currency in which fund
jasa entitas, dan merupakan mata uang from financing acitivities are generated.
yang mana dana dari aktivitas pendanaan
dihasilkan.
- 53 -
b. Klasifikasi Aset Keuangan dan Liabilitas b. Classification of Financial Assets and

Keuangan Financial Liabilities
Perusahaan menentukan klasifikasi aset The Company determines the classifications

dan liabilitas tertentu sebagai aset of certain assets and liabilities as financial
keuangan dan liabilitas keuangan dengan assets and liabilities by judging if they meet
menilai apakah aset dan liabilitas tersebut the definition set forth in PSAK No. 71 (prior
memenuhi definisi yang ditetapkan dalam to January 1, 2020: PSAK No. 55).
PSAK No. 71 (sebelum 1 Januari 2020: Accordingly, the financial assets and
PSAK No. 55). Aset keuangan dan liabilitas liabilities are accounted for in accordance
keuangan dicatat sesuai dengan kebijakan with the Company’s accounting policies
akuntansi Perusahaan sebagaimana disclosed in Note 2.
diungkapkan dalam Catatan 2.
c. Cadangan Kerugian Penurunan Nilai Aset c. Allowance for Impairment of Financial

Keuangan Assets
Cadangan kerugian penurunan nilai Allowance for impairment losses is

dipelihara pada jumlah yang menurut maintained at a level considered adequate
manajemen adalah memadai untuk to provide for potentially uncollectible
menutup kemungkinan tidak tertagihnya receivables. The Company assesses
aset keuangan. Pada setiap tanggal specifically at each statement of financial
laporan posisi keuangan, Perusahaan position date whether there is an objective
secara spesifik menelaah apakah telah evidence that a financial asset is impaired
terdapat bukti obyektif bahwa suatu aset (uncollectible).
keuangan telah mengalami penurunan nilai
(tidak tertagih).
Cadangan yang dibentuk adalah The level of allowance is based on past

berdasarkan pengalaman penagihan masa collection experience and other factors that
lalu dan faktor-faktor lainnya yang mungkin may affect collectability such as the
mempengaruhi kolektibilitas, antara lain probability of insolvency or significant
kemungkinan kesulitan likuiditas atau financial difficulties of the debtors or
kesulitan keuangan yang signifikan yang significant delay in payments.
dialami oleh debitur atau penundaan
pembayaran yang signifikan.
Jika terdapat bukti obyektif penurunan nilai, If there is an objective evidence of

maka saat dan besaran jumlah yang dapat impairment, timing and collectible amounts
ditagih diestimasi berdasarkan pengalaman are estimated based on historical loss data.
kerugian masa lalu. Cadangan kerugian Allowance is provided on accounts
penurunan nilai dibentuk atas akun-akun specifically identified as impaired. Written off
yang diidentifikasi secara spesifik telah loans and receivables are based on
mengalami penurunan nilai. Akun pinjaman management’s decisions that the financial
yang diberikan dan piutang assets are uncollectible or cannot be
dihapusbukukan berdasarkan keputusan realized in whatsoever actions have been
manajemen bahwa aset keuangan tersebut taken. Evaluation of receivables to
tidak dapat ditagih atau direalisasi determine the total allowance to be provided
meskipun segala cara dan tindakan telah is performed periodically during the year.
dilaksanakan. Suatu evaluasi atas piutang, Therefore, the timing and amount of
yang bertujuan untuk mengidentifikasi allowance recorded at each period might
jumlah cadangan yang harus dibentuk, differ based on the judgments and estimates
dilakukan secara berkala sepanjang tahun. that have been used.
Oleh karena itu, saat dan besaran jumlah
cadangan kerugian penurunan nilai yang
tercatat pada setiap periode dapat berbeda
tergantung pada pertimbangan dan
estimasi yang digunakan.
- 54 -
Pada setiap tanggal laporan posisi At each financial position reporting date, the
keuangan, Perusahaan menilai apakah Company shall assess whether the credit
risiko kredit atas instrumen keuangan telah risk of a financial instrument has increased
meningkat secara signifikan sejak significantly since initial recognition. When
pengakuan awal. Ketika melakukan making the assessment, the Company shall
penilaian tersebut, Perusahaan use the change in the risk of a default over
mempertimbangkan perubahan risiko gagal the expected life of the financial instrument.
bayar yang terjadi selama umur instrumen To make that assessment, the Company
keuangan. Dalam melakukan penilaian shall compare the risk of a default occurring
tersebut, Perusahaan membandingkan on the financial instrument as at the
risiko gagal bayar yang terjadi pada tanggal reporting date with the risk of a default
pelaporan dengan risiko gagal bayar pada occurring on the financial instrument as at
saat pengakuan awal, serta the date of initial recognition and consider
mempertimbangkan informasi, termasuk reasonable and supportable information,
informasi masa lalu, kondisi saat ini, dan including that which is forward-looking, that
informasi bersifat perkiraan masa depan is available without undue cost or effort.
(forward-looking), yang wajar dan
terdukung yang tersedia tanpa biaya atau
upaya berlebihan.
Perusahaan mengukur cadangan kerugian The Company shall measure the loss
sepanjang umurnya, jika risiko kredit atas allowance for a financial instrument at an
instrumen keuangan tersebut telah amount equal to the lifetime expected credit
meningkat secara signifikan sejak losses if the credit risk on that financial
pengakuan awal, jika tidak, maka instrument has increased significantly since
Perusahaan mengukur cadangan kerugian initial recognition, otherwise, the Company
untuk instrumen keuangan tersebut shall measure the loss allowance for that
sejumlah kerugian kredit ekspektasian financial instrument at an amount equal to
12 bulan. Suatu evaluasi yang bertujuan 12-month expected credit losses. Evaluation
untuk mengidentifikasi jumlah cadangan of financial assets to determine the
kerugian ekspektasian yang harus allowance for expected loss to be provided
dibentuk, dilakukan secara berkala pada is performed periodically in each reporting
setiap periode pelaporan. Oleh karena itu, period. Therefore, the timing and amount of
saat dan besaran jumlah cadangan allowance for expected credit loss recorded
kerugian ekspektasian yang tercatat pada at each period might differ based on the
setiap periode dapat berbeda tergantung judgments and estimates that are available
pada pertimbangan atas informasi yang or valid at each period.
tersedia atau berlaku pada saat itu.
Nilai tercatat aset keuangan Perusahaan The carrying values of the Company’s
diukur pada biaya perolehan diamortisasi financial assets at amortized cost (excluding
(tidak termasuk akun Syariah) pada tanggal sharia accounts) as of December 31, 2021
31 Desember 2021 dan 2020 adalah and 2020 are as follows:
sebagai berikut:
Nilai Tercatat/Carrying value

2021 2020
Kas 563.453 619.073 Cash

Giro pada Bank Indonesia 1.918.310 1.352.607 Demand deposits with Bank Indonesia
Giro pada bank lain - bersih 3.147.827 2.156.806 Demand deposits with other banks
Penempatan pada bank lain Placement with other bank
dan Bank Indonesia 8.422.917 1.502.318 and Bank Indonesia
Efek-efek - bersih 702.715 444.980 Securities
janji jual kembali 1.672.987 4.586.086 agreements to resell
Kredit yang diberikan - bersih 11.386.910 14.064.458 Loans - net
Tagihan akseptasi - bersih 247.165 153.577 Acceptance receivables
akan diterima 287.880 226.309 Accrued income
Aset lain-lain - bersih 115.329 167.834 Other assets - net
Jumlah 28.465.493 25.274.048 Total
- 55 -
Nilai tercatat aset keuangan Perusahaan The carrying values of the Company’s
dalam kategori dimiliki hingga jatuh tempo financial assets under category of held-to-
serta pinjaman diberikan dan piutang (tidak maturity and loans and receivables
termasuk akun Syariah) tanggal (excluding Sharia accounts) as of
31 Desember 2019 adalah sebagai berikut: December 31, 2019 are as follows:
Nilai Tercatat/
Carrying value
Dimiliki hingga jatuh tempo Held-to-maturity

dan Bank Indonesia 874.597 and Bank Indonesia
Efek-efek 1.744.255 Securities
Pinjaman diberikan dan piutang Loans and receivables

Kas 604.312 Cash
Giro pada Bank Indonesia 1.873.238 Demand deposits with Bank Indonesia
Giro pada bank lain 360.934 Demand deposits with other banks
dan Bank Indonesia 138.825 and Bank Indonesia
Efek-efek 994.975 Securities
janji jual kembali 108.665 agreements to resell
Kredit yang diberikan - bersih 17.856.241 Loans - net
Tagihan akseptasi - bersih 265.212 Acceptance receivables
akan diterima 201.829 Accrued income
Aset lain-lain - bersih 108.187 Other assets - net
Jumlah 25.131.270 Total
d. Komitmen Sewa d. Lease Commitments
Komitmen sewa operasi – Perusahaan Operating lease commitments – the

sebagai penyewa Company as lessee
Perusahaan telah menandatangani The Company has entered into various

sejumlah perjanjian sewa ruangan, lease agreements for commercial spaces,
kendaraan, dan sewa mesin ATM. vehicles and ATM machines. The Company
Perusahaan menentukan bahwa sewa has determined that commercial spaces,
ruangan dan kendaraan memenuhi kriteria and vehicles leases meet the criteria for
pengakuan dan pengukuran aset hak-guna recognition and measurement of right-to-use
dan liabilitas sewa sesuai dengan PSAK assets and lease liabilities in accordance
No. 73, Sewa. with PSAK No. 73, Leases.
Komitmen sewa operasi – Perusahaan Operating lease commitments – the

sebagai pesewa Company as lessor
Perusahaan telah menandatangani The Company has entered into lease of

sejumlah perjanjian sewa ruangan. commercial space agreements. The
Perusahaan menentukan bahwa sewa Company has determined that these are
tersebut adalah sewa operasi karena operating leases since the Company bears
Perusahaan menanggung secara signifikan substantially all the significant risks and
seluruh risiko dan manfaat dari kepemilikan rewards of ownership of the related assets.
aset-aset tersebut.
- 56 -
e. Pajak Penghasilan e. Income Taxes
Pertimbangan yang signifikan dibutuhkan Significant judgment is required in

untuk menentukan jumlah pajak determining the provision for income taxes.
penghasilan. Terdapat sejumlah transaksi There are many transactions and
dan perhitungan yang menimbulkan calculations for which the ultimate tax
ketidakpastian penentuan jumlah pajak determination is uncertain due to different
penghasilan karena interpretasi atas interpretation of tax regulations. Where the
peraturan pajak yang berbeda. Jika hasil final tax outcome of these matters is
pemeriksaan pajak berbeda dengan jumlah different from the amounts that were initially
yang sebelumnya telah dibukukan, maka recorded, such differences will have an
selisih tersebut akan berdampak terhadap impact on the current and deferred income
aset dan liabilitas pajak kini dan tangguhan tax assets and liabilities in the period in
dalam periode dimana hasil pemeriksaan which the results of the examination
tersebut terjadi. occurred.
Estimasi dan Asumsi Estimates and Assumptions
Asumsi utama mengenai masa depan dan The key assumptions concerning the future and
sumber utama lain dalam mengestimasi other key sources of estimation uncertainty at the
ketidakpastian pada tanggal pelaporan yang reporting date that have a significant risk of
mempunyai risiko signifikan yang dapat causing a material adjustment to the carrying
menyebabkan penyesuaian material terhadap amounts of assets and liabilities within the
nilai tercatat aset dan liabilitas dalam periode next financial period are disclosed below.
berikutnya diungkapkan di bawah ini. The Company based its assumptions and
Perusahaan mendasarkan asumsi dan estimasi estimates on parameters available when
pada parameter yang tersedia saat laporan the financial statements were prepared. Existing
keuangan disusun. Kondisi yang ada dan circumstances and assumptions about future
asumsi mengenai perkembangan masa depan developments may change due to market
dapat berubah karena perubahan situasi pasar changes on circumstances arising beyond the
yang berada di luar kendali Perusahaan. control of the Company. Such changes are
Perubahan tersebut tercermin dalam asumsi reflected in the assumptions when they occur:
ketika keadaan tersebut terjadi:
a. Nilai Wajar Aset Keuangan dan Liabilitas a. Fair Value of Financial Assets and Financial
Keuangan Liabilities
Standar Akuntansi Keuangan di Indonesia Indonesian Financial Accounting Standards

mensyaratkan pengukuran aset keuangan require measurement of certain financial
dan liabilitas keuangan tertentu pada nilai assets and liabilities at fair values, and
wajarnya, dan penyajian ini mengharuskan the disclosure requires the use of estimates.
penggunaan estimasi. Komponen Significant component of fair value
pengukuran nilai wajar yang signifikan measurement is determined based on
ditentukan berdasarkan bukti-bukti obyektif verifiable objective evidence (i.e. foreign
yang dapat diverifikasi (seperti nilai tukar, exchange rate, interest rate), while timing
suku bunga), sedangkan saat dan besaran and amount of changes in fair value might
perubahan nilai wajar dapat menjadi differ due to different valuation method used.
berbeda karena penggunaan metode
penilaian yang berbeda.
Nilai wajar aset keuangan diungkapkan The fair value of financial assets are set out
pada Catatan 39. in Note 39.
b. Revaluasi Aset Tetap b. Revaluation of Property and Equipment
Perusahaan mengukur tanah dan The Company measures land and buildings
bangunan pada nilai revaluasi, dan at revalued amounts, and changes in fair
perubahan nilai wajar aset tersebut diakui value of these assets are recognized in
dalam penghasilan komprehensif lain. other comprehensive income. The Company
Perusahaan memakai jasa penilai engaged an independent appraiser to
independen untuk menentukan nilai wajar determine the fair value of these assets
aset. Teknik penilaian yang digunakan using the position. Valuation techniques
untuk menentukan nilai wajar tanah dan used to determine the fair value of land and
bangunan diungkapkan dalam Catatan 14. buildings are disclosed in Note 14.
- 57 -
c. Estimasi Masa Manfaat Aset Tetap c. Estimated Useful Lives of Property and
Equipment
Masa manfaat dari masing-masing aset The useful life of each of the item of the
tetap Perusahaan diestimasi berdasarkan Company’s property and equipment is
jangka waktu aset tersebut diharapkan estimated based on the period over which
tersedia untuk digunakan. Estimasi tersebut the asset is expected to be available for use.
didasarkan pada penilaian kolektif Such estimation is based on a collective
berdasarkan bidang usaha yang sama, assessment of similar business, internal
evaluasi teknis internal dan pengalaman technical evaluation and experience with
dengan aset sejenis. Estimasi masa similar assets. The estimated useful life of
manfaat setiap aset ditelaah secara berkala each asset is reviewed periodically and
dan diperbarui jika estimasi berbeda dari updated if expectations differ from previous
perkiraan sebelumnya yang disebabkan estimates due to physical wear and tear,
karena pemakaian, usang secara teknis technical or commercial obsolescence, and
atau komersial serta keterbatasan hak atau legal or other limits on the use of the asset.
pembatasan lainnya terhadap penggunaan It is possible, however, that future results of
aset. Dengan demikian, hasil operasi di operations could be materially affected by
masa mendatang mungkin dapat changes in the amounts and timing of
terpengaruh secara signifikan oleh recorded expenses brought about by
perubahan dalam jumlah dan waktu changes in the factors mentioned above.
terjadinya biaya karena perubahan yang A reduction in the estimated useful life of
disebabkan oleh faktor-faktor yang any item of property and equipment would
disebutkan di atas. Penurunan estimasi increase the recorded depreciation and
masa manfaat ekonomis setiap aset tetap decrease the carrying values of these
akan menyebabkan kenaikan beban assets.
penyusutan dan penurunan nilai tercatat
aset tetap.
Nilai tercatat aset tetap diungkapkan pada The carrying values of these assets are
Catatan 14. disclosed in Note 14.
d. Imbalan Kerja Jangka Panjang d. Long-term Employee Benefits
Penentuan liabilitas dan imbalan pasca- The determination of the obligation and
kerja dipengaruhi oleh asumsi tertentu post-employment benefits is dependent on
yang digunakan oleh aktuaris dalam the selection of certain assumptions used
menghitung jumlah tersebut. Asumsi- by actuary in calculating such amounts.
asumsi tersebut dijelaskan dalam Those assumptions are described in
Catatan 40 dan mencakup, antara lain, Note 40 and include, among others,
tingkat diskonto dan tingkat kenaikan gaji. discount rate and rate of salary increase.
Hasil aktual yang berbeda dengan asumsi Actual results that differ from the Company’s
Perusahaan diakumulasi dan diamortisasi assumptions are accumulated and
ke masa depan dan oleh karena itu, secara amortized over future periods and therefore,
umum berdampak pada beban yang generally affect the recognized expense
diakui dan liabilitas yang tercatat pada and recorded obligation in such future
periode-periode mendatang. Manajemen periods. While it is believed that the
berkeyakinan bahwa asumsi-asumsi yang Company’s assumptions are reasonable and
digunakan adalah tepat dan wajar, namun appropriate, significant differences in actual
demikian, perbedaan signifikan pada hasil experience or significant changes in
aktual, atau perubahan signifikan dalam assumptions may materially affect the
asumsi-asumsi tersebut dapat berdampak amount of long-term employee benefit
signifikan pada jumlah liabilitas imbalan liability.
kerja jangka panjang.
Nilai tercatat liabilitas imbalan kerja jangka The carrying value of long-term employee
panjang diungkapkan pada Catatan 40. benefit liability is disclosed in Note 40.
- 58 -
e. Penurunan Nilai Aset Non-Keuangan e. Impairment of Non-financial Assets
Penelaahan atas penurunan nilai dilakukan Impairment review is performed when

apabila terdapat indikasi penurunan nilai certain impairment indicators are present.
aset tertentu. Penentuan nilai wajar aset Determining the fair value of assets requires
membutuhkan estimasi arus kas yang the estimation of cash flows expected to be
diharapkan akan dihasilkan dari pemakaian generated from the continued use and
berkelanjutan dan pelepasan akhir atas ultimate disposition of such assets. Any
aset tersebut. Perubahan signifikan dalam significant changes in the assumptions used
asumsi-asumsi yang digunakan untuk in determining the fair value may materially
menentukan nilai wajar dapat berdampak affect the assessment of recoverable values
signifikan pada nilai terpulihkan dan jumlah and any resulting impairment loss could
kerugian penurunan nilai yang terjadi have a material impact on results of the
mungkin berdampak material pada hasil Company’s operations.
operasi Perusahaan.
Nilai tercatat aset non-keuangan berupa The carrying value of these assets in the
aset tetap dan aset lain-lain (agunan yang form of property and equipment, and other
diambil alih) diungkapkan pada Catatan 14 assets (foreclosed properties) are set out in
dan 17. Notes 14 and 17.
f. Aset Pajak Tangguhan f. Deferred Tax Assets
Aset pajak tangguhan diakui untuk semua Deferred tax assets are recognized for all
perbedaan temporer antara nilai tercatat temporary differences between the financial
aset dan liabilitas pada laporan keuangan statements’ carrying amounts of existing
dengan dasar pengenaan pajak jika besar assets and liabilities and their respective tax
kemungkinan bahwa jumlah laba fiskal bases to the extent that it is probable that
akan memadai untuk pemanfaatan taxable profit will be available against which
perbedaan temporer yang diakui. Estimasi the temporary differences can be utilized.
manajemen yang signifikan diperlukan Significant management estimates are
untuk menentukan jumlah aset pajak required to determine the amount of
tangguhan yang diakui berdasarkan deferred tax assets that can be recognized,
kemungkinan waktu terealisasinya dan based upon the likely timing and the level of
jumlah laba kena pajak pada masa future taxable profits together with future tax
mendatang serta strategi perencanaan planning strategies.
pajak masa depan.
Aset pajak tangguhan diungkapkan pada Deferred tax assets are disclosed in
Catatan 34. Note 34.
4. Giro pada Bank Indonesia 4. Demand Deposits with Bank Indonesia
2021 2020 2019
Rupiah 1.815.220 1.470.607 1.742.347 Rupiah

Mata uang asing (Catatan 38) 322.024 152.460 318.246 Foreign currency (Note 38)
Jumlah 2.137.244 1.623.067 2.060.593 Total
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019, this
2019 termasuk dalam giro pada Bank Indonesia account includes current accounts based on the
adalah giro yang didasarkan pada prinsip principles of Islamic banking amounting to
perbankan syariah sebesar Rp 218.934, Rp 218,934, Rp 270,460 and Rp 187,355,
Rp 270.460 dan Rp 187.355. respectively.
- 59 -
Rasio GWM Perusahaan untuk mata uang The Company’s minimum liquidity reserves
Rupiah dan mata uang asing pada tanggal ratio for foreign and Rupiah currencies as of
31 Desember 2021, 2020 dan 2019 adalah: December 31, 2021, 2020 and 2019 are as
follows:
2021 2020 2019
GWM yang telah dibentuk Company's liquidity reserve

Rupiah Rupiah
GWM Primer Primary reserve
Konvensional dan syariah 5,30 4,34 - Conventional and sharia
Konvensional 5,64 4,18 6,62 Conventional
Syariah 3,7 4,91 4,63 Sharia
GWM Sekunder/PLM Secondary reserve
Mata uang asing Foreign currency
Konvensional dan syariah 4,01 4,02 - Conventional and sharia
Syariah 2,04 4,46 84,00 Sharia
5. Giro pada Bank Lain 5. Demand Deposits with Other Banks
2021 2020 2019
Pihak ketiga Third Parties

Rupiah Rupiah
PT Bank Central Asia Tbk 147.818 168.792 91.372 PT Bank Central Asia Tbk
PT Maybank Indonesia Tbk 84.351 52.903 1.053 PT Maybank Indonesia Tbk
Standard Chartered Bank, Standard Chartered Bank,
cabang Jakarta 6.135 7.675 5.423 Jakarta branch
Lain-lain (di bawah Rp 1.000) 65 69 70 Others (under Rp 1,000)
Jumlah 238.369 229.439 97.918 Total
Mata uang asing (Catatan 38) Foreign currencies (Note 38)

PT Bank Central Asia Tbk 1.720.652 168.687 20.444 PT Bank Central Asia Tbk
Bank of Amerika, Merrill Lynch, Bank of Amerika, Merrill Lynch,
Amerika Serikat 356.473 799.554 18.193 United States of America
Standard Chartered Bank, Standard Chartered Bank,
Amerika Serikat 295.889 279.298 20.923 United States of America
PT Bank Mandiri (Persero) Tbk 209.104 307.334 12.935 PT Bank Mandiri (Persero) Tbk
Deutsche Bank Trust Company Deutsche Bank Trust Company
Americas, Amerika Serikat 162.333 189.353 18.315 Americas, United States of America
United Overseas Bank, Singapura 55.670 28.890 35.723 United Overseas Bank, Singapore
PT Bank CIMB Niaga Tbk 37.666 21.324 - PT Bank CIMB Niaga Tbk
Deutsche Bank AG, Jerman 17.558 58.710 25.320 Deutsche Bank AG, Germany
Sumitomo Mitsui Banking Sumitomo Mitsui Banking
Corporation, Jepang 14.059 3.385 6.072 Corporation, Japan
Oversea Chinese Banking Oversea Chinese Banking
Corporation, Singapura 11.453 9.164 10.193 Corporation, Singapore
Bank of China, Cabang Jakarta 10.754 37.518 28.241 Bank of China, Jakarta Branch
Aktif Bank, Turki 6.455 6.926 6.270 Aktif Bank, Turkey
PT Bank ICBC Indonesia 4.631 7.069 9.101 PT Bank ICBC Indonesia
Bank of China, China 2.584 1.912 3.351 Bank of China, China
Standard Charted Bank, Inggris 1.620 862 3.865 Standard Charted Bank, Great Britain
Kookmin Bank, Korea Selatan 1.412 1.286 449 Kookmin Bank, South Korea
DBS Bank, Hong Kong 1.310 1.684 1.372 DBS Bank, Hong Kong
Banco De Sabadell SA, Spanyol 1.263 4.044 6.734 Banco De Sabadell SA, Spain
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk, Singapura 857 706 1.126 (Persero) Tbk, Singapore
Bank of China, Australia - - 33.507 Bank of China, Australia
Lain-lain (di bawah Rp 1.000) 1.231 1.204 882 Others (under Rp 1,000)
Jumlah mata uang asing 2.912.974 1.928.910 263.016 Total foreign currencies
Jumlah 3.151.343 2.158.349 360.934 Total

Cadangan kerugian penurunan nilai (3.516) (1.543) - Allowance for impairment losses
Jumlah - Bersih 3.147.827 2.156.806 360.934 Net
- 60 -
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019, all
2019, kualitas giro pada bank lain demand deposits with other banks are
dikelompokkan sebagai Lancar dan tidak classified as current and there are no demand
terdapat saldo giro pada bank lain yang diblokir. deposits with other banks which are restricted.
2021 2020 2019
Suku bunga rata-rata per tahun Average interest rate per anum
Rupiah 1,00% 1,00% 1,00% Rupiah
Mata uang asing 0,02% 0,18% 0,63% Foreign currencies
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment
giro pada bank lain adalah sebagai berikut: losses on demand deposit with other banks are
as follows:
2021
Tahap 1/ Tahap 2/ Tahap 3/ Jumlah/
Stage 1 Stage 2 Stage 3 Total
Balance at the beginning

Saldo awal tahun 1.543 - - 1.543 of the year
Pembentukan tahun berjalan 1.973 - - 1.973 Provision for current year
Saldo akhir tahun 3.516 - - 3.516 Balance at the end of the year
2020

Saldo awal tahun - - - - of the year
Dampak penerapan awal PSAK No. 71 140 - - 140 Impact of PSAK No. 71
Saldo awal PSAK No. 71 140 - - 140 Balance at the beginning after PSAK No. 71
Pembentukan
tahun berjalan 1.403 - - 1.403 Provision for current year
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian untuk penurunan nilai yang dibentuk impairment losses as of December 31, 2021 and
pada tanggal 31 Desember 2021 dan 2020 2020 is enough to cover possible losses arising.
adalah cukup untuk menutup kemungkinan
kerugian yang timbul.
6. Penempatan pada Bank Indonesia dan Bank 6. Placements with Bank Indonesia and Other
Lain Banks
2021
Suku Bunga Pihak
Rata-rata/ Ketiga/
Jangka Waktu/ Average Interest Third
Jenis Penempatan Term Rate Parties Type of Placement
%
Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank Indonesia
Deposit facility 3 hari/days 2,75 5.130.000 Deposit facility
Term deposit 4 hari/days 2,84 899.787 Term deposits
Mata uang asing (Catatan 38) Foreign currency (Note 38)

Term deposit 3 hari/days 0,02 3.563.130 Term deposits

Cadangan kerugian penurunan nilai - Allowance for impaiment losses
Jumlah - Bersih 9.592.917 Net
- 61 -
2020
Suku Bunga Pihak
Rata-rata/ Ketiga/
%
Rupiah Rupiah
Deposit facility 5 hari/days 3,00 1.102.825 Deposit facility
Penempatan pada bank lain Placements with other banks
Call money 30 hari/days 3,90 100.000 Call money

Term deposit 5 hari/days 0,05 702.502 Term deposits

Cadangan kerugian penurunan nilai (9) Allowance for impaiment losses
Jumlah - Bersih 1.905.318 Net
2019
Suku Bunga Pihak
Rata-rata/ Ketiga/
%
Rupiah Rupiah
Deposit facility 2 hari/days 4,25 26.200 Deposit facility

Term deposit 2-91 hari/days 1,80 874.597 Term deposits
Call money 184 hari/days 2,25 138.825 Call money
Jumlah 1.039.622 Totals
Pada tanggal 31 Desember 2021 dan 2020, As of December 31, 2021 and 2020, placements
penempatan pada bank lain dalam bentuk call with other banks in the form of call money,
money, penempatan pada Bank Indonesia placement with Bank Indonesia in the form of
dalam bentuk deposit facility dan term deposit deposit facility and term deposit are classified as
dikategorikan sebagai biaya perolehan at amortized cost.
diamortisasi.
Pada tanggal 31 Desember 2019, penempatan As of December 31, 2019, placements with other
pada bank lain dalam bentuk call money, banks in the form of call money are classified as
dikategorikan sebagai pinjaman yang diberikan loans and receivables, while placement with
dan piutang, sedangkan penempatan pada Bank Indonesia in the form of deposit facility and
Bank Indonesia dalam bentuk deposit facility term deposit are classified as held to maturity.
dan term deposit dikategorikan sebagai
investasi dimiliki hingga jatuh tempo.
- 62 -
Penempatan pada bank lain dalam mata uang Details of placements with other banks in Rupiah
Rupiah dan asing merupakan penempatan and foreign exchange are as follows:
pada:
Nama Bank 2021 2020 2019 Name of Bank
Rupiah Rupiah
Call money Call money
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Banten Tbk. - 100.000 - Banten Tbk.
Nama Bank 2021 2020 2019 Name of Bank

US$ US$ US$
Mata uang asing Foreign Exchange
Call money Call money
PT Bank J Trust Indonesia - - 10.000.000 PT Bank J Trust Indonesia
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019, all
2019, penempatan pada Bank Indonesia dan placements with Bank Indonesia and other banks
bank lain dikelompokkan sebagai Lancar dan are classified as Current and there are no
tidak terdapat saldo yang dijaminkan maupun pledged as collateral or considered as blocked.
yang diblokir.
Perubahan cadangan kerugian penurunan nilai The changes in allowance for impairment losses
penempatan pada Bank Indonesia dan bank on placements with Bank Indonesia and other
lain adalah sebagai berikut: banks are as follows:
2021

Saldo awal tahun 9 - - 9 of the year
Pemulihan tahun berjalan (9) - - (9) Reversal for current year
Saldo akhir tahun - - - - Balance at the end of the year

2020

Saldo awal PSAK No. 71 199 - - 199 Balance at the beginning after PSAK No. 71
Saldo akhir tahun 9 - - 9 Balance at the end of the year
kerugian untuk penurunan nilai yang dibentuk impairment losses as of December 31, 2021 and
pada tanggal 31 Desember 2021 dan 2020 2020 is enough to cover possible losses arising.
adalah cukup untuk menutup kemungkinan
kerugian yang timbul.
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019, the
2019, Perusahaan tidak memiliki dana yang Company did not have undisbursed funds in the
tidak dapat dicairkan pada bank bermasalah, troubled bank, frozen bank operations or
bank beku operasi atau likuidasi. liquidation.
- 63 -
7. Efek-Efek 7. Securities
a. Jenis dan tujuan investasi efek-efek adalah a. The details of securities by type and
sebagai berikut: purpose of investments are as follows:
2021 2020 2019
Pihak berelasi (Catatan 36) Related parties (Note 36)

Rupiah Rupiah
Obligasi korporasi - - 25.000 Corporate bonds
Diukur pada nilai wajar melalui At fair value through other

penghasilan komprehensif lain comprehensive income
Obligasi korporasi - 7.000 - Corporate bonds
Tersedia untuk dijual Available for sale


Pinjaman yang diberikan dan piutang Loans and receivable
Tagihan atas wesel ekspor - - 10.711 Export bills receivable
Diukur pada biaya perolehan diamortisasi At amortized cost

Tagihan atas wesel ekspor 9.758 - - Export bills receivable
Jumlah - pihak berelasi 9.758 7.000 42.711 Total - related parties
Pihak ketiga Third parties

Rupiah Rupiah
Diukur pada nilai wajar melalui laba rugi At fair value through profit and loss
Obligasi Pemerintah - 1.052 115.178 Government bonds

Obligasi korporasi 4.001.753 2.157.968 - Corporate bonds
Obligasi Pemerintah 8.110.530 5.147.812 - Government bonds
Jumlah diukur pada nilai wajar melalui Total at fair value through other
penghasilan komprehensif lain 12.112.283 7.305.780 - comprehensive income

Obligasi Pemerintah - - 769.085 Government bonds
Jumlah tersedia untuk dijual - - 1.003.166 Total avalaible for sale

Obligasi Pemerintah 2.084.695 1.082.089 - Government bonds
Obligasi korporasi 10.363 58.875 - Corporate bonds
Jumlah biaya perolehan di amortisasi 2.095.058 1.140.964 - Total at amortized cost

Sertifikat Bank Indonesia - - 14.532 Certificate of Bank Indonesia
Bunga diterima dimuka yang Unamortized interest received
belum diamortisasi - - (28) in advance
Nilai bersih - - 14.504 Net
Obligasi Pemerintah - - 1.938.512 Government bonds
Jumlah dimiliki hingga jatuh tempo - - 2.877.937 Total held-to-maturity

Tagihan atas wesel ekspor - - 932.261 Export bills receivable
Jumlah Rupiah 14.207.341 8.447.796 4.928.542 Total Rupiah
- 64 -
2021 2020 2019

Diukur pada nilai wajar melalui At fair value through profit and loss -
laba rugi trading
Unit reksadana - 69.407 68.234 Mutual funds

Obligasi Pemerintah 14.460 14.261 - Government Bond
Obligasi korporasi 83.868 83.102 - Corporate bonds
Jumlah diukur pada biaya perolehan
diamortisasi 98.328 97.363 - Total at amortized cost

Obligasi Pemerintah - - 161.479 Government Bonds
Jumlah dimiliki hingga jatuh tempo - - 182.230 Total held-to-maturity

Obligasi korporasi 161.908 562.000 - Corporate bond
Obligasi Pemerintah 105.288 - - Government Bonds
Jumlah diukur pada nilai wajar melalui Total at fair value through other
penghasilan komprehensif lain 267.196 562.000 - comprehensive income

Obligasi Pemerintah - - 223.250 Government bonds
Jumlah Tersedia untuk dijual - - 310.574 Total available for sale

Tagihan atas wesel ekspor - - 52.003 Bills receivable
Jumlah-mata uang asing 365.524 728.770 613.041 Total-foreign currencies
Jumlah-pihak ketiga 14.572.865 9.176.566 5.541.583 Total-third parties
Jumlah 14.582.623 9.183.566 5.584.294 Total

Cadangan kerugian penurunan nilai (92) (263) - Allowance for impairment losses
Jumlah - Bersih 14.582.531 9.183.303 5.584.294 Net
b. Efek-efek yang diukur pada biaya b. The details of securities measured at

perolehan diamortisasi pada 31 Desember amortized cost on December 31, 2021 and
2021 dan 2020 dan dimiliki hingga jatuh 2020 and held-to-maturity on December 31,
tempo pada 31 Desember 2019 2019 based on contractual and remaining
berdasarkan jangka waktu dan jatuh tempo maturity as follows:
adalah sebagai berikut:
2021
Lebih dari Lebih dari
Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/
1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturity

Rupiah Rupiah
Obligasi Pemerintah 202.572 1.033 1.881.090 2.084.695 Government bonds
Obligasi korporasi - - 10.363 10.363 Corporate bonds
Jumlah - Rupiah 202.572 1.033 1.891.453 2.095.058 Total - Rupiah

Obligasi Pemerintah - - 14.460 14.460 Government bonds
Tagihan atas wesel ekspor 9.758 - - 9.758 Export bills receivables
Jumlah - mata uang asing 9.758 - 98.328 108.086 Total - foreign currencies
Jumlah 212.330 1.033 1.989.781 2.203.144 Total
Berdasarkan jatuh tempo Based on remaining maturity

Rupiah Rupiah

Tagihan atas wesel ekspor 9.758 - - 9.758 Export bills receivables
Jumlah - mata uang asing 9.758 - 98.328 108.086 Total - foreign currencies
Jumlah 212.330 160.342 1.830.472 2.203.144 Total
- 65 -
2020

Rupiah Rupiah
Obligasi Pemerintah 160.000 1.041 921.048 1.082.089 Government bonds
Obligasi korporasi - 48.500 10.375 58.875 Corporate bonds
Jumlah - Rupiah 160.000 49.541 931.423 1.140.964 Total - Rupiah

Jumlah - mata uang asing - - 97.363 97.363 Total - foreign currencies
Jumlah 160.000 49.541 1.028.786 1.238.327 Total

Rupiah Rupiah
Obligasi Pemerintah 160.000 1.041 921.048 1.082.089 Government bonds
Obligasi korporasi 48.500 - 10.375 58.875 Corporate bonds
Jumlah - Rupiah 208.500 1.041 931.423 1.140.964 Total - Rupiah

Jumlah 208.500 1.041 1.028.786 1.238.327 Total
2019

Rupiah Rupiah
Sertifikat Bank Indonesia 14.504 - - 14.504 Certificate of Bank Indonesia
Obligasi korporasi - 304.460 645.461 949.921 Corporate bonds
Obligasi Pemerintah - 37.824 1.900.688 1.938.512 Government bonds

Jumlah 14.504 342.284 2.728.379 3.085.167 Total

Rupiah Rupiah
Sertifikat Bank Indonesia 14.504 - - 14.504 Certificate of Bank Indonesia
Obligasi korporasi 153.495 260.964 535.462 949.921 Corporate bonds

Obligasi Pemerintah - 13.401 148.078 161.479 Government bonds
Jumlah - mata uang asing - 13.401 168.829 182.230 Total - foreign currencies
Jumlah 197.983 332.538 2.554.646 3.085.167 Total
- 66 -
c. Suku bunga per tahun efek-efek adalah c. Interest rates per annum of securities are as
sebagai berikut: follows:
2021 2020 2019
Rupiah Rupiah
Sertifikat Bank Indonesia - - 7,00 Bank Indonesia Certificate
Obligasi Pemerintah 5,50 - 10,50 5,50 - 9,00 5,63 - 12,80 Government bonds
Obligasi korporasi 4,25 - 11,00 7,40 - 11,30 7,40 - 10,65 Corporate bonds
Tagihan atas wesel ekspor - - 6,10 – 11,00 Export bills receivable
Mata uang asing Foreign currency

Obligasi Pemerintah 1,75 - 7,75 - 3,30 - 6,63 Government bonds
Obligasi korporasi 2,30 - 7,00 6,00 - 7,00 4,13 – 7,75 Corporate bonds
Tagihan atas wesel ekspor 2,75 - 2,30 – 2,75 Export bills receivable
d. Nilai wajar dari obligasi (termasuk obligasi d. The fair values of amortized cost bonds
Pemerintah) yang diukur pada biaya (including Government Bonds) as of
perolehan diamortisasi pada tanggal December 31, 2021 and 2020 amounted to
31 Desember 2021 dan 2020 adalah Rp 2,349,135 and Rp 1,306,776. The fair
masing-masing sebesar Rp 2.349.135 dan values of held to maturity bonds as of
Rp 1.306.776. Nilai wajar dari obligasi yang December 31, 2019, amounted to
dimiliki hingga jatuh tempo pada Rp 3,260,186.
31 Desember 2019 adalah sebesar
Rp 3.260.186.
e. Berikut ini adalah ikhtisar peringkat dan e. The following is an overview of the ratings
pemeringkat efek-efek untuk tujuan and ratings of securities for investment
investasi yang dimiliki Bank pada tanggal purposes owned by the Bank as of
31 Desember 2021, 2020 dan 2019: December 31, 2021, 2020 and 2019:
2021 2020 2019
Penerbit/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/
Issuer Rating Rater Rating Rater Rating Rater
PT Adira Dinamika Multi

Finance Tbk idAAA Pefindo idAAA Pefindo idAAA Pefindo
PT Aneka Gas Industri A-idn Fitch - - - -
PT Astra Sedaya Finance idAAA Pefindo idAAA Pefindo idAAA Pefindo
PT Bank CIMB Niaga Tbk idAAA Pefindo idAAA Pefindo idAAA Pefindo
PT Bank KB Bukopin Tbk AAidn Fitch - - - -
PT Bank Pembangunan Daerah
Jawa Barat dan Banten Tbk idA Pefindo - - - -
PT Barito Pacific Tbk idA Pefindo idA Pefindo idA Pefindo
PT BFI Finance Indonesia Tbk A+idn Fitch A+idn Fitch A+idn Fitch
PT Bussan Auto Finance idAA Pefindo - - - -
PT Chandra Asri Petrochemical Tbk idAA- Pefindo idAA- Pefindo - -
PT Federal International Finance idAAA Pefindo - - - -
PT Hutama Karya (Persero) idA Pefindo - - - -
PT Indofood Sukses Makmur Tbk idAA+ Pefindo idAA+ Pefindo idAA+ Pefindo
PT Indonesia Asahan Aluminium BBB- Standard & Poor's - - - -
PT Indomobil Finance Indonesia idA Pefindo - - idA Pefindo
PT Japfa Comfeed Tbk A+idn Fitch A+idn Fitch - -
PT Mandiri Tunas Finance idAA+ Pefindo - - - -
PT Maybank Indonesia Finance AA+idn Fitch - - - -
PT Mayora Indah Tbk idAA Pefindo IdAA Pefindo - -
PT Merdeka Copper Gold Tbk idA Pefindo - - - -
PT Pembangunan Perumahan (Persero idA Pefindo - - - -
PT Pertamina BBB Standard & Poor's BBB Standard & Poor's - -
PT Perusahaan Listrik Negara idAAA Pefindo idAAA Pefindo idAAA Pefindo
PT Telkom Indonesia (Persero) Tbk idAAA Pefindo idAAA Pefindo - -
PT Wahana Ottomitra Multiartha Tbk AA-idn Fitch - - - -
PT Wijaya Karya Tbk idA Pefindo idA Pefindo - -
Sukuk Ijarah PT Aneka Gas Industri A-idn(sy) Fitch - - - -
Sukuk Ijarah PT Perusahaan
Listrik Negara idAAA(sy) Pefindo idAAA(sy) Pefindo idAAA(sy) Pefindo
Sukuk Mudharabah PT Wijaya
Karya Tbk idA(sy) Pefindo idA Pefindo - -
- 67 -
2021 2020 2019

Penerbit/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/ Peringkat/ Pemeringkat/
Issuer Rating Rater Rating Rater Rating Rater
PT Clipan Finance Indonesia Tbk - - idAA- Pefindo idAA- Pefindo

PT Indah Kiat Pulp & Paper Tbk - - idA+ Pefindo idA+ Pefindo
PT Nusantara Indah Cemerlang - - irAA Kredit Rating Indonesia - -
PT Tower Bersama Tbk - - AA+idn Fitch - -
Sukuk Ijarah PT Indosat Tbk - - idAAA(sy) Pefindo idAAA(sy) Pefindo
Sukuk Mudharabah PT Bank
CIMB Niaga Tbk - - idAAA Pefindo idAAA Pefindo
PT Angkasa Pura (Persero) - - - - idAAA Pefindo
PT Indosat Tbk - - - - idAAA Pefindo
PT Nippon Indosari Corpindo Tbk - - - - idAA- Pefindo
PT Pindo Deli Pulp and Paper Mills - - - - idA Pefindo
PT Rajawali Nusantara Indonesia - - - - idBBB Pefindo
Sukuk Ijarah PT Rajawali
Nusantara Indonesia - - - - idBBB(sy) Pefindo
Sukuk Ijarah PT XL Axiata Tbk - - - - AAAidn Fitch
f. Pada tanggal 31 Desember 2021, 2020 f. As of December 31, 2021, 2020 and 2019,
dan 2019, efek-efek dikelompokkan securities are classified as current.
sebagai lancar.
g. Perubahan cadangan kerugian penurunan g. The changes in allowance for impairment

nilai efek-efek adalah sebagai berikut: losses on securities are as follows:
2021

Saldo awal tahun 263 - - 263 of the year
2020

Dampak penerapan awal PSAK No. 71 4.368 - - 4.368 Impact of PSAK No. 71
Saldo awal PSAK No. 71 4.368 - - 4.368 Balance at the beginning after PSAK No. 71
Pemulihan tahun berjalan (4.105) - - (4.105) Reversal for current year
2019
Mata Uang Asing/
Rupiah/ Foreign Jumlah/
Rupiah Currencies Total

Saldo awal tahun 39.462 - 39.462 of the year
Pemulihan tahun berjalan (39.462) - (39.462) Reversal for current year
Saldo akhir tahun - - - Balance at the end of the year
kerugian untuk penurunan nilai yang impairment losses as of December 31, 2021
dibentuk pada tanggal 31 Desember 2021 and 2020 is enough to cover possible losses
dan 2020 adalah cukup untuk menutup arising.
kemungkinan kerugian yang timbul.
- 68 -
h. Tidak terdapat penghapusan efek-efek h. There are no securities written-off for the
selama tahun-tahun yang berakhir years ended December 31, 2021, 2020 and
31 Desember 2021, 2020 dan 2019. 2019.
i. Selama tahun 2019, Perusahaan i. During 2019, the Company reclassified the
mereklasifikasi efek-efek dimiliki hingga securities held to maturity to available for
jatuh tempo ke tersedia untuk dijual dengan sale with nominal amounting to Rp 287,590.
nominal sebesar Rp 287.590.
8. Efek yang Dibeli dengan Janji Jual Kembali – 8. Securities Purchased under Agreement to
Pihak Ketiga Resell – Third Parties
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019,
2019, efek-efek yang dibeli dengan janji jual securities purchased under agreement to resell
kembali adalah sebagai berikut: are:
2021
Biaya diterima dimuka
Tanggal yang belum direalisasi/
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai nominal/ Unamortized interest Nilai bersih/
Counterparty Type Term Due Date Nominal value received Net Value
Rupiah
BI VR0058 7 hari/days 7 Januari 2022/January 7, 2022 471.817 (275) 471.542

BI FR0070 7 hari/days 6 Januari 2022/January 6, 2022 344.195 (167) 344.028
Jumlah/Total 1.673.712 (725) 1.672.987
2020
Rupiah
BI VR0034 7 hari/days 5 Januari 2021/January 5, 2021 2.294.012 (954) 2.293.058

BI VR0035 7 hari/days 4 Januari 2021/January 4, 2021 2.293.745 (717) 2.293.028
Jumlah/Total 4.587.757 (1.671) 4.586.086
2019
Rupiah
Jumlah/Total 108.681 (16) 108.665
- 69 -
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no

penurunan nilai atas efek yang dibeli dengan impairment in the value of securities purchased
janji jual kembali pada tanggal 31 Desember under agreement to resell as of December 31,
2021, 2020 dan 2019. 2021, 2020 and 2019.
Efek yang dibeli dengan janji jual kembali pada Securities purchased under agreement to resell
tanggal 31 Desember 2021, 2020 dan 2019, as of December 31, 2021, 2020 and 2019, have
telah diselesaikan pada tanggal jatuh tempo. been realized.
9. Kredit yang Diberikan dan 9. Loans and Receivables/Sharia Financing

Piutang/Pembiayaan Syariah
a. Jenis Kredit dan Piutang/Pembiayaan a. By Types of Loans and Receivables/Sharia

Syariah Financing
2021
Tahap 1/ Tahap 2/ Tahap 3/ Syariah/ Jumlah/
Stage 1 Stage 2 Stage 3 Sharia Total

Rupiah Rupiah
Pinjaman karyawan 53.590 - - - 53.590 Loans to employees
Pinjaman tetap 328.081 - - - 328.081 Fixed loans
Pinjaman cicilan 9.854 - - - 9.854 Installment loans
Pinjaman konsumsi 3.337 - - - 3.337 Consumer loans
Jumlah 394.862 - - - 394.862 Total

Jumlah - pihak berelasi 401.988 - - - 401.988 Total - related parties

Rupiah Rupiah
Pinjaman cicilan 3.003.929 1.738.240 631.770 - 5.373.939 Installment loans
Pembiayaan musyarakah - - - 3.726.232 3.726.232 Sharia receivables - musyarakah
Pinjaman tetap 2.304.916 32.984 184.929 - 2.522.829 Fixed loans
Pinjaman konsumsi 1.804.734 80.631 20.490 - 1.905.855 Consumer loans
Pinjaman anjak piutang 1.207.885 - - - 1.207.885 Factoring
Piutang syariah - murabahah - - - 809.950 809.950 Sharia receivables - murabahah
Pembiayaan mudharabah - - - 583.031 583.031 Sharia receivables - mudharabah
Pinjaman rekening koran 269.855 1.438 450 - 271.743 Overdraft
Piutang syariah - qardh - - - 193.650 193.650 Sharia receivables - qardh
Pinjaman karyawan 33.008 198 1.115 - 34.321 Loans to employees
Piutang syariah - ijarah - - - 242 242 Sharia receivables - ijarah
Jumlah 8.624.327 1.853.491 838.754 5.313.105 16.629.677 Total

Pinjaman cicilan 71.262 763.965 - - 835.227 Installment loans
Jumlah 136.146 763.965 - - 900.111 Total
Jumlah - pihak ketiga 8.760.473 2.617.456 838.754 5.313.105 17.529.788 Total - third parties
Jumlah 9.162.461 2.617.456 838.754 5.313.105 17.931.776 Total
Cadangan kerugian penurunan nilai (103.041) (505.853) (622.868) (386.145) (1.617.907) Allowance for impairment losses
Jumlah - bersih 9.059.420 2.111.603 215.886 4.926.960 16.313.869 Net
- 70 -
2020
Stage 1 Stage 2 Stag e 3 Sharia Total

Rupiah Rupiah
Pinjaman karyawan 39.837 - - - 39.837 Loans to employees
Pinjaman rekening koran 5.404 - - - 5.404 Overdraft
Pinjaman cicilan 5.394 - - - 5.394 Installment loans
Piutang syariah - mudharabah - - - 3.183 3.183 Sharia receivable - mudharabah
Pinjaman konsumsi 2.342 - - - 2.342 Consumer loans
Pinjaman anjak piutang 719 - - - 719 Factoring
Jumlah 60.912 - - 3.183 64.095 Total

Jumlah - pihak berelasi 67.937 - - 3.183 71.120 Total - related parties

Rupiah Rupiah
Pinjaman cicilan 4.352.093 2.118.514 897.369 - 7.367.976 Installment loans
Pembiayaan musyarakah - - - 2.987.938 2.987.938 Sharia receivables - musyarakah
Pinjaman tetap 2.621.434 75.522 3.498 - 2.700.454 Fixed loans
Pinjaman konsumsi 1.587.963 530.176 36.112 - 2.154.251 Consumer loans
Pembiayaan mudharabah - - - 1.227.771 1.227.771 Sharia receivables - mudharabah
Pinjaman anjak piutang 1.143.016 - - - 1.143.016 Factoring
Piutang syariah - murabahah - - - 678.633 678.633 Sharia receivables - murabahah
Pinjaman rekening koran 278.670 28.226 13.050 - 319.946 Overdraft
Piutang syariah - ijarah - - - 251.988 251.988 Sharia receivables - ijarah
Pinjaman karyawan 33.957 99 94 - 34.150 Loans to employees
Piutang syariah - qardh - - - 9.868 9.868 Sharia receivables - qardh
Pinjaman investasi 438 499 - - 937 Investment loans
Jumlah 10.017.571 2.753.036 950.123 5.156.198 18.876.928 Total

Pinjaman cicilan 931.486 88.362 - - 1.019.848 Installment loans
Pinjaman tetap 147.739 361.657 - - 509.396 Fixed loans
Jumlah 1.079.225 450.019 - - 1.529.244 Total
Jumlah - pihak ketiga 11.096.796 3.203.055 950.123 5.156.198 20.406.172 Total - third parties
Jumlah 11.164.733 3.203.055 950.123 5.159.381 20.477.292 Total
2019

Rupiah Rupiah
Pinjaman konsumsi 5.464 Consumer loans
Pinjaman karyawan 2.546 Loans to employees
Pinjaman cicilan 2.209 Installment loans
Piutang syariah - mudharabah 457 Sharia receivable - mudharabah
Jumlah 10.676 Total
Jumlah - pihak berelasi 10.676 Total - related parties

Rupiah Rupiah
Pinjaman cicilan 8.444.983 Installment loans
Pinjaman tetap 4.025.413 Fixed loans
Pinjaman konsumsi 3.439.556 Consumer loans
Pembiayaan musyarakah 1.561.378 Sharia receivables - musyarakah
Pinjaman anjak piutang 1.236.478 Factoring
Piutang syariah - murabahah 1.085.950 Sharia receivables - murabahah
Pembiayaan mudharabah 838.867 Sharia receivables - mudharabah
Pinjaman rekening koran 168.333 Overdraft
Piutang syariah - qardh 153.313 Sharia receivables - qardh
Pinjaman karyawan 71.726 Loans to employees
Piutang syariah - ijarah 34.483 Sharia receivables - ijarah

Pinjaman cicilan 798.592 Installment loans
Pinjaman tetap 627.504 Fixed loans
Jumlah - pihak ketiga 22.486.576 Total - third parties
Cadangan kerugian penurunan nilai (1.182.755) Allowance for impairment losses
Jumlah - bersih 21.314.497 Net
- 71 -
2021 2020 2019

Rupiah Rupiah
Pinjaman tetap 328.081 7.216 - Fixed loans
Pinjaman karyawan 53.590 39.837 2.546 Loans to employees
Pinjaman cicilan 9.854 5.394 2.209 Installment loans
Pinjaman konsumsi 3.337 2.342 5.464 Consumer loans
Pinjaman rekening koran - 5.404 - Overdraft
Piutang syariah - mudharabah - 3.183 457 Sharia receivable - mudharabah
Pinjaman anjak piutang - 719 - Factoring
Jumlah 394.862 64.095 10.676 Total

Pinjaman tetap 7.126 7.025 - Fixed loans
Jumlah - pihak berelasi 401.988 71.120 10.676 Total - related parties

Rupiah Rupiah
Pinjaman cicilan 5.373.939 7.367.976 8.444.983 Installment loans
Pembiayaan musyarakah 3.726.232 2.987.938 1.561.378 Sharia receivables - musyarakah
Pinjaman tetap 2.522.829 2.700.454 4.025.413 Fixed loans
Pinjaman konsumsi 1.905.855 2.154.251 3.439.556 Consumer loans
Pinjaman anjak piutang 1.207.885 1.143.016 1.236.478 Factoring
Piutang syariah - murabahah 809.950 678.633 1.085.950 Sharia receivables - murabahah
Pembiayaan mudharabah 583.031 1.227.771 838.867 Sharia receivables - mudharabah
Pinjaman rekening koran 271.743 319.946 168.333 Overdraft
Piutang syariah - qardh 193.650 251.988 153.313 Sharia receivables - qardh
Pinjaman karyawan 34.321 34.150 71.726 Loans to employees
Piutang syariah - ijarah 242 9.868 34.483 Sharia receivables - ijarah
Pinjaman investasi - 937 - Investment loans
Jumlah 16.629.677 18.876.928 21.060.480 Total

Pinjaman tetap 835.227 509.396 627.504 Fixed loans
Pinjaman cicilan 64.884 1.019.848 798.592 Installment loans
Jumlah 900.111 1.529.244 1.426.096 Total
Jumlah - pihak ketiga 17.529.788 20.406.172 22.486.576 Total - third parties
Jumlah 17.931.776 20.477.292 22.497.252 Total
b. Sektor Ekonomi dan Kolektibilitas b. By Economic Sectors and Collectibility

Kredit dan piutang/pembiayaan syariah Loans and receivables/sharia financing
berdasarkan sektor ekonomi dan based on economic sectors and collectability
kolektibilitas adalah sebagai berikut: are as follow:
2021
Jenis Stage 1 Stage 2 Stage 3 Sharia Total Types of Loans
Rupiah Rupiah
Perdagangan besar dan eceran 1.719.129 817.880 390.562 4.125.494 7.053.065 Wholesale and retail
Industri pengolahan 1.471.729 16.376 2.492 3.116 1.493.713 Manufacturing
Rumah tangga 1.755.434 80.945 21.281 622 1.858.282 Household
Pertanian, perburuan dan kehutanan 579.192 53.062 782 821.845 1.454.881 Agriculture, hunting and forestry
Transportasi, pergudangan dan Transportation, warehousing
komunikasi 435.770 877.130 484 15.136 1.328.520 and communication
Real estate, usaha persewaan, dan Real estate, leasing services
jasa perusahaan 135.214 - 195.006 133.377 463.597 and servicing companies
Perantara keuangan 1.696.515 - - 2.766 1.699.281 Financial intermediary
Jasa kemasyarakatan, sosial budaya, Recreation and other
hiburan dan perorangan lainnya 567.573 3.739 749 1.208 573.269 individual services
Pertambangan dan penggalian 3.990 - 190.406 27.868 222.264 Mining and excavation
Listrik, gas dan air 348.744 - - 163 348.907 Electricity, gas and water
Konstruksi 147.490 612 - 1.561 149.663 Construction
Jasa kesehatan dan kegiatan sosial 7.334 - - 150.000 157.334 Health and social services
Penyediaan akomodasi dan penyediaan Accommodation and food and
makan minum 88.525 3.191 36.666 1.098 129.480 beverage
Perikanan 17.140 202 - - 17.342 Fishery
Jasa pendidikan 10.801 - - - 10.801 Education services
Jasa perorangan yang melayani
rumah tangga 1.421 36 - 1.457 Individual household service
Lain-lain 33.188 318 326 28.851 62.683 Others
Jumlah 9.019.189 1.853.491 838.754 5.313.105 17.024.539 Subtotal
- 72 -
2021

jasa perusahaan - 763.965 - - 763.965 and servicing companies
Industri pengolahan 129.778 - - - 129.778 Manufacturing
Rumah tangga 7.126 - - - 7.126 Household
Transportasi, pergudangan, dan Transportation, warehousing
komunikasi 6.368 - - - 6.368 and communication
Jumlah 143.272 763.965 - - 907.237 Subtotal
Jumlah 9.162.461 2.617.456 838.754 5.313.105 17.931.776 Total

2020
Rupiah Rupiah
Perdagangan besar dan eceran 2.002.638 1.110.241 192.606 3.718.393 7.023.878 Wholesale and retail
Industri pengolahan 1.515.951 571.617 3.632 46.522 2.137.722 Manufacturing
Rumah tangga 1.530.124 531.945 35.729 10.786 2.108.584 Household
Pertanian, perburuan dan kehutanan 889.584 111.143 1.646 735.301 1.737.674 Agriculture, hunting and forestry
Komunikasi 1.188.073 54.425 548 10.020 1.253.066 and communication
jasa perusahaan 211.964 210.704 454.159 144.789 1.021.616 and servicing companies
Perantara keuangan 1.699.470 2.295 526 8.853 1.711.144 Financial intermediary
Hiburan dan perorangan lainnya 486.618 58.856 972 1.736 548.182 individual services
Pertambangan dan penggalian 2.998 799 190.284 297.761 491.842 Mining and excavation
Listrik, gas dan air 369.248 161 - 175 369.584 Electricity, gas and water
Konstruksi 101.368 7.400 36.162 23.240 168.170 Construction
Jasa kesehatan dan kegiatan sosial 5.784 2.916 - 150.050 158.750 Health and social services
makan minum 42.398 78.107 29.615 2.050 152.170 beverage
Perikanan 12.367 5.399 63 175 18.004 Fishery
Jasa pendidikan 751 4.111 31 4 4.897 Education services
rumah tangga 308 1.660 - 157 2.125 Individual household service
Lain-lain 18.837 1.259 4.150 9.369 33.615 Others
Jumlah 10.078.481 2.753.038 950.123 5.159.381 18.941.023 Subtotal

Real estat, usaha persewaan, dan Real estate, leasing services
jasa perusahaan 931.486 - - - 931.486 and servicing companies
Industri pengolahan 116.453 424.951 - - 541.404 Manufacturing
Perdagangan besar dan eceran 28.100 25.068 - - 53.168 Wholesale and retail
Rumah tangga 7.025 - - - 7.025 Household
komunikasi 3.186 - - - 3.186 and communication
Jumlah 1.086.250 450.019 - - 1.536.269 Subtotal
Jumlah 11.164.731 3.203.057 950.123 5.159.381 20.477.292 Total

2019
Dalam
Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Jenis Current Mention Substandard Doubful Loss Total Types of Loans
Rupiah Rupiah
Perdagangan besar dan eceran 4.646.484 652.000 6.424 652.806 358.248 6.315.962 Wholesale and retail
Industri pengolahan 2.028.705 3.798 1.954 - 5.097 2.039.554 Manufacturing
Rumah tangga 2.366.626 910.555 46.492 29.292 43.159 3.396.124 Household
Pertanian, perburuan dan kehutanan 1.650.919 2.512 400 15 1.768 1.655.614 Agriculture, hunting and forestry
Komunikasi 1.720.366 916 95 - 13.782 1.735.159 and communication
jasa perusahaan 353.098 755.860 129.429 297.502 40.393 1.576.282 and servicing companies
Perantara keuangan 1.583.504 412.385 3.879 144.676 7.035 2.151.479 Financial intermediary
Hiburan dan perorangan lainnya 531.187 3.480 456 640 843 536.606 individual services
Pertambangan dan penggalian 345.036 199.212 246 2.005 - 546.499 Mining and excavation
Listrik, gas dan air 397.426 12 - - - 397.438 Electricity, gas and water
Konstruksi 209.570 36.627 - 9.789 900 256.886 Construction
Jasa kesehatan dan kegiatan sosial 160.721 442 - - 53 161.216 Health and social services
makan minum 146.620 3.306 358 289 1.639 152.212 beverage
Perikanan 12.729 13.916 75 - 334 27.054 Fishery
Jasa pendidikan 4.654 274 - - - 4.928 Education services
rumah tangga 4.613 102 - - 389 5.104 Individual household service
Lain-lain 112.025 707 98 49 160 113.039 Others
Jumlah 16.274.283 2.996.104 189.906 1.137.063 473.800 21.071.156 Subtotal
- 73 -
2019
Dalam
Perhatian
Khusus/ Kurang
Jenis Current Mention Substandard Doubful Loss Total Types of Loans

jasa perusahaan 656.533 - - - - 656.533 and servicing companies
Industri pengolahan 541.892 - - - - 541.892 Manufacturing
Perdagangan besar dan eceran 192.916 - - - - 192.916 Wholesale and retail
komunikasi 20.801 - - - - 20.801 and communication
Pertambangan dan penggalian 13.954 - - - - 13.954 Mining and excavation
Jumlah 1.426.096 - - - - 1.426.096 Subtotal
Jumlah 17.700.379 2.996.104 189.906 1.137.063 473.800 22.497.252 Total

Cadangan kerugian penurunan nilai (85.386) (286.909) (89.774) (273.899) (446.787) (1.182.755) Allowance for impairment losses
Jumlah - bersih 17.614.993 2.709.195 100.132 863.164 27.013 21.314.497 Net
Kredit dan piutang/pembiayaan syariah Loans and receivables/sharia financing

berdasarkan kolektibilitas: based on collectibility:
2021
Dalam
Perhatian
Khusus/ Kurang
Jenis Current Mention Sub standard Doub tful Loss Total Types of Loans

Rupiah Rupiah
Rumah tangga 53.631 60 - - - 53.691 Household
Perantara keuangan 332.753 - - - - 332.753 Financial intermediary
Real estate, usaha persewaan, dan Real es tate, leasing services
jasa perus ahaan - - - - - - and s ervicing companies
Transportas i, pergudangan, dan Transportation, warehous ing
komunikasi - - - - - - and communication
Indus tri pengolahan - - - - - - Manufacturing
Pertanian, perburuan dan kehutanan - - - - - - Agriculture, hunting and forestry
Lain-lain 3.337 - - - - 3.337 Others
Jumlah 394.802 60 - - - 394.862 Subtotal

Rumah tangga 7.126 - - - - 7.126 Household
Jumlah - pihak berelas i 401.928 60 - - - 401.988 Total - related parties

Rupiah Rupiah
Perdagangan besar dan eceran 5.644.638 1.011.496 9.642 164.431 217.777 7.047.984 Wholesale and retail
Indus tri pengolahan 1.486.716 4.504 595 - 1.898 1.493.713 Manufacturing
Rumah tangga 1.485.536 297.740 9.570 10.801 944 1.804.591 Household
Pertanian, perburuan dan kehutanan 1.451.958 2.141 - 345 437 1.454.881 Agriculture, hunting and forestry
Perantara keuangan 1.366.528 - - - - 1.366.528 Financial intermediary
komunikasi 1.327.573 463 - - 484 1.328.520 and communication
jasa perus ahaan 268.591 - - 195.006 - 463.597 and s ervicing companies
Jasa kemasyarakatan, s osial budaya, Recreation and other
hiburan dan perorangan lainnya 570.194 2.326 140 237 372 573.269 individual s ervices
Pertambangan dan penggalian 22.680 - - - 199.584 222.264 Mining and excavation
Listrik, gas dan air 348.907 - - - - 348.907 Electricity, gas and water
Konstruksi 149.051 612 - - - 149.663 Construction
Jasa kesehatan dan kegiatan sosial 157.334 - - - - 157.334 Health and social services
penyediaan makan minum 90.553 2.042 36.503 - 382 129.480 beverage
Perikanan 17.342 - - - - 17.342 Fishery
Jasa pendidikan 10.801 - - - - 10.801 Education services
Jasa perorangan yang melayani rumah
tangga 1.421 36 - - - 1.457 Individual household service
Lain-lain 56.525 2.418 85 115 203 59.346 Others
Jumlah 14.456.348 1.323.778 56.535 370.935 422.081 16.629.677 Subtotal

jasa perus ahaan - 763.965 - - - 763.965 and s ervicing companies
Indus tri pengolahan 58.515 71.263 - - - 129.778 Manufacturing
Jumlah 64.883 835.228 - - - 900.111 Subtotal
Jumlah - pihak ketiga 14.521.231 2.159.006 56.535 370.935 422.081 17.529.788 Total - third parties
Jumlah 14.923.159 2.159.066 56.535 370.935 422.081 17.931.776 Total

- 74 -
2020
Dalam
Perhatian
Khusus/ Kurang
Jenis Current Mention Substandard Doubtful Loss Total Types of Loans

Rupiah Rupiah
Perantara keuangan 7.434 - - - - 7.434 Financial intermediary
Industri pengolahan 720 - - - - 720 Manufacturing
Pertanian, perburuan dan kehutanan 183 - - - - 183 Agriculture, hunting and forestry
Lain-lain 2.342 - - - - 2.342 Others
Jumlah 64.095 - - - - 64.095 Subtotal

Jumlah - pihak berelasi 71.120 - - - - 71.120 Total - related parties

Rupiah Rupiah
Industri pengolahan 1.623.242 509.772 - - 3.988 2.137.002 Manufacturing
Pertanian, perburuan dan kehutanan 1.729.548 6.297 323 362 961 1.737.491 Agriculture, hunting and forestry
Perantara keuangan 1.695.773 1.926 166 5.506 339 1.703.710 Financial intermediary
komunikasi 1.250.386 670 - - 548 1.251.604 and communication
jasa perusahaan 369.380 195.006 71 - 454.159 1.018.616 and servicing companies
hiburan dan perorangan lainnya 543.795 3.272 258 156 701 548.182 individual services
Pertambangan dan penggalian 301.330 228 - - 190.284 491.842 Mining and excavation
Listrik, gas dan air 369.584 - - - - 369.584 Electricity, gas and water
Konstruksi 129.449 2.559 - - 36.162 168.170 Construction
Jasa kesehatan dan kegiatan sosial 158.555 195 - - - 158.750 Health and social services
penyediaan makan minum 121.587 735 - 28.818 1.030 152.170 beverage
Perikanan 17.766 31 - 69 138 18.004 Fishery
Jasa pendidikan 4.861 5 - 31 - 4.897 Education services
tangga 2.014 - - - 111 2.125 Individual household service
Lain-lain 26.199 924 8 - 4.142 31.273 Others
Jumlah 16.145.942 1.737.607 18.915 218.727 755.737 18.876.928 Subtotal

Industri pengolahan 116.453 424.951 - - - 541.404 Manufacturing
Perdagangan besar dan eceran 28.100 25.068 - - - 53.168 Wholesale and retail
Jumlah 1.079.225 450.019 - - - 1.529.244 Subtotal
Jumlah - pihak ketiga 17.225.167 2.187.626 18.915 218.727 755.737 20.406.172 Total - third parties
Jumlah 17.296.287 2.187.626 18.915 218.727 755.737 20.477.292 Total

- 75 -
2019
Dalam
Perhatian
Khusus/ Kurang

Rupiah Rupiah
Pertanian, perburuan dan kehutanan 457 - - - - 457 Agriculture, hunting and forestry
Lain-lain 5.464 - - - - 5.464 Others
Jumlah - pihak berelasi 10.676 - - - - 10.676 Total - related parties

Rupiah Rupiah
Perantara keuangan 1.583.504 412.385 3.879 144.676 7.035 2.151.479 Financial intermediary
Industri pengolahan 2.028.705 3.798 1.954 - 5.097 2.039.554 Manufacturing
komunikasi 1.720.366 916 95 - 13.782 1.735.159 and communication
Pertanian, perburuan dan kehutanan 1.650.462 2.512 400 15 1.768 1.655.157 Agriculture, hunting and forestry
jasa perusahaan 353.098 755.860 129.429 297.502 40.393 1.576.282 and servicing companies
Pertambangan dan penggalian 345.036 199.212 246 2.005 - 546.499 Mining and excavation
hiburan dan perorangan lainnya 531.187 3.480 456 640 843 536.606 individual services
Listrik, gas dan air 397.426 12 - - - 397.438 Electricity, gas and water
Konstruksi 209.570 36.627 - 9.789 900 256.886 Construction
Jasa kesehatan dan kegiatan sosial 160.721 442 - - 53 161.216 Health and social services
penyediaan makan minum 146.620 3.306 358 289 1.639 152.212 beverage
Perikanan 12.729 13.916 75 - 334 27.054 Fishery
tangga 4.613 102 - - 389 5.104 Individual household service
Jasa pendidikan 4.654 274 - - - 4.928 Education services
Lain-lain 106.561 707 98 49 160 107.575 Others
Jumlah 16.263.607 2.996.104 189.906 1.137.063 473.800 21.060.480 Subtotal

Industri pengolahan 541.892 - - - - 541.892 Manufacturing
Pertambangan dan penggalian 13.954 - - - - 13.954 Mining and excavation
Jumlah 1.426.096 - - - - 1.426.096 Subtotal
Jumlah - pihak ketiga 17.689.703 2.996.104 189.906 1.137.063 473.800 22.486.576 Total - third parties
Jumlah 17.700.379 2.996.104 189.906 1.137.063 473.800 22.497.252 Total

c. Jangka Waktu c. By Maturity
Jangka waktu kredit dan piutang/ The classifications of loans and

pembiayaan syariah diklasifikasikan receivables/sharia financing based on
berdasarkan periode sebagaimana yang contractual maturity, as stated in the
tercantum dalam perjanjian dan waktu yang agreements, and based on remaining
tersisa sampai dengan saat jatuh maturity are as follows:
temponya:
- 76 -
Berdasarkan Periode Perjanjian Kredit: Based on Contractual Maturity:
2021 2020 2019
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 4.130.678 4.451.486 6.721.668 1 year or less
Lebih dari 1 - 2 tahun 2.273.525 3.373.578 2.150.230 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 5.354.647 5.296.419 7.285.113 More than 2 years until 5 years
Lebih dari 5 tahun 5.265.689 5.819.540 4.914.145 More than 5 years
Jumlah 17.024.539 18.941.023 21.071.156 Subtotal

Kurang dari atau sama dengan 1 tahun 59.900 473.209 481.764 1 year or less
Lebih dari 1 - 2 tahun 12.110 40.026 145.740 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 763.965 991.054 725.391 More than 2 years until 5 years
Lebih dari 5 tahun 71.262 31.980 73.201 More than 5 years
Jumlah 907.237 1.536.269 1.426.096 Subtotal
Jumlah 17.931.776 20.477.292 22.497.252 Total
Berdasarkan Sisa Umur Jatuh Tempo: Based on Remaining Period until Maturity:
2021 2020 2019
Rupiah Rupiah
Kurang dari atau sama dengan 1 tahun 6.342.328 9.001.425 9.099.615 1 year or less
Lebih dari 1 - 2 tahun 1.704.205 1.262.920 2.440.685 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 5.916.878 4.238.531 5.735.951 More than 2 years until 5 years
Lebih dari 5 tahun 3.061.128 4.438.147 3.794.905 More than 5 years
Jumlah 17.024.539 18.941.023 21.071.156 Subtotal

Kurang dari atau sama dengan 1 tahun 72.010 516.421 378.680 1 year or less
Lebih dari 1 - 2 tahun - - 248.824 More than 1 year until 2 years
Lebih dari 2 - 5 tahun 763.965 1.019.848 37.736 More than 2 years until 5 years
Lebih dari 5 tahun 71.262 - 760.856 More than 5 years
Jumlah 907.237 1.536.269 1.426.096 Subtotal
Jumlah 17.931.776 20.477.292 22.497.252 Total
d. Suku bunga/timbal hasil per tahun atas d. Interest rates per annum on loans and
kredit diberikan dan piutang/pembiayaan receivables/sharia financing are as follows:
syariah adalah sebagai berikut:
2021 2020 2019

% % %
Rupiah 0,00 - 46,29 0,00 - 59,54 5,00 - 67,08 Rupiah

Dolar Amerika Serikat 0,76 - 12,00 1,25 - 12,00 7,00 - 12,00 United States Dollar
e. Jumlah kredit yang dijamin dengan e. Loans collateralized by cash collateral as of

jaminan tunai pada tanggal 31 Desember December 31, 2021, 2020 and 2019
2021, 2020 dan 2019 masing-masing amounted to Rp 387,055, Rp 550,299 and
sebesar Rp 387.055, Rp 550.299 dan Rp 611,700, respectively (Note 19).
Rp 611.700 (Catatan 19).
- 77 -
f. Saldo kredit channeling pada tanggal f. As of December 31, 2021, 2020 and 2019,
31 Desember 2021, 2020 dan 2019 the outstanding balance of the Company’s
masing-masing adalah sebesar loan channeling amounted to Rp 227,301,
Rp 227.301, Rp 993.083 dan Rp 2.603.809 Rp 993,083 and Rp 2,603,809, respectively,
dimana sebesar Rp 198.448, Rp 993.083 of which Rp 198,448, Rp 993,083 and
dan Rp 2.603.794 dari saldo kredit Rp 2,603,794 were disbursed through
channeling disalurkan melalui pihak related parties (Note 36).
berelasi (Catatan 36).
g. Saldo kredit joint financing pada tanggal g. The balance of the joint financing credit as
31 Desember 2021, 2020 dan 2019 of December 31, 2021, 2020 and 2019 was
masing-masing adalah sebesar Rp 1,485,740, Rp 933,105 and Rp 470,352,
Rp 1.485.740, Rp 933.105 dan Rp 470.352 respectively, of which Rp 1,393,166,
dimana sebesar Rp 1.393.166, Rp 933.105 Rp 933,105, and Rp 470,352 where the
dan Rp 470.352 dari saldo kredit joint credit balance of joint financing is channeled
financing disalurkan melalui Pihak Berelasi through Related Parties (Note 36).
(Catatan 36).
h. Kredit yang diberikan kepada karyawan h. Loans to employees represent distributed

merupakan kredit untuk membeli loans for purchases of cars, houses and
kendaraan, rumah dan keperluan lainnya other necessities with 0%-15% interest rate
yang dibebani bunga 0%-15% untuk kredit for loans with term below 1 year and
dibawah 1 tahun dan 0%-26,40% untuk 0%-26.40% per annum for loan with terms
kredit antara 1 sampai dengan 10 tahun. ranging between 1 to 10 years.
i. Untuk tahun-tahun yang berakhir i. For the years ended December 31, 2021,
31 Desember 2021, 2020 dan 2019, jumlah 2020 and 2019, total restructured loans
kredit yang direstrukturisasi masing-masing amounted to Rp 1,408,067, Rp 1,743,629
sebesar Rp 1.408.067, Rp 1.743.629 dan and Rp 1,888,271, respectively.
Rp 1.888.271.
j. Saldo kredit dan piutang/pembiayaan j. The collectibility classification of loans and

syariah pada tanggal 31 Desember 2021, receivables/sharia financing as of
2020 dan 2019 berdasarkan klasifikasi December 31, 2021, 2020 and 2019 as
kolektibilitas adalah sebagai berikut: follows:
2021
Dalam
Perhatian
Khusus/ Kurang
Rupiah Rupiah
Pihak berelasi (Catatan 36) 394.802 60 - - - 394.862 Related parties (Note 36)
Pihak ketiga 14.456.348 1.323.778 56.535 370.935 422.081 16.629.677 Third parties
Jumlah 14.851.150 1.323.838 56.535 370.935 422.081 17.024.539 Subtotal

Pihak berelasi (Catatan 36) 7.126 - - - - 7.126 Related parties (Note 36)
Pihak ketiga 64.883 835.228 - - - 900.111 Third parties
Jumlah 72.009 835.228 - - - 907.237 Subtotal
Jumlah 14.923.159 2.159.066 56.535 370.935 422.081 17.931.776 Total
- 78 -
2020
Dalam
Perhatian
Khusus/ Kurang
Rupiah Rupiah
Pihak ketiga 16.145.942 1.737.607 18.915 218.727 755.737 18.876.928 Third parties
Jumlah 16.210.037 1.737.607 18.915 218.727 755.737 18.941.023 Subtotal

Pihak ketiga 1.079.225 450.019 - - - 1.529.244 Third parties
Jumlah 1.086.250 450.019 - - - 1.536.269 Subtotal
Jumlah 17.296.287 2.187.626 18.915 218.727 755.737 20.477.292 Total
2019
Dalam
Perhatian
Khusus/ Kurang
Rupiah Rupiah
Pihak ketiga 16.263.607 2.996.104 189.906 1.137.063 473.800 21.060.480 Third parties
Jumlah 16.274.283 2.996.104 189.906 1.137.063 473.800 21.071.156 Subtotal

Pihak ketiga 1.426.096 - - - - 1.426.096 Third parties
Jumlah 17.700.379 2.996.104 189.906 1.137.063 473.800 22.497.252 Total
k. Pada tanggal 31 Desember 2021, 2020 k. The details of non-performing loans

dan 2019, rincian kredit bermasalah as of December 31, 2021, 2020 and 2019,
menurut sektor ekonomi sesuai ketentuan based on economic sectors according to
Bank Indonesia adalah sebagai berikut: Bank Indonesia regulation are as follows:
2021 2020 2019
Rupiah Rupiah
Perdagangan besar dan eceran 391.849 195.222 1.017.478 Wholesale and retail
Pertambangan dan penggalian 199.584 190.284 2.251 Mining and excavation
Real estate, usaha persewaan, dan Real estate, leasing services and
jasa perusahaan 195.006 454.230 467.324 servicing company
Penyediaan akomodasi dan Accomodation and Food
penyediaan makan minum 36.885 29.848 2.286 Beverage
Rumah tangga 21.315 69.826 118.943 Household
Industri pengolahan 2.493 3.988 7.051 Manufacturing
Pertanian, perburuan dan kehutanan 782 1.646 2.183 Agriculture, hunting and forestry
Jasa kemasyarakatan, sosial budaya, Services in social, art, culture,
hiburan, dan perorangan lainnya 749 1.115 1.939 recreation and other individual
Transportasi, pergudangan Transportation, warehousing and
dan komunikasi 484 548 13.877 communication
Konstruksi - 36.162 10.689 Construction
Perantara keuangan - 6.011 155.590 Financial intermediary
Perikanan - 207 409 Fishery
rumah tangga - 111 389 Individual household service
Jasa pendidikan - 31 - Education services
Jasa kesehatan dan kegiatan sosial - - 53 Health and social services
Lain-lain 404 4.150 307 Others
Jumlah 849.551 993.379 1.800.769 Total
l. Pada tanggal 31 Desember 2021, 2020 l. As of December 31, 2021, 2020 and 2019,
dan 2019, kredit non-performing yang telah interest not accrued on non-performing
dihentikan pembebanan bunganya masing- loans amounted to Rp 849,551, Rp 993,379
masing adalah sebesar Rp 849.551, and Rp 1,800,769, respectively.
Rp 993.379 dan Rp 1.800.769.
- 79 -
m. Mutasi cadangan kerugian penurunan nilai m. The changes in allowance for impairment
kredit adalah sebagai berikut: losses on loans are as follows:
2021
Saldo awal 195.599 435.172 622.682 345.466 1.598.919 Beginning balance

Saldo awal kerugian kredit ekspektasian Beginning balance of expected
pada fasilitas kredit yang belum ditarik 33.439 18 20 - 33.477 credit losses on undrawn facilities
Aset keuangan yang baru diperoleh 265.480 226.823 98.499 - 590.802 Recenlty acquired financial assets
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali (255.284) (43.539) (31.274) 18.253 (311.844) and reamesurement
Transfer ke kerugian kredit
ekspektasian 12 bulan Transfer to 12-month expected credit
(Tahap 1) 302.527 (344.750) (8.172) - (50.395) losses (Stage 1)
ekspektasian sepanjang umurnya Transfer to lifetime expected credit
(Tahap 2) (411.005) 665.869 (197.614) - 57.250 losses (Stage 2)
Transfer ke penurunan kredit Transfer to credit impairment
(Tahap 3) (5.103) (433.740) 739.027 - 300.184 losses (Stage 3)
Penerimaan kembali pinjaman
yang telah dihapusbukukan - - 35.952 37.958 73.910 Recovery
Penghapusbukuan selama
tahun berjalan - - (636.203) (15.532) (651.735) Write-off during the year
Selisih kurs (6) - - - (6) Exchange difference rate
Saldo akhir kerugian kredit ekspektasian Expected credit losses on
pada fasilitas kredit yang belum ditarik (22.606) - (49) - (22.655) undistributed credit facilities
Saldo akhir 103.041 505.853 622.868 386.145 1.617.907 Balance at the end of the year
2020
Saldo awal - - - - 1.182.755 Beginning balance

Dampak penerapan awal PSAK No. 71 177.215 375.356 160.841 - 713.411 Impact of PSAK No. 71 implementation
Saldo awal setelah PSAK No. 71 377.056 426.493 876.039 216.578 1.896.166 Beginning balance after PSAK No. 71
Aset keuangan yang baru diperoleh 221.304 2.055 205.203 - 428.562 Recenlty acquired financial assets
Perubahan bersih pada eksposur Net change in exposure
dan pengukuran kembali (63.979) (72.278) 482.323 253.203 599.269 and reamesurement
ekspektasian 12 bulan Transfer to 12-month expected credit
(Tahap 1) 132.030 (299.421) (18.549) - (185.940) losses (Stage 1)
ekspektasian sepanjang umurnya Transfer to lifetime expected credit
(Tahap 2) (436.890) 1.100.565 (339.907) - 323.768 losses (Stage 2)
Transfer ke penurunan kredit Transfer to credit impairment
(Tahap 3) (481) (722.224) 880.212 - 157.507 losses (Stage 3)
Penerimaan kembali pinjaman
yang telah dihapusbukukan - - 49.315 32.363 81.678 Recovery
Penghapusbukuan selama
tahun berjalan - - (1.511.934) (156.678) (1.668.612) Write-off during the year
Selisih kurs (2) - - - (2) Exchange difference rate
Kerugian kredit ekspektasian pada Expected credit losses on
fasilitas kredit yang belum ditarik (33.439) (18) (20) - (33.477) undistributed credit facilities
Saldo akhir 195.599 435.172 622.682 345.466 1.598.919 Balance at the end of the year
2019
Mata Uang
Asing/
Foreign Jumlah/
Rupiah currency Total

Saldo awal of the year
Individual 338.113 - 338.113 Individual
Kolektif 292.258 215 292.473 Collective
Pencadangan (pemulihan) Provision (reversal)
tahun berjalan during the year
Individual 1.742.524 - 1.742.524 Individual
Kolektif 294.626 (104) 294.522 Collective
Penerimaan kembali kredit
hapus buku Recovery
Individual 5.126 - 5.126 Individual
Kolektif 23.102 - 23.102 Collective
Penghapusan (1.513.131) - (1.513.131) Write-off
Selisih kurs penjabaran - 26 26 Exchange rate difference
Saldo akhir 1.182.618 137 1.182.755 Balance at the end of the year
- 80 -
Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses on loans is adequate to
kredit yang diberikan adalah cukup untuk cover the losses which might arise from
menutup kemungkinan kerugian yang akan uncollectible loans.
timbul akibat tidak tertagihnya kredit yang
diberikan tersebut.
n. Mutasi kredit yang dihapus buku selama n. The movement of loans written-off for 2021,
tahun 2021, 2020 dan 2019 adalah sebagai 2020 and 2019 follows:
berikut:
2021 2020 2019
Mata Uang Mata Uang Mata Uang

Asing/ Asing/ Asing/
Foreign Jumlah/ Foreign Jumlah/ Foreign Jumlah/
Rupiah currency Total Rupiah currency Total Rupiah currency Total
Beginning balance at the

Saldo awal tahun 3.923.679 76.861 4.000.540 2.408.513 75.945 2.484.458 1.168.952 78.667 1.247.619 beginning year
Mutasi selama tahun berjalan Movement during the year
Penghapusan 651.735 - 651.735 1.668.612 - 1.668.612 1.513.131 - 1.513.131 Write-off
Penerimaan kembali (73.910) - (73.910) (81.678) - (81.678) (28.228) - (28.228) Recovery
Hapus tagih (48.015) - (48.015) (71.768) - (71.768) (245.342) - (245.342) Deleted notes
Selisih kurs penjabaran - 1.108 1.108 - 916 916 - (2.722) (2.722) Exchange rate difference
Saldo akhir 4.453.489 77.969 4.531.458 3.923.679 76.861 4.000.540 2.408.513 75.945 2.484.458 Balance at the end of the year
o. Jaminan pemberian kredit umumnya o. Loan collaterals are generally in the form of
berupa tanah, bangunan, mesin, land, buildings, machinery, inventories and
persediaan dan deposito berjangka. time deposits.
p. Rasio kredit usaha kecil terhadap jumlah p. The ratios of small business loans to total
kredit yang diberikan pada tanggal loans at December 31, 2021, 2020 and 2019
31 Desember 2021, 2020 dan 2019 adalah are 5.00%, 1.64% and 1.92%, respectively.
masing-masing sebesar 5,00%, 1,64% dan
1,92%.
10. Tagihan dan Liabilitas Akseptasi 10. Acceptance Receivables and Payables
Tagihan Akseptasi Acceptance Receivables
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2021 2020 2019
Rupiah Rupiah
1 bulan atau kurang 1.517 7.508 - 1 month or less
1-3 bulan 34.958 8.427 17.988 1-3 months
3-6 bulan 28.610 74.970 53.332 3-6 months
lebih dari 6 bulan - 119.800 182.686 More than 6 months
Jumlah 65.085 210.705 254.006 Total

1-3 bulan 38.186 41.208 5.193 1-3 months
3-6 bulan 146.540 21.504 122.174 3-6 months
lebih dari 6 bulan - - 3.639 More than 6 months
Jumlah 184.726 62.712 131.006 Total
Jumlah 249.811 273.417 385.012 Total

Cadangan kerugian penurunan nilai (2.646) (119.840) (119.800) Allowance for impaiment losses
Jumlah - bersih 247.165 153.577 265.212 Total - net
- 81 -
b. Berdasarkan sisa umur sampai dengan b. Based on remaining maturity:

saat jatuh tempo:
2021 2020 2019
Rupiah Rupiah
1 bulan atau kurang - 153.968 156.176 1 month or less
1-3 bulan 58.795 23.493 82.983 1-3 months
3-6 bulan 6.290 33.244 14.847 3-6 months
Jumlah 65.085 210.705 254.006 Total

1-3 bulan 177.877 17.628 56.418 1-3 months
3-6 bulan 6.849 4.268 5.362 3-6 months
Jumlah 184.726 62.712 131.006 Total
Jumlah 249.811 273.417 385.012 Total

Cadangan kerugian penurunan nilai (2.646) (119.840) (119.800) Allowance for impaiment losses
Jumlah - bersih 247.165 153.577 265.212 Total - net
c. Kolektibilitas tagihan akseptasi pada c. Collectibility of acceptance receivables as of

tanggal 31 Desember 2021, 2020 dan 2019 December 31, 2021, 2020 and 2019 are
adalah sebagai berikut: follows:
2021 2020 2019
Rupiah Rupiah
Lancar 65.085 31.906 134.206 Current
Dalam perhatian khusus - 58.999 - Special mention
Macet - 119.800 119.800 Loss
Jumlah 65.085 210.705 254.006 Total

Lancar 184.726 35.710 131.006 Current
Dalam perhatian khusus - 27.002 - Special mention
Jumlah 184.726 62.712 131.006 Total
Jumlah 249.811 273.417 385.012 Total
d. Manajemen berpendapat bahwa jumlah d. Management believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses on acceptance
tagihan akseptasi pada tanggal receivables as of December 31, 2021, 2020
31 Desember 2021, 2020 dan 2019 adalah and 2019 is adequate to cover the losses
cukup untuk menutup kemungkinan which might arise from uncollectible
kerugian yang akan timbul akibat tidak acceptance receivables.
tertagihnya tagihan akseptasi tersebut.
e. Perubahan cadangan kerugian penurunan e. The changes in allowance for impairment

nilai tagihan akseptasi adalah sebagai losses on acceptance receivable are as
berikut: follows:
2021

Saldo awal tahun 40 - 119.800 119.840 of the year
Pembentukan tahun berjalan 2.606 - - 2.606 Provision for current year
Penghapusan - - (119.800) (119.800) Write-off
- 82 -
2020

Saldo awal tahun - - 119.800 119.800 of the year
Saldo awal PSAK No. 71 73 - 119.800 119.873 Balance at the beginning after PSAK No. 71
Saldo akhir tahun 40 - 119.800 119.840 Balance at the end of the year
2019
Mata Uang
Asing/
Rupiah/ Foreign Jumlah/
Rupiah Currencies Total

Saldo awal tahun 109.007 - 109.007 of the year
Pembentukan tahun berjalan 10.793 - 10.793 Provision for current year
Saldo akhir tahun 119.800 - 119.800 Balance at the end of the year
Liabilitas Akseptasi Acceptance Payables
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2021 2020 2019
Rupiah Rupiah
1 bulan atau kurang 1.517 7.508 - 1 month or less
1-3 bulan 34.995 8.427 17.988 1-3 months
3-6 bulan 28.681 74.970 53.333 3-6 months
Jumlah 65.193 90.905 134.206 Total

1-3 bulan 38.215 41.208 5.193 1-3 months
3-6 bulan 147.016 21.504 122.174 3-6 months
Jumlah 185.231 62.712 131.006 Total
Jumlah 250.424 153.617 265.212 Total
b. Berdasarkan sisa umur sampai dengan b. Based on remaining maturity:

saat jatuh tempo:
2021 2020 2019
Rupiah Rupiah
1-3 bulan 58.869 23.493 82.983 1-3 months
3-6 bulan 6.324 33.244 14.847 3-6 months
Jumlah 65.193 90.905 134.206 Total

1-3 bulan 178.350 17.628 56.418 1-3 months
3-6 bulan 6.881 4.268 5.362 3-6 months
Jumlah 185.231 62.712 131.006 Total
Jumlah 250.424 153.617 265.212 Total
- 83 -
11. Penyertaan Modal Sementara 11. Temporary Equity Participation
Perusahaan melakukan penyertaan modal The Company entered into a temporary equity
sementara dalam rangka restrukturisasi participation in the framework of financing
pembiayaan pada PT Al Ijarah Indonesia restructuring at PT Al Ijarah Indonesia Finance
Finance (ALIF) sebesar Rp 335.100 yang (ALIF) in the amount of Rp 335,100 which is the
merupakan konversi utang ALIF kepada conversion of ALIF debt to the Company, which
Perusahaan, yang dicantumkan dalam Akta was included in the Temporary Investment Deed
Penyertaan Modal Sementara tanggal of December 27, 2019 from Aulia Taufani S.H.,
27 Desember 2019 dari Aulia Taufani S.H., notary in South Jakarta. This temporary equity
notaris di Jakarta Selatan. Penyertaan modal participation, the Company's ownership in ALIF
sementara ini, kepemilikan Perusahaan pada is 37.12%, as follow:
ALIF adalah sebesar 37,12%, dengan rincian
sebagai berikut:
2021 2020 2019
Nilai nominal - 335.100 335.100 Nominal value

Cadangan kerugian penurunan nilai - (53.695) (16.755) Allowance for impairment losses
Nilai bersih - 281.405 318.345 Net value
Penjualan saham tersebut sebelumnya telah The sale of shares was previously approved in
mendapat persetujuan dalam Rapat Umum the Extraordinary General Meeting of
Luar Biasa Pemegang Saham ALIF pada Shareholders of ALIF on December 27, 2019.
tanggal 27 Desember 2019.
Perusahaan membukukan penyertaan modal The Company booked temporary equity

sementara pada ALIF dengan mengacu pada participation in ALIF by referring to the Financial
Peraturan Otoritas Jasa Keuangan Services Authority Regulation
No. 16/POJK.03/2014 yang telah diubah No. 16/POJK.03/2014 which has been amended
dengan POJK No. 19/POJK.03/2018 tentang by POJK No. 19/POJK.03/2018 concerning
Penilaian Kualitas Aset Bank Umum Syariah Quality Assets of Sharia Commercial Bank
dan Unit Usaha Syariah, dimana bank dapat Assets and Sharia Business Units, where banks
melakukan restrukturisasi pembiayaan dalam can restructure financing in the form of
bentuk penyertaan modal sementara dan temporary equity participation and settle it within
menyelesaikannya dalam waktu 5 tahun. 5 years.
Penyertaan modal sementara pada PT Al Ijarah Temporary investment in PT Al Ijarah Indonesia

Indonesia Finance tersebut akan dilepaskan Finance will be released through sale. The
melalui penjualan. Perusahaan berkeyakinan Company believes that the temporary investment
bahwa penyertaan modal sementara tersebut may be released in the near future.
dapat dilepaskan dalam waktu dekat.
Perusahaan berpendapat bahwa jumlah The Company believes that the allowance for
cadangan kerugian penurunan nilai untuk impairment losses for temporary equity
penyertaan modal sementara pada tanggal participation as of December 31, 2020 and 2019
31 Desember 2020 dan 2019 adalah cukup are sufficient to cover possible losses that might
untuk menutup kemungkinan kerugian yang arise.
akan timbul.
- 84 -
12. Pendapatan yang masih akan diterima 12. Accrued Income
2021 2020 2019
Konvensional Interest from:

Kredit 59.957 89.623 122.290 Loans
Efek-efek 227.922 136.589 78.307 Securities
Penempatan pada bank lain - 98 1.232 Placements with other banks
Jumlah 287.879 226.310 201.829 Total
Syariah Sharia
Piutang syariah 23.595 13.661 13.697 Sharia receivables
Penempatan pada bank lain - - 115 Placements with other banks
Jumlah 27.898 17.458 18.796 Total
Jumlah 315.777 243.768 220.625 Total
13. Biaya Dibayar Dimuka 13. Prepaid Expenses
2021 2020 2019
Asuransi 1.396.300 1.702.047 1.459.152 Insurance

Pemeliharaan perangkat lunak dan keras 74.950 71.166 47.640 Software and hardware maintenance
Promosi dan pengembangan usaha 56.151 79.230 86.102 Promotion and operating development
Renovasi cabang baru 29.115 46.669 65.114 New branches renovation costs
Sewa 19.140 15.656 41.964 Rental
Program kepemilikan kendaraan karyawan 11.789 10.039 13.252 Vehicle ownership program
Lain-lain 14.001 10.780 10.791 Others
Jumlah 1.601.446 1.935.587 1.724.015 Total
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019,
2019, asuransi dibayar dimuka termasuk prepaid insurance includes insurance credit to
asuransi kredit kepada PT Asuransi Simas PT Asuransi Simas Insurtech, a related party
Insurtech, pihak berelasi (Catatan 36) masing- (Note 36) amounted to Rp 1,335,383,
masing sebesar Rp 1.335.383, Rp 1.683.743 Rp 1,683,743 and Rp 1,458,333, respectively
dan Rp 1.458.333, dengan masa manfaat with benefits until November 15, 2025.
sampai dengan 15 November 2025.
14. Aset Tetap 14. Property and Equipment
Aset tetap terdiri dari: Fixed assets consist of the following:
Perubahan selama tahun berjalan/

Changes during the year
1 Januari 2021/ Penambahan/ Pengurangan/ 31 Desember 2021/
January 1, 2021 Additions Deductions December 31, 2021
Kepemilikan langsung: Direct ownership:

Nilai revaluasian: Revalued amount:
Tanah 371.133 - - 371.133 Land
Bangunan 251.549 588 - 252.137 Buildings
Biaya perolehan: At cost:

Inventaris kantor 1.683.310 114.647 (953) 1.797.004 Office equipment
Kendaraan bermotor 22.659 329 (1.880) 21.108 Vehicles
Subtotal 2.328.651 115.564 (2.833) 2.441.382 Subtotal
Aset hak-guna Right-of-use assets

Bangunan 133.007 55.332 (868) 187.471 Buildings
Kendaraan 54.981 38.814 (172) 93.623 Vehicles
Subtotal 187.988 94.146 (1.040) 281.094 Subtotal
Jumlah 2.516.639 209.710 (3.873) 2.722.476 Total
- 85 -

Akumulasi penyusutan Accumulated depreciation

Bangunan 17.289 17.096 - 34.385 Buildings

Inventaris kantor 803.676 150.618 (899) 953.395 Office equipment
Subtotal 845.134 168.202 (2.779) 1.010.557 Subtotal

Bangunan 69.938 66.560 (221) 136.277 Buildings
Kendaraan 17.269 17.641 (133) 34.777 Vehicles
Subtotal 87.207 84.201 (354) 171.054 Subtotal
Jumlah 932.341 252.403 (3.133) 1.181.611 Total
Nilai Tercatat 1.584.298 1.540.865 Net Book Value


Tanah 371.133 - - 371.133 Land
Bangunan 250.750 799 - 251.549 Buildings

Inventaris kantor 1.442.693 241.427 (810) 1.683.310 Office equipment
Subtotal 2.087.726 242.957 (2.032) 2.328.651 Subtotal

Bangunan *) - 133.007 - 133.007 Buildings *)
Kendaraan *) - 54.981 - 54.981 Vehicles*)
Subtotal - 187.988 - 187.988 Subtotal
Jumlah 2.087.726 430.945 (2.032) 2.516.639 Total
Akumulasi penyusutan Accumulated depreciation

Bangunan - 17.289 - 17.289 Buildings

Inventaris kantor 663.787 140.497 (608) 803.676 Office equipment
Subtotal 688.484 158.480 (1.830) 845.134 Subtotal

Bangunan *) - 69.938 - 69.938 Buildings *)
Kendaraan *) - 17.269 - 17.269 Vehicles*)
Subtotal - 87.207 - 87.207 Subtotal
Jumlah 688.484 245.687 (1.830) 932.341 Total
*) Penerapan PSAK No. 73 yang efektif pada 1 Januari 2020 *) Implementation of PSAK No. 73 effective on January 1,
(Catatan 48) 2020 (Note 48)
- 86 -

Estimasi Akumulasi
Penyusutan/
1 Januari 2019/ Penambahan/ Pengurangan/ Estimated Accumulated Surplus Revaluasi/ 31 Desember 2019/
January 1, 2019 Additions Deductions Depreciation Revaluation Surplus December 31, 2019

Tanah 342.693 14.988 - - 13.452 371.133 Land
Bangunan 232.289 10.179 - (64.573) 72.855 250.750 Buildings

Inventaris kantor 1.231.240 214.879 (3.426) - - 1.442.693 Office equipment
Kendaraan bermotor 23.523 150 (523) - - 23.150 Vehicles
Jumlah 1.829.745 240.196 (3.949) (64.573) 86.307 2.087.726 Total
Akumulasi penyusutan Accumulated depreciation:

Bangunan 48.477 16.096 - (64.573) - - Buildings
Biaya perolehan: At cost

Inventaris kantor 545.489 121.295 (2.997) - - 663.787 Office equipment
Kendaraan bermotor 24.035 1.167 (505) - - 24.697 Vehicles
Jumlah 618.001 138.558 (3.502) (64.573) - 688.484 Total
Jumlah beban penyusutan yang dibebankan Depreciation expense charged to profit or loss
pada laba rugi pada tahun 2021, 2020 dan 2019 2021, 2020 and 2019 amounted to Rp 252,403,
masing-masing sebesar Rp 252.403, Rp 245,687 and Rp 138,558, respectively.
Rp 245.687 dan Rp 138.558.
Perusahaan memiliki beberapa bidang tanah The Company owns several parcels of land, with
dengan hak legal berupa Hak Guna Bangunan legal rights in the Form of Proprietary Rights
yang berjangka waktu antara 10 (sepuluh) (Hak Milik) and Building Use Rights (Hak Guna
sampai dengan 30 (tiga puluh) tahun yang jatuh Bangunan or HGB), with terms between
tempo antara tahun 2041 dan 2049. ten (10) to thirty (30) years to mature between
2041 and 2049.
Selama tahun 2021, 2020 dan 2019, In 2021, 2020 and 2019, the Company sold its
Perusahaan menjual aset tetapnya dengan nilai property and equipment with a net book value of
tercatat masing-masing sebesar Rp 15, Rp 68 Rp 15, Rp 68 and Rp 196, for Rp 636, Rp 379
dan Rp 196 pada harga jual masing-masing and Rp 221, respectively. The related gain on
sebesar Rp 636, Rp 379 dan Rp 221. sale of property and equipment is recognized in
Keuntungan bersih penjualan aset tetap Other Operating Revenue (Note 32).
tersebut dibukukan pada akun Pendapatan
Operasional Lainnya (Catatan 32).
Selama tahun 2021, 2020 dan 2019, In 2021, 2020 and 2019, property and equipment
Perusahaan menghapus aset tetap dengan nilai with a net book value of Rp 39, Rp 134 and
tercatat Rp 39, Rp 134 dan Rp 251. Kerugian Rp 251, had been written-off. Losses on the
atas penghapusan aset tetap tersebut write-off of property and equipment is recognized
dibukukan pada akun Beban Operasional in Other Operating Expenses account (Note 33).
Lainnya (Catatan 33).
2019, aset tetap Perusahaan, kecuali tanah, Company's property and equipment, except land,
diasuransikan terhadap risiko kebakaran, are insured against fire, earthquake, riots, theft
gempa bumi, huru-hara, pencurian dan risiko and other risks with PT Asuransi Sinar Mas, a
lainnya pada PT Asuransi Sinar Mas, pihak related party, for Rp 996,485, Rp 1,028,519 and
berelasi, dengan nilai pertanggungan masing- Rp 1,010,664, respectively (Note 36).
masing sebesar Rp 996.485, Rp 1.028.519 dan Management believes that the insurance
Rp 1.010.664 (Catatan 36). Manajemen coverage is adequate to cover possible losses on
berpendapat bahwa nilai pertanggungan the assets insured.
tersebut cukup untuk menutup kemungkinan
kerugian atas aset yang dipertanggungkan.
- 87 -
Pada tanggal 31 Desember 2021, 2020 dan As of December 31, 2021, 2020 and 2019, there
2019, tidak terdapat komitmen kontraktual are no contractual commitments in the
dalam perolehan aset tetap. acquisition of property and equipment.
2019, tidak terdapat perubahan estimasi masa are no changes on the estimated useful life
manfaat dan/atau metode penyusutan aset and/or the method of depreciation of property
tetap. and equipment.
2019, tidak ada aset tetap Perusahaan yang are no property and equipment pledged as
ditempatkan sebagai jaminan. collateral.
Manajemen berpendapat bahwa tidak terdapat Management believes that there is no

penurunan nilai atas aset tetap tersebut pada impairment in value of the aforementioned
tanggal 31 Desember 2021, 2020 dan 2019. assets as of December 31, 2021, 2020 and
2019.
Tanah dan bangunan Perusahaan direvaluasi The Company’s land and buildings were last
berkala, dengan revaluasi terakhir pada tanggal revalued on February 19, 2020 by independent
19 Februari 2020 yang dilakukan oleh valuers. Fair value has been determined as
penilai independen. Penilaian ditentukan described in Note 15. The revaluation surplus net
menggunakan metode sebagaimana dijelaskan of applicable deferred taxes was credited to
pada Catatan 15. Surplus revaluasi setelah “Other equity components” in the statements of
memperhitungkan pajak tangguhan dikreditkan changes in equity.
pada akun “Komponen ekuitas lainnya” dalam
laporan perubahan ekuitas.
Jika tanah dan bangunan dinyatakan pada If land and buildings were stated on the historical
metode biaya, nilai tercatat akan menjadi: cost basis, the amount would be as follows:
2021 2020 2019
Biaya perolehan 594.020 371.264 370.465 Cost

Akumulasi penyusutan (139.398) (89.971) (78.156) Accumulated depreciation
Nilai tercatat 454.622 281.293 292.309 Net book value
Dampak dari penerapan PSAK No. 73 terhadap The impact of application PSAK No. 73 to the
rincian kelas aset pada tahun 2020 adalah details of asset class for year 2020 are as
sebagai berikut: follows:
Saldo awal yang
Saldo awal/ disesuaikan/
Balance Dampak PSAK 73/ Adjusted Penambahan/ Pengurangan/ 31 Desember 2020/
at beginning Impact of PSAK 73 balance Additions Deductions December 31, 2020
Biaya perolehan dan nilai At cost and right-of-use

aset hak guna: assets value:
Bangunan - 84.230 84.230 48.777 - 133.007 Buildings
Kendaraan bermotor - 37.589 37.589 17.392 - 54.981 Vehicles
Jumlah - 121.819 121.819 66.169 - 187.988 Total
Akumulasi penyusutan: Accumulated depreciation:

Bangunan - - - 69.938 - 69.938 Buildings
Kendaraan bermotor - - - 17.269 - 17.269 Vehicles
Jumlah - - - 87.207 - 87.207 Total
Nilai Tercatat - 100.781 Net Book Value
Jumlah pengeluaran kas untuk sewa selama Total cash disbursements for rent during the
tahun yang berakhir pada tanggal 31 Desember year ended December 31, 2021 and 2020
2021 dan 2020 sebesar Rp 79.966 dan amounted to Rp 79,966 and Rp 96,901,
Rp 96.901. respectively.
- 88 -
15. Nilai Wajar Aset Non Keuangan 15. Fair Value of Non – Financial Assets
2021 2020 2019
Pengukuran nilai wajar berulang Recurring fair value measurements

Land and buildings (under property and
Tanah dan bangunan (aset tetap) 621.883 621.883 621.883 equipment)
Pengukuran nilai wajar berulang aset non The fair value measurement for recurring non-
keuangan termasuk dalam Level 2 hirarki nilai financial assets falls within Level 2 of the fair
wajar sebagaimana dijelaskan pada Catatan 2. value hierarchy outlined in Note 2.
Informasi tentang pengukuran nilai wajar yang The information about fair value measurements
menggunakan input signifikan yang tidak dapat using significant unobservable input (Level 2)
diobservasi (Level 2) adalah sebagai berikut: are as follows:
Keterangan/Description Teknik penilaian/Valuation technique
Aset tetap (tanah dan bangunan)/ Metode perbandingan data pasar dengan
Property and equipment (land and penyesuaian faktor yang dianggap relevan/
buildings) Market-comparable approach with
adjustments for relevant factors
Tanah dan bangunan telah dinilai oleh penilai Land and buildings have been revalued by
independen. independent valuers.
Seluruh aset dimanfaatkan pada penggunaan All assets are used based on their highest and
tertinggi dan terbaiknya best use.
Surplus revaluasi tanah dan bangunan dalam Revaluation surplus of land and buildings in
Catatan 14 mencerminkan keuntungan belum Note 14 represent gain recognized in other
direalisasi yang diakui pada penghasilan comprehensive income.
komprehensif lain.
16. Aset Ijarah 16. Ijarah Assets
Akun ini merupakan obyek sewa dari transaksi This account represents objects of the Ijarah
Ijarah Muntahiyah Bittamlik dengan opsi Muntahiyah Bittamlik lease transactions with an
perpindahan hak milik obyek sewa dengan option to transfer the object property being
hibah. leased by the grant.

Pengalihan pada
akhir masa akad/
Transfer to the
1 Januari 2021 Penambahan/ lease at end 31 Desember 2021/
January 1, 2021 Additions of contract December 31, 2021
Biaya perolehan 543.190 79.628 (175.263) 447.555 Cost
Akumulasi pemyusutan 80.038 146.394 (175.263) 51.169 Accumulated depreciation
Nilai tercatat 463.152 (66.766) - 396.386 Net book value
- 89 -

Pengalihan pada
akhir masa akad/
Transfer to the
Nilai tercatat 628.023 (164.871) - 463.152 Net book value

Pengalihan pada
akhir masa akad/
Transfer to the
Nilai tercatat 623.776 4.247 - 628.023 Net book value
17. Aset Lain-lain – Bersih 17. Other Assets – Net
2021 2020 2019
Agunan yang diambil-alih 460.505 874.311 634.527 Foreclosed assets

Uang muka pembelian aset 141.665 111.485 163.836 Advances for purchase of assets
Tagihan sehubungan dengan ATM bersama 45.764 85.858 36.951 Receivables related to ATM bersama
Setoran jaminan 35.573 38.067 37.788 Security deposits
Barang cetakan dan materai 23.438 27.921 30.662 Printing materials and stamp duty
Uang muka renovasi gedung kantor 2.421 2.336 12.469 Advances for building renovation
Tagihan komisi asuransi 2.327 30.693 20.007 Insurance commission receivables
Tagihan sehubungan dengan penyelesaian Claims in connection with the settlement
Bank Indover 808 864 781 of Indover Bank
Tagihan sehubungan dengan jaringan Receivables related to principal network
principal kartu kredit 63 219 351 credit card
Properti terbengkalai - - 89.099 Abandoned properties
Pulsa elektronik - - 15.054 Electronic pulses
Lain-lain 49.222 30.476 57.227 Others
Jumlah 761.786 1.202.230 1.098.752 Subtotal
Cadangan kerugian penurunan nilai Allowance for impairment losses

aset lain-lain (274.364) (269.567) (178.482) other assets
2019, nilai tercatat agunan yang diambil-alih carrying value of foreclosed properties are
adalah sebesar Rp 186.949, Rp 605.608 dan Rp 186,949, Rp 605,608 and Rp 545,925,
Rp 545.925, setelah dikurangi dengan respectively, after allowance for impairment
cadangan kerugian penurunan nilai masing- losses amounting to Rp 273,556, Rp 268,703
masing sebesar Rp 273.556, Rp 268.703 dan and Rp 88,602 respectively.
Rp 88.602.
- 90 -
Berikut adalah rincian agunan yang diambil alih The classification of foreclosed assets and
dan properti terbengkalai berdasarkan abandoned properties subject to Bank Indonesia
kolektibilitasnya sesuai ketentuan Bank regulation is as follows:
Indonesia:
2021 2020 2019
Lancar 85.697 457.457 303.162 Current

Kurang lancar 13.773 18.118 116.529 Substandard
Diragukan 264.467 290.199 303.886 Doubtful
Macet 96.568 108.537 49 Loss
Jumlah 460.505 874.311 723.626 Total
Mutasi cadangan kerugian penurunan nilai aset Movements in allowance for impairment
lain–lain adalah sebagai berikut: losses – other assets are as follows:
2021 2020 2019
Saldo awal 269.567 178.482 38.213 Beginning balance

Pembentukan tahun berjalan 4.853 91.002 140.313 Provision for current year
Selisih kurs penjabaran (56) 83 (44) Foreign exchange differences
Saldo akhir 274.364 269.567 178.482 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the allowance of

cadangan kerugian penurunan nilai untuk aset impairment losses for other assets is adequate to
lain-lain adalah cukup untuk menutup cover possible losses that will arise from these
kemungkinan kerugian yang akan timbul akibat assets.
tidak tertagihnya aset tersebut.
18. Liabilitas Segera 18. Liabilities Immediately Payable
2021 2020 2019
Liabilitas sehubungan dengan jaringan ATM 43.819 74.052 55.240 Payable related to ATM network
Beban akrual 26.600 29.700 12.680 Accrued expenses
Liabilitas administrasi kredit 16.358 22.937 25.153 Loans administration payable
Liabilitas simas poin 13.829 - - Simas poin payable
Transfer checks for collection
Kiriman uang 8.998 14.376 22.522 and clearing
Liabilitas pembayaran online 1.570 3.144 1.687 Online payment payable
Liabilitas jasa produksi - 33.794 - Production service payable
Lain-lain 5.015 15.246 14.468 Others
Jumlah 116.189 193.249 131.750 Total
19. Simpanan 19. Deposits
Simpanan terdiri dari: Deposits consist of the following:
2021 2020 2019
Giro 17.941.034 8.790.759 6.993.896 Demand deposits

Tabungan 10.374.815 9.785.026 8.598.609 Saving
Deposito berjangka 9.645.706 12.188.131 9.059.692 Time deposit
Jumlah 37.961.555 30.763.916 24.652.197 Jumlah
- 91 -
a. Giro terdiri atas: a. Demand deposits consist of:
2021 2020 2019
Konvensional Conventional
Rupiah 3.662.007 1.680.794 1.161.081 Rupiah
Mata uang asing (Catatan 38) 3.502.078 2.075.786 841.188 Foreign currencies (Note 38)
Jumlah 7.164.085 3.756.580 2.002.269 Subtotal

Rupiah 7.592.572 3.507.430 2.817.054 Rupiah
Mata uang asing (Catatan 38) 3.148.922 1.503.507 2.100.644 Foreign currencies (Note 38)
Jumlah 10.741.494 5.010.937 4.917.698 Subtotal
Jumlah 17.905.579 8.767.517 6.919.967 Total
Syariah Sharia
Giro Wadiah Demand deposits - Wadiah
Rupiah 143 28 28 Rupiah
Mata uang asing (Catatan 38) 316 316 251 Foreign currencies (Note 38)
Jumlah 459 344 279 Subtotal

Rupiah 34.681 22.665 73.557 Rupiah
Mata uang asing (Catatan 38) 315 233 93 Foreign currencies (Note 38)
Jumlah 34.996 22.898 73.650 Subtotal
Jumlah 35.455 23.242 73.929 Total
Jumlah 17.941.034 8.790.759 6.993.896 Total
2021 2020 2019

% % %
Interest rates per annum on
Suku bunga giro per tahun demand deposits
Rupiah 0,00 - 6,00 0,00 - 6,00 0,00 - 6,00 Rupiah
Mata uang asing 0,00 - 0,05 0,00 - 1,00 0,00 - 1,00 Foreign currencies
Saldo giro yang diblokir dalam rangka Demand deposits blocked to guarantee
jaminan kredit yang diberikan, bank garansi loans, bank guarantee and letters of credit at
dan letter of credit pada tanggal December 31, 2021, 2020 and 2019
31 Desember 2021, 2020 dan 2019, amounted to nil, nil, and Rp 12,473,
masing-masing adalah sebesar nihil, nihil respectively (Notes 9 and 37).
dan Rp 12.473 (Catatan 9 dan 37).
b. Tabungan terdiri atas: b. Savings deposit consists of:
2021 2020 2019
Rupiah Rupiah
Tabungan Sinarmas 21.110 26.274 28.462 Sinarmas Saving
Tabungan Sinarmas Gold 14.260 14.322 17.432 Sinarmas Gold Saving
Tabungan Sinarmas Diamond 37.805 31.093 19.724 Sinarmas Diamond Saving
Tabunganku 657 477 509 Tabunganku
Jumlah 73.832 72.166 66.127 Subtotal

Tabungan Sinarmas 2.410.842 1.769.803 1.536.931 Sinarmas Saving
Tabungan Sinarmas Gold 5.266.121 5.449.956 4.911.043 Sinarmas gold Saving
Tabungan Sinarmas Diamond 1.622.199 1.694.750 1.350.895 Sinarmas Diamond Saving
Tabunganku 753.339 633.329 595.036 Tabunganku
Jumlah 10.052.501 9.547.838 8.393.905 Subtotal
Jumlah 10.126.333 9.620.004 8.460.032 Total
- 92 -
2021 2020 2019
Syariah Sharia
Rupiah Rupiah
Tabungan Wadiah 271 255 246 Wadiah Saving

Tabungan Wadiah 248.211 164.767 138.331 Wadiah Saving
Jumlah 248.482 165.022 138.577 Total
Jumlah 10.374.815 9.785.026 8.598.609 Total
2021 2020 2019

% % %
Suku bunga tabungan per tahun Interest rates per annum on
saving deposits
Rupiah 0,00 - 5,00 0,00 - 6,00 0,00 - 6,00 Rupiah
Pada tanggal 31 Desember 2021, 2020 Deposit blocked to guarantee loan and the
dan 2019, saldo tabungan yang diblokir bank guarantee as of December 31, 2021,
dalam rangka jaminan kredit yang diberikan 2020 and 2019 amounted to Rp 2,904,
dan bank garansi sebesar Rp 2.904, Rp 3,790 and Rp 3,740, respectively
Rp 3.790 dan Rp 3.740 (Catatan 9). (Note 9).
c. Deposito berjangka terdiri atas: c. Time deposits consist of:
2021 2020 2019
Pihak berelasi (Catatan 36) Related parties (Notes 36)

Rupiah 489.911 1.310.014 1.346.371 Rupiah
Mata uang asing (Catatan 38) 244.332 60.778 276.958 Foreign currencies (Note 38)
Jumlah 734.243 1.370.792 1.623.329 Subtotal

Rupiah 7.842.848 9.648.782 7.044.939 Rupiah
Mata uang asing (Catatan 38) 1.068.615 1.168.557 391.424 Foreign currencies (Note 38)
Jumlah 8.911.463 10.817.339 7.436.363 Subtotal
Jumlah 9.645.706 12.188.131 9.059.692 Total
Klasifikasi deposito berjangka berdasarkan The details of time deposits based on

jangka waktu adalah sebagai berikut: maturities are as follows:
Berdasarkan periode deposito berjangka: Based on contractual maturity:

2021 2020 2019
Pihak berelasi Pihak berelasi Pihak berelasi
(Catatan 36)/ Pihak (Catatan 36)/ Pihak (Catatan 36)/ Pihak
Related ketiga/ Related ketiga/ Related ketiga/
parties Third Jumlah/ parties Third Jumlah/ parties Third Jumlah/
(Note 36) parties Total (Note 36) parties Total (Note 36) parties Total
Rupiah Rupiah
Kurang dari 1 bulan 104.040 135.486 239.526 141.355 672.100 813.455 285.695 95.790 381.485 Less than 1 month
1 bulan 322.625 5.123.261 5.445.886 593.099 6.373.735 6.966.834 977.801 5.110.911 6.088.712 1 month
3 bulan 8.104 1.137.871 1.145.975 79.941 1.650.487 1.730.428 46.713 1.050.796 1.097.509 3 months
6 bulan 17.767 288.473 306.240 457.269 487.380 944.649 9.709 416.117 425.826 6 months
12 bulan 37.343 1.128.642 1.165.985 38.350 465.080 503.430 26.453 371.325 397.778 12 months
Lebih dari 12 bulan 32 29.115 29.147 - - - - - - More than 12 months
Jumlah 489.911 7.842.848 8.332.759 1.310.014 9.648.782 10.958.796 1.346.371 7.044.939 8.391.310 Subtotal

(Catatan 38) (Note 38)
Kurang dari 1 bulan 14.181 3.113 17.294 18.336 68.413 86.749 152.457 128.162 280.619 Less than 1 month
1 bulan 223.025 358.343 581.368 35.347 764.035 799.382 121.625 145.452 267.077 1 month
3 bulan - 148.028 148.028 - 219.576 219.576 2.807 4.856 7.663 3 months
6 bulan - 470.012 470.012 70 20.955 21.025 69 8.624 8.693 6 months
12 bulan 7.126 89.119 96.245 7.025 95.578 102.603 - 104.330 104.330 12 months
Lebih dari 12 bulan - - - - - - - - - More than 12 months
Jumlah 244.332 1.068.615 1.312.947 60.778 1.168.557 1.229.335 276.958 391.424 668.382 Subtotal
Jumlah 734.243 8.911.463 9.645.706 1.370.792 10.817.339 12.188.131 1.623.329 7.436.363 9.059.692 Total
- 93 -
Berdasarkan sisa umur sampai dengan Based on remaining maturity:

saat jatuh tempo:
2021 2020 2019
Rupiah Rupiah
1 bulan atau kurang 453.550 5.638.464 6.092.014 755.318 7.616.680 8.371.998 1.286.497 5.772.289 7.058.786 1 month or less
1 - 3 bulan 9.851 1.018.856 1.028.707 521.711 1.377.663 1.899.374 27.921 834.477 862.398 1 - 3 months
3 - 6 bulan 1.025 236.492 237.517 5.500 367.105 372.605 6.500 260.203 266.703 3 - 6 months
6 - 12 bulan 25.453 931.262 956.715 27.485 287.334 314.819 25.453 177.970 203.423 6 months or more
12 bulan atau lebih 32 17.774 17.806 - - - - - - 6 months or more
Jumlah 489.911 7.842.848 8.332.759 1.310.014 9.648.782 10.958.796 1.346.371 7.044.939 8.391.310 Subtotal

(Catatan 38) (Note 38)
1 bulan atau kurang 237.206 708.816 946.022 53.682 953.737 1.007.419 276.858 274.606 551.464 1 month or less
1 - 3 bulan - 263.520 263.520 71 112.164 112.235 100 5.002 5.102 1 - 3 months
3 - 6 bulan - 10.245 10.245 - 10.008 10.008 - 10.409 10.409 3 - 6 months
6 - 12 bulan 7.126 86.034 93.160 - - - - 101.407 101.407 6 months or more
12 bulan atau lebih - - - 7.025 92.648 99.673 - - - 6 months or more
Jumlah 244.332 1.068.615 1.312.947 60.778 1.168.557 1.229.335 276.958 391.424 668.382 Subtotal
Jumlah 734.243 8.911.463 9.645.706 1.370.792 10.817.339 12.188.131 1.623.329 7.436.363 9.059.692 Total
2021 2020 2019

% % %
Interest rates per annum on
Suku bunga deposito per tahun time deposits
Rupiah 0,50 - 6,50 0,00 - 7,50 0,00 - 8,00 Rupiah
Mata uang asing 0,00 - 1,75 0,00 - 2,25 0,00 - 1,50 Foreign currencies
Saldo deposito berjangka yang diblokir Total time deposits which are blocked to
dalam rangka jaminan kredit yang guarantee loans, bank guarantee and letters
diberikan, bank garansi dan letters of credit of credit as of December 31, 2021, 2020 and
pada tanggal 31 Desember 2021, 2020 dan 2019, amounted to Rp 1,286,553,
2019, masing-masing adalah sebesar Rp 459,443 and Rp 356,884, respectively
Rp 1.286.553, Rp 459.443 Rp 356.884 (Notes 9 and 37).
(Catatan 9 dan 37).
20. Simpanan dari Bank Lain 20. Deposits from Other Banks
2021 2020 2019
Giro 79.243 58.198 28.160 Demand deposits

Deposito berjangka - 3.000 - Time deposits
Call money - - 772.099 Call money
Jumlah 79.243 61.198 800.259 Total
a. Giro terdiri dari: a. Demand deposits consist of:
2021 2020 2019
Mata uang asing (Catatan 38) - - 8.334 Foreign currencies (Note 38)
Rupiah 35.335 12.996 19.822 Rupiah
Mata uang asing (Catatan 38) 43.881 44.589 - Foreign currencies (Note 38)
Jumlah 79.216 57.585 19.822 Total
Jumlah 79.216 57.585 28.156 Total
Syariah Sharia
Rupiah Rupiah
Wadiah 27 613 4 Wadiah
Jumlah 79.243 58.198 28.160 Total
- 94 -
2021 2020 2019

% % %
Suku bunga per tahun Interest rate per anum

Rupiah 0,00 - 3,00 0,00 - 3,00 0,00 - 3,00 Rupiah
Mata uang asing 0,00 - 0,01 - - Foreign currencies
b. Deposito berjangka merupakan deposito b. Time deposits are deposits in Rupiah placed
berjangka yang ditempatkan oleh pihak by third parties.
ketiga dalam Rupiah.
Klasifikasi deposito berjangka berdasarkan The details of time deposits based on

jangka waktu adalah sebagai berikut: maturities are as follows:
Berdasarkan periode deposito berjangka Based on contractual maturity:
2021 2020 2019
1 bulan - 200 - 1 month

6 bulan - 600 - 6 month
12 bulan - 2.200 - 12 month
Jumlah - 3.000 - Total

saat jatuh tempo:
2021 2020 2019
1 bulan atau kurang - 200 - 1 month or less

1-3 bulan - 600 - 1-3 months
3-6 bulan - 2.200 - 3-6 months
Jumlah - 3.000 - Total
Suku bunga per tahun: Interest rate per annum:
2021 2020 2019

% % %
1 bulan - 5,25 - 1 month

6 bulan - 5,25 - 6 months
12 bulan - 5,25 - 12 months
c. Call Money terdiri dari : c. Call Money consists of :
2021 2020 2019

Pihak berelasi (Catatan 36) Related parties (Notes 36)
Mata uang asing (Catatan 38) - - 18.099 Foreign currencies (Note 38)
Pihak ketiga (kurang dari 1 bulan) Third parties (less than 1 month)
Rupiah - - 754.000 Rupiah
Jumlah - - 772.099 Total
- 95 -
21. Efek-efek yang Dijual dengan Janji beli 21. Securities Sold under Agreement to
Kembali – Pihak Ketiga Repurchased – Third Parties
Pada tanggal 31 Desember 2020 and 2019, As of December 31, 2020 and 2019, securities
efek-efek yang dijual dengan janji beli kembali sold under agreement to repurchased are:
adalah sebagai berikut:
2020
Tanggal
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai bersih/
Counterparty Type Term Due Date Net value
Rupiah
BI PBS015 7 hari/days 6 Januari 2021/January 6, 2021 109.208
BI FR076 7 hari/days 6 Januari 2021/January 6, 2021 50.587
Jumlah/Total 784.894
Mata uang asing (Catatan 38)/Foreign currency (Note 38)

Bank Maybank FR085 187 hari/days 19 Januari 2021/January 19, 2021 258.019
Jumlah/Total 1.042.913
2019
Tanggal
Pihak Lawan/ Jenis/ Jangka waktu/ jatuh tempo/ Nilai bersih/
Counterparty Type Term Due Date Net value
Rupiah
BI FR 043 7 hari/days 7 Januari 2020/January 7, 2020 32.709
Jumlah/Total 236.699
- 96 -
22. Utang Pajak 22. Taxes Payable
Utang pajak terdiri dari: Taxes payable consists of:
2021 2020 2019
Pajak kini (Catatan 34) 3.989 25.883 10.840 Current tax (Note 34)
Pajak penghasilan Income tax
Pasal 4 16.126 26.764 17.776 Article 4
Pasal 23 dan 26 1.278 548 1.033 Articles 23 and 26
Pasal 25 410 - 49 Article 25
Pasal 21 4.094 17.164 7.588 Article 21
Jumlah pajak penghasilan 25.897 70.359 37.286 Total income tax
Pajak Pertambahan Nilai 3.848 723 1.142 Value Added Tax
Jumlah 29.745 71.082 38.428 Total
23. Beban yang masih harus dibayar 23. Accrued Expenses
Beban yang masih harus dibayar merupakan Accrued expenses consist of interest and profit
beban akrual bunga dan bagi hasil sebagai sharing payables of :
berikut:
2021 2020 2019

Rupiah Rupiah
Deposito 408 3.234 2.648 Time deposits
Giro 455 251 151 Demand deposits
Tabungan 12 34 25 Savings deposits
Jumlah 875 3.519 2.824 Subtotal

Deposito 4 19 43 Time deposits
Jumlah pihak berelasi 885 3.553 2.876 Total related parties

Rupiah Rupiah
Deposito 18.813 33.000 24.304 Time deposits
Tabungan 1.587 2.545 888 Savings deposits
Jumlah 21.765 36.721 27.774 Subtotal

Deposito 437 867 95 Time deposits
Jumlah pihak ketiga 22.209 37.630 27.899 Total third parties
Jumlah 23.094 41.183 30.775 Total
- 97 -
24. Liabilitas Lain-lain 24. Other Liabilities

2021 2020 2019
Liabilitas sewa *) 99.004 74.580 - Lease liabilities *)

Setoran jaminan 42.280 47.441 52.191 Margin deposits
Deposit for foreclosed
Setoran penyelesaian AYDA 34.376 10 3.042 assets settlement
Setoran penyelesaian hapus Deposit for write-off
buku 32.800 - - settlement
Kewajiban penyaluran subsidi dari Obligation to distribute subsidies
Pemerintah 24.749 - - from the Government
Estimasi kerugian komitmen Estimated losses on commitment and
dan kontinjensi **) 24.233 33.716 - contingencies **)
Pendapatan diterima dimuka 20.727 28.296 26.583 Prepaid revenue
Liabilitas terkait asuransi kredit 20.388 10.338 - Liability related to insurance credit
Pendapatan yang ditangguhkan 6.048 1.900 1.157 Deferred income
Dana kebajikan 876 196 5.957 Benevolence funds
Liabilitas derivatif 19 169 - Derivatives liabilities
Lain-lain 6.079 4.829 5.360 Others
Jumlah 311.579 201.475 94.290 Total
*) Dampak dari penerapan PSAK No. 73 *) Impact of implementation of PSAK No. 73

yang mulai berlaku tanggal 1 Januari 2020 starting on January 1, 2020
**) Dampak dari penerapan PSAK No. 71 **) Impact of implementation of PSAK No. 71
yang mulai berlaku tanggal 1 Januari 2020 starting on January 1, 2020
Perubahan estimasi kerugian komitmen dan The changes in estimated losses on commitment
kontinjensi adalah sebagai berikut: and contingencies are as follows:
2021

Saldo awal tahun 33.678 18 20 33.716 of the year
Pembentukan tahun berjalan - - 29 29 Provision for current year
Pemulihan tahun berjalan (9.494) (18) - (9.512) Recoverable for current year
Saldo akhir tahun 24.184 - 49 24.233 Balance at the end of the year
2020

Dampak penerapan awal PSAK No. 71 25.354 - - 25.354 Impact of PSAK No. 71
Saldo awal PSAK No. 71 25.354 - - 25.354 Balance at the beginning after PSAK No. 71
Pembentukan tahun berjalan 8.324 18 20 8.362 Provision for current year
Saldo akhir tahun 33.678 18 20 33.716 Balance at the end of the year
25. Dana Syirkah Temporer 25. Temporary Syirkah Funds
Akun ini merupakan investasi tidak terikat dalam This account represents unrestricted investment
bentuk giro mudharabah, tabungan in the form of mudharabah demand deposit,
mudharabah, deposito berjangka Mudharabah mudharabah saving deposits, mudharabah time
dan sertifikat investasi mudharabah antarbank. deposits and mudharabah interbank Investment
certificate.
a. Simpanan a. Deposits
2021 2020 2019
Giro mudharabah 1.189.574 456.031 324.290 Mudharabah demand deposits

Tabungan mudharabah 1.267.324 605.869 425.016 Mudharabah saving deposits
Deposito berjangka mudharabah 4.050.465 4.930.739 2.818.354 Mudharabah time deposit
Jumlah 6.507.363 5.992.639 3.567.660 Total
- 98 -
Giro mudharabah terdiri atas: Mudharabah demand deposits consist of:
2021 2020 2019
Rupiah Rupiah
Pihak berelasi (Catatan 36) 150.463 7.828 5.989 Related parties (Note 36)
Pihak ketiga 1.039.111 448.203 318.301 Third parties
Jumlah 1.189.574 456.031 324.290 Total
2021 2020 2019
Tingkat nisbah per tahun Ration level per annum

Rupiah 0,00 - 4,00 0,00 - 5,75 0,00 - 6,00 Rupiah
Pada tanggal 31 Desember 2021, 2020 No Mudharabah demand deposits blocked

dan 2019, tidak ada saldo giro mudharabah to guarantee the sharia receivables and
yang diblokir dalam rangka jaminan piutang sharia financing as of December 31, 2021,
dan pembiayaan syariah. 2020 and 2019.
Tabungan mudharabah terdiri atas: Mudharabah saving deposits consist of:
2021 2020 2019
Rupiah Rupiah
Pihak berelasi (Catatan 36) 524.172 637 510 Related parties (Note 36)
Jumlah 1.267.324 605.869 425.016 Total
2021 2020 2019
Tingkat nisbah per tahun Ratio level per annum

Rupiah 0,00 - 4,75 0,00 - 4,75 0,00 - 4,75 Rupiah
Pada tanggal 31 Desember 2021, 2020 No mudharabah saving deposits are blocked
dan 2019, tidak ada saldo tabungan to guarantee the sharia receivables and
mudharabah yang diblokir dalam rangka sharia financing as of December 31, 2021,
jaminan piutang dan pembiayaan syariah. 2020 and 2019.
Deposito berjangka mudharabah terdiri Mudharabah time deposits consist of:

atas:
2021 2020 2019
Pihak berelasi (Catatan 36) Related Parties (Notes 36)

Rupiah 334.107 709.888 234.265 Rupiah
Jumlah 335.176 710.942 234.265 Subtotal

Rupiah 3.714.223 4.217.234 2.584.089 Rupiah
Jumlah 3.715.289 4.219.797 2.584.089 Subtotal
Jumlah 4.050.465 4.930.739 2.818.354 Total
Klasifikasi deposito berjangka mudharabah The details of mudharabah time deposits

berdasarkan jangka waktu adalah sebagai based on maturities are as follows:
berikut:
- 99 -
Berdasarkan periode deposito berjangka: Based on contractual maturity:

2021 2020 2019
Rupiah Rupiah
Kurang dari 1 bulan - - - 224.000 393.200 617.200 180.000 1.281.155 1.461.155 Less than 1 month
1 bulan 334.075 2.492.692 2.826.767 482.059 1.810.041 2.292.100 53.208 400.698 453.906 1 month
3 bulan 32 484.863 484.895 3.829 1.355.316 1.359.145 1.042 339.185 340.227 3 months
6 bulan - 259.675 259.675 - 258.569 258.569 - 100.607 100.607 6 months
12 bulan - 476.993 476.993 - 400.108 400.108 15 462.444 462.459 12 months
Jumlah 334.107 3.714.223 4.048.330 709.888 4.217.234 4.927.122 234.265 2.584.089 2.818.354 Subtotal

Kurang dari 1 bulan - - - - - - - - - Less than 1 month
1 bulan 1.069 456 1.525 1.054 631 1.685 - - - 1 month
3 bulan - - - - - - - - - 3 months
6 bulan - - - - 1.932 1.932 - - - 6 months
12 bulan - 610 610 - - - - - - 12 months
Jumlah 1.069 1.066 2.135 1.054 2.563 3.617 - - - Subtotal
Jumlah 335.176 3.715.289 4.050.465 710.942 4.219.797 4.930.739 234.265 2.584.089 2.818.354 Total

saat jatuh tempo:
2021 2020 2019
Rupiah Rupiah
1 bulan atau kurang 334.075 2.716.549 3.050.624 709.676 2.431.651 3.141.327 234.218 1.892.605 2.126.823 1 month or less
1 - 3 bulan 32 466.625 466.657 212 1.239.611 1.239.823 32 179.357 179.389 1 - 3 months
3 - 6 bulan 407.821 407.821 - 199.606 199.606 - 61.237 61.237 3 - 6 months
6 - 12 bulan 123.228 123.228 - 346.366 346.366 15 450.890 450.905 6 - 12 months
Jumlah 334.107 3.714.223 4.048.330 709.888 4.217.234 4.927.122 234.265 2.584.089 2.818.354 Subtotal

1 bulan atau kurang 1.069 456 1.525 1.054 631 1.685 - - - 1 month or less
1 - 3 bulan - - - - - - - - - 1 - 3 months
3 - 6 bulan - 569 569 - 1.932 1.932 - - - 3 - 6 months
6 - 12 bulan - 41 41 - - - - - - 6 - 12 months
Jumlah 1.069 1.066 2.135 1.054 2.563 3.617 - - - Subtotal
Jumlah 335.176 3.715.289 4.050.465 710.942 4.219.797 4.930.739 234.265 2.584.089 2.818.354 Total
2021 2020 2019
Tingkat nisbah per tahun Ratio level per annum

Rupiah 2,00 - 6,50 2,50 - 8,00 2,25 - 8,00 Rupiah
USD 1,15 - 1,73 1,44 - 3,83 - USD
Saldo deposito berjangka mudharabah Total mudharabah time deposits which are
yang diblokir dalam rangka jaminan piutang blocked to guarantee sharia receivables and
dan pembiayaan syariah pada tanggal financing as of December 31, 2021, 2020
31 Desember 2021, 2020 dan 2019, and 2019, amounted to Rp 3,459,
masing-masing adalah sebesar Rp 3.459, Rp 279,960 and Rp 577,090, respectively
Rp 279.960 dan Rp 577.090 (Catatan 9). (Note 9).
b. Simpanan dari Bank Lain b. Deposits from Other Banks
2021 2020 2019
Rupiah Rupiah
Giro mudharabah 5.533 4.641 6.514 Mudharabah demand deposits
Sertifikat investasi mudharabah Certificate of sharia interbank
antar bank syariah - - 525.000 mudharabah investment
Jumlah 5.533 4.641 531.514 Total
- 100 -
2021 2020 2019
Tingkat bagi hasil rata-rata per tahun Revenue sharing per annum
Rupiah 0,75 0,02 0,00 - 0,03 Rupiah
Pada tanggal 31 Desember 2019, sertifikat As of December 31, 2019, certificate of

investasi mudharabah antar bank syariah sharia interbank mudharabah investment is
ditempatkan oleh pihak ketiga dalam placed by third parties in Rupiah for a period
Rupiah dengan jangka waktu kurang dari of less than 1 month with the profit sharing
1 bulan dengan bagi hasil per tahun of 0.00% - 4.95% per annum.
sebesar 0,00% - 4,95%.
26. Modal Saham dan Tambahan Modal Disetor 26. Capital Stock and Additional Paid-in Capital
Susunan pemegang saham Perusahaan pada The details of the Company’s capital stock and
tanggal 31 Desember 2021, 2020 dan 2019 stockholders as of December 31, 2021, 2020
sebagai berikut: and 2019 are as follows:
2021
Jumlah Lembar Persentase Jumlah
Saham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-up
Pemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 10.150.092.040 58,13% 1.015.009 PT Sinar Mas Multiartha Tbk
PT Shinta Utama 610.844.074 3,50% 61.084 PT Shinta Utama
Masyarakat 6.700.867.192 38,37% 670.087 Public
Jumlah 17.461.803.306 100,00% 1.746.180 Total
2020
% Rp
Tjendrawati Widjaja, Tjendrawati Widjaja,
Komisaris Utama 458.300 0,00% 46 President Commissioner
Halim, Direktur 609.146 0,00% 61 Halim, Director
Jumlah 17.461.803.306 100,00% 1.746.180 Total
2019
% Rp
PT Sinar Mas Multiartha Tbk 10.150.092.040 59,77 1.015.009 PT Sinar Mas Multiartha Tbk
PT Shinta Utama 499.109.806 2,94 49.911 PT Shinta Utama
Tjendrawati Widjaja, Tjendrawati Widjaja,
Komisaris Utama 458.300 0,00 46 President Commissioner
Halim, Direktur 609.146 0,00 61 Halim, Director
Masyarakat 6.331.533.914 37,29 633.153 Public
Jumlah 16.981.803.206 100,00 1.698.180 Total
- 101 -
PT Shinta Utama dan PT Sinar Mas PT Shinta Utama and PT Sinar Mas
Multiartha, Tbk telah menandatangani dan Multiartha, Tbk signed and conveyed letters of
menyampaikan surat pernyataan kesanggupan statement on the recognition of the Company’s
untuk memenuhi persyaratan yang ditetapkan liabilities as required in the Company’s
dalam keikutsertaan Perusahaan dalam participation in the Government guarantee
program penjaminan Pemerintah. program.
Selama tahun 2021, terdapat peningkatan During 2021, the Company's paid-in capital was
modal disetor Perusahaan sebesar increased amounting to Rp 1,408,975 due to
Rp 1.408.975 disebabkan oleh eksekusi Waran execution of Series III Warrants amounting to
Seri III sebesar 225.436 (Catatan 27). 225,436 (Note 27). The company has received a
Perusahaan telah menerima surat dari OJK letter from OJK No. S-16/PB.331/2022, date
No. S-16/PB.331/2022, tanggal 11 Februari February 11, 2022 related to the recording of the
2022 terkait pencatatan Waran Seri III tersebut Series III Warrants in the OJK supervising
dalam administrasi pengawasan OJK administration (Note 50) thus the composition of
(Catatan 50) sehingga susunan pemegang the Company's shareholders after obtaining the
saham Perusahaan setelah memperoleh surat letter as follows:
tersebut menjadi sebagai berikut:

% Rp
Halim, Direktur 612.146 0,00% 61 Halim, Director
Jumlah 19.716.162.403 100,00% 1.971.616 Total
Perubahan lembar saham untuk tahun-tahun The changes in number of outstanding shares for
yang berakhir 31 Desember 2021, 2020 dan the years ended December 31, 2021, 2020 and
2019, adalah sebagai berikut: 2019, are as follows:
Jumlah
Saham/
Number of
shares issued
Jumlah saham pada tanggal 1 Januari 2019 15.381.803.206 Balance of shares as of January 1, 2019
Penambahan modal disetor melalui Additional issuance from the

konversi Waran Seri III (Catatan 27) 1.600.000.000 conversion of Series III Warrants (Note 27)
Jumlah saham pada tanggal 31 Desember 2019 16.981.803.206 Balance of shares as of December 31, 2019
Penambahan modal disetor melalui Additional issuance from the

konversi Waran Seri III (Catatan 27) 480.000.100 conversion of Series III Warrants (Note 27)
Jumlah saham pada tanggal 31 Desember 2020 Balance of shares as of December 31, 2020
dan 2021 (Catatan 50) 17.461.803.306 and 2021 (Note 50)
- 102 -
Perubahan tambahan modal disetor sampai The movements in additional paid-in capital until
dengan tanggal 31 Desember 2021, 2020 dan December 31, 2021, 2020 and 2019 follows:
2019:
2021 2020 2019
Penawaran Umum Perdana tahun 2010 80.000 80.000 80.000 Initial Public Offering in 2010
Biaya emisi saham tahun 2010 (4.678) (4.678) (4.678) Shares issuance cost in 2010
Konversi Waran Seri I tahun 2011 89.918 89.918 89.918 Conversion of Series I Warrants in 2011
Konversi Waran Seri I tahun 2012 90 90 90 Conversion of Series I Warrants in 2012
Penawaran Umum Terbatas I tahun 2012 180.478 180.478 180.478 Limited Public Offering I in 2012
Konversi Waran Seri II tahun 2013 423.821 423.821 423.821 Conversion of Series II Warrants in 2013
Konversi Waran Seri II tahun 2014 1.151 1.151 1.151 Conversion of Series II Warrants in 2014
Peningkatan modal tanpa Hak Additional issuance through right issue
Memesan Efek Terlebih without pre-emptive rights to the
Dahulu (HMETD) 152.411 152.411 152.411 existing shareholders
Biaya emisi saham tahun 2014 (227) (227) (227) Shares issuance cost in 2014
Konversi Waran Seri I 4.397 4.397 4.397 Conversion of Series I Warrants
Konversi Waran Seri II 3.313 3.313 3.313 Conversion of Series II Warrants
Penawaran Umum Terbatas II tahun 2016 326.782 326.782 326.782 Limited Public Offering I in 2016
Selisih antara aset dan liabiltas Difference netween tax amnesty
pengampunan pajak 5.234 5.234 5.234 assets and liabilities
Konversi Waran Seri III 880 880 880 Conversion of Series III Warrants
Konversi Waran Seri III tahun 2019 840.000 840.000 840.000 Conversion of Series III Warrants in 2019
Konversi Waran Seri III tahun 2020 252.000 252.000 - Conversion of Series III Warrants in 2020
Jumlah tambahan modal disetor Total additional paid-in capital as of
pada tanggal 31 Desember 2021 2.368.655 2.368.655 2.116.655 December 31, 2021
Manajemen Permodalan Capital Management
Tujuan utama dari pengelolaan modal The primary objective of the Company’s capital
Perusahaan adalah untuk memastikan bahwa management is to ensure that it maintains healthy
Perusahaan mempertahankan rasio modal yang capital ratios in order to support its business and
sehat dalam rangka mendukung bisnis dan maximize shareholder value. The Company is
memaksimalkan nilai pemegang saham. required by OJK to meet Capital Adequacy Ratio
Perusahaan wajib untuk memenuhi rasio (CAR).
Kewajiban Penyediaan Modal Minimum
(KPMM) sebagaimana ditetapkan oleh OJK.
Manajemen menggunakan peraturan rasio Management uses regulatory capital ratios in

permodalan untuk memantau rasio Kewajiban order to monitor its capital base, and these Capital
Pemenuh Modal Minimum (KPMM), sesuai Adequacy Ratios (CAR) remain the industry
dengan standar industri. Peraturan OJK untuk standards for measuring capital adequacy. OJK
pengukuran modal tersebut terutama regulation for such measurement is primarily
didasarkan kepada pemantauan kebutuhan based on monitoring the capital requirement
modal yang diwajibkan (diukur sebagai 10% (measured as 10% in 2021 and 9% in 2020 and
pada tahun 2021 dan 9% pada tahun 2020 dan 2019, respectively, of risk-weighted assets) to
2019, dari aset tertimbang menurut risiko) available capital resources.
terhadap modal yang tersedia.
Perusahan telah memenuhi ketentuan OJK The Company has complied with OJK regulation
yang berlaku tentang KPMM. regarding CAR.
- 103 -
Perusahaan wajib memperhitungkan Risiko In the calculations of CAR, the Company has
Pasar karena telah memenuhi kriteria considered Market Risk using The standard
sebagaimana diatur oleh OJK yang berlaku, method as stipulated in OJK Regulation, since the
yaitu jumlah aset sebesar Rp 10.000.000 atau Company has a total assets of more than
lebih. Perhitungan dilakukan menggunakan Rp 10,000,000.
metode standar sesuai dengan Peraturan OJK.
Perhitungan rasio KPMM pada tanggal The calculation of CAR as of December 31, 2021,
31 Desember 2021, 2020 dan 2019 adalah 2020 and 2019 follows:
sebagai berikut:
2021 2020 2019
I. Komponen Modal I. Capital Stock Component

A. Modal Inti 6.943.147 5.571.952 5.474.321 A. Core Capital
B. Modal Pelengkap (94.553) 292.736 228.253 B. Supplementary Capital
II. Jumlah modal 6.848.594 5.864.688 5.702.574 II. Total
III. Aset Tertimbang Menurut Risiko (ATMR) III. Risk Weighted Assets
Risiko kredit setelah memperhitungkan Credit risk after considering
risiko spesifik 17.777.390 23.688.232 26.712.423 specific risk
Risiko pasar 76.368 4.946.970 925.317 Market risk
Risiko operasional 5.668.202 5.281.034 4.906.465 Operational risk
Jumlah ATMR untuk risiko kredit, pasar Total risk weight assets for credit,
dan operasional 23.521.960 33.916.236 32.544.205 market and operational risk
IV.Rasio Kewajiban Penyediaan Modal IV.Capital Adequacy Ratio (CAR)

Minimum (KPMM) yang tersedia
KPMM dengan memperhitungkan
risiko kredit 38,52% 24,76% 21,35% CAR with credit risk
risiko kredit dan pasar 38,36% 20,48% 20,63% CAR with credit and market risk
risiko kredit dan operasional 29,21% 20,24% 18,04% CAR with credit and operational risk
KPMM dengan memperhitungkan risiko CAR with credit, operational and
kredit dan operasional dan pasar 29,12% 17,29% 17,52% market risk
V. Rasio Kewajiban Penyediaan Modal

Minimum yang diwajibkan berdasarkan V. Minimum Capital Adequacy Ratio
profil risiko 10% 9% 9% based on the profile risk
27. Waran 27. Warrants
Pada tanggal 27 April 2016, Perusahaan On April 27, 2016, the Company issued attached
menerbitkan Waran Seri III secara cuma-cuma 4,357,096,148, Series III Warrants, free of
sejumlah 4.357.096.148 waran yang melekat charge, to be issued in the Limited Public
pada saham yang diterbitkan dalam rangka Offering II. Each holder of one (1) new shares of
Penawaran Umum Terbatas II. Setiap the Company is entitled to four (4) warrants
pemegang satu (1) saham baru Perusahaan where each one (1) warrant entitles the holder to
berhak memperoleh empat (4) waran dimana purchase one (1) new share of the Company at
setiap satu (1) waran memberikan hak kepada an exercise price at Rp 625 (in full Rupiah) per
pemegangnya untuk membeli satu (1) share and can be exercised from November 28,
saham baru Perusahaan dengan harga 2016 until May 12, 2021.
pelaksanaannya sebesar Rp 625 (dalam Rupiah
penuh) dan dapat dikonversi menjadi saham
mulai tanggal 28 November 2016 sampai
dengan 12 Mei 2021.
- 104 -
Selama tahun 2021, 2020 dan 2019, sebanyak In 2021, 2020 and 2019, 2,254,359,097,
2.254.359.097, 480.000.100 dan 1.600.000.000 480,000,100 and 1,600,000,000 Series III
Waran Seri III telah dikonversi masing-masing Warrants had been converted to 2,254,359,097
menjadi 2.254.359.09 saham, 480.000.100 shares, 480,000,100 shares and 1,600,000,000
saham dan 1.600.000.000 saham dengan shares, respectively, with total proceeds of
jumlah penerimaan sebesar Rp 1.408.975, Rp 1,408,975, Rp 300,000 and Rp 1,000,000,
Rp 300.000 dan Rp 1.000.000. respectively.
Jumlah Waran Seri III yang belum As of December 31, 2020 and 2019, there are
dikonversikan menjadi saham sebanyak 2,275,390,640 and 2,755,390,740, respectively,
2.275.390.640 dan 2.755.390.740 pada tanggal unexercised Series III Warrants. At the expiry
31 Desember 2020 dan 2019. Pada tanggal date of the Series III Warrants, which is on
masa laku Waran Seri III berakhir yaitu 12 Mei May 12, 2021, a total of 21,031,543 were not
2021, sebanyak 21.031.543 Waran Seri III tidak converted into share capital.
dikonversikan menjadi modal.
28. Pendapatan Bunga dan Bagi Hasil 28. Interest Revenue and Profit Sharing Income
2021 2020 2019
Pendapatan bunga Interest income

Rupiah Rupiah
Kredit yang diberikan 1.454.405 1.813.183 2.214.301 Loans
dan Bank Indonesia 74.723 109.967 70.579 and Bank Indonesia
janji jual kembali 67.195 39.995 42.332 agreements to resell
Giro pada bank lain 8.530 2.798 3 Demand deposits with other banks
Jumlah 2.440.399 2.380.725 2.590.617 Subtotal

Kredit yang diberikan 159.839 204.005 132.856 Loans
dan Bank Indonesia 366 2.643 31.999 and Bank Indonesia
Giro pada bank lain 400 718 2.585 Demand deposits with other banks
Jumlah 182.510 251.740 190.587 Subtotal
Jumlah 2.622.909 2.632.465 2.781.204 Subtotal
Pendapatan bagi hasil Profit sharing income

Rupiah Rupiah
Piutang syariah 647.120 634.024 549.242 Sharia receivables
dan Bank Indonesia 14.217 4.497 892 and Bank Indonesia
Jumlah 694.484 667.237 579.149 Subtotal

Efek-efek 586 559 507 Securities
Jumlah 695.070 667.796 579.656 Subtotal
Jumlah 3.317.979 3.300.261 3.360.860 Total
- 105 -
29. Beban Bunga dan Bagi Hasil 29. Interest Expense and Profit Sharing Expense
2021 2020 2019
Beban bunga Interest expenses

Rupiah Rupiah
Deposito berjangka 359.232 517.878 589.652 Time deposits
Tabungan 169.392 239.642 240.543 Savings deposits
Premi penjaminan Pemerintah Premium on Government
(Catatan 45c) 66.422 56.299 57.112 guarantee (Note 45c)
Simpanan dari bank lain 1.109 3.156 6.224 Deposits from other banks
Efek yang dijual dengan janji beli Securities sold under agrements to
kembali 570 2.873 178 repurchase
Jumlah 673.930 891.859 953.682 Subtotal

Efek yang dijual dengan janji beli Securities sold under agrements to
kembali 154 1.487 - repurchase
Simpanan dari bank lain 8 895 1.768 Deposits from other banks
Jumlah 13.673 13.328 13.332 Subtotal
Jumlah 687.603 905.187 967.014 Total
Beban bagi hasil Profit sharing expense

Rupiah Rupiah
Tabungan 19.061 14.137 14.605 Savings deposits
Premi penjaminan Pemerintah Premium on Government
(Catatan 45c) 17.927 8.025 - guarantee (Note 45c)
Simpanan dari bank lain 123 4.119 3.983 Deposits from other banks
Jumlah 214.579 206.870 183.343 Subtotal
Jumlah 902.182 1.112.057 1.150.357 Total
30. Beban Umum dan Administrasi 30. General and Administrative Expenses
2021 2020 2019
Asuransi 389.029 299.799 46.278 Insurance

Umum 269.606 355.985 410.587 General
Perbaikan dan pemeliharaan 184.551 165.627 141.804 Repairs and maintenance
Komunikasi 97.992 93.382 99.906 Communications
Promosi 45.057 46.351 38.942 Promotions
Sewa gedung 39.042 42.491 103.021 Building rent
Transportasi 30.781 30.371 55.068 Transportation
Cetakan dan alat tulis 29.722 30.295 45.583 Printing and stationery
Listrik dan air 24.113 25.284 28.206 Electricity and water
Imbalan kerja jangka panjang Long term employee benefits
(Catatan 40) 17.693 12.998 18.111 expense (Note 40)
Pendidikan dan pengembangan 11.690 12.648 33.378 Education and training
Jasa profesional 5.196 5.096 8.153 Professional fees
Perjalanan dinas 2.608 4.853 14.408 Travel
Jumlah 1.147.080 1.125.180 1.043.445 Total
31. Beban Tenaga Kerja 31. Personnel expenses
2021 2020 2019
Gaji 487.495 458.784 422.197 Salaries

Tunjangan Hari Raya 40.964 40.013 35.275 Allowances for Hari Raya
Tunjangan lainnya 233.043 260.065 220.158 Other allowances
Jumlah 761.502 758.862 677.630 Total
- 106 -
32. Pendapatan Operasional Lainnya – Lain-lain 32. Other Operating Revenue - Others
2021 2020 2019
Pendapatan dari klaim asuransi 20.579 635.914 1.000.563 Revenue From Insurance Claim
Keuntungan dari perubahan Gain from changes job
undang-undang cipta kerja (Catatan 40) 18.265 - - creation law (Note 40)
Keuntungan penjualan AYDA 5.416 - - Gain on sale of foreclosed assets
Pendapatan Safe Deposit Box 4.989 4.818 4.159 Income from Safe Deposit Box
Keuntungan penjualan aset tetap Gain on sale of property and
(Catatan 14) 621 311 25 equipment (Note 14)
Jumlah 52.890 646.106 1.012.935 Total
33. Beban Operasional Lainnya – Lain-lain 33. Other Operating Expenses – Others
2021 2020 2019
Kerugian penurunan nilai aset lain-lain 135.433 175.939 121.918 Impairment loss on other assets
Beban tanggung jawab sosial 4.575 5.480 6.234 Corporate social responsibilty
Kerugian dari tindakan kecurangan 483 219 23.117 Loss from fraud
Kerugian lelang AYDA - bersih 379 22.823 23.783 Collateral auction losses - net
Biaya dan denda 56 6.014 17.342 Charge and penalty
Hapus buku aset tetap Loss on the write-off of property
(Catatan 14) 39 134 251 and equipment (Note 14)
Jumlah 143.500 219.646 195.051 Total
34. Pajak Penghasilan 34. Income Tax
a. Beban pajak terdiri dari: a. Tax expense consists of the following:

2021 2020 2019
Pajak kini 33.571 48.580 16.101 Current tax

Pajak tangguhan (1.801) (50.502) 59.040 Deferred tax
Jumlah 31.770 (1.922) 75.141 Total
b. Pajak Kini b. Current Tax
Rekonsiliasi antara laba sebelum pajak A reconcilliation between profit before tax
menurut laporan laba rugi dan penghasilan per statements of profit or loss and other
komprehensif lain dengan laba kena pajak comprehensive income and taxable income
adalah sebagai berikut: as follow:
2021 2020 2019
Laba sebelum pajak menurut laporan Profit before tax per statements of
laba rugi dan penghasilan profit and loss and other
komprehensif lain 159.518 116.600 81.893 comprehensive income
Perbedaan temporer: Temporary differences:

Pemulihan (pencadangan) penurunan nilai Provision for (reversal of) impairment
aset - bersih 56.766 152.954 (40.087) losses on assets - net
Amortisasi diskonto instrumen Amortization of discount on
keuangan 453 (2.860) (856) financial instruments
Imbalan kerja jangka panjang - bersih (5.795) 7.312 1.738 Long-term employee benefits
Aset-hak guna 15.637 1.596 - Right-of-use assets
Cadangan bonus (33.794) 33.794 - Bonus allowance
Depreciation of property and
Penyusutan aset tetap (40.543) (82.711) (65.674) equipment
Jumlah (7.276) 110.085 (104.879) Net
- 107 -
2021 2020 2019
Perbedaan tetap: Permanent differences:

Natura 13.834 14.281 14.931 Benefits-in-kind
Lain-lain 10.614 14.721 72.462 Others
Jumlah 24.448 29.002 87.393 Total
Laba kena pajak 176.691 255.687 64.407 Taxable Income
Rincian beban dan utang pajak kini adalah Current tax expense and payable are
sebagai berikut: computed as follows:
2021 2020 2019
Beban pajak kini 33.571 48.580 16.101 Current tax expense

Dikurangi pembayaran pajak dimuka
Pajak penghasilan pasal 25 29.582 22.697 5.261 Less prepaid income tax - Article 25
Utang pajak kini (Catatan 22) 3.989 25.883 10.840 Current tax payable (Note 22)
Laba kena pajak dan beban pajak kini The taxable income and current tax
tahun 2020 dan 2019 telah sesuai dengan expenses of the Company in 2020 and 2019
Surat Pemberitahuan Tahunan (SPT) yang are in accordance with the corporate income
disampaikan ke Kantor Pelayanan Pajak. tax returns filed in the Tax Office.
c. Pajak Tangguhan c. Deferred Tax
Rincian dari aset dan liabilitas pajak The details of the Company’s deferred tax
tangguhan Perusahaan adalah sebagai assets and liabilities are as follows:
berikut:
Dikreditkan (dibebankan) ke/
Credited (charged) to
Penghasilan Dampak
komprehensif penerapan
1 Januari lain/ PSAK 71/ 31 Desember
2021/ Other Impact of 2021/
January 1, Laba rugi/ comprehensive implementation December 31,
2021 Profit or loss income of PSAK 71 2021
Aset pajak tangguhan: Deferred tax assets:

Amortisasi diskonto instrumen Amortization of discount
keuangan (92) 86 - - (6) of financial instrument
Imbalan kerja jangka panjang 5.564 (1.101) 826 - 5.289 Long-term employee benefit
Laba yang belum direalisasi atas
kenaikan nilai wajar dari efek-efek Unrealized gain on increase at
yang diukur melalui penghasilan fair value through other
komprehensif lain 1.438 - 6.563 - 8.001 comprehensive income
Jumlah 6.910 (1.015) 7.389 - 13.284 Total
Deferred tax liability:

Liabilitas pajak tangguhan: Depreciation of property and
Penyusutan aset tetap (111.353) (7.703) - - (119.056) equipment
Aset hak-guna 303 2.971 - - 3.274 Right-of-used assets
Cadangan tunjangan bonus 6.420 (6.420) - - - Accrued bonus
Cadangan kerugian penurunan Allowances for impairment
nilai aset 152.650 13.968 - - 166.618 losses on earning assets
Jumlah 48.020 2.816 - - 50.836 Total
Jumlah aset (liabilitas) pajak

tangguhan - Bersih 54.930 1.801 7.389 - 64.120 Deferred tax assets (liabilities) - net
- 108 -

Penghasilan Dampak
komprehensif penerapan
1 Januari lain/ PSAK 71/ 31 Desember
2020/ Other Impact of 2020/
January 1, Laba rugi/ comprehensive implementation December 31,
2020 Profit or loss income of PSAK 71 2020

keuangan 592 (684) - - (92) of financial instrument
Imbalan kerja jangka panjang 3.258 607 1.699 - 5.564 Long-term employee benefit
kenaikan nilai wajar dari efek-efek Unrealized gain on increase at
yang diukur melalui penghasilan fair value through other
komprehensif lain 16.166 (3.880) (10.848) - 1.438 comprehensive income
Jumlah 20.016 (3.957) (9.149) - 6.910 Total

Penyusutan aset tetap (125.840) 14.487 - - (111.353) equipment
Aset hak-guna - 303 - - 303 Right-of-used assets
Cadangan tunjangan bonus - 6.420 - - 6.420 Accrued bonus
nilai aset (17.453) 33.250 - 136.853 152.650 losses on earning assets
Jumlah (143.293) 54.460 - 136.853 48.020 Total
Jumlah aset (liabilitas) pajak

tangguhan - Bersih (123.277) 50.503 (9.149) 136.853 54.930 Deferred tax assets (liabilities) - net

Penghasilan
komprehensif
1 Januari lain/ 31 Desember
2019/ Other 2019/
January 1, Laba rugi/ comprehensive December 31,
2019 Profit or loss income 2019

keuangan 645 (53) - 592 of financial instrument
Imbalan kerja jangka panjang 11.830 (9.869) 1.297 3.258 Long-term employee benefit
kenaikan nilai wajar dari efek-efek Unrealized gain on increase in
dalam kelompok tersedia untuk dijual 2.773 694 12.699 16.166 fair value of AFS securities
Jumlah 15.248 (9.228) 13.996 20.016 Total

Penyusutan aset tetap (87.537) (38.303) - (125.840) equipment
nilai aset produktif (5.944) (11.509) - (17.453) losses on earning assets
Jumlah (93.481) (49.812) - (143.293) Total
Jumlah liabilitas pajak

tangguhan - Bersih (78.233) (59.040) 13.996 (123.277) Deferred tax liabilities - net
Rekonsiliasi antara beban pajak dan hasil A reconciliation between the total tax
perkalian laba akuntansi sebelum pajak expense and the amounts computed by
dengan tarif pajak yang berlaku dalam applying the effective tax rates to profit
laporan laba rugi dan penghasilan before tax per statements of profit loss and
komprehensif lain adalah sebagai berikut: other comprehensive income follows:
2021 2020 2019
Laba sebelum beban pajak menurut Profit before tax per statements
laporan laba rugi dan penghasilan of profit and loss and
komprehensif lain 159.518 116.600 81.893 other comprehensive income
Beban pajak penghasilan dengan tarif pajak

yang berlaku 30.308 22.154 20.474 Income tax expense at prevailing tax rate
Pengaruh pajak atas perbedaan tetap: Tax effects of permanent differences:

Natura 2.628 2.713 3.732 Benefits-in-kind
Pengaruh perubahan tarif pajak

penghasilan - (29.586) 19.558 Effect on change in tax rates
Koreksi atas pajak tangguhan (3.183) - 13.262 Adjustment on deferred tax
Jumlah (penghasilan) beban pajak 31.770 (1.922) 75.141 Total tax (income) expense
- 109 -
Pada tanggal 31 Maret 2020, Pemerintah On March 31, 2020, the Government issued
Indonesia menerbitkan Peraturan Pemerintah Government Regulation No. 1/2020 and on May
No. 1/2020 dan pada tanggal 16 Mei 2020 16, 2020 was stipulated as Law No. 2 Year 2020
telah ditetapkan sebagai Undang-undang No. 2 related to State Financial Policies and Financial
Tahun 2020 tentang Kebijakan Keuangan System Stability to cope with Corona Virus
Negara dan Stabilitas Sistem Keuangan untuk Disease (Covid-19) pandemic. Through this
Penanganan Pandemi Corona Virus Disease regulation, the Government issued some new
(Covid-19). Melalui peraturan ini, Pemerintah policies which, among others, related to the
memutuskan beberapa kebijakan baru dan change in the corporate income tax rate for
salah satunya terkait dengan penyesuaian tarif domestic taxpayers and permanent
pajak penghasilan wajib pajak badan dalam establishments as follows:
negeri dan bentuk usaha tetap sebagai berikut:
 Tarif pajak penghasilan sebesar 22% yang  Corporate income tax rate of 22% effective
berlaku pada tahun pajak 2020 dan 2021, for 2020 and 2021 fiscal years, and
dan
 Tarif pajak penghasilan sebesar 20% yang  Corporate income tax rate of 20% effective
mulai berlaku pada tahun pajak 2022. for 2022 fiscal year.
Pada tanggal 7 Oktober 2021, Dewan On October 7, 2021, the House of

Perwakilan Rakyat Republik Indonesia Representatives of the Republic of Indonesia
mengesahkan Undang-Undang Harmonisasi passed the Law on the Harmonization of Tax
Peraturan Perpajakan, yang antara lain Regulations, which stipulates a corporate income
menetapkan tarif pajak penghasilan badan tax rate of 22% for the fiscal year 2022 onwards,
sebesar 22% untuk tahun pajak 2022 dan among others.
seterusnya.
Perusahaan sebagai wajib pajak perusahaan The Company as a domestic public company tax
publik dalam negeri dan memenuhi payer which meeting certain requirements of
persyaratan tertentu sebagaimana diatur Government Regulation, can avail of further 3%
berdasarkan Peraturan Pemerintah, reduction from the tax rate as mentioned above,
memperoleh tarif 3% lebih rendah dari tarif i.e. 19% for 2020 and 2021 fiscal years.
pajak penghasilan badan yang disebutkan di
atas, yakni menjadi 19% pada tahun pajak
2020 dan 2021.
Aset dan liabilitas pajak tangguhan The Company’s deferred tax assets and liabilities
Perusahaan tanggal 31 Desember 2021, telah as of December 31, 2021, have been calculated
dihitung menggunakan tarif pajak yang using the tax rates that are estimated to be valid
diperkirakan berlaku pada saat realisasi. at the time of realization.
35. Laba per Saham Dasar 35. Earnings per Share

2021 2020 2019
Laba bersih 127.748 118.522 6.752 Net income
Weighted average number of shares

Rata-rata tertimbang jumlah saham untuk outstanding for computation of basic
perhitungan laba per saham dasar 18.922.287.596 17.425.081.883 15.829.171.545 earnings per share
Laba bersih per saham Earnings per share

(dalam Rupiah penuh) (in full Rupiah)
Dasar 6,75 6,80 0,43 Basic
Dilusian - 6,00 0,34 Diluted
Rata-rata tertimbang jumlah saham beredar The weighted average of shares outstanding for
untuk perhitungan laba per saham dilusian computation of diluted earnings per share for the
untuk tahun-tahun yang berakhir 31 Desember years ended December 31, 2021, 2020 and 2019
2021, 2020 dan 2019, telah memperhitungkan has considered the effects of dilutive potential
efek berpotensi saham biasa yang dilutif Waran shares of Series III Warrants.
Seri III.
- 110 -
36. Sifat dan Transaksi Pihak Berelasi 36. Nature of Relationship and Transactions with
Related Parties
Sifat Pihak Berelasi Nature of Relationship
Selain karyawan kunci, pihak berelasi dengan Other than the key management personnel, the
Perusahaan adalah perusahaan-perusahaan related parties of the Company represent
yang berada dalam Grup Sinar Mas: companies under the Sinar Mas Group:
a. Pemegang saham (termasuk pemegang a. Stockholders (include ultimate stockholder).

saham akhir) Perusahaan.
PT Sinarmas Multiartha Tbk dan PT Shinta PT Sinarmas Multiartha Tbk and PT Shinta
Utama. Utama.
b. Perusahaan-perusahaan yang dimiliki b. Companies owned by stockholders, either

secara langsung atau tidak langsung oleh directly or indirectly.
pemegang saham Perusahaan.
c. Perusahaan-perusahaan yang dikendalikan c. Companies controlled by close family

oleh anggota keluarga dekat pemegang members of stockholders and key
saham dan manajemen kunci Perusahaan. management personnel.
Transaksi Pihak Berelasi Transactions with of Related Parties
Dalam kegiatan usahanya, Perusahaan juga In the normal course of business, the Company
melakukan transaksi-transaksi tertentu dengan entered into certain transactions with related
pihak-pihak berelasi yang meliputi antara lain: parties involving the following:
a. Transaksi aset dan liabilitas dengan pihak a. Accounts involved in transactions with
berelasi adalah sebagai berikut: related parties are as follows:
2021 2020 2019
Persentase Persentase Persentase
terhadap jumlah terhadap jumlah terhadap jumlah
aset/liabilitas/dan aset/liabilitas/dan aset/liabilitas/dan
dana syirkah temporer dana syirkah temporer dana syirkah temporer
Percentage of Percentage of Percentage of
Jumlah/ total assets/liabilities/ Jumlah/ total assets/liabilities/ Jumlah/ total assets/liabilities/
Total syirkah temporary funds Total syirkah temporary funds Total syirkah temporary funds
% % %
Aset Assets
Efek-efek 9.758 0,02 7.000 0,02 42.711 0,12 Securities

Kredit 401.988 0,76 71.120 0,16 10.676 0,03 Loans
akan diterima 170 0,00 108 0,00 570 0,00 Accrued income
Biaya dibayar dimuka 649 0,00 1.813 0,00 15.840 0,04 Prepaid expenses
Aset lain - lain 32.219 0,06 53.944 0,12 24.995 0,07 Other assets
Liabilities Immediately
Liabilitas segera 434 0,00 1.370 0,00 536 0,00 payable
Simpanan 7.972.890 20,55 5.200.137 15,97 3.692.251 13,99 Deposits
Simpanan dari bank lain - - - - 26.433 0,10 Deposits from other banks
Beban yang masih
harus dibayar 885 0,00 3.553 0,01 2.876 0,01 Accrued expenses
Dana Syirkah temporer Dana Syirkah temporer

Simpanan 1.009.811 15,50 719.407 12,00 240.764 5,87 Deposits
b. Pada tanggal 31 Desember 2021, 2020 b. As of December 31, 2021, 2020 and 2019,
dan 2019 saldo kredit channeling dan saldo loan channeling and joint financing were
kredit joint financing disalurkan melalui disbursed through related parties (Note 9).
pihak berelasi (Catatan 9).
- 111 -
c. Pendapatan bunga dan bagi hasil yang c. Interest income and profit sharing from
diterima dari pihak berelasi untuk tahun- related parties amounted to Rp 1,384,
tahun yang berakhir 31 Desember 2021, Rp 989 and Rp 329, or 0.05%, 0.03% and
2020 dan 2019 masing-masing sebesar 0.01%, respectively, of total interest income
Rp 1.384, Rp 989 dan Rp 329, atau and profit sharing for the years ended
masing-masing 0,05%, 0,03% dan 0,01% December 31, 2021, 2020 and 2019,
dari jumlah pendapatan bunga dan bagi respectively (Note 28).
hasil (Catatan 28).
d. Beban bunga dan bagi hasil yang dibayar d. Interest expense and profit sharing paid to
kepada pihak berelasi untuk tahun-tahun related parties amounted to Rp 77,550,
yang berakhir 31 Desember 2021, 2020 Rp 110,238 and Rp 118,936 or 8.60%,
dan 2019 masing-masing sebesar 9.91% and 10.34%, respectively of total
Rp 77.550, Rp 110.238 dan Rp 118.936, interest expense and profit sharing for the
atau masing-masing 8,60%, 9,91% dan years ended December 31, 2021, 2020 and
10,34%, dari jumlah beban bunga dan bagi 2019, respectively (Note 29).
hasil (Catatan 29).
e. Beban umum dan administrasi yang e. General and administrative expenses

dibayar kepada pihak berelasi untuk tahun- incurred with related parties amounted to
tahun yang berakhir 31 Desember 2021, Rp 30,107, Rp 33,026 and Rp 103,978 or
2020 dan 2019 masing-masing sebesar 2.67%, 2.94% and 9.96%, respectively, of
Rp 30.107, Rp 33.026 dan Rp 103.978 total general and administrative expenses
atau masing-masing 2,67%, 2,94% dan for the years ended December 31, 2021,
9,96% dari jumlah beban umum dan 2020 and 2019, respectively (Note 30).
administrasi (Catatan 30).
f. Perusahaan memberikan kompensasi f. The Company provides compensation to

kepada karyawan kunci. Imbalan yang the key management personnel. The
diberikan kepada direksi dan anggota renumeration of directors and other
manajemen kunci lainnya adalah sebagai members of key management during the
berikut: years were as follows:
2021
Personil
Dewan manajemen
Komisaris/ kunci lainnya/
Direksi/ Board of Management
Directors Commissioners Personnel
% Rp % Rp % Rp
Gaji dan imbalan kerja Salaries and other short-term

jangka pendek 100,00 16.430 100,00 4.074 97,97 168.306 employee benefits
Imbalan pesangon - - - - 2,03 3.494 Termination benefits
Jumlah 100,00 16.430 100,00 4.074 100,00 171.800 Total
2020
Personil
Dewan manajemen
% Rp % Rp % Rp

Jumlah 100,00 17.442 100,00 4.312 100,00 126.530 Total
- 112 -
2019
Personil
Dewan manajemen
% Rp % Rp % Rp

Jumlah 100,00 18.961 100,00 4.732 100,00 112.777 Total
g. Pada tanggal 31 Desember 2021, 2020 g. As of December 31, 2021, 2020 and 2019,
dan 2019, saldo transaksi komitmen dan the total commitments and contingent
kontinjensi (berupa letter of credit dan bank transactions (which consist of letters
garansi) dengan pihak berelasi masing- of credit and bank guarantees) with related
masing sebesar Rp 167.737, Rp 171.156 parties amounted to Rp 167,737,
dan Rp 167.200 (Catatan 37). Saldo Rp 171,156 and Rp 167,200, respectively
jaminan tunai dari pihak berelasi (Note 37). The outstanding margin deposits
sehubungan dengan transaksi letter of from related parties relating to the letters of
credit dan bank garansi pada tanggal credit and bank guarantees amounted to
31 Desember 2021, 2020 dan 2019 Rp 20,245, Rp 19,940 and Rp 14,525 as of
masing-masing sebesar Rp 20.245, December 31, 2021, 2020 and 2019,
Rp 19.940 dan Rp 14.525. respectively.
h. Pada tanggal 31 Desember 2021, 2020 h. As of December 31, 2021, 2020 and 2019,
dan 2019, aset tetap Perusahaan, kecuali all property and equipment, except for land,
tanah diasuransikan kepada PT Asuransi are insured with PT Asuransi Sinar Mas
Sinar Mas dengan nilai pertanggungan with a total coverage amounted to
seluruhnya masing-masing sebesar Rp 996,485, Rp 1,028,519 and
Rp 996.485, Rp 1.028.519 dan Rp 1,010,664, respectively (Note 14).
Rp 1.010.664 (Catatan 14).
i. Perusahaan menandatangani asuransi i. The Company signed credit insurance with

kredit dengan PT Asuransi Simas PT Asuransi Simas Insurtech, with benefits
Insurtech, dengan manfaat sampai dengan until November 15, 2025 (Note 13).
15 November 2025. (Catatan 13).
37. Komitmen dan Kontinjensi 37. Commitments and Contingencies
a. Komitmen pembelian dan penjualan tunai a. Spot and forward purchases and sales of
mata uang asing foreign currencies
2021 2020 2019
Pembelian tunai mata uang asing Spot and forward contracts

(spot dan forward) to purchased of foreign currencies
Dolar Amerika Serikat 62.768 73.763 88.848 U.S.Dollar
Penjualan tunai mata uang asing Spot and forward contracts

(spot dan forward) to sell foreign currencies
Dolar Amerika Serikat 61.998 63.083 105.545 U.S.Dollar
Dolar Singapura 513 - - Singapore Dollar
Yen Jepang 619 - - Japanese Yen
Jumlah 63.130 63.083 105.545 Total
- 113 -
dan 2019, transaksi spot dan forward di the above spot and forward and transactions
atas akan selesai masing-masing dalam are normally settled in 1 day to 19 days,
1 hari sampai 19 hari, 1 hari sampai 19 1 day to 19 days and 1 day to 83 days,
hari, dan 1 hari sampai 83 hari. respectively.
b. Perusahaan memiliki tagihan dan liabilitas b. The Company has commitments and
komitmen dan kontinjensi dalam rangka contingent receivables and liabilities under
ekspor-impor, pemberian garansi dan export-import transaction, guarantees given,
pemberian kredit kepada debitur dengan and loans given to debtors as follows:
rincian sebagai berikut:
2021 2020 2019
Komitmen Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas kredit kepada debitur Unused loan commitments granted

yang belum digunakan 450.891 481.473 443.001 to debtors
Irrevocable letters of credit 129.619 116.778 118.901 Irrevocable letters of credit
Jumlah 580.510 598.251 561.902 Total
Kontinjensi Contingencies
Tagihan Kontinjensi Contingent Receivables

Pendapatan bunga dalam
penyelesaian 90.928 93.790 84.754 Past due interest revenues
Liabilitas Kontinjensi Contingent Liabilities

Bank garansi 1.206.274 1.118.585 1.488.089 Bank guarantees
Jumlah - bersih (1.115.346) (1.024.795) (1.403.335) Net
dan 2019, saldo transaksi komitmen dan commitment and contingent transactions
kontinjensi berupa letters of credit dan bank consisting of letters of credit and bank
garansi dengan pihak berelasi masing- guarantees with related parties amounted to
masing sebesar Rp 167.737, Rp 171.156 Rp 167,737, Rp 171,156 and Rp 167,200,
dan Rp 167.200 (Catatan 36). respectively (Note 36).
dan 2019, jangka waktu untuk letter of the average terms of letters of credit are
credit masing-masing berkisar antara from 1 month until 19 months, 1 month until
1 – 19 bulan, 1 – 20 bulan dan 1 – 18 20 months and from 1 month until
bulan, sedangkan untuk bank garansi 18 months, respectively, while for bank
masing-masing berkisar antara 1 – 61 guarantees are from 1 month until
bulan, 1 – 61 bulan dan 1 – 52 bulan. 61 months, 1 month until 61 months and
1 month until 52 months, respectively.
Saldo Letter of Credit yang dijamin dengan Letters of credit outstanding secured by
jaminan tunai pada tanggal 31 Desember cash collateral as of December 31, 2021,
2021, 2020 dan 2019 masing-masing 2020 and 2019 amounted to Rp 9,926,
adalah sebesar Rp 9.926, Rp 26.555 dan Rp 26,555 and Rp 12,473, respectively
Rp 12.473 (Catatan 19). (Note 19).
- 114 -
Saldo bank garansi yang dijamin dengan Bank guarantees secured by cash collateral
jaminan tunai pada tanggal 31 Desember as of December 31, 2021, 2020 and 2019
2021, 2020 and 2019 masing-masing amounted to Rp 438,842, Rp 373,369 and
adalah sebesar Rp 438.842, Rp 373.369 Rp 411,177, respectively (Note 19).
dan Rp 411.177 (Catatan 19).
38. Aset dan Liabilitas dalam Mata Uang Asing 38. Monetary Assets and Liabilities Denominated
in Foreign Currencies
a. Posisi aset dan liabilitas dalam mata uang a. The balances of monetary assets and
asing adalah sebagai berikut: liabilities denominated in foreign currencies
at balance sheet dates are as follows:
Ekuivalen Rp/
Equivalent Rp
2021 2020 2019
Aset Assets
Kas USD 56.368 59.589 38.636 Cash
SGD 18.505 22.248 20.789
EUR 9.389 27.788 11.839
AUD 2.281 11.661 7.727
JPY 2.400 7.810 2.308
HKD 2.875 4.842 1.574
CNY 2.629 3.686 2.455
GBP 856 2.037 1.054
Demand deposits with Bank
Giro pada Bank Indonesia USD 322.024 152.460 318.246 Indonesia
Giro pada bank lain USD 2.752.061 1.751.869 93.296 Demand deposits with other banks
EUR 25.276 69.680 38.323
CNY 18.450 46.961 40.983
SGD 62.348 32.964 45.420
AUD 36.306 20.678 33.507
JPY 14.059 3.385 6.072
HKD 1.493 1.865 1.550
GBP 1.620 862 3.865
NZD 1.361 646 -
Penempatan pada bank lain Placements with other banks and
dan Bank Indonesia USD 3.563.130 702.502 1.013.422 Bank Indonesia
Efek-efek USD 351.465 728.770 623.752 Securities
EUR 23.817 - -
Kredit USD 907.237 1.536.269 1.426.096 Loans
Tagihan akseptasi USD 181.581 62.712 128.045 Acceptance receivable
CNY 3.145 - 2.961
Pendapatan yang masih akan diterima USD 29.286 21.682 13.479 Accrued income
EUR 292 - -
Aset lain-lain USD 2.103 760 5.209 Other assets
EUR 808 864 781
Jumlah Aset 8.393.165 5.274.590 3.881.389 Total
- 115 -
Ekuivalen Rp/
Equivalent Rp
2021 2020 2019
Liabilitas segera USD 4.672 3.153 2.292 Liabilities immediately payable
SGD 315 317 308
Simpanan USD 7.734.447 4.589.967 3.393.714 Deposits
EUR 52.569 87.116 49.373
SGD 91.614 53.208 82.883
CNY 45.471 42.994 45.016
AUD 37.313 33.983 37.274
JPY 2.428 1.884 1.601
NZD 736 25 697
Simpanan dari bank lain USD 40.334 40.795 23.005 Deposits from other banks
EUR 3.547 3.794 3.428
Surat berharga yang dijual dengan
janji dibeli kembali USD - 258.019 - Securities - Repo
Liabilitas akseptasi USD 182.078 62.712 128.045 Acceptance payable
CNY 3.153 - 2.961
Beban yang masih harus dibayar USD 454 941 174 Accrued expenses
AUD - 2 2
CNY - - 1
Liabilitas lain-lain USD 29.139 10.636 2.691 Other liabilities
CNY 316 313 365
SGD 12 12 -
Jumlah Liabilitas 8.228.598 5.189.871 3.773.830 Total liabilities
Dana Syirkah Temporer Temporary syirkah funds

Simpanan USD 2.135 3.617 - Deposits
Aset - Bersih 162.432 81.102 107.559 Net - Assets
b. Posisi Devisa Neto (PDN) b. Net Open Position (NOP)
Berikut ini disajikan rincian posisi The Company’s net open position as
devisa neto Perusahaan sebagaimana submitted to Bank Indonesia follows:
disampaikan Perusahaan kepada Bank
Indonesia:
2021
Laporan Posisi Keuangan dan
Rekening Administratif/
Statements of Financial Position Bersih
and Administrative Account Absolut/
Aset/ Liabilitas/ Net
Mata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 8.042.036 8.055.715 13.679 United States Dollar

Dolar Singapura 80.798 92.454 11.656 Singapore Dollar
Euro 59.928 55.764 4.164 Euro
Yuan China 24.178 48.940 24.762 China Yuan
Dolar Australia 38.544 37.314 1.230 Australian Dollar
Yen Jepang 16.456 3.046 13.410 Japanese Yen
Poundsterling Inggris 2.475 - 2.475 Great Britain Poundsterling
Dolar Hong Kong 4.366 - 4.366 Hong Kong Dollar
Dolar New Zealand 1.361 737 624 New Zealand Dollar
Jumlah 8.270.142 8.293.970 76.366 Total
- 116 -
2020

Euro 97.439 90.910 6.529 Euro
Poundsterling Inggris 2.898 7 2.891 Great Britain Poundsterling
Dolar New Zealand 646 26 620 New Zealand Dollar
Jumlah 5.292.910 5.257.898 38.318 Total
2019

Euro 50.162 52.801 2.639 Euro
Poundsterling Inggris 4.919 7 4.912 Great Britain Poundsterling
Dolar New Zealand - 697 697 New Zealand Dollar
Jumlah 3.964.197 3.892.069 116.678 Total
Posisi devisa neto pada tanggal Net open position as of December 31, 2021,
31 Desember 2021, 2020 dan 2019 2020 and 2019 is computed in accordance
dihitung berdasarkan Peraturan Bank with the Bank Indonesia Regulation. The
Indonesia. Rasio PDN Perusahaan pada NOP ratios submitted by the Company to
tanggal 31 Desember 2021, 2020 dan 2019 Bank Indonesia as of December 31, 2021,
yang dilaporkan pada Bank Indonesia 2020 and 2019 are 1.11%, 0.68% and
masing-masing adalah sebesar 1,11%, 2.26%, respectively.
0,68% dan 2,26%.
- 117 -
39. Pengukuran Nilai Wajar 39. Measurement of Fair Value
Tabel berikut menyajikan pengukuran nilai The following table presents the fair value
wajar aset dan liabilitas (tidak termasuk akun measurement of assets and liabilities (excluding
syariah): sharia accounts):
2021
Pengukuran nilai wajar menggunakan:/
Fair value measurement using:
Input signifikan
yang tidak
Input signifikan dapat
Harga kuotasian yang dapat diobservasi
dalam pasar aktif/ diobservasi (Level 3)/
(Level 1)/ (Level 2)/ Significant
Quoted prices Significant unobservable
Nilai Tercatat/ in active markets observable inputs inputs
Carrying Values (Level 1) (Level 2) (Level 3)
Aset yang diukur pada nilai wajar: Assets measured at fair value:
Aset keuangan yang diukur pada
penghasilan komprehensif lain Finansial assets at OCI
Efek-efek 10.191.987 10.191.987 - - Securities
Aset tetap yang dicatat pada nilai Property and equipment
revaluasi carried revalued amount
Tanah dan bangunan 588.887 - 621.883 - Land and buildings
Aset yang nilai wajarnya disajikan: Assets for which fair values are disclosed:
Diukur pada biaya perolehan
diamortisasi Measured at amortized cost
dan bank lain 8.442.917 - 8.442.917 - and other bank
Efek-efek 702.715 702.715 - Securities
Efek yang dibeli dengan janji Securities bought under agreements
jual kembali 1.672.987 - 1.672.987 - to repurchase
Kredit yang diberikan - bersih 11.386.910 - 11.386.910 - Loans - net
Tagihan akseptasi - bersih 247.165 247.165 - Acceptance receivable - net
-
Liabilitas yang diukur pada nilai wajar:
Liabilitas keuangan yang diukur pada Liabilities measured at fair value:
nilai wajar melalui laba rugi Financial liabilities at FVPL
Liabilitas derivatif 19 19 - - Derivatif liabilities
2020
Input signifikan
yang tidak
nilai wajar melalui laba rugi Financial assets at FVPL
Efek-efek 70.459 70.459 - - Securities
penghasilan komprehensif lain Finansial assets at OCI
Aset tetap yang dicatat pada nilai Property and equipment
diamortisasi Measured at amortized cost
dan bank lain 1.502.318 - 1.502.318 - and other bank
Efek-efek 444.980 - 444.980 - Securities
jual kembali 4.586.086 - 4.586.086 - to repurchase
Tagihan akseptasi - bersih 153.577 - 153.577 - Acceptance receivable - net
Liabilitas yang diukur pada nilai wajar:

Liabilitas keuangan yang diukur pada Liabilities measured at fair value:
nilai wajar melalui laba rugi Financial liability at FVPL
Liabilitas derivatif 169 - 169 - Derivatif liabilities
- 118 -
2019
Input signifikan
yang tidak
nilai wajar melalui laba rugi Financial assets at FVPL
Efek-efek 183.412 183.412 - - Securities
Tagihan Derivatif 104 - 104 - Derivative Receivable
Aset keuangan tersedia untuk dijual AFS financial assets
Aset tetap yang dicatat pada nilai Property,plant and equipment
Pinjaman yang diberikan dan piutang Loans and receivables
dan bank lain 138.825 - 138.825 - and other banks
Efek-efek 994.975 - 994.975 - Securities
jual kembali 108.665 - 108.665 - to repurchase
Tagihan akseptasi - bersih 265.212 - 265.212 - Acceptance receivable - net
Dimiliki hingga jatuh tempo HTM investments

Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and
bank lain 874.597 - 874.597 - other banks
Efek-efek 1.744.255 - 1.744.255 - Securities
Nilai wajar instrumen keuangan yang The fair value of financial instruments traded in
diperdagangkan di pasar aktif adalah active markets is based on quoted market prices
berdasarkan kuotasi harga pasar pada tanggal at the reporting date. A market is regarded as
pelaporan. Pasar dianggap aktif apabila kuotasi active if quoted prices are readily and regularly
harga tersedia sewaktu-waktu dan dapat available from an exchange, dealer, or broker,
diperoleh secara rutin dari bursa, pedagang industry group pricing service, or regulatory
efek, perantara efek, kelompok industri atau agency, and those prices represent actual and
badan penyedia jasa penentuan harga, atau regularly occurring market transaction on an
badan pengatur, dan harga tersebut arm’s lengths basis. The quoted market price
mencerminkan transaksi pasar yang aktual dan used for financial assets held by the Company is
rutin dalam suatu transaksi yang wajar. Kuotasi the current bid price. These instruments are
harga pasar yang digunakan untuk aset included in Level 1.
keuangan yang dimiliki oleh Perusahaan adalah
harga penawaran (bid price) terkini. Instrumen
keuangan seperti ini termasuk dalam hirarki
Level 1. Instrumen yang termasuk dalam hirarki.
Nilai wajar instrumen keuangan yang tidak The fair value of financial instruments that are
diperdagangkan di pasar aktif ditentukan not traded in an active market is determined by
menggunakan teknik penilaian. Teknik penilaian using valuation techniques. These valuation
ini memaksimalkan penggunaan data pasar techniques maximize the use of observable
yang dapat diobservasi yang tersedia dan market data where it is available and rely as little
sesedikit mungkin mengandalkan estimasi as possible on entity’s specific estimates. If all
spesifik yang dibuat oleh entitas. Jika seluruh significant inputs required to fair value an
input signifikan yang dibutuhkan untuk instrument are observable, the instrument is
menentukan nilai wajar dapat diobservasi, maka included in Level 2.
instrumen tersebut termasuk dalam hirarki
Level 2.
Jika satu atau lebih input signifikan tidak diambil If one or more of the significant inputs is not
dari data pasar yang dapat diobservasi, maka based on observable market data, the instrument
instrumen tersebut termasuk dalam hirarki is included in Level 3.
Level 3.
- 119 -
Teknik penilaian spesifik yang digunakan untuk Specific valuation techniques used to value
menentukan nilai wajar instrumen keuangan financial instruments include:
termasuk:
 Kuotasi harga pasar atau kuotasi harga  Quoted market prices or dealer quotes for
penjual untuk instrumen sejenis; similar instruments;
 Nilai wajar swap suku bunga dihitung dari  The fair value of interest rate swaps is
nilai kini estimasi arus kas masa depan calculated as the present value of the
berdasarkan kurva hasil yang dapat estimated future cash flows based on
diobservasi; observable yield curves;
 Nilai wajar kontrak mata uang asing  The fair value of forward foreign exchange
berjangka ditentukan berdasarkan kurs contracts is determined using forward
tukar berjangka pada tanggal pelaporan; exchange rates at the reporting date; and
 Teknik penilaian lainnya, seperti analisa  Other techniques, such as discounted cash
arus kas diskonto, digunakan untuk flow analysis, are used to determine fair
menentukan nilai wajar instrumen value for the remaining financial instruments.
keuangan lainnya.
Nilai wajar tidak diungkapkan untuk instrumen The fair value of financial instruments are no
keuangan Perusahaan yang nilai tercatatnya longer disclosed when the carrying values
telah mendekati estimasi nilai wajarnya serta approximates the fair value and financial
instrumen keuangan yang nilai wajarnya tidak instruments with determinable fair value because
dapat diukur dengan andal karena tidak they have no quoted price in active market or do
memiliki kuotasi harga di pasar aktif atau tidak not have specific due date.
memiliki jatuh tempo yang pasti.
40. Liabilitas Imbalan Kerja Jangka Panjang 40. Long-term Employee Benefits Liability
Mulai tanggal 2 Februari 2021, Perusahaan Starting from February 2, 2021, the Company
melakukan perhitungan liabilitas imbalan kerja calculated the employee benefit liabilities based
jangka berdasarkan Undang-Undang No. 11 on the Law No. 11 of 2020 on Job Creation (the
Tahun 2020 tentang Cipta Kerja (“Undang- “Job Creation Law”) and Government Regulation
Undang Cipta Kerja”) dan peraturan Pemerintah No. 35 of 2021 regarding fixed-term
No. 35 Tahun 2021 tentang Perjanjian Kerja employement contract, outsourcing, work time
Waktu Tertentu, Alih Daya, Waktu Kerja dan and rest time, and employment termination.
Waktu Istirahat, dan Pemutusan Hubungan Before Government Regulation No. 35 of 2021
Kerja. Sebelum Peraturan Pemerintah No. 35 was enacted, the calculation of employee benefit
Tahun 2021 diberlakukan, perhitungan liabilitas liabilities was based on Law No. 13 of 2003.
imbalan kerja didasarkan pada Undang-Undang
No. 13 Tahun 2003.
Untuk pendanaan imbalan kerja jangka panjang To fund these long-term employee benefits, the
tersebut, Perusahaan menyelenggarakan Company operates a defined benefit pension
program dana pensiun manfaat pasti untuk plan for all qualified permanent employees. The
seluruh karyawan tetap yang memenuhi syarat. benefits will be paid at the time the employee
Imbalan tersebut akan dibayarkan pada saat retires, is permanently disabled or is terminated.
karyawan pensiun, cacat tetap atau
diberhentikan.
Perusahaan telah menunjuk PT Asuransi Simas The Company has appointed PT Asuransi Simas
Jiwa untuk mengelola program pensiun tersebut Jiwa to manage the pension program through the
melalui Dana Pensiun Lembaga Keuangan Simas Jiwa Financial Institution Pension Fund,
Simas Jiwa, yang pendiriannya telah disahkan the establishment of which was approved
menurut Keputusan Dewan Komisioner Otoritas according to Decision of the Financial Services
Jasa Keuangan No. KEP-61/NB.1/2018 tanggal Authority Commissioner Board No. KEP-61 /
16 Oktober 2018 mengenai Pengesahan atas NB.1 / 2018 dated October 16, 2018 concerning
Peraturan Dana Pensiun dari Dana Pensiun Ratification of the Pension Fund Regulation from
Lembaga Keuangan (DPLK) Simas Jiwa. the Financial Institution Pension Fund (DPLK)
Simas Life.
- 120 -
Perhitungan aktuaria terakhir atas liabilitas The latest actuarial calculation of the long-term
imbalan kerja jangka panjang dilakukan oleh employee benefits liability is performed by
PT Ricky Leonard Jasatama, aktuaris PT Ricky Leonard Jasatama, an independent
independen, dengan laporan terakhir tertanggal actuary, with the latest report dated
28 Februari 2022. February 28, 2022.
Jumlah karyawan yang berhak atas imbalan Number of eligible employees (Company
kerja (iuran Perusahaan) jangka panjang contribution) is 4,416, 4,132 and 3,910 for the
tersebut masing-masing sebanyak 4.416, 4.132 years ended December 31, 2021, 2020 and
karyawan dan 3.910 karyawan tahun 2019, respectively.
31 Desember 2021, 2020 dan 2019.
Jumlah yang diakui dalam laporan laba rugi dan The liabilities amount included in the statement
penghasilan komprehensif lain sehubungan of financial position arising from the Group’s
dengan imbalan pasti adalah sebagai berikut: obligation in respect of its defined benefit plan is
as follows:
2021 2020 2019
Nilai kini kewajiban imbalan pasti 70.020 76.983 63.361 Present value of funded defined-benefit
Nilai wajar aset program (42.180) (47.695) (50.329) Fair value of plan assets
Jumlah liabilitas imbalan kerja
jangka panjang 27.840 29.288 13.032 Total long-term employee benefits liability
Jumlah-jumlah yang diakui dalam Iaporan laba Amount recognized in the statement of profit or
rugi dan penghasilan komprehensif lain loss and other comprehensive income in respect
sehubungan dengan imbalan pasti adalah of this benefit plans are as follows:
sebagai berikut:
2021 2020 2019
Biaya jasa kini 13.584 15.291 16.216 Current service costs

Biaya jasa lalu - 679 66 Past service costs
Biaya bunga neto 4.109 (2.972) 1.829 Net interest expense
Komponen biaya imbalan pasti Components of defined benefit costs
yang diakui di laba rugi (Catatan 30) 17.693 12.998 18.111 recognized in profit or loss (Note 30)
Penyesuaian liabilitas imbalan kerja Adjustment of employee benefit liabilities

sebagai dampak penerapan as result of implementation of the
Undang-Udang Cipta Kerja (Catatan 32) (18.265) - - Job Creation Law (Note 32)
Pengukuran kembali liabilitas imbalan pasti- Remeasurement on the defined benefit

kerugian/(keuntungan) aktuarial sebagai liability actuarial losses/(gains) as other
penghasilan komprehensif lain 4.347 8.944 5.187 comprehensive income
Jumlah 3.775 21.942 23.298 Total
Biaya imbalan pasti sebesar Rp 17.693, The defined benefit costs Rp 17,693, Rp 12,998
Rp 12.998 dan Rp 18.111, untuk tahun-tahun and Rp 18,111 for the years ended December
yang berakhir 31 Desember 2021, 2020 dan 31, 2021, 2020 and 2019 are presented as part
2019 disajikan sebagai bagian dari “Beban of "General and administrative expenses"
umum dan administrasi” (Catatan 30). (Note 30).
Mutasi liabilitas imbalan kerja jangka panjang Movements of long-term employee benefit
yang diakui di laporan posisi keuangan adalah obligations recognized in the statement of
sebagai berikut: financial position follows:
2021 2020 2019

awal tahun 29.288 13.032 59.153 at beginning of the year
Beban imbalan kerja jangka panjang Long-term employee benefits liability
tahun berjalan 17.693 12.998 18.111 expense during the year
Penyesuaian liabilitas imbalan kerja Adjustment of employee benefit liabiliti
sebagai dampak penerapan as a result of the implementation of
Undang-Undang Cipta Kerja (18.265) - - the Job Creation Law
Pembayaran selama tahun berjalan (5.223) (5.686) (16.374) Payments made during the year
Keuntungan (kerugian) komprehensif lain 4.347 8.944 5.187 Other comprehensive gains (losses)
Iuran Perusahaan - - (53.045) Company contribution
akhir tahun 27.840 29.288 13.032 reserve at end of the year
- 121 -
Mutasi nilai wajar aset program adalah sebagai Movement of fair value of plan assets as follow:
berikut:
2021 2020 2019
Saldo awal tahun 47.695 50.329 - Balance at the beginning of the year
Pendapatan bunga - 7.306 2.144 Interest income
Kontribusi pemberi kerja - - 53.045 Contributions from the employer
Pembayaran Imbalan (8.451) (7.339) - Benefits paid
Kerugian (Keuntungan) aktuaria-aset program 2.936 (2.602) (4.860) Actuarial gain-assets program
Saldo akhir tahun 42.180 47.695 50.329 Balance at the end of the year
Investasi aset program terdiversfikasi dengan Investments are well-diversified, such that the
baik, sehingga kegagalan salah satu investasi failure of any single investment would not have a
tidak memiliki dampak material terhadap material impact on the overall level of assets.
keseluruhan aset program. Porsi terbesar aset The largest proportion of assets is invested in
investasi ditempatkan pada instrumen ekuitas, equities, although the Group also invests in
meskipun Perusahaan juga berinvestasi pada property, bonds, hedge funds and cash. The
properti, obligasi, instrumen lindung nilai dan Company believes that equities offer the best
kas. Perusahaan meyakini bahwa instrumen returns over the long term with an acceptable
ekuitas memberikan imbal hasil yang paling level of risk.
baik dalam jangka panjang pada tingkatan risiko
yang dapat diterima.
Asumsi-asumsi aktuarial utama yang digunakan Principal actuarial assumptions used in the
dalam perhitungan imbalan kerja jangka valuation of the long-term employment benefits
panjang: are as follows:
2021 2020 2019
Usia pensiun normal (tahun) 55 55 55 Normal retirement age (years)

Tingkat diskonto tahunan 7,14% 6,95% 7,80% Annual discount rate
Tingkat kenaikan gaji tahunan 2,38% 2,38% 2,38% Annual increase of salary rate
Tingkat perputaran karyawan: Employee turn over
sampai dengan usia 40 tahun 9% 9% 9% up to the age of 40 years old
sampai dengan saat usia 55 tahun 0% 0% 0% up to the age of 55 years old
Tabel mortalita TMI 4 TMI 4 TMI 3 Mortality rate table
Analisa sensitivitas dari perubahan asumsi- The sensitivities of the overall long-term
asumsi utama terhadap liabilitas imbalan kerja employee benefit liabilities to changes in the
jangka panjang adalah sebagai berikut: weighted principal assumptions are as follows:
2021
Dampak terhadap liabilitas imbalan pasti/
Impact on long-term employee benefit
Perubahan Kenaikan Penurunan
Asumsi/ Asumsi/ Asumsi/
changes in Increased Decreased
assumptions assumptions assumptions
Tingkat diskonto 1% (6.027) 6.998 Discount rate

Tingkat pertumbuhan gaji 1% 7.273 (6.345) Salary growth rate
2020

- 122 -
2019

41. Saldo Laba yang Ditentukan Penggunaannya 41. Appropriated Retained Earnings
Berdasarkan Rapat Umum Pemegang Saham In the General Meeting of Shareholders, which
yang didokumentasikan dalam Akta No. 6 was stated in Deed No. 6 dated
tanggal 29 Juni 2021 dari Erlina Kumala Esti, June 29, 2021 from Erlina Kumala Esti, S.E.,
S.E., S.H., M.Kn., notaris di Jakarta, pemegang S.H., M.Kn., notary in Jakarta, the stockholders
saham menyetujui untuk menyisihkan saldo agree to appropriate retained earnings
laba sebesar Rp 500 untuk cadangan umum. amounting to Rp 500 for general reserve.
tanggal 31 Agustus 2020 dari Aulia Taufani, August 31, 2020 from Aulia Taufani, S.H., notary
S.H., notaris di Jakarta, pemegang saham in Jakarta, the stockholders agree to appropriate
menyetujui untuk menyisihkan saldo laba retained earnings amounting to Rp 500 for
sebesar Rp 500 untuk cadangan umum. general reserve.
tanggal 28 Juni 2019 dari Aulia Taufani, S.H., June 28, 2019 from Aulia Taufani, S.H., notary in
notaris di Jakarta, pemegang saham menyetujui Jakarta, the stockholders agree to appropriate
untuk menyisihkan saldo laba sebesar Rp 500 retained earnings amounting to Rp 500 for
untuk cadangan umum. general reserve.
Pada tanggal 31 Desember 2021, 2020 dan As fo December 31, 2021, 2020 and 2019,
2019, saldo laba yang ditentukan outstanding appropriated retained earnings for
penggunaannya untuk cadangan umum adalah general reserve amounted to Rp 8,500, Rp 8,000
masing-masing sebesar Rp 8.500, Rp 8.000 and Rp 7,500, respectively.
dan Rp 7.500.
42. Kontinjensi 42. Contingencies
Perusahaan menghadapi perkara hukum atau The Company is a party to certain lawsuits or
gugatan yang timbul dari kegiatan normal claims arising from their ordinary course of
usahanya. Manajemen Perusahaan bersama business. The Company’s management and
dengan penasehat hukum berpendapat bahwa legal counsels believe that the eventual liabilities
liabilitas akhir atas perkara hukum atau gugatan under these lawsuits or claims, if any, will not
tersebut, jika ada, tidak memiliki pengaruh yang have a material effect on the financial
material terhadap laporan keuangan. Oleh statements, thus, no provision has been made
karena itu, tidak ada provisi yang dibentuk atas for these contingent liabilities.
liabilitas kontinjensi tersebut.
- 123 -
43. Informasi Segmen 43. Segment Information
a. Segmen Usaha a. Operating Segments
Informasi segmen Perusahaan disajikan The Company’s segment information is

berdasarkan jenis kegiatan usahanya, presented based on it’s business activities,
yakni pemasaran dan kredit, treasuri, dan namely marketing and credit, treasury, and
ekspor-impor. Kegiatan usaha tersebut trade finance. These business activities are
menjadi dasar pelaporan informasi segmen the basis on which the Company reports its
primer Perusahaan, sebagai berikut: operating segment information, as follows:
Laporan laba rugi dan penghasilan Statement of profit or loss and

komprehensif lain: comprehensive income:
2021
Bank Umum/ Unit Usaha Syariah/
Commercial Bank Sharia Business Unit
Pemasaran Pemasaran
dan Kredit/ dan Kredit/
Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/
and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan Revenues
Interest revenues and
Pendapatan bunga dan bagi hasil 1.614.244 1.008.642 23 647.120 47.950 3.317.979 profit sharing income
Pendapatan operasional lainnya 317.836 225.586 11.436 140.838 96 695.792 Other operating revenues
Jumlah Pendapatan 1.932.080 1.234.228 11.459 787.958 48.046 4.013.771 Total Revenues
Beban Expenses
Interest expense and
Beban bunga dan bagi hasil 685.762 1.841 - 214.456 123 902.182 profit sharing expense
Beban operasional lainnya 694.318 5.578 4.585 355.192 - 1.059.673 Other operating expenses
Jumlah Beban 1.380.080 7.419 4.585 569.648 123 1.961.855 Total Expenses
Pendapatan segmen - bersih 2.051.916 Segment revenues - net

Pendapatan yang tidak dapat
dialokasikan 229.587 Unallocated revenues
Beban yang tidak dapat dialokasikan 2.121.985 Unallocated expenses
Laba sebelum pajak 159.518 Income before tax
Beban pajak (31.770) Tax expense
Laba bersih 127.748 Net Income
2020
Pemasaran Pemasaran
Pendapatan Revenues
Pendapatan bunga dan bagi hasil 2.017.187 594.282 20.995 634.024 33.773 3.300.261 profit sharing income
Jumlah Pendapatan 2.090.641 1.039.522 30.450 738.770 33.994 3.933.377 Total Revenues
Beban Expenses
Beban bunga dan bagi hasil 896.776 8.411 - 202.751 4.119 1.112.057 profit sharing expense
Beban operasional lainnya 1.262.896 7.048 339 349.953 - 1.620.236 Other operating expenses
Jumlah Beban 2.159.672 15.459 339 552.704 4.119 2.732.293 Total Expenses
Pendapatan segmen - bersih 1.201.084 Segment revenues - net

dialokasikan 1.054.614 Unallocated revenues
Beban pajak 1.922 Tax expense
- 124 -
2019
Pemasaran Pemasaran
Pendapatan Revenues
Pendapatan bunga dan bagi hasil 2.347.157 420.414 13.633 549.242 30.414 3.360.860 profit sharing income
Jumlah Pendapatan 2.449.488 459.262 28.189 628.692 30.737 3.596.368 Total Revenues
Beban Expenses
Beban bunga dan bagi hasil 958.844 8.170 - 179.361 3.982 1.150.357 profit sharing expense
Beban operasional lainnya 1.965.126 (37.144) 10.959 273.191 - 2.212.132 Other operating expenses
Jumlah Beban 2.923.970 (28.974) 10.959 452.552 3.982 3.362.489 Total Expenses
Pendapatan segmen - bersih 233.879 Segment revenues - net

dialokasikan 1.790.772 Unallocated revenues
Beban pajak (75.141) Tax expense
Laporan posisi keuangan: Statement of financial position:
2021
Pemasaran Pemasaran
Aset Assets
Aset segmen 11.702.889 29.413.972 247.973 5.347.211 1.952.656 48.664.701 Segment assets
Aset yang tidak dapat
dialokasikan 4.007.280 Unallocated assets
Jumlah Aset 52.671.981 Total Assets
Liabilitas segmen 37.901.032 29.330 252.535 289.787 1 38.472.685 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan 326.984 Unallocated liabilities
Dana Syirkah Temporer 6.507.363 5.533 6.512.896 Temporary Syirkah Funds
Jumlah Liabilitas dan Dana Total Liabilities and Temporary

Syirkah Temporer 45.312.565 Syirkah Funds
2020
Pemasaran Pemasaran
Aset Assets
Aset segmen 14.657.437 18.563.794 154.441 5.509.118 1.028.449 39.913.239 Segment assets
Liabilitas segmen 30.843.436 1.061.390 153.856 197.816 612 32.257.110 Segment liabilities

- 125 -
2019
Pemasaran Pemasaran
Aset Assets
Aset segmen 18.510.643 7.422.592 1.472.628 4.321.837 602.233 32.329.933 Segment assets
Liabilitas segmen 25.401.001 13.274 265.212 216.112 4 25.895.603 Segment liabilities

b. Segmen Geografis b. Geographical Segments
Pendapatan bunga dan bagi hasil Interest revenues and profit sharing based
berdasarkan wilayah geografis adalah on geographical segments are as follows:
sebagai berikut:
2021 2020 2019
DKI Jakarta 2.789.395 2.603.666 2.382.647 Jakarta - Capital City

Pulau Jawa (diluar Jakarta) 228.657 301.792 442.444 Java island (excluding Jakarta)
Pulau Sumatera 154.822 196.091 254.227 Sumatera island
Pulau Kalimantan 62.331 81.035 102.332 Kalimantan island
Pulau Sulawesi dan Maluku 46.020 66.263 102.798 Sulawesi and Maluku islands
Pulau Bali dan Lombok 36.751 51.247 75.389 Bali and Lombok islands
Pulau Papua 3 167 1.023 Papua island
Jumlah 3.317.979 3.300.261 3.360.860 Total
Nilai tercatat aset segmen dan tambahan The carrying values of segment assets and
atas aset tetap berdasarkan wilayah additions to property and equipment
geografis atau lokasi aset tersebut adalah classified based on geographical region or
sebagai berikut: location of the assets are as follows:
Nilai Tercatat Aset Segmen/ Penambahan Aset Tetap/

Carrying Values of Segment Assets Additions to Property and Equipment
2021 2020 2019 2021 2020 2019
DKI Jakarta 44.443.098 35.353.168 26.864.460 110.206 236.549 231.769 Jakarta - Capital City
Pulau Jawa Java island
(diluar Jakarta) 1.957.377 1.969.750 2.451.837 2.456 2.925 4.240 (excluding Jakarta)
Pulau Sumatera 1.231.292 1.315.872 1.468.965 1.926 2.087 1.978 Sumatera island
Pulau Kalimantan 323.852 519.491 620.442 291 554 741 Kalimantan Island
Pulau Sulawesi dan Maluku 394.142 420.132 508.716 284 314 562 Sulawesi and Maluku islands
Pulau Bali dan Lombok 314.898 334.726 405.332 260 467 525 Bali and Lombok islands
Pulau Papua 42 100 10.181 141 61 381 Papua island
Jumlah 48.664.701 39.913.239 32.329.933 115.564 242.957 240.196 Total
- 126 -
44. Tujuan dan Kebijakan Manajemen Risiko 44. Financial Risk Management Objectives and
Keuangan Policies
Perusahaan menyadari bahwa situasi The Company realizes that the Company
lingkungan eksternal dan internal Perusahaan external and internal environment has
telah mengalami perkembangan yang diikuti developed, followed by the increasingly complex
dengan semakin kompleksnya risiko kegiatan risks of Banking business activities and the
usaha Bankan dan meningkatnya kebutuhan increasing need for good corporate governance
akan praktek tata kelola yang sehat (Good practices. In response to these conditions, the
Corporate Governance). Sebagai tanggapan Company has implemented an adequate risk
terhadap kondisi tersebut, Perusahaan telah management framework referring to the pillars
mengimplementasikan kerangka menajemen and provisions contained in the rules and
risiko yang memadai mengacu pada pilar-pilar regulations of the authorities which are adjusted
dan ketentuan yang tercantum dalam peraturan to the objectives, policies, size and complexity of
dan ketentuan otoritas yang disesuaikan the business as well as the Company's
dengan tujuan, kebijakan, ukuran dan capabilities, which include:
kompleksitas usaha serta kemampuan
Perusahaan, yang meliputi:
a. Pengawasan Aktif dari Dewan Komisaris a. Active Oversight from the Board of
dan Direksi; Commissioners and Directors;
b. Kecukupan kebijakan, prosedur, dan b. Adequacy of policies, procedures, and
penetapan limit determination of limits
c. Kecukupan proses identifikasi, pengukuran, c. Adequacy of the identification,
pengawasan, dan pengendalian risiko, measurement, supervision and risk control
serta sistem informasi manajemen risiko; processes, as well as the risk management
information system;
d. Sistem pengendalian internal. d. Internal control system.
Kerangka tersebut digunakan Perusahaan This framework is used by the Company as an

sebagai bagian integral dari menetapkan integral part of establishing strategy,
strategi, struktur organisasi, kebijakan dan organizational structure, policies and guidelines
pedoman serta memperkuat infrastruktur as well as strengthening risk management
manajemen risiko guna mempertahankan infrastructure to maintain the soundness of the
tingkat kesehatan bank dan memastikan bahwa bank and ensure that all risks faced can be
semua risiko yang dihadapi dapat diidentifikasi, properly identified, measured, controlled,
diukur, dikendalikan, dimitigasi dan dilaporkan mitigated and reported as well as business
dengan baik serta aktivitas usaha yang activities conducted by the Company does not
dilakukan Perusahaan tidak menimbulkan cause losses that exceed the Company's
kerugian yang melebihi kemampuan capabilities or may interfere with the Company's
Perusahaan atau dapat mengganggu business continuity.
kelangsungan usaha Perusahaan.
Penerapan manajemen risiko dilakukan secara Risk management is carried out on a

konsolidasi baik dari sisi konvensional dan Unit consolidated basis, both from the conventional
Usaha Syariah (UUS), antara lain terkait and Sharia Business Unit (UUS) aspects,
pengelolaan risiko atas produk-produk Dana including related to deposits products, credit and
Pihak Ketiga, portofolio kredit dan pembiayaan, financing portfolios, liquidity management, and
pengelolaan likuiditas, dan aktivitas operational activities.
operasional.
Perusahaan telah menerapkan konsep 3 (tiga) The Company has implemented the concept of 3
Baris Pertahanan (three lines of defenses), (three) lines of defense, dividing the functions
membagi fungsi-fungsi di dalam organisasi within the organization involved in risk
yang terlibat di dalam manajemen risiko menjadi management into three groups, namely risk
tiga kelompok, yaitu Pemilik risiko (risk owner), owner, risk overseer, and independent
pengawas risiko (risk overseer), dan penyedia assurance provider. In addition, the organization
pemastian independen. Di samping itu, can also involve external parties as an additional
organisasi dapat pula melibatkan pihak layer.
eksternal sebagai lapis tambahan.
- 127 -
Lapis pertama adalah pemilik risiko yang The first layer is the risk owner who is
bertanggung jawab mengelola risiko, dan responsible for managing risk, and implementing
menerapkan pengendalian internal dalam internal controls in daily work, as well as taking
pekerjaan sehari-hari, serta melakukan tindakan corrective actions in overcoming weaknesses in
korektif dalam mengatasi kelemahan pada processes and controls. The second layer is a
proses dan pengendalian. Lapis kedua adalah function or organizational unit that helps build,
fungsi atau unit organisasi yang membantu monitor the first layer of controls, and ensure that
membangun, memantau pengendalian lapis the first layer carries out its responsibilities
pertama, dan memastikan lapis pertama adequately. This function is carried out by the
melakukan tanggung jawabnya dengan risk management group, the compliance group
memadai. Fungsi ini dilakukan oleh satuan kerja and quality assurance. The third layer is internal
manajemen risiko (risk management group), audit, which independently ensures the
satuan kerja kepatuhan (compliance group), implementation of the first and second layers of
dan penjaminan mutu (quality assurance). Lapis governance, risk management and internal
ketiga adalah audit internal yang memastikan control. Additional layers are carried out by
secara independen pelaksanaan dari Lapis external auditors and regulators who provide
pertama dan Lapis kedua terhadap tata kelola, additional information on the implementation of
manajemen risiko, dan pengendalian internal. bank risk management to stakeholders.
Untuk Lapis tambahan dilakukan oleh auditor
eksternal dan regulator yang memberikan
tambahan informasi penerapan manajemen
risiko bank kepada para pemangku
kepentingan.
Dalam rangka pelaksanaan proses dan sistem In order to implement an effective Risk
Manajemen Risiko yang efektif, maka Management process and system, the Company
Perusahaan sebagaimana yang diamanatkan as mandated in the Regulatory Provisions
dalam Ketentuan Regulator mengenai concerning the Implementation of Commercial
Penerapan Manajemen Risiko Bank Umum Bank Risk Management has established a Risk
telah membentuk Komite Manajemen Risiko Management Committee where the membership
dimana keanggotaan Komite Manajemen Risiko of the Risk Management Committee consists of
terdiri dari Mayoritas Direksi dan Pejabat the majority of the Board of Directors and Bank
Eksekutif Bank. Komite Manajemen Risiko Executive Officers. The Risk Management
dibentuk dengan tugas antara lain penyusunan Committee was formed with the tasks of, among
kebijakan, strategis, dan pedoman penerapan others, formulating policies, strategies, and
Manajemen Risiko, serta perbaikan atau guidelines for the implementation of Risk
penyempurnaan pelaksanaan Manajemen Management, as well as improving or perfecting
Risiko berdasarkan hasil evaluasi pelaksanaan the implementation of Risk Management based
Manajemen Risiko. on the results of the evaluation of the
implementation of Risk Management.
Selanjutnya Perusahaan juga telah membentuk Furthermore, the Company has also established
Risk Management Group (RMG) yang a Risk Management Group (RMG) which is
bertanggung independen terhadap Satuan independent of the Operational Work Unit (risk
Kerja Operasional (risk taking unit) dan taking unit) and the work unit that carries out the
terhadap satuan kerja yang melaksanakan internal control function, and in carrying out its
fungsi pengendalian intern, dan dalam duties is directly responsible to the Director of
pelaksanaan tugasnya bertanggung jawab Risk Management and Compliance. The
langsung kepada Direktur Manajemen Risiko establishment of the Risk Management Group
dan Kepatuhan. Pembentukan Risk has been adjusted to the needs and complexity
Management Group telah disesuaikan dengan of the company's business. The duties and
kebutuhan dan kompleksitas bisnis perusahaan. responsibilities of the Risk Management Group
Adapun tugas dan tanggung jawab Risk (Risk Management Work Unit) including:
Management Group (Satuan Kerja Manajemen
Risiko) antara lain mencakup:
a. Memberikan masukan kepada Direksi a. Provide input to Directors in the

dalam penyusunan kebijakan, strategi, dan development of policies, strategies and risk
kerangka manajemen risiko; management framework;
- 128 -
b. Mengembangkan prosedur dan alat untuk b. Develop procedures and tools for the
identifikasi, pengukuran, pemantauan, dan identification, measurement, monitoring, and
pengendalian risiko; controlling risks;
c. Mendesain dan menerapkan perangkat c. Design and implement the necessary tools
yang dibutuhkan dalam penerapan in the application of risk management;
manajemen risiko;
d. Memantau implementasi kebijakan, d. Monitor the implementation of policies,

strategi, dan kerangka manajemen risiko strategies and risk management framework
yang direkomendasikan oleh Komite recommended by the Risk Management
Manajemen Risiko dan yang telah disetujui Committee and approved by the Directors;
oleh Direksi;
e. Memantau posisi/eksposur risiko secara e. Monitor overall risk position/exposure, or

keseluruhan, maupun per risiko termasuk one by one, including monitoring of
pemantauan kepatuhan terhadap toleransi compliance with risk tolerance and limits set;
risiko dan limit yang ditetapkan;
f. Melakukan stress testing guna mengetahui f. Perform stress testing to determine the
dampak dari implementasi kebijakan dan impact of the implementation of policies and
strategi manajemen risiko terhadap strategies of risk management of the
portofolio atau kinerja Perusahaan secara portfolio or overall performance of the
keseluruhan; Company;
g. Mengkaji usulan aktivitas dan/atau produk g. Evaluate the proposed activity and/or a new
baru yang dikembangkan oleh suatu unit product developed by a particular unit of the
tertentu Perusahaan. Pengkajian Company. The assessment focused
difokuskan terutama pada aspek primarily on aspects of the Company’s ability
kemampuan Perusahaan untuk mengelola to manage activities and/or new product
aktivitas dan/atau produk baru termasuk including the complete system and the
kelengkapan sistem dan prosedur yang procedures used and their impact on the
digunakan serta dampaknya terhadap overall risk exposure of the Company;
eksposur risiko Perusahaan secara
keseluruhan;
h. Memberikan rekomendasi kepada satuan h. Provide recommendations to the working

kerja bisnis dan/atau kepada Komite unit of business and/or to the Risk
Manajemen Risiko terkait penerapan Management Committee related to the
manajemen risiko antara lain mengenai implementation of risk management,
besaran atau maksimum eksposur risiko regarding the amount or maximum risk
yang dapat dipelihara Perusahaan; exposure of the Company to be maintained;
i. Mengevaluasi akurasi dan validitas data i. Evaluating the accuracy and validity of data
yang digunakan oleh Perusahaan untuk used by the Company to measure risks for
mengukur risiko bagi Perusahaan yang the Company that using models for internal
menggunakan model untuk keperluan purposes;
intern;
j. Menyusun kebijakan dan mengevaluasi j. Develop policies and periodically evaluate

secara berkala terkait pembentukan related to the establishment of allowance for
cadangan kerugian penurunan nilai; impairment losses;
- 129 -
k. Menyusun dan menyampaikan laporan k. Prepare and submit the risk profile report to
profil risiko kepada Direktur Utama, Direktur the Managing Director, Director of Risk
Manajemen Risiko, dan Komite Manajemen Management, and Risk Management
Risiko secara berkala atau paling kurang Committee on a regular basis or at least on
secara triwulanan. Frekuensi laporan harus a quarterly basis. The frequency of reporting
ditingkatkan apabila kondisi pasar berubah should be increased if market conditions
dengan cepat; change rapidly;
l. Melaksanakan kaji ulang secara berkala l. Conduct periodic review with a frequency
dengan frekuensi yang disesuaikan tailored to the needs of the Company’s need
kebutuhan Perusahaan, untuk memastikan: to ensure:
1. kecukupan kerangka manajemen risiko; 1. Adequacy of the risk management

framework;
2. keakuratan metodologi penilaian risiko; 2. the accuracy of the risk assessment
dan methodology; and
3. kecukupan sistem informasi manajemen 3. Adequacy of the risk management
risiko. information system.
Pandemi Covid 19 berdampak terhadap The Covid 19 pandemic had an impact on the
aktivitas bisnis dan operasional Perusahaan business and operational activities of the
selama Triwulan IV 2021 antara lain tercermin Company during the fourth quarter of 2021,
pada Risiko Kredit dan Risiko Operasional. among others, reflected in Credit Risk and
Dalam upaya Perusahaan untuk meminimalkan Operational Risk. In the Company's efforts to
risiko kredit di masa pandemi, Perusahaan minimize credit risk during the pandemic, the
melakukan beberapa upaya antara lain: Company made several efforts, including:
 Melakukan pengkinian Kebijakan/Standar  Updating Policies/Standar Operating

Operating Procedure (SOP), Surat Edaran Procedure (SOP), Circular Letter, Circular
(SE), Surat Keputusan (SK) untuk Letter to improve the credit process end-to-
menyempurnakan proses kredit secara end end adjusted to changes in business factors
to end disesuaikan dengan perubahan or strategies, risk exposure, risk profile and
faktor atau stratejik bisnis, eksposur risiko, applicable regulatory provisions,
profil risiko dan ketentuan regulator yang
berlaku,
 Melakukan pengkinian Penetapan Limit  Updating the Determination of Risk Appetite

Risk Appetite dan Risk Tolerance 2021 Limits and Risk Tolerance 2021 for credit
kredit dan surat berharga disesuaikan and securities adjusted to the Bank's
dengan Rencana Bisnis Bank, perubahan Business Plan, changes in the strategy of
strategi dari Unit Bisnis, upaya the Business Units, efforts to control the
mengendalikan terkonsentrasinya concentration of provision of funds and
penyediaan dana dan memperhatikan paying attention to the impact of risks on
dampak risikonya terhadap kecukupan capital adequacy,
permodalan,
 Melakukan kaji ulang dan/atau perubahan  Reviewing and/or changing the scoring
scoring guidelines (rentang risiko) Profil guidelines (risk range) Credit Risk Profile for
Risiko Kredit untuk parameter cadangan allowance parameters on credit adjusted to
kerugian penurunan nilai (CKPN) atas the size and complexity of the Company's
kredit disesuaikan dengan ukuran dan business, the risks inherent in the Company,
kompleksitas usaha Perusahaan, Risiko regulations set by the authorities and sound
yang melekat pada Perusahaan, peraturan banking practices in line with the
yang ditetapkan otoritas serta praktek implementation of PSAK No. 71,
perbankan yang sehat sejalan dengan
penerapan PSAK No. 71,
- 130 -
 Mengupayakan peningkatan outstanding  Strive to increase credit outstanding in

kredit sesuai Rencana Bisnis Bank dengan accordance with the Bank's Business Plan
menerapkan prinsip kehati-hatian kepada by applying the precautionary principle to
debitur yang masih memiliki prospek debtors who still have business prospects,
usaha, agunan fixed asset dan/atau skema fixed asset collateral and/or credit guarantee
penjaminan kredit melalui lembaga schemes through guarantee institutions to
penjaminan untuk meminimalkan risiko minimize credit risk,
kredit,
 Melakukan peningkatan frekuensi dan  Increase the frequency and quality of credit
kualitas pemantauan kredit, meningkatkan monitoring, increase the effectiveness and
efektifitas dan efisiensi penagihan kredit efficiency of non-performing loan collections,
bermasalah, serta memantau kondisi usaha and monitor the business conditions of
debitur yang terdampak Covid-19, debtors affected by Covid-19,
 Memantau pemenuhan dokumen covenant  Monitor the fulfillment of credit covenant

kredit sesuai yang disyaratkan pada documents as required in the Offering Letter
Offering Letter dan segera ditindaklanjuti and immediately follow up if there are
apabila terjadi penyimpangan, deviations,
 Memantau progress penyelesaian nasabah  Monitoring progress of settlement of Non

Non Performing Loan dengan upaya Performing Loan customers with
restrukturisasi dan memantau ketepatan restructuring efforts and monitoring the
pembayaran setelah restrukturisasi accuracy of payments after restructuring,
dilakukan, penagihan yang intensif (lisan intensive collection (oral or written),
atau tertulis), dilakukan lelang/agunan yang conducting auctions/foreclosed assets and
diambil alih (AYDA) dan hapus buku, writing off books,
 Melakukan Pengurangan Eksposur  Reducing Credit Concentration Exposure to

Konsentrasi Kredit kepada Debitur Inti, Core Debtors,
 Melakukan Perhitungan Pembentukan  Calculation of allowance for impairment

CKPN berdasarkan PSAK No. 71 assets formation based on PSAK No. 71
disesuaikan dengan kolektibilitas, Day Past adjusted to collectability, Day Past Due, and
Due, dan stage debitur serta secara debtor stage and gradually the Company
gradual Perusahaan meningkatkan rasio increases the ratio of allowance to cover
CKPN untuk mengcover NPL, NPL,
 Secara berkesinambungan melakukan  Continuously restructure debtors affected by

restrukturisasi atas debitur yang terkena Covid-19 by referring to POJK
dampak Covid-19 dengan mengacu pada No. 11/POJK.03/2020, POJK
POJK No. 11/POJK.03/2020, POJK No. 48/POJK.03/2020 and POJK
No. 48/POJK.03/2020 dan POJK No. 17/POJK.03/2021 concerning National
No. 17/POJK.03/2021 tentang Stimulus Economic Stimulus as a Countercyclical
Perekonomian Nasional Sebagai Kebijakan Policy for the Impact of the Spread of Covid-
Countercyclical Dampak Penyebaran 19,
Covid-19,
 Perusahaan menerapkan prinsip kehati-  The Company applies the principle of

hatian dan selektif dalam pemberiaan prudence and is selective in providing credit.
kredit. Perusahaan menyalurkan kredit ke The Company disburses credit to business
sektor-sektor usaha yang potensial sectors that have the potential to survive,
bertahan, masih memiliki prospek, dan still have prospects, and are improving
membaik di masa pandemi, dan pemberian during the pandemic, and provide credit to
kedit kepada debitur yang masih memiliki debtors who still have business prospects
prospek usaha serta memiliki jaminan aset and have collateral fixed asset.
tetap.
- 131 -
Dari sisi operasional, Perusahaan melakukan From an operational perspective, the Company
beberapa upaya untuk meminimalkan risiko makes several efforts to minimize operational
operasional yang berasal dari sumber-sumber risk from risk sources, including:
risiko antara lain:
 Proses Internal: Melakukan kaji ulang  Internal Process: Conduct periodic reviews
berkala terhadap kebijakan, prosedur, of policies, procedures, carry out risk
melakukan proses risk assurance terhadap assurance processes for the Company's
aktivitas operasional Perusahaan, operational activities, provide
memberikan rekomendasi perbaikan serta recommendations for improvement and
monitoring terhadap implementasinya, monitoring of its implementation, as well as
serta melakukan tindak lanjut atas hasil follow up on the results of internal/external
audit internal/eksternal. audits.
 Sistem dan Teknologi: Penerapan proses  System and Technology: The

manajemen risiko dalam penggunaan implementation of risk management
Teknologi Informasi telah dilaksanakan processes in the use of Information
secara memadai dalam hal pengelolaan Technology has been carried out
pengamanan informasi, pengamanan adequately in terms of managing
terhadap data Perusahaan, dan uji coba information security, securing the
terhadap pengembangan sistem aplikasi. Company’s data, and testing the
development of application systems.
 Manusia: Perusahaan memastikan  Humans: The company ensures the

kecukupan kuantitas SDM yang diperlukan adequacy of the required quantity of human
dan secara berkala berupaya resources and periodically seeks to
meningkatkan kualitas sumber daya improve the quality of human resources
manusia melalui pelatihan/training, through online training/training,
sosialisasi, refreshment risk/fraud socialization, refreshment risk/fraud
awareness serta Deklarasi Anti Fraud dan awareness as well as the online Anti-Fraud
Pakta Integritas yang dilakukan secara Declaration and Integrity Pact.
online.
 Faktor eksternal: Perusahaan melakukan  External factors: The Company has

pengkinian pedoman bagi pengelolaan updated guidelines for comprehensive
kelangsungan usaha yang komprehensif business continuity management with the
dengan tujuan untuk mengantisipasi risiko aim of anticipating operational risks that
operational yang mungkin terjadi dari may occur from emergency/critical
situasi darurat/kritikal karena bencana alam situations due to natural disasters such as
seperti banjir, gempa bumi dan faktor floods, earthquakes and other factors such
lainnya seperti kebakaran, gangguan as fires, system disturbances through
sistem melalui Business Continuity Business Continuity Management (BCM)
Management (BCM) dan Disaster Recovery dan Disaster Recovery Center (DRC).
Center (DRC).
Selama Triwulan IV–2021, seluruh aktivitas During Quarter IV-2021, all of the Company's
operasional Perusahaan terkendali dan berjalan operational activities were under control and
dengan baik. Selain itu, di masa Pandemi ini, running well. In addition, during this Pandemic,
Perusahaan semakin memperkuat permodalan the Company has further strengthened its capital
tercermin dengan jumlah ekuitas sebesar as reflected in the total equity amounting to
Rp 7.359.416 dan CAR sebesar 29,12% pada Rp 7,359,416 and CAR of 29.12% as of
tanggal 31 Desember 2021. December 31, 2021.
Perusahaan melakukan pengelolaan terhadap The Company manages 8 (eight) risks as

8 (delapan) jenis risiko, yang antara lain follows:
sebagai berikut:
- 132 -
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang terjadi akibat Credit risk is the risk that occurs as a result of
kegagalan pihak lawan (counterparty) failure of the counterparty to meet its obligations,
memenuhi liabilitasnya, yang timbul dari which arise from the Company's functional
aktivitas fungsional Perusahaan seperti activities such as credit (provision of funds),
perkreditan (penyediaan dana), treasury, treasury, investment and trade finance.
investasi dan pembiayaan perdagangan (trade
finance).
Dalam mengelola risiko kredit, Perusahaan In managing credit risk, the Company sets a limit
menetapkan limit agar eksposur kredit sesuai so that credit exposure is in accordance with the
dengan appetite yang telah ditentukan. predetermined appetite. Limit provisions are
Ketentuan limit dibedakan antar setiap distinguished between each segmentation,
segmentasi yaitu Corporate 1, Corporate 2, namely Corporate 1, Corporate 2,
Channeling/Joint Financing, Lembaga Channeling/Joint Financing, Financial
Keuangan, Mikro, Usaha Kecil dan Menengah Institutions, Micro, Small and Medium Enterprise
(SME), Komersial, Konsumsi, yang berlaku (SME), Commercial, Consumer, which apply to
untuk konvensional maupun syariah. both conventional and sharia.
Divisi Risk Management (Satuan Kerja The Risk Management division seeks to
Manajemen Risiko) berupaya secara bertahap gradually refine the methodology for effective
menyempurnakan metodologi identifikasi, identification, measurement, monitoring and
pengukuran, pemantauan dan pelaporan reporting of risk information, and periodically
informasi risiko yang efektif, dan mengkaji reviews the existing risk management
secara berkala kerangka manajemen risiko framework to minimize the various business
yang ada untuk meminimalisasi berbagai risiko risks it faces.
usaha yang dihadapi.
Selama Triwulan IV 2021, Perusahaan secara During Quarter IV 2021, the Company has
berkesinambungan telah dan/atau akan continuously and/or will make improvements in
melakukan perbaikan dan penyempurnaan the credit process, including:
dalam proses kredit antara lain:
 Melakukan review dan perubahan terhadap  Conduct reviews and changes to the Risk
Risk Appetite dan Risk Tolerance Kredit Appetite and Risk Tolerance of Credit and
dan Surat Berharga baik itu Konsentrasi Securities, both Credit Concentration based
Kredit berdasarkan Sektor Ekonomi dan on Economic Sector and Credit
Konsentrasi Kredit Berdasarkan Industri Concentration Based on Certain Industries
Tertentu yang disesuaikan dengan strategi adjusted to the Company's business
bisnis Perusahaan; strategy;
 Optimalisasi fungsi Early Warning oleh  Optimizing the Early Warning function by
Credit Manajemen Grup (CMG) dan Credit Manajemen Grup (CMG) dan
Corporate Credit Analyst (CCA) untuk Corporate Credit Analyst (CCA) to detect
mendeteksi dini kinerja, prospek dan early performance, prospects and ability to
kemampuan membayar debitur untuk pay debtors to minimize the risk of default
meminimalkan risiko gagal bayar dan/atau and/or decrease in collectibility which has an
penurunan kolektibilitas yang berdampak impact on the addition of allowance of
pada penambahan pembentukan cadangan impairment asset formation;
kerugian penurunan nilai (CKPN);
 Peningkatan fungsi Credit Administration  Improvement of the Credit Administration

and Control (CAC) dalam memastikan dan and Control (CAC) function in ensuring and
memperkuat fungsi Monitoring atas strengthening the Monitoring function on
pemenuhan kepatuhan terhadap covenant fulfill compliance of covenant and document
dan kelengkapan dokumen; completeness;
- 133 -
 OJK sebagai regulator telah mengeluarkan  OJK as the regulator has issued a National
kebijakan Stimulus Perekonomian Nasional Economic Stimulus policy as a
sebagai Kebijakan Countercyclical Dampak Countercyclical Policy for the Impact of the
Penyebaran Coronavirus Disease 2019 Spread of the 2019 Coronavirus Disease,
yang terdiri dari penilaian kualitas kredit which consists of an assessment of credit
berdasarkan ketepatan pembayaran pokok quality based on the accuracy of principal
dan/atau bunga untuk plafon sampai and/or interest payments for a ceiling of up
dengan Rp 10.000 serta kebijakan to Rp 10,000 and a policy to improve credit
peningkatan kualitas kredit menjadi lancar quality to be smooth after being restructured
setelah direstrukturisasi akibat Covid-19 due to the Covid-19 pandemic. 19 during the
selama masa berlakunya POJK tersebut. validity period of the POJK. The company
Perusahaan telah menindaklanjuti terbitnya has followed up on the issuance of the
POJK tersebut dengan membuat maupun POJK by making or adjusting credit
menyesuaikan ketentuan perkreditan yang provisions that support efforts to improve the
mendukung upaya perbaikan kualitas quality of the credit portfolio during the
portofolio kredit di masa pandemi, pandemic, including by issuing Standar
diantaranya dengan mengeluarkan Standar Operating Procedure (SOP) for Handling
Operating Procedure (SOP) Penanganan Credit/Financing affected by the spread of
Kredit/Pembiayaan yang terdampak the Covid-19 Virus;
penyebaran Virus Covid-19;
 Melakukan pengkinian kebijakan, SOP,  Updating policies, SOP, circular letter a

Surat Edaran (SE), Surat Keputusan (SK) decision letter to improve the end-to-end
untuk menyempurnakan proses kredit credit process adjusted to changes in
secara end to end disesuaikan dengan business factors or strategies, risk exposure,
perubahan faktor atau stratejik bisnis, risk profile and applicable regulatory
eksposur risiko, profil risiko dan ketentuan provisions;
regulator yang berlaku;
 Memantau pemenuhan dokumen covenant  Monitor the fulfillment of credit covenant

kredit sesuai yang disyaratkan pada documents as required in the Offering Letter
Offering Letter dan segera ditindaklanjuti and immediately follow up if there are
apabila terdapat covenant yang tidak dapat covenants that cannot be fulfilled and
dipenuhi dan memastikan mitigasi atas ensure that the mitigation of covenant
penyimpangan covenant telah memadai deviations is adequate and prudent in order
dan prudent guna meminimalkan risiko to minimize the risks that will be faced by the
yang akan dihadapi oleh Perusahaan; Company;
 Memantau progress penyelesaian debitur  Monitor the progress of settlement of

bermasalah dan melakukan penagihan troubled debtors and carry out intensive
yang intensif, lelang/agunan yang diambil billing, auction/foreclosed asset, and
alih (AYDA), dan pemasaran jaminan marketing of collateral through digital and
melalui media digital dan non digital serta non-digital media as well as write-offs;
hapus buku;
 Secara bertahap melakukan pengurangan  Gradually reducing exposure to credit

eksposur konsentrasi kredit kepada debitur concentration to core debtors in order to
inti guna memenuhi Risk Appetite dan Risk meet the Risk Appetite and Risk Tolerance
Tolerance yang sudah ditentukan oleh that have been determined by the Company;
Perusahaan;
 Pembentukan CKPN secara bulanan  Establishment of allowance of impairment

berdasarkan metode PSAK No. 71 dan asset on a monthly basis based on PSAK
secara bertahap melakukan penambahan No. 71 Method and gradually adding
pembentukan CKPN agar memadai sesuai allowance of impairment asset formation in
dengan Risk Appetite dan Risk Tolerance order to reach adequate in accordance with
Perusahaan agar siap menghadapi the Company's Risk Appetite and Risk
kemungkinan risiko kredit yang akan Tolerance so that it is ready to face possible
terjadi; credit risks that will occur;
- 134 -
 Melakukan stress testing guna mengetahui  Conducting stress testing to determine the
dampak pemurunan kolekbilitas debitur impact of reducing the collectibility of
bermasalah terhadap NPL, penambahan problem debtors on NPL, increasing the
pembentukan CKPN, modal dan CAR formation of allowance of impairment asset,
Perusahaan; capital and CAR of the Company;
 Melakukan pengkinian dan/atau reviu  Updating and/or reviewing the Calculation of

perhitungan pembentukan CKPN the Formation of allowance of impairment
menggunakan sistem berdasarkan kualitas asset using a system based on Debtor
atau kolekbilitas debitur, hari tunggakan Quality or Collectibility, Debtor arrears days
Debitur (DPD) dan stage secara bulanan (DPD) and stages on a monthly basis
mengikuti ketentuan PSAK No. 71; following the provisions of PSAK No. 71;
 Melakukan kaji ulang dan/atau perubahan  Reviewing and/or changing the scoring
scoring guidelines (rentang risiko) profil guidelines (risk range) of Credit Profile for
kredit untuk parameter CKPN atas kredit allowance of impairment asset parameters
disesuaikan dengan ukuran dan on loans adjusted to the size and complexity
kompleksitas usaha Perusahaan, risiko of the Company's business, risks inherent in
yang melekat pada Perusahaan, aturan the Company, rules set by the authorities as
yang ditetapkan otoritas serta praktek well as sound banking practices and in line
Perbankan yang sehat dan sejalan dengan with the implementation of PSAK No. 71;
penerapan PSAK No. 71;
 Telah dilakukan pengkinian atas nilai  The allowance of impairment asset

parameter CKPN yaitu Probability of parameter values have been updated,
Default (PD), Loss Given Default (LGD), namely Probability of Default (PD), Loss
Credit Conversion Factor (CCF). Given Default (LGD), Credit Conversion
Pengkinian parameter dilakukan agar nilai Factor (CCF). Parameter updates are
parameter-parameter tersebut mengacu carried out so that the values of these
pada karakteristik debitur Perusahaan dan parameters refer to the characteristics of the
makro ekonomi yang terkini, sehingga Company's debtors and the latest macro-
pembentukan CKPN Perusahaan lebih economy, so that the formation of the
memadai, dimana perubahan ini berlaku Company's allowance of impairment asset is
sejak 1 Januari 2020. more adequate, where this change is
effective from January 1, 2020.
Risiko kredit dikelola melalui penetapan Credit risk is managed through the
kebijakan-kebijakan dan proses-proses yang establishment of policies and processes
meliputi kriteria pemberian kredit dan covering criteria for granting credit and credit
persetujuan kredit, penetapan harga, approval, pricing, monitoring, managing non-
pemantauan, pengelolaan kredit bermasalah performing loans and portfolio management.
dan manajemen portofolio.
Perusahaan telah memiliki kebijakan dan The Company already has written policies and
pedoman tertulis terkait dengan kegiatan guidelines on its lending activities in order to
perkreditan yang antara lain, mengatur manage, among others, credit analysis
prosedur analisa kredit, persetujuan kredit, procedures, credit approval procedures, credit
pencatatan dan pengawasan kredit, dan recording and monitoring procedures, and credit
restrukturisasi kredit. Kebijakan dan prosedur restructuring. Policies and procedures are
tersebut dievaluasi/dikaji secara berkala untuk reviewed periodically to suit the size and
disesuaikan perubahan kondisi serta arah complexity of the Company's business.
kebijakan Perusahaan agar potensi risiko dapat
dimitigasi.
- 135 -
Proses pemantauan kualitas kredit sampai The process of monitoring credit quality up to
dengan penanganan kredit bermasalah terus handling non-performing loans continues to be
ditingkatkan dengan berbagai strategi yang improved with various strategies that are
dimonitor secara periodik untuk memastikan monitored periodically to ensure that the quality
agar kualitas portofolio kredit tetap terjaga. of the loan portfolio is maintained. Effective credit
Pengelolaan kredit yang efektif dapat management can minimize losses and optimize
meminimalkan kerugian dan mengoptimalkan the use of capital allocated for credit risk. In
penggunaan modal yang dialokasikan untuk addition, managing human resources in quantity
risiko kredit. Selain itu, mengelola sumber daya and quality, as well as preparing work policies
manusia secara kuantitas dan kualitas, serta and procedures.
mempersiapkan kebijakan dan prosedur kerja.
Proses underwriting kredit telah dikaji ulang The credit underwriting process has been
dengan melakukan revisi maupun menerbitkan reviewed by revising or issuing several credit
beberapa kebijakan perkreditan di setiap policies in each credit segment including the
segmen kredit termasuk kewenangan dalam authority to decide credit, credit monitoring,
memutus kredit, monitoring kredit, ketentuan provisions for handling credit/financing affected
penanganan kredit/pembiayaan yang by the spread of Covid-19 and others.
terdampak penyebaran Covid-19 dan lainnya.
Selain itu, untuk mendukung pertumbuhan In addition, to support healthy credit growth, the
kredit yang sehat, Perusahaan juga Company also holds training and workshops,
mengadakan training dan workshop antara lain including on Credit Analysis, Sustainable
mengenai Analisa Kredit, Sustainable Financing, Sustainable Finance Action Plans,
Financing, Rencana Aksi Keuangan Internal Sharing Sessions related to
Berkelanjutan, Sharing Session Internal terkait credit/financing with discussions including legal
kredit/pembiayaan dengan pembahasan issues, credit reserves, credit handling for
diantaranya terkait isu-isu legal, pencadangan debtors affected by Covid-19, collateral
kredit, penanganan kredit bagi debitur yang assessment mechanisms, Internal Company
terdampak Covid-19, mekanisme penilaian provisions, Credit Analyst , Trade Finance
agunan, ketentuan Internal Perusahaan, Credit Products, Non-performing Loan Discussion
Analyst, Produk Trade Finance, training training, Banking strategy training in the
Pembahasan Kredit Bermasalah, Training momentum of credit revival in the context of
strategi Perbankan di momentum kebangkitan National Economic Recovery, Knowledge
kredit dalam rangka Pemulihan Ekonomi Sharing Business P2P Lending, Dissemination of
Nasional, Sharing Knowledge Business P2P Research Results Deepening OJK Institute –
Lending, Sosialisasi Pendalaman Hasil Riset Banking Intermediation in the Era of Pandemic &
OJK Institute – Intermediasi Perbankan Di Era Role of Fintech Lending in Encouraging Financial
Pandemi & Peran Fintech Lending Dalam Inclusion, Credit Analysis in Banking, and Credit
Mendorong Inklusi Keuangan, Analisis Kredit Risk Management For Banks.
pada Perbankan, dan Credit Risk Management
For Banks.
Dalam penerapan transformasi digital yang In implementing a digital transformation that has
berimpact pada proses underwriting, an impact on the underwriting process, the
Perusahaan telah memiliki risk strategy untuk Company has a risk strategy for each digital loan
setiap produk digital loan yang dituangkan ke product that is poured into the Risk Engine and
dalam Risk Engine dan telah dilakukan has implemented a One Limit System to
implementasi One Limit System untuk measure the repayment capacity of each
mengukur repayment capacity setiap applicant, applicant, as well as a performance monitoring
serta dilakukan analisa performance monitoring. analysis. The Company has also reviewed the
Perusahaan juga telah melakukan tinjauan atas scoring development and conducted model
pengembangan scoring dan dilakukan validasi validation on a regular basis.
model secara berkala.
- 136 -
Selain itu, terkait dengan masa Pandemi Covid- In addition, in relation to the Covid-19 Pandemic,
19, Perusahaan juga telah menyusun strategi the Company had also prepared strategies and
dan action plan untuk aktivitas perkreditan, action plans for lending activities, which will be
yang akan lebih fokus pada debitur saat ini focused more on existing debtors especially
(exist) terutama yang terdampak dan akselerasi those affected, and accelerate the restructuration
proses restrukturisasi bagi debitur yang process for affected debtors, temporary
terdampak, penghentian sementara penyaluran suspension of lending (for non-corporate
kredit (untuk segmen non korporasi) dan fokus segments) and focusing on supervising credit
pada supervisi perpanjangan kredit serta secara extensions and selectively applying
selektif menerapkan pembatasan pencairan disbursement restrictions on unused credit
terhadap kelonggaran tarik fasilitas kredit dan facility and providing credit disbursements to
memberikan penyaluran kredit kepada debitur- debtors who have adequate collateral and
debitur yang memiliki jaminan/agunan yang sectors which still holds business prospects.
memadai dan dan sektor–sektor yang masih
memiliki prospek usaha.
Dalam hal penanganan pembiayaan In terms of handling non-performing loan, the

bermasalah, Perusahaan telah melakukan Company has taken a number of actions
sejumlah action diantaranya melakukan including restructuring credit, executing
restrukturisasi kredit, eksekusi hak tanggungan, mortgage rights, foreclosed assets, and sale a
pengambilalihan agunan dan pemasaran collateral through digital and non-digital media.
jaminan melalui media digital dan non digital.
Sejak 1 Januari 2020, Perusahaan telah Since January 1, 2020, the Company has
mengimplementasikan PSAK No. 71 dalam hal implemented PSAK No. 71 in terms of allowance
pembentukan cadangan kerugian penurunan for impairment losses on credit in accordance
nilai kredit sesuai dengan penetapan Dewan with the decree of the Financial Accounting
Standar Akuntansi Keuangan Ikatan Akuntan Standards Board of the Indonesian Institute of
Indonesia (DSAK IAI). Perusahaan telah Accountants (DSAK IAI). The Company has built
membangun infrastruktur dan sistem IT yang IT infrastructure and systems that can perform
dapat melakukan proses Classification dan Classification and Measurement process,
Measurement, perhitungan Impairment (kolektif Impairment calculations (collective and
dan individu), serta Disclosure Reporting. individual), and Disclosure for Reporting. The
Cakupan penurunan nilai berdasarkan PSAK scope for impairment under PSAK No. 71
No. 71 telah memperhitungkan kerugian di considerate the future losses (expected credit
masa mendatang (expected credit loss model). loss model).
Cadangan kerugian penurunan nilai (CKPN) The allowances for impairment losses with the
dengan menggunakan metode Expected Credit Expected Credit Loss method in accordance with
Loss sesuai dengan ketentuan PSAK No. 71 PSAK No. 71 provisions calculating the
menghitung penurunan nilai pada Portofolio (1) impairment of the Portfolio (1) Credit; (2)
Kredit; (2) Treasury; (3) Trade Finance baik Treasury; (3) Trade Finance on both on balance
untuk on balance sheet maupun off balance sheet and off balance sheet every month. The
sheet setiap bulan. Perusahaan melakukan Company performs modeling of PD, LGD, EAD,
permodelan PD, LGD, EAD dan Forward and Forward-Looking Macroeconomic
Looking Macroeconomic information untuk Information for all segmentation of financial
semua segmentasi portofolio instrumen instrument portfolios in accordance with the
keuangan sesuai dengan metodologi yang telah methodology determined by the the Company.
ditentukan oleh Perusahaan.
- 137 -
Pengukuran Cadangan Kerugian Kredit Allowances for Expected Credit Losses

Ekpektasian Measurement
Mulai 1 Januari 2020, perhitungan Perusahaan Starting from January 1, 2020, the Company
mengacu pada PSAK No. 71 yang refers to PSAK No. 71 which introduces the
memperkenalkan metode kerugian kredit expected credit loss method of measuring the
ekspektasian dalam mengukur kerugian loss on a financial instrument due to impairment.
instrumen keuangan akibat penurunan nilai. Different from PSAK No. 55 that recognizes a
Berbeda dengan PSAK No. 55 sebelumnya credit loss at the same time the credit loss event
yang mengakui kerugian kredit pada saat occurs, PSAK No. 71 requires immediate
peristiwa kerugian kredit terjadi, PSAK No. 71 recognition of the effect of changes in expected
mensyaratkan pengakuan segera atas dampak credit losses after the initial recognition of the
perubahan kerugian kredit ekspektasian setelah financial asset. The Company develops risk
pengakuan awal aset keuangan. Perusahaan parameter modeling such as PD, LGD, and EAD
mengembangkan permodelan parameter risiko which are used as components of calculating
seperti PD, LGD dan EAD yang digunakan expected credit losses.
sebagai komponen perhitungan kerugian kredit
ekspektasian.
PSAK No. 71 mensyaratkan entitas untuk PSAK No. 71 requires entities to classify
mengelompokkan aset keuangan ke dalam tiga financial assets into three stages of impairment
tahapan penurunan nilai (tahap 1, tahap 2 dan (stage 1, stage 2 and stage 3) by determining
tahap 3) dengan menentukan apakah terjadi whether there is a significant increase in credit
peningkatan risiko kredit yang signifikan. risk. The Company measures the allowance for
Perusahaan mengukur cadangan kerugian losses of an expected 12 months credit loss for
sejumlah kerugian kredit ekpektasian 12 bulan financial assets with low credit risk at the
untuk aset keuangan yang memiliki risiko kredit reporting date (stage 1) and lifelong credit losses
rendah pada tanggal pelaporan (tahap 1) dan for financial assets with a significant increase in
kerugian kredit sepanjang umur untuk aset credit risk (stage 2). At each reporting date, the
keuangan yang mengalami peningkatan risiko entity assesses whether the credit risk on the
kredit yang signifikan (tahap 2). Pada setiap financial instrument has increased significantly
tanggal pelaporan, entitas menilai apakah risiko since initial recognition. In making that
kredit atas instrumen keuangan telah meningkat assessment, an entity compares the risk of
secara signifikan sejak pengakuan awal. Dalam default on initial recognition and considers
melakukan penilaian tersebut, entitas reasonable and supportable information
membandingkan risiko gagal bayar pada saat available without undue cost or effort, which is an
pengakuan awal serta mempertimbangkan indication of a significant increase in credit risk
informasi yang wajar dan terdukung yang (SICR) since initial recognition.
tersedia tanpa biaya atau upaya berlebihan,
yang merupakan indikasi peningkatan risiko
kredit secara signifikan (SICR) sejak pengakuan
awal.
Secara umum, aset keuangan dengan In general, financial assets in arrears of 30 days
tunggakan 30 hari atau lebih dan belum or more and haven’t been impaired are always
mengalami penurunan nilai akan selalu considered to have a significant increase in
dianggap telah mengalami peningkatan risiko credit risk (SICR). Financial assets are only
kredit yang signifikan (SICR). Aset keuangan deemed to be impaired and expected credit
hanya akan dianggap mengalami penurunan losses over their lifetime are recognized, if there
nilai dan kerugian kredit ekspektasian is observable objective evidence of impairment,
sepanjang umurnya diakui, jika terdapat bukti including, among other things, default or
objektif penurunan nilai yang dapat diobservasi, difficulty.
termasuk antara lain gagal bayar atau
mengalami kesulitan keuangan yang signifikan.
- 138 -
Dalam menghitung kerugian kredit In calculating the estimated credit loss, the
ekspektasian, Perusahaan memperhitungkan Company calculates the effect of
pengaruh dari proyeksi makroekonomi. Selain macroeconomic projection. In addition, the
itu, Perusahaan juga menentukan bobot Company also determines the weights of
probabilitas untuk kemungkinan terjadinya probability for the possibility of such macro
sebuah skenario makro tersebut. Berbagai scenario. Various macroeconomic variables are
variabel makroekonomi digunakan dalam used in the modeling of PSAK No. 71 depending
permodelan PSAK No. 71 tergantung pada hasil on the results of statistical analysis of the
analisis statistik kesesuaian variabel dengan suitability of the variables with historical data as
data historis pembuatan model penurunan nilai. the foundation of the impairment model. The
calculation of the expected credit losses and
Perhitungan kerugian kredit ekspektasian dan
macroeconomic projections are reviewed by the
proyeksi makroekonomi tersebut direviu oleh
Company periodically. The variables used by the
Perusahaan secara berkala. Variabel yang Company including Gross Domestif Product
digunakan Perusahaan antara lain Produk (GDP), inflation value, exchange rate, and
Domestik Bruto (PDB), nilai inflasi, nilai kurs others. In connection with the COVID-19
dan lain-lain. Sehubungan dengan adanya pandemic which has caused global and domestic
pandemi COVID-19 yang telah menimbulkan economic uncertainty, the Company continues to
ketidakpastian ekonomi global dan domestik, carry out identification and monitoring on an
Perusahaan senantiasa melakukan identifikasi ongoing basis and remains vigilant to establish
dan pemantauan secara berkelanjutan dan an allowance for impairment losses for debtors
tetap berjaga-jaga untuk melakukan who have obtained restructuring facilities.
pembentukan cadangan kerugian penurunan
nilai atas debitur yang telah mendapatkan
fasilitas restrukturisasi.
Berikut adalah eksposur maksimum instrumen The maximum exposure of financial instruments
keuangan dalam laporan posisi keuangan dan related to credit risk as shown in the statement of
rekening administratif yang terkait risiko kredit financial position as of December 31, 2021, 2020
pada tanggal 31 Desember 2021, 2020 dan and 2019 follows:
2019:
2021

Diukur pada nilai wajar melalui At Fair value through other
Efek-efek Securities
Obligasi korporasi 4.163.661 - - - 4.163.661 Corporate bonds
Diukur pada biaya perolehan dimortisasi Measured at amortized cost
Giro pada bank lain - pihak ketiga 3.151.343 - - - 3.151.343 Demand deposits with other banks
Obligasi korporasi 83.868 - - 10.364 94.232 Corporate bonds
Tagihan atas wesel ekspor 9.758 - - - 9.758
Kredit yang diberikan (termasuk Loan (including financing
pembiayaan prinsip syariah) 9.887.005 1.892.912 838.754 5.313.105 17.931.776 based on sharia principles)
Tagihan akseptasi 249.811 - - - 249.811 Acceptance receivable
Pendapatan yang masih akan diterima 287.879 - - 27.898 315.777 Acrued income
Aset lain-lain 115.329 - 808 - 116.137 Other assets
Jumlah 17.948.654 1.892.912 839.562 5.351.367 26.032.495 Total
Komitmen dan Kontinjensi Commitment and Contingencies
Fasilitas kredit kepada debitur

yang belum digunakan 450.891 - - - 450.891 Unused loan commitment to debtor
Bank garansi 1.206.274 - - - 1.206.274 Bank guarantee
Irrevocable letters of credit 129.619 - - - 129.619 Irrevocable letters of credit
Jumlah 1.786.784 - - - 1.786.784 Total
- 139 -
2020
Diukur pada nilai wajar melalui At Fair value through

laba rugi profit and loss
Reksadana 69.407 - - - 69.407 Mutual funds
Diukur pada nilai wajar melalui At Fair value through other
Obligasi korporasi 2.726.968 - - - 2.726.968 Corporate bonds
Diukur pada biaya perolehan dimortisasi Measured at amortized cost
Giro pada bank lain - pihak ketiga 2.158.349 - - - 2.158.349 Demand deposits with other banks
Call money 100.000 - - - 100.000 Call money
Obligasi korporasi 131.602 - - 10.375 141.977 Corporate bonds
pembiayaan prinsip syariah) 11.164.733 3.203.055 950.123 5.159.381 20.477.292 based on sharia principles)
Tagihan akseptasi 153.617 - 119.800 - 273.417 Acceptance receivable
Pendapatan yang masih akan diterima 226.310 - - 17.458 243.768 Acrued income
Aset lain-lain 167.834 - 864 - 168.698 Other assets
Jumlah 16.898.820 3.203.055 1.070.787 5.187.214 26.359.876 Total
Komitmen dan Kontinjensi Commitment and Contingencies

yang belum digunakan 481.473 - - - 481.473 Unused loan commitment to debtor
Bank garansi 1.118.584 - - - 1.118.584 Bank guarantee
Irrevocable letters of credit 116.778 - - - 116.778 Irrevocable letters of credit
Jumlah 1.716.835 - - - 1.716.835 Total
2019
Jumlah Bruto/ Jumlah Neto/
Gross amounts Net amounts
Diukur pada nilai wajar melalui
laba rugi Fair value through profit and loss
Reksadana 68.234 68.234 Mutual funds
Aset Lain-lain Other assets
Tagihan Derivatif 104 104 Derivative Receivable
Obligasi korporasi 328.405 328.405 Corporate bonds
Obligasi korporasi 984.804 984.804 Corporate bonds
Pinjaman yang diberikan dan piutang Loans and receivables
Giro pada bank lain 360.934 360.934 Demand deposits from other banks
Call money 138.825 138.825 Call money
Tagihan atas wesel ekspor 994.975 994.975 Export bills receivable
pembiayaan prinsip syariah) 22.497.252 21.314.497 based on sharia principles)
Tagihan akseptasi 385.012 265.212 Acceptance receivable
Pendapatan yang masih akan diterima 220.625 220.625 Acrued income
Aset lain-lain 108.968 108.187 Other assets
Jumlah 26.088.138 24.784.802 Total

Komitmen dan kontinjensi Commitment and Contingencies
yang belum digunakan 443.001 443.001 Unused loan commitments to debtor
Bank garansi 1.488.089 1.488.089 Bank guarantee
Irrevocable letters of credit 118.901 118.901 Irrevocable letters of credit
Jumlah 2.049.991 2.049.991 Total
- 140 -
Eksposur maksimum risiko kredit tercermin dari The maximum exposure to credit risk is reflected
persentase setiap kategori kredit yang diberikan in the percentage of each category of loan to
terhadap jumlah kredit. Portofolio kredit yang total loan exposure. Loans portfolio diversified
diberikan terdiversifikasi ke dalam 20 jenis into 20 types of economic sectors, wherein as of
sektor ekonomi, dimana untuk posisi December 31, 2021, 2020 and 2019, Wholesale
31 Desember 2021, 2020 dan 2019, kelompok and Retail and Households economic sector
sektor ekonomi yang memperoleh penyaluran obtained the largest loans from the Company.
kredit terbesar dari Perusahaan adalah sektor
ekonomi Perdagangan Besar dan Eceran dan
Industri Pengolahan.
Sebagai bagian dari manajemen portofolio, As part of portfolio management, the Company
Perusahaan juga melakukan pemantauan also monitors the development of credit portfolio
perkembangan risiko portofolio kredit melalui risk through the calculation of Credit Risk Profile
perhitungan Credit Risk Profile yang that describes the potential inherent risks and the
menggambarkan potensi risiko inheren dan effectiveness of the quality of risk management.
efektifitas kualitas penerapan manajemen risiko. The company also monitors the development
Perusahaan juga melakukan monitoring and quality of the portfolio based on the
perkembangan dan kualitas portofolio concentration per category portfolio, 25 largest
berdasarkan konsentrasi per kategori portofolio, debtors, industrial, region, product type, purpose
25 debitur besar, sektor industri, sektor wilayah, of use, and the type of currency. Accordingly, the
jenis produk, tujuan penggunaan, dan jenis Company can take anticipatory measures and
valuta. Dengan demikian, Perusahaan dapat risk mitigation in the portfolio as well as
mengambil langkah-langkah antisipasi dan individually and also through improvements in
mitigasi risiko secara portofolio maupun secara credit risk management implementation process,
individu dan juga melalui penyempurnaan either through improvement of credit policies and
proses penerapan manajemen risiko kredit, baik the development of adequate credit information
melalui penyempurnaan kebijakan perkreditan system.
maupun pengembangan sistem informasi kredit
yang memadai.
Berikut adalah eksposur risiko kredit atas aset The credit exposure related to Company’s assets
Perusahaan (termasuk kredit yang diberikan (including loans based on sharia principles) as of
berdasarkan prinsip syariah) pada tanggal December 31, 2021, 2020 and 2019 follows:
31 Desember 2021, 2020 dan 2019:
2021
Belum jatuh tempo
dan tidak mengalami Mengalami
penurunan nilai/ penurunan
Neither past due nilai/ Jumlah/
nor impaired Impaired Total
Giro pada bank lain 3.153.343 - 3.153.343 Demand deposits with other banks
diamortisasi 103.989 - 103.989 Measured at amortized cost
Diukur pada nilai wajar At fair value through other
penghasilan komprehensif lainnya 4.163.661 - 4.163.661 comprehensive income
Kredit yang diberikan 17.082.225 849.551 17.931.776 Loans
Tagihan akseptasi 249.811 - 249.811 Acceptance receivable
Pendapatan yang masih akan diterima 315.777 - 315.777 Accrued income
Aset lain-lain 115.329 808 116.137 Other assets
Jumlah 25.184.135 850.359 26.034.494 Total
- 141 -
2020
Belum jatuh tempo
dan tidak mengalami Mengalami
nor impaired Impaired Total
Giro pada bank lain 2.158.349 - 2.158.349 Demand deposits with other banks
Penempatan pada bank lain 100.000 - 100.000 Placements with other banks
Diukur pada nilai wajar At fair value through profit and
melalui laba rugi 69.407 - 69.407 loss
diamortisasi 141.977 - 141.977 Measured at amortized cost
Diukur pada nilai wajar At fair value through other
penghasilan komprehensif lainnya 2.726.968 - 2.726.968 comprehensive income
Kredit yang diberikan 19.483.913 993.379 20.477.292 Loans
Tagihan akseptasi 265.212 119.800 385.012 Acceptance receivable
Pendapatan yang masih akan diterima 243.768 - 243.768 Accrued income
Aset lain-lain 167.834 864 168.698 Other assets
Jumlah 25.357.428 1.114.043 26.471.471 Total
2019
Belum jatuh tem po
dan tidak m engalam i Mengalami
nor im paired Im paired Total
Giro pada bank lain 360.934 - 360.934 Dem and deposits with other banks
Penem patan pada bank lain Placem ents with other banks
Pinjaman yang diberikan dan
piutang 138.825 - 138.825 Loans and receivable
Diukur pada nilai wajar At fair value through profit and
m elalui laba rugi 68.234 - 68.234 loss
Dim iliki hingga jatuh tem po 949.921 - 949.921 Held-to-maturity
Tersedia untuk dijual 328.405 - 328.405 Available for sale
Pinjaman yang diberikan dan
piutang 994.975 - 994.975 Loans and receivable
Kredit yang diberikan 20.710.546 1.786.706 22.497.252 Loans
Tagihan akseptasi 265.212 119.800 385.012 Acceptance receivable
Pendapatan yang masih akan diterima 220.625 - 220.625 Accrued incom e
Aset lain-lain 108.187 781 108.968 Other ass ets
Jumlah 24.145.864 1.907.287 26.053.151 Total
Risiko Pasar Market Risk
Dalam melaksanakan aktivitasnya, Perusahaan In conducting its activities, the Company is

terekspos pada risiko pasar yang terdiri atas exposed to market risk consisting of interest rate
risiko suku bunga dan risiko nilai tukar. Risiko risk and foreign exchange risk. Market risk,
pasar antara lain terdapat pada aktivitas among others present in the functional activity of
fungsional Perusahaan seperti kegiatan treasuri the Company, such as treasury activities and
dan investasi dalam surat berharga dan pasar investments in securities and money markets,
uang, kegiatan pendanaan dan penerbitan surat financing activities and the issuance of debt and
utang, serta kegiatan pembiayaan perdagangan trade financing activities (trade finance). The
(trade finance). Perusahaan senantiasa Company always manages management of
melakukan pengelolaan terhadap risiko pasar market risk on a regular basis and/or periodically.
tersebut secara rutin dan/atau berkala.
Pemantauan terhadap risiko pasar dilakukan The monitoring of market risks are made daily
secara harian yang memuat informasi mengenai such as information about securitites position
posisi surat berharga yang dimiliki Perusahaan, that is owned by the Company, Net Open
Posisi Devisa Neto (PDN) serta pemantauan Position (NOP) and also monitoring of other
limit-limit risiko pasar lainnya, seperti Value at market risks limits, such as Value at Risk (VaR)
Risk (VaR) nilai tukar, Present Value of One of monetary exchange, maximum position of
Basis Poin Changes (PV01) maksimum posisi securities per issuer, series, categories and
surat berharga per penerbit, seri, serta kategori maximum period per category of securites.
buku portfolio.
- 142 -
a. Risiko Suku Bunga a. Interest Rate Risk
Pengelolaan risiko suku bunga dilakukan The management of interest rate risk of
terhadap posisi instrumen keuangan baik financial instruments carried on the position
dalam trading book maupun banking book. in both the trading book and the banking
Risiko suku bunga dalam trading book book. Interest rate risk in the trading book
dihitung dengan metode standar sesuai is calculated by standard methods in
dengan ketentuan Otoritas Jasa accordance with Bank Indonesia
Keuangan yang berlaku, yaitu meliputi regulations, which include specific risk
risiko spesifik (menggunakan Metode (using the Maturity method) and general
Jatuh Tempo) dan risiko umum. risk.
Sehubungan dengan dikeluarkannya In connection with the issuance of POJK

POJK No.12/POJK.03/2021 pada 30 Juli No.12/POJK.03/2021 on July 30, 2021
2021 tentang Bank Umum dimana regarding Commercial Banks where based
berdasarkan modal inti yang dimiliki bank on the core capital owned by the bank, the
maka Perusahaan dapat dikelompokkan Company can be grouped into Kelompok
menjadi Kelompok Bank Berdasarkan Bank Berdasarkan Modal Inti (KBMI) 2, thus
Modal Inti (KBMI) 2, dengan demikian it is obligatory to calculate and submit
wajib melakukan perhitungan dan Interest Rate Risk in The Banking Book
menyampaikan pelaporan Interest Rate (IRRBB) reporting since the enactment of
Risk in The Banking Book (IRRBB) sejak the POJK.
diberlakukannya POJK tersebut.
Penerapan manajemen risiko suku bunga The application of interest rate risk
pada banking book (IRRBB) diterapkan management in the banking book (IRRBB) is
untuk mengidentifikasi, mengukur, dan applied to identify, measure, and monitor
memantau serta mengendalikan and control interest rate movements that can
pergerakan suku bunga yang dapat cause changes in the present value and
menyebabkan perubahan pada nilai kini timing of future cash flows that affect the
dan penetapan waktu arus kas pada masa economic value of assets, liabilities and
mendatang yang mempengaruhi nilai transactions. administrative accounts and
ekonomis dari asset, liabilitas, dan causes changes in net interest income.
transaksi rekening administratif serta Interest rate risk in the Banking Book
menyebabkan perubahan pada (IRRBB) is measured based on the impact
pendapatan bunga bersih. Risiko suku of changes in interest rates on changes in
bunga dalam Banking Book (IRRBB) the economic value of equity (EVE) and
diukur berdasarkan dampak perubahan changes in net interest income (NII). Interest
suku bunga terhadap perubahan nilai rate risk management is complemented by
ekonomis dari ekuitas (Economic Value of periodic sensitivity analysis to measure the
Equity/EVE) dan perubahan pada impact of significant interest rate changes.
pendapatan bunga bersih (Net Interest
Income/NII). Pengelolaan risiko suku
bunga dilengkapi dengan analisa
sensitivitas secara periodik untuk
mengukur dampak dari perubahan suku
bunga yang signifikan.
Risiko suku bunga dipantau secara harian Interest rate risk is monitored on a daily
antara lain terhadap posisi surat berharga basis such as the position of the securities
yang dimiliki Perusahaan khususnya yang held by the Company in particular exposed
terekspos risiko pasar, yaitu surat market risk, ie securities in the categories of
berharga dalam kategori Available for Sale Available for Sale and Trading Book. The
dan Trading Book. Perusahaan memiliki, Company has a limit PV01 and
Limit PV01 dan limit/Management Action limit/Management Action Trigger as
Trigger yang menjadi acuan bagi guidance for the Company to take action
Perusahaan dalam mengambil tindakan when there is a potential loss arising from
apabila terdapat potensi kerugian the process of marked to market.
(potential loss) yang timbul dari proses
marked to market.
- 143 -
Tabel berikut merupakan rata-rata suku The following table is an average effective
bunga efektif per tahun untuk aset dan interest rate per annum for the significant
liabilitas yang signifikan (tidak termasuk assets and liabilities (excluding Sharia
akun Syariah): accounts):
2021 2020 2019
Mata Uang Asing/ Mata Uang Asing/ Mata Uang Asing/
Foreign Currencies Foreign Currencies Foreign Currencies
% % % % % %
Aset
Penempatan pada Bank Indonesia
dan bank lain 2,25 0,02 2,79 0,33 2,91 1,85
Kredit yang diberikan 11,51 12,00 11,60 12,02 13,03 11,68
Liabilitas
Simpanan 2,21 0,21 3,36 0,30 4,04 0,33
Simpanan dari bank lain 0,76 0,01 4,22 0,59 2,89 1,35
Tabel berikut ini menyajikan portofolio The following table presents the Company's
Perusahaan (tidak termasuk portofolio portfolio (excluding the trading portfolio) at
yang diperdagangkan) pada nilai their carrying values, which are grouped
tercatatnya, yang dikelompokkan menurut according to the re-pricing date or
mana yang lebih awal antara tanggal contractual maturity dates, whichever is
re-pricing atau tanggal jatuh tempo earlier:
kontraktual:
2021
Sampai > 1 bulan > 3 bulan > 1 tahun
dengan s.d. s.d. s.d.
1 bulan/ 3 bulan/ 1 tahun/ 2 tahun/
1 month More than More than More than > 2 tahun/
or 1 month until 3 months until 1 year until More than Jumlah/
less 3 months 1 year 2 years 2 years Total
Aset Assets
Bunga Mengambang Floating rate
Demand deposits with
Giro pada bank lain 3.151.343 - - - - 3.151.343 other banks
Kredit yang diberikan 433.517 2.098.991 1.769.101 267.328 5.675.295 10.244.232 Loans
Simpanan 27.739.741 - - - - 27.739.741 Deposits
Simpanan dari bank lain 79.198 - - - - 79.198 Deposits from other banks
2020
Aset Assets
Giro pada bank lain 2.158.349 - - - - 2.158.349 other banks
Kredit yang diberikan 1.324.046 1.230.280 2.721.146 234.298 7.510.085 13.019.855 Loans
2019
Aset Assets
Giro pada bank lain 360.934 - - - - 360.934 other banks
Kredit yang diberikan 1.341.505 1.204.561 3.802.449 964.808 7.949.390 15.262.713 Loans
- 144 -
b. Risiko Nilai Tukar b. Foreign Exchange
Kebijakan pengelolaan risiko nilai tukar The exchange rate risk management policy
berpedoman pada batas Posisi Devisa is guided by the limit of the Net Open
Neto (PDN) sesuai ketentuan regulator Position (NOP) in accordance with the
yaitu Perusahaan wajib mengelola dan regulatory provisions, namely the Company
memelihara PDN paling tinggi 20% dari is required to manage and maintain NOP at
Modal. Perusahaan juga menyusun Risk a maximum of 20% of capital. The
Appetite dan Risk Tolerance risiko pasar Company also prepares Risk Appetite and
yang selaras dengan tujuan strategis Risk Tolerance for market risk in line with
Perusahaan yang digunakan sebagai the Company's strategic objectives which
dasar penentuan tingkat risiko yang akan are used as the basis for determining the
diambil Perusahaan dalam pencapaian level of risk that will be taken by the
sasaran bisnis. Selain itu, pengelolaan Company in achieving business objectivity.
risiko nilai tukar secara harian juga In addition, the Company also manages
dilakukan Perusahaan dengan cara daily exchange rate risk by calculating
menghitung potensi kerugian yang potential losses that may arise as a result
mungkin timbul sebagai dampak dari of changes in exchange rates on the
adanya perubahan nilai tukar terhadap Company's position using the historical
posisi Perusahaan menggunakan metode Value at Risk (VAR) method using 500
historical Value at Risk (VAR) historical data with a 99% confidence level.
menggunakan 500 data historis dengan
tingkat kepercayaan 99%.
c. Risiko Likuditas c. Liquidity Risk
Risiko likuiditas adalah risiko yang Liquidity risk is the risk that is caused,
disebabkan antara lain oleh among others, by the inability of the
ketidakmampuan Perusahaan dalam Company to meet maturing liabilities and
memenuhi liabilitas yang telah jatuh tempo close positions in the market. Liquidity risk
dan menutup posisi di pasar. Risiko is the most important risk for commercial
likuiditas merupakan risiko yang terpenting Company and needs to be managed on an
pada Perusahaan umum dan perlu ongoing basis.
dikelola secara berkesinambungan.
Pemantauan terhadap likuiditas Monitoring of the Company's liquidity is

Perusahaan dilakukan secara harian dan carried out on a daily basis and as part of
sebagai bagian dari sistem informasi the management information system the
manajemen hasil pemantauan tersebut monitoring results are reported to
dilaporkan kepada Manajemen. Management. Monitoring is carried out,
Pemantauan antara lain dilakukan among others, on the composition of the
terhadap komposisi posisi keuangan Company's financial position, activity of
Perusahaan, aktivitas dana keluar dan outgoing and incoming funds, which is
dana masuk yang tercermin dari transaksi reflected in the Real Time Gross Settlement
Real Time Gross Settlement (RTGS) dan (RTGS) and National Clearing System
Sistem Kliring Nasional (SKN), aktivitas (SKN) transactions, money market
money market, posisi aset likuid baik activities, the position of primary and
primer maupun sekunder, serta rasio-rasio secondary liquid assets, and the ratio-
likuiditas seperti rasio kecukupan aset liquidity ratios such as the adequacy ratio of
likuid dan Rasio Intermediasi liquid assets and the Macroprudential
Makroprudensial (RIM). Pemantauan Intermediation Ratio (RIM). Monitoring of
terhadap pemenuhan Giro Wajib Minimum the fulfillment of the Statutory Reserves
baik primer maupun sekunder dan both primary and secondary and
Penyangga Likuiditas Makroprudensial Macroprudential Liquidity Buffers (PLM) is
(PLM) dilakukan secara harian untuk carried out on a daily basis to ensure that
memastikan bahwa Perusahaan selalu the Company always maintains the
menjaga GWM dan PLM sesuai yang Statutory Reserves and PLM as determined
telah ditentukan oleh regulator. by the regulator.
- 145 -
Dalam melakukan Pengelolaan terhadap In managing the Company's liquidity, a

likuiditas Perusahaan, dilakukan studi study is conducted to study the pattern of
untuk mempelajari pola pergerakan dana movement of funds and/or behavior of Third
dan atau perilaku nasabah Dana Pihak Party Fund customers, particularly core
Ketiga, khususnya dana nasabah inti dan customer funds and customers with a fairly
nasabah yang memiliki tingkat volatilitas high level of volatility. By studying customer
cukup tinggi. Dengan mempelajari perilaku behavior, the Company can maintain
nasabah, maka Perusahaan dapat adequate liquidity that is needed
menjaga kecukupan likuiditas yang appropriately in order to fulfill the
diperlukan secara tepat dalam rangka company's obligations on Third Party
memenuhi kewajiban perusahaan atas Funds. The Company always maintains the
Dana Pihak Ketiga. Perusahaan selalu adequacy of Macroprudential Liquidity
menjaga kecukupan Penyangga Likuiditas Buffer (MLB) at a safe level with the
Makroprudensial (PLM) pada level yang amount of adequacy adjusted to the
aman dengan besaran kecukupan Company's specific liquidity conditions and
disesuaikan dengan kondisi likuiditas liquidity conditions in the market.
Perusahaan secara spesifik maupun
kondisi likuiditas di pasar.
Perusahaan senantiasa melakukan Core fund or funds are not withdrawn by

pemantauan terhadap posisi customers and judged as stable are in a
core fund dan berupaya untuk pretty good amount. The Company
secara berkesinambungan meningkatkan continues to monitor the position of core
persentase terhadap jumlah dana yang fund and seeks to continually increase
dimiliki. Core fund menjadi bagian yang percentage of total funds. Core fund
sangat penting bagi Perusahaan dalam becomes a very important part of the
menjalankan fungsi intermediasi berupa Company in conducting intermediation of
penyediaan dana jangka panjang. Hal ini funds in the form of long-term supply. This
mengingat portofolio dana pihak ketiga is because the Company’s third party fund
yang dimiliki Perusahaan sebagian besar portfolio majority has maturity of up to 1
berjangka waktu sampai dengan 1 (satu) (one) year. Efforts are made to raise funds
tahun. Upaya yang dilakukan untuk among others created the programs that
meningkatkan dana mengendap antara require customer funds on hold and can not
lain diciptakan program-program yang be withdrawn until a specified period in
mengharuskan dana nasabah ditahan dan accordance with the provisions of the
tidak dapat ditarik sampai jangka waktu program.
tertentu sesuai dengan ketentuan
program.
Asset and Liability Committee (ALCO) Asset and Liability Committee (ALCO)
berperan sebagai forum manajemen serves as a forum for top senior
senior tertinggi untuk memonitor situasi management to monitor the Company’s
likuiditas Perusahaan. ALCO bertanggung liquidity situation. ALCO is responsible for
jawab untuk menentukan kebijakan dan determining the policies and strategies
strategi yang berkaitan dengan aset dan relating to the Company's assets and
liabilitas Perusahaan sejalan dengan liabilities in accordance with the principles
prinsip kehati-hatian manajemen risiko of prudence and risk management
dan peraturan yang berlaku. ALCO regulations. ALCO approved transaction
menyetujui kerangka limit transaksi, limits, framework considering the structure
mempertimbangkan struktur laporan posisi of long-term financial position of the
keuangan jangka panjang dari Company.
Perusahaan.
- 146 -
Pada dasarnya, risiko likuiditas dikelola Basically, liquidity risk is managed in

sesuai dengan kerangka kebijakan, accordance with the policy framework,
pengawasan, dan batasan yang supervision, and restrictions to ensure that
memastikan bahwa konsentrasi the concentration of funding is minimal,
pendanaan bersifat minimal, sumber dan resources and funding period are
jangka waktu pendanaan telah diversified.
terdiversifikasi.
Berikut adalah jadwal jatuh tempo liabilitas The table below shown the maturities
keuangan (termasuk simpanan dan of financial liabilities (including deposits
simpanan dari bank lain berdasarkan and deposits from other banks based
prinsip syariah) dan dana syirkah temporer on sharia principles) and temporer syirkah
berdasarkan pembayaran kontraktual funds based on contractual payments as of
pada tanggal 31 Desember 2021, 2020 December 31, 2021, 2020 and 2019:
dan 2019:
2021
Sampai > 1 bulan > 3 bulan > 6 bulan
1 bulan/ 3 bulan/ 6 bulan/ 12 bulan/
1 month More than More than More than > 12 bulan/ Nilai Tercatat/
or 1 month until 3 months until 6 months until More than Carriying
less 3 months 6 months 12 months 12 months value
Liabilities immediately
Liabilitas segera 116.189 - - - - 116.189 payable
Simpanan 35.353.885 1.292.227 247.762 1.049.875 17.806 37.961.555 Deposits
Liabilitas akseptasi - 237.219 13.205 - - 250.424 Acceptance payable
Beban yang masih harus
dibayar 23.094 - - - - 23.094 Accrued expenses
Liabilitas lain-lain 42.299 - - - - 42.299 Other liabilities
Jumlah Liabilitas 35.614.710 1.529.446 260.967 1.049.875 17.806 38.472.804 Total Liabilities
Dana Syirkah Temporer Temprorary Syirkah Funds
Simpanan 5.509.047 466.657 408.390 123.269 - 6.507.363 Deposits

Jumlah Dana Syirkah
Temporarer 5.514.580 466.657 408.390 123.269 - 6.512.896 Total Temporary Syirkah Funds
2020
Sampai > 1 bulan > 3 bulan > 6 bulan > 6 bulan
dengan s.d. s.d. s.d. s.d.
1 bulan/ 3 bulan/ 6 bulan/ 12 bulan/ 12 bulan/
1 month More than More than More than More than Nilai Tercatat/
or 1 month until 3 months until 6 months until 6 months until Carriying
less 3 months 6 months 12 months 12 months value
Liabilitas segera 193.249 - - - - 193.249 payable
Simpanan 27.955.202 2.011.609 382.613 314.819 99.673 30.763.916 Deposits
Simpanan dari bank lain 58.398 600 2.200 - - 61.198 Deposits from other banks
Efek yang dijual dengan janji Securities sold under agrements
beli kembali 1.042.913 - - - - 1.042.913 to repurchase
Liabilitas akseptasi 74.984 41.121 37.512 - - 153.617 Acceptance payable
dibayar 41.183 - - - - 41.183 Accrued expenses
Liabilitas lain-lain 47.610 - - - - 47.610 Other liabilities
Jumlah Liabilitas 29.413.539 2.053.330 422.325 314.819 99.673 32.303.686 Total Liabilities
Simpanan 4.204.912 1.239.823 201.538 346.366 - 5.992.639 Deposits

Jumlah Dana Syirkah
Temporer 4.209.553 1.239.823 201.538 346.366 - 5.997.280 Total Temporary Syirkah Funds
- 147 -
2019
Sampai > 1 bulan > 3 bulan > 6 bulan
1 bulan/ 3 bulan/ 6 bulan/ 12 bulan/
1 month More than More than More than Nilai Tercatat/
or 1 month until 3 months until 6 months until Carriying
less 3 months 6 months 12 months value
Liabilitas segera 131.750 - - - 131.750 payable
Simpanan 23.202.755 867.500 277.112 304.830 24.652.197 Deposits
Simpanan dari bank lain 800.259 - - - 800.259 Deposits from other banks
Efek yang dijual dengan janji Securities sold under agrements
beli kembali 236.699 - - - 236.699 to repurchase
Liabilitas akseptasi 105.602 139.401 20.209 - 265.212 Acceptance payable
dibayar 30.775 - - - 30.775 Accrued expenses
Liabilitas lain-lain 52.191 - - - 52.191 Other liabilities
Jumlah Liabilitas 24.560.031 1.006.901 297.321 304.830 26.169.083 Total Liabilities

Simpanan 2.876.129 179.389 61.237 450.905 3.567.660 Deposits

Simpanan dari bank lain 531.514 - - - 531.514 Deposits from other banks
Jumlah Dana Syirkah
Temporer 3.407.643 179.389 61.237 450.905 4.099.174 Total Temporary Syirkah Funds
Sebagian besar liabilitas yang dimiliki oleh Most of the liabilities held by the Company
Perusahaan akan jatuh tempo dalam will mature in less than 1 month, however,
waktu kurang dari 1 bulan, namun based on the experience of the Company,
berdasarkan pengalaman Bank sebagian most of these liabilities will be rolled over at
besar dari liabilitas tersebut pada saat maturity. Efforts are made by the Company
jatuh tempo akan diperpanjang (roll over). to ensure that customers retain their funds
Upaya yang dilakukan Perusahaan agar in the Company, namely by improving
nasabah tetap mempertahankan dananya service quality and offering fair and
pada Perusahaan yaitu dengan competitive interest rates. With these
meningkatkan kualitas pelayanan serta efforts, the Company also hopes to attract
memberikan penawaran suku bunga yang new customers to place their funds in the
wajar dan kompetitif. Dengan upaya Company. The Company also made other
tersebut, Perusahaan juga mengharapkan efforts to mitigate large-scale withdrawals
dapat menarik nasabah baru untuk of funds by customers where the Company
menempatkan dananya pada Perusahaan. also monitors 50 core depositors, by
Perusahaan juga melakukan upaya lain evaluating the profile and behavior of these
untuk memitigasi adanya penarikan dana depositors so that the Company can
secara besar-besaran oleh nasabah anticipate large withdrawals of funds that
dimana Perusahaan juga memantau will be made by depositors.
50 deposan inti, dengan cara
mengevaluasi profil dan perilaku dari
deposan-deposan tersebut sehingga
Perusahaan dapat melakukan antisipasi
terhadap penarikan dana besar yang akan
dilakukan deposan.
Untuk mengetahui dampak perubahan To determine the impact of changes in
faktor pasar maupun faktor internal pada market factors as well as internal factors on
kondisi ekstrim terhadap likuiditas, extreme conditions on liquidity, the
Perusahaan melakukan stress testing Company conducts stress testing of
Risiko Likuiditas secara berkala. Hasil Liquidity Risk on a regular basis. The
stress testing selanjutnya disampaikan results of stress testing are then submitted
kepada manajemen. Sampai dengan saat to management. To date, the Company has
ini, Perusahaan tidak pernah mengalami never experienced liquidity problems or
kesulitan likuiditas maupun kondisi yang conditions that could potentially pose a risk
berpotensi menimbulkan risiko bagi to the Company. If there is a potential risk,
Perusahaan. Apabila terdapat potensi the Company has an Emergency Funding
risiko, Perusahaan telah memiliki Rencana Plan (Contingency Funding Plan) to avoid
Pendanaan Darurat (Contingency Funding liquidity problems. the Company has a
Plan) untuk menghindari terjadinya number of anticipatory measures, such as
kesulitan likuiditas. Perusahaan memiliki the availability of statutory reserves,
sejumlah upaya antisipasi seperti secondary reserves, and good penetration
ketersediaan Giro Wajib Minimum, of the interbank market.
Cadangan Sekunder, serta penetrasi yang
baik terhadap pasar antar Perusahaan.
- 148 -
Kewajiban Perusahaan dalam melakukan The Company's obligations in calculating

perhitungan dan menyampaikan and submitting this report have been
pelaporan ini telah disampaikan dan submitted and socialized to Asset-Liabilities
disosialisasikan kepada Asset-Liabilities Committee (ALCO) members, Asset-
Committee (ALCO) member, Asset- Liabilities Management (ALMA) members
Liabilities Management (ALMA) member which include business units and support
yang meliputi unit bisnis dan unit units, as well as to the Company's
pendukung, serta kepada Direksi Directors. The Company's readiness to
Perusahaan. Kesiapan Perusahaan comply with Liquidity Coverage Ratio
dalam rangka memenuhi pelaporan (LCR), Net Stable Funding Ratio (NSFR)
Liquidity Coverage Ratio (LCR), Net and Interest Rate Risk in Banking Book
Stable Funding Ratio (NSFR) dan Interest (IRRBB), the Company has carried out
Rate Risk in Banking Book (IRRBB), several strategies and follow-up actions,
Perusahaan telah melakukan beberapa including building a system used to
strategi dan tindak lanjut antara lain generate LCR and NSFR calculations and
berupa membangun sistem yang planning to purchase a system to perform
digunakan untuk menghasilkan IRBBB calculations with the aim that all
perhitungan LCR dan NSFR serta calculations are carried out automatically in
berencana membeli sistem untuk order to convey risk information that is
melakukan perhitungan IRBBB dengan accurate, effective, in accordance with the
tujuan semua perhitungan dilakukan provisions regulated by the regulator, and
secara otomasi guna menyampaikan timely and minimizes the potential for
informasi risiko yang akurat, efektif, sesuai operational risk.
ketentuan yang diatur oleh regulator, dan
tepat waktu serta meminimal potensi
terjadinya risiko operasional.
d. Risiko Operasional d. Operational Risk
Risiko operasional adalah risiko yang Operational risk is the risk caused by,
antara lain disebabkan ketidakcukupan among others, insufficient and/or
dan/atau tidak berfungsinya proses malfunctioning of internal processes,
internal, kesalahan manusia, kegagalan human error, system failure, or external
sistem, atau adanya problem eksternal problems affecting the Company’s
yang mempengaruhi operasional operations.
Perusahaan.
Risiko operasional dapat menimbulkan Operational risks may cause financial loss
kerugian keuangan maupun non- directly or indirectly, and the potential
keuangan secara langsung maupun tidak losses for the loss of opportunity to earn a
langsung dan kerugian potensial atas profit. Operational risk can also be attached
hilangnya kesempatan memperoleh to each functional activity of the Company,
keuntungan. Risiko operasional juga dapat such as lending activities, treasury and
melekat pada setiap aktivitas fungsional investment, operations and services, trade
Perusahaan, seperti kegiatan perkreditan financing, funding and debt instruments,
(penyediaan dana), treasuri dan investasi, Information Systems Technology and
operasional dan jasa, pembiayaan Management Information Systems, and HR
perdagangan, pendanaan dan instrumen management.
utang, Teknologi Sistem Informasi dan
Sistem Informasi Manajemen, serta
pengelolaan sumber daya manusia.
Kebijakan dan prosedur yang terkait Policies and procedures related to the
dengan pengelolaan risiko operasional di management of operational risk in the
Perusahaan senantiasa disusun, dikaji Company is always prepared, reviewed and
ulang dan disempurnakan untuk refined to ensure sufficient control
memastikan kecukupan mekanisme mechanisms on all policies and procedures
kontrol pada semua kebijakan dan are adequate. The Company also actively
prosedur telah memadai. Perusahaan juga socializing to build risk awareness and
secara aktif melakukan sosialisasi untuk improve quality control in order to mitigate
membangun budaya sadar risiko dan operational risk.
meningkatkan kualitas kontrol dalam
rangka mitigasi risiko operasional.
- 149 -
Pengembangan sistem dan penerapan System development and implementation

perangkat risiko operasional untuk of operational risk tools to measure risk
mengukur eksposur risiko pada kondisi exposure in current, past (historical)
sekarang, lampau (historis) dan untuk conditions and to measure the magnitude
mengukur besarnya potensi kejadian risiko of potential risk events in the future. With
di masa depan. Dengan pendekatan ini, this approach, the Company is expected to
diharapkan Perusahaan dapat lebih be more comprehensive in managing
komprehensif dalam mengelola risiko operational risk.
operasional.
Proses identifikasi, pengukuran, The process of identification, measurement,

pemantauan dan pengendalian risiko monitoring and control of operational risk is
operasional ditingkatkan dengan improved by involving the first line/work unit
melibatkan lini pertama/unit kerja yang which is carried out through employee
dilakukan melalui training karyawan mulai training from staff level to officials, reviews
dari level staff sampai dengan pejabat, of operational policies/procedures, risk
review terhadap kebijakan/prosedur assessment on the issuance of new
operasional, risk assessment atas products and/or activities of the Company,
penerbitan produk dan/atau aktivitas baru as well as opinions from the Director of
Perusahaan, serta opini dari Direktur Compliance and the Director of Risk
Kepatuhan dan Direktur Manajemen Management regarding the issuance of the
Risiko terkait dengan penerbitan produk new product and/or activity.
dan/atau aktivitas baru tersebut.
Perangkat risiko operasional yang The operational risk tools used by the
digunakan oleh Perusahaan antara lain: Company include:
 Loss Event Database (LED)  Loss Event Database (LED)

Perusahaan membangun dan The Company builds and develops
mengembangkan perangkat risiko other operational risk tools such as
operasional lainnya seperti Loss Loss Event Database (LED) which
Event Database (LED) yang aims to compile a database of events
tujuannya untuk menyusun database that occur as a result of operational
atas kejadian-kejadian yang terjadi risk and measure the amount of
sebagai akibat risiko operasional losses caused by these operational
serta mengukur besarnya kerugian events. Monitoring is carried out
yang diakibatkan oleh kejadian continuously and LED reporting is
operasional tersebut. Monitoring carried out regularly.
dilakukan secara terus menerus dan
pelaporan LED dilakukan secara
berkala.
 Risk Control Self Assessment  Risk Control Self Assessment

(RCSA) (RCSA)
Risk Control Self Assessment Risk Control Self Assessment (RCSA)
(RCSA) merupakan merupakan is a tool and mechanism that aims to
suatu alat dan mekanisme yang identify risks and measure the
bertujuan untuk melakukan effectiveness of the implementation of
identifikasi risiko dan pengukuran controls that will result in an
atas efektivitas pelaksanaan kontrol assessment of the level of risk. RCSA
yang akan menghasilkan penilaian is carried out regularly and
atas tingkat risiko. RCSA dilakukan continuously to improve effectiveness
secara berkala dan berkelanjutan and efficiency in its implementation.
untuk meningkatkan efektivitas dan
efisiensi dalam pelaksanaannya.
- 150 -
 Key Risk Indicator (KRI)  Key Risk Indicator (KRI)

Key Risk Indicator (KRI). KRI adalah Key Risk Indicator (KRI). KRI is one of
salah satu perangkat untuk the tools for managing operational risk
mengelola risiko operasional yang which is used to identify or provide an
digunakan untuk mengidentifikasi indicator (early warning signal) and
atau memberikan suatu indikator analyze risk from an early age on the
(early warning signal) dan ups and downs of risk level indicators
menganalisa risiko sejak dini atas in order to control any operational risk
naik turunnya indikator-indikator inherent in every business and
tingkat risiko dalam rangka operational activity of the Company.
pengendalian setiap risiko KRI reporting is carried out
operasional yang melekat pada periodically to the management.
setiap aktivitas bisnis dan
operasional Perusahaan. Pelaporan
KRI dilakukan secara berkala kepada
pihak manajemen.
 Risk Appetite & Risk Tolerance  Risk Appetite & Risk Tolerance
Perusahaan juga menetapkan The Company also establishes the
kebijakan limit Risk Appetite dan applicable Risk Appetite and Risk
Risk Tolerance yang berlaku untuk Tolerance limit policies to limit the
membatasi risiko yang dapat diterima risks that can be accepted by the
oleh Perusahaan, menetapkan Company, sets risk limits and controls
batasan risiko dan pengendalian in the hope of not causing losses to
dengan harapan tidak menimbulkan the Company.
kerugian bagi Perusahaan.
e. Risiko Hukum e. Legal Risk
Risiko hukum adalah risiko yang timbul Legal risk is the risk arising from the
dari kelemahan aspek hukum, antara lain weakness of the legal aspects, partly as a
akibat dari tindakan hukum, tidak adanya result of legal action, the absence of
peraturan yang mendukung atau regulations that favor or disadvantage of
kelemahan dari ketentuan-ketentuan yang the terms of a legally binding, such as
mengikat secara hukum, seperti failure to comply with the legal
kegagalan untuk mematuhi persyaratan requirements of a treaty and the cracks in
hukum suatu perjanjian dan celah-celah the binding guarantee.
dalam pengikatan jaminan.
Pelaksanaan identifikasi, pengukuran, Implementation of the identification,

dan pemantauan terhadap potensi measurement, and monitoring of potential
risiko hukum dilaksanakan terhadap legal risks undertaken by all the Company's
seluruh aktivitas Perusahaan, terutama activities, especially the Company's
kegiatan operasional Perusahaan dengan operational activities involving third parties
melibatkan pihak ketiga yang memiliki who have a conflict of interest or potential
potensi benturan kepentingan atau litigation.
gugatan hukum.
Untuk memitigasi terjadinya potensi risiko To mitigate potential legal risks, the
hukum, Perusahaan melakukan kajian Company conducts studies on the
terhadap kesesuaian perjanjian kerjasama suitability of cooperation agreements with
dengan pihak eksternal, menyempurnakan external parties, refines policies and
kebijakan dan prosedur agar sejalan procedures to be in line with applicable
dengan ketentuan perundang-undangan laws and regulations. Monitoring is carried
yang berlaku. Dilakukan pemantauan atas out on the settlement of legal cases in the
penyelesaian perkara hukum yang ada di Court and the Police, assistance/
Pengadilan maupun Pihak Kepolisian, attendance in every trial or summons to the
pendampingan/kehadiran dalam setiap police.
persidangan atau panggilan kepolisian.
- 151 -
f. Risiko Stratejik f. Strategic Risk
Risiko stratejik adalah risiko yang antara Strategic risk arises from insufficient decree
lain disebabkan oleh adanya penetapan and implementation of the Company’s
dan pelaksanaan strategi Perusahaan strategies, incorrect business decision, or
yang tidak tepat, pengambilan keputusan irresponsiveness to external changes.
bisnis yang tidak tepat atau kurang
responsifnya Perusahaan terhadap
perubahan eksternal.
Perusahaan telah menyusun strategi dan The Company has formulated the business
rencana bisnis yang sebelumnya telah strategies and plans based on discussions
didiskusikan dengan Dewan Komisaris, from the Board of Commissioners,
Direksi serta seluruh manajemen Directors and all of Company’s
Perusahaan. Perusahaan juga melakukan management. The Company also reviews,
kajian dan evaluasi stratejik bisnis serta evaluate business strategy and its
realisasi yang telah dicapai oleh realization achieved by the Company
Perusahaan sesuai dengan yang based on the Company’s Business Plan.
terangkum dalam Rencana Bisnis
Perusahaan.
Secara umum, untuk posisi 31 Desember In general, for the position of December 31,
2021, pos-pos keuangan sudah mencapai 2021, financial posts have achieved good
realisasi yang baik seperti total aset dana realization, such as total assets, third party
pihak ketiga serta laba bersih. Namun funds and net profits. However, it is still
demikian, masih perlu dilakukan necessary to make improvements to the
penyempurnaan pada seluruh proses entire process of the Company's business
aktivitas bisnis Perusahaan untuk lebih activities to further accelerate the
mengakselerasi pencapaian kinerja sesuai achievement of performance in accordance
dengan target yang ditentukan. with the determined targets.
Sesuai dengan rencana stratejik In accordance with the Company's strategic

Perusahaan, maka Perusahaan mulai plan, the Company began to prepare
mempersiapkan strategi dan infrastruktur strategies and infrastructure related to
terkait beberapa rencana aktivitas several Company activity plans such as
Perusahaan seperti Spin Off Unit Usaha Spin Off of Sharia Business Units (UUS) to
Syariah (UUS) menjadi Bank Umum become Sharia Commercial Banks (BUS),
Syariah (BUS), Digital Banking dan Digital Digital Banking and Digital Loans.
Loan.
Terkait dengan kondisi Pandemi Covid 19 In relation to the Covid 19 Pandemic

pada Tahun 2020 yang masih dialami condition in 2020 which is still being
pada Triwulan IV–Desember 2021, experienced in Quarter IV–December 2021,
sejumlah strategi dalam rangka a number of strategies in order to maintain
mempertahankan kinerja Perusahaan the Company's performance, such as
seperti mengambil langkah antisipatif taking steps to anticipate the spread of the
penyebaran virus di lingkungan kantor virus in the office environment by
dengan melakukan split operation unit conducting critical unit split operations,
critical, work from home, dan tindakan work from home, and other preventive
pencegahan lainnya. Dari sisi bisnis, measures. From the business side, the
Perusahaan juga selalu menjaga prinsip Company also always maintains the
kehati-hatian dalam menyalurkan kredit principle of prudence in disbursing credit by
dengan pemberian kredit secara lebih providing more selective credit, carrying out
selektif, adanya pelaksanaan restructuring and maintaining the
restrukturisasi serta menjaga likuiditas dan Company's liquidity and capital at an
permodalan Perusahaan pada level yang adequate level so that the Company's
memadai sehingga aktivitas operasional operational and business activities can run
dan bisnis Perusahaan dapat berjalan smoothly.
dengan lancar.
- 152 -
g. Risiko Kepatuhan g. Compliance Risk
Risiko kepatuhan merupakan risiko yang Compliance risk is the risk caused by the
disebabkan Perusahaan tidak mematuhi Company not complying or not
atau tidak melaksanakan peraturan implementing the prevailing laws and
perundang-undangan dan ketentuan lain regulations, such as Net Open Position
yang berlaku, seperti Posisi Devisa Neto (PDN), Minimum Statutory Reserves
(PDN), Giro Wajib Minimum (GWM), NPL (GWM), NPL (Non-Performing Loan) Netto,
(Non-Performing Loan) Netto, Ketentuan Provisions for Minimum Capital Adequacy
Kewajiban Penyediaan Modal Minimum Rasio (CAR), Maximum Credit Lending
(KPMM), Batas Maksimum Pemberian Limit (LLL).
Kredit (BMPK).
Dalam rangka menerapkan manajemen In order to implement an effective

risiko kepatuhan yang efektif, Perusahaan compliance risk management, the
telah melakukan identifikasi dan Company identifies and manages the
pengelolaan terhadap faktor-faktor yang factors that can cause the increment in risk
dapat menyebabkan meningkatnya exposure in compliance, as follows:
eksposur risiko kepatuhan, yaitu:
 Meningkatkan kesadaran atas  Increase awareness of the culture of

budaya patuh melalui program compliance through a compliance
kampanye kepatuhan (Compliance campaign program (Compliance
Campaign) yang dilakukan ke Campaign) carried out at all levels of
seluruh jajaran organisasi the Company's organization including
Perusahaan termasuk jaringan branch networks through classroom
cabang melalui pelatihan kelas dan training and E-Learning, internal
E-Learning, media komunikasi communication media, dissemination
internal, sosialisasi peraturan baru of new regulations from regulators
dari regulator maupun Peraturan and other laws and regulations.
perundang-undangan lainnya. Evaluation of training programs,
Evaluasi terhadap program socialization and compliance
pelatihan, sosialisasi dan kampanye campaigns is carried out regularly to
kepatuhan dilakukan secara berkala ensure the effectiveness of the
untuk memastikan efektifitas delivery, understanding and
penyampaian, pemahaman serta compliance of all levels of the
pemenuhan kepatuhan pada seluruh Company's organization.
jajaran organisasi Perusahaan.
 Menyusun dan menerbitkan Manual  Prepare and publish Manual Level as
Level sebagai panduan hirarki a hierarchy guide for internal
ketentuan internal serta panduan regulations as well as guidelines for
unit-unit kerja Perusahaan dalam the Company work units in preparing,
menyusun, menerbitkan serta publishing and reviewing internal
mereview ketentuan internal. regulations.
 Review terhadap seluruh ketentuan  Review process is carried out on all
internal Perusahaan untuk internal regulations of the Company to
memastikan kesesuaian dengan ensure compliance with the latest
ketentuan regulator yang terkini, regulatory provisions, ensure that
memastikan tidak adanya ketentuan there are no overlapping or conflicting
yang tumpang tindih atau saling provisions, increase risk control and
bertentangan, meningkatkan kontrol simplify the process and number of
risiko serta simplifikasi proses dan regulations.
jumlah aturan.
- 153 -
 Melakukan pemantauan,  Monitoring, deepening impact

memperdalam analisa dampak serta analysis and formulating effective
menyusun tindak lanjut yang efektif follow-up on new regulations issued
atas peraturan baru yang diterbitkan by OJK, Bank Indonesia and other
OJK, Bank Indonesia dan regulator regulators. Dissemination and
lainnya. Sosialisasi dan komunikasi communication of new laws and
atas peraturan perundang-undangan regulations, impact analysis and
baru, analisa dampak serta tindak follow-up are carried out both through
lanjut dilakukan baik melalui direct meetings with related units and
pertemuan langsung dengan unit-unit through internal communication media
terkait maupun melalui media that are conveyed to the board of
komunikasi internal yang directors, commissioners, executive
disampaikan ke jajaran direksi, officers, management employees and
komisaris, pejabat eksekutif, all the Company’s employees.
karyawan pimpinan maupun seluruh
karyawan Perusahaan.
h. Risiko Reputasi h. Reputation Risk
Risiko reputasi adalah risiko yang antara Reputation risk arises from negative
lain disebabkan oleh adanya publikasi publication due to the Company’s activity or
negatif yang terkait dengan kegiatan negative perception on the Company.
usaha Perusahaan atau persepsi negatif
terhadap Perusahaan.
Salah satu upaya yang dilakukan One of the Company’s efforts to improve
Perusahaan untuk meningkatkan reputation risk management is through the
pengelolaan risiko reputasi antara lain Contact Center to provide banking
melalui Contact Center untuk memberikan information services as well as to
layanan informasi perbankan serta receive complaints/customer’s complaints,
menerima keluhan/pengaduan nasabah, Corporate Secretary that provide
Corporate Secretary yang memberikan information that needs to be communicated
informasi yang perlu disampaikan kepada to public/stakeholders related to the
publik/stakeholders terkait aktivitas Company’s activity, as well as officers in
Perusahaan, serta petugas di kantor- the office brances that at any time can
kantor cabang yang setiap saat dapat provide information to customers.
memberikan informasi kepada nasabah.
Selain itu pengendalian risiko reputasi In addition, the reputation risk control is
juga dilakukan antara lain dengan melalui also conducted, among others, through
pemantauan yang dilakukan oleh Unit monitoring conducted by the Corporate
Kerja Corporate Secretary terhadap berita Secretary Working Unit on news related to
yang berkaitan dengan Perusahaan di the Company in mass media.
media massa.
Transparansi produk yang ditawarkan Transparency of products offered to

kepada nasabah sesuai dengan Peraturan customers is in accordance with Bank
Bank Indonesia mengenai Transparansi Indonesia Regulations regarding product
produk melalui website Perusahaan, serta transparency through the Company's
upaya peningkatkan standar layanan website, as well as efforts to improve
nasabah dengan melakukan service customer service standards by conducting
excellence training kepada para petugas, service excellence training to officers,
adanya unit kerja Service Quality (SQ) providing Service Quality (SQ) work units to
yang bertugas untuk memastikan kualitas ensure the quality of services provided by
pelayanan yang diberikan oleh petugas bank officers to customers and the
bank kepada nasabah serta terdapatnya existence of Quality Assurance in Contact
Quality Assurance pada unit kerja Contact Center work units to ensure the quality of
Center untuk memastikan kualitas services from Call Center Agents and
pelayanan dari Agent Call Center maupun Telemarketing Agents.
Agent Telemarketing.
- 154 -
Mengingat bahwa Perusahaan juga Given that the Company also has a Sharia
memiliki Unit Usaha Syariah (UUS) maka Business Unit (UUS), risk management is
pengelolaan risiko tidak hanya dilakukan not only carried out on 8 (eight) risks, but
pada 8 (delapan) risiko, akan tetapi there are additional 2 (two) types of other
terdapat tambahan 2 (dua) jenis risiko risks that are managed, namely:
lainnya yang dikelola yaitu:
Risiko Investasi Investment Risk
Risiko Investasi adalah Risiko akibat Investment Risk is the risk due to the
Perusahaan ikut menanggung kerugian Company sharing in the loss of the
usaha nasabah yang dibiayai dalam customer's business financed in profit-
pembiayaan berbasis bagi hasil baik yang sharing based financing using the net
menggunakan metode net revenue revenue sharing method or the profit and
sharing maupun yang menggunakan loss sharing method.
metode profit and loss sharing.
Risiko investasi UUS Sinarmas telah The investment risk of UUS Sinarmas has
dilakukan pengelolaan secara cukup baik. been managed quite well. UUS also
UUS juga terus meningkatkan proses continues to improve the management
pengelolaan dalam pembiayaan terutama process in financing, especially in the
pada proses analisa pembiayaan, process of financing analysis, monitoring,
pemantauan, dan sistem administrasi and the UUS financing administration
pembiayaan UUS. system.
Risiko Imbal Hasil Rate of Return Risk
Risiko imbal hasil (Rate of Return Risk) Rate of Return Risk is the risk due to
adalah Risiko akibat perubahan tingkat changes in the rate of return paid by the
imbal hasil yang dibayarkan Perusahaan Company to customers, due to changes in
kepada nasabah, karena terjadi the level of returns received by the
perubahan tingkat imbal hasil yang Company from channeling funds, which can
diterima Perusahaan dari penyaluran affect the behavior of the Company's third
dana, yang dapat mempengaruhi perilaku party fund customers. UUS Sinarmas yield
nasabah dana pihak ketiga Perusahaan. risk management has been well managed.
Pengelolaan risiko imbal hasil UUS UUS also continues to strive to further
Sinarmas telah dikelola secara baik. UUS improve its ability to provide returns in
juga terus berupaya untuk semakin accordance with customer expectations.
meningkatkan kemampuan dalam
memberikan tingkat imbal hasil sesuai
dengan ekspektasi nasabah.
Selain itu, Perusahaan juga merupakan In addition, the Company is also the Main
Entitas Utama (EU) dalam Konglomerasi Entity (EU) in the Sinar Mas Financial
Keuangan Sinar Mas. Pengelolaan risiko Conglomerate. Risk management by the
oleh EU dalam konglomerasi keuangan EU in financial conglomerates is carried out
dilakukan dengan menambahkan risiko by adding other risks besides the 8 (eight)
lain selain 8 (delapan) risiko utama yaitu main risks, namely in the form of Intra-
berupa Risiko Transaksi Intra-grup dan group Transaction Risk and Insurance Risk.
Risiko Asuransi.
- 155 -
Risiko Transaksi Intra-grup adalah risiko Intra-group Transaction Risk is the risk due
akibat ketergantungan suatu entitas baik to the dependence of an entity, either
secara langsung maupun tidak langsung directly or indirectly, on another entity in a
terhadap entitas lainnya dalam satu Financial Conglomeration in the context of
Konglomerasi Keuangan dalam rangka fulfilling the obligations of a written
pemenuhan kewajiban perjanjian tertulis agreement or an unwritten agreement,
maupun perjanjian tidak tertulis baik yang whether followed by a transfer of funds
diikuti perpindahan dana dan/atau tidak and/ or not followed by a transfer of funds.
diikuti perpindahan dana. Dalam In the management of these intragroup
pengelolaan transaksi intragrup tersebut transactions, the Company always puts
Perusahaan selalu mengedepankan forward principles, such as approval for
prinsip-prinsip antara lain seperti adanya each transaction in accordance with the
persetujuan untuk setiap transaksi sesuai authority of each entity, transactions are
dengan kewenangan di masing-masing carried out in accordance with prudential
entitas, transaksi dilaksanakan sesuai principles and arm length principles and in
prinsip kehati-hatian dan prinsip arm accordance with regulatory procedures and
length serta sesuai dengan prosedur regulations.
maupun ketentuan regulator.
Risiko asuransi adalah risiko akibat Insurance risk is the risk due to failure of
kegagalan perusahaan asuransi the insurance company to fulfill its
memenuhi kewajiban kepada pemegang obligations to policyholders as a result of
polis sebagai akibat dari ketidakcukupan inadequate risk selection processes
proses seleksi risiko (underwriting), (underwriting), determination of premiums
penetapan premi (pricing), penggunaan (pricing), use of reinsurance, and / or
reasuransi, dan/atau penanganan klaim. handling of claims. Insurance risk is
Risiko asuransi dikelola mengingat managed considering that in a financial
didalam konglomerasi keuangan terdapat conglomerate there is a financial service
lembaga jasa keuangan berupa institution in the form of an insurance
Perusahaan asuransi. company.
i. Penilaian Profil Risiko i. Risk Profile Assessment
Secara berkala Perusahaan melakukan The Company periodically conducted risk

penilaian risiko terhadap kedelapan risiko assessment of the eighth risk above per
diatas sebagaimana telah diatur oleh OJK. OJK’s regulation. The Company’s risks
Penilaian risiko dilakukan melalui proses assessment is evaluated through self
penilaian sendiri (self-assessment) untuk assessment process to produce a risk
menghasilkan profil risiko yang terdiri dari profile which consists of inherent risks to
risiko inheren yaitu risiko yang melekat the Company’s activity and the quality of
pada aktivitas Perusahaan dan kualitas risk management implementation i.e.
penerapan manajemen risiko yaitu control of inherent risk.
pengendalian terhadap risiko inheren.
Seluruh hasil penilaian profil risiko bank All results of the assessment of the risk
dan Unit Usaha Syariah (UUS) profile of the bank and sharia business unit
disampaikan kepada Komite Manajemen are submitted to the Risk Management
Risiko serta Komite Pemantau Risiko, Committee and the Risk Monitoring
untuk kemudian disampaikan kepada Committee, to be submitted to the Financial
Otoritas Jasa Keuangan (OJK) secara Services Authority (OJK) on a quarterly
triwulanan. basis.
- 156 -
45. Informasi Lainnya 45. Other Information
Perusahaan telah menghitung beberapa rasio Company has calculated certain ratios as of
pada tanggal 31 Desember 2021, 2020 dan December 31, 2021, 2020 and 2019 (unaudited)
2019 (tidak diaudit) sebagai berikut: as follow:
2021 2020 2019
Aset produktif bermasalah terhadap Impaired productive assets to

total aset produktif 1,80% 3,70% 6,32% total productive assets
Non Performing Loan (NPL) Non Performing Loan (NPL)
NPL secara bruto 4,64% 4,75% 7,83% NPL gross
NPL secara neto 1,18% 1,39% 4,33% NPL net
Loan to Deposit Ratio (LDR) 41,22% 56,97% 81,95% Loan to Deposit Ratio (LDR)
Return On Assets (ROA) 0,34% 0,30% 0,23% Return On Assets (ROA)
Return On Equity (ROE) 2,02% 2,25% 0,14% Return On Equity (ROE)
Cadangan kerugian penurunan Allowance for impairment
nilai kredit terhadap kredit losses of net loans to
yang diberikan 9,02% 7,81% 5,26% total loans
a. Pada tanggal 31 Desember 2021, 2020 a. As of December 31, 2021, 2020 and 2019,
dan 2019, tidak terdapat penyediaan dana there are no loans granted to related and
kepada pihak berelasi dan pihak ketiga third parties which had exceeded the
yang melampaui Batas Maksimum Company’s Legal Lending Limit (LLL).
Pemberian Kredit (BMPK).
b. Penerapan Program Anti Pencucian Uang b. Application of Anti-Money Laundering and

dan Pencegahan Pendanaan Terorisme Combating the Financing of Terrorism (APU
(APU dan PPT) and PPT)
Perusahaan senantiasa menerapkan The Company continues to apply the

prinsip APU dan PPT dalam pelaksanaan principle of APU and PPT in the
aktivitas pengenalan nasabah dengan implementation of customer recognition
mengacu pada kebijakan dan prosedur activities with reference to the policies and
APU dan PPT yang telah disempurnakan procedures for APU and PPT that has been
sesuai dengan Peraturan Bank Indonesia perfected in accordance with Bank
No. 14/27/PBI/2012 tentang Penerapan Indonesia Regulation No. 14/27/PBI/2012 on
Program Anti Pencucian Uang dan Application of Anti-Money Laundering and
Pencegahan Pendanaan Terorisme Bagi Combating the Financing of Terrorism for
Bank Umum. Commercial Bank.
Kewajiban untuk menerapkan prinsip APU The obligation to apply the principles of APU
dan PPT tidak hanya terdapat dalam and PPT is not only contained in the
Peraturan Bank Indonesia saja, tetapi juga Regulation of Bank Indonesia, but also
ditegaskan dalam Undang-Undang Nomor affirmed in Law No. 8 of 2010 on the
8 Tahun 2010 tentang Pencegahan dan Prevention and Suppression of Money
Pemberantasan Tindak Pidana Pencucian Laundering (Article 19), which basically
Uang (Pasal 19), yang pada intinya stated that any person doing business with
menjelaskan bahwa setiap orang yang financial service providers must submit a
melakukan usaha dengan penyedia jasa complete identity, besides financial services
keuangan harus menyerahkan identitas diri providers should also make sure people who
secara lengkap, disamping itu penyedia engage in business relations act for yourself
jasa keuangan juga harus memastikan or others. If acting for others, then financial
orang yang melakukan hubungan usaha services providers should request
bertindak untuk diri sendiri atau orang lain. information about the identity of the other
Jika bertindak untuk orang lain, maka party.
penyedia jasa keuangan harus meminta
informasi mengenai identitas pihak lain
tersebut.
- 157 -
Perusahaan akan terus memastikan bahwa The Company will continue to ensure that
kebijakan dan prosedur tertulis mengenai the policies and procedures of the APU and
program APU dan PPT sejalan dengan PPT programs in line with the development
perkembangan modus pencucian uang mode of money laundering or terrorist
atau pendanaan terorisme. financing.
Pengkinian terhadap seluruh data nasabah Updating of all customer data by the
dilakukan Perusahaan secara terus- Company on an ongoing basis using an
menerus dengan menggunakan approach based on the risk inherent in the
pendekatan berdasarkan risiko yang development of the client and updating
melekat pada nasabah yang bersangkutan customer data submitted to Bank Indonesia
dan perkembangan pengkinian data through the Director of Compliance Reports.
nasabah dikirimkan oleh Perusahaan
kepada Bank Indonesia melalui Laporan
Direktur Kepatuhan.
Pelatihan secara berkala kepada seluruh Periodic training to all employees regarding
karyawan Perusahaan mengenai APU dan the APU and PPT and prudential banking
PPT dan peraturan prudential banking regulations made by the Compliance Unit in
dilakukan oleh Unit Kepatuhan guna order to create a culture of compliance in all
mewujudkan budaya kepatuhan pada business lines of the Company. Training is
seluruh lini bisnis Perusahaan. Pelatihan done throughe-learning that can be
dilakukan melalui e-learning yang dapat accessed by employees of the Company
diakses oleh karyawan Perusahaan serta and through face-to-face method
melalui metode tatap muka secara periodik. periodically.
c. Jaminan Pemerintah Terhadap Liabilitas c. Government Guarantee on Obligations of

Pembayaran Bank Umum Private Banks
Program penjaminan Pemerintah Government guarantee program is

dilaksanakan oleh Lembaga Penjamin implemented by the Deposit Guarantor
Simpanan (LPS). Agency (LPS).
LPS akan membayarkan klaim penjaminan The Deposit Guarantor Agency will settle the
yang layak dibayar setelah melalui qualified guaranteed claims based on results
prosedur rekonsiliasi dan/atau verifikasi of reconciliation and/or verification
sesuai dengan Peraturan Lembaga procedures in accordance with prevailing
Penjamin Simpanan (PLPS) yang berlaku. Deposit Guarantor Agency Regulations.
46. Informasi Keuangan Unit Syariah 46. Financial Information of Sharia Unit
Perusahaan memperoleh izin usaha sebagai The Company obtained its license to conduct
bank yang melakukan kegiatan usaha business under sharia principles based on the
berdasarkan prinsip syariah berdasarkan Surat Decree from Deputy Governor of Bank Indonesia
Keputusan Deputi Gubernur Bank Indonesia No. 11/13/Kep.DpG/2009 dated October 27,
No. 11/13/Kep.DpG/2009 tanggal 2009.
27 Oktober 2009.
Sesuai dengan Surat dari BI No.10/57/DpG/ In accordance with BI Letter No.10/57/DpG/

DPbS tanggal 27 Mei 2008 perihal DPbS dated May 27, 2008 regarding “Uniformity
”Penyeragaman Nama Produk dan Jasa of Names of Products and Services under
Perbankan Syariah”, mulai bulan September Islamic Banking”, starting in September 2008,
2008, semua produk syariah/jasa perbankan all islamic products and services under Islamic
syariah diseragamkan menjadi Islamic banking should become homogenized Islamic
Banking (iB). banking (iB).
- 158 -
Informasi keuangan unit syariah pada tanggal Financial information of sharia units as of
31 Desember 2021, 2020 dan 2019, adalah December 31, 2021, 2020 and 2019, follows:
sebagai berikut:
2021 2020 2019

Aset Assets
Kas 7.971 10.639 10.907 Cash
Giro pada Bank Indonesia 218.934 270.460 187.355 Bank Indonesia
Penempatan pada bank syariah lain Placements with other sharia banks
dan Bank Indonesia 1.170.000 403.000 26.200 and Bank Indonesia
Efek-efek - bersih 559.421 354.911 387.413 Securities - net
Piutang iB - bersih 4.926.959 4.813.915 3.457.869 iB receivable - net
Penyertaan modal sementara - 281.405 318.345 Temporary Investment
Pendapatan yang masih akan diterima 27.898 17.458 18.796 Accrued income
Biaya dibayar dimuka 24.170 23.806 32.380 Prepaid expenses
Aset tetap - bersih 37.259 45.345 53.656 Property and equipment - net
Aset ijarah - bersih 396.386 463.152 628.023 Ijarah assets - net
Aset lain-lain 13.779 218.924 80.430 Other assets
Jumlah 7.382.777 6.903.015 5.201.374 Total
Liabilitas segera 1.123 6.484 3.839 Liabilities immediately payable
Simpanan iB 283.937 188.264 212.506 iB deposits
Simpanan dari bank lain 27 613 4 Deposits from other banks
Utang pajak 8.480 11.908 3.257 Tax payable
Pendapatan diterima di muka 16.335 21.705 20.900 Unearned income
Liabilitas lain-lain 8.826 11.301 11.513 Other liabilities
Dana Syirkah Temporer Temporary Syirkah Funds
Simpanan iB 6.507.363 5.992.639 3.567.660 iB deposits
Simpanan dari bank lain 5.533 4.641 531.514 Deposits from other banks
Ekuitas Equity
Dana usaha 452.295 615.709 823.610 Business funds
Saldo laba 98.858 49.751 26.571 Retained earnings
Jumlah 7.382.777 6.903.015 5.201.374 Total
Laba Rugi dan Penghasilan Statement of Comprehensive Income

Komprehensif Lain and Other Comprehensive Income
Pendapatan bagi hasil 695.070 667.797 579.656 Profit sharing income
Beban bagi hasil (214.579) (206.870) (183.343) Profit sharing expenses
Penghasilan setelah bagi hasil 480.491 460.927 396.313 Income after profit sharing
Pendapatan lainnya 144.306 114.969 94.557 Other income

Beban lainnya (513.338) (513.348) (451.503) Other expenses
Laba bersih 111.459 62.548 39.367 Net Income
Termasuk dalam pendapatan bagi hasil adalah Included in profit sharing is fee from distribution
komisi dari transaksi penyaluran dana terikat of unrestricted fund transaction from customer
dari Nasabah Pemilik Dana (Shahibul Maal) that have fund (Shahibul Maal) that will be
yang akan disalurkan kepada nasabah distributed to owner client fund with requirements
pembiayaan dengan syarat-syarat sesuai yang specified which is determined by the owner of
ditentukan oleh pemilik dana, dimana the fund, which the Company acts as an agent or
Perusahaan berperan sebagai agen atau investment manager in channeling agent system
manajer investasi dalam system chanelling and not bear any risk on the distribution of funds.
agent dan tidak menanggung risiko apapun atas As of December 31 2021, 2020 and 2019, total
penyaluran dana tersebut. Pada tanggal of unrestricted fund transaction amounted to
31 Desember 2021, 2020 dan 2019, jumlah Rp 2,677,200, Rp 4,049,000 and Rp 4,631,622,
dana terkait yang dikelola Perusahaan adalah respectively.
sebesar Rp 2.677.200, Rp 4.049.000 dan
Rp 4.631.622.
- 159 -
47. Pengungkapan Tambahan Transaksi Bukan 47. Additional Disclosures of Non-Cash

Kas Transactions
Aktivitas investasi dan operasi yang tidak Non-cash investing and operating activities:
mempengaruhi kas dan setara kas:
2021 2020 2019
Penghapusbukuan kredit 651.735 1.668.612 1.513.131 Write-off of loans

Penghapusbukuan penyertaan modal
sementara 335.100 - - Write-off of temporary equity participant
Penghapusan tagihan akseptasi 119.800 - - Write-off of acceptance receivable
Penghapusbukuan aset tetap 39 134 251 Write-off of property and equipment
48. Standar Akuntansi Keuangan Baru dan 48. New Financial Accounting Standards and
Penyesuaian atas Laporan Keuangan Adjustment of Financial Statements
Perubahan Pernyataan Standar Akuntansi Changes to the Statements of Financial

Keuangan (PSAK) Accounting Standards (PSAK)
Diterapkan pada tahun 2021 Adopted during 2021
Penerapan standar akuntansi keuangan revisi The application of the following revised financial
berikut, yang berlaku efektif 1 Januari 2021, accounting standards, which are effective from
relevan bagi Perusahaan namun tidak January 1, 2021 and relevant for the Company,
menyebabkan perubahan signifikan atas but did not result in substantial changes to the
kebijakan akuntansi Perusahaan dan tidak Company’s accounting policies and had no
berdampak material terhadap jumlah-jumlah material effect on the amounts reported in the
yang dilaporkan dalam laporan keuangan: financial statements:
- Amendemen PSAK No. 55: Instrumen - Amendments to PSAK No. 55: Financial
Keuangan: Pengakuan dan Pengukuran, Instruments: Recognition and Measurement,
tentang Reformasi Acuan Suku Bunga – on Interest Rate Benchmark Reform –
Tahap 2 Phase 2
Keuangan: Pengungkapan, tentang Instruments: Disclosures, on Interest Rate
Reformasi Acuan Suku Bunga – Tahap 2 Benchmark Reform – Phase 2
Keuangan, tentang Reformasi Acuan Suku Instruments, on Interest Rate Benchmark
Bunga – Tahap 2 Reform – Phase 2
- Amendemen PSAK No. 73: Sewa, tentang - Amendments to PSAK No. 73: Leases, on
Reformasi Acuan Suku Bunga - Tahap 2 Interest Rate Benchmark Reform – Phase 2
- Amendemen PSAK No. 73: Sewa, tentang - Amendments to PSAK No. 73: Leases, on
Konsesi Sewa terkait Covid-19 Covid-19-related Rent Concessions
Diterapkan pada tahun 2020 Adopted during 2020
Penerapan standar akuntansi keuangan revisi The application of the following revised financial
berikut, yang berlaku efektif 1 Januari 2020, accounting standards, which are effective from
relevan bagi Perusahaan namun tidak January 1, 2020 and relevant for the Company,
menyebabkan perubahan signifikan atas but did not result in substantial changes to the
kebijakan akuntansi Perusahaan dan tidak Company’s accounting policies and had no
berdampak material terhadap jumlah-jumlah material effect on the amounts reported in the
yang dilaporkan dalam laporan keuangan: financial statements:
- Amandemen PSAK No. 1, Penyajian - Amendment to PSAK No. 1, Presentation of

Laporan Keuangan Financial Statements
- 160 -
- Penyesuaian Tahunan PSAK No. 1, - Annual Improvement to PSAK No. 1,

Penyajian Laporan Keuangan Presentation of Financial Statements
Penerapan standar akuntansi keuangan baru The application of the following new financial
berikut, yang berlaku efektif sejak tanggal accounting standards, which are effective from
1 Januari 2020, relevan bagi Perusahaan dan January 1, 2020, relevant for the Company, and
menyebabkan perubahan signifikan atas result in substantial changes to the Company’s
kebijakan akuntansi Perusahaan serta accounting policies and had material effect on
berdampak material terhadap jumlah-jumlah the amounts reported in the financial statements:
yang dilaporkan dalam laporan keuangan:
- PSAK No. 71, Instrumen Keuangan - PSAK No. 71, Financial Instruments
- PSAK No. 73, Sewa - PSAK No. 73, Lease
Penerapan PSAK No. 71 dan PSAK No. 73 Application of PSAK No. 71 and PSAK No. 73
Perusahaan menerapkan PSAK No. 71 dan The Company has applied PSAK No. 71 and
PSAK No. 73 secara efektif untuk tahun buku PSAK No. 73 effective for the financial year
yang dimulai pada 1 Januari 2020. beginning January 1, 2020.
Atas penerapan PSAK No. 71, Perusahaan The Company has applied PSAK No. 71 by
mengakui dampak kumulatif dari penerapan recognizing the cumulative effect of initially
awal standar baru sebagai penyesuaian applying the new standards as an adjustment to
terhadap saldo awal saldo laba sebagai berikut: the beginning balance of retained earnings as
follows:
Saldo laba
belum ditentukan
penggunaannya/
Unappropriated
retained earnings
Saldo 31 Desember 2019 1.768.702 Balance as at December 31, 2019

Penyesuaian saldo atas penerapan Opening balance adjustment upon initial
awal PSAK No. 71: application of PSAK No. 71:
Giro pada bank lain: Demand deposits with other banks:
Kenaikan cadangan kerugian penurunan nilai (140) Increase in provision - for impairment
Penempatan pada bank lain: Placements with other banks:
Efek-efek: Securities:
Kenaikan cadangan kerugian penurunan nilai (4.368) Increase in provision - for impairment
Allowance for expected credit losses -
Cadangan kerugian kredit ekspektasian-efek marketable securities for investment
efek untuk tujuan investasi pada nilai wajar purposes at fair value through other
melalui penghasilan komphensif lain (1.935) comprehensive income
Kredit yang diberikan dan piutang/
pembiayaan syariah: (688.208) Loan and receivables/sharia financing:
Kenaikan cadangan kerugian penurunan nilai Increase in provision - for impairment
Tagihan akseptasi: Acceptance receivables:
Estimated losses on commitment and
Es timasi komitmen & kontijensi: contingencies:
Kenaikan cadangan kerugian penurunan nilai (25.354) Increase in provision - for impairment
Dampak pajak terkait 136.853 Related tax impact
Saldo 1 Januari 2020 setelah penyesuaian Balance as at January 1, 2020 after
PSAK No. 71 1.185.278 adjustment for PSAK No. 71
- 161 -
Atas penerapan PSAK No. 73 secara efektif For application of PSAK No. 73 effective for the
untuk tahun buku yang dimulai pada 1 Januari financial year beginning January 1, 2020, the
2020, Perusahaan tidak menyajikan kembali Company has not restated comparative for the
angka-angka komparatif untuk periode previous reporting period as permitted under the
pelaporan sebelumnya sebagaimana specific transition provisions in the standard.
diperbolehkan berdasarkan ketentuan transisi
khusus dalam standar.
Tabel berikut menunjukkan saldo beberapa The following table shows the balance of several
pos-pos laporan posisi keuangan untuk saldo items on statement of financial position for the
awal 1 Januari 2020 setelah penerapan PSAK opening balance January 1, 2020 after the
No. 71 dan PSAK No. 73. application of PSAK No. 71 and PSAK No. 73.
Saldo Penyesuaian Penyesuaian Saldo
31 Desem ber 2019/ PSAK 71/ PSAK 73/ 1 Januari 2020/
Balance as at Adjustment Adjustment Balance as at
31 December 2019 PSAK 71 PSAK 73 1 January 2020
LAPORAN POSISI STATEMENT

KEUANGAN FINANCIAL POSITION
Aset Assets
Kas 615.219 - - 615.219 Cash
Giro pada Bank Indonesia 2.060.593 - - 2.060.593 Demand deposits with Bank Indonesia
Giro pada bank lain - bersih 360.934 (140) - 360.794 Demand deposits with other bank
Penempatan pada Bank Indonesia - - Placements with Bank Indonesia
dan bank lain 1.039.622 (199) - 1.039.423 and other bank
Efek-efek - bersih 5.584.294 (4.368) - 5.579.926 Securities - net
Securities purchased under agreements
Efek yang dibeli dengan janji jual 108.665 - - 108.665 to resell
Kredit yang diberikan - bersih 21.314.497 (688.208) - 20.626.289 Loan and receivables/sharia financing
Tagihan akseptasi - bersih 265.212 (73) - 265.139 Acceptance receivables
Penyertaan modal sementara - bersih 318.345 - - 318.345 Temporary Investment - net of
Pendapatan yang masih akan diterim a 220.625 - - 220.625 Accrued income
Biaya dibayar dimuka 1.724.015 - (24.059) 1.699.956 Prepaid expenses
Aset tetap 1.399.242 - 121.819 1.521.061 Property and equipm ent
Aset Ijarah - bersih 628.023 - - 628.023 Ijarah assets - net of
Aset lain-lain - bersih 920.270 - - 920.270 Other assets - net
Jum lah Aset 36.559.556 (692.988) 97.760 35.964.328 retained earnings
LIABILITAS, DANA SYIRKAH TEMPORER LIABILITIES, TEMPORARY SYIRKAH FUNDS

DAN EKUITAS AND EQUITY
Liabilitas segera 131.750 - - 131.750 Liabilities im mediately payable
Simpanan 24.652.197 - - 24.652.197 Deposits
Simpanan dari bank lain 800.259 - - 800.259 Deposits from other banks
Efek dijual dengan janji dibeli kembali 236.699 - - 236.699 Securities sold under agrements to repurchase
Utang pajak 38.428 - - 38.428 Taxes payable
Liabilitas akseptasi 265.212 - - 265.212 Acceptances payables
Beban bunga akrual 30.775 - - 30.775 Accrued expenses
Liabilitas pajak tangguhan - bersih 123.277 (136.853) - (13.576) Deferred tax liabilities - net
Liabilitas imbalan kerja jangka panjang 13.032 - - 13.032 Long-term employee benefits liability
Liabilitas lain-lain 94.290 25.354 97.760 217.404 Other liabilities
Jum lah liabilitas 26.385.919 (111.499) 97.760 26.372.180 Total Liabilities
Dana Syirkah Temporer Syirkah Tem porary Funds

Simpanan 3.567.660 - - 3.567.660 Deposits
Simpanan dari bank lain 531.514 - - 531.514 Deposits from other banks
Jum lah dana syirkah tem porer 4.099.174 - - 4.099.174 Total Syirkah Temporary Funds
Ekuitas Equity
Modal saham 1.698.180 - - 1.698.180 Capital stock
Tambahan modal disetor - bersih 2.116.655 - - 2.116.655 Additional paid-in capital - net
Komponen ekuitas lainnya 483.426 1.935 - 485.361 Other equity components
Ditentukan penggunaannya 7.500 - - 7.500 Appropriated
Tidak ditentukan penggunaannya 1.768.702 (583.424) - 1.185.278 Unappropriated
Jum lah Ekuitas 6.074.463 (581.489) - 5.492.974 Total Equity
JUMLAH LIABILITAS, DANA SYIRKAH TEMPORER TOTAL LIABILITIES, TEMPORARY SYIRKAH
DAN EKUITAS 36.559.556 (692.988) 97.760 35.964.328 FUNDS AND EQUITY
- 162 -
PSAK No. 71: Instrumen Keuangan PSAK No. 71: Financial Instruments
Perusahaan menerapkan pendekatan yang The Company applies the simplified approach to
disederhanakan untuk mengukur cadangan provide for expected credit losses prescribed by
kerugian kredit ekspektasian yang diatur oleh PSAK No. 71 which requires the use of lifetime
PSAK No. 71 yang mensyaratkan pembentukan expected loss provision of all trade accounts
cadangan kerugian ekspektasian sepanjang receivable. This increased the provision for
umurnya untuk seluruh piutang usaha. Hal impairment of financial instruments by
tersebut menyebabkan peningkatan cadangan Rp 720,277 with related tax impact of
kerugian penurunan nilai asset keuangan Rp 136,853 which were recognized as an
sebesar Rp 720.277 dengan dampak pajak adjustment to the retained earnings as of
terkait sebesar Rp 136.853 yang diakui sebagai January 1, 2020.
penyesuaian atas saldo laba 1 Januari 2020.
PSAK No. 73: Sewa PSAK No. 73: Leases
Pada saat penerapan PSAK No. 73, On the application of PSAK No. 73, the
Perusahaan mengakui aset hak-guna dan Company recognized right-of-use assets and
liabilitas sewa sehubungan dengan ‘sewa lease liabilities in relation to leases which were
operasi’ berdasarkan prinsip-prinsip dalam previously classified as ‘operating lease’ under
PSAK No. 30, Sewa. Liabilitas sewa diukur the principles of PSAK No. 30, Leases. These
pada nilai kini dari sisa pembayaran sewa, yang lease liabilities were measured at the present
didiskontokan dengan menggunakan suku value of the remaining lease payments,
bunga pinjaman inkremental Perusahaan pada discounted using the Company’s incremental
tanggal 1 Januari 2020. Rata-rata tertimbang borrowing rate on January 1, 2020. The weighted
suku bunga inkremental yang digunakan adalah average of incremental borrowing rate applied
sebesar 15%. Aset hak-guna diukur pada was 15%. Right-of-use assets were measured at
jumlah yang sama dengan liabilitas sewa, the amount equal to the lease liability, adjusted
disesuaikan dengan jumlah pembayaran di by the amount of any prepaid or accrued lease
muka atau pembayaran sewa yang masih harus payments relating to that lease recognized in the
dibayar sehubungan dengan sewa yang diakui statement of financial position as at
di laporan posisi keuangan pada tanggal December 31, 2019.
31 Desember 2019.
Dengan menerapkan standar ini, pada tanggal By applying this standard, as of January 1, 2020
1 Januari 2020 aset hak-guna Perusahaan the Company’s right-to-use assets increased by
meningkat sebesar Rp 121.819 yang terdiri dari Rp 121,819 which comprised reclassification of
reklasifikasi dari biaya dibayar dimuka sebesar prepayments amounted to Rp 24,059 and
Rp 24.059 dan pengakuan sewa yang recognition of leases that were previously
sebelumnya diakui sebagai sewa operasi recognized as operating lease amounted to
sebesar Rp 97.760. Selain itu, liabilitas sewa Rp 97,760. In addition, the Company’s lease
Perusahaan meningkat sebesar Rp 97.760 liabilities increased by Rp 97,760 which
yang terdiri dari pengakuan liabilitas sewa yang comprised recognition of lease obligation that
sebelumnya diakui sebagai sewa operasi were previously recognized as operating lease
sebesar Rp 89.056 dan reklasifikasi dari beban amounted to Rp 89,056 and reclassification from
akrual sewa operasi sebesar Rp 8.704. accrued operating lease expense amounted to
Rp 8,704.
- 163 -
Rekonsiliasi antara komitmen sewa operasi The reconciliation between the operating lease
yang diungkapkan berdasarkan PSAK No. 30 commitments disclosed under PSAK No. 30 as
pada tanggal 31 Desember 2019 dan liabilitas of December 31, 2019 and the lease liabilities
sewa yang diakui berdasarkan PSAK No. 73 recognized under PSAK No. 73 as of January 1,
pada tanggal 1 Januari 2020 adalah sebagai 2020 is as follow:
berikut:
Jumlah/
Amount
Komitmen sewa operasi yang Operating lease commitment disclosed

diungkapkan pada 31 Desember 2019 112.368 as at December 31, 2019
Didiskontokan dengan menggunakan Discounted using the incremental
suku bunga inkremental (14.608) borrowing rate
Ditambah: Add:
Kewajiban sewa yang Operating lease recognized as
dicatat sebagai beban accrued expenses
akrual 8.704 as at December 31, 2019
Dikurangi: Less:
Sewa jangka pendek (8.704) Short-term leases
Jumlah liabilitas sewa yang Lease liabilities recognized

diakui pada 1 Januari 2020 97.760 as at January 1, 2020
Saat penerapan pertama PSAK No. 73, In applying PSAK No. 73 for the first time, the
Perusahaan menerapkan cara praktis berikut Company used the following practical expedients
yang diizinkan oleh standar: permitted by the standard:
- tidak melakukan penilaian ulang untuk - not perform reassessment of lease definition
definisi sewa dalam kontrak yang on contract which previously identified as
sebelumnya telah diidentifikasi containing lease.
mengandung sewa.
- liabilitias sewa diukur dengan nilai - lease liabilities are measured at the present
sekarang dari sisa pembayaran sewa, value of the remaining lease payments,
didiskontokan dengan suku bunga discounted at incremental borrowing rate as
inkremental pada tanggal 1 Januari 2020. at January 1, 2020.
- menerapkan tingkat diskonto tunggal untuk - the use of a single discount rate to a
portofolio sewa untuk perhitungan liabilitas portfolio of leases in calculating lease
sewa. liability.
- sewa operasi yang masa sewanya berakhir - operating leases with a remaining lease
dalam 12 bulan dari 1 Januari 2020 term of less than 12 months as at
diperlakukan sebagai sewa jangka pendek. January 1, 2020 are treated as short-term
lease.
- pengecualian biaya langsung awal dari - the exclusion of initial direct costs for the
pengukuran aset hak-guna pada tanggal measurement of the right-of-use assets at
penerapan awal. the date of initial application.
- menggunakan tinjauan ke belakang - the use of hindsight in determining the lease
(hindsight) dalam menentukan masa sewa term where the contract contains options to
jika kontrak mengandung opsi untuk extend or terminate the lease.
memperpanjang atau menghentikan sewa.
- menerapkan pengecualian untuk sewa - apply the exemption on leases of low-value
dengan aset yang bernilai rendah. assets.
- 164 -
Telah diterbitkan namun belum berlaku efektif Issued but not yet effective
Amandemen standar akuntansi keuangan yang Amendments to financial accounting standard

telah diterbitkan, yang berlaku efektif sejak issued that are mandatory for the financial year
tanggal: beginning or after:
1 Januari 2022 January 1, 2022
- Amandemen PSAK No. 57: Provisi, - Amendment to PSAK No. 57: Provisions,
Liabilitas Kontinjensi, dan Aset Kontinjensi Contingent Liabilities, and Contingent
tentang Kontrak yang Memberatkan - Biaya Assets regarding Aggravating Contracts –
Pemenuhan Kontrak Contract Fulfillment Costs
- Penyesuaian Tahunan 2020 - PSAK - 2020 Annual Improvements - PSAK No. 71:
No. 71: Instrumen Keuangan - Imbalan Financial Instruments - Fees in the ’10 per
dalam pengujian '10 persen' untuk cent’ test for derecognition of financial
penghentian pengakuan liabilitas keuangan liabilities
1 Januari 2023 January 1, 2023
- Amendemen PSAK No. 1: Penyajian - Amendment to PSAK No. 1: Presentation of

Laporan Keuangan tentang Klasifikasi Financial Statements - Classification of
Liabilitas sebagai Jangka Pendek atau Liabilities as Current or Non-Current
Jangka Panjang
49. Ketidakpastian Kondisi Ekonomi 49. Economic Environment Uncertainty
Sejak awal tahun 2020, perlambatan Since early 2020, the global economic slowdown
perekonomian global dan dampak negatif yang and negative impact on major financial market
terjadi pada pasar finansial utama di dunia yang caused by the pandemic spread of coronavirus
diakibatkan oleh penyebaran pandemi virus (Covid-19) in year 2021 and 2020 has resulted to
Corona (Covid-19) pada tahun 2021 dan 2020 increased volatility in the value of financial
telah menimbulkan volatilitas yang tinggi pada instruments, trading interruptions, disruptions to
nilai wajar instrumen keuangan, terhentinya operations of companies, unstable stock market,
perdagangan, gangguan operasional volatility of foreign currency exchange rates and
perusahaan, pasar saham yang tidak stabil, tight liquidity in certain sectors in Indonesia,
volatilitas nilai tukar mata uang asing dan including the finance industry, which may
likuiditas yang ketat pada sektor-sektor ekonomi continue and result to unfavorable financial and
tertentu di Indonesia, termasuk industri operating impact to the Company. Indonesia’s
keuangan, yang dapat berkelanjutan dan ability to minimize the impact of the global
berdampak terhadap keuangan dan operasional economic slowdown on the country’s economy is
Perusahaan. Kemampuan Indonesia untuk largely dependent on the eradication of Covid-19
meminimalkan dampak perlambatan threat, as well as the fiscal and other measures
perekonomian global terhadap perekonomian that are being taken and will be undertaken by
nasional sangat tergantung pada tindakan the government authorities. These measures,
pemberantasan ancaman Covid-19 tersebut, actions and events are beyond the Company’s
selain kebijakan fiskal dan kebijakan lainnya control.
yang diterapkan oleh Pemerintah. Kebijakan
tersebut, termasuk pelaksanaannya dan
kejadian yang timbul, berada di luar kontrol
Perusahaan.
- 165 -
50. Peristiwa setelah Periode Pelaporan 50. Subsequent Event after Reporting Periode
Perusahaan menerima surat dari OJK The Company receives the letter from OJK
No. S-16/PB.331/2022 tanggal 11 Februari No. S-16/PB.331/2022 dated February 11, 2022
2022 tentang Laporan Perubahan Komposisi regarding the Report on Changes in Ownership
Kepemilikan PT Bank Sinarmas Tbk, dimana Composition of PT Bank Sinarmas Tbk, wherein
konversi peningkatan modal dari Waran Seri III the increase of capital arising from conversion of
sebesar Rp 1.408.975 yang terdiri dari Series III Warrants amounting to Rp 1,408,975
Rp 225.436 dicatat pada modal disetor dan consist of Rp 225,436 and Rp 1,183,539 are
sisanya sebesar Rp 1.183.539 dicatat pada recorded as issued and paid-up capital and
agio saham, telah dicatat dalam administrasi additional paid-in capital, respectively, has been
pengawasan OJK. recorded in the supervising administration of
OJK.
********
- 166 -
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2021
Laporan Tahunan & Keberlanjutan
Annual & Sustainability Report
Adapting
Sustainability
Through
Digitalization
Sinar Mas Land Plaza

Jl. M.H. Thamrin kav 51,
Menara 1, Lantai 1 & 2,
Jakarta 10350 - Indonesia
www.banksinarmas.com

627294fc46f73 - AR BSIM 2021

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627294fc46f73 - AR BSIM 2021

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Adapting

ADAPTING SUSTAINABILITY THROUGH ADAPTING SUSTAINABILITY THROUGH

Sebagai bentuk adaptasi menuju perbankan As a form of adaptation toward sustainable

OPTIMIZING OUR DIGITAL SERVICES DIGITAL MOVEMENT FOR GREATER

With its resources and core advantages, Bank Sinarmas is

STRENGTHENING THE DIGITAL EXCELLENCE DIGITAL INNOVATION FOR OPTIMUM SERVICES

209 Perubahan Perundang-Undangan yang 371 Komite-Komite di Bawah Dewan Komisaris

Bank Sinarmas mendukung kebijakan pemerintah

Bank Sinarmas supports government policies

KEMUDAHAN TRANSAKSI DI MANA

Tetap Produktif saat #WorkFromHome

Transaksi #LebihMudah dengan SimobiPlus dan Internet banking

Internet Banking (Korporasi dan Personal) Jadi, pada saat #WorkFromHome

lainnya Banking Bank Sinarmas untuk aktivitas

PERISTIWA PENTING 2021

Penandatanganan Perjanjian Kerja Sama Pembiayaan

The signing of a financing cooperation agreement

Penandatanganan Kerja Sama Program

Bank Sinarmas Rapat Umum Pemegang Saham

Public Expose PT. Bank

SEJARAH DIGITAL BANKING BANK SINARMAS

NEW SIMOBI+APP 2018 QR GPN

DIGITAL ACCOUNT OPENING

IKHTISAR KINERJA SUSTAINABILITY PERFORMANCE

ASPEK EKONOMI ECONOMIC ASPECT

IKHTISAR KINERJA ASPEK EKONOMI TERKAIT KEBERLANJUTAN [201-1]

Portofolio Debitur yang memenuhi kriteria kegiatan

Jumlah produk yang memenuhi kriteria kegiatan usaha berkelanjutan

Persentasi total kredit/pembiayaan kegiatan usaha

Uraian 2021 2020 2019 2018 2017 Description

Kas 571.425 629.712 615.219 553.688 585.646 Cash

Penempatan 9.592.917 1.905.318 1.039.622 1.829.730 2.638.778 Placements with

Efek-efek – Bersih 14.582.531 9.183.303 5.584.294 2.882.064 3.443.741 Securities – Net

Efek yang Dibeli 1.672.987 4.586.086 108.665 489.812 120.764 Securities

Tagihan Akseptasi – 247.165 153.577 265.212 243.250 185.015 Acceptance

Penyertaan Modal - 281.405 318.345 - - Temporary Equity

Pendapatan 315.777 243.768 220.625 237.488 155.060 Accrued Income

Biaya Dibayar di 1.601.446 1.935.587 1.724.015 259.560 281.479 Prepaid Expenses

Aset Tetap 1.540.865 1.584.298 1.399.242 1.211.744 1.138.582 Property and

Aset Pajak 64.120 54.930 - - - Deferred Tax

Jumlah Aset 52.671.981 44.612.045 36.559.556 30.748.742 30.404.078 Total Assets

Liabilitas Segera 116.189 193.249 131.750 192.041 213.163 Immediately

Simpanan 37.961.555 30.763.916 24.652.197 21.989.429 21.256.254 Deposits

Efek yang Dijual - 1.042.913 236.699 - - Securities Sold

Utang Pajak 29.745 71.082 38.428 34.422 68.886 Taxes Payable

Liabilitas Akseptasi 250.424 153.617 265.212 232.457 172.460 Acceptances

Beban Bunga 23.094 41.183 30.775 31.718 34.575 Accrued Interest

Liabilitas Pajak - - 123.277 78.233 104.148 Deferred Tax

Liabilitas Imbalan 27.840 29.288 13.032 59.153 55.840 Long-Term

Liabilitas Lain-lain 311.579 201.475 94.290 93.895 205.642 Other Liabilities

Jumlah Liabilitas 38.799.669 32.557.921 26.385.919 23.532.846 22.822.617 Total Liabilities

DANA SYIRKAH TEMPORER SYIRKAH TEMPORARY FUNDS

Simpanan 6.507.363 5.992.639 3.567.660 2.308.998 2.350.268 Deposits

Modal Saham 1.746.180 1.746.180 1.698.180 1.538.180 1.538.180 Capital Stock

Tambahan Modal 2.368.655 2.368.655 2.116.655 1.276.655 1.276.655 Additional Paid-In

Dana Setoran Modal 1.408.975 - - - - Advance for Share

Komponen Ekuitas 407.324 637.954 483.426 268.245 307.186 Other Equity

SALDO LABA RETAINED EARNINGS

Ditentukan 8.500 8.000 7.500 7.000 6.500 Appropriated

Tidak Ditentukan 1.419.782 1.296.055 1.768.702 1.766.340 1.715.663 Unappropriated

Jumlah Ekuitas 7.359.416 6.056.844 6.074.463 4.856.420 4.844.184 Total Equity

Jumlah Liabilitas, 52.671.981 44.612.045 36.559.556 30.748.742 30.404.078 Total Liabilities,

LAPORAN LABA (RUGI) DAN STATEMENTS OF PROFIT (LOSS)