Professional Documents
Culture Documents
Annual Report PT Bank Raya Indonesia Tbk 2023
Annual Report PT Bank Raya Indonesia Tbk 2023
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TABLE OF CONTENTS
Daftar Isi 92 Bidang Usaha 241 Arus Kas
Table of Contents Line Of Business Cash Flows
2 Tentang Laporan Tahunan 102 Wilayah Operasional 242 Analisis Aset Produktif Bank
PT Bank Raya Indonesia Tbk Operational Area Bank Productive Assets Analysis
About Annual Report of 104 Rantai Pasokan 242 Rasio Keuangan Utama
PT Bank Raya Indonesia Tbk Supply Chain Key Financial Ratios
3 Penjelasan Tema 104 Keanggotaan Asosiasi 243 Kemampuan Membayar Utang
Theme Description Association Membership Ability to Pay Debt
4 Kesinambungan Tema 105 Perubahan Signifikan 245 Kolektibilitas Piutang
Theme Continuity Significant Changes Receivables Collectability
6 Pencapaian Penting 106 Struktur Organisasi 245 Struktur Modal dan Kebijakan Struktur
Achievement Highlights Organizational Structure Modal
8 Peristiwa Penting 108 Profil Dewan Komisaris Capital Structure and Capital
Event Highlights Board of Commissioners Profile Structure Policy
12 Visi dan Misi 114 Profil Direksi 248 Komitmen dan Kontijensi
Vision and Mission Board of Directors Profile Commitments and Contingencies
16 Jejak Langkah 120 Profil Senior Executive Vice President 248 Ikatan Material Untuk Investasi Barang
Milestones (Sevp) Modal
Senior Executive Vice President (Sevp) Material Commitment for Capital
KILAS KINERJA 2023 Profile Expenditure
121 Profil Pejabat Eksekutif 249 Investasi Barang Modal yang
2023 PERFORMANCE HIGHLIGHT
Profile of the Executives Direalisasikan Tahun Buku Terakhir
20 Ikhtisar Keuangan 132 Demografi Karyawan Capital Expenditure in the Last Fiscal
Financial Highlights Employee Demographics Year
25 Ikhtisar Keberlanjutan 134 Struktur dan Komposisi Pemegang 249 Perbandingan Antara Target dan
Sustainability Highlights Saham Realisasi Serta Proyeksi Satu Tahun
26 Ikhtisar Saham Shareholder Structure and Composition Ke Depan
Share Highlights 138 Kronologis Pencatatan Saham Comparison between Targets and
27 Penghentian Sementara Perdagangan Share Listing Chronology 140 Realizations and Projections for the
Saham (Suspension) dan/atau 140 Entitas Anak dan Entitas Asosiasi Next Year
Penghapusan Pencatatan Saham Subsidiaries and Associates 250 Kebijakan dan Pembagian Dividen
(Delisting) 141 Struktur Grup Perusahaan Dividend Policy and Payment
Suspension and/or Delisting of Shares Company Group Structure 251 Aspek Perpajakan
27 Aksi Korporasi 142 Kantor Akuntan Publik Tax Aspect
Corporate Actions Public Accounting Firm 251 Realisasi Penggunaan Dana Hasil
27 Ikhtisar Efek Lainnya 146 Informasi Pada Website Perusahaan Penawaran Umum
Other Securities Highlights Information On Company Website Use of Public Offering Proceeds
28 Penghargaan dan Sertifikasi Realization
Awards and Certifications TINJAUAN PENDUKUNG BISNIS 252 Informasi dan Fakta Material yang
Terjadi Setelah Tanggal Laporan
OVERVIEW OF BUSINESS
Akuntan
LAPORAN MANAJEMEN SUPPORT UNITS Material Information and Facts
MANAGEMENT REPORT 150 Sumber Daya Manusia Subsequent to the Accountant’s
35 Laporan Dewan Komisaris Human Capital Report Date
Board of Commissioners Report 168 Teknologi Informasi 252 Informasi Material Mengenai Investasi,
53 Laporan Direksi Information Technology Ekspansi, Divestasi, Penggabungan/
Board of Directors Report Peleburan Usaha, Akuisisi,
76 Surat Pernyataan Dewan Komisaris ANALISIS DAN PEMBAHASAN Restrukturisasi Utang/Modal
dan Direksi Tentang Tanggung Jawab MANAJEMEN Material Information on Investment,
atas Laporan Tahunan 2023 PT Bank Expansion, Divestment, Business
MANAGEMENT DISCUSSION AND
Raya Indonesia Tbk Merger/Consolidation, Acquisition,
ANALYSIS Debt/Capital Restructuring
Statement of Board of Commissioners
and Board of Directors on the 186 Tinjauan Ekonomi dan Industri 252 Informasi Keuangan yang Mengandung
Responsibility for the 2023 Annual Economic and Industry Overview Kejadian yang Bersifat Luar Biasa dan
Report of PT Bank Raya Indonesia Tbk 189 Strategi Bank Raya Jarang Terjadi
Bank Raya Strategy Financial Information Containing
199 Tinjauan Operasional Extraordinary and Rare Events
PROFIL PERUSAHAAN Operational Overview 252 Informasi Transaksi Material yang
COMPANY PROFILE 208 Tinjauan Per Segmen Operasi Mengandung Benturan Kepentingan
Overview Per Operation Segment dan/atau Transaksi Dengan Pihak
80 Identitas Perusahaan
224 Tinjauan Keuangan Afiliasi
Corporate Identity
Financial Overview Information on Material Transactions
82 Sejarah Singkat Perusahaan
224 Laporan Posisi Keuangan Containing Conflicts of Interest and/or
Company in Brief
Statements of Financial Position Transactions with Affiliated Parties
86 Logo Perusahaan
235 Laporan Laba Rugi dan Penghasilan 258 Perubahan Peraturan Perundang-
Company Logo
Komprehensif Lainnya Undangan Terhadap Bank Pada Tahun
87 Nilai - Nilai Perusahaan
Statement of Profit (Loss) and Other Buku Terakhir
Corporate Values
Comprehensive Income Changes in Laws and Regulations to
the Bank in the Last Fiscal Year
Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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259 Perubahan Kebijakan Akuntansi yang 391 Hubungan Afiliasi Dewan Komisaris, Direksi 511 Benturan Kepentingan dan/atau
Diterapkan Perusahaan Pada Tahun Buku dan Pemegang Saham Pengendali Transaksi Dengan Pihak Afiliasi
Terakhir Affiliations of The Board of Commissioners, Conflict of Interest and/or Transactions
Changes in Accounting Policies Board of Directors, and Controlling With Affiliated Parties
Implemented by the Company in the Last Shareholders 511 Aspek Transparansi Kondisi Bank
Fiscal Year 392 Kebijakan Keberagaman Dewan Komisaris Transparency Aspects of Bank
260 Informasi Kelangsungan Usaha dan Direksi Conditions
Information on Business Continuity Diversity Policy for The Board of 515 Akses Informasi dan Data Bank
261 Tingkat Kesehatan Bank Commissioners and Board of Directors Access To Bank Information and Data
Risk-Based Bank Rating 394 Nominasi Dan Remunerasi Dewan Komisaris 525 Perkara Hukum
262 Prospek Usaha dan Direksi Legal Case
Business Outlook Nomination and Remuneration of The Board 525 Sanksi Administratif
264 Eksposur Risiko Dan Permodalan of Commissioners and Board of Directors Administrative Sanctions
Risk and Capital Exposure 402 Organ Pendukung Dewan Komisaris 525 Kode Etik
Supporting Organs of The Board of Code of Conduct
Commissioners 534 Sistem Pelaporan Pelanggaran
TATA KELOLA PERUSAHAAN
402 Komite Audit Whistleblowing System (WBS)
GOOD CORPORATE GOVERNANCE
Audit Committee 357 Kebijakan Perlindungan Nasabah
300 Tata Kelola Perusahaan 413 Komite Remunerasi dan Nominasi Customer Protection Policy
Good Corporate Governance Remuneration and Nomination 539 Kebijakan Kredit Ramah Lingkungan
302 Penerapan Tata Kelola Perusahaan Committee Environmentally Friendly Credit Policy
Good Corporate Governance Implementation 425 Komite Pemantau Risiko 539 Perlindungan Hak Kreditur
303 Dasar Penerapan Tata Kelola Risk Monitoring Committee Protection of Creditors’ Rights
Basis of Good Corporate Governance 437 Organ Pendukung Direksi 539 Pengendalian Gratifikasi
Implementation Supporting Organs of The Board of Directors Gratuity Control
305 Prinsip Tata Kelola Perusahaan 438 Komite Manajemen Risiko 540 Kebijakan Anti Korupsi
Good Corporate Governance Principles Risk Management Committee Anti-Corruption Policy
307 Tujuan Penerapan Tata Kelola 441 Aset and Liability Committee (Alco) 541 Pelanggaran (Fraud) Internal
GCG Implementation Objectives Asset and Liability Committee (ALCO) Internal Violation (Fraud)
308 Roadmap Tata Kelola 448 Komite Kebijakan Perkreditan
Good Corporate Governance Roadmap Credit Policy Committee
309 Kerangka Tata Kelola 450 Komite Pengarah Teknologi Sistem LAPORAN KEBERLANJUTAN
Good Corporate Governance Framework Informasi SUSTAINABILITY REPORT
310 Struktur Tata Kelola Information Systems Technology
Good Corporate Governance Structure 556 Tentang Laporan
Steering Committee
311 Proses dan Mekanisme Tata Kelola About The Report
453 Komite Kredit
Good Corporate Governance Process and 558 Strategi Keberlanjutan
Credit Committee
Mechanism Sustainability Strategy
455 Komite Produk
314 Rapat Umum Pemegang Saham (RUPS) 576 Laporan Direksi
Product Committee
General Meeting Of Shareholders Board Of Director’s Report
459 Sekretaris Perusahaan
330 Dewan Komisaris 580 Kinerja Keberlanjutan
Corporate Secretary
Board of Commissioners Sustainability Performance
465 Satuan Kerja Audit Internal (SKAI)
348 Komisaris Independen 580 Aspek Ekonomi
Internal Audit Work Unit
Independent Commissioner Economic Aspect
475 Fungsi Kepatuhan
350 Direksi 587 Aspek Lingkungan
Compliance Function
Board of Directors Environmental Aspect
481 Sistem Pengendalian Internal (SPI)
375 Penilaian Kinerja Dewan Komisaris dan 593 Aspek Sosial
Internal Control System (SPI)
Direksi Social Aspect
485 Manajemen Risiko
Performance Assessment of The Board of 610 Verifikasi Tertulis Dari Pihak Independen
Risk Management
Commissioners and Board of Directors Written Verification From Independent
503 Program Anti Pencucian Uang dan
386 Transparansi Informasi dan Independensi Party
Pencegahan Pendanaan Terorisme
Dewan Komisaris dan Direksi 611 Tanggapan Terhadap Umpan Balik
Anti-Money Laundering and Counter
Information Transparency and Independence Laporan Keberlanjutan Tahun 2022
Terrorism Financing Program
of The Board of Commissioners and Board of Response to Feedback 2022
506 Pemberian Dana Untuk Kegiatan Sosial dan
Directors Sustainability Report
Politik
387 Kepemilikan Saham Dewan Komisaris 612 Lembar Umpan Balik
Provision of Funds For Social and Political
dan Direksi Feedback Form
Activities
Share Ownership of The Board of 506 Penyediaan Dana Kepada Pihak Terkait dan
Commissioners and Board of Directors Referensi Isi Laporan Tahunan dengan
Penyediaan Dana Besar
389 Rangkap Jabatan Dewan Komisaris Dan Peraturan Otoritas Jasa Keuangan (OJK)
Provision of Funds for Related Parties and
Direksi Statement of Board of Commissioners and
Provision of Large Exposures
Concurrent Positions of The Board of Annual Report Contents Reference To The
507 Pembelian Kembali (Buyback) Saham dan
Commissioners and The Board of Directors Obligasi Bank Raya Financial Services Authority Regulation
391 Hubungan Afiliasi Dewan Komisaris, Direksi Bank Raya Stock and Bond Buyback
Dan Pemegang Saham Pengendali 508 Program Kepemilikan Saham oleh Laporan Keuangan
Affiliations of The Board of Commissioners, Manajemen dan Karyawan Financial Report
Board of Directors, and Controlling Management and Employee Stock Option
Shareholders Program
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 1
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Selamat datang di Laporan Tahunan dan Laporan Keberlanjutan Welcome to the Annual Report and Sustainability Report of PT
PT Bank Raya Indonesia Tbk dengan tema “Perkuat Bisnis Digital Bank Raya Indonesia Tbk with the theme “Strengthening Digital
Berkualitas, Menuju Pertumbuhan Berkelanjutan”. Laporan ini Business Excellence towards Sustainable Growth”. This report
diterbitkan sesuai dengan Peraturan Otoritas Jasa Keuangan is published in accordance with Financial Services Authority
Nomor 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Regulation No. 29/POJK.04/2016 on Annual Report of Issuers or
Perusahaan Publik dan Peraturan Otoritas Jasa Keuangan Nomor Public Companies and Financial Services Authority Regulation
51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan No. 51/POJK.03/2017 on Implementation of Sustainable Finance
bagi Emiten dan Perusahaan Publik. Di samping itu, penyusunan for Issuers and Public Companies. In addition, the preparation of
laporan ini juga mengacu pada Surat Edaran Otoritas Jasa this report also refers to the Financial Services Authority Circular
Keuangan Nomor 9/SEOJK.03/2020 tentang Transparansi dan Letter No. 9/SEOJK.03/2020 on Transparency and Publication
Publikasi Laporan Bank Umum Konvensional, Surat Edaran of Conventional Commercial Bank Reports, Financial Services
Otoritas Jasa Keuangan Nomor 16/SEOJK.04/2021 Tentang Authority Circular Letter No. 16/SEOJK.04/2021 on Form and
Bentuk dan Isi Laporan Tahunan Emiten Atau Perusahaan Publik, Content Issuer or Public Company Annual Reports and the GRI
serta pedoman GRI Standard. Standards.
Laporan Tahunan dan Laporan Keberlanjutan ini memuat This Annual Report and Sustainability Report contains statements
beberapa pernyataan yang merupakan proyeksi dan pandangan of projections and future outlook describing the Bank’s
masa depan yang menggambarkan cara pandang Bank terhadap perspective on future events and financial performance, as well
kejadian-kejadian dan kinerja keuangan di masa depan, serta as financial conditions, operating results and business results,
kondisi keuangan, hasil operasi dan hasil usaha, kondisi ekonomi, economic conditions, sector conditions, and plans. and related
kondisi sektor, serta rencana dan tujuan terkait. Pandangan- goals. Such views are based on a number of ongoing estimates and
pandangan ini didasarkan pada beberapa estimasi dan asumsi assumptions which may subject to uncertainties, contingencies
saat ini yang dapat berubah seiring dengan ketidakpastian, and various business, economic and competitive risks that could
kontijensi dan berbagai risiko bisnis, ekonomi dan kompetisi yang change at any time; may cause actual results, performance and
dapat berubah sewaktu-waktu; dapat menyebabkan hasil, kinerja events to differ materially from those predicted or projected; and
dan kejadian sebenarnya berbeda secara material dari yang telah this matter is beyond the control of the Bank and the Bank’s Board
diprediksi atau diproyeksi; dan hal ini berada di luar kendali Bank of Directors.
dan Direksi Bank.
Pernyataan-pernyataan tersebut tidak terkait baik secara These statements do not relate directly or exclusively to
langsung maupun secara eksklusif dengan fakta-fakta historis historical facts and do not reflect the Bank’s intentions, plans,
dan tidak mencerminkan niat, rencana, ekspektasi, asumsi dan expectations, assumptions or beliefs about future events. The
keyakinan Bank mengenai kejadian-kejadian di masa datang. Bank do not guarantee that future events will occur, projections
Tidak ada jaminan bahwa kejadian di masa datang akan muncul, will be achieved, or the Bank’s assumptions will be correct.
proyeksi akan tercapai, atau asumsi Bank benar. Pernyataan- Such statements are not and should not be considered as
pernyataan tersebut bukan dan tidak dapat dianggap sebagai representations of the Bank’s future performance.
representasi atas kinerja Bank di masa datang.
Dalam Laporan Tahunan dan Laporan Keberlanjutan ini terdapat This annual report contains the terms “Bank Raya” and “Bank”
kata “Bank Raya” dan “Bank” yang menunjuk pada PT Bank Raya which refer PT Bank Raya Indonesia Tbk that runs a business in the
Indonesia Tbk. yang menjalankan kegiatan usaha di bidang jasa field of banking services. The currency unit “Rupiah”, “Rp” or “IDR”
perbankan. Penyebutan satuan mata uang “Rupiah”, “Rp” atau “IDR” refers to the official currency of the Republic of Indonesia, while
merujuk pada mata uang resmi Republik Indonesia, sedangkan “US Dollar” or “USD” refers to the official currency of the United
“Dolar AS” atau “USD” merujuk pada mata uang resmi Amerika States of America. All financial information is presented in Rupiah.
Serikat. Semua informasi keuangan tersaji dalam mata uang
Rupiah.
2 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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PENJELASAN TEMA
z THEME DESCRIPTION
2023
PERKUAT BISNIS
DIGITAL BERKUALITAS,
MENUJU PERTUMBUHAN
BERKELANJUTAN
Strengthening Digital
Business Excellence
towards Sustainable Growth
Tahun 2023 merupakan momentum dimana Bank Raya semakin The year 2023 is the momentum in which Bank Raya increasingly
mantap menjadi bank digital terbaik dengan mendorong establishes itself as the best digital bank by encouraging the
pertumbuhan bisnis digital yang berkualitas. Bank Raya juga terus growth of high-quality digital businesses. Bank Raya also
memperluas pasar potensial dengan menjadi partner bertumbuh continuously expands its potential market by becoming a growth
untuk pelaku usaha dan kawan finansial untuk komunitas. Kinerja partner for business actors and a financial partner for the
keuangan memperlihatkan perbaikan dari bulan ke bulan, dan community. With financial performance improving month-on-
perubahan logo baru Bank Raya yang memperkuat positioning month, and the change to Bank Raya’s new logo which strengthens
Bank Raya sebagai bank digital bagian dari BRI Group dengan Bank Raya’s position as a digital bank and part of the BRI Group
produk digital perbankan yang komprehensif, adalah beberapa dari with comprehensive digital banking products, are some of the
highlight penting yang menandai bahwa Bank Raya berkomitmen crucial highlights that reflect Bank Raya’s efforts, characterized
untuk dapat terus tangguh dan bertumbuh sehat. by its strong and sound growth.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 3
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
KESINAMBUNGAN TEMA
z THEME CONTINUITY
2022
MENUJU RESILIENSI BANK DIGITAL, PERKUAT
2021
EMPOWER AND EXPAND GIG ECONOMY
SINERGI EKOSISTEM BRI GROUP IN INDONESIA
Strengthening Synergies in BRI Group’s Ecosystem with Empower and Expand GIG Economy
Resilient Digital Banking in Indonesia
Transformasi Bank Raya berlanjut di tahun 2022. Bank Raya terus memperkuat sumber daya BRI Agro bertransformasi menjadi Bank Raya. Bukan hanya
dan teknologi agar dapat menjalankan peran sebagai digital attacker BRI Group. Sejalan sekedar mengubah nama, Bank juga mengubah model bisnis
dengan itu, Bank Raya juga melakukan konsolidasi dan kolaborasi serta menyiapkan strategi sebagai bank digital yang berperan sebagai digital attacker
penguatan ekosistem untuk mendorong pertumbuhan gig economy di Indonesia. dari BRI Group. Bank Raya berkomitmen untuk meningkatkan
infrastruktur digital untuk mendukung pemberdayaan dan
Tahun 2022, fokus utama Bank Raya adalah meraih pertumbuhan bisnis yang berkualitas pertumbuhan gig economy di Indonesia.
dan berkesinambungan. Bank Raya terus menjajaki potensi kerja sama strategis dengan
ekosistem teknologi finansial (fintech) hingga gig workers serta mengembangkan produk Bank Raya menginisiasi community branch, terutama untuk
simpanan melalui Raya Digital Saving dan produk pinjaman melalui Pinang Flexi, Pinang melayani komunitas ekonomi sektor informal (gig economy)
Performa, Pinang Maksima, Pinang Connect dan Pinang Dana Talangan untuk memberikan dan agen-agen fintech di beberapa area untuk membangun
value proposition yang kuat dan menjawab kebutuhan penggunanya. infrastruktur digital bagi sektor gig economy dengan melalui
customer experience yang koheren.
Sejalan dengan itu, Bank Raya juga fokus pada perbaikan kualitas aset dan recovery serta
menajamkan fokus efisiensi dan efektivitas kegiatan operasional serta peningkatan customer BRI Agro transformed into Bank Raya. More than just changing
experience. the name, the Bank also shifted its business model as a digital
bank that acts as a digital attacker of the BRI Group. Bank
In 2022, Bank Raya continued its transformation process, strengthening its resources and Raya is fully committed to improving digital infrastructure to
technology to support its role as BRI Group’s attacker in the digital banking industry. In line support the empowerment and growth of the gig economy in
with that, Bank Raya consolidated and collaborated to prepare the advancement ecosystem Indonesia.
strategy to foster gig economy growth in Indonesia.
Bank Raya initiated community branches, primarily to serve
Bank Raya’s main focus in the reported year is to achieve quality and sustainable business the gig economy and fintech agents in several areas to build
growth. Bank Raya continues to explore the potential for strategic cooperation with the digital infrastructure for the gig economy sector through a
financial technology (fintech) ecosystem as well as the gig Workers, and develop its savings coherent customer experience.
product through Raya Digital Saving and lending products through Pinang Flexi, Pinang
Performa, Pinang Maksima, Pinang Connect and Pinang Dana Talangan to provide a strong
value proposition and address users’ needs.
In this regard, Bank Raya also focuses on improving asset quality and recovery as well as
sharpening the focus on efficiency and effectiveness of operational activities and improving
customer experience.
4 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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KESINAMBUNGAN TEMA
z THEME CONTINUITY
2020
BERKOLABORASI SECARA DIGITAL MELALUI
2019
KOMITMEN PERTUMBUHAN DI MASA DEPAN
INOVASI Commitment to Pursuing Growth in the Future
Collaborating Digitally Through Innovation
Pada tahun 2020, BRI Agro telah melakukan langkah transformasi digital. Di tahun 2019, BRI Agro melakukan inovasi untuk menyempurnakan produk dan
Strategi tersebut dinilai sudah sangat tepat, terutama dalam menghadapi era layanan yang ditawarkan, serta meluncurkan produk dan layanan baru yaitu
digitalisasi. Dengan melakukan tata kelola dan prinsip kehati-hatian terhadap PINANG pada bulan Februari 2019 yang sesuai dengan kebutuhan nasabah.
kondisi makro ekonomi khususnya dampak dari pandemi Covid-19, perubahan Berbagai hal yang dilakukan merupakan salah satu wujud komitmen BRI Agro
lingkungan usaha serta perilaku dan kebutuhan nasabah, BRI Agro mampu untuk terus meraih pertumbuhan yang berkelanjutan di masa depan, sekaligus
beradaptasi dan menerapkan strategi yang relevan sesuai perkembangan untuk mewujudkan visi “Menjadi bank dengan layanan terbaik dan fokus di
terkini. Hal ini dilakukan dengan memperkuat layanan digital banking melalui sektor Agribisnis”.
penyaluran pinjaman digital oleh PINANG, pengembangan produk dan layanan
baru yang akan mendukung transaksi digital, partnership dengan Fintech In 2019, BRI Agro innovated to improve the products and services it offers, and
untuk meningkatkan penetrasi pasar, serta memperbaiki kualitas kredit dan launched new products and services, namely PINANG in February 2019, to suit
mengupayakan pertumbuhan pendapatan. BRI Agro berupaya untuk terus customer needs. The various things done are a form of BRI Agro’s commitment
mencatat kinerja yang baik, melalui pencapaian kinerja keuangan dan respons to continue to achieve sustainable growth in the future, as well as to realize
Perseroan terhadap bisnis dan ekonomi yang dinamis. the vision of “Becoming a bank with the best services and focus on the
Agribusiness sector”.
In 2020, BRI Agro undertook a digital transformation initiative. This strategy
is deemed to have been very appropriate, particularly in welcoming the age of
digitalization. By carrying out governance and prudential principles against
macroeconomic conditions, especially regarding the impact of the Covid-19
pandemic, shifts in the business environment, and customer behavior
and needs, BRI Agro managed to adapt and implement relevant strategies
according to the latest developments. This is done by strengthening digital
banking services through the distribution of digital loans using PINANG,
developing new products and services that will support digital transactions,
partnering with Fintech to increase market penetration, as well as improving
credit quality and seeking revenue growth. BRI Agro strives to continue to
record good performance, through the achievement of financial performance
and the Company’s response to dynamic business and economy.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 5
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
Strengthening Digital Business Excellence towards Sustainable Growth
PENCAPAIAN PENTING
z ACHIEVEMENT HIGHLIGHTS
Rp
12,44 36,81 % (yoy)
triliun Menjadi / to
trillion Rp
1,26 triliun
trillion
TOTAL PERTUMBUHAN
ASET KREDIT DIGITAL
DIGITAL LOANS GROWTH
TOTAL ASSETS
112,47
Menjadi / to
%(yoy) MODAL
INTI
Rp
24,35 miliar
billion
CORE CAPITAL
Rp
3,20 triliun
trillion
PERTUMBUHAN
LABA BERSIH
NET INCOME GROWTH
6 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PENCAPAIAN PENTING
z ACHIEVEMENT HIGHLIGHTS
31,67%
Rp
2,80
triliun / trillion
138,59
Menjadi / to
%(yoy)
127,64 % (yoy)
Rp
9,31 triliun
trillion
TRANSAKSI Penyaluran Pinang Dana Talangan
RAYA APPS Disbursement Pinang Dana Talangan
SELF ASSESMENT
TINGKAT KESEHATAN BANK
RISK-BASED BANK RATING 78,43
Jumlah Pekerja Gen Y
%
Gen Y Employee
2 (SEHAT)
2 (SATISFACTORY)
Berdasarkan hasil Self Jumlah Pekerja Gen Z
Assesment Semester II Gen Z Employee
7,66%
Tahun 2023
Based on the Self-
Assessment results of
Semester II 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 7
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PERISTIWA PENTING
z EVENT HIGHLIGHTS
Bersama BRI Group di bulan Ramadan memberikan bantuan kepada Panti Asuhan Rapat Umum Pemegang Saham Tahunan Bank Raya
di Yayasan Sayap Ibu. Selain itu, Bank Raya dan Agen BRILink memberikan bantuan
sembako dan sanitasi kepada masyarakat di Jakarta, Bandung, dan Malang.
Bank Raya, together with the BRI Group, provides aid to the orphanage at Sayap Annual General Meeting of Shareholders
Ibu Foundation during the month of Ramadan. In addition, Bank Raya and BRILink
Agents provide basic food and sanitation aid to communities in Jakarta, Bandung,
and Malang.
Penandatanganan Perjanjian Induk Repo Secara Bersama Penyerahan Bantuan CSR Qurban
dan Sosialisasi Transaksi Repo Dalam Rangka Memperingati Idul Adha
Joint Signing of the Master Repo Agreement and Distributing Qurban CSR in Celebrating Eid al-Adha
Dissemination of Repo Transactions
8 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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PERISTIWA PENTING
z EVENT HIGHLIGHTS
CSR Pendidikan (Bantuan Renovasi Lapangan Basket PKS Bank Raya x BRI
Sekolah Al-Huda Pekanbaru) (Penguatan Progam APU PPT & PPPSM - Kerjasama Akses
Data Watchlist)
CSR on Education (Assistance for Renovation of
Basketball Court at Al-Huda School, Pekanbaru) PKS Bank Raya x BRI
(Strengthening AML CFT & PPPSM Programs - Watchlist of
Data Access Cooperation)
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PERISTIWA PENTING
z EVENT HIGHLIGHTS
10 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
group
PERISTIWA PENTING
z EVENT HIGHLIGHTS
Penyerahan bantuan CSR Sarana Kuliner kepada Penyerahan bantuan CSR Pendidikan ke Yayasan
Cluster Alun-Alun Batu Malang Al Andalusia
Distributing CSR Culinary Facilities assistance to Distributing CSR Education assistance to Yayasan
Alun-Alun Batu Malang Cluster Al Andalusia
Desember / December
30
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 11
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
xx xxxx xxxx
12 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
group
VISI
VISION
MISI
MISSION
1. Menyediakan produk dan layanan 1. Provide products and services
yang relevan dengan kebutuhan relevant to customer needs (Gig
nasabah (Gig Economy & Fintech) Economy & Fintech) through a
melalui pendekatan digital end-to- comprehensive end-to-end digital
end secara menyeluruh. approach.
2. Memastikan layanan perbankan 2. Ensure safe and reliable digital
digital yang aman dan andal. banking services.
3. Membangun Ekosistem Bisnis untuk 3. Build Business Ecosystem to help
membantu nasabah (Gig Economy & customers (Gig Economy & Fintech)
Fintech) mengembangkan bisnisnya. grow their business.
4. Pengembangan & implementasi 4. Agile product development &
produk yang agile. implementation.
5. Mengutamakan Good Corporate 5. Prioritize Good Corporate
Governance (GCG) dalam Governance (GCG) in business
pengembangan bisnis dan development and operations.
operasional.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
REVIEW ATAS VISI DAN MISI PERUSAHAAN REVIEW OF THE COMPANY’S VISION AND MISSION
Visi Perusahaan dijabarkan sebagai upaya untuk mewujudkan: The Company’s vision is described as an effort to realize:
1. Bank Raya menjadi bank dengan layanan digital terbaik. 1. Bank Raya to become a bank with the best digital
services;
2. Bank Raya fokus dan menjadi Bank acuan bagi nasabah 2. Bank Raya focuses and becomes a reference bank for gig
pelaku gig economy termasuk UMKM. economy customers including MSMEs.
Untuk mewujudkan Visi yang ingin dicapai maka langkah- In achieving its Vision, Bank Raya has prepared a number of
langkah yang akan dilakukan oleh Bank Raya antara lain measures which are outlined in five missions as follows:
terangkum dalam lima misi sebagai berikut:
Kata kunci dalam misi pertama adalah sebagai berikut: The keywords in the first mission are:
Relevan Relevant
Yang dimaksud relevan adalah penyediaan produk dan Relevant refers to the provision of digital products and
layanan digital yang memiliki nilai guna secara langsung bagi services that have direct use value for customers and can
nasabah dan dapat menyesuaikan kebutuhan nasabah dalam adapt to customer needs in the development of digital
perkembangan teknologi digital. technology.
Kata kunci dalam misi kedua adalah sebagai berikut: The keywords in the second mission are:
Aman Safe
Aman adalah penerapan sistem keamanan yang komprehensif Safe is the implementation of a comprehensive security
dengan tetap menjaga kenyamanan pengalaman nasabah. system while maintaining a comfortable customer
experience.
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group
Andal Reliable
Andal adalah penyediaan layanan yang dapat dipercaya oleh Reliable is the provision of services that can be trusted by
nasabah dalam menunjang kemudahan dan kecepatan dalam customers to convenience and speed in using Bank Raya
menggunakan layanan Bank Raya, bahkan pada saat padat services, even during peak transaction times.
transaksi.
Kata kunci dalam misi yang ketiga adalah: The keyword in the third mission is:
Ekosistem Bisnis Business Ecosystem
Ekosistem bisnis adalah sekumpulan perusahaan dengan A business ecosystem is a group of companies with
hubungan yang saling melengkapi dan sinergis yang complementary and synergistic relationships for establishing
membangun kemitraan strategis untuk memberikan nilai strategic partnerships of value creation to end users or
bagi pengguna akhir atau nasabah. customers.
Kata kunci dalam misi yang keempat adalah: The keyword in the fourth mission is:
Agile Agile
Yang dimaksud dengan agile adalah pengembangan sebuah Agile refers to the development of a product to reach its
produk untuk mencapai titik terbaiknya dengan perbaikan- best point with continuous improvements in line with the
perbaikan yang terus dilakukan seiring dengan feedback yang feedback provided by consumers or users.
diberikan oleh konsumen atau user.
Kata kunci dalam misi yang kelima adalah: The keyword in the fifth mission is:
Good Corporate Governance (GCG) Good Corporate Governance (GCG)
Yang dimaksud GCG adalah suatu tata kelola bank yang GCG refers to bank governance that applies the principles of
menerapkan prinsip-prinsip keterbukaan (transparency), transparency, accountability, responsibility, independency,
akuntabilitas (accountability), pertanggungjawaban and fairness.
(responsibility), independensi (independency), dan kewajaran
(fairness).
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
JEJAK LANGKAH
z MILESTONES
Bank Agro didirikan oleh Dana Bank Agro was founded by the
1989 Pensiunan Perkebunan Dana Pensiunan Perkebunan
16 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
group
JEJAK LANGKAH
z MILESTONES
• Penambahan Modal melalui Penawaran • Additional Capital through Right Issue (PUT)
2015 Umum Terbatas (PUT) V pada Juni 2015 V in June 2015, elevating the bank to the TIER
sehingga menjadi Bank Umum Kelompok 2 level
Usaha kategori BUKU 2
• Implementasi Core Banking baru • Implementation of new Core Banking
BRIAGRONETS BRIAGRONET.
• BRI Agro mengganti nama dan logo • BRI Agro changed its name and logo to
2021 menjadi Bank Raya
• Penambahan Modal melalui HMETD
Bank Raya
• Additional Capital through Pre-emptive
(PMHMETD) IX pada November 2021 Rights (PMHMETD) IX in November 2021
• Peresmian dan Relokasi Kantor Pusat dari • Inauguration and Relocation of the Head
2022 Gedung Raya ke Menara BRILiaN Office from Gedung Raya to Menara
BRILiaN
• Penambahan Modal melalui HMETD • Additional capital through Pre-emptive
(PMHMETD) X pada Desember 2022 Rights (PMHMETD) X in December 2022
Perubahan logo Bank Raya menggunakan Changes to the Bank Raya logo using a
2023 logo baru sebagai corporate identity new logo as corporate identity by adding
dengan menambahkan kata “Bank” dan “BRI the words “Bank” and “BRI Group” to the
Group” pada logonya. Perubahan logo baru logo. Changes to the new Bank Raya logo is
Bank Raya sebagaimana tercantum pada stated in OJK Letter No. S-83/PB.212.2023
Surat OJK No. S-83/PB.212.2023 tanggal 1 dated November 1, 2023, concerning
November 2023 perihal Rencana Perubahan Plans to Change the Logo of PT Bank Raya
Logo PT Bank Raya Indonesia Tbk. Indonesia Tbk.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 17
KILAS KINERJA 2023
2023 Performance Flashback
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
IKHTISAR KEUANGAN
z FINANCIAL HIGHLIGHTS
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KILAS KINERJA 2023
2023 Performance Flashback group
IKHTISAR KEUANGAN
z FINANCIAL HIGHLIGHTS
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
IKHTISAR KEUANGAN
z FINANCIAL HIGHLIGHTS
LABA (RUGI) DAN PENGHASILAN KOMPREHENSIF PROFIT (LOSS) AND COMPREHENSIVE INCOME
(dalam jutaan Rupiah) (in millions of Rupiah)
Uraian / Description 2023 2022 2021 2020 2019
Laba tahun berjalan / Profit for the year 24.351 11.461 (3.045.701) 31.261 51.061
22 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
KILAS KINERJA 2023
2023 Performance Flashback group
IKHTISAR KEUANGAN
z FINANCIAL HIGHLIGHTS
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 23
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
IKHTISAR KEUANGAN
z FINANCIAL HIGHLIGHTS
Beban Operasional/Pendapatan
Operasional / Operating Expenses/ 90,51 93,34 287,86 97,12 96,64
Operating Income
Kredit/ Dana Pihak Ketiga (DPK) / Third
84,21 79,13 86,01 84,76 91,59
Party Funds (DPK)/Loan
Biaya Dana / Cost of Funds 4,82 3,61 4,08 5,97 7,02
Tingkat Suku Bunga Penyediaan Dana /
9,06 8,63 7,51 8,34 9,45
Interest Rate on Provision of Funds
Rasio CKPN Keuangan terhadap Aset
Produktif / Financial LLP to Earning 7,71 10,67 11,72 3,86 3,27
Assets Ratio
Pihak tidak terkait / Unrelated party 0,00 0,00 2,70 0,00 0,00
24 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
KILAS KINERJA 2023
2023 Performance Flashback group
IKHTISAR KEBERLANJUTAN
z SUSTAINABILITY HIGHLIGHTS
Penggunaan Listrik [B.2.a] / Electricity Usage [B.2.a] Gigajoule 1.734.97 3333,28 3.400,98
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 25
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
IKHTISAR SAHAM
z SHARE HIGHLIGHTS
Tabel Harga, Volume dan Kapitalisasi Saham Bank Raya Price, Volume and Capitalisation Table of Bank Raya’s
Shares
Harga Saham / Share Price Volume Perdagangan di Jumlah Saham Beredar Kapitalisasi Pasar
Periode 2023 Pasar Reguler (saham) (juta saham) / Number (Rp Juta) / Market
/ 2023 Period Tertinggi / Terendah / Penutupan / / Trading Volume in of Outstanding Shares Capitalization
Highest Lowest Closing Regular Market (shares) (million shares) (Rp Million)
Triwulan I /
466 344 386 2.116.656.000 24.740.107.814 9.549.681
Quarter 1
Triwulan II /
440 352 384 1.300.752.500 24.740.494.294 9.500.201
Quarter 2
Triwulan III /
422 302 304 1.131.262.400 24.740.494.294 7.520.992
Quarter 3
Triwulan IV /
376 216 310 3.494.624.200 24.740.494.294 7.669.433
Quarter 4
Harga Saham / Share Price Volume Perdagangan di Jumlah Saham Beredar Kapitalisasi Pasar
Periode 2022 Pasar Reguler (saham) (juta saham) / Number (Rp Juta) / Market
/ 2022 Period Tertinggi / Terendah / Penutupan / / Trading Volume in of Outstanding Shares Capitalization
Highest Lowest Closing Regular Market (shares) (million shares) (Rp Million)
Triwulan I /
1.845 1.235 1.240 3.057.249.400 22.746.526.712 28.205.693
Quarter 1
Triwulan II /
1.260 680 705 887.196.100 22.746.745.082 16.036.455
Quarter 2
Triwulan III /
895 545 550 2.605.427.200 22.746.905.982 12.510.709
Quarter 3
Triwulan IV /
685 398 404 1.902.291.300 24.740.107.814 9.995.339
Quarter 4
400
300
200
100
Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 Sep-23 Oct-23 Nov-23 Dec-23
26 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
KILAS KINERJA 2023
2023 Performance Flashback group
Sepanjang tahun 2023 tidak ada penghentian sementara Throughout 2023, the Company was not imposed of
perdagangan saham (suspension) dan atau penghapusan suspension and/or delisting of shares.
pencatatan saham (delisting).
AKSI KORPORASI
z CORPORATE ACTION
Sepanjang tahun 2023 tidak ada Aksi Korporasi yang There were no Corporate Actions carried out by the Company
dilakukan oleh Perseroan. Penambahan Saham beredar during 2023. The addition of outstanding shares due to the
dikarenakan excercise MESOP pada bulan April 2023 sebesar MESOP exercise in April 2023 amounted to 386,480 shares.
386.480 lembar saham.
Sepanjang tahun 2023 Bank Raya tidak menerbitkan obligasi Bank Raya did not issue bonds or other securities throughout
atau surat berharga lainnya. 2023.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 27
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PENGHARGAAN AWARDS
1 2
3 4 5
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KILAS KINERJA 2023
2023 Performance Flashback group
Kategori / Category Dimensi Teknologi Bank Digital Murni / Pure Digital Technology Dimension
Lembaga yang Memberikan /
Investor Trust & Intellectual Business Community
Awarded by
SERTIFIKASI CERTIFICATIONS
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 29
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Masa Berlaku / Validity Period 29 Desember 2022 s/d 28 Desember 2025 / December 29, 2022 to December 28, 2025
Penerapan Sistem Manajemen Layanan TI di Divisi Digital Operation yang melayani Pinang Flexi
Lingkup Sertifikasi / Scope of kepada Nasabah sesuai dengan katalog layanan yang berlaku. /
Certification Implementation of IT Service Management System in the Digital Operations Division which
serves Pinang Flexi to Customers in accordance with the applicable service catalogue.
Penerapan ISO/IEC 20000-1:2018 Sistem Manajemen Layanan TI merupakan salah satu upaya
untuk mewujudkan layanan Bank Digital yang customer-centric dan menghasilkan kinerja
terbaik sesuai dengan visi dan misi Bank Raya sebagai landasan yang kuat untuk pemberian
layanan kepada Nasabah secara berkelanjutan. /
Deskripsi Singkat / Brief Description
Implementation of ISO/IEC 20000-1:2018 IT Service Management System is an effort to realize
customer-centric Digital Bank services and produce the best performance in accordance with
Bank Raya’s vision and mission as a strong foundation for providing services to customers on
an ongoing basis.
Lembaga yang Memberikan / Issued by BSI
30 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
KILAS KINERJA 2023
2023 Performance Flashback group
Masa Berlaku / Validity Period 13 Juni 2022 s/d 13 Juni 2025 / June 13, 2022 to June 13, 2025
Sertifikat INDI 4.0 PT Bank Raya Indonesia Tbk dengan nilai 3,07 pada Level 3 / PT Bank Raya
Deskripsi Singkat / Brief Description
Indonesia Tbk INDI 4.0 certificate with a score of 3.07 at Level 3
Lembaga yang Memberikan / Issued by Kementerian Perindustrian / Ministry of Industry
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 31
LAPORAN
MANAJEMEN
Management Report
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
34 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
Management Report group
LAPORAN DEWAN
KOMISARIS
z BOARD OF COMMISSIONERS REPORT
Throughout 2023, the Board of Commissioners carries out its duties and
responsibilities in performing its supervisory function over the implementation of the
Board of Directors’ duties in managing the Bank. The Board of Commissioners also
ensures that the Bank refers to the established business plan while conducting its
operational activities and ensures compliance with all applicable laws and regulations.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 35
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pertama-tama, puji dan syukur ke hadirat Tuhan Yang Allow us to begin this report by conveying our praise and
Maha Esa karena atas karunia-Nya, Bank Raya mampu gratitude to Almighty God for the blessings that enable Bank
menghadirkan kinerja yang baik di tengah tantangan yang Raya to deliver positive performance amidst the challenges
dihadapi pada tahun 2023. Dengan didukung sinergi di in 2023. Supported by synergy among Raya Rangers, the
antara Raya Rangers, Direksi beserta jajaran terkait telah Board of Directors and relevant staff have carried out their
melaksanakan fungsi pengurusan Bank secara baik, seiring functions of bank management appropriately in line with the
proses transformasi untuk hadir sebagai digital attacker transformation process to rise as a digital attacker for the
BRI Group di tengah pasar perbankan digital yang terus BRI Group in the growing digital banking market. The Board
tumbuh. Dewan Komisaris menilai, Direksi telah mendorong of Commissioners assesses that the Board of Directors has
Bank untuk berupaya merealisasikan target Bank dari aspek encouraged the Bank to be closer in striving to realize the
keuangan & pasar, customer centric, efektivitas produk & Bank’s targets from financial & market aspects, customer
proses serta kepemimpinan dan good corporate governance centricity, product & process effectiveness, as well as
secara memadai. adequate leadership and good corporate governance.
Melalui kesempatan ini, selaku organ pengawas dan pemberi On this occasion, the Board of Commissioners as a
nasihat, Dewan Komisaris akan menyampaikan laporan supervisory and advisory organ would like to submit a duty
pelaksanaan tugas untuk periode tahun 2023. Laporan ini implementation report for the 2023 period. This report
terdiri atas uraian dari sejumlah aspek, mencakup penilaian consists of a description of several aspects, including the
terhadap kinerja Direksi, pengawasan terhadap perumusan Board of Directors performance assessment, supervision of
dan implementasi strategi Bank, hingga pandangan terhadap the Bank’s strategy formulation and implementation, as well
prospek usaha yang disusun Direksi. Pembahasan mengenai as opinions on business outlook prepared by the Board of
masing-masing hal tersebut adalah sebagai berikut. Directors with the following discussions on each subject.
Secara umum, Dewan Komisaris mengamati, situasi makro The Board of Commissioners regards that the 2023 global
ekonomi global pada tahun 2023 berada pada kondisi macroeconomic conditions were in a challenging position
yang menantang, dengan indikator-indikator ekonomi with economic indicators showing that the ASEAN countries
memperlihatkan situasi pada kelompok negara ASEAN yang are more resilient than countries in other regions (World Bank,
resilien dibanding negara-negara pada kawasan lain (Bank January 2024). Global trade recorded weak performance due
Dunia, Januari 2024). Perdagangan global tercatat lemah, to the shift from consumption of goods to services, as well
sebagai konsekuensi perpindahan konsumsi dari konsumsi as stricter trade policies in several countries. In this regard,
barang menjadi jasa, serta adanya kebijakan perdagangan the inflation rate was still above target in most advanced
yang lebih ketat pada sejumlah negara. Seiring hal itu, tingkat economies with a better decline in the second half of 2023
inflasi masih berada di atas target pada sebagian besar compared to the previous period.
negara ekonomi maju, dengan penurunan yang lebih baik
pada semester II 2023 dibanding periode sebelumnya.
Meski demikian, ekonomi makro Indonesia memperlihatkan However, Indonesia’s macroeconomy shows a good resilience
tingkat ketahanan yang baik. Indikator yang dapat diacu level. Indicators for this include a sustained growth rate
terkait hal ini mencakup tingkat pertumbuhan yang terjaga of around 5.05% in 2023 (Statistics Indonesia, February
pada rentang 5,05% pada 2023 (Badan Pusat Statistik, 2024). Inflation was also able to be controlled at the target
Februari 2024). Selain itu, inflasi juga mampu terkendali of 3%±1, namely 2.61%, supported by strong synergy between
pada target sasaran 3%±1 yaitu sebesar 2,61%, didukung regulators through the formation of the Central Inflation
sinergi yang kuat di antara regulator melalui keberadaan Control Team (TPIP) and the Regional Inflation Control Team
36 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
Management Report group
Tim Pengendali Inflasi Pusat (TPIP) dan Tim Pengendali (TPID). Household consumption and investment recorded
Inflasi Daerah (TPID). Konsumsi rumah tangga dan investasi growth of 4.90% and 4.20 respectively in Q3 2023 with the
tercatat tumbuh, masing-masing sebesar 4,90% dan 4,20% Purchasing Manager Index (PMI) in the expansive zone.
pada kuartal III tahun 2023, dengan Purchasing Manager Index
(PMI) berada pada zona ekspansif.
Industri perbankan Indonesia pada tahun 2023 berada pada The Indonesian banking industry in 2023 was in good
kondisi yang baik, tercermin melalui tingkat likuiditas yang condition as reflected in an adequate level of liquidity and
memadai serta keberlanjutan peningkatan intermediasi continued improvement in banking intermediation. Growth
perbankan. Terdapat pertumbuhan kredit UMKM mencapai in MSME loans reached 8.46% (yoy) supported by growth in
8,46% (yoy) yang didukung pertumbuhan pada sektor the trade, agriculture, and social services sectors. Good
perdagangan, pertanian, dan jasa sosial. Kondisi industri industrial conditions can also be seen in strong capital and
yang baik juga terlihat pada permodalan yang kuat serta low credit risk, with Bank Indonesia’s stress-test results
risiko kredit yang rendah, dengan hasil stress-test Bank showing strong banking resilience amidst the pressures of
Indonesia menunjukkan ketahanan perbankan yang kuat di global conditions.
tengah tekanan situasi global.
Pada situasi tersebut, kinerja transaksi ekonomi dan In this condition, the performance of digital economic and
keuangan digital di Indonesia tercatat tetap kuat pada financial transactions in Indonesia was able to maintain in
tahun 2023, didukung kebijakan Pemerintah Pusat dan 2023, supported by policies of the Central Government and
Bank Indonesia dalam mendorong akselerasi digitalisasi Bank Indonesia in encouraging accelerated digitalization
sistem pembayaran. Pada 2023, mengacu pada data Bank of the payment system. In November 2023, Bank Indonesia
Indonesia, realisasi nilai transaksi digital banking tercatat mentioned the realized value of digital banking transactions
sebesar Rp58.478,24 triliun atau tumbuh 13,48% (yoy) dengan at Rp58,478.24 trillion or grew 13.48% (yoy) with Electronic
nilai transaksi Uang Elektronik (UE) meningkat 13,21% Money (UE) transactions increasing 13.21% (yoy). QRIS
(yoy). Nominal transaksi QRIS tumbuh 130,01% (yoy) dengan transactions also grew 130.01% (yoy) reaching Rp229.96
realisasi mencapai Rp229,96 triliun dan jumlah pengguna trillion with 45.78 million users.
mencapai 45,78 juta.
Di tengah peluang dan tantangan yang dihadapi pada 2023, Amid the opportunities and challenges in 2023, the Board
Dewan Komisaris menilai Direksi beserta jajaran terkait of Commissioners assesses that the Board of Directors and
telah melaksanakan pengurusan Bank dengan kinerja yang related staff have carried out Bank management with great
baik. Secara mendasar, Direksi beserta seluruh jajaran performance. Fundamentally, the Board of Directors and
terkait telah melaksanakan kebijakan strategis yang termuat all related levels have implemented the strategic policies
di dalam Rencana Bisnis Bank (RBB), melalui koordinasi contained in the Bank Business Plan (RBB) through effective
yang efektif bersama Dewan Komisaris dan Komite pada coordination with the Board of Commissioners and the Board
Dewan Komisaris. Dewan Komisaris bersama Direksi telah of Commissioners committee. The Board of Commissioners
menerapkan hubungan kerja melalui komunikasi yang and the Board of Directors have implemented a working
intensif, untuk melakukan fungsi pengawasan. Dewan relationship through intensive communication, to perform
Komisaris telah memberikan masukan dan nasehat terhadap their supervisory functions. The Board of Commissioners
Kinerja Direksi selama tahun 2023 dalam forum Rapat Direksi provides input and advice on the Board of Directors’
dan Dewan Komisaris, maupun dalam forum Rapat Dewan performance during 2023 in the Board of Directors and Board
Komisaris. of Commissioners meeting forums, as well as in the Board of
Commissioners meeting forums.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 37
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pada tahun 2023, penyaluran kredit Bank adalah sejumlah In 2023, the Bank’s loan disbursement was Rp6.89 trillion, a
Rp6,89 triliun, menurun 11,24% (yoy) dibanding pada 2022 decrease of 11.24% (yoy) compared to that of 2022 at Rp7.77
yang sejumlah Rp7,77 triliun. Realisasi tersebut seiring trillion. This realization is in line with the decline in legacy
penurunan bisnis legacy mengingat fokus ekspansi Bank businesses considering Bank Raya’s expansion focuses on
Raya pada pertumbuhan bisnis digital. Terkait hal tersebut, the growth of digital businesses. In this regard, the Bank’s
kredit bisnis digital Bank pada 2023 adalah sebesar Rp1,26 digital business loan in 2023 amounted to Rp1.26 billion or
triliun atau telah tumbuh 36,81% (yoy) dibanding pada 2022 has grown 36.81% (yoy) compared to that of 2022 at Rp921
yang sejumlah Rp921 miliar. billion.
Dana Pihak Ketiga (DPK) bank pada tahun 2023, adalah The Bank’s Third Party Funds (DPK) was Rp8.19 trillion in
sejumlah Rp8,19 triliun menurun 16,60% dibanding pada 2023, a decrease of 16.60% compared to the total fund
2022 sebesar Rp9,81 triliun. Kami melihat bahwa penurunan of Rp9.81 trillion in 2022. We see that this reduction is a
tersebut adalah langkah strategis yang harus diambil strategic step that must be taken by the Company that is still
perusahaan yang masih dalam tahap konsolidasi untuk in the consolidation stage to minimize expenses and increase
mengurangi biaya dan meningkatkan pendapatan. Meskipun income. Nevertheless, digital savings Bank’s experienced
demikian, digital saving mengalami pertumbuhan sebesar growth of 36.23% (yoy) to Rp839.25 billion.
36,23% (yoy) menjadi sebesar Rp839,25 miliar.
Pada sisi profitabilitas, Bank berhasil membukukan laba In terms of profitability, the Bank posted a net profit of Rp24
bersih sejumlah Rp24 miliar, meningkat 112,47% dibanding billion, an increase of 112.47% compared to that of the previous
realisasi pada tahun sebelumnya yang sejumlah Rp11,46 year at Rp11.46 billion. The improvement of important ratios
miliar. Perbaikan rasio-rasio penting dapat terlihat dari rasio can be seen in the RIM ratio which remained at 88.73% and
RIM yang dapat dijaga di level 88,73% dan rasio LDR sebesar the LDR ratio was 84.21%. The gross NPL can be maintained
84,21%. Kemudian NPL gross dapat dipertahankan sebesar at 4.40% with sufficient NPL Coverage of 296.41%. The Board
4,40% dengan NPL Coverage yang memadai sebesar 296,14%. of Directors also succeeds in implementing the efficiency
Direksi juga berhasil melaksanakan strategi efisiensi terlihat strategy as shown by the BOPO ratio improving to 90.51% in
dari rasio BOPO yang semakin membaik di tahun 2023 2023 compared to 2022 at 93.34%. Aside from that, in terms
sebesar 90,51% dibandingkan tahun 2022 sebesar 93,34%. of capital, the Bank still has strong capital which is reflected
Selain itu dari sisi permodalan, Bank masih memiliki modal from the CAR ratio of 43.84%.
yang kuat terlihat dari rasio CAR sebesar 43,84%.
Secara kualitatif Dewan Komisaris menilai Direksi telah Qualitatively, according to the Board of Commissioners’
mengeksekusi Strategic Initiatives (SI) dalam upaya assessment, the Board of Directors executes Strategic
transformasi dengan baik. Pada tahun 2023, Direksi telah Initiatives (SI) in transformation efforts well. In 2023, the
menginisiasi pengembangan produk digital dan layanan Board of Directors initiated the development of digital
bank digital, untuk menghadirkan kemudahan transaksi bagi products and digital banking services, to provide easy
nasabah. Melalui implementasi kebijakan strategis yang telah transactions for customers. By implementing strategic
dilakukan, Bank juga terus meningkatkan fokus pada pelaku policies that have been carried out, the Bank also continues
usaha dan komunitas sebagai target pasar utama. to focus on business actors and communities as the main
target markets.
Pada tahun 2023, Strategic Initiative yang telah berhasil The Strategic Initiatives that have been successfully
dikembangkan adalah: developed in 2023 are:
1. Pinang Flexi Kasbon; 1. Pinang Flexi Kasbon;
2. Akun Bisnis pada Raya Apps; 2. Business Account on Raya Apps;
3. Cash In & Cash Out pada Agen BRILink dan ATM BRI; 3. Cash In & Cash Out at BRILink Agents and BRI ATMs;
38 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
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Untuk selanjutnya, inisiasi dapat terus dikembangkan dan In the future, the initiative can continue to be developed and
Dewan Komisaris akan mengawasi progress penyelesaian the Board of Commissioners will monitor its completion and
dan realisasinya. realization progress.
Dewan Komisaris menilai Direksi telah melaksanakan The Board of Commissioners assesses that the Board of
pengurusan Bank sesuai sasaran kinerja dan kebijakan Directors has carried out the management of the Bank in
strategis dalam RBB. Direksi beserta jajaran terkait telah accordance with the performance targets and strategic
menerapkan sejumlah kebijakan strategis dalam mendorong policies set in the RBB. The Board of Directors and related staff
Bank untuk menghadirkan peran yang signifikan sebagai have implemented several strategic policies to encourage the
digital attacker BRI Group. Secara mendasar, Dewan Bank to bring significant acts as a digital attacker for the BRI
Komisaris menilai kebijakan strategis yang telah disusun dan Group. Fundamentally, the Board of Commissioners assesses
kemudian diimplementasikan oleh Bank telah sesuai dengan that the strategic policies prepared and implemented by the
visi dan misi Bank Raya, baik pada aspek saving maupun Bank are in accordance with the vision and mission of Bank
lending. Raya in terms of saving and lending aspects.
Akhirnya, Dewan Komisaris menilai Direksi telah At last, the Board of Commissioners assesses that the
melaksanakan pengurusan Bank dengan sungguh-sungguh di Board of Directors has carried out the management of the
tengah berbagai tantangan yang cukup berat yang tercermin Bank seriously amidst various quite serious challenges as
melalui tingkat pencapaian Key Performance Indicator (KPI) reflected in the Key Performance Indicator (KPI) achievement
yang tercapai sebesar 81,18%, dengan strategic initiative level which was achieved at 81.18%, with the Digital Business
Pengembangan Bisnis Digital tercapai sebesar 94.43%. Development strategic initiative achieved at 94.43%.
Dewan Komisaris telah melaksanakan tugas dan tanggung The Board of Commissioners has carried out its duties and
jawab secara menyeluruh pada tahun 2023, mencakup responsibilities comprehensively in 2023, which among
pelaksanaan fungsi pengawasan terhadap pengurusan Bank. others are the implementation of supervisory function on
Fungsi pengawasan Dewan Komisaris dilaksanakan melalui Bank management. The Board of Commissioners supervisory
hubungan kerja bersama Direksi, dengan didukung oleh function is carried out through working relationship with the
keberadaan organ-organ di bawah Dewan Komisaris dan Board of Directors, supported by organs under the Board
Direksi. Pengawasan Dewan Komisaris dilakukan sebagai of Commissioners and Board of Directors as a continuous
upaya berkesinambungan dalam rangka memastikan Direksi effort to ensure that the Board of Directors and related
beserta jajaran terkait dapat melaksanakan pengurusan atas staff are able to manage the Bank’s operational activities in
aktivitas operasional Bank, sesuai rencana bisnis yang telah accordance with the established business plan.
ditetapkan.
Lebih dari itu, pengawasan Dewan Komisaris juga telah In addition, the Board of Commissioners also supervised
dilakukan atas penerapan fungsi kepatuhan Bank, yaitu the Bank’s compliance function, namely compliance with
pemenuhan terhadap peraturan perundang-undangan yang applicable laws and regulations as well as GCG implementation
berlaku, di samping praktik implementasi GCG pada seluruh practices in all lines of the Bank during 2023.
lini Bank pada 2023.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 39
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengawasan terhadap Perumusan dan Implementasi Supervision of Strategy Formulation and Implementation
Strategi
Dewan Komisaris secara aktif telah memberikan dukungan The Board of Commissioners has actively provided
yang diperlukan dalam proses perumusan kebijakan strategis necessary support in formulating the Bank’s strategic
Bank, mencakup kebijakan yang termuat di dalam RBB. Pada policies, including those contained in the RBB. In 2023, the
tahun 2023, Direksi telah menyusun kebijakan strategis Board of Directors has formulated strategic policies based
berdasarkan tinjauan mendalam terhadap perkembangan on an in-depth review of developments in the Bank’s internal
kondisi internal dan eksternal Bank, melalui komunikasi yang and external conditions through effective communication
efektif dengan Dewan Komisaris. Dalam proses tersebut, with the Board of Commissioners. In this process, the Board
Dewan Komisaris telah melakukan penelaahan atas kondisi of Commissioners has reviewed the current condition of
terkini Bank, termasuk analisis terhadap tantangan dan the Bank, including with an analysis of the challenges and
peluang yang dihadapi, untuk kemudian memberikan opportunities followed by recommendations and directions
rekomendasi serta arahan bagi Direksi. to the Board of Directors.
Selama 2023, Dewan Komisaris telah melaksanakan tugas Throughout 2023, the Board of Commissioners carries out
dan tanggung jawab dalam melakukan fungsi pengawasan its duties and responsibilities in performing its supervisory
terhadap pelaksanaan tugas Direksi dalam mengelola Bank. function over the implementation of the Board of Directors’
Dewan Komisaris juga telah memastikan bahwa dalam duties in managing the Bank. The Board of Commissioners
melaksanakan kegiatan operasionalnya, Bank telah mengacu also ensures that the Bank refers to the established business
kepada rencana bisnis yang telah ditetapkan dan memastikan plan while conducting its operational activities and ensures
kepatuhan terhadap seluruh peraturan dan perundang- compliance with all applicable regulations and legislation.
undangan yang berlaku.
A. Penilaian Aspek Kuantitatif (Kinerja Keuangan) A. Quantitative Aspect Assessment (Financial
Performance)
Secara umum kinerja Bank Raya sampai dengan akhir Bank Raya’s performance as of the end of 2023 generally
tahun 2023 menunjukkan adanya pertumbuhan pada show growth in several main indicators. Total Loans in
beberapa indikator utama. Total Kredit Yang Diberikan the Medium, Retail, Consumer, and Micro segments are
(KYD) pada segmen Menengah, Ritel, Konsumer dan aligned with the direction of transformation towards
Mikro telah sesuai dengan arah transformasi menuju digital business. This is reflected in the increase in
bisnis digital. Hal ini tercermin dari peningkatan pada digital loans of 36.81% compared to the previous year. In
pinjaman digital sebesar 36,81% dibandingkan tahun terms of liabilities, digital savings growth increased by
sebelumnya. Dari sisi liabilitas, pertumbuhan simpanan 36.23% compared to the previous year. We appreciate
digital meningkat sebesar 36,23% dibandingkan dengan the Board of Directors’ performance on track, as digital
tahun sebelumnya. Dengan pertumbuhan bisnis digital business growth increases by double digits in 2023.
yang meningkat sebesar dua digit tahun 2023, kami
mengapresiasi kinerja Direksi yang telah on track.
Pada akhir Desember 2023, Bank Raya berhasil mencatat As of the end of December 2023, Bank Raya recorded a
laba bersih sebesar Rp24,35 miliar, meningkat sebesar net profit of Rp24.35 billion, an increase of 112.47% from
112,47% dari tahun sebelumnya sebesar Rp11,46 miliar. the previous year of Rp11.46 billion. The BOPO ratio was
Rasio BOPO sebesar 90,51% mencatatkan pencapaian 90.51%, exceeding the target and showing that Bank
yang lebih baik dari target, yang menunjukkan Bank Raya is able to efficiently manage its operational costs
Raya dapat mengendalikan biaya operasionalnya relative to the operational income obtained. Overall,
40 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
Management Report group
secara efisien relatif terhadap pendapatan operasional bank capital is proven to be sufficient to support
yang diperoleh. Secara keseluruhan, permodalan bank growth, with the Capital Adequacy Ratio (CAR) reaching
terbukti memadai untuk mendukung pertumbuhan, 43.84% in 2023, exceeding the target of 34.38%.
dengan Capital Adequacy Ratio (CAR) pada 2023
mencapai 43,84%, melebihi target sebesar 34,38%.
Bank Raya terus menjaga kualitas kreditnya melalui Bank Raya continues preserving its credit quality
penerapan prudential banking yang optimal. Meski through the optimal prudential banking implementation.
terdapat peningkatan NPL di tahun 2023 menjadi Although there was an increase at the NPL in 2023 of
4,40%, NPL Coverage mampu tetap dijaga sebesar 4.40%, NPL Coverage managed to remain at 296.14%.
296,14%. Hal ini menunjukkan Bank Raya tetap mampu This shows that Bank Raya is still capable of applying
menerapkan prinsip kehati-hatian secara baik. the principle of prudence well.
Frekuensi dan Tata Cara Pemberian Nasihat Kepada Direksi Frequency and Procedures for Advice Provision to the
Board of Directors
Secara umum, Dewan Komisaris menerapkan fungsi In general, the Board of Commissioners implements a
pengawasan terhadap pengurusan Bank melalui supervisory function over the Bank management through
penyelenggaraan rapat, baik berupa rapat internal, rapat meetings, which could be in the form of internal meetings,
gabungan bersama Direksi, maupun rapat kerja bersama joint meetings with the Board of Directors, or working
Komite Dewan Komisaris. Masing-masing penyelenggaraan meetings with the Board of Commissioners committee. Each
rapat merupakan forum bagi Dewan Komisaris dalam meeting is held as a forum for the Board of Commissioners to
menyusun dan memberikan arahan, rekomendasi, pendapat, prepare and provide direction, recommendations, opinions,
hingga mengambil keputusan Dewan Komisaris. and make decisions of the Board of Commissioners.
Pada tahun 2023, Dewan Komisaris telah mengikuti In 2023, the Board of Commissioners attended 47 (forty
penyelenggaraan rapat internal sejumlah 47 (empat puluh seven) internal meetings and 12 (twelve) joint meetings with
tujuh) kali serta rapat gabungan bersama Direksi sejumlah 12 the Board of Directors. Furthermore, advice is also provided
(dua belas) kali. Selain itu, pemberian nasihat juga dilakukan through Letters from the Board of Commissioners which
melalui Surat Dewan Komisaris yang selama 2023 telah during 2023, 12 (twelve) letters have been submitted.
tersampaikan sejumlah 12 (dua belas) kali.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 41
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dewan Komisaris telah menelaah prospek usaha yang The Board of Commissioners has reviewed the business
disusun Direksi, serta menyampaikan arahan dan outlook prepared by the Board of Directors and conveyed
rekomendasi di dalam proses penyusunan target dan directions and recommendations in preparing strategic
kebijakan strategis di dalam Rencana Bisnis Bank (RBB) targets and policies for the 2024 Bank Business Plan (RBB).
2024. Atas dasar penelaahan tersebut, Dewan Komisaris Based on the review, the Board of Commissioners views that
memandang, Direksi telah menyusun prospek usaha Bank the Board of Directors has prepared the Bank’s business
dengan memperhatikan indikator-indikator yang relevan, outlook by taking into account relevant indicators, as a
sebagai gambaran komprehensif mengenai peluang dan comprehensive representation of the opportunities and
tantangan yang akan dihadapi Bank. Lebih dari itu, Direksi challenges that the Bank will face. Moreover, the Board of
telah mempertimbangkan tren perkembangan kebutuhan Directors has carefully considered the development trends
masyarakat terhadap layanan digital, khususnya di tengah in people’s needs for digital services, especially amidst
perkembangan teknologi digital dan arus digitalisasi. developments in digital technology and digitalization growth.
Di tengah tantangan eksternal yang akan dihadapi Bank, With the external challenges to be faced by the Bank, the
Dewan Komisaris menilai target dan kebijakan strategis Board of Commissioners assesses that the strategic targets
yang ditetapkan melalui RBB 2024 merupakan sasaran kerja and policies set in the RBB 2024 are reasonable and can be
yang realistis untuk dipenuhi. Untuk mendukung pencapaian met. In supporting the performance target achievement, the
sasaran kinerja tersebut, Dewan Komisaris akan secara Board of Commissioners will thoroughly monitor strategic
menyeluruh menerapkan monitoring terhadap implementasi policies implemented by the Board of Directors and conduct
kebijakan strategis yang akan diterapkan Direksi, serta regular performance evaluations through coordination in an
melakukan evaluasi kinerja secara berkala, melalui koordinasi effective working relationship with the Board of Directors.
yang dilaksanakan melalui hubungan kerja yang efektif
bersama Direksi.
Dewan Komisaris telah memberi penekanan bagi Direksi The Board of Commissioners has emphasized the Board
beserta jajaran terkait untuk dapat memastikan proses of Directors and related staff to ensure that the Bank’s
transformasi Bank dapat terlaksana sesuai harapan. Atas transformation is carried out as planned. In this regard,
hal tersebut, dukungan teknologi informasi dan sinergi the support of information technology and the BRI Group
ekosistem BRI Group, agar Bank dapat tumbuh dan hadir ecosystem system are necessary for the Bank to grow and
secara kuat di tengah masyarakat. have a strong presence in society.
Dewan Komisaris memahami bahwa penerapan prinsip- The Board of Commissioners understands that the
prinsip GCG pada praktik pengurusan Bank merupakan hal implementation of GCG principles in Bank management
yang secara mendasar sangat penting untuk dilakukan. practices is a very fundamental subject. Implementation of
Penerapan prinsip-prinsip GCG sesuai ketentuan dan standar GCG principles in accordance with applicable regulations
yang berlaku merupakan upaya berkelanjutan dari Bank dalam and standards is a continuous effort by the Bank to provide
menghadirkan nilai tambah bagi pemangku kepentingan. added value for stakeholders. Through GCG implementation,
Melalui penerapan GCG, Bank mampu menghadirkan praktik the Bank is able to realize banking operations practices
42 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
Management Report group
operasi perbankan berlandaskan kehati-hatian (prudential based on prudential banking, which grows towards the vision
banking), sehingga tumbuh sesuai visi menjadi “The Best of becoming “The Best Digital Bank by Becoming House of
Digital Bank by Becoming House of Fintech and Home for Gig Fintech and Home for Gig Economy ”.
Economy”.
Secara umum, Dewan Komisaris menilai Direksi beserta In general, the Board of Commissioners assesses that the
jajaran terkait telah melaksanakan pengurusan Bank melalui Board of Directors and related staff have carried out Bank
pemenuhan prinsip-prinsip GCG secara menyeluruh. Direksi management through comprehensive compliance with GCG
telah melakukan upaya-upaya yang diperlukan dalam principles. The Board of Directors has made the necessary
memastikan Bank memiliki perangkat organ dan kebijakan efforts to ensure that the Bank has a strong set of internal
internal (soft-structure) yang kuat, sesuai perkembangan organs and policies (soft-structure), in accordance with
bisnis dan organisasi Bank. Dewan Komisaris memastikan the development of the Bank’s business and organization.
Direksi telah melakukan peninjauan berkala terhadap The Board of Commissioners ensures that the Board of
kebijakan penerapan GCG Bank, dalam rangka mendorong Directors has carried out periodic reviews of the Bank’s GCG
upaya pemutakhiran agar soft-structure GCG Bank tetap implementation policies to encourage improvements for the
relevan dan memadai sesuai dinamika yang dihadapi. Bank’s GCG soft-structure to stay relevant and adequate to
Pemenuhan prinsip-prinsip GCG juga telah dilakukan melalui the dynamics. Fulfillment of GCG principles has also been
pemenuhan kepatuhan terhadap peraturan perundang- carried out through compliance with prevailing laws and
undangan serta regulasi yang berlaku bagi Bank. regulations to the Bank.
Dewan Komisaris mengapresiasi upaya Direksi beserta jajaran The Board of Commissioners appreciates the efforts of the
terkait dalam memastikan implementasi dan penyempurnaan Board of Directors and related staff in ensuring the effective
GCG Bank dapat dilaksanakan secara efektif. Hal tersebut implementation and improvement of the Bank’s GCG which,
antara lain dilakukan melalui penyusunan Roadmap GCG among others is carried out through the preparation of
2020-2024 yang telah memuat fokus implementasi dan the 2020-2024 GCG Roadmap covering a focus on GCG
pengembangan GCG pada masing-masing tahun buku. Pada implementation and development in each fiscal year. In
tahun 2023, Dewan Komisaris memastikan, Direksi telah 2023, the Board of Commissioners ensured that the Board
berfokus pada penyempurnaan compliance culture pada tiap- of Directors focused on improving compliance culture at
tiap level organisasi, di samping menerapkan sosialisasi dan each level of the organization, followed by dissemination
internalisasi prinsip-prinsip GCG pada personil pada seluruh and internalization of GCG principles to personnel in all
unit kerja. Di samping itu, implementasi dan penyempurnaan work units. In addition, the Bank’s GCG implementation
GCG Bank juga berfokus pada aspek governance stucture and improvement also focus on the aspect and process of
serta process, khususnya terkait dengan proses transformasi governance structure, especially related to the ongoing
yang berlangsung serta kesiapan Bank menjadi Bank Digital. transformation process and the Bank’s readiness to become
a Digital Bank.
Sebagai upaya penyempurnaan GCG, Bank telah For GCG improvement, the Bank has carried out GCG
melaksanakan penilaian implementasi GCG melalui metode implementation self-assessment regularly with the active
self-assessment secara periodik, dilaksanakan melalui involvement of the Board of Commissioners, Board of
keterlibatan aktif dari Dewan Komisaris, Direksi, dan Directors, and executive officers of the Bank. The Board
pejabat eksekutif Bank. Dewan Komisaris memastikan of Commissioners ensures that the Board of Directors and
Direksi beserta jajaran terkait dapat menindaklanjuti related staff can follow up on recommendations or areas of
rekomendasi ataupun area of improvement yang dihasilkan improvement which is the result of the GCG assessment, as
dari assessment GCG tersebut, sebagai upaya berkelanjutan a continuous effort to improve the quality of the Bank’s GCG
dalam menyempurnakan kualitas implementasi GCG Bank implementation from year to year.
dari tahun ke tahun.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 43
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Melalui hubungan kerja bersama Direksi, Dewan Komisaris Through working relationship with the Board of Directors,
memantau dan memastikan fungsi kepatuhan Bank the Board of Commissioners monitors and ensures that the
dilaksanakan secara efektif untuk mewujudkan budaya Bank’s compliance functions are implemented effectively
kepatuhan pada tiap-tiap level organisasi dan kegiatan usaha to build a culture of compliance at every level of the Bank’s
Bank. Lebih dari itu, Dewan Komisaris memastikan Direksi organization and business activities. In addition, the Board
beserta jajaran terkait mampu mengelola risiko kepatuhan of Commissioners ensures that the Board of Directors and
yang dihadapi Bank dengan baik, di samping memastikan related staff are able to properly manage compliance risks
kebijakan, ketentuan, sistem, dan prosedur yang berlaku of the Bank while also ensuring the policies, provisions,
di lingkungan Bank senantiasa sesuai dengan ketentuan systems and procedures of the Bank always comply with
Otoritas Jasa Keuangan (OJK) serta peraturan perundang- the provisions of the Financial Services Authority (OJK) and
undangan. statutory regulations.
Secara umum, Dewan Komisaris memandang penerapan In general, the Board of Commissioners views that the
fungsi kepatuhan telah dilaksanakan secara baik oleh Direksi implementation of the compliance function has been carried
dan jajaran terkait. Hal ini antara lain tercermin melalui out properly by the Board of Directors and related staff. This is
keberadaan pedoman operasional, sebagai perangkat reflected, among others, through the existence of operational
dalam memastikan penerapan fungsi kepatuhan dapat guidelines, as a tool to ensure that compliance function can
dilaksanakan secara konsisten dan sistematis. Penerapan be implemented consistently and systematically. The Bank’s
fungsi kepatuhan Bank juga telah didukung oleh keberadaan compliance function has also been supported by an adequate
perangkat organ serta struktur penanggung jawab yang organ and management structure, namely the Compliance
memadai, melalui Satuan Kerja Kepatuhan yang bekerja di Work Unit which works under the authority of the Director of
bawah kewenangan Direktur Enterprise Risk Management, Enterprise Risk Management, Compliance & Human Capital.
Compliance & Human Capital.
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Management Report group
Komisaris memastikan, Direksi beserta jajaran terkait telah risk management in order to identify, measure, monitor and
menerapkan manajemen risiko bank secara efektif dalam control risks.
rangka mengidentifikasi, mengukur, memantau, hingga
mengendalikan risiko.
Berdasarkan praktik pengawasan pada tahun 2023, Dewan Based on supervisory practices in 2023, the Board of
Komisaris memandang, Direksi beserta jajaran terkait telah Commissioners views that the Board of Directors and related
mengimplementasikan sistem manajemen risiko Bank staff have implemented the Bank’s risk management system
dengan baik. Hal tersebut didasarkan pada pengawasan aktif appropriately. This opinion is based on active supervision
yang dilakukan oleh Dewan Komisaris, antara lain melalui by the Board of Commissioners, including through approval
persetujuan dan evaluasi kebijakan manajemen risiko, yang and evaluation of risk management policies, indicating that
menunjukkan bahwa manajemen risiko Bank telah didukung the Bank’s risk management is supported by adequate policy
oleh kecukupan perangkat kebijakan. Melalui evaluasi tools. Through regular evaluations in Board of Commissioners
berkala dalam forum rapat Dewan Komisaris ataupun rapat meetings or Risk Monitoring Committee meetings, the Board
Komite Pemantau Risiko, Dewan Komisaris memandang, of Commissioners views that the Bank’s risk control has
pengendalian risiko Bank telah diterapkan secara sistematis been implemented systematically through the three lines of
melalui three line of defence. defense.
Pada tahun 2023, self-assessment untuk pengukuran Tingkat A self-assessment to measure the Risk-Based Bank Rating
Kesehatan Bank dilaksanakan pada semester I 2023 dengan was conducted in the first semester of 2023 with a score of
hasil nilai 2 (dua) setara predikat “Baik”. Kemudian, Bank 2 (two), which is equal to the “Good” predicate. The Bank then
kembali melakukan self-assessment pada semester II 2023, performed another self-assessment in the second semester
dengan hasil nilai 2,18 (dua koma delapan belas) atau setara of 2023, with a score of 2.18 (two point eighteen) or the
predikat “Baik”. Pada umumnya penilaian memiliki tren yang equivalent of the “Good” predicate. The assessment generally
stabil dengan faktor-faktor yang mempengaruhinya terdapat has a stable trend with factors that influence it and there is
perbaikan pada faktor rentabilitas sehingga Peringkat an improvement in the profitability factor so that the Bank
Kesehatan Bank mendapat nilai 2 atau Bank Sehat. Health Rating gets a score of 2 or Healthy Bank.
Dewan Komisaris telah memastikan tiap-tiap laporan yang The Board of Commissioners has ensured that every report
masuk dapat diterima dan ditindaklanjuti secara baik, sesuai can be received and followed up properly in accordance with
prosedur dan mekanisme yang berlaku. applicable procedures and mechanisms.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam melaksanakan fungsi pengawasan dan pemberian In carrying out its supervisory and advisory functions, the
nasihat, Dewan Komisaris didukung oleh keberadaan 3 (tiga) Board of Commissioners is supported by 3 (three) Board
Komite Dewan Komisaris yang terdiri dari Komite Audit, of Commissioners Committees consisting of the Audit
Komite Pemantau Risiko, dan Komite Remunerasi dan Committee, Risk Monitoring Committee, and Remuneration
Nominasi. Penjabaran mengenai komite-komite di bawah and Nomination Committee. Description of the committees
Dewan Komisaris serta penilaian terhadap kinerja pada tahun under the Board of Commissioners as well as an assessment
2023 disajikan pada bab Tata Kelola Perusahaan. of their performance in 2023 is presented in the Good
Corporate Governance chapter.
Dewan Komisaris menilai Komite Audit telah melaksanakan The Board of Commissioners assesses that the Audit
tugasnya mendukung Dewan Komisaris dalam memastikan Committee has carried out its duties to support the Board
implementasi pengendalian internal bank tetap sesuai of Commissioners in ensuring that the implementation
dengan peraturan perundang-undangan yang berlaku serta of the bank’s internal controls remains in accordance
prinsip-prinsip GCG. Lebih dari itu, Dewan Komisaris menilai with applicable laws and regulations and GCG principles.
Komite Audit telah memberikan dukungan bagi Dewan Moreover, the Board of Commissioners assesses that the
Komisaris dalam memantau dan mengevaluasi perencanaan Audit Committee has provided support for the Board of
dan pelaksanaan audit, serta pemantauan atas tindak lanjut Commissioners in monitoring and evaluating audit planning
hasil audit guna memastikan kecukupan pengendalian and implementation, as well as monitoring follow-up to
internal Bank. Pada tahun 2023, Komite Audit juga telah audit results to ensure the adequacy of the Bank’s internal
menelaah kesesuaian laporan keuangan terhadap standar controls. In 2023, the Audit Committee has also reviewed the
akuntansi yang berlaku, dan telah merekomendasikan suitability of financial statements to applicable accounting
penunjukan Akuntan Publik dan Kantor Akuntan Publik standards and has recommended the appointment of a
kepada Dewan Komisaris. Public Accountant and Public Accounting Firm to the Board
of Commissioners.
Penilaian atas Komite Pemantau Risiko dilakukan dengan The Risk Monitoring Committee assessment considers
mempertimbangkan pelaksanaan tugas dan tanggung jawab the implementation of its duties and responsibilities in
komite pada tahun 2023, yang secara umum telah terlaksana 2023, which in general have been well implemented. The
secara baik. Komite Pemantau Risiko telah memberikan Risk Monitoring Committee has supported the Board of
dukungan bagi Dewan Komisaris dalam memastikan Commissioners in ensuring the Bank’s risk management
pelaksanaan fungsi manajemen risiko Bank, di samping function implementation and providing recommendations
telah memberikan rekomendasi atas proteksi dan risiko on protection and risks faced by the Bank. In addition,
yang dihadapi Bank. Selain itu, Komite Pemantau Risiko the Risk Monitoring Committee has assisted the Board of
juga telah membantu Dewan Komisaris dalam menelaah Commissioners in reviewing the adequacy of the Bank’s risk
kecukupan fungsi manajemen risiko Bank, kualitas informasi management function, quality of information in the Risk
pada Laporan Profil Risiko yang disampaikan kepada OJK, Profile Report submitted to the OJK, as well as identification
serta mengidentifikasi hal-hal lain terkait yang memerlukan of other related matters that require the attention of the
perhatian Dewan Komisaris. Board of Commissioners.
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Pada tahun 2023, Dewan Komisaris menilai, Komite In 2023, the Board of Commissioners assesses that
Remunerasi dan Nominasi telah melaksanakan tugas the Remuneration and Nomination Committee’s duties
dan tanggung jawab secara baik. Sebagai komite Dewan and responsibilities has been well implemented. As a
Komisaris, Komite Remunerasi dan Nominasi telah memberi Board of Commissioners committee, the Remuneration
dukungan kepada Dewan Komisaris dalam penerapan fungsi and Nomination Committee has supported the Board
pengawasan dan pembinaan terhadap Direksi beserta of Commissioners in implementing its supervisory and
jajaran Direksi, khususnya dalam hal penerapan kebijakan coaching functions for the Board of Directors and the
remunerasi dan nominasi. Dewan Komisaris menilai Komite relevant staff, especially in implementing remuneration and
Remunerasi dan Nominasi telah memberi dukungan dalam nomination policies. The Board of Commissioners assesses
mengevaluasi dan merekomendasikan kebijakan remunerasi that the Remuneration and Nomination Committee has
pegawai secara menyeluruh. greatly supported the evaluation and recommendation of
overall employee remuneration policies.
Secara spesifik, penilaian terhadap masing-masing komite Specifically, the assessment of each committee has the
dilakukan dengan menggunakan parameter penilaian berupa assessment parameters of (1) attendance and activeness
(1) kehadiran dan keaktifan dalam rapat, (2) rekomendasi yang at meetings, (2) recommendations given to the Board of
diberikan kepada Dewan Komisaris, serta (3) pelaporan yang Commissioners, and (3) timely reporting. Further explanation
tepat waktu. Uraian lebih lanjut mengenai hal tersebut dapat on this matter can be seen in the Good Corporate Governance
dilihat pada bab Tata Kelola Perusahaan, subbagian Penilaian chapter, Performance Assessment of Committees under the
Kinerja Komite di Bawah Dewan Komisaris. Board of Commissioners subsection.
Fungsi pengawasan dan pemberian nasihat oleh Dewan Comprehensive implementation of the Board of
Komisaris telah dilaksanakan secara menyeluruh, Commissioners’ supervisory and advisory functions includes
mencakup atas penerapan praktik pengelolaan keuangan the implementation of sustainable financial management
berkelanjutan yang dilakukan oleh Bank. Melalui fungsi practices of the Bank. Through this function, the Board of
tersebut, Dewan Komisaris memberikan dukungan yang Commissioners provides necessary support to realize Bank
diperlukan guna mewujudkan komitmen Bank Raya dalam Raya’s commitment to implementing sustainability principles
mengimplementasikan prinsip-prinsip keberlanjutan in its operations. Implementation of sustainability principles
dalam aktivitas operasi. Implementasi prinsip-prinsip in accordance with statutory regulations is intended to
keberlanjutan, sesuai peraturan perundang-undangan, provide positive contributions in the form of economic
diterapkan guna menghadirkan kontribusi positif berupa contributions for social empowerment and environmental
kontribusi ekonomi bagi pemberdayaan sosial dan pelestarian conservation, especially for areas around the Bank’s
lingkungan, khususnya di sekitar lingkungan Bank. operations.
Secara mendasar, praktik pengawasan dan pemberian Fundamentally, the Board of Commissioners supervisory
nasihat Dewan Komisaris atas praktik keberlanjutan Bank and advisory functions on the Bank’s sustainability practices
dilaksanakan melalui pengawasan terhadap Rencana Aksi is carried out through supervision of the bank’s Sustainable
Keuangan Berkelanjutan Bank (RAKB), sesuai ketentuan Financial Action Plan (RAKB) in accordance with the
Peraturan OJK (POJK) Nomor 51/POJK.03/2017. Selama provisions of OJK Regulation (POJK) No. 51/POJK.03/2017.
tahun 2023, Dewan Komisaris melaksanakan pengawasan During 2023, the Board of Commissioners supervised and
dan pemberian nasihat atas praktik keberlanjutan Bank advised on the Bank’s sustainability practices through
melalui hubungan kerja bersama Direksi, disampaikan antara working relationship with the Board of Directors, conveyed,
lain pada forum rapat gabungan antara Dewan Komisaris dan among others, at joint meetings between the Board of
Direksi. Commissioners and the Board of Directors.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Atas praktik pengawasan dan pemberian nasihat yang Regarding the supervisory and advisory practices carried out
dilakukan pada tahun 2023, Dewan Komisaris memandang, in 2023, the Board of Commissioners views that the Board
Direksi beserta jajaran terkait telah menerapkan praktik of Directors and related staff have implemented the Bank’s
operasi Bank dengan memenuhi prinsip keberlanjutan. operations in accordance with sustainability principles.
Uraian lebih lanjut mengenai penerapan prinsip-prinsip Further description on the Bank’s sustainability principle
keberlanjutan Bank dapat dilihat pada Laporan Keberlanjutan implementation can be seen in the PT Bank Raya Indonesia
PT Bank Raya Indonesia Tbk periode tahun 2023, yang Tbk’s Sustainability Report for the 2023 period, which is
disajikan secara terintegrasi dengan Laporan Tahunan ini. presented in an integrated manner with this Annual Report.
Terdapat perubahan komposisi Dewan Komisaris Bank Raya There were changes to the Bank Raya’s Board of
pada tahun 2023, yang dilakukan berdasarkan Keputusan Commissioners composition in 2023 based on Extraordinary
RUPS Luar Biasa tanggal 3 Oktober 2023. Melalui keputusan GMS Resolution dated October 3, 2023 which honorably
tersebut, pemegang saham Bank memberhentikan dengan dismissed Mrs. Rina Sa’adah as Independent Commissioner
hormat Ibu Rina Sa’adah sebagai Komisaris Independen dan and appointed Mr. Johanes Kuntjoro Adisardjono as
mengangkat Bapak Johanes Kuntjoro Adisardjono sebagai Independent Commissioner. These changes were made due
Komisaris Independen. Secara mendasar, perubahan to the resignation of Mrs. Rina Sa’adah.
komposisi tersebut dilatarbelakangi pengunduran diri Ibu
Rina Sa’adah.
Atas perubahan tersebut, komposisi Dewan Komisaris Bank For such changes, Bank Raya’s Board of Commissioners
Raya adalah sebagai berikut: composition is as follows:
Komisaris Utama : Muhamad Sidik Heruwibowo President Commissioner : Muhamad Sidik Heruwibowo
Komisaris Independen : Eko Budi Supriyanto Independent Commissioner : Eko Budi Supriyanto
Komisaris : Achmad F.C. Barir Commissioner : Achmad F.C. Barir
Komisaris Independen : Retno Wahyuni Wijayanti Independent Commissioner : Retno Wahyuni Wijayanti
Komisaris Independen : Johanes Kuntjoro Adisardjono Independent Commissioner : Johanes Kuntjoro Adisardjono
Atas nama Dewan Komisaris, saya menyampaikan apresiasi On behalf of the Board of Commissioners, allow me to convey
kepada Ibu Rina Sa’adah atas kontribusi dan kerja keras yang my appreciation to Mrs. Rina Sa’adah for the contribution and
telah diberikan selama menjadi Komisaris Independen Bank hard work provided during her term serving as Independent
Raya. Commissioner of Bank Raya.
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www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 49
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
DEWAN KOMISARIS
z BOARD OF COMMISSIONERS
5
4
1
50 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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1. M. Sidik Heruwibowo
Komisaris Utama
President Commissioner
2. Eko B. Supriyanto
Komisaris Independen
Independent Commissioner
5. Johanes Kuntjoro
Adisardjono
Komisaris Independen
Independent Commissioner
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 51
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
52 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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In 2023, Bank Raya focused on implementing strategic policies based on the Bank
Business Plan (RBB) in line with efforts to realize the vision to become The Best Digital
Bank by Becoming House of Fintech & Home For Gig Economics in the long term.
Fundamentally, the strategic policies formulated and implemented in 2023 serve
as basis for the Bank to provide digital loans by synergizing with BRI ecosystem and
keeping abreast of development of digital banking services in Indonesia.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 53
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha Praise and gratitude to Almighty God for the blessings,
Kuasa karena berkat anugerah-Nya, Bank Raya mampu for Bank Raya was able to record good performance
mencatatkan kinerja yang baik di tengah tantangan ketatnya amidst the strict challenges of the digital banking industry
kompetisi industri perbankan digital di Indonesia. Sesuai competition in Indonesia. In accordance with the direction
arah kebijakan transformatif Bank, Direksi beserta jajaran of the Bank’s transformative policy, the Board of Directors
manajemen telah melaksanakan fungsi pengurusan Bank, and management have carried out the Bank’s management
menghadirkan layanan perbankan digital sesuai visi untuk functions, providing digital banking services in accordance
hadir sebagai “The Best Digital Bank by Becoming House of with the vision to be “The Best Digital Bank by Becoming
Fintech and Home for Gig Economy”. Lebih dari itu, Direksi House of Fintech and Home for Gig Economy”. Moreover, the
juga telah menerapkan upaya-upaya yang diperlukan dalam Board of Directors has also implemented necessary efforts
menjaga praktik tata kelola Bank diterapkan berdasarkan to maintain the Bank’s governance practices based on Good
prinsip-prinsip Good Corporate Governance (GCG), untuk Corporate Governance (GCG) principles to encourage the
mendorong hadirnya nilai tambah Bank secara berkelanjutan. Bank’s added value in a sustainable manner.
Melalui kesempatan ini, kami akan menyampaikan laporan On this occasion, allow us to submit a duty implementation
pelaksanaan tugas untuk 2023, dengan pembahasan report for 2023 with discussions on a number of aspects
sejumlah aspek mencakup kebijakan strategis Bank, kinerja including the Bank’s strategic policies, operational and
operasional dan keuangan 2023, hingga kinerja serta financial performance in 2023, and the Bank’s performance
komitmen Bank terhadap praktik keuangan berkelanjutan, and commitment to sustainable financial practices, as
dengan pembahasan sebagai berikut. follows.
Secara umum, situasi perekonomian global pada 2023 The 2023 global economic situation is generally marked by a
ditandai dengan pemulihan yang ketat pasca-pandemi tight recovery after the Covid-19 pandemic. Referring to the
Covid-19. Merujuk pada Global Economic Prospects yang dirilis Global Economic Prospects by the World Bank in January
Bank Dunia pada Januari 2024, ekonomi dunia diestimasikan 2024, the world economy is estimated to grow by 2.6%
tumbuh sebesar 2,6%, dengan kelompok negara ekonomi with emerging economies growing 4.0%. Inflation rates in
berkembang diestimasikan tumbuh 4,0%. Tingkat inflasi a number of advanced economic countries, including the
pada sejumlah negara ekonomi maju, termasuk Amerika United States recorded a decline, especially in the second
Serikat, mulai menunjukan tren penurunan terutama di half of 2023. Monetary policy interest rates, including the
paruh akhir 2023. Suku bunga kebijakan moneter, termasuk Fed Funds Rate (FFR) has been at high level for a while. These
Fed Funds Rate (FFR) telah berada pada tingkat yang tinggi monetary policies are taken encourage the maintenance of
untuk waktu yang cukup lama. Kebijakan-kebijakan moneter global financial market stability.
yang telah diambil mendorong terjaganya stabilitas pasar
keuangan global.
Di tengah situasi tersebut, ekonomi Indonesia diketahui Amidst such condition, the Indonesian economy managed
memperlihatkan tingkat resiliensi yang kuat. Pertumbuhan to show great resilience. Economic growth in 2023 was
ekonomi pada 2023 terealisasi sebesar 5,05%, dengan realized at 5.05% with the inflation rate maintained at the
tingkat inflasi yang terjaga pada rentang target sasaran target range of 3%±1, namely 2.61%. This was achieved for
3%±1 yaitu sebesar 2,61%. Pencapaian ini tidak terlepas dari the support of central and regional government policies,
dukungan kebijakan pemerintah pusat dan daerah, antara lain including maintaining supply availability and price stability.
dalam menjaga ketersediaan pasokan dan stabilitas harga. Furthermore, the rupiah recorded stronger rates supported
Seiring hal itu, nilai tukar rupiah tercatat menguat didukung by the monetary policy of Bank Indonesia as the regulator and
54 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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kebijakan moneter Bank Indonesia selaku regulator serta gradual improvements of global financial market conditions.
situasi pasar keuangan global yang berangsur membaik. Pada In December 2023, the rupiah exchange rate strengthened
posisi Desember 2023, nilai tukar rupiah menguat secara on average by 0.44% compared to the previous month, or
rata-rata sebesar 0,44% dibanding bulan sebelumnya, atau strengthened 0.75% yoy.
menguat 0,75% secara tahunan.
Sebagai salah satu faktor penopang resiliensi ekonomi As a support for Indonesia’s macroeconomic resilience,
makro Indonesia, Bank Indonesia (BI) menerapkan kebijakan Bank Indonesia (BI) implements monetary, macroprudential,
moneter, makroprudensial, dan sistem pembayaran and payment system policies that encourage stability and
yang mendukung stabilitas dan pertumbuhan ekonomi sustainable economic growth. Of the policies that have been
berkelanjutan. Di antara kebijakan-kebijakan yang telah implemented, BI focuses on accelerating the digitalization
diterapkan, BI berfokus pada akselerasi digitalisasi sistem of payment systems and expanding cooperation between
pembayaran dan perluasan kerja sama antarnegara, guna countries to increase transaction volume and encourage
meningkatkan volume transaksi dan mendorong inklusi inclusion in the Digital Financial Economy (EKD). Furthermore,
Ekonomi Keuangan Digital (EKD). Lebih dari itu, BI bersama BI with the Central Government, Regional Governments, and
Pemerintah Pusat, Pemerintah Daerah, hingga Komite the Financial System Stability Committee (KSSK) continue to
Stabilitas Sistem Keuangan (KSSK) terus meningkatkan improve policy coordination in maintaining inflation control
koordinasi kebijakan dalam menjaga pengendalian inflasi and financial system stability.
serta stabilitas sistem keuangan.
Selaras dengan situasi ekonomi makro Indonesia, situasi In line with Indonesia’s macroeconomic conditions, the
industri perbankan tercatat berada pada kondisi yang baik. banking industry also recorded positive conditions. This
Hal tersebut antara lain terlihat melalui likuiditas perbankan can be seen, among others, through adequate banking
yang memadai, dengan rasio Alat Likuid terhadap Dana Pihak liquidity,with a high ratio of Liquid Assets to Third Party Funds
Ketiga (AL/DPK) yang tinggi. Situasi industri pada 2023 (AL/TPF). The industry conditions in 2023 is also marked by
juga ditandai dengan peningkatan intermediasi perbankan, increased banking intermediation, with the growth of Third
dengan pertumbuhan Dana Pihak Ketiga (DPK) yang tumbuh Party Funds (TPF) at 3.84% (yoy) and Loans at 10.38% (yoy).
3,84% (yoy) dan Kredit tumbuh 10,38% (yoy). Lebih dari itu, Banking resilience is also well maintained, reflected in the
ketahanan perbankan juga terjaga dengan baik tercermin high Capital Adequacy Ratio (CAR) of 27.66% as of December
dari Capital Adequacy Ratio (CAR) yang tinggi, yaitu sebesar 2023 supported by low credit risk, with low Non-Performing
27,66% pada posisi Desember 2023. Ketahanan perbankan Loans (NPL) of 2.19% (gross) and 0.71% (net) respectively.
juga didukung adanya risiko kredit yang rendah, dengan Non-
Performing Loan (NPL) yang rendah, yaitu sebesar 2,19%
(bruto) dan 0,71% (neto).
Pada 2023, Bank Raya berfokus dalam menerapkan kebijakan In 2023, Bank Raya focused on implementing strategic
strategis sesuai Rencana Bisnis Bank (RBB), yang secara policies based on the Bank Business Plan (RBB) in line with
jangka panjang selaras dengan upaya mewujudkan visi efforts to realize the vision to become The Best Digital Bank
menjadi The Best Digital Bank by Becoming House of Fintech & by Becoming House of Fintech & Home For Gig Economics
Home For Gig Economy. Secara mendasar, kebijakan strategis in the long term. Fundamentally, the strategic policies
yang disusun dan diimplementasikan pada 2023 merupakan formulated and implemented in 2023 serve as basis for
dasar bagi Bank dalam menghadirkan produk pinjaman dan the Bank to provide digital loans by synergizing with BRI
simpanan digital, bersinergi dengan ekosistem BRI dan ecosystem and development of digital banking services in
perkembangan layanan perbankan digital di Indonesia. Indonesia.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya menghadapi persaingan yang ketat di tengah Bank Raya faced intense competition amidst the
perkembangan industri perbankan digital pada 2023. Atas hal development of the digital banking industry in 2023. In this
tersebut, Bank melaksanakan kebijakan-kebijakan strategis regard, the Bank implements strategic policies aimed at
yang ditujukan guna memperkuat daya saing, antara lain strengthening competitiveness, including:
sebagai berikut:
a. Meningkatkan pertumbuhan Digital Lending & Digital a. Increase the growth of Digital Lending & Digital Saving
Saving. Hal tersebut dicapai melalui metode akuisisi (growth trajectory: This shall be achieved with digital
digital lending berbasis ecosystem partnership (B2B2C), lending acquisition based on ecosystem partnership
serta digital saving berbasis ecosystem partnership (B2B2C) based and digital saving based on ecosystem
(B2B2C) dan akuisisi end-user (B2C). partnership (B2B2C) and end-user acquisition (B2C).
b. Digitalisasi seluruh produk digital secara end-to-end, b. Digitalization for all digital products end-to-end, leading
mengarah kepada layanan fully digital. to fully digital services.
c. Melakukan pengembangan produk dan fitur secara c. Continuously develop products and features, so that they
berkelanjutan, sehingga dapat sesuai dengan kebutuhan can meet community needs and be on par with other
masyarakat serta dapat setara dengan Bank Digital national Digital Banks.
lainnya secara nasional.
d. Melakukan aktivasi terhadap seluruh nasabah, sehingga d. Activate all customers, so as to increase Customer
dapat meningkatkan Customer Lifetime Value (CLTV). Lifetime Value (CLTV).
e. Proses akuisisi nasabah dilakukan melalui dua metode e. Customer acquisition process is carried out through
yaitu O2O (Online to Offline) melalui Community Branch two methods, namely O2O (Online to Offline) through
dan ecosystem partnership dengan menggunakan Community Branches and ecosystem partnerships
API. Proses akuisisi sebagian besar dilakukan melalui using API. The acquisition process is mostly be carried
metode ecosystem partnership oleh Head Office, karena out through ecosystem partnership by the Head Office,
perusahaan akan melakukan scale up business berbasis because the Company will scale up the business based on
ecosystem partnership. ecosystem partnerships.
f. Meningkatkan employee engagement melalui transformasi f. Increase employee engagement through corporate
corporate culture. culture transformation.
g. Meningkatkan kapasitas dan kapabilitas Digital Bank, g. Increase the Bank’s Digital capacity and capabilities,
utamanya melalui peningkatan di aspek Teknologi primarily through improvements in the Information
Informasi, Data, Talent, dan Organisasi. Technology, Data, Talent and Organization aspects.
Sebagai entitas anak BRI, Bank Raya berkomitmen untuk As a subsidiary of BRI, Bank Raya is committed to continuing
terus hadir di tengah ekosistem digital melalui kolaborasi its presence in the digital ecosystem through collaboration
dengan BRI Group khususnya BRI, sebagai pemegang saham with the BRI Group, especially BRI, as the controlling
pengendali, serta hadir sebagai digital attacker BRI Group. shareholder and to acting as a digital attacker of BRI Group.
Direksi memastikan, Sinergi Bank Raya bersama BRI Group The Board of Directors ensures that the increasingly strong
yang semakin kuat telah menjadi keunggulan Bank di tengah synergy between Bank Raya and the BRI Group serves as the
persaingan industri bank digital yang kompetitif. Bank’s advantage in facing the competitive digital banking
industry.
Direksi telah mendorong pertumbuhan bisnis digital The Board of Directors encouraged the growth of the
Perseroan dengan berfokus pada 5 strategi utama Company’s digital business by focusing on 5 main strategies
pengembangan bisnis digital, yaitu (1) Kekuatan Bank Raya for digital business development, namely, (1) Bank Raya’s
sebagai bank digital dengan jaringan Online to Offline (O2O) strength as a digital bank with the widest Online to Offline
terluas di seluruh Indonesia, (2) Inovasi berkelanjutan dan (O2O) network across Indonesia, (2) Continuous innovation
produk digital Bank Raya komprehensif (cross segment and digital products of Bank Raya comprehensive (cross
56 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
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digital product) yang memungkinkan Bank Raya untuk scale segment digital product) which allows Bank Raya to scale up
up bisnis dengan cara partnership dan akuisisi end user its business by partnering and acquiring end users through
melalui ekosistem BRI maupun ekosistem digital lainnya, (3) the BRI ecosystem and other digital ecosystems, (3) Optimize
Optimalisasi produk dan ekosistem yang ada melalui ekspansi existing products and ecosystems through expansion in
pada bisnis keagenan BRI Group dan bisnis keagenan the BRI Group agency business, other agency businesses,
lainnya, pelaku usaha mikro, dan pekerja mikro lainnya, serta micro entrepreneurs, and other micro workers, as well as
eksplorasi untuk perluasan pasar potensial bisnis digital, (4) exploration to expand the potential digital business market,
Sinergi BRI Group sebagai Digital Attacker untuk melayani (4) Synergy of the BRI Group as a Digital Attacker to serve the
pasar UMKM melalui produk dan jasa perbankan digital MSME market through digital banking products and services
yang smaller, shorter, faster dan mudah diakses nasabah, that are smaller, shorter, faster, and more easily accessible
(5) Komitmen untuk perbaikan business enabler secara to customers, (5) Commitment to continuous improvement
berkesinambungan dalam teknologi, sumber daya manusia, of business enablers in technology, human capital, and
dan manajemen risiko untuk mendukung pertumbuhan bisnis risk management to support solid business growth and
yang solid dan mendorong kepuasan pelanggan. encourage customer satisfaction.
Bank Raya terus mendorong hadirnya inovasi-inovasi produk Bank Raya always encourages quick and quality innovations
bank digital secara cepat dan berkualitas, agar dapat hadir of digital banking to optimize its presence in supporting
secara maksimal dalam mendukung transaksi perbankan people’s daily banking transactions. This is done by
masyarakat sehari-hari. Hal ini dilaksanakan melalui fokus focusing on customers experience as the basis for product
untuk menghadirkan customer experience sebagai dasar development with the hope that the Bank’s digital savings
pengembangan produk, agar dapat memenuhi kebutuhan features can meet customer needs. A number of digital
nasabah. Sejumlah pengembangan produk digital perbankan banking product developments carried out in 2023 include
yang dilakukan pada 2023 antara lain Raya for Business (Saku Raya for Business (Saku Bisnis), Pinang Dana Talangan,
Bisnis), Pinang Flexi Ekstra, Pinang Flexi Kasbon, Pinang Pinang Flexi Ekstra, Pinang Flexi Kasbon, Pinang Performa
Performa Pro, serta Cash In Cash Out melalui Agen BRILink. Pro, and Cash In Cash Out through BRILink Agents.
Sinergi bersama ekosistem BRI Group telah mendorong Synergy with the BRI Group ecosystem is a push factors
Bank Raya untuk meningkatkan penyaluran kredit, antara for Bank Raya to increase loan disbursement, namely by
lain melalui perluasan akses pinjaman kepada agen laku expanding loan access to BRI laku pandai agents or BRILink
pandai BRI atau Agen BRILink. Melalui keunggulan berupa Agents. Through the advantage of branchless banking
layanan perbankan tanpa kantor, Agen BRILink berkontribusi services, BRILink Agents supports the drive of regional
dalam mendukung perekonomian daerah melalui kemudahan economy through easy banking transaction services. The
layanan transaksi perbankan. Inisiatif strategis Bank Bank’s strategic initiatives are implemented, among others,
dihadirkan antara lain melalui Pinang Dana Talangan, yang through Pinang Dana Talangan accessible by all BRILink
dapat diakses oleh seluruh Agen BRILink yang memenuhi Agents who meet credit scoring criteria with limits and
kriteria credit scoring dengan plafon dan tenor sesuai tenor as needed. As of December 31, 2023, the Pinang Dana
kebutuhan. Pada posisi 31 Desember 2023, Pinang Dana Talangan has been accessed by 21,844 BRILink Agents
Talangan telah digunakan oleh 21.844 Agen BRILink di throughout Indonesia with loan disbursement of Rp9.31
seluruh Indonesia dengan disbursement pinjaman sebesar trillion, a growth of 138.59% compared to theprevious year.
Rp9,31 Triliun atau tumbuh 138,59% dibandingkan tahun lalu.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 57
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya terus berinovasi untuk membantu pertumbuhan Innovations at Bank Raya is always implemented to support
bisnis para pelaku usaha melalui produk Pinang Dana business growth for business actors, one of which is through
Talangan kepada Agen BRILink. Pinang Dana Talangan dapat the Pinang Dana Talangan product for BRILink Agents.
diakses melalui BRILink Mobile yang kegunaannya untuk Pinang Dana Talangan can be accessed via BRILink Mobile,
penyediaan dana talangan agar dapat terus memudahkan which is used to provide bailout funds to facilitate people
masyarakat melakukan berbagai transaksi perbankan. Pada with various banking transactions. In July 2023, Pinang
bulan Juli 2023, Pinang Dana Talangan hadir dengan akses Dana Talangan begins to offer a larger ticket size, adapt to
plafon yang lebih besar, menyesuaikan dengan tingkatan agency levels, and grant loan access of up to IDR 50 million.
keagenan dan dapat mengakses pinjaman hingga Rp50 juta. In accommodating such features, the quality of credit
Agar dapat mengakomodasi hal tersebut, maka kualitas credit scoring has been improved to strengthen product quality to
scoring ditingkatkan untuk memperkuat kualitas produk agar be utilized by more customers. Furthermore, Pinang Dana
dapat dimanfaatkan oleh semakin banyak nasabah, selain itu Talangan disbursement also pays attention to the prudential
disbursement Pinang Dana Talangan tetap memperhatikan principle in accordance with the risk appetite.
prinsip kehati-hatian sesuai dengan risk appetite.
Di tengah proses transformasi yang terus berlangsung, In its ongoing transformation process, Bank Raya continues
Bank Raya terus mengupayakan perbaikan kinerja serta to strive in improving performance and increasing customer
peningkatan customer experience. Pada posisi akhir 2023, experience. As of the end of 2023, Bank Raya has facilitated
Bank Raya telah menghadirkan kemudahan layanan bagi customers with easy services through the Raya application.
nasabah melalui aplikasi Raya. Sejak diluncurkan pada 2022, Since its launch in 2022, Bank Raya’s digital savings has
digital saving Bank Raya telah menunjukkan pertumbuhan shown satisfactory growth, both in terms of business growth
yang memuaskan, baik dari sisi pertumbuhan bisnis maupun and customer growth. The most popular features are online
pertumbuhan nasabah. Fitur yang paling diminati adalah transfers using BI Fast, payment transactions using QRIS and
transfer online menggunakan BI Fast, transaksi pembayaran e-wallet top up transactions. Besides the payment feature,
menggunakan QRIS dan transaksi top up e-wallet. Selain Saku feature is also available for financial management
fitur payment, terdapat juga fitur Saku yang berguna untuk by separating expenses based on usage items without an
pengelolaan keuangan dengan memisahkan pengeluaran initial balance and minimum balance. The most popular Saku
berdasarkan pos-pos penggunaannya tanpa saldo awal dan among customers is the Saku Jaga used to set aside income
minimal saldo. Saku yang paling diminati oleh nasabah adalah for emergency funds with competitive interest.
Saku Jaga, sesuai kegunaannya adalah untuk menyisihkan
pendapatan untuk dana darurat dengan bunga yang
kompetitif.
Pada 2023 Bank Raya telah merilis beberapa fitur pada In 2023, Bank Raya released several new features for digital
digital saving seperti fitur Saku Jaga Optimal, penambahan savings such as introducing Saku Jaga Optimal feature,
jumlah saku bujet hingga 10 saku dengan jumlah rekening increasing the number of saku bujet to 10 saku with different
yang berbeda-beda dan peningkatan user experience agar number of accounts, and improving the user experience to
pembuatan saku lebih mudah. Selain penambahan fitur pada make creating pockets easier. In addition to new features for
digital saving, pengembangan pada aplikasi Raya untuk user digital saving, the Raya application has also been developed
interface juga dibuat lebih menarik dengan meluncurkan with more attractive user interface by launching the Misi
gamification Misi Raya untuk mendapatkan reward serta Raya gamification to win rewards and revamping the Raya
revamp beranda aplikasi Raya dengan tampilan yang lebih application homepage with a fresher appearance.
segar.
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Selain itu, inovasi Bank Raya di tahun 2023 adalah Another new innovation in 2023 is the Saku Bisnis Feature,
memperkenalkan Fitur Saku Bisnis yang diharapkan akan serving as a growth engine for Bank Raya’s digital business.
menjadi salah satu growth engine bagi bisnis digital Bank Bank Raya is aware that there is a need for business financial
Raya. Bank Raya menyadari bahwa terdapat kebutuhan fitur management features for business actors, hence they can
pengelolaan keuangan bisnis bagi pelaku usaha, sehingga develop their business faster and easier without the need
dapat mengembangkan bisnisnya dengan lebih cepat dan to take the time to come to the branch office. This feature
mudah tanpa perlu meluangkan waktu untuk datang ke has also been integrated with the Raya application account
kantor cabang. Fitur Saku Bisnis ini juga telah terintegrasi which is currently intended for customers in managing daily
dengan akun aplikasi Raya yang saat ini diperuntukkan bagi personal finances.
nasabah dalam pengelolaan keuangan pribadi sehari-hari.
Saku Bisnis dilengkapi dengan menu pembuatan saku bisnis Saku Bisnis is equipped with a saku bisnis creation menu
dan menu mass transfer yang memungkinkan nasabah untuk and a mass transfer menu which allows customers to make
melakukan transfer sekaligus ke sepuluh rekening tujuan transfers simultaneously to ten destination accounts in
secara real-time, sehingga mempermudah pelaku usaha untuk real-time, facilitating payroll transactions or payments
melakukan transaksi payroll atau pembayaran kepada supplier. to suppliers for business actors. Another feature is fund
Melakukan pemisahan dana untuk usaha dengan membuat segregation for businesses by creating up to five different
hingga lima saku bisnis berbeda serta melakukan pengecekan saku bisnis and checking account mutations so they can
mutasi rekening sehingga dapat memantau operasional properly monitor their business’s financial operations. Bank
keuangan bisnis mereka dengan baik. Bank Raya akan Raya shall keep improving our digital product quality and
mendorong peningkatan kualitas produk digital dan customer customer experience and laways synergizing within BRI
experience, dan terus bersinergi di dalam ekosistem BRI Group Group ecosystem to support long-term growth.
untuk mendukung pertumbuhan bisnis jangka panjang.
Hal ini tercermin dari pertumbuhan nilai transaksi digital This commitment is reflected in the growth in the value of
saving yang mencapai 128% (yoy) sehingga pada Desember digital savings transactions of 128% (yoy), reaching Rp2.8
2023 tercatat sebesar Rp2,8 Triliun. Peningkatan juga terjadi trillion in December 2023. Transaction in Raya Application
di total transaksi Aplikasi Raya sebesar 135% (yoy) sehingga also increased by 135% (yoy), reaching 1.8 million transactions
pada Desember 2023 tercatat sebesar 1,8 juta transaksi. in December 2023. As of today, Bank Raya’s has 805 thousand
Pada 2023, user digital saving Bank Raya tercatat lebih dari digital savings users with an average balance of Rp1.49
805 ribu dengan rata-rata saldo sebesar Rp1,49 juta. million.
Sementara itu dari sisi digital lending, Bank Raya telah In terms of digital lending, Bank Raya has a variety of digital
memiliki produk digital yang beragam yang dapat memenuhi products to meet customer needs. in 2023, the Digital lending
kebutuhan nasabah. Digital lending pada tahun 2023 growth increased by 36.81% (yoy). Digital loan products
tumbuh sebesar 36,81% (yoy). Produk pinjaman digital yang whose loan distribution has been carried out digitally end-to-
penyaluran pinjamannya telah dilakukan secara digital end- end to End Users are Pinang Flexi and Pinang Dana Talangan,
to-end kepada end user yaitu Pinang Flexi dan Pinang Dana show significant growth. Pinang Flexi, which is aimed at
Talangan menunjukkan pertumbuhan yang signifikan. Pinang BRI Group payroll customers, grew by 169.1% (yoy) while
Flexi yang ditujukan untuk nasabah payroll BRI Group tumbuh Pinang Dana Talangan, which provides convenience for BRI
sebesar 169,1% (yoy) sementara Pinang Dana Talangan yang BRILink agents, grew by 95.1% (yoy). Products with digitized
memberikan kemudahan bagi agen BRILink BRI tumbuh disbursement through customer relationship management
sebesar 95,1% (yoy). Untuk produk yang penyalurannya platform, namely Pinang Maksima and Pinang Performa,
dilakukan secara digitize melalui platform customer also showed significant growth. Pinang Maksima posted
relationship management yaitu Pinang Maksima dan Pinang 54.1% (yoy) growth and Pinang Performa posted 113.96% (yoy)
Performa, juga menunjukkan pertumbuhan yang signifikan. growth.
Pertumbuhan Pinang Maksima sebesar 54,1% (yoy) sementara
Pinang Performa tumbuh sebesar 113,96% (yoy).
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 59
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pada 2023, Bank Raya mengumumkan perubahan logo In 2023, Bank Raya announced a new logo to strengthen Bank
baru untuk memperkuat komitmen Bank Raya dalam Raya’s commitment to providing digital banking products
menghadirkan produk dan layanan bank digital bagi and services to the Indonesian people. Bank Raya new logo
masyarakat Indonesia. Perubahan logo Bank Raya ini further strengthens its position as a digital bank to reach
semakin memperkokoh positioning Bank Raya sebagai bank wider customers by strengthening synergy in the BRI Group
digital yang dapat menjangkau masyarakat lebih luas melalui ecosystem with comprehensive digital banking products
penguatan sinergi di dalam ekosistem BRI Group dengan (cross segment digital products). As a digital bank that
produk perbankan digital yang komprehensif (cross segment provides safe and reliable products and services, the new
digital product). Kehadiran logo baru Bank Raya sebagai bank logo adds the term “bank” and the BRI Group logogram in
digital yang menghadirkan produk dan layanan yang aman strengthening synergy within the BRI Group ecosystem with
dan tepercaya dilakukan dengan penambahan kata “bank”, the support of the widest access and network in Indonesia.
serta penambahan logogram BRI Group sebagai bentuk
penguatan sinergi di dalam ekosistem BRI Group dengan
dukungan akses dan jaringan terluas di Indonesia.
Sebagai bank digital, mendukung percepatan inklusi Being a digital bank, one of our aspirations is to support
keuangan di Indonesia adalah bagian dari aspirasi kami. the acceleration of financial inclusion in Indonesia. Our O2O
Jaringan O2O dengan lebih dari 750 ribu akses poin yang network with more than 750 thousand access points spread
tersebar di seluruh Indonesia, serta kekuatan sinergi di dalam throughout Indonesia, as well as the strength of synergy
ekosistem BRI Group yang didukung oleh produk digital Bank within the BRI Group ecosystem supported by Bank Raya’s
Raya yang praktis dan komprehensif, memungkinkan kami practical and comprehensive digital products, allows us
untuk mendorong penetrasi inklusi keuangan digital secara to encourage widespread penetration of digital financial
luas di Indonesia. inclusion in Indonesia.
Untuk merespons kebutuhan transaksi digital masyarakat In responding to the community’s increasing digital
yang terus meningkat dan menambah jangkauan dan transaction needs and enhancing our reach while opening
membuka akses perbankan secara menyeluruh pada comprehensive banking access to the people and customers,
masyarakat dan nasabah, Bank Raya memperluas Community Bank Raya expands its Community Branches in several areas
Branch di beberapa daerah sebagai touch point untuk as touch points to accommodate the financial needs of retail,
mengakomodasi kebutuhan finansial nasabah retail, pelaku business, and customers complementing the Bank Raya
usaha, dan juga untuk melengkapi layanan di aplikasi Bank application. In 2023, Bank Raya Community Branches was
Raya. Pada tahun 2023, Community Branch Bank Raya telah newly inaugurated in Denpasar, Yogyakarta and Palembang,
diresmikan di Denpasar, Yogyakarta dan Palembang sehingga completing the total office network of 13 Community
melengkapi total keseluruhan jaringan kantor sebanyak Branches, 4 Branch Offices, 6 Sub-Branch Offices and 2 Cash
13 Community Branch, 4 Kantor Cabang, 6 Kantor Cabang Offices.
Pembantu dan 2 Kantor Kas.
Untuk mendukung komitmen peningkatan kepuasan As support for the commitment to increasing customer
nasabah, Bank Raya juga terus melakukan perbaikan business satisfaction, Bank Raya shall continuously improve its
enabler, dengan memperkuat aspek teknologi, human capital business enabler by strengthening aspects of technology,
dan manajemen risiko. Digital capability Bank Raya terus human capital, and risk management. Continuous
ditingkatkan secara berkesinambungan melalui big data improvement of Bank Raya’s digital capability is carried out
technology, layanan berbasis IT yang handal serta Contact through big data technology, reliable IT-based services and
Center Sapa Raya dengan response time yang berkualitas. the Sapa Raya Contact Center with quality response time.
60 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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Transformasi culture & people terus dilakukan oleh Bank Bank Raya continues its culture & people transformation
Raya dengan talenta terbaik yang memiliki digital mindset with the best talents with a digital mindset and capability. To
dan capability. Untuk penguatan manajemen risiko secara strengthen risk management in a sustainable manner, Bank
berkelanjutan, Bank Raya mengembangkan automated Raya developed automated machine learning credit scoring
machine learning credit scoring dalam rangka menjaga in maintaining credit quality and utilize artificial intelligence
kualitas kredit serta pemanfaatan teknologi artificial technology to develop a Fraud Detection System (FDS).
intelligence untuk pengembangan Fraud Detection System
(FDS).
Sesuai ketentuan Otoritas Jasa Keuangan (OJK), Bank In accordance with the provisions of the Financial Services
Raya menerapkan proses penyusunan Rencana Bisnis Bank Authority (OJK), Bank Raya regularly prepares the Bank
(RBB) secara periodik yaitu 1 (satu) kali setiap tahun. Direksi Business Plan (RBB) periodically once a year. The Board
sebagai organ yang bertanggung jawab dalam pengurusan of Directors as the party in charge of Bank management
Bank telah terlibat secara aktif dalam merumuskan strategi has been actively involved in formulating strategies and
dan kebijakan strategis yang berlaku bagi masing-masing strategic policies to all business units of the Bank. This
unit bisnis Bank. Perumusan tersebut mencakup perumusan includes formulation of business targets, expansion plans,
terhadap target usaha, rencana ekspansi, teknologi information technology, human capital, and duty frameworks
informasi, sumber daya manusia, hingga kerangka kerja, with reference to the internal and external dynamics during
dengan mengacu pada dinamika internal dan eksternal yang the fiscal year.
terjadi pada tahun buku.
Secara mendasar, RBB Bank Raya disusun selaras dengan Bank Raya’s RBB is fundamentally prepared to be in line
visi dan misi yang ditetapkan Bank. Direksi beserta jajaran with the Bank’s vision and mission. The Board of Directors
terkait melakukan penelaahan dan penjabaran terhadap visi, and related staff review and present the vision, mission and
misi, serta sejumlah faktor eksternal yang dihadapi Bank, a number of external factors faced by the Bank followed
untuk kemudian merumuskan rencana kerja dan target yang by formulation of work plans and targets in the RBB. In the
termuat di dalam RBB. Pada proses selanjutnya, Direksi next stage, the Board of Directors and related staff actively
beserta jajaran terkait secara aktif melakukan monitoring monitor the implementation and achievement of RBB targets,
terhadap implementasi dan pencapaian target RBB antara including through working meetings, which include the Board
lain melalui mekanisme rapat kerja, baik pada rapat internal of Directors internal meetings and working meetings with
Direksi maupun rapat kerja bersama organ-organ lain. other bodies.
Direksi merupakan organ yang bertanggung jawab atas The Board of Directors is the organ in charge of implementing
pelaksanaan strategi Bank, mencakup strategi pada bisnis the Bank’s strategy, including strategies for legacy business,
legacy, bisnis digital, dan juga pengendalian internal. digital business, and internal control. With this responsibility,
Atas tanggung jawab tersebut, Direksi telah menerapkan the Board of Directors carries out monitoring as an effort
monitoring sebagai upaya mengawal dan memastikan bahwa to direct and ensure that the strategies prepared can be
strategi yang telah disusun dapat diimplementasikan secara implemented optimally at each working level of the Bank.
optimal pada masing-masing tingkatan working level Bank.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 61
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pada proses pelaksanaannya, Direksi menerapkan monitoring In its practice, the Board of Directors monitors the Bank’s
implementasi strategi Bank melalui beberapa mekanisme strategy implementation through the following mechanisms:
sebagai berikut:
1. Peran aktif komite di bawah Direksi yang berfungsi 1. Active role of committees under the Board of Directors
memberikan rekomendasi dalam proses pengambilan whose function is to provide recommendations in the
keputusan, terdiri atas Aset and Liability Committee, decision-making process, consisting of Assets and
Komite Manajemen Risiko, Komite Kredit, Komite Produk, Liabilities Committee, Risk Management Committee,
Komite Kebijakan Perkreditan, dan Komite Pengarah Credit Committee, Product Committee, Credit Policy
Teknologi Sistem Informasi. Committee, and Information Systems Technology
Steering Committee.
2. Mekanisme rapat mingguan Direksi, yang merupakan 2. Mechanism for the weekly meeting of the Board of
forum guna membahas isu-isu strategis Bank. Directors, which is a forum to discuss the Bank’s strategic
issues.
3. Business Performance Review & Support Performance 3. Business Performance Review & Support Performance
Review, yaitu forum yang diadakan setiap bulan untuk Review, which as monthly forum to evaluate Business
mengevaluasi performa Unit Kerja Bisnis & Unit Kerja Unit and Support Unit performance each month.
Support terhadap target pencapaian bulanan.
4. Doa Pagi Bersama, suatu forum mingguan yang dihadiri 4. Joint Morning Prayer, which is a forum for the Board of
oleh Direksi, senior leaders serta pemimpin unit kerja Directors, senior leaders, and unit heads to internalize
sebagai wadah bagi Direksi untuk melakukan internalisasi corporate culture and strategy.
budaya kerja dan strategi perusahaan
5. Kunjungan kerja berkala ke unit-unit kerja Bank Raya yang 5. Periodic work visits to Bank Raya work units spread
tersebar di seluruh wilayah Indonesia. throughout Indonesia.
Dalam menghadapi tantangan dan peluang selama 2023, In facing challenges and opportunities during 2023, Bank
Bank Raya mewujudkan komitmen guna menghadirkan Raya realized its commitment to digital transformation by
transformasi digital. Direksi memastikan, arah kebijakan ensuring transformative policy implementation by paying
transformatif ini dapat dilaksanakan dengan memperhatikan attention to risk management and implementing a strong
pengelolaan manajemen risiko hingga penerapan fungsi compliance function as an essential part of GCG principles
kepatuhan yang kuat, sebagai bagian penting implementasi implementation in Bank governance. In this regard, the Board
prinsip-prinsip GCG pada tata kelola Bank. Seiring of Directors also continuously pays attention to the balance
hal tersebut, Direksi juga senantiasa memperhatikan in meeting the Bank’s short-term and long-term targets in
keseimbangan pemenuhan target jangka pendek dan jangka accordance with the RBB and the Bank’s vision. The Board of
panjang Bank, sesuai RBB serta visi Bank. Direksi juga Directors also encourages adequate support for innovative
mendorong terpenuhinya dukungan yang memadai bagi products and services in accordance with the development
hadirnya produk dan layanan inovatif, sesuai perkembangan of customer needs in this digitalization era.
kebutuhan nasabah di tengah arus digitalisasi.
62 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
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Kinerja Bank Raya pada tahun buku 2023 antara lain Bank Raya’s performance in the 2023 fiscal year is
tercermin melalui capaian operasional dibanding tahun reflected, among others through comparison of operation
sebelumnya. Pada posisi 31 Desember 2023, penyaluran achievements to the previous year. As of December 31, 2023,
Kredit mencapai sebesar Rp6,89 triliun. Fokus pada kinerja the Credit distribution amounted to Rp6.89 trillion. The focus
bisnis digital ditandai dengan kenaikan total penyaluran on digital business performance was marked by an increase
digital lending mencapai Rp10,95 triliun atau tumbuh sebesar in total digital lending distribution, which reached Rp10.95
36,81% (yoy) sehingga outstanding pinjaman digital Bank trillion or grew by 36.81% (yoy) so that the outstanding of the
Raya tercatat sebesar Rp1,26 triliun atau tumbuh 37,42% Digital Bank Raya loan was recorded at Rp1.26 trillion or grew
(yoy). Pertumbuhan produk pinjaman digital Bank Raya ini 37.42% (yoy). The growth of the Digital Bank Raya loan product
tidak lepas dari hasil inovasi produk dan sinergi dengan is inseparable from the results of product innovation and
ekosistem BRI Group yang semakin lengkap untuk melayani synergy with the BRI Group ecosystem which is increasingly
jasa keuangan. complete to provide financial services.
Dana Pihak Ketiga (DPK) tercatat sejumlah Rp8,19 triliun, Third Party Funds (DPK) were recorded at Rp8.19 trillion,
dengan pencapaian digital saving tercatat meningkat with digital saving achievements grew by 36.2% (yoy) with
sebesar 36,2% (yoy) dan peningkatan user sebesar 15,92% an increase in users of 15.92% (yoy). The opportunity to work
(yoy). Dengan pertumbuhan double digit ini, maka peluang on digital business in the future is still very broad with this
untuk menggarap bisnis digital ke depan masih sangat luas. double-digit growth.
Di samping itu, kinerja Bank dihadirkan melalui tingkat The Bank’s performance is also presented through a strong
profitabilitas yang kuat. Bank berhasil merealisasi laba bersih level of profitability. The Bank managed to record a net
sejumlah Rp24,35 miliar pada 2023, meningkat 112,47% (yoy) profit of Rp24.35 billion in 2023, an increase of 112.47% (yoy)
dibanding pada 2022 yang tercatat sebesar Rp11,46 miliar. compared to 2022 of Rp11.46 billion. Overall, this increase
Peningkatan tersebut secara umum menunjukkan bahwa indicates that Bank Raya can maintain profitability levels, in
Bank Raya mampu menjaga tingkat profitabilitas, seiring line with efficiency efforts that continue to be carried out.
upaya efisiensi yang terus dilakukan.
Beberapa rasio kunci Bank Raya juga mengalami perbaikan, Several key ratios at Bank Raya also improved, reflected
terlihat dari Rasio Intermediasi Makroprudensial (RIM) yang from the Macroprudential Intermediation Ratio (RIM) at the
berada di level 88,73% serta Loan to Deposit Ratio yang level of 88.73% and the Loan to Deposit Ratio which can be
dapat dijaga di angka 84,21%. Rasio BOPO yang mengalami maintained at 84.21%. The BOPO ratio improved by 90.51%
perbaikan sebesar 90,51% dibandingkan dengan periode compared to 2022 at 93.34%. Bank Raya also has a strong
tahun 2022 yang tercatat sebesar 93,34%. Bank Raya juga capital ratio with a CAR ratio of 43.84%.
memiliki rasio permodalan yang kuat, ditunjukkan dari Rasio
CAR sebesar 43,84%.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 63
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam proses implementasi kebijakan strategis pada 2023, In implementing strategic policies in 2023, Bank Raya faced a
Bank Raya menghadapi sejumlah tantangan eksternal yang number of external challenges, which were mainly driven by:
utamanya dipengaruhi oleh hal-hal sebagai berikut:
1. Persaingan yang semakin ketat dengan semakin 1. Increasingly competitive conditions with addition of
bertambahnya jumlah Bank Digital di Indonesia. many new Digital Banks in Indonesia.
2. Kondisi tingkat suku bunga tinggi di industri perbankan. 2. Condition of high interest rates in banking industry.
3. Pilihan konsumen yang semakin beragam dengan 3. Various choices for customers as other Digital Banks
hadirnya Bank Digital lain menawarkan Produk dan offer similar Product and Services.
layanan yang serupa.
4. Literasi Digital masyarakat di Indonesia yang belum 4. Uneven awareness of digital literacy of Indonesian
merata. people.
5. Masih terdapatnya ketergantungan legacy baik saving 5. Dependency on legacy, both saving and lending.
maupun lending.
Secara lebih lanjut, sejumlah tantangan eksternal tersebut The Bank’s external challenges are described as follows:
diuraikan sebagai berikut:
1. Kondisi geopolitik dan makroekonomi yang berdampak 1. Geopolitical and macroeconomic conditions impacted
kepada pertumbuhan ekonomi Indonesia. Adanya on Indonesia’s economic growth. Increased political
peningkatan ketegangan politik di beberapa negara, tension in several countries affected the stability of the
menyebabkan stabilitas ekonomi global terdampak, global economic, thus investors choose to secure their
sehingga investor memilih untuk mengamankan investment in the Safe Haven country, which causes the
investasinya di negara safe haven, yang menyebabkan issuance of capital from developing countries, including
keluarnya modal dari negara berkembang termasuk Indonesia.
Indonesia.
64 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
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2. Tren suku bunga yang meningkat pada tahun 2023, 2. Increased interest rate trend 2023 causing potential for
sehingga ada potensi penurunan NIM dan meningkatnya a decrease in NIM and an increase in banking COF that
COF perbankan sehingga diperlukan manajemen aset dan require optimal asset and liability management.
liabilitas yang optimal.
3. Jumlah Bank Umum saat ini berjumlah sekitar 105 Bank, 3. Today, there are around 105 Commercial Banks, while
sedangkan KBMI 1 sendiri berjumlah 68 Bank, dan Bank KBMI 1 has 68 Banks and Banks with Digital Bank
yang mengusung Aspirasi Bank Digital berjumlah sekitar Aspirations are around ± 13 Banks. This is expected to
± 13 Bank dan berpotensi terus meningkat. continue to increase.
Sebagai upaya dalam merespons tantangan tersebut, Bank In an effort to respond to these challenges, Bank Raya
Raya menerapkan sejumlah upaya strategis di antaranya implemented a number of strategic efforts, as follows:
sebagai berikut :
1. Fokus pada segmen pasar khusus, yaitu segmen kecil 1. Focusing on special market segments, namely the small
dan mikro serta bersinergi dengan ekosistem BRI secara and micro segments and synergizing optimally with the
optimal. Sinergi BRI dan Bank Raya diwujudkan melalui BRI ecosystem. The synergy between BRI and Bank Raya
berbagai produk yang ditawarkan Bank Raya. Dari sisi is realized through the various products offered by Bank
Digital Savings, nasabah Bank Raya dapat menggunakan Raya. For Digital Savings, Bank Raya customers can use the
ekosistem BRI yang tersebar di seluruh Indonesia. BRI ecosystem spread throughout Indonesia. Customers
Nasabah dapat melakukan setor dan tarik tunai tanpa can make cash deposits and withdrawals without a card
kartu di ATM BRI serta Agen BRILink seluruh Indonesia. at BRI ATMs and BRILink agents throughout Indonesia.
Sinergi dengan BRI juga dapat dilihat dari produk pinjaman Synergy with BRI can also be seen in Bank Raya’s digital
digital Bank Raya melalui produk-produk sebagai berikut: loan products through the following products:
a. Pinang Dana Talangan dapat diakses oleh Agen a. Pinang Dana Talangan can be accessed by BRILink
BRILink melalui aplikasi BRILink Mobile untuk Agents via the BRILink Mobile application for short-
pinjaman jangka pendek bagi Agen BRILink. Sehingga term loans for BRILink Agents. Thus, BRILink agents
Agen BRILink bisa tetap melayani masyarakat untuk can continue to serve the public for transactions.
bertransaksi.
b. Pinang Flexi yang merupakan salary based loan untuk b. Pinang Flexi is a salary-based loan for customers with
nasabah dengan payroll BRI atau Bank Raya. BRI or Bank Raya payroll.
c. Pinang Maksima dan Pinang Performa memanfaatkan c. Pinang Maksima and Pinang Performa utilize vendor
data vendor-vendor yang digunakan oleh ekosistem data used by the BRI Group ecosystem to distribute
BRI Group untuk penyaluran invoice based loan. invoice-based loans.
2. Bank Raya berupaya meningkatkan positioning dengan 2. Bank Raya seeks to improve its position by increasing
meningkatkan kemudahan layanan bagi nasabah. ease of service for customers. Bank Raya expands digital
Bank Raya melakukan ekspansi digital savings untuk savings to provide convenience in cash transactions
memberikan kemudahan dalam cash transactions melalui through BRI network of more than 20 thousand ATM-CRM,
jaringan BRI lebih dari 20 ribu ATM-CRM, dan 699 ribu 699 thousand BRILink agents, and more than 20 thousand
agen BRILink, serta lebih dari 20 ribu outlet Indomaret, Indomaret outlets, as well as digital innovations such
serta inovasi digital seperti penambahan fitur maupun as adding features and business partners in increasing
dengan penambahan partner bisnis, Sehingga portofolio digital portfolios going forward.
digital akan semakin meningkat ke depannya.
3. Bank Raya fokus membangun diferensiasi produk dan 3. Bank Raya focuses on building innovative product and
layanan secara inovatif dengan menyediakan produk service diversification by providing comprehensive
digital yang komprehensif mulai dari Raya apps dengan digital products, ranging from Raya Apps with Digital
digital saving yang dapat digunakan untuk keperluan Saving that can be used for personal needs such as to
personal seperti untuk mengatur pos keuangan melalui manage financial posts through various pockets and
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 65
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
berbagai Saku maupun fitur penunjang kegiatan bisnis supporting features of business activities for novice
bagi pebisnis pemula maupun pelaku usaha mikro. Selain business people and micro business actors. In addition,
itu, lintas segmen produk kredit digital yang melayani the digital lending product segment that serves micro,
bisnis mikro, kecil maupun ritel merupakan keunggulan small, and retail businesses is a competitive advantage
kompetitif dan searah dengan aspirasi Bank Raya menjadi and in the same direction as the aspiration of the bank to
go smaller, faster dan shorter. be Go Smaller, Faster, and Shorter.
4. Melakukan metode akuisisi digital lending yaitu berbasis 4. Carrying out digital lending acquisition, namely
ecosystem partnership (B2B2C), sedangkan digital saving ecosystem partnership (B2B2C) based, while digital
berbasis ecosystem partnership (B2B2C) dan akuisisi end- saving is ecosystem partnership (B2B2C) and end-user
user (B2C). acquisition (B2C).
5. Meningkatkan kapasitas dan kapabilitas Digital Bank, 5. Increasing the Bank’s Digital capacity and capabilities,
utamanya melalui peningkatan pada aspek Teknologi primarily through improvements in Information
Informasi, Data, Talenta, dan Organisasi. Technology, Data, Talent and Organizational aspects.
6. Portofolio digital akan terus ditingkatkan dari posisi 6. Continuously improving digital portfolio from its current
saat ini. Strategi yang dilakukan untuk mencapai hal position. This shall be achieved with the strategy to
tersebut tentunya dengan mengoptimalkan sinergi di BRI optimize synergy within the BRI Group, both through
Group, baik melalui produk kredit produktif Pinang Dana productive loan products Pinang Dana Talangan and
Talangan dan invoice based financing Pinang Maksima invoice-based financing Pinang Maksima and Performa,
dan Performa, maupun kredit konsumer Pinang Flexi. as well as consumer loan Pinang Flexi. For digital savings
Sedangkan untuk ekspansi digital savings kami dorong expansion, we promote convenience in cash transactions
dengan kemudahan dalam cash transactions serta as well as digital innovations such as adding features and
inovasi digital seperti penambahan fitur maupun dengan business partners.
penambahan partner bisnis.
Ekonomi Indonesia diperkirakan mampu melanjutkan The Indonesian economy is expected to continue its positive
tingkat ketahanan yang baik pada 2024, di tengah konflik resilience in 2024 amidst global geopolitical conflicts and
geopolitik pada lingkup global serta agenda pemilihan umum national general election agenda. Bank Indonesia’s official
pada lingkup nasional. Bank Indonesia melalui rilisan resmi release in November 2023 estimates that the Indonesian
pada November 2023, memperkirakan ekonomi Indonesia economy in 2024 will be able to grow in the range of 4.7-
pada tahun 2024 mampu tumbuh pada kisaran 4,7-5,5%. 5.5%. Such growth will be supported by private consumption,
Pertumbuhan tersebut akan didukung oleh konsumsi swasta, investment realization and positive export performance.
realisasi investasi, serta kinerja ekspor yang positif. Di tengah Despite these assumptions, the Consumer Price Index (CPI)
asumsi tersebut, Indeks Harga Konsumen (IHK) diperkirakan is expected to decline and return to the target of 2.5±1%.
menurun dan kembali pada sasaran 2,5±1%. Terkait hal ini, In this regard, inflation rate in 2024 will be fundamentally
tingkat inflasi pada 2024 secara mendasar akan didukung supported by strong coordination between the central and
oleh koordinasi yang kuat antara pemerintah pusat dan regional governments, through the Central and Regional
daerah, melalui Tim Pengendalian Inflasi Pusat dan Daerah Inflation Control Team (TPIP and TPID) as well as the National
(TPIP dan TPID) serta peran Gerakan Nasional Pengendalian Food Inflation Control Movement (GNPIP)’s role.
Inflasi Pangan (GNPIP).
66 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN MANAJEMEN
Management Report group
Di tengah proyeksi situasi ekonomi 2024, Bank Indonesia With the projected economic conditions for 2024, Bank
sebagai regulator akan berfokus pada 4 (empat) kebijakan Indonesia as the regulator will focus on 4 (four) main policies,
utama, mencakup kebijakan Ekonomi-Keuangan Inklusif dan including Inclusive and Green Economic-Financial policies.
Hijau. Lebih lanjut, Bank Indonesia akan mendorong perluasan Furthermore, Bank Indonesia will encourage the expansion
program-program pengembangan ekonomi-keuangan of inclusive economic-financial development programs for
inklusif pada UMKM, salah satunya melalui digitalisasi. Nilai MSMEs, one of which is through digitalization. The value of
transaksi digital banking diperkirakan tumbuh 23,2% (yoy) digital banking transactions is estimated to grow 23.2% (yoy)
pada 2024. in 2024.
Terdapat optimisme bahwa bisnis perbankan digital akan The digital banking business is expected to gain profitability
menghadirkan profitabilitas yang baik pada 2024. Di tengah in 2024. In the midst of increasingly intense competition,
persaingan yang diperkirakan semakin ketat, perbankan digital banking’s positive outlook can be maintained
digital diperkirakan tetap berada pada prospek yang baik, supported by strong ecosystem collaboration. The
didukung oleh kolaborasi ekosistem yang kuat. Merujuk Indonesian Banking Development Institute (LPPI) added
pada informasi Lembaga Pengembangan Perbankan that the Indonesian digital banking industry in 2024 will have
Indonesia (LPPI), tren yang diproyeksi akan terjadi pada trends of acquisitions, mergers or consolidation in between
industri perbankan digital Indonesia pada 2024 mencakup banking entities. It is estimated that the ecosystem will be
aksi akuisisi, merger, ataupun konsolidasi di antara entitas a determining factor for the development of digital banks,
perbankan. Faktor ekosistem diperkirakan menjadi faktor including Bank Raya.
penentu bagi realisasi perkembangan bank digital, termasuk
Bank Raya.
Bank Raya menyiapkan fokus strategi yang akan diterapkan Bank Raya has prepared a strategic focus to face challenges
dalam menghadapi tantangan dan peluang pada 2024, and seize opportunities in 2024, especially for external
khususnya dalam menghadapi dinamika eksternal pada dynamics at the domestic level. The Bank focuses on
lingkup domestik. Bank akan berfokus untuk meningkatkan increasing liquidity for the savings and develop healty
likuiditas dari sisi bisnis saving juga mengembangkan bisnis businesses. In optimizing digital business, the Bank also pay
lending yang sehat. Guna mengoptimalisasi bisnis digital, attention to expansion of online to offline (O2O) networks,
Bank juga akan berfokus pada perluasan jaringan online as well as innovation and sustainable product development
to offline (O2O), serta inovasi dan pengembangan produk through partnerships and end user acquisitions in the BRI
berkelanjutan, melalui partnership dan akuisisi end user baik Group ecosystem and other digital ecosystems.
pada ekosistem BRI Group maupun ekosistem digital lainnya.
Lebih dari itu, Bank optimistis situasi eksternal pada 2024 Moreover, the Bank is optimistic that the external conditions
akan menghadirkan multiplier effect yang memberi dampak in 2024 will present a multiplier effect with positive impact
positif terhadap UMKM, hingga mendorong pencapaian on MSMEs, thereby encouraging achievement of Current
target komposisi Current Account Saving Account (CASA) Accounts Saving Account (CASA) target through the Bank’s
melalui infrastruktur digital Bank. digital infrastructure.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 67
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sesuai peraturan perundang-undangan yang berlaku, In accordance with applicable laws and regulations, the
Direksi telah melaksanakan fungsi pengurusan Bank dengan Board of Directors has carried out the Bank’s management
berlandaskan komitmen penerapan prinsip-prinsip GCG functions based on a commitment to implementing GCG
dalam tiap-tiap lini operasi. Direksi memastikan bahwa principles in each line of operations. The Board of Directors
implementasi dan pengembangan GCG Bank dilaksanakan ensures the Bank’s continuous GCG implementation and
secara berkesinambungan, melalui upaya evaluasi dan development through periodic evaluation and improvements.
penyempurnaan berkala. Lebih dari itu, implementasi prinsip- Moreover, the Bank’s GCG principles implementation has
prinsip GCG Bank juga telah didukung upaya sosialisasi dan also been disseminated and internalized to all Bank Raya
internalisasi bagi seluruh Insan Bank Raya, guna memastikan personnel for them to comprehend and apply GCG principles
tiap-tiap personil dapat memahami dan menerapkan prinsip- in daily operations.
prinsip GCG dalam praktik operasi sehari-hari.
Bank secara konsisten menerapkan penguatan dan The Bank consistently strengthens and improves its GCG tools
penyempurnaan terhadap perangkat GCG yang dimiliki, di and ensures the organs for Bank governance in accordance
samping memastikan bahwa tata kelola Bank diterapkan with the laws and the Bank’s business development needs. As
dengan kelengkapan organ, sesuai regulasi dan kebutuhan of 2023, each of the Bank’s governance organs has its own
pengembangan usaha Bank. Sampai dengan 2023, Bank work guidelines, namely the Board of Directors Manual, Board
telah melengkapi masing-masing organ tata kelola dengan of Commissioners Manual, Committee Charters, and Internal
pedoman kerja, terlihat melalui keberadaan Pedoman & Tata Audit Charter. In addition, the Bank’s GCG implementation
Kerja Direksi, Pedoman Kerja Dewan Komisaris, Pedoman is also strengthened through several strategic measures,
Kerja Komite, hingga Piagam Audit Internal. Selain itu, namely:
penguatan implementasi GCG Bank juga dilakukan melalui
sejumlah upaya strategis, , yaitu:
• Telah dilakukan kegiatan monitoring dan pembinaan oleh • In 2023, the Compliance Work Unit conducted monitoring
Satuan Kerja Kepatuhan kepada beberapa Unit Kerja and coaching activities for several Operational Work
Operasional pada tahun 2023 dalam rangka meningkatkan Units to increase understanding of the Legal Function
pemahaman tentang Fungsi Legal dan Fungsi Kepatuhan, and Compliance Function, including in the form
antara lain berupa sosialisasi penerapan Tata Kelola of disseminating the Good Corporate Governance
Perusahaan yang Baik (Good Corporate Governance), implementation, the Bank’s Code of Conduct, Anti-
Kode Etik Bank, Anti-Penyuapan dan Pengendalian Bribery and Gratuity Control, the APU & CFT program
Gratifikasi, penerapan program APU & PPT dan implementation, and Prevention of Funding for the
Pencegahan Pendanaan Proliferasi Senjata Pemusnah Proliferation of Weapons of Mass Destruction including
Massal termasuk pemanfaatan sistem pendukung APU the APU & CPT support system (RAYSA System) utilization,
& PPT (Sistem RAYSA), serta pemahaman mengenai as well as understanding Credit Law and Operational Law.
Hukum Perkreditan dan Hukum Operasional.
• Selain itu, telah dilakukan kick off meeting ISO 37001:2016 • In addition, an ISO 37001:2016 SMAP kick-off meeting
SMAP dan dilakukan Awareness Training ISO 37001:2016 was held and ISO 37001:2016 SMAP Awareness Training
SMAP dengan konsultan Robere pada Oktober 2023, was conducted with Robere consultants in October
Sosialisasi melalui e-Learning materi ISO 9001:2015 2023, Dissemination via e-Learning of ISO 9001:2015
Sistem Manajemen Mutu untuk seluruh pekerja Bank Quality Management System material for all Bank Raya
Raya, Sosialisasi melalui E-Learning tentang Anti-Bribery employees, Dissemination via e-Learning on Anti-Bribery
68 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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Management Report group
untuk seluruh pekerja Bank Raya, Penyelenggaraan for all Bank Raya employees, Organizing an Anti-Fraud
Seminar Anti-Fraud dan Pengendalian Gratifikasi and Gratuity Control Seminar with ERM and HCP for all
bersama ERM dan HCP untuk seluruh pekerja Bank Raya Bank Raya employees in November 2023;
pada November 2023;
• Telah diselenggarakan Surveillance Audit ISO 9001:2015 • Surveillance Audit ISO 9001:2015 Quality Management
Sistem Manajemen Mutu (SMM) oleh Auditor Eksternal System (SMM) held by External Auditor BSI and Surveillance
BSI dan telah diselenggarakan Surveillance Audit ISO Audit ISO 37001:2016 Anti-Bribery Management System
37001:2016 Sistem Manajemen Anti Penyuapan (SMAP) (SMAP) by External Auditor Sucofindo in December 2023.
oleh Auditor Eksternal Sucofindo pada Desember 2023.
Atas penilaian Tingkat Kesehatan Bank yang dilakukan pada For the 2023 Risk-Based Bank Rating, the Bank obtained
2023, Bank memperoleh Peringkat 2 (dua) dengan Predikat a score of 2 (two) with the predicate “Satisfactory” This
“Bank Sehat”, yang secara umum menunjukkan konsistensi achievement generally reflects the consistency of GCG
dibanding tahun sebelumnya. Secara umum, hasil assessment implementation compared to the previous year and the
tersebut mencerminkan fokus penguatan tata kelola Bank, Bank’s governance strengthening focus, along with efforts
seiring upaya pengelolaan risiko, penerapan GCG, hingga to manage risk, implement GCG, and manage profitability
pengelolaan aspek rentabilitas dan permodalan. Direksi and capital aspects. The Board of Directors ensures that
memastikan, seluruh rekomendasi serta area of improvement all recommendations and areas of Improvements from the
dari hasil penilaian pada 2023 telah ditindaklanjuti, sebagai 2023 GCG self-assessment have been followed up as a basis
dasar peningkatan penilaian Tingkat Kesehatan Bank di for improving the quality of Risk-Based Bank Rating in the
tahun berikutnya. following year.
Kepemilikan Direksi, Dewan Komisaris, dan Pemegang Share Ownership of the Board of Directors, Board of
Saham atas Bank Commissioners and Shareholders
Pengungkapan informasi mengenai pemegang saham Bank, Information on Bank shareholders, including share
mencakup kepemilikan saham oleh anggota Direksi ataupun ownership by members of the Board of Directors or Board of
Dewan Komisaris, dapat dilihat pada bab Profil Perusahaan Commissioners has been disclosed in the Company Profile
subbagian Struktur dan Komposisi Pemegang Saham. chapter, Shareholder Structure and Composition subsection.
Perubahan-Perubahan Penting yang Terjadi pada Bank Changes in the Bank and the Bank’s Business Group
dan Kelompok Usaha Bank
Selama 2023, terdapat perubahan Anggaran Dasar Perseroan During 2023, there will be changes to the Company’s Articles
yang tercantum dalam Akta Nomor 2 tanggal 3 Oktober 2023 of Association as stated in Deed No. 2 dated October 3, 2023
yang dibuat dihadapan Notaris M.Nova Faisal SH., M.Kn, di made before Notary M.Nova Faisal SH., M.Kn, in Jakarta.
Jakarta.
Seiring perkembangan Teknologi Informasi (TI) dan digitalisasi In line with the development of Information Technology
di tengah masyarakat, Bank Raya mengembangkan tata (IT) and digitalization in people’s lives, Bank Raya develops
kelola TI sebagai fungsi pendukung penting bagi aktivitas IT governance as a key supporting function for the Bank’s
operasional dan bisnis Bank. Pada tahun 2023, Bank Raya operations and business activities. In 2023, Bank Raya has
telah menerapkan sejumlah pengembangan bidang TI, implemented a number of developments in the IT sector,
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 69
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
melalui upaya-upaya strategis dengan berfokus pada people, through strategic measures focusing on people, processes
process, dan technology melalui upaya-upaya peningkatan and technology in improving business enablers, including
antara lain fokus pada perbaikan business enabler antara lain increasing digital capability, culture transformation and
peningkatan digital capability, culture transformation serta strengthening Risk Management.
penguatan Manajemen Risiko.
Digital capability Bank Raya terus ditingkatkan secara Bank Raya’s digital capability is continuously improved
berkesinambungan melalui big data technology, layanan through big data technology, reliable IT-based services and
berbasis IT yang handal serta Contact Center Sapa Raya the Sapa Raya Contact Center with quality response time. Bank
dengan response time yang berkualitas. Transformasi culture Raya continues to carry out culture & people transformation
& people terus dilakukan oleh Bank Raya dengan talenta with the best talents with digital mindset and capability. To
terbaik yang memiliki digital mindset dan capability. Untuk strengthen risk management in a sustainable manner, Bank
penguatan manajemen risiko secara berkelanjutan, Bank Raya Raya developed automated machine learning credit scoring
mengembangkan automated machine learning credit scoring in maintaining credit quality and utilize artificial intelligence
dalam rangka menjaga kualitas kredit serta pemanfaatan technology to develop a Fraud Detection System (FDS).
teknologi artificial intelligence untuk pengembangan Fraud
Detection System (FDS).
Dalam rangka penguatan keamanan layanan digital, Bank Raya In strengthening its digital services security, Bank Raya
terus memperkuat sistem keamanan infrastruktur digital dan continues to strengthen digital infrastructure security
rutin serta meningkatkan fitur keamanan di berbagai layanan systems and regularly improve security features in various
digital yang dimiliki Bank Raya. Bank Raya telah memperkuat digital services of Bank Raya. Bank Raya has strengthened its
keamanan siber yang dimiliki antara lain melalui perlindungan cyber security, among others, by protecting infrastructure,
infrastruktur, jaringan, aplikasi, dan data. Atas hal tersebut, networks, applications, and data. In this regard, the Bank
Bank telah memperkuat Security Monitoring Center dan has strengthened Security Monitoring Center and cyber
manajemen risiko keamanan siber bagi transaksi digital security risk management for the Bank’s digital transactions
Bank, sebagai praktik peningkatan kewaspadaan terhadap in effort to raise awareness of disruptions and attacks. The
gangguan serta serangan. Direksi memastikan, infrastruktur Board of Directors ensures that Bank Raya’s IT infrastructure
TI Bank Raya telah terlindung melalui pemantauan secara is protected through real-time monitoring with 2 (two)
real-time melalui 2 (dua) mekanisme, yaitu Security Operation mechanisms, namely Security Operation Center and Security
Center serta Security Command Center. Command Center.
Untuk memitigasi Risiko, Bank Raya melakukan monitoring To mitigate risk, Bank Raya carries out routine monitoring
rutin terkait potensi cyber attack di sistem keamanan layanan of potential cyber attacks on the Bank’s digital service
digital Bank dengan memanfaatkan teknologi AI untuk Fraud security system by utilizing AI technology for the Fraud
Detection System. Selain dari sisi teknologi, Bank Raya selalu Detection System. Aside of technology, Bank Raya always
melakukan edukasi kepada para nasabah. Dalam mendukung provides education to customers to protect their data and
upaya perlindungan data dan transaksinya, nasabah dapat transactions. For this, customers shall always maintain the
melakukannya dengan selalu menjaga kerahasiaan data confidentiality of personal data, such as Card Number, PIN,
pribadi, seperti Nomor Kartu, PIN, CVV/CVN, OTP/Token, CVV/CVN, OTP/Token, and being careful when carrying out
serta berhati-hati dalam melakukan transaksi. Bank Raya transactions. Bank Raya also continue to enhance security
juga terus memastikan peningkatan keamanan di aplikasi, in the application, such as through biometric authentication
misalnya melalui otentikasi biometrik dan two-factor and two-factor authentication.
authentication.
Guna memperkuat pengelolaan TI, Direksi mendorong For IT management strengthening, the Board of Directors
diterapkannya pengembangan kualitas SDM TI secara encourages continuous development of IT human resources
berkelanjutan, melalui program peningkatan kapasitas quality, through capacity and competency improvement
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dan kompetensi bagi personil Divisi TI. Program tersebut programs for IT Division personnel. This program is
direalisasikan melalui kegiatan pelatihan dan sertifikasi, realized through training and certification of a number of
terdiri atas sejumlah subbidang TI, bagi Divisi Application IT subfields for the Application Development, Architecture,
Development, Architecture, and Governance, Divisi IT and Governance Division, IT Infrastructure & Operational
Infrastructure & Operational Excellence serta Divisi Big Data. Excellence Division, and Big Data Division.
Melalui sinergi dari sejumlah pihak, mencakup pemangku Through synergy from several parties, including both
kepentingan baik internal maupun eksternal, Bank Raya internal and external stakeholders, Bank Raya presented
telah menghadirkan kinerja keberlanjutan untuk tahun its sustainability performance for 2023. Bank Raya’s
2023. Kinerja keberlanjutan Bank Raya merupakan upaya sustainability performance is a continuous effort to deliver a
terus-menerus dalam memberikan nilai manfaat secara wide range of benefit values. It requires efforts to empower
luas, yaitu pada aspek ekonomi, lingkungan, dan sosial, bagi communities and protect the environment, especially from
upaya-upaya pemberdayaan masyarakat serta pelestarian economic, environmental and social aspects. Bank Raya’s
lingkungan hidup. Secara periodik, kinerja keberlanjutan sustainability performance is periodically carried out by
Bank Raya dilakukan dengan mengacu pada Rencana Aksi referring to the Sustainable Financial Action Plan (RAKB),
Keuangan Berkelanjutan (RAKB), yang mengintegrasikan integrating sustainability principles into business decisions
prinsip keberlanjutan ke dalam keputusan bisnis guna to create optimal added value for stakeholders.
menghasilkan nilai tambah optimal bagi pemangku
kepentingan.
Penjelasan lebih lanjut mengenai nilai keberlanjutan dan Further explanation of the sustainability and commitment
komitmen terhadap pelaksanaan keuangan berkelanjutan values to the implementation of sustainable finance at Bank
Bank Raya dapat dilihat pada bab Laporan Keberlanjutan, Raya can be seen in the Sustainability Report chapter, the
subbagian Laporan Direksi. subsection of the Board of Directors Report.
Direksi melaksanakan fungsi pengurusan Bank Raya dengan The Board of Directors carries out the management function
didukung keberadaan komite-komite Direksi. Sejumlah of Bank Raya supported by the Board of Directors committees,
komite tersebut terdiri dari Aset and Liability Committee, namely Assets and Liability Committee, Risk Management
Komite Manajemen Risiko, Komite Kredit, Komite Produk, Committee, Credit Committee, Product Committee, Credit
Komite Kebijakan Perkreditan, dan Komite Pengarah Policy Committee, and Information and System Technology
Teknologi Sistem Informasi. Direksi menerapkan evaluasi Steering Committee. The Board of Directors carries out
secara berkala terhadap keberadaan komite Direksi, dalam regular evaluations of the Board of Directors committees
rangka memastikan jumlah dan pembidangan masing- to ensure that the number and scope of each committee is
masing komite senantiasa sesuai dengan kebutuhan usaha always in line with the Bank’s business needs and the external
Bank serta dinamika eksternal yang dihadapi. Atas evaluasi dynamics. Based on the evaluation, the Board of Directors
tersebut, Direksi memastikan, keberadaan komite-komite ensures that the Bank’s Board of Directors committees in
Direksi Bank pada 2023 telah sesuai dengan kebutuhan 2023 is in accordance with business needs and dynamics of
usaha serta dinamika yang dihadapi. the Bank.
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group Strengthening Digital Business Excellence towards Sustainable Growth
Direksi menilai, masing-masing komite telah melaksanakan The Board of Directors assesses that each committee’s duties
tugas dan tanggung jawabnya dengan kinerja yang baik pada and responsibilities have been well implemented in 2023.
2023. Hal ini diukur melalui pemenuhan terhadap pedoman This is measured through compliance with work guidelines
dan prosedur kerja, dengan mempertimbangkan realisasi and procedures, taking into account the realization of each
program kerja masing-masing komite. Selain itu, masing- committee’s work program. Each committee has also held
masing komite juga telah melaksanakan rapat-rapat kerja meetings based on the prevailing policy with the results of
sesuai kebijakan rapat, dengan hasil rekomendasi telah recommendations documented and submitted to the Board
didokumentasikan dan disampaikan kepada Direksi. Masing- of Directors. The Board of Directors assesses that each
masing komite telah memanfaatkan penyelenggaraan rapat committee has utilized the meeting as a forum in discussing
sebagai forum dalam berdiskusi, guna membahas program work programs and recommendations for the Board of
kerja dan rekomendasi bagi Direksi sesuai perkembangan Directors in accordance with developments in the Bank’s
kondisi internal dan eksternal Bank serta perkembangan internal and external conditions as well as developments in
regulasi yang berlaku bagi Bank. regulations applicable to the Bank.
Pada tahun 2023, Bank Raya mengalami perubahan komposisi In 2023, Bank Raya had changes in the Board of Directors
Direksi yang dilakukan berdasarkan Keputusan RUPS tanggal composition based on GMS resolution dated May 10,
10 Mei 2023. Melalui keputusan tersebut, pemegang saham 2023 which honorably dismissed Mr. Ernawan as Director
Bank memberhentikan dengan hormat Bapak Ernawan of Enterprise Risk Management, Compliance & Human
sebagai Direktur Enterprise Risk Management, Compliance & Resource and Mr. Akhmad Fazri as Director of Finance and
Human Resource serta Bapak Akhmad Fazri sebagai Direktur appointed Mr. Danar Widyantoro as Director of Enterprise
Keuangan dan mengangkat Bapak Danar Widyantoro sebagai Risk Management, Compliance & Human Resource and Mrs.
Direktur Enterprise Risk Management, Compliance & Human Rustarti Suri Pertiwi as Director of Finance. The change
Resource serta Ibu Rustarti Suri Pertiwi sebagai Direktur in composition was motivated by the end of the terms of
Keuangan. Perubahan komposisi tersebut dilatarbelakangi office of Mr. Ernawan and Mr. Akhmad Fazri, in addition to
oleh habisnya masa jabatan Bapak Ernawan dan Bapak adjustments to the dynamics of the Bank’s internal needs.
Akhmad Fazri, di samping penyesuaian terhadap dinamika
kebutuhan internal Bank.
Atas perubahan tersebut, komposisi Direksi Bank Raya Due to these changes, the Board of Directors composition of
adalah sebagai berikut: Bank Raya is as follows:
Direktur Utama : Ida Bagus Ketut Subagia President Director : Ida Bagus Ketut Subagia
Direktur Retail Agri & Pendanaan : Dedy Hendrianto Director of Agri Retail & Funding : Dedy Hendrianto
Direktur Digital & Operasional : Bhimo Wikan Hantoro Director of Digital & Operations : Bhimo Wikan Hantoro
Direktur Enterprise Risk : Danar Widyantoro Director of Enterprise Risk : Danar Widyantoro
Management, Compliance & Management, Compliance &
Human Resource Human Resource
Direktur Keuangan : Rustarti Suri Pertiwi Director of Finance : Rustarti Suri Pertiwi
Direksi menyampaikan apresiasi dan ucapan terima kasih The Board of Directors expresses their appreciation and
atas kontribusi dan dedikasi yang telah diberikan selama gratitude for the contribution and dedication given while
menjadi Direksi Bank Raya. serving as Bank Raya’s Board of Directors.
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PENUTUP
Closing
Bank Raya telah berhasil meletakan pondasi yang kuat dan Bank Raya successfully build a strong foundation and
meraih pertumbuhan usaha selama tahun 2023. Untuk achieves business growth during 2023. Therefore, on behalf
itu, atas nama Direksi, kami menyampaikan terima kasih of the Board of Directors, we would like to express our
kepada seluruh Raya Rangers yang telah bekerja dengan gratitude to all Raya Rangers who work diligently to achieve
semangat bagi pencapaian sasaran-sasaran kinerja Bank. the Bank’s performance targets.
Melalui kesempatan ini, kami menyampaikan rasa terima We take this opportunity to express our gratitude to BRI for
kasih kepada BRI selaku Pemegang Saham Pengendali atas the support and trust we have received as the Controlling
dukungan dan kepercayaan yang telah diberikan. Ucapan Shareholder. We thank the Board of Commissioners for their
terima kasih kami sampaikan kepada Dewan Komisaris active supervision and role in providing advice, especially in
yang telah memberikan peran aktif pengawasan dan implementing good governance.
pemberian nasihat, terutama dalam penyelenggaraan tata
kelola yang baik.
Kami juga menyampaikan rasa terima kasih kami We would also like to express our gratitude to customers
kepada para nasabah yang turut berkontribusi dalam who contribute to the development of the Bank’s business,
perkembangan usaha Bank, Pemegang Saham yang secara Shareholders who consistently provide full support for the
konsisten memberi dukungan penuh untuk pengembangan Bank’s development from time to time, as well as Regulators
Bank dari waktu ke waktu, serta kepada Regulator sebagai as policy makers who directly interact with banks for their
penentu kebijakan yang langsung berinteraksi dengan consistency to ensure the realization of sound economy and
perbankan atas konsistensinya dalam usaha untuk banking.
mewujudkan perekonomian dan perbankan yang sehat.
Atas seluruh capaian pada 2023, Direksi optimistis ke For all the achievements in 2023, the Board of Directors is
depan Bank Raya akan mampu menghadirkan kinerja positif optimistic that in the future, Bank Raya will be able to deliver
seiring arah kebijakan transformatif untuk hadir di tengah positive performance in line with the transformative policies
masyarakat sebagai digital attacker BRI Group. Direksi as a digital attacker for the BRI Group in people’s lives. The
optimistis kerja sama di antara seluruh unsur Bank dapat Board of Directors is hopeful that cooperation between all
dipertahankan dan ditingkatkan, sebagai upaya bersama elements of the Bank can be maintained and improved as a
dalam mewujudkan pertumbuhan bisnis berkelanjutan. collaborative effort to realize sustainable business growth.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
DIREKSI
z BOARD OF DIRECTORS
3 5 1
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LAPORAN MANAJEMEN
Management Report group
2. Dedy Hendrianto
Direktur Retail Agri &
Pendanaan
Director of Agri Retail &
Funding
4. Danar Widyantoro
Direktur Enterprise Risk
Management, Compliance &
Human Resource
Director of Enterprise Risk
Management, Compliance &
Human Resource
4 2
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kami yang bertanda tangan di bawah ini menyatakan bahwa We, the undersigned, testify that all information contained in
semua informasi dalam Laporan Tahunan dan Laporan the 2023 Annual Report and Sustainability Report of PT Bank
Berkelanjutan PT Bank Raya Indonesia Tbk tahun buku 2023 Raya Indonesia Tbk has been presented in its entirety, and
telah dimuat secara lengkap dan kami bertanggung jawab assume full responsibility for the accuracy of the contents of
penuh atas kebenaran isi Laporan Tahunan dan Laporan the Company’s Annual Report and Sustainability Report.
Berkelanjutan Perseroan.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Dewan Komisaris
Board of Commissioners
M. Sidik Heruwibowo
Komisaris Utama
President Commissioner
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Kami yang bertanda tangan di bawah ini menyatakan bahwa We, the undersigned, testify that all information contained in
semua informasi dalam Laporan Tahunan dan Laporan the 2023 Annual Report and Sustainability Report of PT Bank
Berkelanjutan PT Bank Raya Indonesia Tbk tahun buku 2023 Raya Indonesia Tbk has been presented in its entirety, and
telah dimuat secara lengkap dan kami bertanggung jawab assume full responsibility for the accuracy of the contents of
penuh atas kebenaran isi Laporan Tahunan dan Laporan the Company’s Annual Report and Sustainability Report.
Berkelanjutan Perseroan.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Direksi
Board of Directors
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PROFIL
PERUSAHAAN
Company Profile
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
Strengthening Digital Business Excellence towards Sustainable Growth
IDENTITAS PERUSAHAAN
z CORPORATE IDENTITY
group
dana talangan
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PROFIL PERUSAHAAN
Company Profile
Bidang Usaha /
Perbankan / Banking
Line of Business
Tanggal Pendirian /
27 September 1989 / September 27, 1989
Date of Establishment
Akta Notaris Raden Soekarsono, S.H., No. 27 tanggal 27 September 1989. Anggaran Dasar Bank
telah disahkan oleh Menteri Kehakiman Republik Indonesia dengan Surat Keputusan No. C.2-
10019.HT.01.01-TH.89 tanggal 28 Oktober 1989 dan telah diumumkan dalam Berita Negara Republik
Dasar Hukum Pendirian / Indonesia No. 96, Tambahan No. 3303, pada tanggal 1 Desember 1989. / Deed of Notary Raden
Legal Basis of Establishment Soekarsono, S.H., No. 27 dated September 27, 1989. The Bank’s Articles of Association has been
ratified by the Indonesian Minister of Justice of in Decree No. C.2-10019.HT.01.01-TH.89 dated October
28, 1989 and has been announced in the Indonesian State Gazette No. 96, Appendix No. 3303 on
December 1, 1989.
Modal Dasar /
Rp60.000.000.000,-
Authorized Capital
Total Aset /
Rp12,44 Triliun / Trillion
Total Assets
Jumlah Karyawan /
927 Orang / Employees
Total Employees
Email humas@bankraya.co.id
Situs Perusahaan /
www.bankraya.co.id
Company Website
Sekretaris Perusahaan /
Ajeng Putri Hapsari
Corporate Secretary
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PT Bank Raya Indonesia Tbk selanjutnya disebut “Bank PT Bank Raya Indonesia Tbk, or hereinafter referred to as
Raya” atau “Bank” didirikan oleh Dana Pensiun Perkebunan “Bank Raya” or the “Bank”, was founded by Dana Pensiun
(Dapenbun) berdasarkan Akta No. 27 tanggal 27 September Perkebunan (Dapenbun) under the name PT Bank AGRO in
1989 yang dibuat di hadapan Rd. Soekarsono, S.H., Notaris di accordance with Deed No. 27, dated September 27, 1989,
Jakarta dengan nama PT Bank AGRO. drawn up before Rd. Soekarsono, S.H., Notary in Jakarta.
Pada akhir tahun 1989 Bank memperoleh izin usaha dari The Bank officially commenced its operations on February
Menteri Keuangan sesuai Surat Keputusan Menteri Keuangan 8, 1990 pursuant to the business license issued through the
No. 1347/ KMK.013/1989 dan Surat Keputusan Direktur Bank Minister of Finance Decree No. 1347/KMK.013/1989 and Bank
Indonesia No. 22/1037/UPPS/ PSbD tanggal 26 Desember Indonesia Director Decree No. 22/1037/UPPS/PSbD dated
1989 dan mulai beroperasi secara komersial pada tanggal 8 December 26, 1989.
Februari 1990.
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Sejak awal pendiriannya, Bank fokus pada sektor agribisnis. In its establishment, the Bank initially focused on agribusiness.
Portofolio kredit Bank sebagian besar (antara 50% - 70%) Most of the Bank’s loan portfolio (50%-70%) was allocated to
disalurkan di sektor agribisnis, baik on farm maupun off farm. the agricultural sector, covering both on-farm and off-farm
Tahun 2003, Bank melakukan penawaran umum perdana operations. Through approval in the Bapepam-LK No. S-1565/
di Bursa Efek Surabaya setelah mendapat persetujuan PM/2003 dated June 30, 2003, the Bank conducted an initial
Bapepam-LK No. S-1565/ PM/2003 tertanggal 30 Juni public offering on the Surabaya Stock Exchange in 2003 along
2003. Pada saat yang bersamaan, Bank mengubah namanya with change of name to PT Bank Agroniaga Tbk. In 2007, the
menjadi PT Bank Agroniaga Tbk. Pada tahun 2007, saham Bank listed its shares on the Indonesia Stock Exchange with
Bank dengan kode saham AGRO sudah tercatat di Bursa Efek the ticker code AGRO.
Indonesia.
Tahun 2006, Bank meningkatkan statusnya menjadi Bank In 2006, the Bank advanced by becoming a Foreign Exchange
Umum Devisa berdasarkan Surat Keputusan Gubernur Bank Commercial Bank based on the Bank Indonesia Governor
Indonesia No. 8/41/Kep.GBI/2006 tertanggal 8 Mei 2006. Decree No. 8/41/Kep.GBI/2006 dated May 8, 2006.
Pada tanggal 3 Maret 2011, PT Bank Rakyat Indonesia On March 3, 2011, PT Bank Rakyat Indonesia (Persero) Tbk
(Persero) Tbk (BRI) mengakuisisi sebagian besar saham (BRI) acquired majority of Dapenbun’s shares, making BRI the
milik Dapenbun, sehingga BRI menjadi pemegang saham majority stakeholder. In conjunction with its 23rd anniversary
pengendali. Tahun 2012 bersamaan dengan ulang tahun ke- in 2012, the Bank had another name change to PT Bank Rakyat
23, Bank kembali berganti nama menjadi PT Bank Rakyat Indonesia Agroniaga Tbk with the commercial name BRI Agro.
Indonesia Agroniaga Tbk, dengan nama komersial BRI Agro.
Bersama BRI, Bank semakin mantap melangkah dan The Bank is confident to go forward and provide sincere
melayani dengan setulus hati. Bank juga menjalin sinergi services with BRI. Through strong rapport with BRI, the Bank
yang kuat dengan BRI, salah satunya seluruh nasabah Bank has many advantages, one of which is through free use of
dapat menggunakan kartu ATM Bank tanpa dikenakan biaya Bank ATM cards throughout the BRI ATM network for all kinds
di seluruh jaringan ATM BRI untuk segala jenis transaksi. of transactions by all Bank clients.
Pada tahun 2019, Perseroan melakukan terobosan dengan In 2019, the Company made a breakthrough by introducing
meluncurkan PINANG yang merupakan pinjaman berbasis PINANG, the first application-based bank loan product
digital dan sekaligus menjadi produk pinjaman bank berbasis and a digital-based loan with BRI’s support. As Controlling
aplikasi pertama melalui dukungan dari BRI. Sejalan dengan Shareholder, BRI appointed the Bank as digital attacker of the
rencana BRI sebagai Pemegang Saham Pengendali melalui BRI Group in its BRI BRIVOLUTION 2.0 corporate plan. in 2020,
corporate plan BRI BRIVOLUTION 2.0 dimana Bank ditunjuk the Bank planned a digital transformation which is realized
sebagai digital attacker BRI Group, maka pada tahun 2020 through three pillars of transformation, namely digital,
Bank sudah merencanakan melakukan transformasi digital digitize, and revamp. Subsequent to this transformation,
yang diwujudkan melalui tiga pilar transformasi yaitu digital, the Bank changed its name to align with its new vision and
digitize dan revamp. Selain mengubah arah transformasi mission.
perusahaan, Bank juga mengubah nama agar sejalan dengan
visi misi yang baru.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Saat ini Bank telah mencanangkan aspirasi baru yaitu “The The Bank has just unveiled a new objective to become “The
Best Digital Bank by Becoming House of Fintech & Home Best Digital Bank by Becoming House of Fintech & Home
for Gig Economy”. Dengan aspirasi ini, maka Bank akan for Gig Economy.” With this goal in mind, the Bank will
bertransformasi dalam segala hal antara lain aspek Human undergo a complete transformation, affecting all facets
Capital, Network, Infrastructure, Model Bisnis, Produk of its operations, including its human capital, network,
dan Layanan, serta Portofolio Kredit baik dalam hal ticket infrastructure, business models, products, and services,
size maupun kualitas kredit. Bank berkomitmen untuk as well as loan portfolio’s ticket size and quality. The Bank
membangun fondasi keuangan yang kuat untuk business is committed to creating a solid financial basis for a new
model yang baru dan fokus untuk menyalurkan pendanaan business model to channel digital-based finance to new
berbasis digital kepada segmen pasar yang baru, terutama market sectors, particularly the Gig Economy segment.
segmen Gig Economy.
Pada tanggal 27 September 2021, RUPS menyetujui The GMS on September 27, 2021 approved the Bank’s name
perubahan nama Bank menjadi PT Bank Raya Indonesia Tbk change to PT Bank Raya Indonesia Tbk. The GMS also
dan telah mendapatkan Penetapan Penggunaan Izin Usaha obtained Decision on Use of Business License on Behalf of
atas nama PT Bank Rakyat Indonesia Agroniaga Tbk menjadi PT Bank Rakyat Indonesia Agroniaga Tbk to Become Business
izin usaha atas nama PT Bank Raya Indonesia Tbk dengan License on Behalf of PT Bank Raya Indonesia Tbk along with a
Salinan Keputusan Deputi Komisioner Pengawas Perbankan copy of the Decision of the Deputy Commissioner for Banking
I OJK No. Kep-65/PB.1/2021 tanggal 1 November 2021 melalui Supervision I OJK No. Kep-65/PB.1/2021. Additionally, the
Surat No. S 426/PB.12/2021 tanggal 5 November 2021. Selain OJK approved the Bank’s change of logo in Letter No. S-250/
itu, Bank telah menerima persetujuan atas perubahan logo PB.31/2021 dated November 9, 2021 on Approval for Changes
dari OJK melalui Surat No. S-250/PB.31/2021 tanggal 9 to Bank Logo.
November 2021 perihal Persetujuan Perubahan Logo Bank.
Untuk memperkuat positioning sebagai bank digital bagian To strengthen its position as a digital bank of the BRI Group,
dari BRI Group, maka pada 1 November 2023 Bank Raya on November 1 2023 Bank Raya has effectively implemented
telah efektif menggunakan logo baru sebagai corporate a new logo as a corporate identity by adding the “Bank” and
identity dengan menambahkan kata “Bank” dan “BRI Group” “BRI Group” to its logo. Changes to the new Bank Raya logo are
pada logonya. Perubahan logo baru Bank Raya sebagaimana stated in OJK Letter No. S-83/PB.212.2023 dated November
tercantum pada Surat OJK No. S-83/PB.212.2023 tanggal 1 1, 2023 on Plan to Change the Logo of PT Bank Raya Indonesia
November 2023 perihal Rencana Perubahan Logo PT Bank Tbk.
Raya Indonesia Tbk.
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2003 2021
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LOGO PERUSAHAAN
z COMPANY LOGO
Sejalan dengan perubahan nama Bank di tahun 2021, logo In line with the Bank’s name change in 2021, the Bank Raya
Bank Raya juga disesuaikan dengan nama, karakter dan logo has also been modified to the name, character and
target bisnis, filosofi Bank dan tujuan yang hendak dicapai business targets, philosophy and desired outcomes of the
Bank. Perubahan logo Bank Raya juga telah mendapatkan Bank. Bank Raya’s logo change has also received approval
persetujuan dari OJK melalui Surat No. S-250/PB.31/2021 from the OJK through Letter No. S-250/PB.31/2021 dated
tanggal 9 November 2021 perihal Persetujuan Perubahan November 9, 2021 on Approval of Changes to the Bank Logo.
Logo Bank.
Nama kami adalah tujuan kami – Banyak hal positif Our name is our goal – Raya can be interpreted as various
mengandung kata Raya. Semua bermuara pada rasa syukur positive subjects. It all comes down to gratitude and joy of
dan suka cita, apa pun bentuknya. Itulah alasan kami any form it might take. This is why we use the term “Raya”, for
menggunakan kata “Raya”, agar kamu ikut serta dalam you to take part in this joyful journey.
kebahagiaan ini.
Logo merupakan penguatan branding Bank Raya yang This logo strengthens Bank Raya’s branding, emphasizing its
menegaskan sebagai bank digital bagian dari BRI Group. position as a digital bank part of the BRI Group.
86 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
BELIEF
prinsip-prinsip yang diyakini oleh insan
BRILiaN dalam bersikap dan berperilaku
/ principles of BRILiaN people in acting
and behaving
BRILiaN
PERFORMANCES DRIVEN
BEHAVIOURS
Perilaku utama Insan BRILiaN untuk
mendukung pencapaian kinerja terbaik
(performance driven behaviour) / Key
BRILiaN Ways
behavior of BRILiaN personnel for best
performance through performance-
driven behavior
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 87
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Program Budaya Kerja Bank Raya Indonesia adalah alat The Bank Raya Indonesia Corporate Culture Program
yang digunakan untuk mengkomunikasi implementasi serves as a mean to communicate the implementation of
Budaya Kerja Bank Raya Indonesia. Bank Raya Indonesia’s Work Culture
AMANAH
TRUSTWORTHY
Definisi / Definition Panduan Perilaku / Behavioral Guidelines
Memegang teguh kepercayaan yang diberikan / 1. Memenuhi janji dan komitmen / Fulfill promises and commitments
Uphold the trust given 2. Bertanggung jawab atas tugas, keputusan & tindakan yang
dilakukan / Be responsible for duties, decisions & actions taken
3. Berpegang teguh kepada nilai moral & etika / Adhere to moral &
ethical values
KOMPETEN
COMPETENT
Definisi / Definition Panduan Perilaku / Behavioral Guidelines
Terus belajar dan mengembangkan kapabilitas / 1. Meningkatkan kompetensi diri untuk menjawab tantangan yang
Continue to learn and develop capabilities selalu berubah / Increase personal competence in responding to
ever-changing challenges
2. Membantu orang belajar / Help others learn
3. Menyelesaikan tugas dengan kualitas terbaik / Complete duties with
the best quality
HARMONIS
HARMONIOUS
Definisi / Definition Panduan Perilaku / Behavioral Guidelines
Saling peduli dan menghargai perbedaan / Care 1. Menghargai setiap orang apapun latar belakangnya / Respect
for each other and respect differences everyone regardless of background
2. Suka menolong orang lain / Keen to help others
3. Membangun lingkungan kerja yang kondusif / Establish conducive
work environment
88 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
LOYAL
LOYAL
Definisi / Definition Panduan Perilaku / Behavioral Guidelines
Berdedikasi dan mengutamakan kepentingan 1. Menjaga nama baik sesama karyawan, pimpinan, BUMN & Negara /
Bangsa dan Negara / Be dedicated and Maintain the good name of fellow employees, leaders, SOE & the State
prioritizing the interests of the Nation and State 2. Rela berkorban untuk untuk mencapai tujuan yang lebih besar / Be
willing to make sacrifices to achieve greater goals
3. Patuh kepada pimpinan sepanjang tidak bertentangan dengan hukum
& etika / Obey the leadership as long as it does not conflict with law
& ethics
ADAPTIF
ADAPTIVE
Definisi / Definition Panduan Perilaku / Behavioral Guidelines
Terus berinovasi dan antusias dalam 1. Cepat menyesuaikan diri untuk menjadi lebih baik / Quickly adapt to
menggerakkan ataupun menghadapi perubahan get better
/ Continue to innovate and be enthusiastic in 2. Terus-menerus melakukan perbaikan mengikuti perkembangan
driving or facing change teknologi / Continuously make improvements following
technological developments
3. Bertindak proaktif / Act proactively
KOLABORATIF
COLLABORATIVE
Definisi / Definition Panduan Perilaku / Behavioral Guidelines
Membangun kerja sama yang sinergis / Build 1. Memberi kesempatan kepada berbagai pihak untuk berkontribusi /
synergistic cooperation Provide opportunities for various parties to contribute
2. Terbuka dalam bekerja sama untuk menghasilkan nilai tambah /
Open to working together to produce added value
3. Menggerakkan pemanfaatan berbagai sumber daya untuk tujuan
bersama / Mobilize the utilization of various resources for common
goals
Program Budaya Kerja Bank Raya Indonesia adalah alat yang Bank Raya Indonesia’s corporate culture serves as a mean
digunakan untuk mengkomunikasi implementasi Budaya to communicate and implement Bank Raya Indonesia’s
Kerja Bank Raya Indonesia. corporate culture
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 89
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
ARSITEKTUR TATA KELOLA BUDAYA KERJA BANK RAYA BANK RAYA CORPORATE CULTURE GOVERNANCE
(BRI ONE CULTURE) ARCHITECTURE (BRI ONE CULTURE)
1. Arsitektur BRI One Culture terdiri dari 3 elemen utama 1. The BRI One Culture architecture consists of 3 main
yakni perilaku (behaviour), simbol (symbol), dan sistem elements, namely behavior, symbols and systems:
(system):
a. Perilaku (Behaviour) a. Behavior
Pengelolaan budaya kerja bertujuan untuk Corporate culture management aims to shape the
membentuk sikap perilaku setiap Insan BRILiaN behavioral attitudes of every BRILian employee in
sesuai dengan nilai-nilai pokok BRI One Culture. accordance with the main values of BRI One Culture.
• Keteladanan Culture Leader • Culture Leader Role Model
• Culture Ranger Coordinator & CR Forum (Sapa CR) • Culture Ranger Coordinator & CR Forum (Sapa CR)
• 9 BRILiaN Ways Raya • 9 BRILiaN Ways Raya
b. Simbol (Symbol). b. Symbol
Penggunaan simbol budaya kerja bertujuan The corporate culture symbol aims to streamline the
untuk mengefektifkan proses internalisasi dan process of internalization and externalization of the
eksternalisasi nilai-nilai pokok budaya kerja melalui key values of corporate culture through the use of
penggunaan media atau sarana komunikasi. media or communication facilities.
• Community Based • Community Based
• Culture Activation Program • Culture Activation Program
• Program Komunikasi • Communication Program
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PROFIL PERUSAHAAN
Company Profile group
| Komp
ah et
an e
m
n
A
| H
oratif |
BRI ONE
armonis
CULTURE
olab
|
K
Lo
yal |
| Adaptif
Simbol Sistem
(Symbol) (System)
Penggunaan simbol budaya kerja bertujuan Penggunaan simbol budaya kerja bertujuan
untuk mengefektifkan proses internalisasi untuk mengukur implementasi budaya kerja
dan eksternalisasi nilai-nilai pokok budaya dengan menggunakan pola aturan tertentu
kerja melalui penggunaan media atau / The use of work culture symbol aims to
sarana komunikasi / The Corporate culture measure the implementation of work culture
symbol aims to streamline the process of using certain patterns of rules
internalization and externalization of the core
values of corporate culture through the use of • Mekanisme Kerja / Work Mechanism
media or communication facilities • Culture Leader & Culture Agent
• Rewards & Recognition System
• Community Based • Indikator & Alat Ukur Budaya Kerja /
• Culture Activation Program Corporate Culture Indicators & Measuring
• Program Komunikasi / Communication Tools
Program
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sesuai dengan Anggaran Dasar Perusahaan tanggal Akta The Company’s Articles of Association dated Deed of Meeting
Pernyataan Keputusan Rapat No. 18 tanggal 27 April 2021, Resolution No. 18 dated April 27, 2021, article 3 paragraph 1
pasal 3 ayat 1 dijelaskan mengenai maksud dan tujuan describes the aims and objectives of the Company, namely to
pendirian Perusahaan adalah untuk menjalankan kegiatan run business in the Commercial Bank sector.
usaha dalam bidang Bank Umum.
92 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
BIDANG USAHA
z LINE OF BUSINESS
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 93
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
BIDANG USAHA
z LINE OF BUSINESS
Virtual Account
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PROFIL PERUSAHAAN
Company Profile group
BIDANG USAHA
z LINE OF BUSINESS
connect
Fasilitas pinjaman/Kredit Channeling yang diberikan ke end Credit Channeling facility for end users through Fintech / P2P
user melalui partner Fintech P2P Lending yang telah bekerja partners Lending that has collaborated with Bank Raya.
sama dengan Bank Raya.
maksima
Fitur: Feature:
1. Penyaluran digital loan berbasis channeling melalui 1. Distribution of digital loan through channeling with
partner Fintech. Fintech partner.
2. Fasilitas Kredit channelling tersedia untuk memenuhi 2. Credit channeling for productive or consumptive Fintech
connect
market Fintech baik produktif maupun konsumtif. market.
maksima
flexi
Fasilitas Pinjaman Kredit Produktif yang diberikan untuk Productive Credit Lending Facility for debtors with
debitur dengan usaha produktif pada segmen SME berbasis productive businesses in the SME segment based on a
flexi Extra
ekosistem partnership. Pinang Maksima memiliki layanan partnership ecosystem. Pinang Maksima has working capital
performa
kredit modal kerja dengan skema kredit Pre Financing / AP loan services with a Pre Financing / AP Financing loan
Financing (Pre Financing untuk Pembiayaan Proyek dan kredit scheme (Pre Financing for Project Financing and distributor
modal kerja distributor untuk pembelian) serta Kredit Modal working capital loan for purchases) as well as Post Financing
Kerja Post Financing / AR Financing. / AR Financing Working Capital Loan.
Fitur: Features:
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 95
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
BIDANG USAHA
z LINE OF BUSINESS connect
4. Pembiayaan Group Usaha BRI, Non Group Usaha BRI , 4. Financing for BRI Business Group, Non-BRI Business
Pola Kerjasama dengan Principal, dan Pola Mandiri (Non Group, Collaboration Pattern with Principal, and
Kerjasama dengan Prinsipal)
maksima Independent Pattern (Non Collaboration with Principal)
Plafon : di atas Rp100 juta s.d Rp10 miliar. Ticket Size : above Rp100 million to Rp10 billion.
Tenor : 12 bulan. Tenor : 12 months.
performa
Pinjaman berbasis digital yang fokus pada pembiayaan Digital-based lending that focuses on financing productive
sektor usaha produktif yang tergabung dalam ekosistem business sectors that are members of the Bank Raya
flexi
Partnership Bank Raya. Pinang Performa memiliki 3 skema
produk, yaitu Pinang Performa, Pinang Performa Pro dan
Partnership ecosystem. Pinang Performa has 3 product
schemes, namely Pinang Performa, Pinang Performa Pro and
Merchant Financing. Merchant Financing.
2
Tujuan Penggunaan /
Purpose
flexi Extra
KMK dan KI / KMK and KI KMK dan KI / KMK and KI KMK
dana talangan
Fitur: Feature:
1. Diproses secara digital dengan SLA 2 hari kerja s.d. 1. Processed digitally with an SLA of 2 working days to.
pencairan untuk Performa dan Performa Pro serta disbursement for Performa and Performa Pro and
15 menit end to end digital process untuk Merchant 15 minutes end to end digital process for Merchant
Financing. Financing.
2. Kemudahan persyaratan pinjaman. 2. Ease of loan terms
3. Fleksibilitas model angsuran antara lain Angsuran Tetap 3. Flexibility of the installment model includes Fixed
Bulanan/Musiman/Invoice/PO. Monthly/Seasonal/invoice/PO Installments
4. Menyediakan Kredit Modal Kerja dan Kredit Investasi. 4. Providing Working Capital Credit and Investment Credit.
96 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
performa PROFIL PERUSAHAAN
Company Profile group
BIDANG USAHA
flexi z LINE OF BUSINESS
Fasilitas pinjaman konsumtif berbasis Digital untuk Nasabah Digital-based consumer lending facility for Bank Raya and
Bank Raya dan BRI yang dapat diakses kapan pun dan di mana BRI customers that can be accessed anytime and anywhere
flexi Extra
pun melalui aplikasi Pinang atau aplikasi mitra/partner yang through the Pinang application or partner applications that
telah terintegrasi dengan Pinang Flexi. have been integrated with Pinang Flexi.
connect
Fitur: Feature:
1. Proses cepat (15 menit). 1. Fast process (15 minutes)
2. Kemudahan persyaratan pinjaman. 2. Ease of loan terms
3. Tanpa agunan, biaya administrasi dan Provisi. 3. No collateral, administrative costs and fees
dana talangan
4. Aman. Menggunakan liveness detection, e-KYC dan digital 4. Safe. Using liveness detection, e-KYC and digital
signature. signatures.
5. Pembayaran otomatis melalui autodebet. maksima 5. Automatic payment via auto debit
6. Dapat diintegrasikan pada aplikasi partner. 6. Ability to be integrated into partner applications
7 Agunan / Collateral
flexi
Tanpa Agunan / No Collateral
flexi Extra
Pinang Flexi Extra merupakan produk kredit karyawan tetap Pinang Flexi Extra is a permanent employee loan (KRETAP),
(KRETAP), sebuah produk fasilitas pinjaman multiguna untuk multipurpose loan for fixed income groups with a payroll at
golongan berpenghasilan tetap yang berpayroll di Bank Raya Bank Raya which can be applied for via the Bank Raya website.
yang dapat diajukan melalui website Bank Raya.
dana talangan
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 97
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
maksima
BIDANG USAHA
z LINE OF BUSINESS
1 Jenis Kredit / Loan Type Non Revolving (Sekali pencairan di depan / one-time payment up front)
7
Tingkat suku bunga / Interest rate
Agunan / Collateral
flexi Extra
Mengikuti suku bunga ALCO yang berlaku / In accordance with ALCO interest rate
> Rp250 juta menggunakan agunan / > Rp250 million using collateral
dana talangan
Merupakan pinjaman produktif berbasis digital untuk Digital-based productive lending for businesses requiring
melayani bisnis kebutuhan dana talangan jangka pendek short-term bailout funds (max. 30 days) for agency/merchant/
(maks. 30 hari) untuk usaha keagenan/merchant/POS/ PPOB POS/PPOB businesses which are disbursed directly through
yang disalurkan secara langsung melalui aplikasi mitra/ partner/partner applications integrated with Pinang Dana
partner yang terintegrasi dengan Pinang Dana Talangan. Talangan.
Fitur: Feature:
1. Tanpa agunan. 1. No collateral.
2. Non Revolving. 2. Non-Revolving.
3. Validasi otomatis menggunakan liveness detection, Face 3. Automatic validation using liveness detection, Face
Recognition dan digital signature. Recognition and digital signature.
4. Pencairan langsung ke rekening operasional agen/ 4. Direct disbursement to the agent/debtor’s operational
debitur. account.
5. Terintegrasi dengan aplikasi mitra/partner. 5. Integrated with partner/partner applications.
6. Tidak dikenakan denda untuk pelunasan maju. 6. No fines for advanced repayment.
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PROFIL PERUSAHAAN
BIDANG USAHA
flexi Extra z LINE OF BUSINESS
7. Terdapat fitur pembayaran otomatis dengan autodebet. 7. Automatic payment feature with autodebit.
8. Dapat mengajukan kembali langsung setelah pelunasan. 8. Ability to re-apply directly after payment.
dana
Plafon talangan
: maksimal Rp50 juta. Ticket Size : maximum Rp50 million.
Tenor : Harian, maksimal 30 hari. Tenor : Daily, maximum 30 days.
Aplikasi Bank Raya (Digital Saving & Payment) Bank Raya Application (Digital Saving & Payment)
Aplikasi Bank Raya merupakan platform yang menjadi flagship The Bank Raya application is a flagship channel for Bank
channel dari produk digital Bank Raya khususnya tabungan Raya’s digital products especially digital savings and othe
digital dan fitur-fitur transaksi serta pembayaran. Aplikasi transaction and payment features. The Bank Raya application
Bank Raya dapat diunduh dan diakses melalui perangkat can be downloaded and accessed via smartphones with
pintar (smartphone) dengan sistem operasi Android maupun Android or iOS operating systems.
iOS.
Fitur: Features:
1. Pembukaan rekening langsung di smartphone melalui 1. Register for an account directly on your smartphone via
aplikasi Raya atau melalui website bukatabungan. the Raya application or via the bukatabungan.bankraya.
bankraya.co.id co.id website
2. Terdapat fitur gamifikasi / loyalty berupa challenge dalam 2. Gamification/loyalty feature in the form of challenges
bertransaksi di Bank Raya. Nasabah dapat mendapatkan in transactions at Bank Raya. Customers can win prizes
hadiah seperti potongan biaya, voucher gratis transaksi such as fee discounts, free transaction vouchers, etc.
dan sebagainya.
3. Tabungan digital dengan berbagai fitur saku untuk 3. Digital savings with various pocket (saku) features for
berbagai kebutuhan: various needs:
a. Saku Utama a. Saku Utama
Merupakan rekening digital yang akan menjadi saku A digital account as the customer’s main pocket for
utama nasabah untuk bertransaksi di Aplikasi Bank transactions on the Bank Raya Application. Saku
Raya. Saku utama menawarkan bunga 0.5%. Utama offers 0.5% interest rate.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 99
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
BIDANG USAHA
z LINE OF BUSINESS
Saku Pintar
0 Tahun / Years 0%
Saldo / Balance Bunga / Interest Rate Jangka Waktu / Term Bunga / Interest Rate
100 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
BIDANG USAHA
z LINE OF BUSINESS
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 101
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jaringan kerja Perseroan terbesar hingga akhir tahun 2023 As of the end of 2023, the Company’s business network span
tersebar di sejumlah kota tier 1 dan 2 di Indonesia. Untuk across several tier 1 and 2 cities in Indonesia. In strengthening
memperkuat kinerja, Perseroan melakukan terobosan its performance, the Company made a breakthrough by
dengan menginisiasi community branch untuk melayani initiating a community branch to serve the gig economy and
komunitas ekonomi sektor informal (gig economy) dan agen- fintech agents in the development of digital infrastructure
agen fintech guna membangun infrastruktur digital melalui through comprehensive customer experience. Community
customer experience yang koheren. Community branch branche function as a hub for gig workers and tutorial for
berfungsi sebagai titik akses untuk gig workers dan sebagai online banking, and source of acquisition for supply chain
sarana edukasi untuk digital banking services, serta berfungsi and community-based loans. Additionally, community
juga sebagai akuisisi untuk community-based/supply chain branch provides beyond solution by acting as an intermediary
lending. Selain itu, community branch ini difungsikan untuk between the demands of suppliers and merchants in creating
menyediakan beyond solution dengan menjadi agregator a business environment with continuous support from Bank
atau penghubung antara kebutuhan merchant dan supplier Raya.
sehingga menjadi sebuah ekosistem bisnis yang dapat terus
didukung oleh Bank Raya.
Hingga akhir tahun 2023 terdapat 2 (dua) Community Branch As of the end of 2023, the Bank inaugurated 2 (two) Community
yang telah dibuka yaitu CB Denpasar dan CB Palembang serta Branches (CB), namely CB Denpasar and CB Palembang as
1 (satu) Community Branch yang direlokasi dan berubah nama well as relocated and changed the name of 1 (one) CB, namely
yaitu CB Purworejo menjadi CB Yogyakarta. Sedangkan 3 CB Purworejo to CB Yogyakarta. Meanwhile, 3 (three) Branch
(tiga) Kantor Cabang dilakukan repurpose menjadi Community Offices were repurposed into Community Branches. Thus,
Branch.Sehingga total terdapat 13 (tiga belas) Community the Bank had a total of 13 (thirteen) Community Branches and
Branch dan 12 (dua belas) Existing Branch. 12 (twelve) Existing Branches.
Tabel berikut menjabarkan jaringan kantor Bank Raya dalam Bank Raya’s office network in the last 5 (five) years can be
5 (lima) tahun terakhir: seen in the following table:
Community Branch 13 10 2 - -
E-Buzz 0 1 1 1 1
Jumlah / Total 26 33 29 44 44
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PROFIL PERUSAHAAN
Company Profile group
WILAYAH OPERASIONAL
z OPERATIONAL AREA
Daftar Alamat Unit Kerja Bank Raya 2023 List of Bank Raya Work Unit Addresses in 2023
Kode
Nama Kantor / Alamat / No. Telp /
No. Pos / Zip
Office Name Address Phone No.
Code
Gedung Menara BRILiaN, Lantai 20, Jalan Gatot Subroto No. 177A,
1. Kantor Pusat Non Operasional 12870 (021) 50931300
Jakarta Selatan, DKI Jakarta
2. KC Utama Jakarta Gedung Menara BRILiaN, Lantai 2, Jalan Gatot Subroto No. 177A 12870 (021) 22908869
3. KC Warung Jati Gedung Bank RAYA. Jl. Warung Jati Barat No 139 Jakarta Selatan 12740 021 80667667
4. KC Lampung Jl. R. Intan No. 104 B & C, Tanjung Karang 35117 (0721) 266363
7. CB Medan Jl. Iskandar Muda Ruko Primier No.10, Medan 20154 (061) 4520401
10. CB Semarang Jl. MT. Haryono No.970, Ruko Metro Plaza A-2 50249 (024) 8416961
11. CB Solo Jl. Veteran No. 140, Serengan 57153 (0271) 2936699
12. CB Cirebon Jl. R. Dewi Sartika No. 188 45611 (0231) 5420991
16. CB Lamongan Jl. Panglima Sudirman Ruko Permata Kav. No.19 62211 (0322) 3106739
Ruko Arcade Blok D No. 5, Jl Raya Puputan, Desa Sumerta Kelod
17. CB Denpasar 80235 (0361) 2108001
Kec. Denpasar Timur, Kota Denpasar
Jl. Kolonel H. Burlian No. 1458 A-B, Suka Bangun, Kec. Sukarami,
18. CB Palembang 30151 0711 5278010
Kota Palembang, Sumatera Selatan
19. KCP Bekasi Jl. Ir. Juanda, Kav. Blok A4 No.3 17410 (021) 8866178
20. KCP Kasikan Jl. Raya Kasikan, Desa Kasikan, Dusun 4, Kampar 28464 (0762) 7363550
21. KCP Lubuk Dalam Jl. Pertamina Desa Lubuk Dalam 28654 (0761) 7878065
22. KCP Ujung Batu Jl. Sudirman No.100, Ujung Batu, Rokan Hulu 28464 (0762) 7363557
23. KCP Airmolek Jl. Jend. Sudirman Air Molek 1, Kec. Pasir Penyu 29352 (0769) 4442407
24. KCP Sidoarjo Jl. H. Sunandar Priyo Sudarmo 61271 (031) 8069252
26. KK Teluk Sono Jl. Desa Teluk Sono, Kec. Bonai Darusalam 28559 (0762) 7363557
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Untuk mendukung kegiatan usaha Perusahaan, Bank Raya Bank Raya’s business activities is supported by a number
melibatkan sejumlah pemasok barang maupun jasa untuk of suppliers of goods and services to meet its operational
memenuhi kebutuhan operasional Bank. Sebagai upaya needs. In supporting national economic growth, Bank Raya
mendukung pertumbuhan ekonomi nasional, Bank Raya collaborates with local suppliers, namely parties domiciled
bekerja sama dengan pemasok lokal. Adapun pemasok lokal and operated in Indonesia. While working mostly with
yang dimaksud adalah pihak-pihak yang berdomisili dan local suppliers, Bank Raya also collaborates with overseas
menjalankan usahanya di Indonesia. Di samping itu, Bank suppliers. Details on the number of suppliers and its contract
Raya juga bekerja sama dengan pemasok luar negeri. Berikut values in 2021-2023 are as follows:
jumlah pemasok dan nilai kontraknya pada tahun 2021-2023
adalah sebagai berikut:
Untuk memperkuat eksistensi Perusahaan sekaligus As an effort to strengthen its existence and to obtain the
memperoleh informasi terkini mengenai perkembangan latest information on developments in the banking industry,
industri perbankan, Bank Raya bergabung dalam sejumlah Bank Raya is registered in the following associations:
asosiasi sebagai berikut:
3. ASPI: Asosiasi Sistem Pembayaran Indonesia / Indonesia Payment System Association Anggota / Member
4. LAPS: Lembaga Alternatif Penyelesaian Sengketa / Alternative Settlement Institution Anggota / Member
5. AEI: Asosiasi Emiten Indonesia / Indonesian Public Listed Companies Association Anggota / Member
FKDKP: Forum Komunikasi Direktur Kepatuhan Perbankan / Communication Forum for Banking
6. Anggota / Member
Compliance Director
7. AFTECH: Asosiasi Fintech Indonesia / Indonesia Fintech Association Anggota / Member
104 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
Untuk memperkuat positioning sebagai bank digital bagian To strengthen its position as a digital bank part of the BRI
dari BRI Group, maka pada 1 November 2023 Bank Raya Group, Bank Raya has effectively used a new logo as a
telah efektif menggunakan logo baru sebagai corporate corporate identity by adding the words “Bank” and “BRI Group”
identity dengan menambahkan kata “Bank” dan “BRI Group” to its logo as of November 1, 2023. Changes to the new Bank
pada logonya. Perubahan logo baru Bank Raya sebagaimana Raya logo is stated in OJK Letter No. S-83/PB.212.2023 dated
tercantum pada Surat OJK No. S-83/PB.212.2023 tanggal 1 November 1, 2023 on Plan to Change the Logo of PT Bank
November 2023 perihal Rencana Perubahan Logo PT Bank Raya Indonesia Tbk.
Raya Indonesia Tbk.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 105
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
STRUKTUR ORGANISASI
z ORGANIZATIONAL STRUCTURE
Perusahaan telah menetapkan struktur organisasi Bank Bank Raya’s organizational structure refers to the Board of
Raya berdasarkan Surat Keputusan Direksi No. Kpts B.206/ Directors Decree No. Kpts B.206/Dir.01.05/CMG/06/2022
Dir.01.05/CMG/06/2022 tanggal 6 Juni 2022 tentang dated June 6, 2022 on Reestablishment of the Organizational
Penetapan Kembali Struktur Organisasi PT Bank Raya Structure of PT Bank Raya Indonesia Tbk.
Indonesia Tbk.
RUPS
GMS
Komisaris
Board of Commissioner
Direktur Utama
President Director
Direktur Digital & Operasional Direktur Retail Agri & Pendanaan Direktur Keuangan
Director of Digital & Operations Director of Retail Agri & Funding Director of Finance
Divisi Digital Operation Divisi Funding Management Divisi Finance & Asset Mgmt.
Divisi Digital Sales & Partnership Divisi Legacy Portfolio Mgmt. Divisi Treasury
Divisi Regional Business Office Divisi Recovery & Remedy Divisi Change Management
106 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
STRUKTUR ORGANISASI
z ORGANIZATIONAL STRUCTURE
Danar Widyantoro
SEVP IT
Lukman Hakim
Divisi Enterprise Risk Mgmt. Divisi IT Infrastructure & Divisi Corporate Secretary
Operations Excellence
Shinta Rachmawati Muhammad Fahry Ajeng Putri Hapsari
Anggia Agrimiradj
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tahun 2023, komposisi Dewan Komisaris Bank Raya In 2023, there were changes in Bank Raya’s Board of
mengalami perubahan sesuai keputusan Rapat Umum Commissioners composition in accordance with the
Pemegang Saham Tahunan yang diselenggarakan pada resolution of the Annual General Meeting of Shareholders
10 Mei 2023 yang memberhentikan dengan hormat Rudhy held on May 10, 2023 which honorably dismissed Rudhy
Sidharta sebagai Komisaris Utama Bank Raya dan Rama G. Sidharta as President Commissioner of Bank Raya and Rama
Notowidigdo sebagai Komisaris Independen. RUPS Tahunan G. Notowidigdo as Independent Commissioner. The Annual
juga mengangkat Muhamad Sidik Heruwibowo sebagai GMS also appointed Muhamad Sidik Heruwibowo as President
Komisaris Utama Bank Raya dan Retno Wahyuni Wijayanti Commissioner of Bank Raya and Retno Wahyuni Wijayanti as
sebagai Komisaris Independen. Independent Commissioner.
Komposisi Dewan Komisaris Bank Raya kembali mengalami Bank Raya’s Board of Commissioners then went through
perubahan sesuai keputusan RUPS Luar Biasa yang another change in accordance with the Extraordinary GMS
diselenggarakan pada 3 Oktober 2023 yang memberhentikan resolution on October 3 2023 which dismissed Rina Sa’adah
Rina Sa’adah sebagai Komisaris Independen dan mengangkat as Independent Commissioner and appointed Johanes
Johanes Kuntjoro Adisardjono sebagai Komisaris Kuntjoro Adisardjono as Independent Commissioner.
Independen.
108 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
MUHAMAD SIDIK
HERUWIBOWO
Komisaris Utama
President Commissioner
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 109
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
EKO B.
SUPRIYANTO
Komisaris Independen
Independent Commissioner
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PROFIL PERUSAHAAN
Company Profile group
ACHMAD F. C.
BARIR
Komisaris
Commissioner
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
RETNO WAHYUNI
WIJAYANTI
Komisaris Independen
Independent Commissioner
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PROFIL PERUSAHAAN
Company Profile group
JOHANES KUNTJORO
ADISARDJONO
Komisaris Independen
Independent Commissioner
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 113
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PROFIL DIREKSI
z BOARD OF DIRECTORS PROFILE
Tahun 2023, komposisi Direksi Bank Raya mengalami In 2023, there were changes in Bank Raya’s Board of Directors
perubahan sesuai keputusan Rapat Umum Pemegang Saham composition in accordance with the resolution of the Annual
Tahunan yang diselenggarakan pada 10 Mei 2023 yang General Meeting of Shareholders dated May 10, 2023 which
memberhentikan dengan hormat Ernawan sebagai Direktur honorably dismissed Ernawan as Director of Enterprise
Enterprise Risk Management, Compliance & Human Resources Risk Management, Compliance & Human Resources and
dan Akhmad Fazri sebagai Direktur Keuangan. RUPS Tahunan Akhmad Fazri as Director of Finance. The Annual GMS also
juga mengangkat Danar Widyantoro sebagai Direktur appointed Danar Widyantoro as Director of Enterprise Risk
Enterprise Risk Management, Compliance & Human Resources Management, Compliance & Human Resources and Rustarti
dan Rustarti Suri Pertiwi sebagai Direktur Keuangan. Suri Pertiwi as Director of Finance.
114 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
PROFIL DIREKSI
z BOARD OF DIRECTORS PROFILE
IDA BAGUS
KETUT SUBAGIA
Direktur Utama
President Director
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PROFIL DIREKSI
z BOARD OF DIRECTORS PROFILE
DEDY
HENDRIANTO
Direktur Retail Agri & Pendanaan
Director of Retail Agri and Funding
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PROFIL PERUSAHAAN
Company Profile group
PROFIL DIREKSI
z BOARD OF DIRECTORS PROFILE
BHIMO WIKAN
HANTORO
Direktur Digital dan Operasional
Director of Digital and Operations
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PROFIL DIREKSI
z BOARD OF DIRECTORS PROFILE
DANAR
WIDYANTORO
Direktur Enterprise Risk Management, Compliance
and Human Resource
Director of Enterprise Risk Management,
Compliance and Human Resource
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PROFIL PERUSAHAAN
Company Profile group
PROFIL DIREKSI
z BOARD OF DIRECTORS PROFILE
RUSTARTI SURI
PERTIWI
Direktur Keuangan
Director of Finance
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LUKMAN
HAKIM
SEVP IT
SEVP IT
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PROFIL PERUSAHAAN
Company Profile group
ASEP IKHSAN
ISKANDAR
Kepala Divisi Human Capital
Head of Human Capital Division
MUHAMMAD
FAUZI
Kepala SKAI
SKAI Head
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
AJENG PUTRI
HAPSARI
Kepala Divisi Corporate Secretary
Head of Corporate Secretary Division
RIRIN
WIDYANI
Kepala Divisi Digital Product Development
Head of Digital Product Development Division
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PROFIL PERUSAHAAN
Company Profile group
PRILLY
SAVITRI
Kepala Divisi Digital Sales & Partnership
Head of Digital Sales & Partnership Division
ACHMAD FURQAN
IDRUS
Kepala Divisi Digital Operation
Head of Digital Operations Division
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
ICHSAN ALDIAN
SYAMSUL
Kepala Divisi Regional Business Office
Head of Regional Business Office Division
LILIK
HERYATI
Kepala Divisi Funding Management
Head of Funding Management Division
124 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
EKA
PUSPITASARI
Kepala Divisi Legacy Portfolio Management
Head of Legacy Portfolio Management Division
AGUNG SATYA
NAGARA
Kepala Divisi Recovery & Remedi
Head of Recovery & Remedy Division
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
AYUNINGTYAS
ALAMSYAH
Kepala Desk Credit Risk Analysis
Head of Credit Risk Analysis Desk
WITRA
PRIYANGGA
Kepala Divisi Change Management
Head of Change Management Division
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PROFIL PERUSAHAAN
Company Profile group
POPPY
LINDASARI
Kepala Divisi Finance & Asset Management
Head of Finance & Asset Management Division
DIAN PANCA
PERMATA SARI
Kepala Divisi Treasury
Head of Treasury Division
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 127
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
SHINTA
RACHMAWATI
Kepala Divisi Enterprise Risk Management
Head of Enterprise Risk Management Division
AMBAR RUKMI
YUSMAWATI
Kepala Divisi Legal & Compliance
Head of Legal & Compliance Division
128 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
LESTARI
CHAIRANI
Kepala Divisi Credit Operation
Head of Credit Operations Division
ANGGIA
AGRIMIRADJ
Kepala Desk Procedure & Policy
Head of Procedure & Policy Desk
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 129
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
MUCHAMAD SURYA
PRASETYO
Kepala Divisi Application Development, Architecture & Governance
Head of Application Development, Architecture & Governance Division
MUHAMMAD
FAHRY
Kepala Divisi IT Infrastructure & Operation Excellence
Head of IT Infrastructure & Operation Excellence Division
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PROFIL PERUSAHAAN
Company Profile group
IVO
JULISTIRA
Kepala Divisi Big Data
Head of Big Data Division
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 131
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Per 31 Desember 2023, Bank Raya memiliki karyawan As of December 31, 2023, Bank Raya had 927 employees,
sebanyak 927 orang. Jumlah tersebut mengalami penurunan a decrease compared to that of 2022 at 1,010 employees.
bila dibandingkan tahun 2022 yang mencapai 1.010 orang.
Komposisi Karyawan Berdasarkan Usia dan Generasi Employee Composition by Age and Generation
Status Karyawan / Employment Status 2023 2022
D2 / Associate Degree 0 0
D3 / Associate Degree 81 97
S2 / Master’s Degree 52 51
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PROFIL PERUSAHAAN
Company Profile group
DEMOGRAFI KARYAWAN
z EMPLOYEE DEMOGRAPHICS
SEVP 1 0
Supervisor 31 40
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Masyarakat
PT Bank Rakyat Indonesia Tbk. (Persero)
Public
86,85%
13,15%
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PROFIL PERUSAHAAN
Company Profile group
KEPEMILIKAN SAHAM OLEH DEWAN KOMISARIS DAN SHARE OWNERSHIP BY THE BOARD OF COMMISSIONERS
DIREKSI AND BOARD OF DIRECTORS
1 Januari 2023 / January 1, 2023 31 Desember 2023 / December 31, 2023
Pemegang Saham / Persentase Persentase
No.
Shareholders Jumlah Saham / Kepemilikan Saham Jumlah Saham / Kepemilikan Saham
Total Shares / Share Ownership Total Shares / Share Ownership
Percentage Percentage
Dewan Komisaris / Board of Commissioners
2 Eko B. Supriyanto - - - -
4 Danar Widyantoro - - - -
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) atau BRI PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) or BRI is
merupakan bank komersial terbesar di Indonesia yang Indonesia’s largest commercial bank, founded on December
didirikan pada tanggal 16 Desember 1895, di Purwokerto, Jawa 16, 1895 in Purwokerto, Central Java, with a banking business
Tengah dengan ruang lingkup usaha di bidang perbankan. scope. Furthermore, the Indonesian Government issued
Kemudian pada tahun 1946, Pemerintah RI mengeluarkan Government Regulation No. 1 in 1946, stating that BRI is the
Peraturan Pemerintah No. 1 Pasal satu yang menyatakan Republic of Indonesia’s first government bank. BRI’s status
bahwa BRI adalah sebagai Bank Pemerintah pertama di was changed to limited liability company in 1992, with the
Republik Indonesia. Tahun 1992 status BRI berubah menjadi Government of the Republic of Indonesia as the major
136 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
perseroan terbatas, dengan kepemilikan saham pada shareholder with 53.19% shares and the general public with
September tahun 2022 adalah Pemerintah Republik 46.81% in September 2022. As of the end of December 2022,
Indonesia sebagai pemegang saham utama dengan jumlah BRI’s total assets were Rp1,865,639 billion.
saham sebanyak 53,19% dan masyarakat 46,81%. Hingga
akhir Desember tahun 2022, jumlah aset yang dimiliki oleh
BRI adalah sebesar Rp1.865.639 miliar.
DEWAN KOMISARIS /
BOARD OF COMMISSIONERS
DIREKSI /
BOARD OF DIRECTORS
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PT Bank Raya Indonesia Tbk melakukan penawaran umum On June 30, 2003, PT Bank Raya Indonesia Tbk issued
saham perdana (IPO) di Bursa Efek Indonesia (d/h Bursa Efek 1,529,336,690 shares with the ticker code “AGRO” on the
Jakarta) pada tanggal 30 Juni 2003, dengan menawarkan Indonesia Stock Exchange (formerly the Jakarta Stock
sebanyak 1.529.336.690 lembar saham dengan kode saham Exchange). Several corporate actions were taken by the Bank
“AGRO”. Dalam perjalanannya, Bank beberapa kali melakukan over its history, which resulted in changes in the number of
aksi korporasi yang membuat jumlah saham Bank yang Bank shares traded on the stock exchange. The number of
diperdagangkan di bursa mengalami perubahan. Pada outstanding shares of the Bank as of December 31, 2023 was
31 Desember 2023, jumlah saham beredar Bank tercatat 24,740,494,284 shares with a nominal value of Rp100 per
sebanyak 24.740.494.294 lembar saham dengan nominal share.
Rp100 per saham.
Nilai
Tanggal
Nominal Jumlah Modal
Tahun / Jumlah Saham Baru / Aksi Korporasi / Pencatatan di Jumlah Saham /
(Rp) / Disetor / Total
Year Total New Shares Corporate Actions Bursa / Exchange Total Shares
Nominal Paid-In Capital
Listing Date
(Rp)
Penawaran Umum Perdana
30 Juni 2003 / June
2003 (IPO) / Initial Public Offering 1.529.336.690 100 1.529.336.690 152.933.669.000
30, 2003
(IPO)
Penawaran Umum Terbatas
7 November
dengan HMETD (PUT I) /
2003 305.867.338 2003 / November 7, 100 1.835.204.028 183.520.402.800
Limited Public Offering
2003
with Rights (PUT I)
Penawaran Umum Terbatas
dengan HMETD (PUT II) / 14 Maret 2005 /
2005 513.857.128 100 2.349.061.156 234.906.115.600
Limited Public Offering March 14, 2005
with Rights (PUT II)
Penawaran Umum Terbatas
Tanpa HMETD / Limited 24 Maret 2009 /
2009 64.000.000 100 2.413.061.156 241.306.115.600
Public Offering without March 24, 2009
Rights
Penawaran Umum Terbatas
9 November
dengan HMETD (PUT III)
2009 1.005.144.172 2009 / November 9, 100 3.418.205.328 341.820.532.800
/ Limited Public Offering
2009
with Rights (PUT III)
Pelaksanaan Waran seri
25 Mei 2011 / May
2011 I (PUT III) / Execution of 199.890.250 100 3.618.095.578 361.809.557.800
25, 2011
Series I Warrants (PUT III)
Penawaran Umum Terbatas
dengan HMETD (PUT IV)
2013 3.832.685.599 Juli 2013 / July 2013 100 7.450.781.177 745.078.117.700
/ Limited Public Offering
with Rights (PUT IV)
Penawaran Umum Terbatas
dengan HMETD (PUT V) /
2015 4.028.934.521 Juli 2015 / July 2015 100 11.479.715.698 1.147.971.569.800
Limited Public Offering
with Rights (PUT V)
Penawaran Umum Terbatas
dengan HMETD (PUT VI) Desember 2016 /
2016 3.845.996.122 100 15.325.711.820 1.536.698.225.100
/ Limited Public Offering December 2016
with Rights (PUT VI)
Juni – Desember
Execution of Series II
2017 612.937.654 2017 / June – 100 15.938.649.474 1.539.968.225.100
Warrants (PUT VI)
December 2017
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PROFIL PERUSAHAAN
Company Profile group
Nilai
Tanggal
Nominal Jumlah Modal
Tahun / Jumlah Saham Baru / Aksi Korporasi / Pencatatan di Jumlah Saham /
(Rp) / Disetor / Total
Year Total New Shares Corporate Actions Bursa / Exchange Total Shares
Nominal Paid-In Capital
Listing Date
(Rp)
Penawaran Umum Terbatas
dengan HMETD (PUT VII)
2017 2.515.555.707 Juli 2017 / July 2017 100 18.454.205.181 1.791.253.795.800
/ Limited Public Offering
with Rights (PUT VII)
Penawaran Umum Terbatas
dengan HMETD (PUT VIII) 26 September 2018 /
2018 2.889.085.049 100 21.343.290.230 2.134.329.023.000
/ Limited Public Offering September 26, 2018
with Rights (PUT VIII)
Kepemilikan Hak Opsi
Saham Pekerja dan
Pengurus Perseroan 27 Mei 2021 /
2021 249.376.451 100 21.592.666.681 2.159.266.668.100
(MESOP) / Management May 27, 2021
and Employee Stock Option
Program (MESOP)
Kepemilikan Hak Opsi
Saham Pekerja dan
14 September
Pengurus Perseroan
2021 99.318.846 2021 / September 100 21.691.981.527 2.169.198.152.700
(MESOP) / Management
14, 2021
and Employee Stock Option
Program (MESOP)
Penambahan Modal dengan
Hak Memesan Efek Terlebih
2 Desember
Dahulu (PMHMETD) IX
2021 1.054.545.185 2021 / December 2, 100 22.746.526.712 2.274.652.671.200
/ Increase in Capital
2021
with Preemptive Rights
(PMHMETD) IX
Kepemilikan Hak Opsi
Saham Pekerja dan
Pengurus Perseroan 25 Mei 2022 / May
2022 218.370 100 22.746.745.082 2.274.674.508.200
(MESOP) / Management 25, 2022
and Employee Stock Option
Program (MESOP)
Kepemilikan Hak Opsi
Saham Pekerja dan
22 Agustus
Pengurus Perseroan
2022 160.900 2022 / August 22, 100 22.746.905.982 2.274.690.598.200
(MESOP) / Management
2022
and Employee Stock Option
Program (MESOP)
Penambahan Modal dengan
Hak Memesan Efek Terlebih
26 Desember
Dahulu (PMHMETD) X
2022 1.993.201.832 2022 / December 100 24.740.107.814 2.474.010.781.400
/ Increase in Capital
26, 2022
with Preemptive Rights
(PMHMETD) X
Kepemilikan Hak Opsi
Saham Pekerja dan
Pengurus Perseroan
(MESOP) Kepemilikan Hak
18 April 2023 / April
2023 Opsi Saham Pekerja dan 386.480 100 24.740.494.294 2.474.049.429.400
18, 2023
Pengurus Perseroan
(MESOP) / Management
and Employee Stock Option
Program (MESOP)
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jl. Bangau No.13 Komplek PG UU Cinta Manis PTPN VII (Persero) Kel. Ketiau
Alamat / Address
Kec. Lubuk Keliat Kota/Kab. Indralaya - 30663
Bidang Usaha / Line of Business Bank Perkreditan Rakyat / Rural Bank
PT Aplikanusa Lintasarta
140 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
Masyarakat
Public
PT Bank Rakyat Indonesia 13,15%
(Persero) Tbk
Perusahaan Asosiasi
Associated Company
PT Bank Syariah
PT Asuransi BRI Life PT BRI Multifinance Indonesia
Indonesia Tbk
59,02% 99,88%
15,38%
PT Bahana Artha Ventura PT BRI Danareksa Sekuritas BRI Remittance Co. Ltd.
15,10% 67,00% 100,00%
PT Danareksa Investment
PT Pegadaian
Management
99,99%
65,00%
PT Permodalan Nasional
PT Bank Raya Indonesia Tbk
Madani
86,85%
99,99%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 141
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sebagai bentuk komitmen Perusahaan dalam memenuhi The Company employs the services of a Public Accountant
peraturan perundang-undangan, Perusahaan menggunakan and a Public Accounting Firm as part of its commitment
jasa Akuntan Publik dan Kantor Akuntan Publik. Hal ini to complying with the laws and regulations. This is in
berdasar pada Peraturan OJK No. 13/POJK.03/2017 Tentang accordance with OJK Regulation No. 13/POJK.03/2017, which
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan governs the use of public accountant services and public
Publik Dalam Kegiatan Jasa Keuangan. Penggunaan jasa accounting firms in financial services activities. The use of
Akuntan Publik dan Kantor Akuntan Publik bertujuan untuk Public Accountant and Public Accounting Firm services aims
memberikan keyakinan bagi pengguna atas hasil evaluasi to provide users with confidence in the results of financial
atau pengukuran informasi keuangan dan nonkeuangan and non-financial information evaluation or measurement
berdasarkan suatu kriteria yang digunakan sebagai salah based on criteria used as a consideration in decision making.
satu pertimbangan dalam pengambilan keputusan.
Kebijakan Penunjukan Akuntan Publik dan Kantor Akuntan Public Accountant and Public Accounting Firm Appointment
Publik Policy
Penunjukan Akuntan Publik dilakukan oleh Pemegang Public Accountant is appointed by Shareholders through
Saham melalui forum Rapat Umum Pemegang Saham the General Meeting of Shareholders (GMS) forum. The
(RUPS). Penunjukan akuntan publik dipercayakan kepada public accountant appointment is delegated to the Board of
Dewan Komisaris yang akan memutuskan berdasarkan Commissioners for decision-making based on proposal from
usulan dari Direksi dengan alasan dan besarnya kompensasi the Board of Directors stating the appointment criteria and
yang diusulkan untuk auditor eksternal tersebut. Proses amount of compensation proposed for the external auditor.
pemilihannya dilakukan sesuai dengan mekanisme The selection procedure is carried out in accordance with the
pengadaan barang dan jasa yang berlaku. Dalam hal ini, preveailing goods and services procurement mechanism. In
auditor eksternal diwajibkan independen dari pengaruh this regards, external auditors must be free of the influence
Direksi, Dewan Komisaris dan pihak yang berkepentingan di of the Bank’s Board of Directors, Board of Commissioners,
Bank. and interested parties.
Bank wajib menyediakan semua catatan akuntansi dan data The Bank is required to provide all accounting records and
penunjang yang diperlukan bagi audit Independen sehingga supporting data necessary for an independent audit to provide
memungkinkan audit Independen memberikan pendapatnya an opinion on the fairness, compliance, and conformity of the
tentang kewajaran, ketaat-azasan dan kesesuaian laporan Bank’s financial statements with the Indonesian Financial
keuangan Bank dengan Standar akuntansi Keuangan (SAK) Accounting Standards (SAK). Matters at the Bank that are not
Indonesia. Audit Independen wajib menginformasikan pihak in accordance with applicable laws and regulations found by
Bank bila menemui kejadian dalam perusahaan yang tidak the Independent Audit must be notified to the Bank. In 2023,
sesuai dengan peraturan perundang-undangan yang berlaku. Bank Raya appointed Public Accounting Firm Purwantono,
Untuk tahun 2023, Bank Raya telah menunjuk Kantor Akuntan Sungkoro, dan Surja (a member firm of Ernst & Young Global
Publik KAP Purwantono, Sungkoro, dan Surja (a member firm Limited).
of Ernst & Young Global Limited).
142 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
KAP Purwantono, Sungkoro, dan Surja (a member firm of Ernst & Young Global Limited)
Alamat / Address Gedung Bursa Efek Indonesia, Jl Jenderal Sudirman Kav. 52-53 Jakarta Selatan 12190
Kronologis Penggunaan Jasa Akuntan Publik Tahun 2019- Chronology of Use of Public Accounting Services in 2019-
2023 2023
Mengacu pada Peraturan OJK Nomor 13/ POJK.03/2017 According to OJK Regulation No. 13/ POJK.03/2017, dated
tentang penggunaan Jasa Akuntan dan Kantor Akuntan March 27, 2017, the limitation on the use of audit services
Publik dalam Kegiatan Jasa Keuangan tanggal 27 Maret 2017, for annual historical information from the same Public
pembatasan penggunaan jasa audit atas informasi historis Accountant is a maximum of three (three) years books in a
tahunan dari Akuntan Publik yang sama paling lama untuk 3 row. The following are the Company’s external auditors for
(tiga) tahun buku berturut-turut. Adapun auditor eksternal 2019-2023:
Perusahaan sepanjang tahun 2019-2023 adalah sebagai
berikut:
Tahun
Kantor Akuntan Publik / Akuntan / Jasa yang Diberikan / Biaya /
Buku /
Public Accounting Firm Accountant Service Rendered Fee
Fiscal Year
Audit umum atas Laporan Keuangan Bank
untuk tahun yang berakhir pada tanggal
KAP Purwantono, Sungkoro, dan Surja Danil Setiadi Handaja (STTD.
2023 31 Desember 2023 / General audit of the Rp1.750.000.000,-
(STTD.KAP-03/ PM.22/2018) AP-23/PM.22/2018)
Bank’s Financial Statements for the year
ended on December 31, 2023
Audit umum atas Laporan Keuangan Bank
untuk tahun yang berakhir pada tanggal
KAP Purwantono, Sungkoro, dan Surja Muhammad Kurniawan (STTD-
2022 31 Desember 2022 . / General audit of the Rp1.655.000.000
(STTD.KAP-03/ PM.22/2018) AP-118/PM.22/2018)
Bank’s Financial Statements for the year
ended on December 31, 2022
Audit umum atas Laporan Keuangan Bank
KAP Purwantono, untuk tahun yang berakhir pada tanggal
Christophorus Alvin Kossim
2021 Sungkoro, dan Surja (STTD.KAP-03/ 31 Desember 2021 . / General audit of the Rp1.575.000.000
(STTD.AP-31/ PM.223/2020)
PM.22/2018) Bank’s Financial Statements for the year
ended on December 31, 2021
Audit umum atas Laporan Keuangan Bank
untuk tahun yang berakhir pada tanggal
KAP Purwantono, Sungkoro & Surja Christophorus Alvin Kossim
2020 31 Desember 2020 . / General audit of the Rp1.490.000.000
(STTD.KAP-03/PM.22/2018) (STTD. AP-31/PM.223/2020)
Bank’s Financial Statements for the year
ended on December 31, 2020
Audit umum atas Laporan Keuangan Bank
untuk tahun yang berakhir pada tanggal
KAP Purwantono, Sungkoro & Surja Muhammad Kurniawan (STTD-
2019 31 Desember 2019 . / General audit of the Rp1.190.000.000
(STTD.KAP-03/PM.22/2018) AP-118/PM.22/2018)
Bank’s Financial Statements for the year
ended on December 31, 2019
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 143
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Lembaga dan Profesi Penunjang Pasar Modal Supporting Institutions and/or Professions
PT Datindo Entrycom
Alamat / Address : Jl. Hayam Wuruk No. 28, Jakarta 10120 Telp. : (021) 350 8077 Fax. : (021) 350 8078
Jasa yang diberikan / Services Rendered :
1. Registrasi RUPS / GMS Registration
2. Jasa Administrasi Saham Tahunan / Annual Shares Registrar Services
3. Jasa Administrasi Pasar Sekunder / Secondary Market Registrar Services
KUSTODIAN / CUSTODIAN
Alamat / Address : Gedung Bursa Efek Indonesia, Tower 1, Lt. 5 Jl. Jend. Sudirman kav. 52-53, Jakarta 12190
Indonesia Telp.: (+62 21) 515 2855 Fax. : (+62 21) 5299 1199
Jasa yang diberikan / Services Rendered : Jasa Kustodian / Custodian Services
Biaya / Fee : Rp11.100.000,-
Periode Penugasan / Assignment Period : 2023
144 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
NOTARIS / NOTARY
Alamat / Address : Cyber 2 Tower, Lt 22F Jl. HR Rasuna Said Blok x-5 No.13, Jakarta Selatan
Telp. / Telephone. : (021) 29021312
Fax. / Facsimile. : (021) 29021314
Jasa yang diberikan / Services Rendered : Jasa Notaris / Notarial Services
Biaya / Fee : Rp86.000.000
Periode Penugasan / Assignment Period : 2023
Alamat / Address : Jl. Jend. Sudirman kav 52-53, RT.5/RW.3, Senayan, Kec. Kby. Baru, Kota Jakarta Selatan,
Daerah Khusus Ibukota Jakarta 12190
Jasa yang diberikan / Services Rendered : Jasa Pencatatan Tahunan / Annual Listing Service
Biaya / Fee : Rp277.500.000,-
Periode Penugasan / Assignment Period : 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 145
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sebagai bentuk implementasi prinsip-prinsip Tata Kelola In implemented Good Corporate Governance principles
Perusahaan yang Baik sekaligus meningkatkan kepercayaan while increasing public trust, Bank Raya strives to carry out
kepada publik, Bank Raya berkomitmen untuk menerapkan information disclosure in accordance with Financial Services
keterbukaan informasi, sesuai dengan Peraturan Otoritas Authority Regulation No. 8/ POJK.04/2015 concerning Public
Jasa Keuangan No. 8/ POJK.04/2015 tentang Situs Web Company and Issuer Websites.
Perusahaan Publik dan Emiten.
Lebih lanjut, Bank Raya memberikan kemudahan kepada Bank Raya also facilitates all stakeholders with various up-
seluruh pemangku kepentingan dalam mengakses informasi to-date information accessible in the Company’s official
melalui situs web resmi Perusahaan www.bankraya.co.id. website, www.bankraya.co.id. Information available on the
Bank Raya senantiasa memperbaharui informasi yang tersaji Company’s website is as follows:
dalam situs web tersebut. Adapun informasi yang disajikan
pada situs web Perusahaan meliputi:
146 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
PROFIL PERUSAHAAN
Company Profile group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 147
TINJAUAN
PENDUKUNG BISNIS
Business Support Review
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Untuk memperkuat transformasi bisnis yang telah dijalankan As an effort to strengthen the business transformation that
sejak 2021, Divisi Human Capital (Divisi HC) senantiasa has been ongoing since 2021, the Human Capital Division (HC
memberikan dukungan sepenuhnya demi pelaksanaan Division) continues to provide full support for optimal and
transformasi tersebut berjalan baik dan optimal. Mengacu adequate transformation. In this regard, the HC Division has
pada pemahaman tersebut, Divisi HC telah menyusun prepared the following strategic program:
program strategis sebagai berikut:
• Strengthening HC Function, memperkuat peranan HC • Strengthening HC Function, strengthening the role of HC
sebagai collaborator, business partner & change driver as collaborator, business partner & change driver
• Creative Talent Attraction, melakukan rekrutmen dan • Creative Talent Attraction, recruiting and selecting
seleksi calon Pekerja dengan cara-cara yang kreatif prospective employees in creative ways (Talent Hiring/
(Talent Hiring/Pro Hiring, Rekrutmen Reguler, Partnership, Pro Hiring, Regular Recruitment, Partnership, Talent BRI
Talent Scouting & Penugasan BRI) Scouting & Assignment)
150 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
• Talent Retention, perlunya dilakukan program retention • Talent Retention, holding retention program necessary
untuk meningkatkan engagement dan produktivitas for boosting employee engagement and productivity
Pekerja
• Talent Development, menyelenggarakan program • Talent Development, organizing comprehensive talent
pengembangan kapabilitas talent secara paripurna capability development program
• Culture Transformation, melakukan program internalisasi • Culture Transformation, holding internalization and
dan aktivasi New Culture Bank Raya dengan tetap activation program of Bank Raya’s New Culture while still
berpedoman pada core values AKHLAK. referring to AKHLAK core values.
Bank Raya memfokuskan diri pada pengembangan Bank Raya focuses on developing People & Culture to
People & Culture sebagai upaya memperkuat kapabilitas strengthen organizational capabilities. In the HC Roadmap
organisasi. Dalam HC Roadmap 2023, Bank menekankan 2023, the Bank emphasizes the implementation of
pada pelaksanaan strategic workforce planning di mana strategic workforce planning, where Bank Raya researches
Bank Raya membuat kajian atau Reinventing Job dengan Reinventing Jobs focusing mainly on Efficiency and
fokus utama Efisiensi dan Augmentasi. Strategic Workforce Augmentation. Strategic Workforce Planning is carried
Planning dilakukan melalui workload analysis dengan tujuan out through workload analysis to reduce labor costs and
menurunkan biaya tenaga kerja dan meningkatnya angka increase worker productivity rates, especially for those who
produktivitas Pekerja khususnya pemanfaatan teknologi use technology to support repetitive work. Apart from that,
dalam menunjang pekerjaan yang repetitif. Disamping itu employees are also asked to use technology to promote Bank
dalam membangun Digital Mindsets pada Pekerja melalui Raya products or programs for developing digital mindsets
penguatan culture activation program yaitu Ranger as Brand through strengthening the cultural activation program,
Ambassador, Pekerja diminta untuk memanfaatkan teknologi namely Ranger as a Brand Ambassador.
dalam promosi produk ataupun program Bank Raya.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 151
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PENGEMBANGAN ORGANISASI
Organizational Development
Transformasi model bisnis yang dijalankan Bank Raya Bank Raya’s business model transformation also requires
menuntut Bank untuk juga melakukan transformasi organizational transformation. Thus, the Bank pays attention
organisasi. Untuk itu, Bank berfokus melakukan to Organizational Development, a key aspect in realizing the
Organizational Development atau pengembangan organisasi, Bank’s successful comprehensive transformation program.
yang diyakini menjadi aspek penting dalam menentukan
keberhasilan program transformasi menyeluruh yang
dijalankan Bank.
Bank Raya berupaya untuk membangun organisasi efektif Bank Raya strives to build an effective organization that can
yang dapat menunjang strategi pengembangan usaha support the Bank’s business development strategy and is
Bank dan siap menghadapi perubahan serta tantangan prepared to face current dynamics and challenges. In this
yang ada. Karena itu, strategi pengembangan organisasi regard, Bank Raya’s organizational development strategy
yang dijalankan Bank Raya berfokus pada memahami dan focuses on understanding and managing every ongoing
mengelola setiap perubahan yang terjadi. development.
Terkait dengan pengembangan organisasi pada tahun 2023 Bank Raya made no changes in organizational development
Bank Raya belum melakukan perubahan dalam struktur during 2023 and thus the structure remains the same as the
organisasi, sehingga secara struktural masih sama seperti previous one.
sebelumnya.
Berdasarkan perubahan tersebut, maka Struktur Organisasi The latest revision of Bank Raya’s Organizational Structure
Bank Raya revisi terakhir berdasarkan Surat Keputusan No. on such changes refers to Decree No. Kpts. B.206/Dir.01.05/
Kpts. B.206/Dir.01.05/CMG/06/2022 tentang Penetapan CMG/06/2022 on Reestablishment of the Organizational
Kembali Struktur Organisasi PT Bank Raya Indonesia, Tbk. Structure of PT Bank Raya Indonesia, Tbk with the following
adalah sebagai berikut: details:
RUPS
GMS
Direktur Utama
President Director
Direktur Digital & Operasional Direktur Retail Agri & Pendanaan Direktur Keuangan Direktur ERM, Compliance & HR
Director of Digital & Operations Director of Retail Agri & Funding Director of Finance Director of ERM, Compliance & HR
Bhimo Wikan Hantoro Dedy Hendrianto Rustarti Suri Pertiwi Danar Widyantoro
SEVP IT
Lukman Hakim
Divisi Digital Sales & Partnership Divisi Legacy Portfolio Mgmt. Divisi Treasury Divisi Enterprise Risk Mgmt. Divisi IT Infrastructure & Divisi Corporate Secretary
Operations Excellence
Prilly Savitri Eka Puspitasari Dian Panca Permata Sari Shinta Rachmawati Muhammad Fahry Ajeng Putri Hapsari
Divisi Credit Operation Investor Relation Desk Procedur & Policy Desk
152 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Untuk mendapatkan sumber daya yang berkualitas, unggul, In acquiring resources of quality, excellent, loyal, and
loyal, dan memiliki kemampuan adaptif dan kompetensi adaptive capabilities and competencies in line with the
yang sesuai dengan culture Bank, Bank Raya melaksanakan Bank’s culture, Bank Raya carries out a comprehensive
program rekrutmen karyawan secara komprehensif employee recruitment program by prioritizing the principles
dengan mengedepankan prinsip keterbukaan, kewajaran, of openness, fairness, diversity and equality.
keberagaman, dan kesetaraan.
Di sepanjang tahun 2023, Bank Raya telah melaksanakan Throughout 2023, Bank Raya has implemented a selective
program rekrutmen karyawan baru secara selektif dengan new employee recruitment program by prioritizing the
mengedepankan prinsip Recruit Right dalam rangka Recruit Right principle to obtain prospective employees
mendapatkan calon karyawan yang memiliki potensi dan with great potentials and achievements for appropriate work
prestasi untuk ditempatkan pada unit kerja yang tepat di units at the Bank. Bank Raya has recruited 52 new employees
Bank. Bank Raya telah melakukan rekrutmen sebanyak 52 to fill various positions in the Bank’s organization with the
karyawan baru untuk mengisi berbagai posisi di organisasi following details:
Bank dengan rincian sebagai berikut:
D4 ke Atas
D3 ke Bawah / Bachelor’s Staff ke Supervisor
Jenis Kelamin / / Associate Degree in Bawah / ke Atas /
Babyboomers Gen X Gen Y Gen Z
Gender Degree and Applied Staffs and Supervisors
Below Sciences Below and Above
and Above
Pria / Male 0 2 13 8 1 22 13 10
Wanita / Female 0 1 8 20 0 29 21 8
Jumlah / Total 0 3 21 28 1 51 34 18
Dalam melaksanakan proses Resourcing & Acquisition The Bank’s Resourcing & Acquisition process has 2 (two)
terdapat 2 (dua) mekanisme yaitu rekrutmen dan/ atau mechanisms, namely recruitment and/or selection.
seleksi.
1. Rekrutmen adalah proses kegiatan mencari dan menarik 1. Recruitment is the process of searching for and
kandidat yang sesuai dengan kebutuhan Perusahaan attracting candidates according to the Company’s needs
(kualifikasi, kompetensi, corporate culture, dll). (qualifications, competencies, corporate culture, etc.).
Proses rekrutmen dapat dilakukan melalui : The recruitment process can be carried out through:
a. Media (website resmi Perusahaan/elektronik/media a. Media (official company website /electronic/print
cetak). media).
Dilakukan dengan tetap memperhatikan prinsip Carried out through the principles of effectiveness
efektif dan efisien. and efficiency.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Seleksi merupakan kegiatan untuk memilih kandidat 2. Selection is aimed to select the best candidates using
terbaik dengan menggunakan beberapa tahapan several assessments according to the Company’s criteria.
penilaian sesuai kriteria yang ditetapkan Perusahaan.
154 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Metode seleksi yang dapat digunakan oleh Perusahaan Selection methods carried out by the Company include:
adalah sebagai berikut:
a. Online Screening. a. Online Screening.
b. Presentation. b. Presentation.
c. Group Discussion. c. Group Discussion.
d. Business Game. d. Business Game.
e. Interview. e. Interview.
f. Psikotest. f. Psychological Assessment.
g. Fit Test/Medical Check Up. g. Fitness Test/Medical Check Up.
h. Language Proficiency Test. h. Language Proficiency Test.
i. Metode Seleksi Lainnya. i. Other Selection Methods.
Bank Raya memahami pentingnya melakukan pengembangan Bank Raya is aware that talent development is crucial for
talenta yang berkesinambungan dalam rangka mendapatkan excellent Human Capital. In terms of employee competency
Human Capital yang unggul. Dalam hal pengembangan development, Bank Raya focuses on holding internal and
kompetensi karyawan, Bank Raya berfokus menjalankan external education and training programs. Materials for
program pendidikan dan pelatihan, baik yang dijalankan the education and training programs are prepared by
secara internal maupun eksternal. Materi program pendidikan considering its effectiveness, efficiency, impact, and
dan pelatihan disusun dengan memperhatikan efektivitas, objectives. To support an effective and efficient program
efisiensi, dampak, dan tujuan program pengembangan yang implementation, the Bank has established the Raya Academy,
ingin dicapai. Untuk mendukung penyelenggaraan program which is responsible for implementing employee training and
pendidikan dan pelatihan berjalan secara efektif dan efisien, development programs.
Bank telah memiliki Raya Academy, yang bertanggung jawab
dalam melaksanakan program pelatihan dan pengembangan
karyawan.
Program pengembangan karyawan di Bank Raya dimulai Bank Raya’s employee development program begins as
sejak karyawan pertama kali direkrut. Setiap karyawan baru early as the recruitment process. Every new employee must
mengikuti Induction Training, dengan modul utama berupa take part in Induction Training, with the main module of
overview perusahaan (visi, misi, budaya), pengenalan tentang company overview (vision, mission, culture), introduction
produk, proses dan sistem yang digunakan dalam mendukung to products, processes, and systems for business supports,
bisnis, serta Good Corporate Governance (GCG), APU PPT, as well as Good Corporate Governance (GCG), AML CFT, Risk
Risk Management, Audit, ketentuan internal. Management, Audit, and internal provisions.
Secara mendasar pengembangan Human Capital di Bank Human Capital development at Bank Raya is founded on
Raya berbasis pada kompetensi, yang secara umum competency with the primary objective for supporting
ditujukan untuk mendukung karyawan dalam menjalankan employees in carrying out their duties, which shall ultimately
pekerjaannya, yang pada akhirnya dapat membantu Bank support the Bank to realize its vision and mission.
mewujudkan visi dan misi.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 155
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• BFLP (Briliant Future Leader • Technical Development (Raya Sales Development Digital Development Program based
Program) Eksternal-Internal Program) berjumlah 249 peserta. on Gap Capability berjumlah 41
berjumlah 32 peserta. Technical Development (Raya Sales Development peserta.
External-Internal BFLP (Briliant Program) with 249 partcipants. Digital Development Program
Future Leader Program) with 32 • RLDP (RAYA Leadership Development Program) based on Gap Capability with 41
participants berjumlah 18 peserta. partcipants.
• On Boarding New Hire-Product RLDP (RAYA Leadership Development Program)
Knowledge and opening Bank with 18 partcipants.
Raya berjumlah 15 peserta. • Branch Leader Development berjumlah 29
Bank Raya New Hire On peserta.
Boarding-Product Knowledge Branch Leader Development with 29 partcipants.
and opening with 15 participants • Individual Development berjumlah 510 peserta.
Individual Development with 510 partcipants.
Realisasi Pelatihan dan Pengembangan Human Capital Realization of Human Capital Training and Development
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
2-7 Oktober 2023 / October
1 BRILian Leadership Development Program (BLDP) 3 2023 BRI Corpu 1
2-7, 2023
BRILian Leadership Development Program (BLDP) NWOL 13-24 November 2023 /
2 BRI Corpu 1
Modular 6 Batch 2 2023 Campus Jakarta November 13-24, 2023
BSDP GRC Integrated-Risk Management - Credit Risk 9 November 2023 /
3 BRI Corpu 28
Management 2023 November 9, 2023
BSDP GRC Integrated-Risk Management - Operational Risk 9 November 2023 /
4 BRI Corpu 29
Management 2023 November 9, 2023
BSDP IT Data Specialist Modul Data Arsitektur / BSDP IT Data 12-16 Juni 2023 / June 12-16,
5 BRI Corpu 4
Specialist Architecture Data Module 2023
08 - 10 Maret 2023 / March
6 BSDP MPE Division - Market Risk Management - Beginner Level BRI Corpu 1
8-10, 2023
09 - 17 Maret 2023 / March
7 BSDP Upskilling For Subject Matter Expert (SME) BRI Corpu 1
9-17, 2023
Capacity Building Pengelolaan Uang Rupiah (CB PUR) Perbankan
di Wilayah Kerja BI Provinsi Jawa Timur Tahun 2023 / Capacity 1-2 September 2023 /
8 Bank Indonesia 1
Building for Banking in Rupiah Currency Management (CB PUR) September 1-2 2023
in the BI Working Area, East Java Province in 2023
1-30 Juni 2023 / June 1-30,
9 E-Learning Compliance & Ethics Bank Raya 278
2023
1-28 Februari 2023 /
10 E-Learning Culture & Digital Transformation Bank Raya 199
February 1-28, 2023
1-28 Februari 2023 /
11 E-Learning Kesekretariatan / Secretarial E-Learning Bank Raya 74
February 1-28, 2023
1-30 November 2023 /
12 E-Learning Anti Bribery Bank Raya 711
November 1-30, 2023
10-31 Januari 2023 / January
13 E-Learning APU-PPT (Anti Money Laundering) Bank Raya 5
10-31, 2023
1-28 Februari 2023 /
14 E-Learning Asset & Liability Management Bank Raya 4
February 1-28, 2023
156 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
1-28 Februari 2023 /
15 E-Learning Bank Raya Performance Review Bank Raya 13
February 1-28, 2023
1-30 Juni 2023 / June 1-30,
16 E-Learning Culture Leaders Modul 1 Bank Raya 24
2023
1-30 Juni 2023 / June 1-30,
17 E-Learning Culture Leaders Modul 2 Bank Raya 28
2023
1-30 Juni 2023 / June 1-30,
18 E-Learning Culture Leaders Modul 3 Bank Raya 22
2023
1-30 Juni 2023 / June 1-30,
19 E-Learning Culture Leaders Modul 4 Bank Raya 24
2023
1-30 Juni 2023 / June 1-30,
20 E-Learning Culture Ranger Modul 1 Bank Raya 74
2023
1-30 Juni 2023 / June 1-30,
21 E-Learning Culture Ranger Modul 2 Bank Raya 80
2023
1-30 Juni 2023 / June 1-30,
22 E-Learning Culture Ranger Modul 3 Bank Raya 78
2023
1-30 Juni 2023 / June 1-30,
23 E-Learning Culture Transformation Leaders Bank Raya 18
2023
1-28 Februari 2023 /
24 E-Learning Digital & Ops Risk Bank Raya 3
February 1-28, 2023
1-31 Maret 2023 / March 1-31,
25 E-Learning Digital Fraud Bank Raya 1
2023
1-28 Februari 2023 /
26 E-Learning Divisi ERM / E-Learning ERM Division Bank Raya 2
February 1-28, 2023
1-28 Februari 2023 /
27 E-Learning Gratifikasi / Gratuity E-Learning Bank Raya 6
February 1-28, 2023
1-31 Juli 2023 / July 1-31,
28 E-Learning Incident Response Team (IRT) Bank Raya 369
2023
E-Learning ISO 9001:2015 (Sistem Manajemen Mutu / Quality 1-30 November 2023 /
29 Bank Raya 542
Management System) November 1-30, 2023
E-Learning Kebijakan Whistleblowing System / Whistleblowing 1-28 Februari 2023 /
30 Bank Raya 6
System Policy E-Learning February 1-28, 2023
E-Learning Materi ARK (Divisi 2021) / E-Learning for ARK 1-28 Februari 2023 /
31 Bank Raya 3
Materials (2021 Division) February 1-28, 2023
10-31 Januari 2023 / January
32 E-Learning Onboarding Bank Raya 37
10-31, 2023
E-Learning Perizinan Produk Bank / Bank Product Licensing 1-28 Februari 2023 /
33 Bank Raya 261
E-Learning February 1-28, 2023
E-Learning Portal Layanan cekrekening.id / E-Learning on 1-28 Februari 2023 /
34 Bank Raya 5
cekrekening.id Portal Service February 1-28, 2023
1-28 Februari 2023 /
35 E-Learning RAKB Bank Raya 63
February 1-28, 2023
1-31 Agustus 2023 / August
36 E-Learning RAKB Product Bank Raya 57
1-31, 2023
1-28 Februari 2023 /
37 E-Learning Risiko Operasional / Operational Risk E-Learning Bank Raya 2
February 1-28, 2023
E-Learning Risiko Operasional (ERM 2023) / Operational Risk 1-28 Februari 2023 /
38 Bank Raya 5
E-Learning (ERM 2023) February 1-28, 2023
E-Learning Risiko Operasional (LPG) / Operational Risk 1-28 Februari 2023 /
39 Bank Raya 3
E-Learning (LPG) February 1-28, 2023
1-31 Januari 2023 / January
40 E-Learning Sales Script Bank Raya 21
1-31, 2023
1-31 Juli 2023 / July 1-31,
41 E-Learning Security Awareness Bank Raya 353
2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 157
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
1-30 November 2023 /
42 E-Learning SIPESAT PPATK Bank Raya 157
November 1-30, 2023
1-31 Maret 2023 / March 1-31,
43 E-Learning Sosialisasi CAP / CAP Dissemination E-Learning Bank Raya 153
2023
1-30 November 2023 /
44 E-Learning Strategy Anti Fraud Bank Raya 709
November 1-30, 2023
14 - 16 Agustus 2023 / August
45 Enhancement Basic Support RM TOB Co-Location & SLP Bank Raya 49
14 – 16, 2023
Evaluasi Forum Kasir Perbankan (FORKAP) Bank Indonesia
20-22 Oktober 2023 /
46 Provinsi Riau Tahun 2023 / Evaluation of Bank Indonesia Bank Indonesia 2
October 20-22 2023
Banking Cashier Forum (FORKAP) Riau Province in 2023
13 & 21 Juli 2023 / July 13 &
47 Executive Overview for BOC LPPI 2
21, 2023
23 Juni & 6 Juli 2023 / June
48 Executive Overview for BOD LPPI 2
23 & July 6, 2023
Executive Overview Komisaris (Fit & Proper Test) / Executive 28 & 30 November 2023 /
49 LPPI 1
Overview for Commissioners (Fit & Proper Test) November 28 & 30, 2023
Forum Kliring 2023 Wilayah Regional BI Jember / 2023 Clearing 16-19 Maret 2023 / March
50 Bank Indonesia 1
Forum for BI Jember Regional Area 16-19, 2023
Forum Komunikasi (Forkom) Kliring / Clearing Communication 2-4 Juni 2023 / June 2-4,
51 Bank Indonesia 1
Forum (Forkom). 2023
Forum Komunikasi Perlindungan Konsumen (FKPK) Tahun 2023 13-15 Oktober 2023 / October
52 Bank Indonesia 1
/ Consumer Protection Communication Forum (FKPK) 2023 13-15, 2023
Forum Penguatan Governansi dan Integritas Pelaporan
Keuangan Sektor Jasa Keuangan / Forum for Strengthening 26 September 2023 /
53 OJK 3
Governance and Financial Reporting Integrity in the Financial September 26, 2023
Services Sector
From Feedback to Mastery: Building a Culture of Continuous 12 September 2023 /
54 ONE GML 2
Learning through Customized Learning Platforms September 12, 2023
12-16 Juni 2023 / June 12-16,
55 In House Training Managerial Bank Raya 39
2023
13 - 14 September 2023 /
56 International Flagship Risk Management Bank Indonesia 1
September 13 - 14, 2023
15-16 Maret 2023 / March
57 Job Analysis & Job Evaluation (JA-JE) Sarel 12
15-16, 2023
Kegiatan Sosialisasi Online Penerapan APU dan PPT / AML CFT
58 Bank Raya 25 Mei 2023 / May 25, 2023 161
Online Dissemination
Komunikasi Efektif dan Psikologi Auditor dalam Membentuk
6-7 Desember 2023 /
59 Karakter Positif / Effective Communication and Auditor Bank Raya 29
December 6-7, 2023
Psychology in Forming Positive Character
Konferensi Auditor Internal (Building Resilience in TUNA World
: Control Your Future or Someone Else Will) / Internal Auditor
60 YPIA 5-6 Juli 2023 / July 5-6, 2023 2
Conference (Building Resilience in TUNA World: Control Your
Future or Someone Else Will)
Konferensi Nasional Professional Manajemen Risiko IX
Navigating Country Risk for Sustainable Growth : Opportunities
14-15 Desember 2023 /
61 and Challenges / National Conference on Risk Management IX LSPMR 1
December 14-15, 2023
Professionals Navigating Country Risk for Sustainable Growth:
Opportunities and Challenges
Leadership in The Digital Age - Tools and Skills Every Leaders 26 Oktober 2023 / October
62 Genesis Inti Utama 1
Need 26, 2023
Monitoring dan Pembinaan Divisi Legal & Compliance Tahun
63 2023 / Monitoring and Development of the Legal & Compliance Bank Raya 15 Juni 2023 / June 15, 2023 130
Division in 2023
Onboarding Pekerja New Entry Bank Raya 2023 / Bank Raya New 7-9 November 2023 /
64 Bank Raya 17
Entry Employee Onboarding 2023 November 7-9, 2023
158 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
4-8 September 2023 /
65 Onboarding RM New Entry Bank Raya 28
September 4-8, 2023
Asosiasi Swiftindo
Indonesia / 24-29 Oktober 2023 /
66 Operasional SWIFT / SWIFT Operations 1
Indonesia Swiftindo October 24-29, 2023
Association
Panduan Praktis Terbaik dalam Pengelolaan Insiden
24 Agustus 2023 / August
67 Ransomware / The Best Practical Guide to Ransomware Incident Inixindo 6
24, 2023
Management
11, 18, 25 November dan 2,
9, 16, 23, 30 Desember 2023
68 Pelatihan CISA Review Course / CISA Review Course PUSILKOM UI / November 11, 18, 25 and 3
December 2, 9, 16, 23, 30,
2023
Pelatihan dan Certification Kubernetes Application Developer
1-13 April 2023 / April 1-13,
69 (CKAD) / Kubernetes Application Developer (CKAD) Training and Kubenesia 2
2023
Certification
Pelatihan dan Certified Information Systems Security
23-27 Oktober 2023 /
70 Professional (CISSP) / Training and Certified Information Multimatics 2
October 23-27, 2023
Systems Security Professional (CISSP)
Pelatihan Membedah Individual Risk Assessment (IRA) dan
Risk Enterprise terkait program APU, PPT dan PPPSPM di
6-7 Oktober 2023 / October
71 Sektor Jasa Keuangan / Training on Dissecting Individual Risk Genesis Inti Utama 2
6-7, 2023
Assessment (IRA) and Enterprise Risk related to AML, CFT and
PPPSPM programs in the Financial Services Sector
31 Oktober-12 Desember
72 Pelatihan React & React Native / React & React Native Training Haktiv8 2023 / October 31-December 2
12, 2023
Pelatihan Supervisor Management Development / Supervisor
73 Serasan 6-7 Juli 2023 / July 6-7, 2023 2
Management Development Training
Pelatihan Teknis Komprehensif Penyesuaian SOP dan Pedoman
Teknis APU, PPT dan PPPSPM sesuai POJK Nomor 8 Tahun 2023
26-27 Oktober 2023 /
74 / Comprehensive Technical Training on Adjusting SOPs and Genesis Inti Utama 2
October 26-27, 2023
Technical Guidelines for AML, CFT and PPPSPM according to
POJK Number 8 of 2023
Pembekalan Manajemen Risiko For BOD / Risk Management
75 LPPI 20 Mei 2023 / May 20, 2023 2
Materials for BOD
10 Februari 2023 / February
76 Pendidikan AO NPL 2023 / AO NPL Education 2023 Bank Raya 21
10, 2023
Pendidikan APU-PPT & PPUR Overview for Executive / AML-CFT 16 Maret 2023 / March 16,
77 LPPI 8
& PPUR Education Overview for Executives 2023
2 Februari 2023 / February
78 Pendidikan Basic Credit / Basic Credit Education Bank Raya 21
2, 2023
Pendidikan Digital Transformation (Rakernas) / Digital 16 Januari 2023 / January
79 Bank Raya 143
Transformation Education (National Work Meeting) 16, 2023
Pendidikan Leading by Design : Innovation Process and Culture
MIT Management
(BRILiaN Global Leader Program Batch I) / Leading by Design: 26-27 Oktober 2023 /
80 Executive Education 2
Innovation Process and Culture (BRILiaN Global Leader Program October 26-27, 2023
Cambridge
Batch I) Education
25-27 Januari 2023 / January
81 Pendidikan Legal Drafting / Legal Drafting Education AGSMADINA 4
25-27, 2023
Pendidikan Perpajakan dan PSAK 71 / Education on Tax and 13-14 September 2023 /
82 KPMG 27
PSAK 71 September 13-14, 2023
Pendidikan RM Seluruh Indonesia / RM Education Throughout 1-3 Maret 2023 / March 1-3,
83 Bank Raya 161
Indonesia 2023
Pendidikan Scalable Web Services Go Programming (Golang) / 28 Februari-6 April 2023 /
84 Haktiv8 2
Scalable Web Services Go Programming (Golang) Education February 28-April 6, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 159
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
Jimly School of Law
Pendidikan Sertifikasi Auditor Hukum Indonesia / Indonesian 18-22 Desember 2023 / 18-22
85 and Government 2
Legal Auditor Certification Education December 2023
(JSLG)
Pertemuan Tahunan Forum Komunikasi Kliring Jakarta (FKKJ) 17, 24,Juni dan 1, 8, 15, 22, 29
86 Tahun 2023 Bank Indonesia / Bank Indonesia 2023 Jakarta Bank Indonesia Juli 2023 / June 17, 24, and 2
Clearing Communication Forum (FKKJ) Annual Meeting July 1, 8, 15, 22, 29, 2023
Pertemuan Tahunan Kantor Pengelola Daftar Hitam Nasional
6 Oktober 2023 / October 6,
87 (KPDHN) Tahun 2023 / 2023 National Black List Management Bank Indonesia 1
2023
Office (KPDHN) Annual Meeting
Refreshment CS dan SDM Kesekretariatan Seluruh Indonesia / 9-11 Oktober 2023 / October
88 Bank Raya 36
Secretariat CS and HC Refreshment Throughout Indonesia 9-11, 2023
89 Refreshment Manajemen Risiko For BOC LPPI 25 Mei 2023 / May 25, 2023 3
Refreshment Petugas Operasional Kredit Seluruh Indonesia
14-15 Desember 2023 /
90 / Refreshment for Credit Operations Officer Throughout Bank Raya 28
December 14-15, 2023
Indonesia
16-17 November 2023 /
91 Refreshment Project Management Office (PMO) Chakra Lestari 27
November 16-17, 2023
Refreshment Sertifikasi Anti Fraud Manager (CAFM) / 9 Februari 2023 / February
92 PT. AAFM 1
Refreshment for Certified Anti Fraud Manager (CAFM) 9, 2023
Refreshment Sertifikasi Manajemen Risiko Level I-V / Level IV
93 Efektifpro 6 Juli 2023 / July 6, 2023 63
Risk Management Certification Refreshment
Refreshment Supervisor Seluruh Indonesia / Refreshment 2-4 Oktober 2023 / October
94 Bank Raya 29
Supervisor Throughout Indonesia 2-4, 2023
Refreshment Teller Umum & MIS Selindo / Refreshment for 16-18 Oktober 2023 / October
95 Bank Raya 39
General Teller & MIS Selindo 16-18, 2023
Self Learning Tata Kelola Terintegrasi Bri Group 21 September-30 Desember
96 Level Beginner / Bri Group Integrated Governance Self Learning BRI Corpu 2023 / September21- 14
Beginner Level December 30, 2023
10 November 2023 /
97 Seminar Fraud dan Gratifikasi / Fraud and Gratuity Seminar Bank Raya 168
November 10, 2023
Seminar Nasional dan Pengukuhan Gelar Kompetensi Associate
Certified Competent Internal Auditor (ACCIA) / National Seminar 9-10 November 2023 /
98 LSPAI 1
and Inauguration of the Associate Certified Competent Internal November 9-10, 2023
Auditor (ACCIA) Competency Degree
Seminar Trusted Advisor : Navigating The New Frontier;
6-7 Desember 2023 /
99 ‘Connecting Between Information Technology and Business YPIA 2
December 6-7, 2023
Strategy’
20-22 Juni 2023 / June 20-
100 Sertifikasi Kepatuhan Level 2 / Level 2 Compliance Certification FKDKP 2
22, 2023
Sertifikasi Manajemen Risiko Level 1 / Level 1 Risk Management 16-17 Januari 2023 / January
101 Efektifpro & BSMR 191
Certification 16-17, 2023
PT. Citra Sukses 17 Juni - 29 Juli 2023 / June
102 Sertifikasi RTA & RSA / RTA & RSA certification 1
Analis (CSA) 17 - July 29, 2023
14 Februari 2023 / February
103 Sharing Session Database Administrator Bank Raya 20
14, 2023
1 Februari 2023 / February
104 Sharing Session Google Cloud Bank Raya 39
1, 2023
19 Januari 2023 / January
105 Sharing Session HCP Leadership & Toxic Culture Bank Raya 54
19, 2023
10 Maret 2023 / March 10,
106 Sharing Session Human Performance Improvement LPPI 6
2023
107 Sharing Session Success Story for CBL & Pincapem BRI 7 Juli 2023 / July 7, 2023 18
Sharing Session Tematik Audit Raya / Thematic Sharing Session
108 Bank Raya 12 Juli 2023 / July 12, 2023 29
on Raya Audit
Sosialisasi Laporan Bank Umum Terintegrasi (LBUT) / 16-17 Maret 2023 / March
109 Bank Indonesia 3
Dissemination of Integrated Commercial Bank Reports (LBUT) 16-17, 2023
160 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
P2Humas Direktorat
Jenderal Pajak /
Sosialisasi Nomor Induk Kependudukan (NIK) menjadi Nomor Dissemination,
29 November 2023 /
110 Pokok Wajib Pajak (NPWP) / Dissemination of Identity Number Services, and 67
November 29, 2023
(NIK) to become Taxpayer Identification Number (NPWP) Public Relations,
Directorate General
of Taxes
Sosialisasi Pengelolaan Risiko Reputasi dan Peran Raya Rangers
dalam Meningkatkan Reputasi Perusahaan / Dissemination of 24 November 2023 /
111 Bank Raya 142
Reputation Risk Management and the Role of Raya Rangers in November 24, 2023
Improving Company Reputation
1-31 Oktober 2023 / October
112 The Human Resources Certification Program (HRCI - PHR/SPHR) Udemy 1
1-31, 2023
Training ‘SWIFT Your Route to ISO 20022 and the CBPR+ Swift Learning 5-8 Desember 2023 /
113 10
Guidelines’ Services December 5-8, 2023
14-15 Juni 2023 / June 14-15,
114 Training & Certification Fortigate Firewall Security (NSE4) ID-Networkers 1
2023
27 November-1 Desember
115 Training and Certified Ethical Hacking (CEH) Inixindo 2023 / November 1
27-December 1, 2023
26 Oktober 2023 / October
116 Training Anti Bribery Management System Awareness Robere & Associates 49
26, 2023
27-28 November 2023 /
117 Training CCNA With Exam CCNA & Exam NSE 4 ID-Networkers 1
November 27-28, 2023
17-18 Juli 2023 / July 17-18,
118 Training Cobit 2019 Inixindo 3
2023
119 Training Culture Leader 2023 PWC 8 Juni 2023 / June 8, 2023 40
120 Training Culture Ranger 2023 BRI 8 Juni 2023 / June 8, 2023 134
7-8 September 2023 /
121 Training Cyber Security untuk Fintech AFTECH dan LPPI 3
September 7-8, 2023
11 Desember 2023 /
122 Training Debt Collection Learning Resources 15
December 11, 2023
11-19 Desember 2023 /
123 Training GCP Professional Cloud Developer Trainocate 3
December 11-19, 2023
PT Eqa Trans 27-28 November 2023 /
124 Training Microsoft Power BI 5
Informatika November 27-28, 2023
20-24 Februari 2023 /
125 Training Payment Gateway Bank Raya 11
February 20-24, 2023
Ikatan Akuntan
Training Penerapan PSAK 71, 72, 73 (Aspek Akuntansi & Indonesia (IAI)
12-13 Desember 2023 /
126 Perpajakan) / Training on Application of PSAK 71, 72, 73 / Institute of 3
December 12-13, 2023
(Accounting & Taxation Aspects) Indonesia Chartered
Accountants
Training Perhitungan Aktuaria Sesuai PSAK 24 / Training on 21-22 September 2023 /
127 Serasan 4
Actuarial Calculation According to PSAK 24 September 21-22, 2023
1-2 Agustus 2023 / August
128 Training Roll Out Kupedes (RM Project Quantum 3.1) Bank Raya 86
1-2, 2023
14-15 November 2023 /
129 Training Swift RMA Portal Bank Raya 8
November 14-15, 2023
31 Oktober-28 November
Training TecdeMonterreyX: Leadership and Organizational
130 edX 2023 / October 31-November 1
Behavior
28, 2023
21-23 November 2023 /
131 Training Treasury 2023 Learning Resources 30
November 21-23, 2023
132 Training Workload Analysis (WLA) Sarel 6-7 Juli 2023 / July 6-7, 2023 14
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 161
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
Undangan Pertemuan User Group SP dan FMI BI (BI RTGS, BI-
SSSS, BI-ETO, SKNBI dan BI Fast) Tahun 2023 / Invitation to 4 November 2023 /
133 Bank Indonesia 3
SP and FMI BI User Group Meeting (BI RTGS, BI-SSSS, BI-ETO, November 4, 2023
SKNBI and BI Fast) of 2023
Undangan Refreshment Laporan Hasil Penilaian Kepatuhan
(LHPK) Sistem Pembayaran dan Financial Market Infrastructure
Bank Indonesia serta Kantor Pengelola Daftar Hitam Nasional
(SP & FMI BI serta KPDHN) Tahun 2023 / Invitation to 3 November 2023 /
134 Bank Indonesia 2
Refreshment Report on Compliance Assessment Results (LHPK) November 3, 2023
of the Payment System and Financial Market Infrastructure of
Bank Indonesia and the National Black List Management Office
(SP & FMI BI and KPDHN) in 2023
Kanwil BI Provinsi
Undangan Sosialisasi & Gathering Ikatan Kliring Perbankan
Riau / BI Riau 13-15Oktober 2023 / October
135 Pekanbaru 2023 / Invitation to the 2023 Pekanbaru Banking 2
Province Regional 13-15, 2023
Clearing Association Socialization & Gathering
Office
5 Desember 2023 /
136 Webinar Coaching for Leader Korpora Konsulting 38
December 5, 2023
Webinar FKDKP “lmplementation ol Personal Data Protection
137 FKDKP 12 Juli 2023 / July 12, 2023 1
Lows and Challenges to Their lmplementation”
Webinar FKDKP “Meningkatkan Kolaborasi Perbankan
dalam Rangka Pencegahan dan Pemberantasan Tindak
Pidana Pencucian Uang dalam Penyelenggaraan Pemilu dan
Pilkada yang Berintegritas dan Akuntabel” / FKDKP Webinar
138 FKDKP 17 Mei 2023 / May 17, 2023 2
“Increasing Banking Collaboration in the Context of Preventing
and Eradicating Money Laundering in the Implementation
of Elections and Regional Head Elections with Integrity and
Accountability”
24 November 2023 /
139 Webinar Hypnotic Persuasive Selling Korpora Consulting 113
November 24, 2023
Webinar Rencana Aksi Keuangan Berkelanjutan (RAKB) Dengan
Tema Konsep Manajemen Lingkungan ISO 14001:2015 Dan
Langkah Penerapan ISO 14001:2015 / Sustainable Finance 12 Desember 2023 /
140 Bank Raya 91
Action Plan (RAKB) Webinar with the theme ISO 14001:2015 December 12, 2023
Environmental Management Concepts and ISO 14001:2015
Implementation Steps
22 Agustus 2023 / August
141 Webinar Social Engineering : The Art of Human Hacking Bank Raya 188
22, 2023
21 September 2023 /
142 Workshop Audit Management System (AMS) Bank Raya 24
September 21, 2023
12 Oktober 2023 / October
143 Workshop EXP & Elevator Level: Resonate Your Voice T&DON 1
12, 2023
14-21 Agustus 2023 / August
144 Workshop Migration Pinang to Core Banking Rayanet Bank Raya 8
14-21, 2023
Realisasi Anggaran Pelatihan dan Pengembangan Human Realization of Human Capital Training and Development
Capital Budget
(dalam jutaan Rupiah) (in millions of Rupiah)
Uraian / Description 2023 2022 2021
Realisasi pada tahun 2023 menurun secara signifikan, Realization decreased significantly in 2023 due to the
dikarenakan telah dilakukan pengembangan sistem e-learning system which was already developed to make the
e-learning sehingga lebih efisien. process more efficient.
162 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Realisasi Pengembangan Kompetensi Dewan Komisaris dan Realization of Competency Development for the Board of
Direksi Commissioners and Directors
Nama / Jabatan / Nama Pelatihan / Tanggal / Penyelenggara /
Name Position Training Title Date Organizer
Forum Penguatan Governansi dan Integritas
Antonius Komite Audit / Audit Pelaporan Keuangan Sektor Jasa Keuangan / Forum 26 September 2023 /
OJK
Suryanta Committee for Strengthening Governance and Financial Reporting September 26, 2023
Integrity in the Financial Services Sector
Konferensi Auditor Internal (Building Resilience in TUNA
Komite Audit / Audit World : Control Your Future or Someone Else Will) / Internal 5-6 Juli 2023 / July
Ari Setyo Wibowo YPIA
Committee Auditor Conference (Building Resilience in TUNA World : 5-6, 2023
Control Your Future or Someone Else Will)
Johanes Kunjoro Komisaris Independen / Refreshment Manajemen Risiko for BOC / Risk 25 Oktober 2023 /
Efektifpro
Adisardjono Independent Commissioner Management Refreshment for BOC October 25, 2023
Executive Overview Komisaris (Fit & Proper Test) / 28 & 30 November
Johanes Kunjoro Komisaris Independen /
Executive Overview for Commissioners (Fit & Proper 2023 / November 28 & LPPI
Adisardjono Independent Commissioner
Test) 30, 2023
Seminar Trusted Advisor : Navigating The New Frontier;
Johanes Kunjoro Komisaris Independen / 6-7 Desember 2023 /
‘Connecting Between Information Technology and Business YPIA
Adisardjono Independent Commissioner December 6-7, 2023
Strategy’
Muhamad Sidik Komisaris Utama / President Refreshment Manajemen Risiko for BOC / Risk 25 Mei 2023 / May 25,
LPPI
Heruwibowo Commissioner Management Refreshment for BOC 2023
Muhamad Sidik Komisaris Utama / President 13 & 21 Juli 2023 / July
Executive Overview for BOC LPPI
Heruwibowo Commissioner 13 & 21, 2023
Konferensi Auditor Internal (Building Resilience in TUNA
Muhamad Sidik Komisaris Utama / President World : Control Your Future or Someone Else Will) ) / 5-6 Juli 2023 / July
YPIA
Heruwibowo Commissioner Internal Auditor Conference (Building Resilience in TUNA 5-6, 2023
World : Control Your Future or Someone Else Will)
Muhamad SIdik Komisaris Utama / President Refreshment Sertifikasi Manajemen Risiko Level I-V / 6 Juli 2023 / July 6,
Efektifpro
Heruwibowo Commissioner Level I-V Risk Management Certification Refreshment 2023
Seminar Trusted Advisor : Navigating The New Frontier;
Muhamad Sidik Komisaris Utama / President 6-7 Desember 2023 /
‘Connecting Between Information Technology and Business YPIA
Heruwibowo Commissioner December 6-7, 2023
Strategy’
Retno Wahyuni Komisaris Independen / Refreshment Manajemen Risiko for BOC / Risk 25 Mei 2023 / May 25,
LPPI
Wijayanti Independent Commissioner Management Refreshment for BOC 2023
Retno Wahyuni Komisaris Independen / 13 & 21 Juli 2023 / July
Executive Overview for BOC LPPI
Wijayanti Independent Commissioner 13 & 21, 2023
Direktur Keuangan / Director Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March
Akhmad Fazri LPPI
of Finance Education on AML-CFT & PPUR Overview for Executives 16, 2023
Direktur Digital dan Operasional
Bhimo Wikan Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March
/ Director of Digital and LPPI
Hantoro Education on AML-CFT & PPUR Overview for Executives 16, 2023
Operations
Direktur Digital dan Operasional
Bhimo Wikan Refreshment Sertifikasi Manajemen Risiko Level I-V / 6 Juli 2023 / July 6,
/ Director of Digital and Efektifpro
Hantoro Level I-V Risk Management Certification Refreshment 2023
Operations
Direktur Enterprise Risk
Management, Compliance &
Danar Pembekalan Manajemen Risiko untuk BOD / Risk 20 Mei 2023 / May 20,
Human Resource / Director of LPPI
Widyantoro Management Materials for BOD 2023
Enterprise Risk Management,
Compliance & Human Resource
Direktur Enterprise Risk
Management, Compliance &
Danar 23 Juni & 6 Juli 2023 /
Human Resource / Director of Executive Overview for BOD LPPI
Widyantoro June 23 & July 6, 2023
Enterprise Risk Management,
Compliance & Human Resource
Direktur Enterprise Risk
Management, Compliance &
Danar Refreshment Sertifikasi Manajemen Risiko Level I-V / 6 Juli 2023 / July 6,
Human Resource / Director of Efektifpro
Widyantoro Level I-V Risk Management Certification Refreshment 2023
Enterprise Risk Management,
Compliance & Human Resource
Direktur Enterprise Risk
Management, Compliance &
Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March
Dedy Hendrianto Human Resource / Director of LPPI
Education on AML-CFT & PPUR Overview for Executives 16, 2023
Enterprise Risk Management,
Compliance & Human Resource
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 163
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TALENT MANAGEMENT
Talent Management
Talent Management merupakan proses end to end dimulai Talent Management is an end-to-end process covering
dari perencanaan, merekrut, mengembangkan, mengelola employment planning, recruitment, development,
hingga proses separation Pekerja di Perusahaan. Talent management, and separation at the Company. Talent
Management terbagi menjadi 5 (lima) tahapan yaitu: Management is grouped into 5 (five) stages, namely:
1. Attraction 1. Attraction
Talent Attraction merupakan proses untuk menarik Talent Attraction is the process of attracting Talent from
Talent yang berasal dari sumber intern dan/atau ekstern internal and/or external sources to work in the Company
untuk bekerja di Perusahaan melalui mekanisme Talent through Talent Channel and Talent Source in a creative
Channel dan Talent Source yang kreatif dan inovatif. and innovative manner. The Human Capital Division
Program attraction Divisi Human Capital pertama dengan initiates the attraction program by increasing employers
meningkatkan employer branding, kedua dengan sourcing branding, followed by sourcing & database management
& database management dengan melakukan rekrutmen through regular recruitment and internships, and
reguler maupun magang, serta yang ketiga dengan sourcing channels through job posting at LinkedIn.
sourcing channel dengan melakukan job posting melalui
Linkedin.
164 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
4. Retention 4. Retention
Retensi merupakan kemampuan Perusahaan untuk Retention refers the Company’s ability to convince its
mempertahankan karyawan potensial yang dimiliki potential employees to stay loyal to the Company. This
perusahaan untuk tetap loyal terhadap perusahaan. hal- is carried out through creation of a comfortable work
hal yang dilakukan yaitu membuat suasana kerja yang atmosphere, employee welfare program, and other
nyaman, program kesejahteraan bagi Pekerja serta employee care programs.
program-program employee care lainnya.
5. Separation 5. Separation
Dengan proses manajemen talenta di Bank Raya yang Proper talent management at Bank Raya is expected to
baik, diharapkan dapat memberi persepsi positif dan generate positive perception and values for employees
nilai bagi Pekerja yang telah pemutusan hubungan kerja leaving the Company either through normal separation
baik secara normal separation (pensiun, habisnya masa (retirement, contract expiry, or death), forced separation
kontrak, atau meninggal), forced separation (indisipliner) (termination) or early retirement.
atau early retirement (pensiun sebelum masanya).
Bank Raya senantiasa mewujudkan lingkungan kerja yang Bank Raya strives to create a comfortable, safe and
nyaman, aman, dan kondusif untuk para karyawan dan calon conducive work environment for employees and prospective
karyawan. Untuk dapat mewujudkan hal tersebut, Bank employees. In this regard, the Bank regularly reviews
secara berkala mengkaji kebijakan remunerasi karyawan dan employee remuneration policies and other matters related
hal lainnya yang berhubungan dengan ketenagakerjaan. Bank to employment with the hopes of realizing a low employee
meyakini, upaya-upaya tersebut dapat menurunkan tingkat turnover rate. Details on Bank Raya employee turnover rate in
turnover karyawan. Adapun tingkat turnover karyawan Bank 2023 and 2022 are as follows:
Raya pada tahun 2023 dibandingkan tahun 2022 adalah
sebagai berikut:
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 165
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pensiun / Retired 3 4
Diberhentikan / Terminated 19 10
Total karyawan di akhir tahun / Total employees at the end of the year 927 1.010
INTERNALISASI BUDAYA
Cultural Internalization
Menerapkan budaya perusahaan yang kuat sesuai dengan visi A strong corporate culture in accordance with the Company’s
perusahaan dapat memberi dampak positif yang signifikan vision can have a significant positive impact on Bank Raya,
bagi Bank Raya, antara lain meningkatkan produktivitas such as increased productivity and creation of a positive and
serta menciptakan lingkungan kerja yang positif dan solid work environment, which ultimately supports the Bank’s
solid, yang pada akhirnya mendukung pertumbuhan dan long-term growth and success. Bank Raya’s Corporate Culture
keberhasilan jangka panjang Bank. Untuk membangun development is realized through regular internalization and
budaya Perusahaan, Bank Raya mengembangkan Corporate alignment of the Bank’s Core Values and Culture. Through
Culture yang diwujudkan melalui program internalisasi dan the program, Bank Raya employees shall obtain appropriate
penyelarasan Nilai Utama dan Budaya Bank yang dijalankan skills to face challenges and dynamics with the ability to
secara berkesinambungan. Melalui penerapan program adapt quickly as well as be more dynamic and agile while still
tersebut, karyawan Bank Raya dapat merespons tantangan upholding professionalism and integrity.
dan perubahan sehingga dapat memiliki kemampuan
beradaptasi dengan cepat, lebih dinamis dan agile tanpa
meninggalkan aspek profesionalisme dan integritas.
Program internalisasi BRI One Culture merupakan program- The BRI One Culture internalization program aims to instill
program yang bertujuan untuk menanamkan cores nilai- the core values of Bank Raya’s Work Culture to all BRILian
nilai pokok Budaya Kerja Bank Raya kepada seluruh insan people through creative activities in improving Company
BRILiaN melalui kegiatan-kegiatan kreatif yang mendukung performance. The BRI One Culture Internalization programs
peningkatan kinerja perusahaan. Program-program include but are not limited to:
Internalisasi BRI One Culture termasuk namun tidak terbatas
pada:
a. Culture Agent/Culture Ranger. a. Culture Agent/Culture Ranger.
b. Culture Activation Program (CAP). b. Culture Activation Program (CAP).
c. Best Culture Activation Program (Rayanovation). c. Best Culture Activation Program (Rayanovation).
d. Best Culture Agents/Culture Rangers (Sharing is Caring). d. Best Culture Agents/Culture Rangers (Sharing is Caring).
e. Raya Community. e. Raya Community.
166 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Setiap perusahaan dituntut untuk memiliki kemampuan Business challenges must be responded appropriately for a
menjawab tantangan bisnis yang dihadapi. Sejalan dengan company to strive. In line with the Bank’s vision, mission and
visi, misi, dan tujuan Bank, Bank Raya senantiasa merespons objectives, Bank Raya always gives appropriate responds to
setiap tantangan usaha secara tepat sehingga dapat every business challenge to be able to encourage business
mendorong penyempurnaan dan pengembangan proses process improvement and development. In terms of human
bisnisnya. Terkait aspek human capital, Bank telah menyusun capital, the Bank has prepared a Human Capital Development
Rencana dan Strategi Pengembangan Human Capital tahun Plan and Strategy for 2024, as a measure for the Bank to
2024, sebagai langkah Bank dalam merespons setiap respond to every business challenge.
tantangan usaha.
Adapun Rencana dan Strategi Pengembangan Human Capital The Human Capital Development Plan and Strategy for 2024
Tahun 2024 adalah sebagai berikut: are as follows:
1. Branding Talent; 1. Branding Talent;
2. Peningkatan kompetensi Pekerja khususnya penguatan 2. Increasing employee competency, especially
di Bisnis Digital dan Kredit; strengthening in Digital Business and Lending;
3. Implementation of Human Capital Internal Communication 3. Implementation of Human Capital Internal Communication
and Campaign; and Campaign;
4. Review Compensation & Benefit; 4. Review Compensation & Benefit;
5. Improve Alignment Culture BRI Group & CAP Impact 5. Improve Alignment Culture BRI Group & CAP Impact
Evaluation; Evaluation;
6. Digital Culture & Leadership Maturity. 6. Digital Culture & Leadership Maturity.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 167
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TEKNOLOGI INFORMASI
z INFORMATION TECHNOLOGY
Memasuki era digital, Teknologi Informasi (TI) menjadi In this digital era, Information Technology (IT) has become
aspek terpenting dalam seluruh aspek kehidupan manusia, a crucial element in all aspects of human life, including
termasuk kegiatan bisnis. Perusahaan dituntut untuk business activities. The Company must keep up with
mengikuti perkembangan arus TI yang semakin masif agar the increasingly massive development of IT to be able to
perusahaan mampu meningkatkan kinerjanya di tengah improve its performance amidst the heightening business
persaingan bisnis yang semakin kompetitif. Terlebih di competition, especially in the banking industry. In Bank
industri perbankan. Di lingkungan Bank Raya, TI berperan Raya, IT plays a key role in maintaining the smooth running of
penting dalam menjaga kelancaran proses bisnis di antaranya business processes, such as operational system automation
untuk otomatisasi sistem operasional pada core business. of core business.
Dalam rangka mencapai visi transformasi, maka Bank Raya’s business transformation shall be achieved with
pengembangan TI Bank Raya tetap mengedepankan the support of IT development that always practices good IT
tata kelola TI yang baik dan dilakukan dengan fokus pada governance and focuses on risk management in IT operations
manajemen risiko dalam pengelolaan operasional TI yang to prevent disruptions on the Bank’s smoot operations. In
168 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
dapat mengganggu kelancaran operasional Bank. Untuk technology governance, the Bank always pays attention
memenuhi tata kelola teknologi tersebut, maka Bank selalu to and ensures the adequacy of policies, standards and
memperhatikan dan memastikan kecukupan kebijakan, procedures for the use of information technology, process
standar, dan prosedur penggunaan teknologi informasi, of identifying, measuring, monitoring and controlling risks
kecukupan proses identifikasi, pengukuran, pemantauan, of information technology use, as well as implementation of
dan pengendalian risiko penggunaan teknologi informasi, internal control system.
serta dilakukannya sistem pengendalian internal.
Bank Raya telah menyusun IT Strategic Plan yang merupakan For the Bank’s IT organization, Bank Raya has prepared an IT
gambaran strategis yang digunakan sebagai panduan yang Strategic Plan as a guideline in preparing IT development and
digunakan oleh organisasi IT Bank dalam menyusun rencana investment plans. The IT Strategic Plan covers 6 (six) priority
pengembangan dan investasi TI. Dalam IT Strategic Plan programs, namely:
tersebut, terdapat 6 (enam) Program prioritas, yaitu:
A. Payment Gateway (ADG) A. Payment Gateway (ADG)
• Deskripsi • Description
Pengembangan sistem pembayaran yang Development of an integrated payment system in
diintegrasikan lewat satu aplikasi serta dikembangkan one application with state-of-the-art architecture to
menggunakan arsitektur yang terkini sehingga align with future developments in banking e-channel
dapat mengikuti perkembangan teknologi e-channel technology.
perbankan di masa mendatang.
• Impact: • Impact:
- Meningkatkan kecepatan dan keberhasilan - Increase speed and success of transactions for
transaksi sehingga bisnis dapat berjalan dengan optimal business operations
maksimal
- Memudahkan untuk monitoring dan update - Facilitate monitoring and update of
troubleshooting problem fitur e-channel sesuai troubleshooting for e-channel features according
dengan kebutuhan to needs
B. Big Data & Business Intelligence B. Big Data & Business Intelligence
• Deskripsi • Description
Project ini menggunakan teknologi Cloud yang This project uses Cloud technology with 2 (two) data
mempunyai 2 (dua) teknik proses loading data-nya, loading process, namely batch and streaming aiming
yaitu proses batch dan streaming dengan tujuan to develop a centralized data lake and data mart for a
untuk membentuk data lake sentralisasi data dan more efficient query processing.
membentuk data mart agar query menjadi lebih
efisien.
• Impact • Impact
Berbagai divisi dapat mendapatkan manfaat dari Various divisions can benefit from this data
sentralisasi data ini, yaitu: pencarian data menjadi centralization, namely: faster data searches, as well
lebih cepat, serta mendapatkan konsistensi data dan as more consistent data and more controlled data
kualitas data yang lebih terkontrol untuk pelaporan quality for reporting and data analysis.
dan analisis data.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 169
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Selain enhancement data center, revitalisasi juga In addition to data center enhancement, Data Center
dilakukan pada Manajemen Data Center. Pengelolaan Management is also revitalized through server
dilakukan pada optimalisasi kinerja server Maka performance optimization. Data Center Enhancement
akan dilakukan Data Center Enhancement dengan is carried out using Hybrid Data Center technology
menggunakan teknologi Hybrid Data Center, dengan with a clear server segmentation.
memfokuskan setiap segmen server dengan jelas.
• Impact • Impact
- Elastic Scalability, Opex Pricing Model, Reliability - Elastic Scalability, Opex Pricing Model, Increased
meningkat Reliability
- Hemat sumber daya manusia dan energi - Efficient human capital and energy
- Segmen Development, Staging, dan Production - Clear Development, Staging and Production
menjadi jelas, sehingga kinerja tiap produk tidak segments, preventing configuration errors for
terganggu oleh kesalahan konfigurasi each product performance
E. Raya Tech Raya Working Space E. Raya Tech Raya Working Space
• Deskripsi • Description
Pencarian talenta TI terbaik dari daerah yang Search for the best IT talent from areas with IT talent
memiliki talenta atau sumber daya manusia IT untuk or human capital to support Bank Raya’s business
mendukung kebutuhan bisnis Bank Raya needs
• Impact • Impact
Membantu proses pengembangan aplikasi lebih Support a more optimal and efficient application
maksimal dan efisien development
170 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
PENGELOLA DIVISI TI
Party In Charge Of IT Division
Bank memiliki Divisi TI yang terbagi sebagai berikut: The Bank’s IT Division is grouped as follows:
1. Divisi Application Development, Architecture, and 1. Application Development, Architecture, and Division
Governance Governance
Terdiri dari 8 (delapan) bagian yang berfungsi sebagai tim Consists of 8 (eight) sections that function as Bank Raya
pengembangan aplikasi Bank Raya secara end to end. application end-to-end development team, The sections
Bagian pada Divisi ini terbagi menjadi: in this division are divided into:
1. IT Strategic 1. IT Strategic
2. Raya Development 2. Raya Development
3. Pinang Development 3. Pinang Development
4. Support System 4. Support System
5. Digital Banking Delivery 5. Digital Banking Delivery
6. Core Banking 6. Core Banking
7. Quality Assurance 7. Quality Assurance
8. CISO 8. CISO
2. Divisi IT Infrastructure & Operational Excellence 2. IT Infrastructure & Operational Division Excellence
Terdiri dari 4 (empat) bagian yang berfungsi sebagai tim Consists of 4 (four) sections that function as Bank Raya’s
operasional, security, dan infrastruktur TI Bank Raya operational, security and IT infrastructure team, namely:
yaitu:
1. Bagian Network 1. Network Section
Bagian Network yang bertugas mengelola The Network Section is in charge of application
pengembangan aplikasi dari segi Network (Network development for its Network (Network Engineer)
Engineer) di lingkungan Divisi TSI agar selaras dengan within the TSI Division to ensure adequacy with Bank
RBB Bank Raya dan sejalan dengan IT Master Plan. Raya RBB and the IT Master Plan.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 171
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
172 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
2. Bagian Data Engineering, yang bertugas merancang, 2. Data Engineering Section is in carge of designing,
mengembangkan, dan memelihara infrastruktur developing and maintaining infrastructure and
serta alur data yang efisien untuk mengelola, efficient data flow to manage, transform and store
mentransformasi, dan menyimpan data secara cepat data in a swift and scalable manner.
dan scalable.
3. Bagian Data Architecture, Strategy & Governance, 3. Data Architecture, Strategy & Governance section
yang bertugas merancang arsitektur data yang is in charge of designing efficient data architecture,
efisien, mengembangkan strategi implementasi Big developing Big Data implementation strategies, and
Data, dan mengelola kebijakan serta standar untuk managing policies and standards to ensure optimal
memastikan integritas, keamanan, dan kualitas data data integrity, security and quality.
yang optimal.
PENGEMBANGAN SDM TI
IT HC Development
Dalam rangka mendukung pelaksanaan tugas Divisi TI yang As the duties of the IT Division becomes more complex with
semakin kompleks sekaligus meningkatkan wawasan dan IT development, Bank Raya holds capacity and competency
kompetensi SDM Divisi TI, Bank Raya menyelenggarakan building program through training and certification for the
program peningkatan kapasitas dan kompetensi melalui HC in the IT Division so as to enhance their knowledge and
program pelatihan dan sertifikasi. competencies.
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
BSDP GRC Integrated-Risk Management - Credit Risk Management
9 November 2023 /
1 Tahun 2023 / BSDP GRC Integrated-Risk Management - Credit Risk BRI Corpu 14
November 9, 2023
Management in 2023
BSDP GRC Integrated-Risk Management - Operational Risk
9 November 2023 /
2 Management Tahun 2023 / BSDP GRC Integrated-Risk BRI Corpu 14
November 9, 2023
Management - Operational Risk Management in 2023
BSDP IT Data Specialist Modul Data Arsitektur / BSDP IT Data 12-16 Juni 2023 /
3 BRI Corpu 4
Specialist Architecture Data Module June 12-16, 2023
1-30 Juni 2023 /
4 E-Learning Compliance & Ethics Bank Raya 278
June 1-30, 2023
1-28 Februari 2023 /
5 E-Learning Culture & Digital Transformation Bank Raya 199
February 1-28, 2023
1-30 November 2023 /
6 E-Learning Anti Bribery Bank Raya 711
November 1-30, 2023
1-28 Februari 2023 /
7 E-Learning Bank Raya Performance Review Bank Raya 13
February 1-28, 2023
E-Learning Culture Leaders Modul 2 / E-Learning Culture Leaders 1-30 Juni 2023 /
8 Bank Raya 28
Module 2 June 1-30, 2023
E-Learning Culture Leaders Modul 1 / E-Learning Culture Ranger 1-30 Juni 2023 /
9 Bank Raya 75
Module 1 June 1-30, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 173
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
E-Learning Culture Leaders Modul 2 / E-Learning Culture Ranger 1-30 Juni 2023 /
10 Bank Raya 80
Module 2 June 1-30, 2023
E-Learning Culture Ranger Modul 3 / E-Learning Culture Ranger 1-30 Juni 2023 /
11 Bank Raya 78
Module 3 June 1-30, 2023
1-28 Februari 2023 /
12 E-Learning Gratifikasi / E-Learning Gratuity Bank Raya 6
February 1-28, 2023
1-31 Juli 2023 / July 1-31,
13 E-Learning Incident Response Team (IRT) Bank Raya 369
2023
E-Learning ISO 9001:2015 (Sistem Manajemen Mutu) / E-Learning 1-30 November 2023 /
14 Bank Raya 542
ISO 9001:2015 (Quality management system) November 1-30, 2023
E-Learning Kebijakan Whistleblowing System / E-Learning 1-28 Februari 2023 /
15 Bank Raya 6
Whistleblowing System Policy February 1-28, 2023
10-31 Januari 2023 /
16 E-Learning Onboarding Bank Raya 37
January 10-31, 2023
E-Learning Perizinan Produk Bank / E-Learning Bank Product 1-28 Februari 2023 /
17 Bank Raya 261
Licensing February 1-28, 2023
1-28 Februari 2023 /
18 E-Learning RAKB Bank Raya 63
February 1-28, 2023
1-31 Juli 2023 / July 1-31,
19 E-Learning Security Awareness Bank Raya 353
2023
1-31 Maret 2023 /
20 E-Learning Sosialisasi CAP / E-Learning CAP Dissemination Bank Raya 153
March 1-31, 2023
1-30 November 2023 /
21 E-Learning Strategy Anti Fraud / E-Learning Anti-Fraud Strategy Bank Raya 709
November 1-30, 2023
Asosiasi Swiftindo 24-29 Oktober 2023 /
22 Operasional SWIFT / SWIFT Operations 1
Indonesia October 24-29, 2023
Panduan Praktis Terbaik dalam Pengelolaan Insiden Ransomware / 24 Agustus 2023 /
23 Inixindo 6
The Best Practical Guide to Ransomware Incident Management August 24, 2023
11, 18, 25 November dan
2, 9, 16, 23, 30 Desember
24 Pelatihan CISA Review Course / CISA Review Course Training PUSILKOM UI 2023 / November 11, 18, 25 3
and December 2, 9, 16, 23,
30, 2023
Pelatihan dan Certification Kubernetes Application Developer
1-13 April 2023 /
25 (CKAD) / Training and Certification of Kubernetes Application Kubenesia 2
April 1-13, 2023
Developer (CKAD)
Pelatihan dan Certified Information Systems Security Professional
23-27 Oktober 2023 /
26 (CISSP) / Training and Certified Information of Systems Security Multimatics 1
October 23-27, 2023
Professional (CISSP)
31 Oktober-12 Desember
27 Pelatihan React & React Native / React & React Native Training Haktiv8 2023 / October 2
31-December 12, 2023
Pendidikan APU-PPT & PPUR Overview for Executive / Education of 16 Maret 2023 / March 16,
28 LPPI 8
APU-PPT & PPUR Overview for Executives 2023
Pendidikan Digital Transformation (Rakernas) / Digital 16 Januari 2023 /
29 Bank Raya 144
Transformation (Rakernas) Education January 16, 2023
174 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
13-14 September 2023 /
30 Pendidikan Perpajakan dan PSAK 71 / Tax Education and PSAK 71 KPMG 27
September 13-14, 2023
Pendidikan Scalable Web Services Go Programming (Golang) / 28 Februari-6 April 2023 /
31 Haktiv8 2
Scalable Web Services Go Programming (Golang) Education February 28-April 6, 2023
16-17 November 2023 /
32 Refreshment Project Management Office (PMO) Chakra Lestari 27
November 16-17, 2023
33 Refreshment Sertifikasi Manajemen Risiko Level I-V Efektifpro 6 Juli 2023 / July 6, 2023 63
10 November 2023 /
34 Seminar Fraud dan Gratifikasi / Fraud and Gratuity Seminar Bank Raya 168
November 10, 2023
Sertifikasi Manajemen Risiko Level 1 / Level 1 Risk Management 16-17 Januari 2023 /
35 Efektifpro & BSMR 23
Certification January 16-17, 2023
14 Februari 2023 /
36 Sharing Session Database Administrator Bank Raya 20
February 14, 2023
1 Februari 2023 /
37 Sharing Session Google Cloud Bank Raya 39
February 1, 2023
Sharing Session HCP Leadership & Toxic Culture / HCP Leadership 19 Januari 2023 /
38 Bank Raya 54
& Toxic Culture Sharing Session January 19, 2023
Sosialisasi Nomor Induk Kependudukan (NIK) menjadi Nomor
P2Humas Direktorat 29 November 2023 /
39 Pokok Wajib Pajak (NPWP) / Dissemination of ID Number (NIK) 68
Jenderal Pajak November 29, 2023
becomes Taxpayer Identification Number (TIN)
Sosialisasi Pengelolaan Risiko Reputasi dan Peran Raya Rangers
dalam Meningkatkan Reputasi Perusahaan / Dissemination of 24 November 2023 /
40 Bank Raya 142
Reputation Risk Management and the Role of Raya Rangers in November 24, 2023
Improving Company Reputation
Swift Learning 5-8 Desember 2023 /
41 Training 'SWIFT Your Route to ISO 20022 and the CBPR+ Guidelines' 10
Services December 5-8, 2023
14-15 Juni 2023 /
42 Training & Certification Fortigate Firewall Security (NSE4) ID-Networkers 1
June 14-15, 2023
27 November-1 Desember
43 Training and Certified Ethical Hacking (CEH) Inixindo 2023 / November 27- 1
December 1, 2023
27-28 November 2023 /
44 Training CCNA With Exam CCNA & Exam NSE 4 ID-Networkers 1
November 27-28, 2023
17-18 Juli 2023 /
45 Training Cobit 2019 Inixindo 2
July 17-18, 2023
46 Training Culture Leader 2023 PWC 8 Juni 2023 / June 8, 2023 40
47 Training Culture Ranger 2023 BRI 8 Juni 2023 / June 8, 2023 134
11-19 Desember 2023 /
48 Training GCP Professional Cloud Developer Trainocate 3
December 11-19, 2023
20-24 Februari 2023 /
49 Training Payment Gateway Bank Raya 11
February 20-24, 2023
14-15 November 2023 /
50 Training Swift RMA Portal Bank Raya 8
November 14-15, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 175
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jumlah
Nama Pelatihan / Penyelenggara / Waktu Pelaksanaan / Peserta /
No.
Training Title Organizer Implementation Date Total
Participants
Undangan Pertemuan User Group SP dan FMI BI (BI RTGS, BI-SSSS, 4 November 2023 /
51 Bank Indonesia 3
BI-ETO, SKNBI dan BI Fast) Tahun 2023 November 4, 2023
5 Desember 2023 /
52 Webinar Coaching for Leader Korpora Consulting 39
December 5, 2023
24 November 2023 /
53 Webinar Hypnotic Persuasive Selling Korpora Consulting 113
November 24, 2023
22 Agustus 2023 /
54 Webinar Social Engineering : The Art Of Human Hacking Bank Raya 188
August 22, 2023
14-21 Agustus 2023 /
55 Workshop Migration Pinang to Core Banking Rayanet Bank Raya 8
August 14-21, 2023
Sejak tahun 2021 transformasi model bisnis yang diterapkan Since 2021, Bank Raya has been implementing a
oleh Bank Raya menuntut Bank untuk senantiasa melakukan business model transformation that requires continuous
perbaikan dan penyesuaian pada banyak aspek. Terutama improvements and adjustments in many aspects, especially
terkait penerapan TI yang dituntut untuk dapat memberikan on IT implementation which is crucial to provide full support
dukungan penuh guna menunjang model bisnis baru yang to the Bank’s new business model.
dijalankan oleh Bank.
Untuk itu, secara bertahap Bank melakukan proses Henceforth, the Bank gradually carries out adjustment which
penyesuaian. Di tahun 2023, Bank kembali menetapkan in 2023 focused on the following flagship programs:
sejumlah program prioritas, Direktorat IT antara lain:
1. Revamp and Migration Data Center 1. Data Center Revamp and Migration
2. IT Asset Management 2. IT Asset Management
3. Pengembangan Aplikasi Data Engineering & Monitoring 3. Development of Data Engineering & Monitoring Center
Center Application
4. Pengembangan Aplikasi Reporting Factory 4. Development of Reporting Factory Application
5. Enterprise Data Management 5. Enterprise Data Management
6. Rayamind Mobile for Digital Product (a.k.a Sales 6. Rayamind Mobile for Digital Product (a.k.a Sales Taskforce
Taskforce)
7. AI Center & Excellence 7. AI Center & Excellence
176 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Sebagai perusahaan yang bergerak di bidang perbankan As a digital banking entity, Bank Raya requires state-of-the-
digital, Bank Raya dituntut untuk selalu dapat memanfaatkan art information technology to support its operations. At
teknologi informasi terkini dalam rangka mendukung kinerja Bank Raya, IT management does not refer to conventional
operasional Bank. Bank Raya memahami tanggung jawab management approach where it becomes the responsibility
pengelolaan TI tidak bisa sepenuhnya diemban oleh unit/ of the unit/section/division in charge of IT Function as
bagian/divisi yang hanya khusus menangani TI secara the Bank believes that it should be the responsibility of
teknikal (IT Function) sebagaimana pendekatan manajemen various management parties. This ultimately led to a new
konvensional, namun juga harus menjadi tanggung jawab concept and paradigm called IT Governance or Information
berbagai pihak manajemen Bank. Latar belakang inilah yang Technology Management.
akhirnya melahirkan konsep dan paradigma baru dalam
mengelola Teknologi Informasi yang disebut dengan IT
Governance atau Tata Kelola Teknologi Informasi.
IT Governance merupakan suatu komitmen, kesadaran IT Governance is a commitment, awareness and process
dan proses pengendalian manajemen organisasi terhadap of organizational management control over IT resources/
sumber daya TI/ sistem informasi yang mencakup mulai dari information systems which include everything from software,
software, brainware, database dan sebagainya, hingga ke brainware, database, and the likes as well as Information
Teknologi Informasi dan Jaringan LAN/Internet. Pengertian Technology and LAN/Internet Networks. The “governance”
“governance” terhadap Teknologi Informasi (IT Governance) in Information Technology (IT Governance) is described as
yakni penerapan kebijakan TI dalam organisasi yang bertujuan implementation of IT policies in an organization which aims
agar pemakaian TI (berikut pengadaan dan pelayanannya) to ensure that the use of IT (including its procurement and
diarahkan sesuai dengan tujuan organisasi tersebut. services) is directed in accordance with the goals of the
organization.
Lebih lanjut, pengembangan IT Governance pada Bank Raya Furthermore, IT Governance development at Bank Raya
bertujuan untuk mendukung kinerja operasional dan bisnis aims to support its operational and business performance.
Bank. Adapun kebijakan IT Governance mencakup 5 (lima) The IT Governance policy covers 5 (five) key aspects, namely
aspek penting, yakni penetapan peran TI, perencanaan TI, IT role setting, IT planning, IT process and organization
kerangka kerja proses dan organisasi TI, pengelolaan proyek, framework, project management, IT risk management, as
pengelolaan risiko TI, serta penerapan IT Governance di sisi well as IT Governance implementation for infrastructure and
infrastruktur maupun aplikasi. Keberadaan IT Governance application. IT Governance is expected to optimize IT Process
atau Tata Kelola TI dinilai dapat mengoptimalkan penerapan (IT Activities) while saving operational costs and increasing
IT Process (IT Activities) sekaligus menghemat biaya the Bank’s competitiveness.
operasional dan meningkatkan daya saing Bank.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 177
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kualitas layanan menjadi aspek penting dalam meraih Service quality is essential for realizing the Bank’s
pencapaian Bank. Oleh karena itu, TI Bank Raya berfokus achievements. Therefore, Bank Raya’s IT focuses on providing
untuk memberikan layanan TI yang dapat diandalkan. Bank reliable IT services, namely through High Availability System
telah menerapkan strategi High Availability System dengan strategy by adopting cloud technology, developing new data
mengadopsi teknologi cloud, membangun data center baru, center, and continuing to modernize IT infrastructure and
dan terus memodernisasi infrastruktur dan keamanan TI. security.
Dalam rangka mendukung kinerja TI berjalan optimal, Bank Advanced IT performance at Bank Raya is supported by a real
Raya telah memiliki sistem yang bekerja secara real time time 24/7 system with optimal data analysis and artificial
dalam 24/7 dengan mengoptimalkan analisis data dan intelligence for preventive problem detection. This initiative
kecerdasan buatan untuk deteksi secara preventif masalah. allows the Bank to increase system availability, reliability and
Inisiatif ini memungkinkan Bank untuk meningkatkan security, while increasing capacity to serve more customers
ketersediaan, keandalan, dan keamanan sistem, sekaligus going forward.
meningkatkan kapasitas untuk melayani lebih banyak
nasabah di masa mendatang.
1. Credit scoring 1. Credit Scoring
Merupakan suatu metode untuk melakukan penilaian This approach is used to analyze consumers and
nasabah dan menentukan besar kredit yang diperbolehkan determine the amount of loan allowed In managing the
untuk meminimalisir risiko gagal bayar calon nasabah risk of default on potential customers applying for Pinang
yang akan mengajukan kredit produk Pinang di Bank loans at Bank Raya. In 2022, new BRILink agents carried
Raya. Pada tahun 2022, dilakukan pengembangan credit out credit scoring development to advance the Pinang
scoring untuk agen BRILink pemula untuk kepentingan Paylater product. In 2023, development of Credit Scoring
ekspansi produk Pinang Paylater. Selain itu, pada tahun was also carried out at Pinang Flexi and Pinang Dana
2023 juga dilakukan pengembangan Credit Scoring untuk Talangan.
Produk Pinang Flexi dan Pinang Dana Talangan
2. Peningkatan Performa Sistem Repayment Aplikasi Pinang 2. Improved Repayment System Performance for the Pinang
Flexi & Paylater Flexi & Paylater Application
Sistem repayment aplikasi Pinang Flexi & Paylater The latest version of the Pinang Flexi & Paylater
versi terbaru mampu memproses transaksi repayment application repayment system is capable of processing
dengan frekuensi besar dan dalam waktu yang cepat. repayment transactions with high frequency and in a
Pada sistem dapat dilakukan tuning terhadap konfigurasi short time. The system configuration can be tuned to
sistem sehingga system repayment aplikasi Pinang Flexi optimize server utility of the Pinang Flexi & Paylater
& Paylater bisa mengoptimalkan utilitas dari server. application repayment system.
178 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
3. Zero Fault Tolerant terhadap servis layanan Vendor. 3. Zero Fault Tolerant of Vendor services.
Pada aplikasi Raya 2.0, Pinang Flexi, dan Paylater yang Bank Raya’s flagship applications, namely Raya 2.0,
merupakan aplikasi andalan Bank Raya, telah diterapkan Pinang Flexi and Paylater, zero fault tolerance has been
zero fault tolerant untuk proses-proses penting yang implemented for important processes related to Vendor
berhubungan dengan service layanan vendor, seperti services, such as OTP, Liveness, & e-KYC processes.
proses OTP, Liveness, & e-KYC. Sehingga jika layanan Thus, if any are issues found in one vendor, the Bank can
dari salah satu vendor bermasalah, bisa dengan segera immediately switch to another vendor.
dilakukan switching ke layanan vendor lain.
5. Revamp & Migration Data Center 5. Revamp & Migration of Data Center
Merupakan enhancement yang dilakukan pada An enhancement of data center infrastructure for
infrastruktur data center yang menyediakan tingkat providing availability that is expected to bring excellent
availibility data center. service to customers.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 179
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank melakukan restrukturisasi manajemen data center The Bank’s data center management is carried out to enable
sehingga akses pada resource tertentu dapat dikelola dengan easy management of access to certain resources, namely
mudah, dimana developer, quality assurance engineer, developers, quality assurance engineer, operations which
operation dapat diatur dan dibatasi. Dengan demikian setiap can be regulated and limited. Thus, every process that runs
proses yang berjalan di environment development atau staging in the environment development or staging affects resource
mempengaruhi penggunaan resource dari production. Hal ini use from production. Thus, stability, accessibility, and
juga mampu menjaga kestabilan, availability dan reliability dependability of Bank Raya’s products may also be maintained.
produk dari Bank Raya. Perubahan manajemen data center ini In this regard, each Bank Raya product is relocated to
dilakukan dengan pemindahan tiap produk raya ke segmen a dedicated server segment. With the aforementioned
server tersendiri. Pemindahan ini dilakukan dengan migrasi factors in mind, this transition was completed by moving
ke public cloud dan colocation dengan pertimbangan di atas. to colocation and the public cloud. Restructuration of data
Restrukturisasi manajemen data center juga memberikan center management also facilitates costs management for
kemudahan dalam pengaturan cost yang dikeluarkan the organization with the ability to manage the use of existing
organisasi. Organisasi dapat mengatur penggunaan sumber resources using a new data center.
daya yang ada selama penggunakan data center yang baru.
Bank juga melakukan penguatan Security Monitoring Center As a measure to increase cyber security awareness, the
dan manajemen risiko keamanan siber untuk transaksi digital Bank also strengthens security Monitoring Center and cyber
sebagai langkah peningkatan kewaspadaan keamanan siber. security risk management for digital transactions. Bank
Untuk menjaga keamanan nasabah dari jangkauan pihak Raya uses Web Application Firewall for its applications to
tidak berwenang yang dapat merugikan baik dari segi materi comprehensively protecting customers from unauthorized
maupun reputasi, aplikasi Bank Raya secara keseluruhan parties who may cause material and reputational.
dilindungi oleh Web Application Firewall.
180 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Lebih lanjut, Bank juga melakukan pemantauan terhadap Furthermore, Bank Raya’s infrastructure is also monitored
infrastruktur Bank Raya secara real-time dengan 2 (dua) in real time with 2 (two) mechanisms, namely Security
mekanisme, yakni Security Operation Center dan Security Operation Center and Security Command Center. The
Command Center. Security Operation Center merupakan Security Operation Center is a work unit formed to monitor
satuan kerja yang dibentuk untuk mengawasi serangan attacks received throughout the Bank Raya perimeter 24/7
yang diterima di seluruh perimeter Bank Raya selama 24/7. while the Security Command Center functions to monitor
Sementara Security Command Center berfungsi melakukan and automatically analyze the security level of the Cloud
monitoring serta otomatis menganalisa tingkat keamanan Infrastructure which will produce reports and recommended
Cloud Infrastructure yang akan menghasilkan report dan actions that can be executed by the workers on duty.
rekomendasi tindakan yang dapat dieksekusi oleh pekerja
yang bertugas.
Di samping itu, Bank juga melakukan perlindungan For further protection of Bank Raya’s application and
terhadap aplikasi maupun infrastruktur Bank Raya. Secara infrastructure, the Bank proactively seeks existing
proaktif Bank mencari kelemahan yang ada dari perspektif weaknesses from different perspective compared to the
yang berbeda dari proses-proses sebelumnya. Kegiatan previous processes. This activity is intended for security
ini ditujukan untuk menguji keamanan dengan cara testing through outsider attack simulation.
mensimulasikan serangan dari sudut pandang outsider.
Untuk mengetahui sudut pandang penyerang yang bertujuan The Bank initiates vulnerability assessment to obtain
mengeksploitasi kelemahan Bank Raya demi keuntungan perspectives of attackers aiming to exploit Bank Raya’s
sendiri, Bank melakukan langkah inistiatif melalui kegiatan vulnerability for their own benefit. In this assessment, the
vulnerability assessment. Pada kegiatan tersebut penyerang attacker scanned for weaknesses throughout Bank Raya’s
melakukan scanning kelemahan yang ada di seluruh full perimeter. The Bank also carries out penetration testing
perimeter Bank Raya. Bank juga melakukan penetration where attackers look for loopholes to steal customer access
testing dimana penyerang mencari celah untuk mencuri for Bank Raya services. Reports are generated from these
akses nasabah agar dapat menggunakan layanan Bank Raya. initiatives which may serve as reference for Bank Raya
Dari kegiatan tersebut dihasilkan laporan yang dapat menjadi system improvement.
dasar perbaikan sistem Bank Raya.
Sementara itu, dari sudut pandang regulator dan pemegang In terms of regulators and stakeholders, the Bank routinely
kepentingan, Bank secara rutin menjalankan kegiatan carries out independent review and security posture
independent review dan security posture measurement. measurements. A thorough independent review is carried
Kegiatan independent review dilakukan oleh auditor secara out by auditors to ensure that Bank Raya services are in
menyeluruh guna memastikan layanan yang disediakan oleh accordance with security standards. Security posture
Bank Raya telah sesuai dengan standar keamanan. Kegiatan measurement is routinely carried out every 2 (two) to 3 (three)
security posture measurement, rutin dilakukan dalam days to ensure that the security of Bank Raya’s applications
waktu 2 (dua) hingga 3 (tiga) hari sekali guna memastikan and infrastructure is capable of dealing with typical attacks
bahwa keamanan aplikasi maupun infrastruktur Bank Raya on Bank Raya’s business model through comparison with a
sudah mumpuni dalam menghadapi serangan yang tipikal number organizations around the globe.
terhadap tipe bisnis yang dijalankan dalam Bank Raya dengan
melakukan perbandingan dengan beberapa organisasi di
seluruh dunia.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 181
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Program security awareness dilaksanakan secara rutin Security awareness carried out regularly to maintain
demi menjaga tingkat kesadaran pekerja atas bahaya dalam employee awareness about the risks in the digital world and
dunia siber dan menjadikan pekerja sebagai agen kesadaran to develop them into cybersecurity agents who can defend
cybersecurity yang dapat menjaga nasabah Bank Raya dari Bank Raya customers from the same danger.
ancaman yang sama.
Untuk memastikan semua risiko utama telah diidentifikasi To ensure that all major risks have been identified and
dan dikelola dengan baik, Divisi TI ADG berkolaborasi dengan managed properly, the IT Division ADG collaborates with the
Divisi ERM untuk melakukan risk register dan menjaga agar ERM Division for preparing risk register while always updating
risiko serta remediasinya agar selalu diperbaharui. Kemudian risk maintenance and management. The ERM Division shall
Divisi ERM akan melaporkan risiko-risiko utama kepada report major risks to the Board of Directors to be conveyed in
Direksi. Selanjutnya Direksi akan menyampaikan hal tersebut joint meeting with the Board of Commissioners.
pada rapat gabungan dengan Dewan Komisaris.
Rencana Pengembangan TI disusun dengan fokus pada In preparing the IT Development Plan, the focus is on
peningkatan kapabilitas dan keandalan teknologi informasi increasing the capability and reliability of information
demi mendukung pencapaian target dan strategi bisnis. technology to support the achievement of business targets
Berdasarkan rencana tersebut, Bank Raya telah menetapkan and strategies. Based on this plan, Bank Raya established a
serangkaian inisiatif TI yang bertujuan untuk meningkatkan series of IT initiatives aimed at improving customer services
layanan kepada nasabah serta mengoptimalkan proses and optimizing internal business processes.
bisnis internal.
Salah satu fokus utama dalam rencana TI adalah One of the IT plan’s main focuses is the new application and
pengembangan aplikasi dan fitur baru yang dapat memberikan feature developments that can provide added value for users.
nilai tambah bagi pengguna. Dalam upaya ini, Bank Raya With this effort, Bank Raya initiated different projects such
telah menginisiasi berbagai proyek seperti pengembangan as the Raya App development to provide customers with
Raya App yang bertujuan untuk memberikan kemudahan easy banking access through digital platforms. In addition to
akses perbankan kepada nasabah melalui platform digital. this, Bank Raya also continues developing new features such
Tak hanya itu, Bank Raya juga terus mengembangkan fitur- as improving the Saku feature to support customers’ daily
fitur baru seperti enhancement fitur Saku untuk mendukung transaction needs.
kebutuhan transaksi harian nasabah.
182 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TINJAUAN PENDUKUNG BISNIS
Business Support Review group
Dalam hal keamanan, Bank Raya terus meningkatkan Access In terms of security, Bank Raya continues to improve
Management dan Data Loss Prevention guna melindungi Access Management and Data Loss Prevention to protect
informasi sensitif nasabah dan menjaga integritas sistem sensitive customer information and maintain the bank’s
perbankan Bank. Di sisi infrastruktur dan keandalan sistem, banking system integrity. In terms of infrastructure and
Bank Raya fokus pada peningkatan ketersediaan layanan system reliability, Bank Raya focuses on increasing service
melalui pengembangan basis data serta optimalisasi availability through database development and cloud
infrastruktur cloud. Langkah ini diambil untuk memastikan infrastructure optimization. This step was taken to ensure
bahwa sistem perbankan Bank Raya dapat menangani jumlah that Bank Raya’s banking system is capable of handling the
transaksi yang semakin meningkat. growing number of transactions.
Tidak hanya fokus pada aplikasi dan infrastruktur, Bank Raya In addition to focusing on applications and infrastructure,
juga memperhatikan pengelolaan dan analisis data sebagai Bank Raya also focuses on data management and analysis as
bagian penting dari strategi bisnis. Bank mengembangkan an important part of business strategy. The Bank developed
layanan Self Service Data Analytics untuk memungkinkan the Self-Service Data Analytics service to enable faster
analisis data yang lebih cepat dan mandiri, serta and independent data analysis and integrate a data scoring
mengintegrasikan sistem skoring data untuk meningkatkan system to improve its customer insights. Bank Raya may
pemahaman terhadap pelanggan. Dengan memanfaatkan provide more personalized and relevant services to its
data secara efektif, Bank Raya dapat memberikan layanan customers by effectively utilizing data.
yang lebih personal dan relevan kepada nasabahnya.
Terakhir, Bank Raya juga berkomitmen untuk terus Lastly, Bank Raya also commits to continuously improving its
meningkatkan proses dan efisiensi operasional mereka. processes and operational efficiency. Through various tools
Melalui pengembangan berbagai alat dan sistem, seperti and system development, such as the operation digitization
digitalisasi dalam hal operasional dan peningkatan layanan and cash deposit service improvements. Bank Raya hopes to
setoran tunai. Dengan semua inisiatif ini, Bank Raya berharap be the first choice for its customers in this digital age with all
dapat tetap menjadi pilihan utama bagi nasabah di era digital these initiatives.
ini.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 183
ANALISIS DAN
PEMBAHASAN
MANAJEMEN
Management Discussion and Analysis
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
186 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
(World Economic Outlook, Januari 2024). Inflasi yang tinggi 2023, especially in advanced economies along with a number
khususnya pada kelompok negara maju memperlihatkan of central banks continuing to maintain high interest rates.
adanya penurunan pada paruh kedua 2023, dengan sejumlah
bank sentral tetap mempertahankan tingkat suku bunga
yang tinggi.
Terdapat sejumlah tantangan yang dihadapi mencakup The global economy also faced a number of challenges,
konflik geopolitik yang menghadirkan ketegangan di antara including geopolitical conflicts causing tensions to arise
sejumlah negara. Konflik yang terjadi pada wilayah Ukraina, between countries. For instance, the conflict in Ukraine
misalnya, memicu berlanjutnya disrupsi atas rantai pasok triggered continued disruption of supply chains and instability
dan ketidakstabilan harga sejumlah komoditas, mencakup in the prices of a number of commodities, including food and
komoditas pangan dan energi. Di samping itu, ekonomi global energy. Furthermore, climate change also caused disruption
juga menghadapi faktor perubahan iklim yang menyebabkan in the form of extreme weather and natural disasters, which
gangguan berupa cuaca ekstrem dan bencana alam, yang impact economic recovery after the Covid-19 pandemic.
memberi pengaruh terhadap pemulihan ekonomi pasca Consequently, these challenges lead to uneven economic
pandemi Covid-19. Tantangan-tantangan tersebut kemudian growth in various nations across the world.
menyebabkan pertumbuhan ekonomi negara-negara dunia
terealisasi dengan tidak merata.
Di tengah situasi tersebut, kawasan ASEAN-5 Amidst of such conditions, the ASEAN-5 region shows
memperlihatkan tingkat resiliensi yang baik. Pertumbuhan great resilience. Economic growth is projected to reach
ekonomi diproyeksi mampu mencapai 4,2% atau lebih 4.2% or 1.2% higher than projected world economic growth
tinggi 1,2% dibanding proyeksi pertumbuhan ekonomi dunia (World Economic Outlook, January 2024). Other indicators
(World Economic Outlook, Januari 2024). Indikator lain yang include manufacturing activities in ASEAN countries which
dapat dilihat mencakup kegiatan manufaktur pada negara- are relatively expansive, especially in Indonesia and the
negara ASEAN yang relatif ekspansif, utamanya di Indonesia Philippines, compared to the G7 and G20 countries which are
dan Filipina, dibanding kelompok negara G7 dan G20 yang weakening due to inflation and high interest rates. Indonesia,
melemah seiring inflasi dan suku bunga tinggi. Indonesia, as part of ASEAN, was able to record a Manufacturing PMI
sebagai bagian dari ASEAN, mampu mencatatkan PMI in the expansionary zone for 28 months, with the index in
Manufaktur pada zona ekspansif selama 28 bulan, dengan December 2023 reaching 52.2.
indeks pada Desember 2023 mencapai 52,2.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 187
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Selain tingkat PMI Manufaktur yang ekspansif, resiliensi Besides the expansive Manufacturing PMI level, national
ekonomi nasional juga tercermin melalui berbagai indikator economic resilience is also reflected through various other
lain. Merujuk pada informasi yang dirilis Kementerian indicators. Referring to the Indonesian Ministry of Finance,
Keuangan RI, konsumsi listrik masyarakat tercatat tumbuh public electricity consumption was recorded to have grown
14% untuk bisnis dan 6,7% untuk industri, di samping Indeks 14% for business and 6.7% for industry, in addition to the
Keyakinan Konsumen yang terealisasi cukup tinggi di angka Consumer Confidence Index with high figures at 123.6.
123,6. Situasi tersebut juga mendorong penurunan tingkat This situation also pushed the open unemployment rate to
pengangguran terbuka ke level 5,32% pada Agustus 2023, decrease to 5.32% in August 2023, compared to the same
dibanding periode yang sama pada tahun sebelumnya yang period in the previous year which reached 5.86%.
mencapai 5,86%.
Ekonomi Indonesia mampu tumbuh secara baik antara lain Indonesia’s economy was able to record positive growth
didukung permintaan domestik, seiring tingkat konsumsi supported by, among others, domestic demand as the level
rumah tangga dan investasi yang tumbuh sejalan dengan of household consumption and investment grows in line with
berlanjutnya penyelesaian Proyek Strategis Nasional (PSN). the continued completion of the National Strategic Project
Pada 2023, konsumsi rumah tangga tumbuh 4,82% (yoy) (PSN). In 2023, household consumption grew 4.82% (yoy) and
dan tingkat investasi tumbuh 17,5% (yoy) (Badan Koordinasi investment levels grew 17.5% (yoy) (Investment Coordinating
Penanaman Modal, Januari 2024). Selain itu, kinerja ekspor Board, January 2024). In addition, export performance was
tercatat baik seiring peningkatan permintaan sejumlah mitra recorded as good as demand increased from a number of
dagang utama, mencakup Amerika Serikat dan India, dengan major trading partners, including the United States and India,
realisasi ekspor yang tumbuh 1,32% (yoy) . with export realization growing 1.32% (yoy).
Guna menjaga stabilitas ekonomi, Bank Indonesia (BI) sebagai As an effort to maintain economic stability, Bank Indonesia
regulator memutuskan untuk mempertahankan BI-Rate (BI) as the regulator decided to maintain the BI-Rate at 6.00%
sebesar 6,00% pada Desember 2023. Arah kebijakan tersebut in December 2023. This policy direction also reflects BI’s
sekaligus memperlihatkan upaya BI untuk memperkuat efforts to strengthen the stability of the Rupiah exchange
stabilitas nilai tukar Rupiah, serta berperan sebagai langkah rate for being a pre-emptive and forward-looking measure
pre-emptive dan forward looking dalam memastikan inflasi to ensure inflation remains under control in 2024. The rupiah
tetap terkendali pada 2024. Nilai tukar rupiah pada posisi 20 exchange rate as of December 20, 2023 was recorded to have
Desember 2023 tercatat menguat secara rata-rata sebesar strengthened on average by 0.44% compared to November
0,44% dibanding pada November 2023, serta menguat 0,37% 2023, and strengthened 0.37% compared to December 2022.
dibanding pada Desember 2022.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Sebagai dukungan bagi sektor industri selama berlangsungnya As support for the industrial sector during the Covid-19
pandemi Covid-19, Otoritas Jasa Keuangan (OJK) pandemic, the Financial Services Authority (OJK)
memberlakukan kebijakan relaksasi restrukturisasi kredit implemented a loan restructuring relaxation policy until
hingga Maret 2023, serta memperpanjang pemberlakukan March 2023 and extended the implementation of the
kebijakan tersebut bagi sektor tertentu hingga Maret 2024. policy for certain sectors until March 2024. This presents
Hal ini menghadirkan risiko bagi kinerja kualitas kredit serta risks for credit quality performance and banking financial
kinerja keuangan perbankan secara umum. Sampai dengan performance in general. As of the end of 2023, the banking
akhir 2023, industri perbankan mampu merespons tantangan industry was able to respond well to these challenges as
ini secara baik, tercermin pada tingkat profitabilitas dan reflected in the level of profitability and banking capital
permodalan perbankan yang secara umum tetap terjaga. which was generally maintained.
Seiring stabilitas pertumbuhan ekonomi makro dan daya In line with the stability of macroeconomic growth and the
tahan industri perbankan, jumlah kredit restrukturisasi resilience of the banking industry, the sum of Covid-19
Covid-19 turun menjadi Rp251,21 triliun dengan jumlah restructuring loans fell to Rp251.21 trillion with the number of
nasabah turun menjadi 977 ribu nasabah pada posisi customers dropping to 977 thousand customers in January
Januari 2024. OJK sebagai regulator memastikan kesiapan 2024. OJK as the regulator ensured banking preparedness
perbankan menghadapi berakhirnya restrukturisasi dengan in facing the end of restructuring by encouraging banks
mendorong bank membentuk pencadangan yang memadai. to establish adequate reserves. At the end of 2023, the
Pada akhir 2023, cadangan kerugian penurunan nilai allowance for impairment losses (CKPN) established by banks
(CKPN) yang dibentuk bank tercatat relatif stabil, sekaligus were recorded as relatively stable, while reflecting good
mencerminkan antisipasi yang baik dari industri perbankan anticipation from the banking industry in mitigating potential
dalam memitigasi potensi risiko kredit. credit risks.
Menyusul proses transformatif untuk hadir sebagai bank Following a transformative process to emerge as a digital
digital, Bank menerapkan kebijakan-kebijakan strategis guna bank, the Bank implemented strategic policies to support the
mendukung pencapaian visi menjadi “The Best Digital Bank by achievement of its vision of becoming “ The Best Digital Bank
Becoming House of Fintech & Home for Gig Economy”. Pada by Becoming House of Fintech & Home for Gig Economy”.
jangka pendek, pencapaian visi Bank tersebut dijabarkan In the short term, the achievement of the Bank’s vision is
melalui penyusunan sasaran kinerja dan kebijakan strategis outlined through the preparation of annual performance
yang diterapkan secara tahunan, termuat pada dokumen targets and strategic policies in the Bank Business Plan (RBB).
Rencana Bisnis Bank (RBB). Terkait hal itu, Bank memastikan In this regard, the Bank ensures that the performance targets
sasaran kinerja dan kebijakan strategis yang termuat pada and strategic policies in the Bank Business Plan have been
Rencana Bisnis Bank telah disusun berdasarkan ketentuan prepared based on applicable regulations through active
yang berlaku, melalui pengawasan aktif oleh Dewan supervision by the Board of Commissioners in accordance
Komisaris, sesuai Peraturan OJK Nomor 5/POJK.03/2016 with OJK Regulation No. 5/POJK.03/2016 on Bank Business
tentang Rencana Bisnis Bank. Plans.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sesuai RBB yang telah disusun, Bank Raya menerapkan In accordance with the RBB, Bank Raya implemented a
sejumlah kebijakan strategis pada 2023, dengan fokus-fokus number of strategic policies in 2023 with the following main
utama sebagai berikut: focuses:
1. Menjadi Bank digital yang memiliki fokus utama dalam 1. Becoming a digital bank that has a main focus on financing
pembiayaan di sektor Gig Economy dan Fintech dengan in the Gig Economy and Fintech sectors with digital
produk dan layanan digital dan menjaga profitability products and services and maintaining profitability in
aspek prudential banking. prudential banking aspects.
2. Mengembangkan digital internal capability melalui 2. Develop digital internal capability through developing
pengembangan talent, database, infrastruktur teknologi talent, databases, information technology infrastructure
informasi, dan organisasi perusahaan. and company organization.
3. Mengembangkan basis ekosistem kerjasama dengan 3. Develop an ecosystem base for collaboration with third
pihak ketiga dalam membangun digital ecosystem parties in building a digital ecosystem, especially the Gig
khususnya segmen Gig Economy dan Fintech. Economy and Fintech segments.
4. Melaksanakan proses revamp baik portfolio, jaringan 4. Perform a revamp for portfolio, work network and HR.
kerja, dan SDM.
5. Menerapkan Tata Kelola Perusahaan yang baik (Good 5. Implement Good Corporate Governance
Corporate Governance)
Secara sistematis, Bank Raya mengimplementasikan upaya- Systematically, Bank Raya implements strategic means
upaya strategis berdasarkan pilar-pilar strategi dan enablers, based on strategic pillars and enablers, with the following
dengan uraian sebagai berikut: description:
1. Pilar Digital 1. Digital Pillar
a. Melakukan pengembangan produk dan fitur produk a. Continuously develop digital products and product
digital, baik digital lending maupun digital saving features, both digital lending and digital saving in
secara berkelanjutan dan sesuai dengan kebutuhan accordance with the needs of the Bank’s target
target market Bank. market.
b. Melakukan pengembangan Open API, sehingga b. Conduct Open API development so that the Bank’s
produk digital bank dapat terintegrasi dengan seluruh digital products can be integrated with all products
produk dari ecosystem partnership secara seamless. from ecosystem partners seamlessly.
c. Melakukan research dan market fit secara berkala, c. Conduct research and market fit periodically to see
untuk dapat melihat kebutuhan terkini dari target the latest needs of the Bank’s target market so that
market bank, sehingga produk digital bank dapat the Bank’s digital products can be well received.
diterima dengan baik.
190 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
c. Selanjutnya terdapat beberapa produk legacy yang c. Furthermore, there are several legacy products that
akan dilakukan digitalisasi dalam proses bisnisnya. will be digitized in their business processes.
4. Enabler 4. Enabler
a. Memperluas ekosistem partnership melalui a. Expand the partnership ecosystem through
kerjasama dengan perusahaan BUMN, Swasta, cooperation with state-owned companies, private
Instansi Pemerintah, dan komunitas - komunitas companies, government agencies, and business
bisnis. Karena ekosistem tersebut merupakan growth communities. Because the ecosystem is a growth
driver bagi pertumbuhan produk digital bank. driver for the Bank’s digital products.
b. Memperkuat kapasitas dan kapabilitas digital bank b. Strengthen the Bank’s digital capacity and capability
dengan memperkuat infrastruktur IT, data, talent, by strengthening IT infrastructure, data, talent, and a
dan organisasi yang lebih agile dan adaptive. more agile and adaptive organization.
c. Mengutamakan Good Corporate Governance (GCG) c. Prioritize Good Corporate Governance (GCG) in the
dalam proses operasional dan bisnis bank, dengan Bank’s operational and business processes, while still
tetap menerapkan prinsip kehati-hatian, 5C, dan four applying the principles of prudence, 5C, and four eyes
eyes principle. principle.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pada 2023, Bank Raya menerapkan aktivitas pemasaran yang In 2023, Bank Raya implemented marketing activities with a
utamanya berfokus pada sejumlah strategi sebagai berikut: primary focus on the following strategies:
1. Digital Lending 1. Digital Lending
a. Pinang Maksima a. Pinang Maxima
• Mendukung perkembangan bisnis dan • Support business development and improvement
peningkatan KYD Pinang Maksima dengan tetap of KYD Pinang Maksima while still paying attention
memperhatikan prinsip kehati-hatian dan asas- to the principle of prudence and sound lending
asas perkreditan yang sehat dengan salah satu principles with one of the closed loop ecosystem
strategi pembiayaan closed loop ecosystem. financing strategies.
• Mengakomodasi kebutuhan debitur potensial • Accommodate the needs of potential debtors so
Bank Raya agar dapat tetap dilayani. that Bank Raya can continue to be served.
• Menangkap potensi segmen ritel yang belum • Capture the potential of the retail segment that
diakomodir oleh program Pinang Maksima has not been accommodated by the previous
sebelumnya sehingga diharapkan dapat Pinang Maksima program so that it is expected to
mengalami pertumbuhan secara eksponensial. experience exponential growth.
• Pengembangan program pemasaran dalam • Develop marketing programs in terms of
hal variasi gimmick dan fitur yang merupakan variations of gimmicks and features which are
pengembangan atau produk turunan dari Pinang developments or derivative products from Pinang
Maksima. Maksima.
• Membuka perluasan ekspansi pinjaman Pinang • Open up Pinang Maksima loan expansion by
Maksima dengan menggandeng ekosistem bisnis collaborating with the digital business ecosystem
digital perusahaan induk beserta anak perusahaan of the parent company and its subsidiaries and
dan grup perusahaannya. group companies.
• Mendorong ekspansi pinjaman Pinang Maksima • Encourage the expansion of Pinang Maksima
secara kemitraan dengan pola kerjasama loans in partnership with a cooperation pattern
menggandeng partner dan klasifikasi partner of collaborating with partners and quality partner
yang berkualitas. classification.
• Melakukan pengembangan sistem reward dan • Develop a reward and referral system for
referral bagi tenaga pemasar untuk meningkatkan marketers to increase sales militancy for Pinang
militansi penjualan produk Pinang Maksima. Maksima products.
192 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
• Pada pelaksanaan program Pinang Maksima, RM • In implementing the Pinang Maksima program, RM
akan melakukan bundling dengan produk Bank will bundle it with other Bank Raya products such
Raya lainnya seperti produk simpanan maupun as savings and other loan products and encourage
pinjaman lainnya serta mendorong debitur untuk debtors to of active transactions.
aktif bertransaksi di dalamnya.
b. Pinang Performa b. Pinang Performa
• Enhance dan improvement existing digitize • Enhance and improve existing digitize Community
proses pinjaman berbasis Community Branch Led Branch Led Acquisition based loan processes.
Acquisition.
• Pengembangan bisnis model berbasis Ecosystem • Develop an Ecosystem Led Acquisition business
Led Acquisition yang bekerjasama dengan Digital model in collaboration with Digital Partners and
Partner dan Non Digital Partner. Non-Digital Partners.
• Melakukan integrasi secara digital API Based/ • Digitally integrate API Based/webview for
webview untuk Digital Partner dan digitize process Digital Partners and digitize processes for Non-
untuk Non Digital Partner agar dapat berkolaborasi Digital Partners so they can collaborate with
dengan berbagai Partner untuk mendukung various Partners to support exponential credit
eksponensial penyaluran kredit. distribution.
• Mengoptimalkan potensi bisnis dari Agen BRILink, • Optimize the business potential of BRILink
dengan menyediakan produk pinjaman produktif Agents, by providing productive loan products for
untuk Agen BRILink. BRILink Agents.
c. Pinang Flexi c. Pinang Flexi
• Pengembangan Pinang Flexi Webview sehingga • Development of Pinang Flexi Webview so that
Nasabah dapat melakukan pengajuan Pinang customers can apply for Pinang Flexi via the
Flexi melalui aplikasi Partner. Partner application.
• Pengembangan Pinang Flexi Kasbon sebagai • Development of Pinang Flexi Kasbon as product
diversifikasi produk untuk payroll perusahaan diversification for company payroll as well as
serta menggarap potensi untuk penyaluran ke working on the potential for distribution to
pekerja informal. informal workers.
• Pengembangan Pinang Flexi Extra untuk • Development of Pinang Flexi Extra to exploit
menggarap potensi penyaluran Pinjaman untuk the potential for disbursing loans to permanent
Pekerja tetap dengan tenor yang s/d 15 tahun dan workers with a tenor of up to 15 years and a ceiling
Plafond s/d Rp. 500 juta. of up to Rp. 500 million.
• Implementasi Pinang Flexi kerjasama untuk • Implementation of Pinang Flexi collaboration to
mengakuisisi pinjaman Pinang Flexi melalui acquire Pinang Flexi loans through a company
program kerjasama perusahaan. collaboration program.
• Memperluas target market tidak hanya terbatas • Expansion of target market is not only limited to
pada pekerja yang masih aktif, namun juga kepada workers who are still active, but also to workers
pekerja yang telah masuk dalam masa purnabakti/ who have retired.
pensiun.
d. Pinang Dana Talangan d. Pinang Dana Talangan
• Peningkatan akuisisi debitur dengan • Increase debtor acquisition by developing the
pengembangan program Pinang Dana Talangan Pinang Dana Bailout program which can be
yang dapat diakses melalui API based & web accessed via API based & web based.
based.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• Pengembangan variable rate dengan tempo • Develop a variable rate with a flexible daily tempo
harian yang fleksibel sesuai dengan kebutuhan according to the needs of agents in the field, a
agen di lapangan maksimal 30 hari. maximum of 30 days.
• Inisiasi partnership dengan pihak ketiga untuk • Initiate partnerships with third parties to increase
peningkatan outstanding Pinang Dana Talangan outstanding Pinang Dana Talangan for product
untuk referral produk. referrals.
• Peningkatan outstanding melalui event based & • Increase outstanding through event based &
onsite selling “Pinang Raya Event” Cabang di Unit onsite selling “Pinang Raya Event” Branch at Bank
Kerja Bank Raya. Raya Work Unit.
e. Pinang Connect e. Pinang Connect
• Menggandeng business partner yang telah • Collaborate with business partners who already
memiliki basis customer yang besar dengan have a large customer base with a close loop
model bisnis close loop ecosystem dengan produk ecosystem business model with agency products,
keagenan, fintech, ride hailing, marketplace, food fintech, ride hailing, marketplace, food & beverage
& beverage dan ekosistem lainnya. and other ecosystems.
• Menjadi Bank as a Services dengan menggunakan • Become a Bank as a Service by using Open API
layanan Open API untuk menjadi House of Fintech. services to become a House of Fintech.
• Memaksimalkan kolaborasi dengan BRI sebagai • Maximize collaboration with BRI as the Parent
Induk untuk mengembangkan ekosistem bisnis to develop the existing business ecosystem and
yang telah ada dan menggali bisnis turunan untuk explore derivative businesses for the BRI Bank
ekosistem Bank BRI. ecosystem.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3. Saving 3. Saving
a. Peningkatan Dana Pihak Ketiga melalui Penambahan a. Increase in Third Party Funds through the addition
New CIF dan Top Up Saldo Nasabah yang bersaldo Rp of New CIF and Top Up of Customer Balances with a
0,-. balance of Rp0.
b. Meningkatkan CASA (Tabungan dan Giro) melalui b. Increase CASA (Current Accounts Savings Accounts)
program gimmick kepada nasabah. through gimmick programs for customers.
c. Peningkatan Transaksi CMS melalui aktivasi user c. Increase CMS Transactions through passive user
pasif. activation.
d. Melakukan pengembangan digital saving tidak d. Develop digital savings not only for individual types of
hanya untuk jenis simpanan individu namun untuk savings but also for business and company/corporate
kebutuhan bisnis dan perusahaan/corporate. needs.
e. Channel pemasaran digital saving akan dilakukan baik e. Saving digital marketing channels will be carried out
oleh unit kerja Raya (Community Branch), kerjasama both by the Raya work unit (Community Branch), in
dengan partner serta digital marketing. collaboration with partners and digital marketing.
f. Melakukan pengembangan fitur yang menyesuaikan f. Develop features that suit the needs of the Gig
kebutuhan target pasar Gig Economy dengan pilihan Economy target market with a choice of various types
jenis tabungan beragam dengan suku bunga menarik. of savings with attractive interest rates.
196 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
g. Pengembangan Saku Bisnis beserta fiturnya yang g. Saku Bisnis development and its features that allow
memungkinkan customer untuk memisahkan customers to separate their financial management
pengelolaan keuangannya
h. Pengembangan corporate saving guna memudahkan h. Develop corporate savings to make it easier for
nasabah corporate dalam pengelolaan keuangannya. corporate customers to manage their finances.
i. Melakukan pengembangan platform yang atraktif i. Develop an attractive platform including personal
meliputi personal financial management, gamifikasi financial management, gamification to increase
untuk meningkatkan ketertarikan nasabah dalam customer interest in increasing savings balances,
meningkatkan saldo tabungan, berbagai promo various discount promos, vouchers, cashback from
diskon, voucher, cashback, dari merchant yang collaborating merchants and ease of setting financial
bekerja sama serta kemudahan dalam mengatur limit transaction limits.
transaksi keuangan.
j. Menciptakan produk yang cepat, aman, handal, j. Create products that are fast, safe, reliable, without
tanpa biaya tersembunyi, fitur, dan promo yang hidden costs, features and promotions that continue
terus berkembang, serta memberikan kualitas yang to develop, and provide maximum quality customer
maksimal terhadap pelayanan nasabah. service.
k. Improvement kode referral yang memungkinkan k. Improve referral code which allows customers to
nasabah dapat disburse reward secara langsung atas disburse rewards directly for these referrals.
referral tersebut.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
l. Bekerjasama dan berkolaborasi dengan partner l. Cooperate and collaborate with investment partners
investasi untuk memungkinkan adanya kerjasama to enable collaboration in purchasing investment
pembelian product investasi. products.
m. Mengintegrasikan pembukaan Pinang dengan Digital m. Integrate Pinang application with Digital Saving.
Saving.
Bank Raya melakukan pemetaan terhadap pangsa pasar Bank Raya regularly maps its market share by comparing
Bank secara periodik, yaitu melalui perbandingan terhadap Bank Group with Stock Capital (KBMI) 1 with the Bank’s
Kelompok Bank dengan Modal Inti (KBMI) 1, dengan pangsa market share in the 2022-2023 period which can be seen in
pasar Bank pada periode 2022-2023 dapat dilihat pada tabel the following table:
berikut:
Bank Raya 12 14
Pangsa Pasar Bank Raya / Bank Raya’s Market Share 0,90% 0,97%
Bank Raya 8 10
Pangsa Pasar Bank Raya / Bank Raya’s Market Share 0,89% 1,01%
Bank Raya 7 8
Pangsa Pasar Bank Raya / Bank Raya’s Market Share 0,91% 1,04%
198 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
TINJAUAN OPERASIONAL
Operational Overview
Bank Raya merupakan entitas usaha yang beroperasi pada As a banking entity, Bank Raya has main services in the form of
bidang jasa perbankan, dengan layanan utama berupa produk savings products and lending products, as well as supporting
simpanan dan produk kredit, serta usaha penunjang berupa businesses in the form of treasury activities. Description on
kegiatan treasury. Pemaparan terkait produk simpanan, savings products, lending products and treasury business
produk kredit, dan usaha treasury yang dilakukan Bank pada carried out by the Bank in 2023 is as follows.
2023 adalah sebagai berikut.
Beragam variasi produk giro, tabungan, dan deposito Bank Raya has a variety of current accounts, savings account,
yang ditawarkan Bank Raya dapat dilihat pada bab Profil and deposit products which can be seen in the Company
Perusahaan subbagian Produk dan Jasa. Profile chapter, Products and Services subsection.
Untuk mencapai tujuan tersebut, strategi yang akan dilakukan To achieve this goal, Bank Raya will implement the following
Bank Raya adalah sebagai berikut: strategies:
1. Akuisisi Dana Pihak Ketiga dengan memfokuskan pada 1. Acquisition of Third Party Funds by focusing on increasing
peningkatan persentase CASA (Tabungan dan Giro). the CASA (Current Account Saving Account) percentage.
2. Memaksimalkan penghimpunan Dana Pihak Ketiga 2. Maximize the collection of Third Party Funds with
dengan penawaran pricing yang bersaing. competitive pricing offers.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3. Meningkatkan product awareness terkait digital saving 3. Increase product awareness regarding digital savings to
kepada nasabah sehingga dapat memperkuat corporate customers so that it can strengthen the corporate brand
brand sebagai Bank Digital. as a Digital Bank.
4. Penyusunan pengembangan produk dan atau program 4. Prepare product development and/or marketing
pemasaran untuk meningkatkan loyalitas nasabah programs to increase existing customer loyalty with
eksisting dengan pelayanan yang lebih baik. better service.
5. Berkolaborasi dengan BRI Group untuk memaksimalkan 5. Collaborate with BRI Group to maximize meeting
pemenuhan kebutuhan nasabah. customer needs.
Selain produk simpanan Dana Pihak Ketiga tersebut diatas, Apart from the aforementioned Third Party Fund savings
terdapat pengembangan produk baru guna mengoptimalkan products, there are new product developments to optimize
pemenuhan kebutuhan nasabah Bank Raya, diantaranya meeting the needs of Bank Raya customers, including
adalah Kartu Kredit Co Branding Bank Raya dan Kartu the Bank Raya Co Branding Credit Card and the BRIZZI Co
Elektronik BRIZZI Co Branding Bank Raya. Branding Bank Raya Electronic Card.
Kartu kredit dan kartu elektronik BRIZZI Bank Raya BRIZZI Bank Raya credit cards and electronic cards in
berkolaborasi dengan perusahaan induk yaitu BRI, ditawarkan collaboration with the parent company, BRI, are offered with
dengan kelebihan yang optimal untuk meningkatkan brand optimal advantages to increase brand awareness and loyalty
awareness dan loyalitas nasabah Bank Raya. Selain itu of Bank Raya customers. Apart from that, development of
pengembangan untuk produk digital akan terus dilakukan digital products will continue to be carried out according to
sesuai dengan kebutuhan nasabah. customer needs.
Kinerja Dana dan Jasa 2023 Performance of Funds and Services in 2023
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Giro / Current Account 841.131 1.515.891 (674.760) -44,51%
Pada posisi 31 Desember 2023, Bank Raya mencatatkan As of December 31, 2023, Bank Raya recorded total customer
Jumlah Simpanan Nasabah mencapai Rp8.185,98 miliar, deposits reaching Rp8,185.98 billion, a decrease of Rp1,628.93
menurun sebesar Rp1.628,93 miliar atau 16,60% dibanding billion or 16.60% compared to the total of Rp9,814.90 billion
pada akhir 2022 yang sejumlah Rp9.814,90 miliar. Penurunan at the end of 2022. This decrease was directly proportional
tersebut berbanding lurus dengan rencana kebijakan to management’s policy plans regarding the cost of funds,
manajemen yang sangat concern dengan biaya dana, rasio liquidity ratios, total loans, and profit and loss. The correlation
likuiditas, KYD, dan Laba rugi. Korelasi antar beberapa poin between these multiple points leads to an emphasis on
tersebut menghasilkan penekanan terhadap dana mahal yang high-cost funds which must be reduced in number and a
harus dikurangi jumlahnya dan menstimulasi terhadap dana- stimulation of low-cost funds to achieve positive CASA.
dana murah untuk menggapai CASA yang positif. Menghadapi Maintaining the TPF liquidity ratio at a reasonable level of
isu global terkait likuiditas, beberapa poin penting dari Bank 76%-80% to total loans are some key points for Bank Raya
Raya ialah tetap menjaga rasio likuiditas DPK dalam tahap given the global liquidity issues.
kewajaran dengan ambang batas 76%-80% terhadap KYD.
200 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Atas perolehan tersebut, Produk Deposito masih merupakan With this achievement, Deposit Products maintained its
kontributor terbesar simpanan nasabah Bank Raya pada position as the largest contributor to Bank Raya customer
2023, dengan persentase 72,68% dari total simpanan savings in 2023, covering 72.68% of total customer savings.
nasabah.
Bank Raya mencatatkan jumlah dana pihak ketiga yang Thirid party funds collected by the Bank from Current
dihimpun Bank dari produk Giro pada 2023 sejumlah Account products in 2023 amounted to Rp841.13 billion, a
Rp841,13miliar. Perolehan tersebut menunjukkan penurunan decrease of Rp674.76 billion or 44.51% compared to 2022
Rp674,76 miliar atau sebesar 44,51% dibanding pada 2022 which was Rp1,515.89 billion. This decline was mainly caused
yang sejumlah Rp1.515,89 miliar. Penurunan tersebut by the Digital Transformation carried out. Therefore, Bank
terutama disebabkan oleh Transformasi Digital yang Raya limited legacy credit expansion in order to align its
dilakukan sehingga Bank Raya membatasi ekspansi kredit asset and liability portfolio.
legacy dalam rangka penyelarasan portofolio aset dan
liabilitas.
Tabungan Savings
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Pihak Ketiga / Third Party
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 201
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Tabunganku 1 1 - 0,00%
Bank Raya mencatatkan jumlah dana pihak ketiga yang Bank Raya recorded the amount of third party funds collected
dihimpun dari produk Tabungan sejumlah Rp1.395,62 miliar, from savings products amounting to Rp1,395.62 billion, a
menurun Rp192,77 miliar atau 12,14% dibanding pada 2022 decrease of Rp192.77 billion or 12.14% compared to 2022
yang sejumlah Rp1.588,39 miliar. Penurunan tersebut which amounted to Rp1,588.39 billion. This decrease was
terutama disebabkan oleh Bank Raya masih berfokus pada largely due to Bank Raya’s continued focus on Digital Savings,
Tabungan Digital sehingga masih dilakukan konversi dari resulting in conversions still being made from Conventional
Tabungan Konvensional ke Digital Saving. Savings to Digital Savings.
Deposito Deposit
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Pihak Ketiga / Third Party
Pada 31 Desember 2023, Bank Raya mencatatkan jumlah dana On December 31, 2023, Bank Raya recorded third party funds
pihak ketiga melalui produk Deposito sejumlah Rp5.949,23 through Deposit products of Rp5,949.23 billion, showing
miliar. Perolehan tersebut menunjukkan penurunan a decrease of Rp761.40 billion or 11.35% compared to
Rp761,40 miliar atau 11,35% dibanding pada 2022 yang Rp6,710.62 billion in 2022. The decrease in deposits in 2023
sejumlah Rp6.710,62 miliar. Penurunan Deposito di tahun was due to the ongoing revamp process in work units with
2023 disebabkan oleh strategi Bank Raya untuk lebih fokus deposit guarantees and Bank Raya focused more on raising
menggalang dana murah terutama dengan pengembangan low-cost funds, especially by developing savings features on
fitur simpanan pada Raya Apps. the Raya Digital application.
202 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Terkait hal tersebut, pengungkapan jumlah pengguna layanan In this regard, disclosure of the number of savings product
produk simpanan pada 2022-2023 dapat dilihat pada tabel users in 2022-2023 can be seen in the following table:
berikut:
Dalam satuan pengguna In users
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Kartu ATM / ATM Card 92.946 111.949 -19.003 -16,97%
Setelah bertransformasi sebagai bank digital, Bank After transforming into a digital bank, the Bank expanded
melakukan ekspansi terhadap kredit berbasis digital, dengan its digital-based loans while maintaining asset quality and
tetap mempertahankan kualitas aset serta optimalisasi optimizing legacy business recovery (Medium-Sized Loans,
recovery bisnis legacy (kredit menengah, kredit ritel, kredit Retail Loans, Consumer Loans).
konsumer).
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 203
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Rupiah
Sindikasi / Syndication - - - -
Rupiah
Jumlah Penyaluran Pinjaman / Total Loans Disbursed 6.893.331 7.766.644 (873.313) -11,24%
Cadangan Kerugian Penurunan Nilai / Allowance for
(898.661) (1.321.540) 422.879 -32,00%
Impairment Losses
Jumlah Penyaluran Pinjaman – Neto /
5.994.670 6.445.104 (450.434) -6,99%
Total Loans Disbursed - Net
Bank Raya mencatatkan jumlah kredit yang diberikan – neto Bank Raya recorded that the amount of credit provided – net
pada 2023 mencapai Rp5.994,67 miliar, menurun sebesar in 2023 reached Rp5,994.67 billion, a decrease of Rp450.43
Rp450,43 miliar atau turun 6,99% dibanding pada 2022 yang billion or down by 6.99% compared to the total of Rp6,445.10
sejumlah Rp6.445,10 miliar. Penurunan tersebut disebabkan billion in 2022. This decrease was due to Bank Raya’s
transformasi Bank Raya yang fokus pada produk digital dan transformation which focused on digital products and limited
membatasi ekspansi kredit legacy. legacy credit expansion.
204 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Perdagangan, Perhotelan, dan Restoran /
738.398 868.677 (130.279) -15,00%
Trade, Hospitality and Restaurant
Listrik, Gas, dan Air / Electricity, Gas and Water 15.516 38.124 (22.608) -59,30%
Jumlah Penyaluran Pinjaman / Total Loans Disbursed 6.893.331 7.766.644 (873.313) -11,24%
Cadangan Kerugian Penurunan Nilai /
(898.661) (1.321.540) 422.879 -32,00%
Allowance for Impairment Losses
Jumlah Penyaluran Pinjaman – Neto /
5.994.670 6.445.104 (450.434) -6,99%
Total Loans Disbursed - Net
Seperti yang dapat dilihat pada tabel di atas, sektor pertanian As shown in the table above, the agricultural sector is the
berkontribusi paling besar pada penyaluran kredit Bank Raya largest contributor to Bank Raya’s loan disbursemen in 2023,
pada 2023, dengan persentase 43,62%, diikuti oleh sektor with a percentage of 43.62%, followed by the construction
konstruksi dengan persentase 13,79%. sector with a percentage of 13.79%.
Bank Raya mempublikasikan Suku Bunga Dasar Kredit Bank Raya publishes the Prime Lending Rate (SBDK) in
(SBDK) dalam mata uang rupiah sesuai Peraturan Otoritas Rupiah currency as stipulated in the Financial Services
Jasa Keuangan (OJK) Nomor 37/ POJK.03/2019 tentang Authority (OJK) Regulation Number 37/POJK.03/2019
Transparansi dan Publikasi Laporan Bank. Selain itu, concerning Transparency and Publication of Bank Reports.
Bank Raya juga memperhatikan ketentuan yang mengatur Statutory provisions regarding the transparency of bank
transparansi informasi produk bank dan penggunaan data product information and the use of customer personal data
pribadi nasabah, dengan perincian termuat dalam Surat are then regulated in more detail in OJK Circular Letter
Edaran OJK Nomor 9/SEOJK.03/2020 tentang Transparansi No. 9/SEOJK.03/2020 on Transparency and Publication of
dan Publikasi Laporan Bank Umum Konvensional. Conventional Commercial Bank Reports.
Informasi SBDK yang berlaku dapat dilihat pada publikasi Information on prevailing Prime Lending Rate can be seen in
di setiap kantor Bank Raya dan/atau situs web resmi Bank the publication at each Bank office and/or the Bank’s website
alamat https://bankraya.co.id/. www.bankraya.co.id.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 205
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Suku Bunga Dasar Kredit merupakan dasar penetapan The Bank uses the Prime Lending Rate as the basis for
suku bunga kredit kepada nasabah Bank. Meski demikian, determining the lending rate to be charged to customers.
SBDK pada dasarnya belum memperhitungkan komponen However, the SBDK does not take into account the risk
estimasi premi risiko, yang besarnya tergantung penilaian premium estimation component, the amount of which
Bank terhadap risiko masing-masing debitur atau kelompok depends on the Bank’s assessment of the risk of each debtor
debitur. Bank senantiasa meninjau ulang dan memperbarui or debtor group. The Bank constantly reviews and updates
SBDK sesuai dengan pergerakan suku bunga acuan BI 7-day the Prime Lending Rate in accordance with the movement of
(Reverse) Repo Rate. the BI 7-day (Reverse) Repo Rate.
Bank Raya mengelompokkan SBDK berdasarkan segmentasi Bank Raya groups SBDK based on credit segmentation,
kredit, terbagi menjadi 4 (empat) kelompok yaitu menengah, divided into 4 (four) groups, namely medium, retail, consumer,
ritel, konsumer, mikro. and micro.
TREASURY TREASURY
Bank Raya juga melakukan kegiatan usaha yang berfokus Bank Raya also runs a business focusing on managing,
pada pengelolaan pengembangan dan pembinaan sektor developing and fostering business sectors related to treasury
bisnis yang berkaitan dengan produk treasury, mencakup products, covering transactions, Trade Finance products and
transaksi, produk dan jasa Trade Finance, serta produk jasa other services that generate fee-based income and interest
lainnya yang menghasilkan fee based income dan interest income for the benefit of the Bank.
income untuk kepentingan Bank.
Pelaksanaan fungsi dan pencapaian sasaran treasury Implementation of treasury’s function and the achievement
dilakukan dengan mengoptimalkan pendapatan dan biaya of intended objectives are carried out by optimizing
dengan risiko yang terukur, meningkatkan perolehan fee revenues and costs with measurable risks and increasing the
based income melalui produk treasury, serta mendukung acquisition of fee-based income through Treasury products
pengembangan produk devisa (trade finance). Di samping and supporting the development of foreign exchange
itu, treasury berfungsi sebagai manajemen investasi, products (trade finance). In addition, it also functions as
berkontribusi atas pendapatan bunga lainnya, serta investment management, contributes to other interest
memastikan pemenuhan rasio-rasio keuangan sesuai income and ensures the fulfillment of ratios in accordance
dengan besaran yang ditetapkan oleh regulator, yaitu Bank with the amount set by Bank Indonesia and Financial Services
Indonesia dan Otoritas Jasa Keuangan (OJK). Authority (OJK).
206 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
3. Commercial Line (semua limit yang terkait transaksi 3. Commercial line (all limits related to export and import
ekspor impor); transactions);
4. Security line/fixed income line (pembelian surat berharga, 4. Security line/fixed income line (purchase of marketable
obligasi, Medium Term Note, Note issuance facility, dll); securities, bonds, Medium Term Note, Note issuance
facility, etc.);
5. Transaksi derivatif; dan 5. Derivative transactions; and
6. Transaksi Treasury lainnya. 6. Other Treasury transactions.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
c. Melakukan pengelolaan counterparty limit c. Manage counterparty limits in accordance with the
sesuai dengan prinsip kehati-hatian dan tetap principle of prudence and still pay attention to risk
memperhatikan eksposur risiko exposure
Mengacu pada Laporan Keuangan Bank yang telah diaudit Referring to the Bank’s Financial Statements audited by
oleh Kantor Akuntan Publik (KAP) Purwantono, Sungkoro, Public Accounting Firm (KAP) Purwantono, Sungkoro, dan
dan Surja (a member firm of Ernst & Young Global Limited), Surja (a member firm of Ernst & Young Global Limited),
segmen operasi Bank Raya terbagi ke dalam 4 (empat) Bank Raya’s operating segments has 4 (four) main groups,
kelompok utama, yaitu menengah, ritel, konsumer dan namely medium, retail, consumer, and micro. Moreover,
mikro. Selain itu, Bank Raya juga membagi segmen operasi Bank Raya also classifies its operating segments based on
berdasarkan pengelompokan geografis, yaitu Jabodetabek, geographical classification, namely Jabodetabek, Java,
Jawa, Sumatra, Kalimantan dan Sulawesi. Bank memastikan Sumatra, Kalimantan, and Sulawesi. The Bank ensures that
pembagian segmen operasi tersebut telah dilakukan sesuai the division of operating segments has been carried out in
PSAK Nomor 5 (Revisi 2009) tentang “Segmen Operasi”. accordance with PSAK No. 5 (Revised 2009) concerning
“Operating Segments”.
Secara mendasar, pembahasan pada subbagian ini mengacu Information in this subsection basically refers to the
pada pembahasan segmen operasi yang diungkapkan di discussion of operation segments disclosed in the Bank’s
dalam Laporan Keuangan Bank. Financial Statements.
208 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pada 31 Desember 2023, Bank tetap memberikan pelayanan As of December 31, 2023, the Bank continues to provide
optimal kepada debitur eksisting sehingga tetap terjaga optimal service to existing debtors to be maintained in a
dalam kondisi performing loan sampai dengan dilakukan performing loan condition until the loan is repaid/transferred
pelunasan/peralihan kredit sesuai milestone dan menjaga according to milestones and maintains the composition of
komposisi portofolio kredit segmen Menengah terhadap the Medium loan portfolio to the digital loan portfolio in order
portofolio kredit segmen digital dalam rangka menjaga rasio to maintain the Bank’s financial performance ratio.
kinerja keuangan Bank
Tantangan yang Dihadapi Segmen Menengah Challenges Faced by the Medium Segment
Dalam pengelolaan debitur menengah, Bank telah melakukan In managing medium debtors, the Bank has mapped debtors
mapping terutama terhadap debitur yang berpotensi untuk that have the potential to be revamped, repaid, or written off.
dilakukan revamp, pelunasan atau write off. Untuk monitoring For loan monitoring, management work units are separated,
pinjaman, dilakukan pemisahan unit kerja pengelola yaitu namely the Legacy Portfolio Management Division and the
Divisi Legacy Portfolio Management dan Divisi Recovery Recovery & Remedy Division. The challenge faced with
& Remedy. Tantangan yang dihadapi berkenaan dengan respect to managing the middle segment is to maintain
pengelolaan segmen menengah adalah untuk menjaga credit quality and optimize write-off income.
kualitas kredit dan mengoptimalkan pendapatan hapus buku.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 209
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pertumbuhan (Penurunan) /
Nama Produk / Growth (Decrease)
2023 2022
Product Name Persentase /
Nominal
Percentage
Jumlah kredit yang disalurkan Bank Raya pada segmen Bank Raya’s loan disbursement to the medium segment was
menengah adalah sejumlah Rp4.013,33 miliar pada tahun Rp4,013.33 billion in 2023, a decrease of 5.87% compared
2023, menurun 5,87% dibanding pada tahun sebelumnya yang to the total of Rp4,263.53 billion in the previous year. This
sejumlah Rp4.263,53 miliar. Penurunan tersebut disebabkan decrease was because the expansion limitation on the middle
pembatasan ekspansi pada segmen kredit menengah seiring credit segment in line with the transformative process which
proses transformatif yang membuat Bank berfokus pada led the Bank to focus on digital credit distribution.
penyaluran kredit digital.
Pendapatan Operasi Lainnya / Other Operating Income 303.277 521.979 (218.702) -41,90%
Beban Operasi Lainnya / Other Operating Expenses (248.687) (238.063) (10.623) 4,46%
Penyelisihan Kerugian Penurunan Nilai /
(131.920) (220.968) 89.048 -40,30%
Provision for Impairment Losses
Laba Sebelum Beban Pajak Penghasilan /
(61.188) 234.009 (295.197) -126,15%
Income Before Tax
Laba Tahun Berjalan / Income for the Year (11.605) 23.082 (34.688) -150,28%
210 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Strategi yang Diterapkan Segmen Kredit Ritel Retail Loan Segment Strategy
Seiring arah transformasi, Bank Raya menerapkan In line with the transformation directives, Bank Raya
strategi bisnis segmen kredit ritel melalui konsep bisnis carries out retail loan segment business strategy through
berbasis ekosistem dengan menjadi aggregator yang akan an ecosystem-based business concept by becoming an
menghubungkan seluruh supply chain bisnis di sektor aggregator connecting all business supply chains in the
tersebut mulai dari merchant sampai dengan supplier. sector, from merchants to suppliers.
Tantangan dalam pengembangan serta ekspansi bisnis Bank Raya is considering challenges in business
menjadi pertimbangan Bank Raya dalam pengembangan development and expansion for better benefits to the people.
bisnisnya, dalam rangka menghadirkan dampak yang lebih Thus, Bank Raya can contribute to economic recovery and
baik kepada masyarakat. Dengan demikian, Bank Raya dapat sustainable financial development while increasing financial
berkontribusi dalam mendukung pemulihan ekonomi dan inclusion.
perkembangan keuangan berkelanjutan, serta memenuhi
kebutuhan akan peningkatan inklusi keuangan.
Bank Raya menerapkan sejumlah strategi seperti menjaga Bank Raya implements several strategies such as
kualitas pinjaman melalui penagihan pinjaman dan maintaining the loan quality through the loan and increasing
peningkatan pendapatan ekstrakomptabel dari pinjaman the extracomptable revenue from collecting the loan in retail
segmen kredit ritel & konsumer sebagai upaya mendukung & consumer lending segment as an effort to support the
tercapainya target RBB 2023. Untuk monitoring pinjaman, achievement of the 2023 RBB target. The management work
dilakukan pemisahan unit kerja pengelola yaitu Divisi unit is separated for loan monitoring, namely the Recovery &
Recovery & Remedy dengan melakukan pengelolaan pada: Remedy Division, by managing:
1. Menjaga kualitas portofolio kredit ritel komersial, dan 1. Maintain the quality of the existing commercial retail loan
kredit konsumer existing seperti Kretap, Kresun, Agro and consumer loan portfolio such as Kretap, Kresun, Agro
Griya, KPRS, Agro Multiguna, dan Agro Mobil. Griya, KPRS, Agro Multiguna, and Agro Mobil.
2. Melakukan shifting kredit ritel komersial dan/atau 2. Shift commercial and/or consumer retail lending in
konsumer yang sesuai dengan produk digital lending Bank accordance with Bank Raya’s digital lending products
Raya
Tantangan yang Dihadapi Segmen Kredit Ritel Challenges Faced by the Retail Loan Segment
Bank menghadapi tantangan pada segmen kredit ritel dan Bank Raya faced challenges in the retail and consumer loan
konsumer eksisting yang diakibatkan karena implementasi segment due to work unit revamp (closing and relocating
proses revamp unit kerja (penutupan dan relokasi unit kerja) work units) including business portfolios (loans and savings).
termasuk portofolio bisnis (pinjaman dan simpanan). Selain In addition, the external challenges faced are the increase of
itu, tantangan eksternal yang dihadapi adalah kecenderungan interest rates trend and the recovery of post Covid-19.
peningkatan tren suku bunga dan pemulihan pasca Covid-19.
Ritel Cash Collateral / Cash Collateral Retail 7.838 41.503 (33.665) -81,11%
Ritel Agribisnis Program Non-Subsidi /
475.812 904.748 (428.936) -47,41%
Agribusiness Retail Non-Subsidy Program
Ritel Agribisnis / Agribusiness Retail 47.384 176.008 (128.623) -73,08%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 211
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pertumbuhan (Penurunan) /
Nama Produk / Growth (Decrease)
2023 2022
Product Name Persentase /
Nominal
Percentage
Kredit Usaha Rakyat (KUR) / People Business Loan (KUR) 56 269 (213) -79,30%
Jumlah kredit yang disalurkan Bank Raya pada segmen Ritel Bank Raya’s loan disbursement in the retail loan segment was
adalah sejumlah Rp1.529,71miliar pada tahun 2023, menurun Rp1,529.71 billion in 2023, a decrease of 34.90% compared
34,90% dibanding pada tahun sebelumnya yang sejumlah to the total of Rp2,349.70 billion in the previous year. The
Rp2.349,70 miliar. Penurunan oustanding pada Bisnis Legacy outstanding that decrease in the Legacy Business was
yang disebabkan pembatasan ekspansi pada Bisnis Legacy because the expansion restrictions on Legacy Business in
seiring proses transformatif yang membuat Bank berfokus line with the transformative process which led the Bank to
pada penyaluran kredit digital. focus on digital credit distribution.
Pendapatan Operasi Lainnya / Other Operating Income 50.701 34.589 16.112 46,58%
Beban Operasi Lainnya / Other Operating Expenses (132.668) (162.096) 29.428 -18,15%
Penyelisihan Kerugian Penurunan Nilai /
(1.855) (327.591) 325.736 -99,43%
Provision for Impairment Losses
Laba Sebelum Beban Pajak Penghasilan /
(16.188) (276.206) 260.018 -94,14%
Income Before Tax
Laba Tahun Berjalan / Income for the Year (3.070) (27.245) 24.174 -88,73%
Kerugian tahun berjalan Bank pada segmen Ritel pada posisi The Bank’s loss for the year in the Retail segment at the
akhir 2023 adalah sejumlah Rp3,07 miliar, menurun sebesar end of 2023 was minus Rp3.07 billion, a decrease of 88.73%
88,73% dibanding tahun sebelumnya yang juga membukukan compared to the recorded total loss of minus Rp27.25 billion
kerugian sejumlah Rp27,25 miliar. Penurunan tersebut in the previous year. This decrease was mainly due to a
utamanya disebabkan oleh penurunan pembentukan Biaya decline in the allowance provision for impairment losses
penyisihan kerugian penurunan nilai sebesar Rp325,74 of Rp325.74 billion or a decline of 99.43% in line with the
miliar atau turun sebesar 99,43% seiring dengan penurunan decrease in outstanding legacy loan.
outstanding kredit legacy.
212 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Jumlah kredit yang disalurkan Bank Raya pada segmen Bank Raya’s loan disbursement in the consumer segment was
Konsumer adalah sejumlah Rp810,55 miliar pada tahun Rp810.55 billion in 2023, an increase of 8.73% compared to
2023, mengalami kenaikan sebesar 8,73% dibanding pada the total of Rp745.47 billion in the previous year. This growth
tahun sebelumnya yang sejumlah Rp745,47 miliar. Kenaikan was supported by the increase in Digital Business Products,
tersebut ditopang pada kenaikan Produk Bisnis Digital yaitu namely Pinang Flexi.
Pinang Flexi.
Pendapatan Operasi Lainnya / Other Operating Income 16.891 14.174 2.717 19,17%
Beban Operasi Lainnya / Other Operating Expenses (53.471) (52.068) (1.404) 2,70%
Penyelisihan Kerugian Penurunan Nilai / Provision for
(14.824) (38.147) 23.323 -61,14%
Impairment Losses
Laba Sebelum Beban Pajak Penghasilan / Income
12.426 (4.232) 16.658 393,61%
Before Tax
Laba Tahun Berjalan / Income for the Year 2.357 (417) 2.774 -664,55%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 213
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Laba tahun berjalan Bank pada segmen Konsumer pada posisi The Bank’s profit for the year in the Consumer segment at
akhir 2023 adalah sejumlah Rp2,36 miliar, meningkat sebesar the end of 2023 was Rp2.36 billion, an increase of 664.55%
664,55% dibanding tahun sebelumnya yang membukukan compared to the recorded total loss of Rp0.42 billion in the
kerugian sejumlah Rp0,42 miliar. Peningkatan tersebut previous year. This increase was because the formation of a
utamanya disebabkan oleh pembentukan biaya penyisihan smaller allowance for impairment losses compared to 2022,
kerugian penurunan nilai lebih kecil dibanding tahun 2022 namely Rp23.32 billion or a decrease of 61.14%.
yaitu sebesar Rp23,32 miliar atau turun sebesar 61,14%.
Jumlah kredit yang disalurkan Bank Raya pada segmen Mikro Bank Raya’s disbursed credit in the Micro segment was
adalah sejumlah Rp539,74 miliar pada tahun 2023, mengalami Rp539.74 billion in 2023, an increase of 32.31% compared
kenaikan sebesar 32,31% dibanding pada tahun sebelumnya to the total of Rp407.95 billion in the previous year. This
yang sejumlah Rp407,95 miliar. Kenaikan tersebut ditopang increase was supported by Digital Business Credit with the
pada Kredit Bisnis Digital dengan pertumbuhan terbesar largest growth in Bailout Fund Products and this was in line
pada Produk Dana Talangan, hal ini seiring dengan proses with the transformative process which led Bank Raya to
transformatif yang membuat Bank Raya berfokus pada focus on digital credit distribution.
penyaluran kredit digital.
Pendapatan Operasi Lainnya / Other Operating Income 6.358 7.872 (1.514) -19,24%
Beban Operasi Lainnya / Other Operating Expenses (52.354) (33.471) (18.884) 56,42%
Penyelisihan Kerugian Penurunan Nilai / Provision for
(7.785) (22.594) 14.809 -65,54%
Impairment Losses
214 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Laba Sebelum Beban Pajak Penghasilan / Income
4.152 (17.095) 21.247 -124,29%
Before Tax
Laba Tahun Berjalan / Income for the Year 787 (1.686) 2.474 146,70%
Laba tahun berjalan Bank pada segmen Mikro pada posisi The Bank’s profit for the year in the Micro segment at the end
akhir 2023 adalah sejumlah Rp0,78 miliar, meningkat sebesar of 2023 was Rp0.78 billion, an increase of 146% compared to
146% dibanding tahun sebelumnya yang membukukan rugi the recorded total loss of Rp1.69 billion in the previous year.
sejumlah Rp1,69 miliar. Peningkatan tersebut utamanya This increase was mainly because of the growing interest
disebabkan oleh Peningkatan pendapatan bunga kredit income of Rp38.21 billion, in line with the growing outstanding
sebesar Rp38,21 miliar seiring dengan kenaikan outstanding digital lending and a decline in the provision of allowance for
kredit digital serta penurunan pembentukan biaya penyisihan impairment losses.
kerugian penurunan nilai.
Pendapatan Operasi Lainnya / Other Operating Income 36.339 37.217 (877) -2,36%
Beban Operasi Lainnya / Other Operating Expenses (133.822) (99.822) (34.000) 34,06%
Penyelisihan Kerugian Penurunan Nilai / Provision for
(16) 28.242 (28.258) -100,06%
Impairment Losses
Laba Sebelum Beban Pajak Penghasilan / Income
189.190 179.711 9.479 5,27%
Before Tax
Laba Tahun Berjalan / Income for the Year 35.882 17.727 18.156 102,42%
Laba tahun berjalan Bank pada segmen Lainnya pada posisi The Bank’s profit for the year in the Other segment at the
akhir 2023 adalah sejumlah Rp35,88 miliar, meningkat end of 2023 was Rp35.88 billion, an increase of 102.42%
sebesar 102,42% dibanding tahun sebelumnya yang sejumlah compared to the total of Rp17.73 billion in the previous year.
Rp17,73 miliar. Peningkatan tersebut utamanya disebabkan This increase was mainly caused by the growing Placement
oleh Pendapatan bunga Penempatan yang mengalami interest Income of Rp72.33 billion or 30.69%.
kenaikan sebesar Rp72,33 miliar atau sebesar 30,69%.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 215
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bisnis digital Bank Raya dioperasikan melalui fungsi dan Bank Raya’s digital business is operated through the
tanggung jawab dalam mengarahkan dan mengkoordinasikan function and responsibility in directing and coordinating
penyusunan, memonitor, hingga melakukan penetapan the preparation, monitoring, and determining business
strategi bisnis Produk Digital Banking Bank Raya, baik berupa strategies for Bank Raya’s Digital Banking Products in the
simpanan maupun pinjaman. Selain itu, bisnis digital Bank form of savings and loans. In addition, the Bank’s digital
ditujukan guna memonitor pengembangan dan pengelolaan business is aimed at monitoring the development and
produk digital banking atas kerja sama dengan fintech management of digital banking products in collaboration
sebagai penyedia platform, penetapan pasar sasaran kredit with fintech as platform providers, determining acceptable
yang dapat diterima, profil bisnis kredit dan simpanan digital loan target markets as well as the digital loan and savings
yang dilayani. business profiles.
Akhirnya, Bank melakukan pengelolaan bisnis digital sebagai The Bank ultimately carries out digital business management
upaya mendukung pencapaian target bisnis digital banking as an effort to support the achievement of digital banking
secara prudent dan menghadirkan keuntungan, sesuai business targets in a prudent manner and to generate
kebutuhan pasar serta perkembangan regulasi yang berlaku. income, accordance with market needs and developments in
applicable regulations.
Penjelasan mengenai masing-masing produk tersebut Description of each product is presented in the Company
disajikan pada bab Profil Perusahaan. Profile chapter.
216 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Dalam rangka meningkatkan performa Pinang Flexi In improving Pinang Flexi Ekstra’s performance, Bank
Ekstra, Bank Raya melakukan strategi antara lain Raya has implemented strategies including opening
membuka proses pengajuan pinjaman melalui website the loan application process through the official Bank
resmi Bank Raya dan pengembangan proses digitize Raya website and developing the Pinang Flexi Extra loan
pinjaman Pinang Flexi Extra. digitization process.
Dalam rangka meningkatkan kredit yang disalurkan (KYD) In improving Pinang Maksima’s loan disbursement (KYD),
melalui Pinang Maksima, Bank melakukan beberapa the Bank implemented several strategies, including
strategi antara lain pengembangan proses digitize developing the digitize process with the Pinang Maksima
dengan platform Pinang Maksima dan pengembangan platform and developing a dashboard for the Pinang
dashboard untuk proses end-to-end Pinang Maksima. Maksima end-to-end process.
Strategi yang diterapkan dalam mengoptimalisasi Strategies to optimize penetration of Pinang Performa
penetrasi produk ini antara lain: include:
• Ekosistem Konvensional: Menargetkan kepada pelaku • Conventional Ecosystem: Targeting MSMEs with
UMKM dengan pinjaman Kredit Modal Kerja (KMK) dan Working Capital Credit (KMK) and Pinang Performa
Kredit Investasi (KI) Pinang Performa dengan proses Investment Credit (KI) loans with a digitization
digitize dan dengan angsuran tetap. process and fixed installments.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 217
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• Ekosistem Digital: Berkolaborasi dengan partner • Digital Ecosystem: Collaborating with digital partners
digital untuk menyalurkan pinjaman Performa Pro dan to distribute Performa PRo and Merchant Financing
Merchant Financing dengan proses end-to-end digital loans with a digital end-to-end process
Dalam rangka meningkatkan penyaluran Pinang Flexi In increasing Pinang Flexi disbursement to be more
agar lebih terarah dan memiliki tingkat risiko yang targeted with lower risk, Bank Raya has a strategy of
lebih rendah, Bank Raya melakukan strategi antara lain targeting Pinang Flexi for customers who have salary
menargetkan Pinang Flexi untuk nasabah yang memiliki accounts at Bank Raya or BRI, and developing Pinang
rekening gaji di Bank Raya atau BRI, dan pengembangan Flexi Kasbon for employee loan needs with tenor of less
Pinang Flexi Kasbon untuk kebutuhan pinjaman karyawan than 30 days.
dengan tenor kurang dari 30 hari.
Dalam rangka meningkatkan performa Pinang Dana In improving Pinang Dana Talangan’s performance, Bank
Talangan, Bank Raya melakukan strategi antara lain Raya implements strategies of Dana Talangan program
program Dana Talangan untuk agen BRILink Pemula, for Beginner BRILink agents, as well as upgraded Jawara-
serta agen Jawara-Juragan naik kelas serta agen Sultan Juragan agents and Sultan agents to get bigger loans.
untuk mendapatkan pinjaman yang lebih besar
218 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 219
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam menghadapi tantangan tersebut, Bank Raya terus In facing these challenges, Bank Raya keeps innovating to
berinovasi untuk meningkatkan competitive advantage increase its competitive advantage for meeting customer
sehingga dapat memenuhi kebutuhan nasabah dan needs and competing in the digital industry. while still
bersaing di industri digital. Inovasi tersebut dilakukan paying attention to the principle of prudence in realizing
dengan tetap memperhatikan prinsip kehati-hatian, proper loan disbursement.
sehingga pinjaman yang disalurkan memiliki kualitas
kredit yang baik.
Untuk meningkatkan daya saing dan kepuasan pelanggan, To increase competitiveness and customer satisfaction,
Bank menjaga koneksi dengan merchant yang bekerja the Bank maintains connections with collaborating
sama, baik dari segi pemilihan kualitas calon debitur merchants, in selection of prospective debtors’ quality
serta reliability aplikasi. Hal tersebut juga menjadi cara and application reliability. This also serves to increase
untuk meningkatkan akuisisi dan retensi konsumen Pinang Dana Talangan consumer acquisition and
Pinang Dana Talangan retention.
220 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pada 2023, penyaluran kredit bisnis digital dikontribusikan Pinang Flexi product made the largest contribution to digital
paling besar melalui produk Pinang Flexi, yang terealisasi loan business in 2023, which was realized in the amount of
sejumlah Rp326,43 miliar atau meningkat sebesar 123,88% Rp326.43 billion or an increase of 123.88% compared to 2022
dibanding pada tahun 2022 yang sejumlah Rp145,80 miliar. at Rp145.80 billion. Then, the largest loan distribution was also
Kemudian, penyaluran kredit terbesar juga dikontribusikan contributed through Pinang Dana Talangan, Pinang Connect
melalui produk Pinang Dana Talangan, Pinang Connect dan and Pinang Maksima products with realization of Rp334.28
Pinang Maksima dengan realisasi masing-masing sejumlah billion, Rp263.85 billion and Rp251.94 billion, respectively.
Rp334,28 miliar, Rp263,85 miliar, serta Rp251,94 miliar.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 221
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
pada produk Digital Saving di Raya App. Selain itu, faktor- influencing this increase include the integration of opening
faktor yang mempengaruhi peningkatan tersebut antara lain digital savings accounts with partners and increasing digital
integrasi pembukaan rekening digital saving dengan partner loans
serta peningkatan pinjaman digital
Sejak diluncurkan pada awal 2022, aplikasi telah Raya Ever since its launch in early 2022, the Raya application has
menawarkan beragam fitur yang memberi kemudahan offered a variety of features to facilitate financial services
layanan keuangan bagi nasabah yang kemudian mendorong for customers, encouraging significant growth in the number
terjadinya pertumbuhan jumlah transaksi secara signifikan. of transactions. In 2023, Raya Apps recoded 1,829,132
Frekuensi transaksi Raya Apps pada 2023 adalah sejumlah transactions, an increase of 12% compared to 771,327
1.829.132 transaksi, meningkat 137% dibanding transaksi transactions in 2022. Thus, total transaction value in 2023
pada 2022 yang sejumlah 771.327 transaksi. Atas jumlah reached Rp2.80 trillion, an increase of 130% compared to
tersebut, total nilai transaksi pada 2023 adalah mencapai 2022 of Rp1.23 trillion.
Rp2,80 triliun, meningkat 130% dibanding pada 2022 yang
sejumlah Rp1,23 triliun.
Perbandingan frekuensi dan volume transaksi pada 2022- Comparison of transaction frequency and volume in 2022-
2023, beserta persentase kontribusi pada masing-masing 2023, along with the percentage contribution to each
realisasi adalah sebagai berikut: realization is as follows:
Komposisi Frekuensi Transaksi 2023 Transaction Frequency Composition in 2023
2023
Uraian /
2022
Description Frekuensi / Persentase /
Frequency Percentage
Pulsa / Mobile Credit 58.500 3% 2,6%
3% 3%
15%
56%
Pulsa / Mobile Credit
17% E Wallet
QRIS
2023 Transfer Sesama / Transfer to Other Bank Raya Account
BI FAST
Transfer Online
7%
222 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Transfer Sesama / Transfer to Other Bank Raya Account 251.079.934.619 10% 24,6%
4% 2%
10%
2023 BI FAST
Transfer Online
84%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 223
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TINJAUAN KEUANGAN
Financial Overview
Analisis dan pembahasan kinerja keuangan pada bagian ini The analysis and discussion of financial performance in this
mengacu pada Laporan Keuangan Konsolidasian PT Bank section refers to the Consolidated Financial Statements of
Raya Indonesia Tbk tahun buku 2023 yang telah diaudit oleh PT Bank Raya Indonesia Tbk for the 2023 fiscal year audited
Kantor Akuntan Publik (KAP) Purwantono, Sungkoro, dan the Public Accounting Firm (KAP) Purwantono, Sungkoro,
Surja (a member firm of Ernst & Young Global Limited) Atas dan Surja (a member firm of Ernst & Young Global Limited)
audit yang telah dilakukan, laporan keuangan Bank Raya Based on the audit, Bank Raya’s financial statement received
mendapatkan opini Wajar Tanpa Pengecualian. an unqualified opinion.
Manajemen memastikan Laporan Keuangan Konsolidasian The Management ensures that the Bank’s Consolidated
Bank telah disusun sesuai prinsip-prinsip akuntansi yang Financial Statements have been prepared in accordance
berlaku umum di Indonesia, mencakup Pernyataan Standar with generally accepted accounting principles in Indonesia,
Akuntansi Keuangan (PSAK) dan interpretasi Standar including Statements of Financial Accounting Standards
Akuntansi Keuangan (ISAK) oleh Dewan Standar Akuntansi (PSAK) and interpretation of Financial Accounting Standards
Keuangan-Ikatan Akuntan Indonesia (DSAK-IAI). (ISAK) by the Financial Accounting Standards Board-Institute
of Indonesia Chartered Accountants (DSAK-IAI).
ASET ASSET
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Kas / Cash 10.773 11.262 (489) -4,34%
Giro pada Bank Indonesia / Current Accounts with Bank
520.384 973.165 (452.781) -46,53%
Indonesia
Giro pada bank lain – gross / Current Accounts with
147.095 193.209 (46.114) -23,87%
Other Banks - gross
Cadangan Kerugian Penurunan Nilai / Allowance for
(30) (54) 24 -44,44%
Impairment Losses
Penempatan pada Bank Indonesia dan bank lain – gross
/ Placements with Bank Indonesia and Other Banks - 444.935 952.737 (507.802) -53,30%
gross
Cadangan Kerugian Penurunan Nilai / Allowance for
- - - -
Impairment Losses
Efek-efek – gross / Marketable Securities - gross 4.376.935 4.363.632 13.303 0,30%
Cadangan Kerugian Penurunan Nilai / Allowance for
(619) (555) (64) 11,53%
Impairment Losses
Efek-efek yang dibeli dengan janji dijual kembali /
245.056 - 245.056 100,00%
Securities Purchased under Resale Agreements
Kredit yang diberikan – gross / Loans - gross 6.893.331 7.766.644 (873.313) -11,24%
Cadangan Kerugian Penurunan Nilai / Allowance for
(898.661) (1.321.540) 422.879 -32,00%
Impairment Losses
224 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Aset tetap – neto / Fixed assets - net 385.290 456.429 (71.139) -15,59%
Aset pajak tangguhan / Deferred tax assets 181.076 287.082 (106.006) -36,93%
Aset Bank Raya pada 31 Desember 2023 adalah sejumlah Bank Raya’s assets as of December 31, 2023, were Rp12,440.64
Rp12.440,64 miliar, mengalami penurunan sebesar 10,49% billion, a decrease of 10.49% or Rp1,458.13 billion compared
atau sebesar Rp1.458,13 miliar dibanding posisi 31 Desember to that of December 31, 2022, at Rp13,898.78 billion. This
2022 yang sejumlah Rp13.898,78 miliar. Penurunan tersebut decrease was due to the decline of several accounts,
disebabkan adanya penurunan pada beberapa akun including Credit granted, Placements with Bank Indonesia,
antara lain: Kredit yang diberikan, Penempatan pada Bank Placements with Other Banks, and decreasing Fixed Assets.
Indonesia, Penempatan pada Bank Lain dan penurunan pada
Aset Tetap.
Kas Cash
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Rupiah 10.717 11.192 (475) -4,24%
Bank Raya membukukan Kas pada posisi 31 Desember Bank Raya recorded Cash as of December 31, 2023, of Rp10.77
2023 sejumlah Rp10,77 miliar atau menurun sebesar 4.34% billion or a decrease of 4.34% compared to that of December
dibanding pada 31 Desember 2022 yang sejumlah Rp11,26 31, 2022, at Rp11.26 billion. The largest decrease mainly came
miliar. penurunan terbesar terutama berasal dari Kas mata from Cash in Rupiah currency of Rp475 million. The decrease
uang Rupiah sebesar Rp475 juta. Penurunan Kas disebabkan in Cash was due to the closure of several branch offices,
oleh penutupan beberapa Kantor Cabang yang juga which was also Bank Raya’s strategy to become a digital bank.
merupakan strategi Bank Raya untuk transformasi menjadi
Bank Digital.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 225
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pada 31 Desember 2023, Bank Raya mencatatkan Giro pada Bank Raya’s current account with Bank Indonesia as of
Bank Indonesia sejumlah Rp520,38 miliar atau menurun December 31, 2023 amounted to Rp520.38 billion or a
sebesar 46.53% dibanding pada posisi akhir 2022 yang decrease of 46.53% compared to the position at the end
sejumlah Rp973,17 miliar. Penurunan tersebut sejalan of 2022 Rp973.17 billion. Such decrease was in line with
dengan insentif yang berlaku pada Tahun 2023 yang the incentives in effect in 2023 which reduce the Minimum
menurunkan Cadangan Wajib Minimum (GWM) sebesar 0.3%, Statutory Reserve (GWM) by 0.3%, thus the GWM in 2023
sehingga GWM pada Tahun 2023 sebesar 8.7%. Lebih rendah was 8.7%, lower than in 2022, namely 9%. The incentive was
dibandingkan Tahun 2022 yaitu sebesar 9%. Insentif ini received by the Company for lending to priority sectors that
diterima oleh Perseroan atas penyaluran kredit pada sektor- have reached the threshold limit in accordance with Bank
sektor prioritas yang telah mencapai batas threshold sesuai Indonesia regulations.
dengan ketentuan Bank Indonesia.
Giro Pada Bank Lain – Neto Current Accounts with Other Banks – Net
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Rupiah
Valas / Forex
226 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Giro Pada Bank Lain – Neto Bank Raya pada 31 Desember Bank Raya’s Current Accounts with Other Banks – net as of
2023 adalah sejumlah Rp147.07 miliar atau menurun sebesar December 31, 2023, was Rp147.07 billion, or a decrease of
23.86% dibanding pada akhir tahun sebelumnya yang 23.86% compared to the total of Rp193.16 billion at the end of
sejumlah Rp193,16 miliar. Penurunan terbesar terdapat pada the previous year. The biggest decrease was in the decline of
penurunan Giro Bank Rakyat Indonesia, hal ini disebabkan Bank Rakyat Indonesia’s Current Account, which was due to
oleh penurunan Transaksi dan pada valas penurunan 46,26% a decrease in Transactions and foreign currency a decrease
atau sebesar Rp34 miliar disebabkan oleh tidak terdapat of 46.26% or Rp34 billion which was caused by the absence
Transaksi jual beli valas pada Tahun 2023. of foreign currency purchase and sale transactions in 2023.
Penempatan Pada Bank Indonesia dan Bank Lain – Gross Placements with Bank Indonesia and Other Banks – Gross
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Rupiah
Valas / Forex
Bank Raya mencatatkan Penempatan Pada Bank Indonesia Bank Raya recorded Placements with Bank Indonesia and
dan Bank Lain – Neto pada 31 Desember 2023 sejumlah Other Banks – Neto on December 31, 2023, of Rp444.93 billion,
Rp444.93 miliar atau menurun sebesar 53.30% dibanding or a decrease of 53.30% compared to that of December 31,
pada 31 Desember 2022 yang sejumlah Rp952,74 miliar. 2022, at Rp952.74 billion. The largest decrease in the Depo
Penurunan terbesar pada Depo Facility sebesar Rp430 Miliar, Facility was Rp430 billion, which was caused by excess
hal ini disebabkan oleh ekses likuiditas pada tahun 2023. liquidity in 2023. This was in line with the Company’s strategy
Dimana hal ini sejalan dengan strategi perusahaan dalam for credit expansion in digital business.
ekspansi kredit terutama pada bisnis digital.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 227
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Valas / Forex
Pada 31 Desember 2023, Bank Raya membukukan Efek-Efek As of December 31, 2023, Bank Raya recorded Marketable
Neto sejumlah Rp4.376,32 miliar atau meningkat sebesar Securities – Net of Rp4,376.32 billion or an increase of 0.30%
0.30% dibanding pada posisi akhir 2022 yang sejumlah compared to the total of Rp4,363.08 billion at the end of
Rp4.363,08 miliar. Peningkatan tersebut disebabkan oleh 2022. This increase was due to the placement of new Third
terdapat penempatan efek-efek Pihak Ketiga baru pada Party securities in December 2023 of 583.71% from Rp61.02
Desember 2023 sebesar 583,71% dari Rp61,02 miliar menjadi billion to Rp417.19 billion. In contrast, securities decreased in
Rp417,19 miliar. disisi lain terdapat penurunan efek-efek yang 2023 due to securities that had matured and had been sold.
disebabkan adanya efek-efek yang telah jatuh tempo dan
sudah terjual pada Tahun 2023.
Efek-Efek yang Dibeli dengan Janji Dijual Kembali Securities Purchased under Resale Agreements
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Rupiah 245.056 - 245.056 100,00%
Valas / Forex - - - -
Jumlah Efek-Efek yang Dibeli dengan Janji Dijual
Kembali / Securities Purchased under Resale 245.056 - 245.056 100,00%
Agreements
Efek-Efek yang Dibeli dengan Janji Dijual Kembali Bank Raya Bank Raya’s Securities Purchased under Resale Agreements
pada 31 Desember 2023 adalah sejumlah Rp245.06 miliar on December 31, 2023, were Rp245.06 billion or an increase
atau meningkat sebesar 100% dibanding pada akhir 2022 of 100% compared to the end of 2022 which was Nil.
yang sejumlah Nihil.
228 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Kredit yang diberikan – bruto / Loans - gross 6.893.331 7.766.644 (873.313) -11,24%
Cadangan Kerugian Penurunan Nilai / Allowance for
(898.661) (1.321.540) 422.879 -32,00%
Impairment Losses
Jumlah kredit yang diberikan – neto / Total loans - net 5.994.670 6.445.104 (450.434) -6,99%
Bank Raya mencatatkan Kredit yang Diberikan pada posisi Bank Raya’s Loans as of December 31, 2023 of Rp5,994.67
31 Desember 2023 sejumlah Rp5.994,67miliar atau menurun billion or a decrease of 6.99% compared to the total Loans of
sebesar 6,99% dibanding pada akhir 2022 yang sejumlah Rp6,445.10 billion at the end of 2022. The largest decrease in
Rp6.445,10 miliar. Penurunan terbesar pada segmen Ritel the Retail segment was 34.90% or the equivalent of Rp819.99
sebesar 34,90% atau setara dengan Rp819,99 miliar hal ini billion, this was because Bank Raya was still carrying out
disebabkan Bank Raya masih melakukan transformasi digital digital transformation, so it limited the expansion for
sehingga melakukan pembatasan ekspansi untuk Produk legacy business Products and focused on developing digital
bisnis legacy dan berfokus dalam pengembangan produk products.
digital.
Aset Tetap dan Aset Hak Guna - Neto Fixed Assets and Use Rights Assets - Net
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Harga Perolehan / Acquisition Cost 559.232 602.389 (43.157) -7,16%
Jumlah Aset Tetap – Neto / Total Fixed Assets - Net 385.290 456.429 (71.139) -15,59%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 229
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Aset Tetap – Neto Bank Raya pada 31 Desember 2023 adalah Fixed Assets – Net of Bank Raya on December 31, 2023, were
sejumlah Rp385,29 miliar atau Menurun sebesar 15,59% Rp385.29 billion or decreased by 15.59% compared to that of
dibanding pada 31 Desember 2022 yang sejumlah Rp456,43 December 31, 2022, at Rp456.43 billion. The largest decrease
miliar. Penurunan terbesar disebabkan penurunan Aset Hak was because of a decline in office building use rights assets
Guna Gedung kantor dikarenakan perubahan harga sewa dan due to changes in rental prices and interest rates.
perubahan rate suku bunga.
Aset Tak Berwujud - Neto Bank Raya pada 31 Desember 2023 Intangible Assets – Net of Bank Raya as of December 31, 2023,
adalah sejumlah Rp45,92 miliar atau meningkat sebesar was Rp45.92 billion or an increase of 181.36% compared to
181,36% dibanding pada 31 Desember 2022 yang sejumlah that of December 31, 2022, at Rp29.60 billion.
Rp29,60 miliar.
Pada 31 Desember 2023, Bank Raya mencatatkan Agunan On December 31, 2023, Bank Raya recorded Foreclosed
Yang Diambil Alih – Neto sejumlah Rp4.84 miliar atau sama Collaterals – Net of Rp4.84 billion or equal to the total of
nilainya dengan posisi akhir 2022 yang sejumlah Rp4,84 Rp4.84 billion at the end of 2022.
miliar.
230 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Biaya Dibayar Dimuka dan Aset Lain-Lain Prepaid Expenses and Other Assets
Bank Raya mencatatkan Aset Pajak Tangguhan pada posisi Prepaid Expenses and Other Assets of Bank Raya as of
31 Desember 2023 sejumlah Rp84,24 miliar atau menurun December 31, 2023, were Rp84.24 billion, or a decrease of
sebesar 32,46% dibanding pada posisi 31 Desember 32.46% compared to that of December 31, 2022, at Rp124.73
2022 yang sejumlah Rp124,73 miliar. Penurunan tersebut billion. The decrease was due to the imposition of reserves
disebabkan oleh pembebanan cadangan kerugian penurunan for impairment losses on productive assets.
nilai aset produktif.
LIABILITAS LIABILITIES
Dalam jutaan rupiah In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Liabilitas segera / Immediate liabilities 28.928 16.721 12.207 73,00%
Simpanan dari bank lain / Deposits from other banks 452.204 2.004 450.200 22465,07%
Liabilitas Bank Raya pada posisi 31 Desember 2023 adalah Bank Raya’s liabilities as of December 31, 2023, were
sejumlah Rp9.020,39 miliar atau menurun sebesar 14,17% Rp9,020.39 billion, a decrease of 14.17% compared to the
dibanding pada posisi akhir 2022 yang sejumlah Rp10.509,69 total liabilities of Rp10,509.69 billion at the end of 2022. The
miliar. Penurunan disebabkan shifting produk simpanan dari largest decrease was caused by a decline due to the shifting
deposito ke giro dan tabungan yang berbiaya murah serta products from the deposits to low-cost of current accounts
penurunan Liabilitas Derivatif simpanan nasabah memiliki and savings, as well as a decline in Derivative Liabilities.
kontribusi terbesar dalam total liabilitas tercatat sebesar Customer deposits had the largest contribution to total
90,75%. liabilities recorded at 90.75%.
Jumlah Liabilitas Segera / Total Immediate Liabilities 28.928 16.721 12.207 73,00%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 231
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya mencatatkan Liabilitas Segera pada 31 Desember Bank Raya recorded Immediate Liabilities as of December
2023 sejumlah Rp28,93 miliar atau meningkat sebesar 73% 31, 2023, of Rp28.93 billion, an increase/decrease of 73%
dibanding pada akhir tahun sebelumnya yang sejumlah compared to the total of Rp16.72 billion at the end of the
Rp16,72 miliar. Peningkatan tersebut disebabkan oleh previous year. The increase was caused by the growing
kenaikan pencadangan kewajiban rupa rupa umum dan reserves for general and administrative liabilities as well as
adminstrasi serta kenaikan titipan transfer dan ATM. transfer and ATM deposits.
Pada 31 Desember 2023, Bank Raya mencatatkan Simpanan On December 31, 2023, Bank Raya recorded Customer
Nasabah sejumlah Rp8.185,98 miliar atau menurun sebesar Deposits of Rp8,185.98 billion, a decrease of 16.60%
16,60% dibanding pada posisi akhir 2022 yang sejumlah compared to the Customer Deposits of Rp9,814.90 billion at
Rp9.814,90. miliar. Penurunan tersebut disebabkan oleh the end of 2022. This decrease was caused by adjustments
penyesuaian proses bisnis digitalisasi Bank Raya yang to Bank Raya’s digitalization business process which raised
menghimpunan dana murah. low-cost funds.
Simpanan dari Bank Lain Bank Raya pada posisi 31 Desember Deposits from Other Banks at Bank Raya as of December
2023 adalah sejumlah Rp452,20 miliar atau meningkat 31, 2023, were Rp452.20 billion, an increase of 22465%
sebesar 22465% dibanding pada posisi 31 Desember 2022 compared to that of December 31, 2022, at Rp2 billion.
yang sejumlah Rp2 miliar.
Efek yang dijual dengan janji dibeli kembali Securities sold under agreement to repurchase
Bank Raya mencatatkan Efek yang dijual dengan janji dibeli There was no securities sold under agreement to repurchase
kembali pada 31 Desember 2023 sejumlah nihil atau menurun on December 31, 2023, a decrease of 100% compared to the
sebesar 100% dibanding pada akhir tahun sebelumnya yang end of the previous year at Rp273.75 billion. Such decrease
sejumlah Rp 273,75 miliar. Penurunan tersebut disebabkan was due to securities sold under agreement to repurchase
Efek yang dijual dengan janji dibeli kembali telah jatuh tempo that had matured in January and February 2023.
di bulan Januari dan Februari tahun 2023.
232 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Estimasi Kerugian Komitmen & Kontinjensi Estimated Loss on Commitments & Contingencies
Pada 31 Desember 2023, Bank Raya mencatatkan Estimasi Estimated Losses on Commitment & Contingencies as of
Kerugian Komitmen & Kontinjensi sejumlah Rp3,15 miliar December 31, 2023 amounted to Rp3.15 billion or an increase
atau meningkat sebesar 11,98% dibanding pada posisi akhir of 11.98% compared to the position at the end of 2022 at
2022 yang sejumlah Rp2,81 miliar. Peningkatan tersebut Rp2.81 billion. Such increase was in line with the increase in
seiring dengan kenaikan eksposur dari liabilitas komitmen exposure to contingent commitment liabilities, such as bank
kontinjensi seperti bank garansi, letter of kredit. guarantees and letter of credit.
Penghargaan Masa Kerja / Length of Service Award 10.890 918 9.972 1086,27%
Kompensasi PKWT / Compensation for Non-Permanent
960 916 44 4,80%
Contracts
Jumlah / Total 88.742 72.016 16.726 23,23%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 233
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Liabilitas Imbalan Kerja pada posisi 31 Desember 2023 adalah Employee Benefits Liabilities as of December 31, 2023, were
sejumlah Rp88,74 miliar atau meningkat sebesar 23,23% Rp88.74 billion, or an increase of 23.23% compared to that
dibanding pada posisi 31 Desember 2022 yang sejumlah of December 31, 2022, at Rp72.02 billion. Such increase was
Rp72,02 miliar. Peningkatan tersebut disebabkan oleh caused by an increase in the annual discount rate of 0.8% and
terdapat peningkatan rate diskonto tahunan sebesar 0,8% the application of the PMK method which was calculated in
dan penerapan metode PMK yang dihitung secara penuh full amount up to the retirement age of Bank Raya employees.
sampai dengan usia pensiun pekerja Bank Raya.
Bank Raya mencatatkan Liabilitas Lain-Lain pada 31 Bank Raya recorded Other Liabilities as of December 31,
Desember 2023 sejumlah Rp240,48 miliar atau meningkat 2023, of Rp240.48 billion, or an increase of 2.96% compared
sebesar 2,96% dibanding pada akhir tahun sebelumnya yang to the total Other Liabilities of Rp233.56 billion at the end of
sejumlah Rp233,56 miliar. the previous year.
EKUITAS EQUITY
Dalam jutaan rupiah. In millions of rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Modal saham / Share capital 2.474.049 2.474.011 38 0,00%
Tambahan modal disetor / Additional paid-in capital 3.735.116 3.734.973 143 0,00%
234 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Pada 31 Desember 2023, Bank Raya mencatatkan Ekuitas On December 31, 2023, Bank Raya recorded Equity of
sejumlah Rp3.420,25 miliar miliar atau meningkat sebesar Rp3,420.25 billion or increased of 0.92% compared to the
0,92% dibanding pada posisi akhir 2022 yang sejumlah position at the end of 2022 of Rp3,389.09 billion. The increase
Rp3.389,09 miliar. Peningkatan tersebut disebabkan oleh was due to year which increased by 112.47% as well as an
laba tahun berjalan yang mengalami peningkatan sebesar increase in other comprehensive income for securities which
112,47% serta peningkatan others comprehensive income recorded an improvement of Rp4.96 billion or an increase of
efek-efek yang tercatat mengalami perbaikan sebesar 33.98%.
Rp4,96 miliar atau naik sebesar 33,98%.
Laba tahun berjalan / Profit for the year 24.351 11.461 12.890 112,47%
Pemilik entitas induk / Owners of the parent entity 24.351 11.461 12.890 112,47%
Kepentingan non-pengendali / Non-controlling
- -
interest
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 235
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Penghasilan komprehensif lainnya / Other
6.688 (70.631) 77.319 -109,47%
comprehensive income
Jumlah penghasilan komprehensif tahun berjalan yang dapat diatribusikan kepada: / Total comprehensive income for the year attributable
to:
Pemilik entitas induk / Owners of the parent entity 31.039 (59.170) 90.209 -152,46%
Kepentingan non-pengendali / Non-controlling
- - - -
interest
Laba tahun berjalan per saham dasar (dalam rupiah
penuh) / Basic earnings per share for the year (in full 0.98 0,50 0.48 96,85%
rupiah)
Laba Tahun Berjalan Per Saham Dilusian (Dalam rupiah
penuh) / Diluted Earnings per Share for the Year (in full 0.98 0,50 0.48 96,85%
rupiah)
236 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pada 2023, Bank Raya membukukan Beban Bunga sejumlah In 2023, Bank Raya recorded Interest Expenses amounting
Rp403,13 miliar yang memperlihatkan peningkatan sebesar to Rp403.13 billion, an increase of 9.09% compared to
9,09% dibanding perolehan pada 2022 yang sejumlah the acquisition of Rp369.53 billion in 2022. The increase
Rp369,53 miliar. Peningkatan Beban bunga tersebut in interest expenses was mainly because of the growing
terutama disebabkan oleh kenaikan Beban Bunga Deposito deposit interest expenses of 55.38% which was due to the
sebesar 55,38% yang disebabkan adanya kenaikan suku growing interest rates globally and this also had an impact on
bunga secara global dan turut berpengaruh kepada domestik. the domestic sector. This increase was also reflected in the
Kenaikan ini juga tercermin dari rasio cost of fund dari 3,61% cost of funds ratio from 3.61% to 4.82% in 2023.
menjadi 4,82% di tahun 2023.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 237
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya membukukan Pendapatan Operasional Lainnya In 2023, Bank Raya recorded an Other Operating Income of
sejumlah Rp413,57 miliar pada 2023, menunjukkan Rp413.57 billion, a decrease of 32.84% compared to the total
penurunan sebesar 32,84% dibanding perolehan pada 2022 income of Rp615.83 billion in 2022. This decrease was mainly
yang sejumlah Rp615,83 miliar. Penurunan tersebut terutama due to a decrease in the already written-off recovery of
disebabkan oleh Penurunan Penerimaan kembali aset yang assets from Rp562.11 billion to Rp363.10 billion.
telah dihapusbukukan dari Rp562,11 miliar menjadi Rp363,10
miliar.
238 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Beban Kerugian yang belum direalisasikan dari
perubahan nilai wajar efek-efek / Expenses Unrealized
- 3.132 (3.132) -100,00%
losses from changes in fair value of marketable
securities
Kerugian transaksi mata uang asing – neto / Foreign
1.035 - 1.035 100,00%
currency transaction losses - net
Lain-lain / Others 2.982 1.426 1.556 109,12%
Total Beban Operasional Lainnya / Total Other
621.002 585.519 35.483 6,06%
Operating Expenses
Pada 2023, Bank Raya membukukan Beban Operasional In 2023, Bank Raya recorded Other Operating Expenses
Lainnya sejumlah Rp621 miliar yang memperlihatkan of Rp621 billion, an increase of 6.06% compared to the
peningkatan sebesar 6,06% dibanding pada 2022 yang total acquisition of Rp585.52 billion in 2022. The increase
sejumlah Rp 585,52 miliar. Peningkatan beban operasional in other operational expenses was dominated by General
lainnya didominasi oleh Beban Umum Adminsitrasi yang Administrative Expenses growing by Rp17.48 billion or 6.11%
naik sebesar Rp17,48 miliar atau 6,11% dan beban Gaji dan and Salary and Benefits expenses growing by Rp18.54 billion
Tunjangan yang naik sebesar Rp18,54 miliar atau 6,29% or 6.29% compared to 2022. However, the increase was not
dibandingkan tahun 2022. Meskipun meningkat, tetapi significant and supported by the efficiency improvements.
peningkatan tersebut tidak signifikan dan didukung oleh
adanya perbaikan efisiensi.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 239
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pada 2023, Bank Raya membukukan Beban Pajak sejumlah In 2023, Bank Raya recorded Tax Expenses of Rp104 billion,
Rp104 miliar yang memperlihatkan penurunan 0,66% a decrease of 0.66% compared to the total acquisition of
dibanding perolehan pada 2022 yang sejumlah Rp104,73 Rp104.73 billion in 2022.
miliar.
240 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
ARUS KAS
Cash Flows
In millions of rupiah
Dalam jutaan rupiah
Pertumbuhan (Penurunan) /
Uraian / Growth (Decrease)
2023 2022
Description Persentase /
Nominal
Percentage
Arus Kas dari Aktivitas Operasi / Cash Flow From
(884.957) 95.168 (980.125) -1029,89%
Operating Activities
Arus Kas dari Aktivitas Investasi / Cash Flow From
157.623 (1.126.093) 1.283.716 -114,00%
Investing Activities
Arus Kas dari Aktivitas Pendanaan / Cash Flow From
(279.851) 1.021.031 (1.300.882) -127,41%
Financing Activities
Kenaikan (Penurunan) Neto Kas dan Setara Kas / Net
(1.007.185) (9.894) (997.291) 10079,76%
Increase (Decrease) in Cash and Cash Equivalents
Kas dan Setara Kas Awal Tahun / Cash and Cash
2.130.373 2.140.267 (9.894) -0,46%
Equivalents at the Beginning of the Year
Kas dan Setara Kas Akhir Tahun / Cash and Cash
1.123.188 2.130.373 (1.007.185) -47,28%
Equivalents at the End of the Year
Bank Raya mencatatkan jumlah Kas dan Setara Kas pada Bank Raya recorded the amount of Cash and Cash Equivalents
akhir 2023 sejumlah Rp1.123,19 miliar, menurun sebesar at the end of 2023 of Rp1,123.19 billion, a decrease of 47.28%
47,28% dibanding pada akhir 2022 yang sejumlah Rp2.130,37 compared to that of 2022 at Rp2,130.37 billion.
miliar.
Arus Kas dari Aktivitas Operasi Cash Flow from Operating Activities
Bank Raya mencatatkan Arus Kas Bersih dari Aktivitas Net Cash Flow from Operating Activities in 2023 amounted to
Operasi pada 2023 sejumlah Rp(884,96) miliar, menurun Rp(884.96) billion, a decrease compared to 2022 at Rp95.17
dibanding pada 2022 yang sejumlah Rp95,17 miliar. Penurunan billion. Such decrease was caused by a decrease in loans as
tersebut disebabkan oleh penurunan penyaluran kredit serta well as an increase in marketable securities owned and an
peningkatan surat berharga yang dimiliki dan peningkatan increase in securities sold under agreement to repurchase in
efek efek yang dibeli dengan janji dijual kembali dalam aset operating assets as well as a decrease in the accumulation of
operasi serta penurunan penghimpunan dana simpanan savings funds in operating liabilities.
dalam liabilitas operasi
Arus Kas dari Aktivitas Investasi Cash Flow from Investing Activities
Pada 2023, Bank Raya mencatatkan Arus Kas Bersih untuk Net Cash Flow for Investment Activities in 2023 amounted to
Aktivitas Investasi sejumlah Rp157,62 miliar, meningkat Rp157.62 billion, an increase compared to 2022 at Rp(1,126.09)
dibanding pada 2022 yang sejumlah Rp(1.126,09) miliar. billion. Such increase was caused by an increase in purchases
Peningkatan tersebut disebabkan oleh adanya kenaikan of government bonds.
pembelian obligasi pemerintah.
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
Arus Kas Bersih dari Aktivitas Pendanaan Bank Raya pada Net Cash Flow from Financing Activities in 2023 amounted to
2023 tercatat sejumlah Rp(279,85) miliar, menurun dibanding Rp(279.85) billion, a decrease compared to 2022 at Rp1,021.03
pada 2022 yang sejumlah Rp1.021,03 miliar. penurunan billion. Such decrease was caused by a decrease in securities
tersebut disebabkan oleh Penurunan efek efek yang dijual sold under agreements to repurchase and a decrease in
dengan janji dibeli kembali dan penurunan penerbitan saham. share issuance.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 241
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kredit Bermasalah (NPL) – bersih / Non-Performing Loan (NPL) - net 1,51 0,54
Margin Bunga Bersih (NIM) / Net Interest Margin (NIM) 3,91 4,56
242 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Bank Raya mengukur kemampuan memenuhi seluruh Bank Raya measures its ability to fulfill all liabilities including
kewajiban, baik kewajiban jangka panjang maupun jangka long-term and short-term labilities through liquidity ratio,
pendek, melalui perhitungan rasio likuiditas, rasio solvabilitas, solvency ratio, and profitability ratio. Bank Raya’s ability
dan rasio rentabilitas. Kemampuan membayar utang Bank to pay debts is also reflected in the Bank’s participation as
Raya juga tercermin dari keikutsertaan Bank sebagai peserta a guarantee program participant at the Deposit Insurance
program penjaminan pada Lembaga Penjaminan Simpanan. Corporation.
Kemampuan Membayar Utang Jangka Pendek Ability to Pay Short Term Debt
Kemampuan Bank Raya dalam membayar utang jangka Bank Raya’s ability to pay short-term debt is known through
pendek diketahui melalui perhitungan rasio likuiditas, yaitu calculating the liquidity ratio or the Loan to Deposit Ratio
rasio kredit terhadap Dana Pihak Ketiga (LDR). LDR Bank Raya (LDR). Bank Raya’s LDR in 2023 was 84.21%, a increased
pada 2023 sebesar adalah sebesar 84,21%, naik dibanding compared to that of 2022 at 79.13%. This generally indicates
pada 2022 yang sebesar 79,13%. Perolehan tersebut secara Bank Raya’s better ability to meet its short-term liabilities.
umum memperlihatkan kemampuan yang lebih baik dari
Bank Raya dalam memenuhi kewajiban jangka pendek.
Bank Raya berupaya menjaga tingkat rasio LDR pada level Bank Raya strives to maintain the LDR at an optimal level
yang optimal untuk pengelolaan likuiditas dan menjaga for liquidity management and maintaining efficient cost of
efisiensi biaya dana. Secara mendasar, Bank menjaga tingkat funds. Fundamentally, the Bank maintains the LDR ratio level
rasio LDR pada kisaran yang ditetapkan Peraturan BI Nomor in the range set by BI Regulation No. 17/11/PBI/2015.
17/11/ PBI/2015.
Kemampuan Membayar Utang Jangka Panjang Ability to Pay Long Term Debt
Bank Raya mengukur kemampuan yang dimiliki dalam Bank Raya measures its ability to meet long-term liabilities by
memenuhi kewajiban jangka panjang dengan menghitung calculating the solvency ratio, using the bank’s capital ratio,
rasio solvabilitas, menggunakan rasio permodalan bank namely the Capital Adequacy Ratio (CAR). Capital Adequacy
yaitu Capital Adequacy Ratio (CAR). Capital Adequacy Ratio is the ratio of capital to assets weighted according to
Ratio merupakan rasio modal terhadap aset tertimbang the risk of Risk-Weighted Assets (RWA). In this regard, based
sesuai risiko Risk-Weighted Assets (RWA). Terkait hal ini, on OJK Regulation (POJK) No. 11/POJK.03/2016 on Minimum
berdasarkan Peraturan OJK (POJK) Nomor 11/POJK.03/2016 Capital Requirements, Bank Raya must has minimum capital
tentang Kewajiban Penyediaan Modal Minimum, Bank Raya in accordance with the risk profile. In accordance with these
berkewajiban menyediakan modal minimum sesuai dengan provisions, the minimum capital adequacy ratio is 9% -10%.
profil risiko. Sesuai ketentuan itu, rasio kecukupan modal
minimum yang berlaku adalah sebesar 9%-10%.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 243
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Capital Adequacy Ratio Bank Raya pada 2023 adalah sebesar Bank Raya’s Capital Adequacy Ratio in 2023 was 43.84%,
43,84%, lebih tinggi dibanding pada 2022 yang sebesar higher than in 2022 of 43.74%. These results generally
43,74%. Perolehan tersebut secara umum menunjukkan indicate positive Bank solvency, exceeding the minimum CAR
tingkat solvabilitas Bank yang baik, melebihi minimal requirements. Furthermore, the Bank Raya’s CAR indicates
requirement rasio CAR yang ditetapkan. Lebih lanjut, hasil the Bank’s decent capability to manage capital and meet
perhitungan CAR Bank Raya memperlihatkan kemampuan capital adequacy to pay its liabilities. With this achievement,
yang baik dari Bank dalam mengelola modal dan memenuhi Bank Raya is able to balance credit risk, market risk and
kecukupan modal untuk memenuhi kewajiban. Dengan hasil operational risk through an adequate capital structure.
tersebut, Bank Raya diketahui dapat mengimbangi risiko
kredit, risiko pasar, dan risiko operasional melalui struktur
permodalan yang cukup.
Lebih dari itu, Bank Raya membentuk tambahan modal Moreover, Bank Raya established additional capital as a
sebagai penyangga (buffer) sesuai profil risiko. Tambahan buffer according to the risk profile. The additional capital is
modal tersebut berupa: in the form of:
1. Capital Conservation Buffer, berfungsi sebagai 1. Capital Conservation Buffer, functions as a buffer in the
penyangga (buffer) apabila terjadi kerugian pada periode event of a loss during a crisis.
krisis.
2. Countercyclical Buffer, berfungsi sebagai penyangga 2. Countercyclical Buffer, functions as a buffer to anticipate
(buffer) untuk mengantisipasi kerugian apabila terjadi losses in the event of excessive growth in banking loans,
pertumbuhan kredit perbankan yang berlebihan sehingga which has the potential to disrupt the stability of the
berpotensi mengganggu stabilitas sistem keuangan. financial system.
3. Capital Surcharge untuk Domestic Systemically 3. Capital Surcharge for Domestic Systemically Important
Important Bank (D-SIB), yang berfungsi untuk Banks (D-SIB), functions to reduce the negative impact
mengurangi dampak negatif terhadap stabilitas sistem on the stability of the financial system and economy in
keuangan dan perekonomian apabila terjadi kegagalan the event of Bank failure which has a systemic impact by
Bank yang berdampak sistemik melalui peningkatan increasing the Bank’s ability to absorb losses.
kemampuan Bank dalam menyerap kerugian.
Kemampuan Membayar Utang dari Obligasi yang Ability to Pay Debt from Issued Bonds
Diterbitkan
Bank Raya menggunakan parameter lain dalam mengukur Another parameter used by Bank Raya for the ability to pay
kemampuan membayar utang, yaitu berdasarkan peringkat debt is based on the rating of securities issued, namely
efek-efek yang diterbitkan berupa obligasi. Efek-efek yang Bonds. Securities issued are regularly assessed by rating
diterbitkan dinilai secara berkala oleh lembaga pemeringkat, agency to support the viability of the securities. The quality
guna memperhitungkan kelayakan efek tersebut. Secara of securities is largely determined by the ability of the issuer
mendasar, kualitas efek sangat ditentukan oleh kemampuan to pay its securities at maturity and its ability to pay interest
perusahaan penerbit efek dalam membayar efeknya pada or coupons during the term of the securities issuance. Bank
saat jatuh tempo, serta kemampuan perusahaan itu dalam Raya’s bonds are listed on the Indonesia Stock Exchange and
membayar bunga atau kupon selama jangka waktu penerbitan assessed by Pefindo as its rating agency.
efek. Obligasi Bank Raya diterbitkan dan dicatatkan pada
Bursa Efek Indonesia, serta dinilai oleh Pefindo sebagai
lembaga pemeringkat efek.
Pada tahun 2023, Bank Raya tidak menerbitkan obligasi dan In 2023, Bank Raya did not issue bonds and all previously
seluruh obligasi yang sebelumnya diterbitkan telah jatuh issued bonds already matured in 2022.
tempo pada 2022.
244 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
KOLEKTIBILITAS PIUTANG
Receivables Collectability
Tingkat kolektibilitas piutang Bank Raya diukur dengan total Bank Raya’s collectability receivables rate is measured
kredit bermasalah atau Non-Performing Loan (NPL). Pada by total Non-Performing Loan (NPL). As of December 31,
posisi 31 Desember 2022 dan 2023, NPL Bruto Bank Raya 2022 and 2023, Bank Raya’s Gross NPL were 2.90% and
masing-masing adalah besar 2,90% dan 4,40%, dengan rasio 4.40% respectively, with a net NPL ratio of 0.54% and 1.51%
NPL netto masing-masing sebesar 0,54% dan 1,51%. respectively.
Bank Raya secara aktif melakukan pemantauan terhadap Bank Raya actively monitors developments in receivables
perkembangan kualitas piutang, khususnya kredit yang telah quality, especially already disbursed loans.
disalurkan.
Uraian / Description 2023 2022
Total Kredit Yang Diberikan (gross) (Rp juta) / Total Loans (gross) (Rp million) 6.893.331 7.766.644
Total Kredit Bermasalah (Rp juta) / Total Non-Performing Loan (Rp million) 303.459 225.538
Kebijakan Manajemen atas Struktur Permodalan dan Management Policy on Capital Structure and Basis of
Dasar Kebijakan Struktur Modal Capital Structure Policy
Bank Raya menerapkan kebijakan pengelolaan modal dengan Bank Raya implements a capital management policy intended
tujuan untuk memastikan adanya kepemilikan modal yang to ensure strong capital ownership to support business
kuat, guna mendukung strategi pengembangan ekspansi expansion strategy and maintain development continuity in
usaha serta mempertahankan kelangsungan pengembangan the future. In addition, capital management also aims to meet
di masa mendatang. Selain itu, kebijakan pengelolaan modal the capital adequacy provisions set by regulators, namely the
juga dilakukan dengan tujuan untuk memenuhi ketentuan Financial Services Authority and Bank Indonesia, as well as
kecukupan permodalan yang ditetapkan oleh regulator, ensuring that an efficient Bank capital structure.
yaitu Otoritas Jasa Keuangan dan Bank Indonesia, serta
memastikan agar struktur permodalan Bank telah efisien.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 245
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam pengelolaan permodalan, Bank Raya In managing capital, the Bank considers factors such as (1)
mempertimbangkan faktor-faktor antara lain (1) optimal return on capital to shareholders and (2) balance
pengembalian modal yang optimal pada pemegang saham between higher profits and the security provided by a sound
serta (2) keseimbangan antara keuntungan yang lebih capital position. The Bank prepares Capital Plan based on an
tinggi dan keamanan yang diberikan oleh posisi modal yang assessment of the capital adequacy requirements along with
sehat. Bank menyusun Rencana Permodalan berdasarkan a review of recent economic developments.
penilaian terhadap hasil penelaahan atas kebutuhan
kecukupan permodalan yang dipersyaratkan, dengan
mengombinasikannya dengan tinjauan perkembangan
ekonomi terkini.
Permodalan Bank Raya disusun oleh Direksi sebagai Bank Raya’s capital is prepared by the Board of Directors as
bagian dari Rencana Bisnis Bank dan disetujui oleh Dewan part of the Bank Business Plan and approved by the Board
Komisaris, sebagai upaya dalam memastikan usaha Bank of Commissioners, as an effort to ensure that the Bank’s
dapat berlangsung secara berkelanjutan dengan dukungan business can continue sustainably with adequate capital
permodalan yang memadai. support.
Bank berkewajiban untuk memiliki modal inti minimum The Banks must have a minimum core capital of at least
paling sedikit Rp3.000.000.0000.000,- (tiga triliun rupiah) Rp3,000,000,0000,000 (three trillion rupiah) by December
pada 31 Desember 2022 berdasarkan Peraturan OJK Nomor 31, 2022 based on OJK Regulation No. 12/POJK.03/2020 on
12/POJK.03/2020 tentang Konsolidasi Bank Umum (“POJK Commercial Bank Consolidation (“POJK No. 12/2020”). At the
No. 12/2020”). Pada posisi akhir 2023, Bank telah memenuhi end of 2023, the Bank has fulfilled this provision in line with
ketentuan ini seiring penambahan modal Bank yang dilakukan the increase in Bank capital carried out in 2022 through Pre-
pada 2022 melalui PMHMETD. emptive rights.
Selain kebutuhan untuk memenuhi modal minimum In addition to meeting the minimum capital based on the
berdasarkan profil risiko, Bank juga membentuk tambahan risk profile, the Bank creates additional buffer capital with
modal penyangga (buffer) dengan perincian sebagai berikut: the following details: (1) Capital Conservation Buffer, (2)
(1) Capital Conservation Buffer, (2) Countercyclical Buffer, dan Countercyclical Buffer, and (3) Capital Surcharge for Domestic
(3) Capital Surcharge untuk Domestic Systemically Important Systemically Important Banks (D-SIB). In 2023, the Bank’s
Bank (D-SIB). Pada 2023, tambahan modal penyangga yang additional capital buffers were Capital Conservation Buffer
berlaku bagi Bank adalah Capital Conservation Buffer sebesar of 0%, Countercyclical Buffer of 0% and Capital Surcharge
0%, Countercyclical Buffer sebesar 0% dan Capital Surcharge for D-SIB of 0%.
untuk D-SIB sebesar 0%.
246 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Persyaratan Capital Conservation Buffer akan ditingkatkan The Capital Conservation Buffer requirements will be
setiap tahunnya hingga mencapai ketentuan minimum increased every year until they reach the minimum
sebesar 2,5%, sedangkan persyaratan Countercyclical requirement of 2.5%, while the Countercyclical buffer and
buffer dan Capital Surcharge untuk D-SIB akan di-review Capital Surcharge for D-SIB requirements will be reviewed by
oleh regulator sebanyak dua kali setiap tahunnya. Seluruh the regulator twice a year. All buffer obligations must be met
kewajiban modal penyangga harus dipenuhi dengan Common with Common Equity Tier 1 (CET 1).
Equity Tier 1 (CET 1).
Pada 31 Desember 2023, posisi Capital Adequacy Ratio (CAR) As of December 31, 2023, the Bank’s Capital Adequacy
untuk Bank berada pada tingkat 43,84%, berada di atas Ratio (CAR) was at 43.84%, above the minimum capital
ketentuan modal minimum termasuk tambahan kewajiban requirement including additional capital buffer obligations.
modal penyangga. Selain itu, Tier 1 rasio (pada saat ini sama In addition, the Tier 1 ratio (currently the same as the CET 1
dengan CET 1 rasio) sebesar 42,98% juga masih berada di ratio) of 42.98% was also still above the applicable minimum
atas ketentuan minimum yang berlaku (Tier 1 sebesar 5,49% requirements (Tier 1 of 5.49% and CET 1 of 4.5%. This figure
dan CET 1 sebesar 4,5%. Angka tersebut mengindikasikan indicates that the Bank has capital reserves required to cover
Bank memiliki cadangan modal yang dibutuhkan untuk all identified risks and ensure the continued availability of
menanggung semua risiko yang teridentifikasi dan capital to address all risks.
memastikan ketersediaan modal yang berkesinambungan
untuk mengatasi seluruh risiko.
Bank Raya terus menjaga struktur permodalan yang optimal Bank Raya shall always maintain an optimal capital structure
untuk mendukung pertumbuhan bisnis. Selain itu, Bank juga to support business growth in addition to a robust and
akan mengelola struktur permodalan yang kuat dan sehat sound capital structure for an adequate platform of optimal
untuk menyediakan ruang yang memadai bagi pertumbuhan business growth. The Bank’s capital is also managed by
bisnis yang optimal. Pada saat bersamaan, Bank juga considering capital safety.
mengelola modal pada tingkat yang aman.
Struktur modal Bank Raya pada 31 Desember 2023 adalah Bank Raya capital structure as of December 31, 2023 is as
sebagai berikut: follows:
Struktur Modal Bank Raya Bank Raya Capital Structure
Uraian / Description 2023 2022
Total ATMR Risiko Kredit / Total RWA Credit Risk 6.298.313 5.622.611
Total ATMR Risiko Pasar / Total RWA Market Risk 35.278 84.364
Total ATMR Risiko Operasional / Total RWA Operational Risk 1.100.863 1.556.761
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 247
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengungkapan komitmen dan kontijensi Bank Raya pada Disclosure of Bank Raya’s commitments and contingencies
posisi 31 Desember 2023 dapat dilihat pada tabel berikut: as of December 31, 2023 can be seen in the following table:
Komitmen dan Kontijensi Bank Raya Bank Raya Commitments and Contingencies
Uraian / Description 2023 2022
Komitmen / Commitments
Rupiah
Fasilitas kredit yang diberikan kepada debitur yang belum digunakan / Unused
(147.403) (363.414)
Loan Facilities
Dolar Amerika Serikat / US Dollar
Fasilitas kredit yang diberikan kepada debitur yang belum digunakan / Unused
- (82.518)
Loan Facilities
L/C yang tidak dapat dibatalkan yang masih berjalan dalam rangka impor /
- (2.305)
Irrevocable letters of credit
Subjumlah / Subtotal - (84.823)
Kontinjensi / Contingencies
Rupiah
Bank Raya tidak memiliki ikatan yang material untuk investasi Bank Raya did not enter into material commitments for
barang modal pada 2023. capital expenditure in 2023.
248 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Perlengkapan Kantor / Office Equipment Pendukung Operasional / Operational Support 5.049 53.598
Aset dalam Penyelesaian / Construction in-
Pendukung Operasional / Operational Support 60 8.883
progress
Aset Hak Guna / Right-of-Use Assets Pendukung Operasional / Operational Support 7.312 95.374
Aset Tak Berwujud / Intangible Assets Pendukung Operasional / Operational Support 28.877 5.174
Nilai investasi barang modal Bank Raya pada 2023 adalah Bank Raya’s s investment in capital goods was Rp45.73 billion
sejumlah Rp45,73 miliar. Sebagian besar investasi tersebut in 2023. Most of the investment was realized in the types of
direalisasikan pada jenis barang modal Aset Tak Berwujud capital goods, Intangible Assets, and Head Office Leasehold
dan Aset Hak Guna Sewa Kantor Pusat dalam menunjang Assets to support digital transformation and company
tranformasi digital serta untuk menunjang operasional operations.
perusahaan.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 249
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sebelum berakhirnya tahun buku, Bank dapat membagikan Before the end of the fiscal year, the Bank may distribute
dividen interim dengan ketentuan yang diatur dalam interim dividends with the provisions stipulated in the
Anggaran Dasar. Terkait hal itu, pembagian dividen interim Articles of Association. In this regard, the distribution of
dilakukan dengan tidak menyebabkan aset bersih Bank interim dividends is carried out without causing the Bank’s
kurang dari modal ditempatkan dan disetor penuh serta net assets to be less than the issued and fully paid capital
cadangan wajib Bank. Pembagian dividen interim ditetapkan and the Bank’s statutory reserves. The distribution of interim
oleh Direksi melalui persetujuan Dewan Komisaris. dividends is determined by the Board of Directors through
approval from the Board of Commissioners.
250 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
ASPEK PERPAJAKAN
Tax Aspect
Bank Raya menyalurkan kontribusi kepada negara melalui Bank Raya contributes to the state by fulfilling its obligations
pemenuhan kewajiban Bank sebagai wajib pajak dan sebagai as a taxpayer and tax withholder/collector. As a taxpayer,
pemotong/pemungut pajak. Sebagai wajib pajak, kontribusi the Bank’s biggest contribution is its Corporate Income
terbesar Bank adalah memenuhi kewajiban PPh Badan. Tax payment which in 2023 was at Rp97.69 billion, with a
Pembayaran pajak Bank pada 2023 adalah sejumlah Rp97,69 comparison to payments in 2022 as follows:
miliar, dengan perbandingan terhadap pembayaran pada
2022 sebagai berikut:
PPh Pasal 4 ayat 2 / Income Tax Article 4 paragraph 2 70.283 64.291 5.992 9,32%
Hingga akhir tahun 2023, laporan penggunaan dana hasil Until the end of 2023, the report on the use of proceeds from
penawaran umum tersebut adalah sebagai berikut: the public offering is as follows:
Rencana Penggunaan
Realisasi Penggunaan Dana
Nilai Realisasi Hasil Penawaran Umum / Dana Menurut Prospektus dan
Menurut Prospektus / Plan of Proceeds Sisa Dana Hasil
Jenis Public Offering Value Realization RUPS / Plan of Proceeds Use Based on
Tanggal Use Based on the Prospectus Penawaran
Penawaran the Prospectus and GMS
Efektif / Umum /
No. Umum / Type Jumlah Hasil
Effective Biaya Remaining
of Public Penawaran Kredit Berbasis Kredit Berbasis
Date Penawaran Hasil Bersih / Public Offering
Offering Umum / Total Digital / Digital- Jumlah / Total Digital / Digital- Jumlah / Total
Umum / Net Proceed Proceeds
Public Offering Based Loan Based Loan
Issuance Cost
Proceeds
Penawaran
Umum
Dengan Hak
Memasan
Desember /
Efek Terlebih
1 December 1.159.999.703.500 9.199.984.533 1.150.799.718.967 1.150.799.718.967 1.150.799.718.967 1.159.999.703.500 1.159.999.703.500 0
Dahulu IX
2021
/ Public
Offering with
Pre-emptive
Rights IX
Penawaran
Umum
Dengan Hak
Memasan
Desember /
Efek Terlebih
2 December 996.600.916.000 6.109.056.000 990.491.860.000 990.491.860.000 990.491.860.000 925.745.199. 903 925.745.199. 903 64.746.660. 097
Dahulu X
2022
/ Public
Offering with
Pre-emptive
Rights X
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 251
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Mengacu pada laporan keuangan PT Bank Raya Indonesia Tbk Referring to the 2023 financial statements of PT Bank Raya
untuk tahun 2023 yang telah diaudit oleh KAP Purwantono, Indonesia Tbk audited by KAP Purwantono, Sungkoro, and
Sungkoro, dan Surja (a member firm of Ernst & Young Global Surja (a member firm of Ernst & Young Global Limited), there
Limited), tidak terdapat peristiwa dan fakta material yang were no material events and facts that occurred on December
terjadi pada 31 Desember 2023 sampai dengan laporan 31, 2023 up to the financial statements’ publication.
keuangan tersebut dipublikasikan.
Tidak terdapat transaksi material berkenaan dengan aktivitas There were no material transactions relating to investment
investasi, ekspansi, divestasi, penggabungan/peleburan activities, expansion, divestment, business mergers/
usaha, akuisisi, restrukturisasi utang/modal yang dilakukan consolidations, acquisitions, debt/capital restructuring
Bank Raya pada 2023. carried out by Bank Raya in 2023.
Tidak terdapat kejadian yang bersifat luar biasa dan jarang There were no extraordinary or rare events related to Bank
terkait keuangan Bank Raya pada 2023. Raya’s finances in 2023.
Transaksi Material adalah setiap transaksi yang dilakukan Material Transaction is any transaction made by a Public
oleh Perusahaan Terbuka atau Perusahaan Terkendali Company or Controlled Company that meets the value limits
yang memenuhi batasan nilai sebagaimana diatur set out in Financial Services Authority Regulation (POJK)
dalam Peraturan Otoritas Jasa Keuangan (POJK) No.17/ No. 17/POJK.04/2020 concerning Material Transactions and
POJK.04/2020 Tentang Transaksi Material dan Perubahan Changes in Business Activities.
Kegiatan Usaha.
252 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 253
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya memiliki Kebijakan Benturan Kepentingan yang Bank Raya has a Conflict of Interest Policy as defined in
tertuang dalam Surat Keputusan No. Kpts.13/Dir 01.02/0JL/ Decree No. Kpts.13/Dir 01.02/0JL/LCA/01/2022 dated
LCA/01/2022 tanggal 12 Januari 2022 Tentang Kebijakan January 12, 2022, concerning Policies for Handling Conflicts
Penanganan Benturan Kepentingan (Conflict of Interest). of Interest.
Penanganan Benturan Kepentingan pada dasarnya dilakukan Handling Conflicts of Interest is primarily done through
melalui perbaikan nilai, sistem, pribadi dan budaya. Adapun improving values, systems, personal, and cultural values.
prinsip-prinsip dasar penanganan Benturan Kepentingan The basic principles for handling Conflicts of Interest are as
antara lain: follows:
1. Menjaga integritas, mengutamakan kepentingan publik 1. Maintain integrity, prioritize the interests of the public
dan Perseroan serta berkomitmen dalam penanganan and the Company, and commit to handling Conflicts of
Benturan Kepentingan. Interest.
2. Menciptakan keterbukaan penanganan dan pengawasan 2. Create transparency in handling and monitoring Conflicts
Benturan Kepentingan. of Interest.
3. Mendorong tanggung jawab pribadi dan sikap 3. Encourage personal responsibility and exemplary
keteladanan. attitudes.
4. Menciptakan dan membina budaya organisasi yang 4. Create and foster an organizational culture that is capable
mampu menangani Benturan Kepentingan. of handling Conflicts of Interest.
Tidak terdapat transaksi material dengan benturan There were no material transactions with conflicts of interest
kepentingan yang dilakukan Bank Raya pada 2023. carried out by Bank Raya in 2023.
254 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
belah pihak, dengan persyaratan tersebut mungkin tidak where such terms may not be the same as transaction
sama dengan transaksi yang dilakukan dengan pihak ketiga. undertaken with third parties.
Informasi pihak-pihak berelasi Bank pada transaksi afiliasi Information on the Bank’s related parties for the 2023
2023 adalah sebagai berikut: affiliated transactions is as follows:
Nama Pihak Berelasi / Sifat Pihak Berelasi / Jenis Transaksi /
Name of Related Parties Nature of Relationship Type of Transaction
Giro pada bank lain, penempatan pada Bank Indonesia
dan bank lain, efek-efek dan garansi bank yang
PT Bank Rakyat Indonesia
Entitas Induk / Parent Entity diterbitkan / Current accounts with other banks,
(Persero) Tbk
placement with Bank Indonesia and other bank,
securities and guarantees issued
Hubungan pengendalian melalui entitas induk / Control relationship
PT BRI Asuransi Indonesia Kas, aset tetap / Cash, premises, and equipment
through the parent entity
Pemerintah Republik Indonesia Kepemilikan saham mayoritas melalui Kementerian Keuangan RI /
(RI) / Government of the Republic Ownership of majority shares through the Ministry of Finance of the Efek-efek / Securities
of Indonesia (RI) Republic of Indonesia
Hubungan pengendalian melalui entitas induk / Control relationship
PT BRI Manajemen Investasi Efek-efek / Securities
through the parent entity
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
Giro pada bank lain, Efek-efek / Current accounts
PT Bank Mandiri (Persero) Tbk Common control relationship through the Central Government of
with other banks, Securities
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Bank Negara Indonesia Giro pada bank lain / Current accounts with other
Common control relationship through the Central Government of
(Persero) Tbk banks
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Perkebunan Nusantara II Common control relationship through the Central Government of Kredit yang diberikan, Efek-efek / Loans, securities
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Perkebunan Nusantara III
Common control relationship through the Central GovernmenT of Kredit yang diberikan / Loans
(Persero)
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Perkebunan Nusantara VII Common control relationship through the Central Government of Kredit yang diberikan / Loans
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Perkebunan Nusantara XIV Common control relationship through the Central Government of Kredit yang diberikan / Loans
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Laras Astra Kartika Common control relationship through the Central Government of Kredit yang diberikan / Loans
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Kereta Api Indonesia
Common control relationship through the Central Government of Efek-efek / Securities
(Persero)
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Perusahaan Listrik Negara
Common control relationship through the Central Government of Kredit yang diberikan, Efek-efek / Loans, Securities
(Persero)
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Industri Kereta Api (Persero) Common control relationship through the Central Government of Efek-efek / Securities
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Jasamarga Ngawi Kertosono
Common control relationship through the Central Government of Kredit yang diberikan / Loans
Kediri
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Kresna Kusuma Dyandra
Common control relationship through the Central Government of Kredit yang diberikan / Loans
Marga
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Bank Mandiri Taspen Common control relationship through the Central Government of Efek-efek / Securities
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Perkebunan Nusantara IV Common control relationship through the Central Government of Kredit yang diberikan / Loans
the Republic of Indonesia
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Pegadaian Common control relationship through the Central Government of Efek-efek / Securities
the Republic of Indonesia
Dana Pensiun Lembaga Hubungan program imbalan pasca kerja / Post-employment benefit Program penisun iuran pasti / Defined employee
Keuangan BRI plan benefit plan
Hubungan pengendalian bersama melalui Pemerintah Pusat RI /
PT Sarana Multi Infrastruktur Common control relationship through the Central Government of Efek-efek / Securities
the Republic of Indonesia
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 255
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Seluruh transaksi afiliasi Bank Raya telah dilaporkan pada All affiliate transactions of Bank Raya have been reported
Otoritas Jasa Keuangan (OJK). Adapun, transaksi terkait to the Financial Services Authority (OJK). Meanwhile,
dengan pihak afiliasi yang dilaporkan pada periode 2023 transactions related to affiliated parties reported in the 2023
adalah sebagai berikut: period are as follows:
Tanggal Nomor
Sifat Hubungan
Transaksi / Jenis Transaksi / Pihak Afiliasi Pelaporan Keterangan /
No. Afiliasi / Nature of
Transaction Type of Transaction / Affiliation / Reporting Description
Affiliation
Date Number
Laporan Transaksi Afiliasi Penandatanganan
Perjanjian Kerja sama antara PT Bank Rakyat
Indonesia Tbk dengan PT Bank Raya Indonesia Pada transaksi afiliasi ini, BBRI
Tbk tentang Penerbitan Bank Garansi dan memberikan referensi fasilitas Bank
Penyaluran Fasilitas Kredit Piang Maksima, BRI sebagai Garansi, Pinang Maksima & Pinang
03 Januari PT Bank
Piang Performa kepada Rekanan (Vendor Pemegang Saham Performa Bank Raya kepada rekanan
2023 / Rakyat B.04/Dir.02.03/
1 Financing) / Report on Affiliate Transaction, Pengendali / BRI BRI / In this affiliate transaction,
January 03, Indonesia CSC/01/2023
Signing of Cooperation Agreement between as Controlling BBRI provides references for
2023 (Persero) Tbk
PT Bank Rakyat Indonesia Tbk and PT Bank Shareholder Bank Guarantee, Pinang Maksima
Raya Indonesia Tbk regarding Issuance of & Pinang Performa of Bank Raya
Bank Guarantees and Distribution of Pinang facilities to BRI partners
Maksima, Pinang Performa Credit Facilities to
Partners (Vendor Financing)
Transaksi Sinergi bisnis
bersifat intangible yang saling
Penyampaian Laporan Transaksi Afiliasi menguntungkan berupa
Penandatanganan Perjanjian Kerja sama penggunaan Aplikasi Data Watchlist
antara PT Bank Rakyat Indonesia Tbk dengan BRI sebagai PT Bank Rakyat Indonesia (Persero)
29 Agustus PT Bank
PT Bank Raya Indonesia Tbk tentang Akses Pemegang Saham B.426/ Tbk untuk mendukung pencegahan
2023 / Rakyat
2 Data Watchlist / Submission of Report on Pengendali / BRI DIR.01.04/ APU PPT & PPPSPM / Intangible
August 29, Indonesia
Affiliate Transaction, Signing of Cooperation as Controlling CSC/08/2023 business synergy transactions that
2023 (Persero) Tbk
Agreement between PT Bank Rakyat Shareholder are mutually beneficial by using
Indonesia Tbk and PT Bank Raya Indonesia Data Watchlist Application of PT
Tbk regarding Watchlist Data Access Bank Rakyat Indonesia (Persero)
Tbk to support the prevention of
APU PPT & PPPSPM
256 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pernyataan Kewajaran dan Alasan Dilakukannya Transaksi Statement of Fairness and Reasons for Transactions
Bank Raya memastikan seluruh transaksi yang dilakukan Bank Raya ensures that all transactions in 2023 have been
pada 2023 telah dilakukan secara wajar (Arm’s Length) dan carried out in Arm’s Length principle and in accordance
sesuai dengan persyaratan komersial normal. Kewajaran with normal commercial requirements. Transactions with
transaksi dengan pihak terkait, atau mengandung benturan related parties or containing conflicts of interest have been
kepentingan, telah dilakukan secara wajar sesuai peraturan carried out fairly in accordance with statutory regulations.
perundang-undangan. Transaksi dilakukan atas dasar alasan Such transactions are based on necessity and are free from
kebutuhan dan bebas dari konflik kepentingan. conflicts of interest.
Peran Dewan Komisaris dan Komite Audit dalam Role of the Board of Commissioners and Audit Committee
Memastikan Kewajaran Transaksi in Ensuring Transaction Fairness
Bank Raya mengatur pemberian kredit melalui persetujuan Bank Raya regulates loan disbursement with approval from
Dewan Komisaris, melalui rekomendasi Komite Audit. the Board of Commissioners, through recommendations
Mekanisme ini diatur di dalam Surat Edaran (SE) Direksi from the Audit Committee. This mechanism is regulated
Nomor SE:B37/Dir.01.03/ADK/06/2020 tanggal 12 Juni 2020 in the Board of Directors Circular Letter (SE) No. SE: B37/
tentang Batas Maksimum Pemberian Kredit dan Penyediaan Dir.01.03/ADK/06/2020 dated June 12, 2020 on Maximum
Dana Besar. Limit for Loan and Large Funds Provision.
Sesuai ketentuan tersebut, Bank menerapkan prosedur In accordance with the provision, the Bank applies the
persetujuan penyediaan dana kepada pihak terkait sebagai following procedures for approving provision of funds to
berikut: related parties:
1. Persetujuan Dewan Komisaris untuk penyediaan dana 1. Approval from the Board of Commissioners for the
kepada pihak terkait Bank diajukan secara mandiri atau provision of funds to related parties of the Bank is
kolektif melalui Divisi Credit Operations. submitted independently or collectively through the
Credit Operations Division.
2. Pemberian penyediaan dana kepada pihak terkait 2. Provision of funds to related parties must be reviewed
wajib di-review terlebih dahulu sebelum dimintakan first before approval is requested from the Board of
persetujuan kepada Dewan Komisaris. Commissioners.
Giro pada bank lain / Current accounts with other banks 113.586 153.548
Penempatan pada Bank Indonesia dan bank lain / Placements with Bank
- -
Indonesia and other banks
Efek-efek / Marketable securities 3.959.744 4.302.613
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 257
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Terdapat perubahan peraturan perundang-undangan There were changes to the laws and regulations applicable to
yang berlaku terhadap Bank pada 2023, dengan perincian the Bank in 2023, with the following details of the regulations/
peraturan/undang-undang serta dampak bagi Bank sebagai laws and the impact on the Bank:
berikut:
Uraian / Mulai Berlaku / Dampak bagi Bank /
No.
Description Effective on Impact to the Bank
1. POJK No.8 Tahun 2023 14 Juni 2023 / Bank Raya memliki kewajiban untuk menyusun kebijakan internal sesuai dengan
tanggal 14 Juni 2023 tentang Juni 14, 2023 POJK tersebut. / Bank Raya is obliged to prepare internal policies in accordance
Penerapan Program Anti with the POJK.
Pencucian Uang, Pencegahan
Pendanaan Terorisme, Dan Bank Raya telah menerbitkan Penyesuaian ketentuan internal, yaitu Pedoman
Pencegahan Pendanaan Pelaksanaan NO SE: B.60/Dir.01.04/PCP/LCA/12/2023 tanggal 8 Desember 2023
Proliferasi Senjata Pemusnah tentang Penerapan Program APU, PPT dan PPPSPM yang telah mendapatkan
Massal Di Sektor Jasa persetujuan Direksi dan Dewan Komisaris (vide Surat Direksi No: B.777-Dir.04/
Keuangan / POJK No.8 of LCA/12/2023 tanggal 12 Desember 2023). / Bank Raya issued adjustments
2023 dated June 14, 2023, to internal regulations, namely Implementation Guidelines NO SE: B.60/
concerning the Program Dir.01.04/PCP/LCA/12/2023 dated December 8, 2023, concerning the Program
Implementation of Anti- Implementation of APU, PPT, and PPPSPM which received approval from the
Money Laundering, Prevention Board of Directors and Board of Commissioners (vide Board of Directors Letter
of Terrorism Financing, and No: B.777-Dir.04/LCA/12/2023 dated December 12, 2023).
Prevention of Funding for • Penyampaian rencana pengkinian data Nasabah tahun 2024 kepada OJK (vide
the Proliferation of Weapons Surat Direksi No: B.799-Dir.04/LCA/12/2023 tanggal 22 Desember 2023). /
of Mass Destruction in the Submission of plans to update customer data for 2024 to OJK (vide Board of
Financial Services Sector Directors Letter No: B.799-Dir.04/LCA/12/2023 dated December 22, 2023).
2. Peraturan Otoritas Jasa 14 September Bank Raya memliki kewajiban untuk menyusun kebijakan internal sesuai dengan
Keuangan Nomor 17 Tahun 2023 / POJK tersebut / Bank Raya is obliged to prepare internal policies in accordance
2023 Tentang Penerapan September 14, with the POJK
Tata Kelola Bagi Bank Umum 2023 Penerapan prinsip Tata Kelola yang Baik pada Bank, yang paling sedikit mencakup
/ Financial Services Authority keterbukaan, akuntabilitas, tanggung jawab, independensi dan kewajaran,
Regulation No. 17 of 2023 dan paling sedikit diwujudkan dalam pelaksanaan tugas, tanggung jawab, dan
concerning Implementation wewenang Direksi dan Dewan Komisaris, kelengkapan dan pelaksanaan tugas
of Governance for Commercial komite, penangan benturan kepentingan, penerapan fungsi kepatuhan, penerapan
Banks fungsi audit intern, penerapan fungsi audit ekstern, penerapan manajemen risiko,
pemberian remunerasi, penyediaan dana kepada pihak terkait dan penyediaan
dana besar, integritas pelaporan dan sistem teknologi informasi, rencana
strategis Bank, aspek pemegang saham, penerapan strategi anti fraud, penerapan
keuangan berkelanjutan, dan penerapan tata kelola dalam kelompok usaha bank,
penerapan tata kelola pada kantor cabang dari bank yang berkedudukan di luar
negeri, dan sanksi administratif. / Implementation of Good Governance principles
in the Bank, which at least includes transparency, accountability, responsibility,
independency, and fairness, and is at least realized in the implementation of
duties, responsibilities, and authority of the Board of Directors and Board of
Commissioners, completeness and implementation of committee duties, handling
conflicts interests, compliance function implementation, internal audit function
implementation, external audit function implementation, risk management
implementation, provision of remuneration, provision of funds to related
parties and provision of large funds, the integrity of reporting and information
technology systems, Bank strategic plans, shareholder aspects, anti-fraud
strategy implementation, sustainable finance implementation, and governance
implementation in bank business groups, branch offices of banks domiciled
abroad, and administrative sanctions.
258 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
3. Amendemen PSAK 16 ”Aset Tetap - Hasil - Berlaku efektif pada tanggal 01 Januari 2023. / Effective on January Amendemen PSAK No.16 tidak berdampak
sebelum Penggunaan yang Diintensikan” 01, 2023. material terhadap pelaporan keuangan dan
/ Amendment to PSAK 16 “Fixed Assets - - Amendemen ini tidak memperbolehkan entitas untuk mengurangi pengungkapan dalam laporan keuangan
Results before Intended Use” suatu hasil penjualan item yang diproduksi saat membawa aset konsolidasian. / Amendments to PSAK No.
tersebut ke lokasi dan kondisi yang diperlukan supaya aset dapat 16 did not have a material impact on financial
beroperasi sesuai dengan intensi manajemen dari biaya perolehan reporting and disclosures in the consolidated
suatu aset tetap. Sebaliknya, entitas mengakui hasil dari penjualan financial statements.
item-item tersebut, dan biaya untuk memproduksi item-item
tersebut, dalam laba rugi. / Tidak memiliki dampak secara kuantitatif
This amendment did not allow an entity to deduct any proceeds from terhadap laporan keuangan. / Did not have a
the sale of items produced when bringing the asset to the location quantitative impact on financial statements.
and condition necessary for the asset to operate according to
management’s intentions from the cost of acquiring a fixed asset.
Instead, the entity recognized the proceeds from the sale of those
items, and the costs of producing those items, in profit or loss.
4. Amendemen PSAK 46, ”Pajak - Berlaku efektif pada tanggal 01 Januari 2023. / Effective on January Amendemen PSAK No.46 tidak berdampak
Penghasilan tentang Pajak Tangguhan 01, 2023. material terhadap pelaporan keuangan dan
Terkait Aset dan Liabilitas Yang Timbul - Amendemen ini mengusulkan agar entitas mengakui aset maupun pengungkapan dalam laporan keuangan
Dari Transaksi Tunggal” / Amendment liabilitas pajak tangguhan pada saat pengakuan awalnya sebagai konsolidasian. / Amendments to PSAK No.
to PSAK 46, “Income Taxes regarding contoh dari transaksi sewa, untuk mengeliminasi perbedaan praktik 46 did not have a material impact on financial
Deferred Taxes Related to Assets saat ini atas transaksi tersebut dan transaksi lain yang serupa. / reporting and disclosures in the consolidated
and Liabilities Arising from Single This amendment proposed that entities recognized both deferred financial statements.
Transactions” tax assets and liabilities upon initial recognition such as lease
transactions, to eliminate differences in current practice for such Tidak memiliki dampak secara kuantitatif
transactions and other similar transactions. terhadap laporan keuangan. / Did not have a
quantitative impact on financial statements.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 259
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Manajemen Bank melakukan monitoring terhadap The Bank’s management regularly monitors business
kelangsungan usaha secara berkala melalui analisis continuity through analysis of external and internal dynamics,
terhadap dinamika eksternal dan internal, mencakup including macroeconomic developments, banking industry,
perkembangan ekonomi makro, industri perbankan, serta and business development dynamics. Monitoring is carried
dinamika perkembangan usaha. Monitoring dilakukan secara out continuously as an effort to realize the Bank’s sustainable
terus-menerus sebagai upaya mewujudkan pertumbuhan growth in achieving optimal performance and added value for
berkelanjutan Bank, sebagai upaya menghadirkan kinerja shareholders and stakeholders.
optimal dan nilai tambah bagi pemegang saham dan
pemangku kepentingan.
Berdasarkan analisis yang telah dilakukan, manajemen Based on the analysis that has been carried out, Bank
Bank menilai terdapat hal-hal tertentu yang berpengaruh management assesses that there are certain things that will
signifikan pada 2023, berupa: have a significant impact in 2023, as follows.
Pertumbuhan ekonomi global tahun 2023 akan diperkirakan Global economic growth in 2023 was expected to remain
tetap mengalami ketidakpastian dengan tingkat uncertain with a growth rate of 2.7% in September 2023,
pertumbuhan sebesar 2,7% pada bulan September 2023, hal which was due to a number of factors as follows:
ini disebabkan oleh beberapa hal sebagai berikut:
1. Dampak dari terjadinya pandemi COVID-19 dan invasi 1. The impact of the COVID-19 pandemic and the Russian-
Rusia - Ukraina meskipun pada awal tahun 2023 telah Ukrainian invasion, although the global economy showed
menunjukkan kestabilan perekonomian global. Kedua stability at the beginning of 2023. These two events had a
peristiwa ini memiliki dampak yang berpengaruh besar major impact on the economy, affecting trade and global
pada perekonomian dikarenakan memengaruhi pada supply chains, and worsening commodity and food prices
sektor perdagangan dan rantai pasokan global, dan worldwide.
memperburuk kenaikan harga komoditas dan pangan
global.
2. Melemahnya perekonomian Tiongkok disebabkan oleh 2. The weakening of the Chinese economy was because
pelemahan pada permintaan domestik karena keyakinan of the weakening domestic demand due to consumer
konsumen, utang rumah tangga, dan permasalahan confidence, household debt, property sector problems,
sektor properti, penurunan ekspor akibat perlambatan and a decline in exports caused by the slowdown in the
ekonomi global. global economy.
3. Penguatan perekonomian Amerika Serikat yang didukung 3. Strengthening the United States economy, supported by
oleh konsumsi rumah tangga seiring dengan kenaikan household consumption in line with rising wages and the
upah dan pemanfaatan excess savings. use of excess savings.
4. Tingkat Inflasi di negara maju yang masih tetap tinggi 4. Inflation levels in developed countries remained high due
karena berlanjutnya tekanan inflasi pada sektor jasa, dan to continued inflationary pressures in the services sector
meningkatnya harga komoditi minyak. and rising oil commodity prices.
5. Terdapatnya tekanan aliran modal keluar dan pelemahan 5. Capital outflows and exchange rate depreciation were
nilai tukar di negara berkembang semakin tinggi, under increasing pressure in developing countries, which
sehingga memerlukan penguatan respons kebijakan required strengthening political measures to mitigate
untuk memitigasi dampak negatif dari perlambatan the negative effects of the global economic slowdown,
ekonomi global tersebut, termasuk di Indonesia. including in Indonesia.
260 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Berdasarkan hasil penilaian self-assessment Tingkat Based on the results of the self-assessment of the Risk-
Kesehatan Bank pada 2023, disimpulkan bahwa Bank Raya Based Bank Rating Level in 2023, Bank Raya was ranked 2
berada peringkat 2 yang menandakan Bank dalam kondisi showing a healthy condition with the following details:
sehat, dengan penjabaran:
1. Tingkat Profil Risiko Bank berada pada peringkat 2 – Low 1. The Bank’s Risk Level is ranked 2 – Low to Moderate.
to Moderate.
2. Peringkat Komposit GCG secara umum berada pada 2. The GCG Composite Rating is generally at 2 – Good.
peringkat 2 – Baik.
3. Peringkat Rentabilitas Bank berada pada peringkat 2 – 3. The Bank’s Profitability Rating is at 2 – Adequate.
Memadai.
4. Peringkat Permodalan Bank berada pada peringkat 2 – 4. The Bank’s Capital Rating is at 2 – Adequate.
Memadai.
Dalam melakukan penilaian atas tingkat kesehatan Bank, Bank Raya’s Risk-Based Bank Rating assessment refers
Bank Raya dengan berpedoman pada Peraturan OJK Nomor to OJK Regulation No. 4/POJK.03/2016 on Risk-Based
4/POJK.03/2016 tentang Penilaian Tingkat Kesehatan Bank Bank Rating Assessment of Commercial Banks using a
Umum menggunakan pendekatan risiko. Pengukuran tingkat risk approach. Risk-Based Bank Rating measurement is
kesehatan Bank dilakukan berdasarkan risiko dan kinerja carried out based on Bank risks and performance, which are
Bank, yang dijabarkan dalam 4 (empat) faktor, yaitu profil described in 4 (four) factors, namely risk profile, corporate
risiko, tata kelola perusahaan, rentabilitas, dan permodalan. governance, profitability and capital.
Pada 2023, Bank Raya mendapatkan peringkat 2 (sehat) dari Bank Raya’s Risk-Based Bank Rating in 2023 was 2 (two). This
sisi tingkat kesehatan. Peringkat ini menunjukkan bahwa indicates that the Bank’s sound condition with the ability to
kondisi Bank secara umum sehat dan mampu melanjutkan continue its business amidst various significant negative
bisnisnya di tengah berbagai pengaruh negatif yang signifikan influences due to changes in business conditions and other
akibat perubahan kondisi bisnis dan faktor eksternal lainnya. external factors.
Tingkat Kesehatan Bank Raya pada Desember 2023 adalah Bank Raya’s Risk-Based Bank Rating as of December 2023 is
sebagai berikut: as follows:
Faktor Penilaian / Rating Factor Penilaian Bank / Bank Rating
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 261
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Untuk memastikan semua risiko utama telah diidentifikasi To ensure that all major risks have been identified and
dan dikelola dengan baik, Bank melakukan risk register dan managed properly, the Bank maintains a risk register and
menjaga agar risiko serta remediasinya agar selalu di-update. keeps risks and their remediation updated. Then, the
Kemudian hasil identifikasi risiko-risiko utama dilaporkan results of identification of the main risks are reported to
kepada Direksi. Selanjutnya Direksi akan menyampaikan hal the Board of Directors. Furthermore, the Board of Directors
tersebut pada rapat gabungan dengan Dewan Komisaris will convey this matter at a joint meeting with the Board of
Commissioners.
PROSPEK USAHA
Business Outlook
Secara mendasar, prospek ekonomi makro Indonesia pada Indonesia’s macroeconomic outlook for 2024 is generally
2024 ditandai oleh optimisme yang cukup kuat di tengah marked by strong optimism amidst dynamic political
dinamika kondisi politik pada lingkup global dan nasional. conditions at the global and national levels. This can be
Hal tersebut antara lain terlihat melalui tren pertumbuhan seen, among others, through Indonesia’s economic growth in
ekonomi Indonesia pada 2023 yang lebih tinggi dibanding 2023, which is higher than the average growth of other world
realisasi pertumbuhan rata-rata negara dunia. Tren resiliensi countries. A similar resilience can also be seen in Indonesia’s
serupa juga terlihat pada realisasi tingkat inflasi Indonesia inflation rate which was able to be maintained at around
yang mampu berada pada tingkat terjaga di kisaran 2,86% 2.86% (Statistics Indonesia, November 2023), better than the
(Badan Pusat Statistik, November 2023), lebih baik dibanding global inflation average of around 7.2%.
rata-rata inflasi global yang berkisar 7,2%.
Di tengah situasi tersebut, industri perbankan digital di Indonesia With such conditions, the digital banking industry in Indonesia
diperkirakan akan mampu tumbuh dengan persaingan yang is expected to be able to grow with intense competition.
ketat. Menyusul tren hadirnya bank digital baru sampai dengan Following the trend of emerging new digital banks until 2023,
2023, diperkirakan akan terjadi sejumlah akuisisi, merger, a number of acquisitions, mergers or bank consolidations is
ataupun konsolidasi bank guna memanfaatkan pertumbuhan estimated to occur in taking advantage of positive industry
industri yang baik dan pangsa pasar yang terus meluas. Sampai growth and expanding market share. As of the end of 2023,
dengan akhir 2023, di tengah digitalisasi yang tidak terhindari, along with inevitable digitalization, digital banking services
terjadi perkembangan layanan perbankan digital yang meluas di in Indonesia experienced widespread development, marking
Indonesia, yang membuat prospek usaha bank digital ke depan a positive note for future business outlook of digital banks.
diperkirakan akan positif.
Bank Raya menerapkan arah kebijakan transformatif untuk Bank Raya implements a transformative policy direction
hadir sebagai bank digital melalui dukungan teknologi to emerge as a digital bank through strong information
informasi yang kuat, guna menyasar segmen mikro dan kecil technology support, in order to target the micro and small
yang selama ini belum terlayani oleh penyedia jasa keuangan. segments that have not been served by financial service
Hal tersebut ditandai dengan pencanangan visi baru pada providers. This is marked by the launch of a new vision in
tahun 2024, yaitu “Bank Digital Utama yang Memberikan 2024, namely “The Main Digital Bank that Provides the Widest
Akses Terluas Bagi Masyarakat Segmen Mikro dan Kecil di Access for Micro and Small Segments of Community in
Indonesia”. Berbasis kinerja dan fundamental yang kuat, serta Indonesia”. Based on strong performance and fundamentals,
262 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
didukung ekosistem BRI Group dengan jangkauan luas, Bank and supported by the BRI Group ecosystem with a wide
Raya terus memaksimalkan kualitas dan kemudahan layanan reach, Bank Raya continues to maximize the quality and
melalui aplikasi Digital. Sampai dengan akhir 2023, Bank convenience of services through Digital applications. As of
terus mengembangkan sejumlah layanan melalui aplikasi the end of 2023, the Bank continued to develop a number of
Raya Digital untuk produk tabungan dan Pinang untuk produk services through the Raya Digital application and Pinang for
simpanan, guna ekosistem BRI. savings products, for the improvement of BRI ecosystem.
Sampai dengan akhir 2023, Bank Raya telah bekerja sama As of the end of 2023, Bank Raya has collaborated with 14
channeling dengan 14 (empat belas) perusahaan fintech (fourteen) fintech companies with a number that is expected
yang diperkirakan terus bertambah pada 2024. Dengan to continue to grow in 2024. With the huge potential in
adanya potensi besar pada industri, Bank Raya optimistis the industry, Bank Raya is optimistic to seize existing
dapat memanfaatkan prospek usaha melalui produk Pinang business prospects, among others, through Bank Raya’s
Connect dan produk Pinang lainnya seperti Pinang Flexi, Pinang Connect and other Pinang products such as Pinang
Pinang Performa, Pinang Maksima dan Pinang Dana Talangan. Flexi, Pinang Performa, Pinang Maksima, and Pinang Dana
Talangan.
Kebijakan insentif likuiditas dan penurunan rasio penyangga The liquidity incentive policy and reduction in the
likuiditas makroprudensial yang diberikan oleh Bank macroprudential liquidity buffer ratio provided by Bank
Indonesia semakin meningkatkan likuiditas Bank Raya. Indonesia further increased Bank Raya’s liquidity. This policy
Kebijakan tersebut diberikan untuk menstimulus pemberian is provided to stimulate loan distribution, one of which is
kredit salah satunya kepada UMKM. Hal tersebut sudah to MSMEs. This is in line with Bank Raya’s priority on loans
sejalan dengan prioritas pemberian kredit Bank Raya yaitu distribution, namely to the MSME sector, which will continue
kepada sektor UMKM yang akan terus diperluas pula ke arah to be expanded towards the sustainable business sector. The
sektor usaha berkelanjutan. Penambahan insentif likuiditas addition of liquidity incentives is certainly a positive boost for
tentunya menjadi dorongan positif bagi Bank Raya dan Bank Raya and will further increase Bank Raya’s capability to
akan semakin meningkatkan kapabilitas Bank Raya untuk distribute loans.
menyalurkan kredit.
Meskipun demikian, dengan berakhirnya periode relaksasi However, Bank Raya must prepare reserves to anticipate
Covid 19 pada tahun 2024, Bank Raya harus tetap relaxation period in 2024, for the Covid-19 has ended.
mempersiapkan cadangan untuk mengantisipasi hal
tersebut.
Prospek ekonomi domestik global dan domestik yang masih The global and domestic economic prospects, which are
menghadapi ketidakpastian juga akan mempengaruhi still facing uncertainty, will also affect the banking industry.
industri perbankan. Volatilitas pasar keuangan global dan Volatility of global financial markets and fluctuations in the
gejolak nilai tukar rupiah dapat berdampak pada nilai aset rupiah exchange rate can have an impact on the value of
finansial domestik dan kualitas kredit perbankan. Sementara domestic financial assets and the quality of banking credit.
itu, adanya perlambatan permintaan global dan tantangan Meanwhile, a slowdown in global demand and challenges in
pada ekonomi domestik dapat menyebabkan perlambatan the domestic economy may cause a slowdown in banking
pertumbuhan kredit perbankan. credit growth.
Di tahun 2024, pertumbuhan kredit perbankan diperkirakan Industry loans growth in 2024 is estimated to be in the range
berada pada kisaran 7,2-8,6% (yoy), turun dibandingkan tahun of 7.2-8.6% (yoy), down compared to 2023 which was 10.4%.
2023 yang sebesar 10,4%. Sementara itu, DPK perbankan Meanwhile, banking deposits are projected to grow by 6.2%-
diproyeksikan tumbuh sebesar 6,2%-7,0% (yoy) pada tahun 7.0% (yoy) in 2024, a slight increase compared to 2023 which
2024, sedikit meningkat dibandingkan pada tahun 2023 yang was 3.8% (yoy).
sebesar 3,8% (yoy).
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 263
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2023 2022
Deskripsi /
No.
Description Desember/ Juni / Maret / Desember/
September
December June March December
Modal yang Tersedia (nilai) / Available Capital (value)
1 Modal Inti Utama (CET1) / Common Equity (CET1) 3.195.692 3.213.474 3.235.798 3.130.344 3.105.488
2 Modal Inti (Tier 1) / Core Capital (Tier 1) 3.195.692 3.213.474 3.235.798 3.130.344 3.105.488
5 Rasio CET1 (%) / CET 1 Ratio (%) 42,98% 48,28% 45,77% 39,63% 42,54%
6 Rasio Tier 1 (%) / Tier 1 Ratio (%) 42,98% 48,28% 45,77% 39,63% 42,54%
7 Rasio Total Modal (%) / Total Capital Ratio (%) 43,84% 48,98% 46,60% 40,42% 43,50%
Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR /
Additional CET1 which acts as buffer in the form of RWA percentages
Capital conservation buffer (2,5% dari ATMR / 2.5% of
8 0% 0% 0% 0% 0%
RWA) (%)
Countercyclical Buffer (0-2,5% dari ATMR / 0-2.5% of RWA)
9 0% 0% 0% 0% 0%
(%)
Capital Surcharge untuk Bank Sistemik (1-2,5%) / Capital
10 0% 0% 0% 0% 0%
Surcharge for Systemic Bank (1%-2.5%) (%)
Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10) /
11 0% 0% 0% 0% 0%
Total CET1 as buffer (Line 8 + Line 9 + Line 10)
Komponen CET1 untuk buffer / CET1 components for
12 33,84% 38,99% 36,61% 40,43% 33,56%
buffer
Rasio pengungkit sesuai Basel III / Leverage ratio according to Basel III
264 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
2023 2022
Deskripsi /
No.
Description Desember/ Juni / Maret / Desember/
September
December June March December
Nilai Rasio Pengungkit, tidak termasuk dampak dari
penyesuaian terhadap pengecualian sementara atas
penempatan giro pada Bank Indonesia dalam rangka
14b memenuhi ketentuan GWM (jika ada) / Leverage Ratio 33,82% 37,79% 34,09% 32,21% 28,20%
Value, excluding adjustment impacts to temporary
exceptions for current account placements with Bank
Indonesia to comply with GWM provisions (if any)
Nilai Rasio Pengungkit, termasuk dampak dari
penyesuaian terhadap pengecualian sementara atas
penempatan giro pada Bank Indonesia dalam rangka
memenuhi ketentuan GWM (jika ada), yang telah
memasukkan nilai rata-rata dari nilai tercatat aset
14c Securities Financing Transaction (SFT) secara gross / 33,82% 37,79% 34,09% 32,21% 28,20%
Leverage Ratio Value, including adjustment impacts to
temporary exceptions for current account placements
with Bank Indonesia to comply with GWM provisions (if
any), which includes the average gross carrying amounts
of Securities Financing Transaction (SFT) assets
Nilai Rasio Pengungkit, tidak termasuk dampak dari
penyesuaian terhadap pengecualian sementara atas
penempatan giro pada Bank Indonesia dalam rangka
memenuhi ketentuan GWM (jika ada), yang telah
memasukkan nilai rata-rata dari nilai tercatat aset SFT
14d 33,82% 37,79% 34,09% 32,21% 28,20%
secara gross / Leverage Ratio Value, does not include
adjustment impacts to temporary exceptions for current
account placements with Bank Indonesia in order to
comply with GWM provisions (if any), which includes the
average gross carrying amounts of SFT assets
Rasio Kecukupan Likuiditas (LCR) / Liquidity Coverage Ratio (LCR)
Total Aset Likuid Berkualitas Tinggi (HQLA) / Total High
15 5.220.364 5.153.123 5.540.097 5.626.394 5.613.800
Quality Liquid Assets (HQLA)
Total Arus Kas Keluar Bersih (net cash outflow) / Total Net
16 2.271.227 1.641.962 2.384.312 2.096.807 2.972.363
Cash Outflow
17 LCR (%) 229,85% 313,84% 232,36% 268,33% 188,87%
Rasio Pendanaan Stabil Bersih (NSFR) / Net Stable Funding Ratio (NSFR)
Total Pendanaan Stabil yang Tersedia (ASF) / Total
18 7.500.750 6.848.639 7.237.842 7.763.277 8.250.253
Available Stable Funding (ASF)
Total Pendanaan Stabil yang Diperlukan (RSF) / Total
19 5.566.789 4.661.415 5.086.500 5.500.727 6.074.986
Required Stable Funding (RSF)
20 NSFR (%) 134,74% 146,92% 142,30% 141,13% 135,81%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 265
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LAPORAN NET STABLE FUNDING RATIO (NSFR) INDIVIDU / INDIVIDUAL NET STABLE FUNDING RATIO (NSFR) REPORT
Nama Bank / Bank Name : PT. Bank Raya Indonesia, Tbk.
Bulan Laporan / Reporting Month : Desember 2023 / December 2023
Analisis / Analysis
Rasio / Ratio Komponen / Component September 2023 Desember 2023 / December 2023
Net Stable Funding Ratio (NSFR) PT Bank Raya Indonesia, Tbk posisi Desember 2023 sebesar 134.74% mengalami penurunan sebesar 12.18%
dibandingkan posisi September 2023 sebesar 146.92%. Hal ini disebabkan adanya peningkatan komponen RSF yang lebih tinggi dibandingkan
peningkatan pada komponen ASF. /
The Net Stable Funding Ratio (NSFR) of PT Bank Raya Indonesia, Tbk whose position was at 134.74% in December 2023 decreased by 12.18%
compared to its previous position of 146.92% in September 2023.
Total ASF Bank Raya Individu periode bulan Desember 2023 sebesar Rp7,50 triliun mengalami peningkatan sebesar Rp652,11 miliar atau
sebesar 9,52% dibandingkan periode bulan September 2023 sebesar Rp6,85 triliun. /
The total ASF of Bank Raya Individu was Rp7.50 trillion for the December 2023 period, an increase of Rp652.11 billion or 9.52% compared to
the previous total of Rp6.85 trillion for the September 2023 period.
Peningkatan komponen ASF sebesar Rp652,11 miliar, antara lain berasal dari: / The increase in the ASF component, which amounts to
Rp652.11 billion, came from:
• Peningkatan Modal Bank Raya sebesar Rp38,76 miliar. / An increase in Bank Raya capital by Rp38.76 billion.
• Peningkatan pendanaan dari nasabah perorangan sebesar Rp73,59 miliar. / Increased funding from individual customers by Rp73.59
billion.
• Peningkatan pendanaan dari nasabah mikro usaha kecil sebesar Rp132,46 miliar. / Increased funding from micro and small enterprise
customers by Rp132.46 billion.
• Peningkatan pendanaan dari nasabah korporasi sebesar Rp407,30 miliar. / Increased funding from corporate customers by Rp407.30
billion.
Total RSF Bank Raya Individu periode bulan Desember 2023 sebesar Rp5,57 triliun mengalami peningkatan sebesar Rp905,37 miliar atau
sebesar 19.42% dibandingkan periode bulan September 2023 sebesar Rp4,66 triliun. /
The total RSF of Bank Raya Individu was Rp5.57 trillion for the December 2023 period, an increase of Rp905.37 billion or 19.42% compared to
the previous total of Rp4.66 trillion for the September 2023 period.
Peningkatan komponen RSF sebesar Rp905,37 miliar, antara lain berasal dari: / The increase in the RSF component, which amounts to
Rp905.37 billion, came from:
• Penurunan HQLA dalam rangka perhitungan NSFR sebesar Rp3,40 miliar. / A decrease in HQLA for NSFR calculation of Rp3.40 billion.
• Peningkatan simpanan pada lembaga keuangan lainnya untuk tujuan operasional sebesar Rp5,42 miliar. / An increase in deposits at other
financial institutions for operational purposes amounting to Rp5.42 billion.
• Peningkatan pinjaman kategori lancar dan DPK (performing) dan surat berharga sebesar Rp881,33 miliar. / An increase in current and DPK
(performing) category loans and securities amounting to Rp881.33 billion.
• Peningkatan aset lainnya sebesar Rp21,92 miliar. / An increase in other assets of Rp21.92 billion.
LAPORAN TOTAL EKSPOSUR DALAM RASIO LEVERAGE INDIVIDU / TOTAL EXPOSURE IN INDIVIDUAL LEVERAGE RATIO REPORT
Nama Bank / Bank Name : PT. Bank Raya Indonesia, Tbk.
Bulan Laporan / Reporting Month : Desember 2023 / December 2023
266 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
LAPORAN TOTAL EKSPOSUR DALAM RASIO LEVERAGE INDIVIDU / TOTAL EXPOSURE IN INDIVIDUAL LEVERAGE RATIO REPORT
Nama Bank / Bank Name : PT. Bank Raya Indonesia, Tbk.
Bulan Laporan / Reporting Month : Desember 2023 / December 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 267
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LAPORAN TOTAL EKSPOSUR DALAM RASIO LEVERAGE INDIVIDU / TOTAL EXPOSURE IN INDIVIDUAL LEVERAGE RATIO REPORT
Nama Bank / Bank Name : PT. Bank Raya Indonesia, Tbk.
Bulan Laporan / Reporting Month : Desember 2023 / December 2023
- Penyertaan yang diperhitungkan sebagai faktor pengurang / Inclusions calculated as deduction factors -
- Kekurangan modal pada perusahaan anak asuransi / Lack of capital in insurance subsidiary companies -
13 Total Eksposur dalam Perhitungan Rasio Leverage / Total Exposure in Leverage Ratio Calculation 9.450.083
268 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
LAPORAN PERHITUNGAN RASIO LEVERAGE INDIVIDU / INDIVIDUAL LEVERAGE RATIO CALCULATION REPORT
Nama Bank / Bank Name : PT. Bank Raya Indonesia, Tbk.
Bulan Laporan / Reporting Month : Desember 2023 / December 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 269
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LAPORAN PERHITUNGAN RASIO LEVERAGE INDIVIDU / INDIVIDUAL LEVERAGE RATIO CALCULATION REPORT
Nama Bank / Bank Name : PT. Bank Raya Indonesia, Tbk.
Bulan Laporan / Reporting Month : Desember 2023 / December 2023
24 Total Eksposur (Penjumlahan baris 7, 13, 18, dan 22) / Total Exposure (Summation of rows 7, 13, 18, and 22) 9.450.083 8.504.134
25 Nilai Rasio Leverage (Kolom 23 ÷ Kolom 24) / Leverage Ratio Value (Column 23 ÷ Column 24) 33,82% 37,79%
26 Nilai Minimum Rasio Leverage / Minimum Leverage Ratio Value 3,00% 3,00%
27 Buffer terhadap nilai Rasio Leverage / Buffer against the Leverage Ratio value N/A N/A
Analisis / Analysis
Dalam juta rupiah / In million rupiah
Rasio / Komponen / Desember 2023/
September 2023
Ratio Component December 2023
High-Quality Liquid Assets (HQLA) 5.153.123 5.220.364
Liquidity Coverage Ratio (LCR)
Net Cash Outflows (NCO) 1.641.962 2.271.227
270 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Liquidity Coverage Ratio (LCR) dari PT Bank Raya, Tbk Liquidity Coverage Ratio (LCR) of PT Bank Raya, Tbk whose
posisi bulan Desember 2023 sebesar 229.85% mengalami position was at 229.85% in December 2023 decreased by
penurunan sebesar 83.99% jika dibandingkan dengan LCR 83.99% compared to its previous position of 313.84% in
posisi bulan September 2023 sebesar 313.84%. Hal ini September 2023. This is caused by an increase in the HQLA
disebabkan oleh peningkatan persentase HQLA yaitu sebesar percentage by 1.03%, which is smaller compared to the
1.03% lebih kecil jika di bandingkan dengan peningkatan increase of 38.32% in the NCO percentage.
persentase NCO sebesar 38.32%.
Peningkatan komponen HQLA sebesar Rp67,24 miliar atau The increase of Rp67.24 billion or 1.03% in the HQLA
1,03% antara lain berasal dari peningkatan Surat berharga component came from an increase in securities issued by the
yang diterbitkan Pemerintah Pusat dan Bank Indonesia dalam Central Government and Bank Indonesia in rupiah and foreign
rupiah dan valuta asing sebesar Rp108,87 miliar. currency amounting to Rp108.87 billion.
Sementara NCO mengalami peningkatan sebesar Rp629.26 Meanwhile, NCO experienced an increase of Rp629.26 billion
miliar atau 38.32% antara lain berasal dari: or 38.32%, including from:
Peningkatan dari Arus Kas Keluar sebesar Rp639.78 miliar Increase in Cash Outflow of Rp639.78 billion which came
yang berasal dari: from:
• Peningkatan dari komponen Jumlah Penarikan Simpanan • Increase in the component of the Amount of Individual
Nasabah Perorangan sebesar Rp7,69 miliar; Customer Deposit Withdrawal amounting to Rp7.69
billion;
• Peningkatan dari komponen Jumlah Penarikan • Increase in the component of the Amount of Funding
Pendanaan Usaha Mikro dan Usaha Kecil sebesar Rp3,81 Withdrawal by Micro and Small Businesses by Rp3.81
miliar; billion;
• Peningkatan dari komponen Jumlah Penarikan • Increase in the component of the Amount of Funding
Pendanaan yang Berasal dari Nasabah Korporasi sebesar Withdrawal Originating from Corporate Customers
Rp176,92 miliar; amounting to Rp176.92 billion;
• Peningkatan dari komponen Jumlah Penarikan terkait • component of the Withdrawal Amount related to Other
Arus Kas Keluar Lainnya (Additional Requirement) sebesar Cash Outflows (Additional Requirements) amounting to
Rp451,34 miliar. Rp451.34 billion.
Sedangkan untuk Arus Kas Masuk mengalami peningkatan Meanwhile, Cash Inflow experienced an increase of Rp10.52
sebesar Rp10,52 miliar yang berasal dari: billion which came from:
• Peningkatan dari komponen Arus Kas Masuk berdasarkan • Increase in the counterparty-based Cash Inflow
pihak lawan (counterparty) sebesar Rp9,50 miliar; dan component of Rp9.50 billion; and
• Peningkatan Arus Kas Masuk Lainnya sebesar Rp1,01 • Increase in Other Cash Inflows of Rp1.01 billion.
miliar.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 271
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Simpanan nasabah perorangan dan pendanaan yang berasal dari nasabah usaha
2 mikro dan usaha kecil, terdiri dari: / Individual customer deposits and funding 2.208.213 175.069
originating from micro and small business customers, consist of:
272 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Total Arus Kas Keluar Bersih (Net Cash out Flow) 2.271.227
Keterangan: Notes:
‘Adjusted Value dihitung setelah pengenaan pengurangan ‘Adjusted Value is calculated after applying haircuts, run-off
nilai (haircut), tingkat penarikan (run-off rate), dan tingkat rates and inflow rates as well as maximum limits for HQLA
penerimaan (inflow rate) serta batas maksimum komponen components, for example maximum limits for HQLA Level 2B
HQLA, misalnya batas maksimum HQLA Level 2B dan HQLA and HQLA Level 2 as well as maximum limits for cash inflows.
Level 2 serta batas maksimum arus kas masuk yang dapat which can be taken into account in the LCR.
diperhitungkan dalam LCR
6 Total -
Credit valuation adjustment (CVA) capital charge (CCR2) Credit valuation adjustment (CVA) capital charge (CCR2)
a b
No EAD setelah
MRK / EAD ATMR
after MRK
Total portfolios berdasarkan Advanced CVA capital charge / Total portfolios based on Advanced CVA capital charge N/A N/A
1 (i) komponen VaR (termasuk 3× multiplier) / (i) VaR components (including 3× multiplier) N/A
2 (ii) komponen Stressed VaR (termasuk 3× multiplier) / (ii) Stressed VaR component (including 3× multiplier) N/A
3 Semua Portfolio sesuai Standardised CVA Capital Charge / All Portfolios comply with Standardized CVA Capital Charge - -
4 Total sesuai CVA Capital Charge / Total according to CVA Capital Charge
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 273
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Eksposur CCR berdasarkan portofolio dan bobot risiko CCR exposure based on portfolio and risk weights based on
berdasarkan pendekatan standar (CCR3) standard approach (CCR3)
Total Tagihan
0% 10% 20% 50% 75% 100% 150% Others Bersih / Total
Kategori Portofolio / Portfolio Category Receivables - Net
Tagihan kepada Pemerintah dan Bank Sentral /
- - - - - - - - -
Receivables to the Government and Central Bank
Tagihan kepada Entitas Sektor Publik / Receivables
- - - - - - - - -
on Public Sector Entities
Tagihan kepada Bank Pembangunan Multilateral dan
Lembaga Internasional / Receivables to Multilateral - - - - - - - - -
Development Banks and International Institutions
Tagihan kepada Bank Lain / Receivables to Other
- - - - - - - - -
Banks
Tagihan kepada perusahaan sekuritas / Receivables
- - - - - - - - -
on securities companies
Tagihan kepada Korporasi / Receivables on
- - - - - - - - -
Corporations
Tagihan Kepada Usaha Mikro, Usaha Kecil, dan
Portofolio Ritel / Receivables on Micro Businesses, - - - - - - - - -
Small Businesses and Retail Portfolios
Total - - - - - - - - -
Pengungkapan Informasi Kualitatif terkait Risiko Kredit Disclosure of Qualitative Information related to Credit Risk
secara umum (CRA) in general (CRA)
1. Model Bisnis yang tercermin dalam Komponen Profil Risiko Kredit / Business Model reflected in the Credit Risk Profile Component
Parameter/indikator yang digunakan dalam menilai Risiko Inheren atas Risiko Kredit mencakup: / The parameters/indicators used in assessing the Inherent Risk of Credit
Risk include:
a. Komposisi portofolio aset dan tingkat konsentrasi / Asset portfolio composition and level of concentration
Sub parameter yang digunakan Bank Raya dalam penyusunan parameter komposisi portofolio ini mencakup parameter sebagai berikut: / The sub-parameters used by
Bank Raya in preparing the portfolio composition parameters include the following parameters:
1. Aset per akun neraca terhadap total aset / Assets per balance sheet account to total assets
2. Kredit pada Debitur inti terhadap total kredit / Loan to core debtors to total loan
3. Kredit persektor ekonomi terhadap total kredit / Economic sector loan to total loan
4. Kredit produktif terhadap total kredit / Productive loan to total loan
5. Kredit per kategori portofolio terhadap total kredit / Loan per portfolio category to total loan
b. Kualitas penyediaan dana dan kecukupan pencadangan / Quality of funding provision and adequacy of reserves
Sub parameter yang digunakan Bank Raya dalam penyusunan parameter kualitas penyediaan dana dan kecukupan pencadangan yaitu: / The sub-parameters used
by Bank Raya in preparing parameters for the quality of funding provision and the adequacy of reserves are:
1. Aset dan transaksi rekening administratif (TRA) kualitas rendah terhadap total aset dan TRA / Low quality administrative account (TRA) assets and transactions
relative to total assets and TRA
2. Aktiva produktif dan TRA bermasalah terhadap total aset dan TRA / Productive assets and non-performing TRA to total assets and TRA
3. Agunan yang diambil alih terhadap total aset / Collateral taken over to total assets
4. Kredit bermasalah terhadap total kredit (NPL Gross) / Non-performing loans to total loan (NPL Gross)
• NPL Pinang Konsumer (Pinang Flexi+Infinit)
• NPL Pinang Performa
• NPL Pinang Maksima
• NPL Pinang Connect
• NPL Pinang Dana Talangan
5. Kredit bermasalah dikurangi CKPN kredit bermasalah terhadap total kredit dikurangi CKPN kredit bermasalah / Non-performing loans minus CKPN of non-
performing loans to total loan minus CKPN of non-performing loans
6. Coverage CKPN
7. CKPN atas kredit terhadap total kredit / CKPN on loan to total loan
8. CKPN atas kredit terhadap LaR all / CKPN for loan to LaR all
9. Rasio kolektibilitas 2 (DPK) terhadap total kredit / Collectibility ratio 2 (DPK) to total loan
10. Kualitas kredit rendah (Loan at Risk) / Low credit quality (Loan at Risk)
c. Strategi penyediaan dana dan sumber timbulnya penyediaan dana / Fund provision strategy and sources of fund provision
Sub parameter yang digunakan Bank Raya dalam penyusunan parameter strategi penyediaan dana dan sumber timbulnya penyediaan dana yaitu: / The sub-
parameters used by Bank Raya in preparing the parameters for the strategy for providing funds and the sources of the provision of funds are:
1. Proses penyediaan dana, tingkat kompetisi dan tingkat pertumbuhan aset / The process of providing funds, the level of competition and the rate of asset growth
2. Strategi pengembangan produk baru / New product development strategy
3. Signifikansi penyediaan dana yang dilakukan oleh bank secara tidak langsung (kualitatif) (yoy) / Significance of providing funds by banks indirectly (qualitatively)
(yoy)
d. Faktor eksternal / External factors
Sub parameter yang digunakan Bank Raya dalam penyusunan parameter faktor eksternal yaitu: / The sub-parameters used by Bank Raya in preparing external factor
parameters are:
1. Perubahan kondisi ekonomi (PDB, inflasi, nilai tukar dll) yang berdampak pada siklus usaha kemampuan debitur untuk membayar kembali pinjaman / Changes in
economic conditions (GDP, inflation, exchange rates, etc.) which impact the business cycle of the debtor’s ability to repay loans
2. Perubahan teknologi yang berdampak pada siklus usaha kemampuan debitur untuk membayar kembali pinjaman / Technological changes that impact the business
cycle of debtors’ ability to repay loans
3. Perubahan regulasi (suku bunga) yang berdampak pada siklus usaha kemampuan debitur untuk membayar kembali pinjaman / Changes in regulations (interest
rates) that impact the business cycle of the debtor’s ability to repay the loan
274 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
2. Kriteria dan Pendekatan yang digunakan untuk menetapkan kebijakan Manajemen Risiko Kredit dan menetapkan limit Risiko Kredit /
Criteria and Approach used to establish Credit Risk Management policies and determine Credit Risk limits
Penyusunan Kebijakan Perkreditan Bank Raya dilakukan sesuai dengan ketentuan pengelolaan kebijakan dan prosedur yang berlaku. Pengelolaan kebijakan dan
prosedur harus memenuhi beberapa hal sebagai berikut: / The preparation of Bank Raya's Credit Policy is carried out in accordance with applicable policy and procedure
management provisions. Management of policies and procedures must fulfill the following points:
a. Kepatuhan terhadap ketentuan dan peraturan. / Compliance with laws and regulations.
b. Hierarki dan kewenangan / Hierarchy and authority
c. Lingkup pengaturan yang jelas / Clear regulatory scope
d. Direktif, aplikatif dan mengandung unsur pengendalian. / Directive, applicable and contains elements of control.
e. Berorientasi pada efektivitas dan bisnis yang berkelanjutan. / Oriented towards effectiveness and sustainable business.
Penerapan dan pelaksanaan Kebijakan Perkreditan Bank (KPB) Bank Raya harus sesuai dengan organisasi Bank Raya, sehingga penerapan KPB Bank Raya adalah
sebagai berikut: / The application and implementation of Bank Raya's Bank Credit Policy (KPB) must be in accordance with the Bank Raya organization, so that the
implementation of Bank Raya's KPB is as follows:
a. Wajib digunakan, diterapkan dan dilaksanakan serta dipatuhi oleh seluruh pekerja Bank Raya yang terkait dengan perkreditan termasuk anggota-anggota Dewan
Komisaris dan Direksi secara konsekuen dan konsisten. / Must be used, implemented and executed and adhered to by all Bank Raya employees related to lending,
including members of the Board of Commissioners and Board of Directors, consequently and consistently.
b. Untuk dapat mendukung penerapan dan pelaksanaan KPB Bank Raya, selain memahami dan mematuhi KPB Bank Raya dengan sebaik-baiknya, setiap pejabat
kredit juga wajib: / To be able to support the implementation and implementation of Bank Raya's KPB, in addition to understanding and complying with Bank Raya's
KPB as well as possible, every credit officer is also required to:
1. Memahami dan mematuhi pedoman pelaksanaan masing-masing bidang bisnis serta peraturan perkreditan lain dibidangnya, termasuk perubahannya. /
Understand and comply with the implementation guidelines for each business sector as well as other credit regulations in the respective sector, including
amendments.
2. Memahami dan mematuhi peraturan-peraturan Bank Raya maupun kebijakan dari regulator, mengikuti perkembangan dan perubahan ketentuan-ketentuan
atau peraturan-peraturan serta semua masalah yang berkaitan dengan perkreditan, baik yang bersifat lokal, regional, dan nasional / Understand and comply
with Bank Raya regulations and regulator policies, follow developments and changes in provisions or regulations as well as all issues related to lending, both
local, regional and national in nature.
Penetapan Limit Risiko Kredit dilakukan dengan memperhatikan hal-hal sebagai berikut: / Determination of Credit Risk Limits is carried out by taking into
account the following matters:
a. Limit Risiko Kredit ditetapkan untuk suatu segmen bisnis, sektor industri, nasabah (debitur) atau counterparty, pihak terkait, sektor ekonomi atau bentuk-
bentuk penggolongan lainnya. / Credit Risk Limits are determined for a business segment, industrial sector, customer (debtor) or counterparty, related
party, economic sector or other forms of classification.
b. Limit Risiko Kredit ditetapkan pada level portofolio atau level secara keseluruhan atas seluruh produk dan aktivitas yang memiliki eksposur berisiko
kredit meliputi: portofolio kredit, transaksi surat berharga, transaski trade finance, dan produk-produk dan aktivitas-aktivitas lain yang mengandung
Risiko Kredit. / Credit Risk Limits are set at the portfolio level or overall level for all products and activities that have credit risk exposure including: credit
portfolios, securities transactions, trade finance transactions, and other products and activities that contain Credit Risk.
c. Limit Risiko Kredit ditetapkan setiap tahun sesuai risk appetite dan ketentuan yang berlaku. / Credit Risk Limits are determined annually in accordance with
risk appetite and applicable regulations.
d. Penetapan limit dilakukan dengan menggunakan data historis dan memperhitungkan data rata-rata dan standar deviasi selama periode pengambilan data.
/ Determination of limits is carried out using historical data and taking into account the average data and standard deviation during the data collection
period.
e. Adapun untuk parameter yang belum tersedia data historis sebagai penunjang, maka dapat ditetapkan secara expert judgment dengan mempertimbangkan
Rencana Bisnis Bank (RBB), data eksternal, keahlian, pengetahuan, pengalaman yang dimiliki oleh pemutus dan ketentuan regulasi yang berlaku. / As for
parameters for which historical data as support is not yet available, they can be determined using expert judgment by considering the Bank's Business Plan
(RBB), external data, expertise, knowledge, experience possessed by the decision maker and applicable regulatory provisions.
f. Dalam penetapan limit risiko selain mempertimbangkan hal-hal tersebut, juga dapat mempertimbangkan faktor forward looking seperti variabel
makroekonomi, risk issue, dan faktor-faktor lainnya. / In determining risk limits, apart from considering these things, you can also consider forward looking
factors such as macroeconomic variables, risk issues and other factors.
g. SKMR merumuskan dan mengusulkan obyek dan dimensi Limit Risiko Kredit kepada Direksi atau RMC untuk diputus dan ditetapkan. / SKMR formulates and
proposes objects and dimensions of Credit Risk Limits to the Board of Directors or RMC to be decided and determined.
3. Struktur dan Organisasi Manajemen Risiko Kredit serta Fungsi Kontrol / Credit Risk Management Structure and Organization and Control Function
Untuk mendukung pemberian kredit yang sehat dan penerapan unsur pengendalian intern mulai tahap awal proses kegiatan, maka disamping keterkaitan pejabat-
pejabat bank dalam perkreditan seperti Dewan Komisaris, Direksi, Pejabat Perkreditan lainnya dan/atau satuan-satuan kerja, Bank Raya juga memiliki Komite Kebijakan
Perkreditan (KKP) dan Komite Kredit (KK) yang merupakan perangkat perkreditan Bank Raya. Adapun tugas dan tanggung jawab dari masing-masing perangkat
perkreditan secara umum adalah sebagai berikut: / To support healthy loan provision and the implementation of internal control elements starting from the early stages
of the activity process, in addition to the involvement of bank officials in loans such as the Board of Commissioners, Board of Directors, other Credit Officials and/or work
units, Bank Raya also has a Credit Policy Committee (KKP) and Credit Committee (KK) which is Bank Raya’s loan apparatus. The duties and responsibilities of each credit
instrument in general are as follows:
a. Dewan Komisaris / Board of Commissioners
Tugas dan tanggungjawab Dewan Komisaris sebagai perangkat perkreditan adalah sebagai berikut: / The duties and responsibilities of the Board of Commissioners as
a credit instrument are as follows:
1. Menyetujui RBB yang mencakup : rencana kredit tahunan, rencana pemberian kredit kepada pihak terkait, dan kredit kepada debitur-debitur besar tertentu yang
disampaikan kepada OJK / Approve the RBB which includes: annual credit plan, plan for providing loans to related parties, and loans to certain large debtors
submitted to OJK
2. Mengawasi pelaksanaan rencana pemberian kredit / Supervise the implementation of the credit granting plan
3. Meminta penjelasan dan/atau pertanggungjawaban Direksi atas: / 3. Request an explanation and/or accountability from the Board of Directors for:
• Perkembangan dan kualitas portfolio perkreditan secara keseluruhan / Development and quality of the overall credit portfolio
• Langkah-langkah perbaikan atas apabila pelaksanaan pemberian kredit menyimpang dari rencana perkreditan yang ditetapkan / Corrective steps if the
implementation of credit disbursement deviates from the established credit plan
• Penyimpangan dalam pelaksanaan Kebijakan Perkreditan / Deviations in the implementation of Credit Policy
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 275
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengungkapan Tambahan terkait Kualitas Kredit atas Aset Additional Disclosures regarding Credit Quality of Assets
(CRB) (CRB)
1. Cakupan dan definisi dari “Tagihan yang Telah Jatuh Tempo” dan “tagihan yang mengalami penurunan nilai” serta perbedaan (jika ada) antara definisi
yang digunakan Bank secara akuntansi dan secara prudensial sesuai dengan SEOJK ini. / Scope and definition of “Due Receivables” and “impaired
receivables” as well as differences (if any) between the definitions used by the Bank in accounting and prudential terms in accordance with this SEOJK.
Tagihan yang telah Jatuh Tempo adalah tagihan dengan kolektibilitas Kurang Lancar(3), Diragukan(4), Macet(5) dan mengalami restrukturisasi. / Overdue
receivables are bills with collectability of Substandard (3), Doubtful (4), Loss (5) and undergoing restructuring.
2. Tagihan yang telah jatuh tempo (lebih dari 90 hari) yang tidak dianggap mengalami penurunan nilai dan alasan penetapan dimaksud. / Receivables that
are past due (more than 90 days) that are not considered impaired and the reasons for such determination.
Tagihan yang mengalami penurunan nilai adalah tagihan yang teridentifikasi mengalami penurunan nilai, yaitu berada pada stage 2 (aset kurang baik) dan
stage 3 (aset tidak baik). / Receivables that have impaired value are bills that have been identified as having decreased value, namely at stage 2 (poor assets)
and stage 3 (bad assets).
3. Pendekatan dan metode statistik yang digunakan Bank dalam pembentukan CKPN. Selain itu Bank juga harus memberikan informasi mengenai dasar
pengkategorian CKPN pada setiap stage. / Statistical approaches and methods used by the Bank in forming CKPN. Apart from that, banks must also
provide information regarding the basis for categorizing CKPN at each stage.
276 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pembentukan dan metode statistik yang digunakan Bank dalam pembentukan CKPN adalah menggunakan perkalian antara PD, LGD dan EAD. Selanjutnya
informasi mengenai stage sebagai berikut: / The formation and statistical method used by the Bank in forming CKPN is to use multiplication between PD,
LGD and EAD. Further information regarding the stage is as follows:
a. Stage 1 (bucket1 non restruk, bucket2 non restruk, bucket1 restruk covid, bucket2 restruk covid).
b. Stage 2 (bucket1 restruk, bucket2 restruk, bucket 3, bucket4).
c. Stage 3 (bucket5)
1) Pengungkapan Tagihan Bersih Berdasarkan Wilayah 1) Disclosure of Net Receivables by Region (CRB-1
(CRB-1)
(dalam jutaan rupiah) (in millions of rupiah)
31 Desember 2023 / December 31, 2023
a b c d e f g f i j k l
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 277
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
a b c d e f g f i j k l
2) Pengungkapan Tagihan Bersih Berdasarkan Sektor 2) Disclosure of Net Receivables Based on Economic
Ekonomi (CRB-2) Sector (CRB-2)
(dalam jutaan rupiah) (in millions of rupiah)
Tagihan berupa
Surat Berharga/
Tagihan kepada
Piutang
Tagihan kepada Perusahaan
Subordinasi,
Pembangunan Efek dan
Ekuitas, dan
Tagihan Tagihan Multilateral Lembaga Jasa
Tagihan berupa Instrumen
kepada kepada Entitas dan Lembaga Tagihan Keuangan
Covered Bond Modal Lainnya
Sektor Ekonomi / Pemerintah / Sektor Publik Internasional kepada Bank Lainnya /
No / Receivables / Receivables
Economic Sector Receivables / Receivables / Receivables / Receivables Receivables
in the form of a in the form of
from from Public from Multilateral Bank from Securities
Covered Bond Securities/
Government Sector Entities Development Companies and
Subordinated
and International Other Financial
Receivables,
Institutions Services
Equity and
Institutions
Other Capital
Instruments
a b c d e f g f i
Pertanian, Kehutanan
dan Perikanan /
1 - 198.304 - - - - -
Agriculture, Forestry and
Fisheries
Pertambangan dan
2 Penggalian / Mining and - - - - - - -
excavation
Industri Pengolahan /
3 - - - - - - -
Processing industry
Pengadaan Listrik, Gas,
Uap/Air Panas dan Udara
4 Dingin / Procurement of - - - - - - -
Electricity, Gas, Steam/
Hot Water and Cold Air
Pengelolaan Air,
Pengelolaan Air
Limbah, Pengelolaan
dan Daur Ulang
Sampah, dan Aktivitas
5 Remediasi / Water - - - - - - -
Management, Waste
Water Management,
Waste Management
and Recycling, and
Remediation Activities
Konstruksi /
6 - - - - - - -
Construction
278 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Tagihan kepada
Kredit untuk
Usaha Mikro,
Kredit Beragun Kredit Beragun Pengadaan Tanah, Tagihan yang
Usaha Kecil, dan Tagihan kepada
Properti Properti Pengolahan Tanah, Kredit Pegawai Telah Jatuh
Portofolio Kecil / Korporasi /
Rumah Tinggal Komersial dan Konstruksi atau Pensiunan Tempo / Aset Lainnya /
Receivables from Receivables
/ Secured / Secured / Loan for Land / Employee or Receivables Other Assets
Micro Businesses, from
Residential Commercial Acquisition, Land Pensioner Loan from That Have
Small Businesses, Corporations
Property Property Processing and Been Due Date
and Small
Construction
Portfolios
j k l m n o p q
21 - - - 71 - 799 -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 279
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tagihan berupa
Surat Berharga/
Tagihan kepada
Piutang
Tagihan kepada Perusahaan
Subordinasi,
Pembangunan Efek dan
Ekuitas, dan
Tagihan Tagihan Multilateral Lembaga Jasa
Tagihan berupa Instrumen
kepada kepada Entitas dan Lembaga Tagihan Keuangan
Covered Bond Modal Lainnya
Sektor Ekonomi / Pemerintah / Sektor Publik Internasional kepada Bank Lainnya /
No / Receivables / Receivables
Economic Sector Receivables / Receivables / Receivables / Receivables Receivables
in the form of a in the form of
from from Public from Multilateral Bank from Securities
Covered Bond Securities/
Government Sector Entities Development Companies and
Subordinated
and International Other Financial
Receivables,
Institutions Services
Equity and
Institutions
Other Capital
Instruments
a b c d e f g f i
Perdagangan Besar
dan Eceran; Reparasi
dan Perawatan Mobil
dan Sepeda Motor
7 - - - - - - -
/ Wholesale and
Retail Trade; Car and
Motorcycle Repair and
Maintenance
Pengangkutan dan
Pergudangan /
8 - - - - - - -
Transportation and
Warehousing
Penyediaan Akomodasi
dan Penyediaan Makan
Minum / Provision of
9 - - - - - - -
accommodation and
provision of food and
drink
Informasi dan
10 Komunikasi / Information - - - - - - -
and Communication
Aktivitas Keuangan dan
11 Asuransi / Financial and - - - - - - -
Insurance Activities
Aktivitas Profesional,
Ilmiah dan Teknis /
13 - - - - - - -
Professional, Scientific
and Technical Activities
Aktivitas Penyewaan
dan Sewa Guna Usaha
Tanpa Hak Opsi,
Ketenagakerjaan,
Agen Perjalanan dan
Penunjang Usaha
14 - - - - - - -
Lainnya / Rental and
Leasing Activities
Without Option Rights,
Employment, Travel
Agents and Other
Business Support
Administrasi
Pemerintah, Pertahanan
dan Jaminan Sosial
15 Wajib / Government - - - - - - -
Administration, Defense
and Mandatory Social
Security
16 Pendidikan / Education - - - - - - -
280 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Tagihan kepada
Kredit untuk
Usaha Mikro,
Kredit Beragun Kredit Beragun Pengadaan Tanah, Tagihan yang
Usaha Kecil, dan Tagihan kepada
Properti Properti Pengolahan Tanah, Kredit Pegawai Telah Jatuh
Portofolio Kecil / Korporasi /
Rumah Tinggal Komersial dan Konstruksi atau Pensiunan Tempo / Aset Lainnya /
Receivables from Receivables
/ Secured / Secured / Loan for Land / Employee or Receivables Other Assets
Micro Businesses, from
Residential Commercial Acquisition, Land Pensioner Loan from That Have
Small Businesses, Corporations
Property Property Processing and Been Due Date
and Small
Construction
Portfolios
j k l m n o p q
- - 1 - - - - -
62 - - - 115 - 644 -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 281
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tagihan berupa
Surat Berharga/
Tagihan kepada
Piutang
Tagihan kepada Perusahaan
Subordinasi,
Pembangunan Efek dan
Ekuitas, dan
Tagihan Tagihan Multilateral Lembaga Jasa
Tagihan berupa Instrumen
kepada kepada Entitas dan Lembaga Tagihan Keuangan
Covered Bond Modal Lainnya
Sektor Ekonomi / Pemerintah / Sektor Publik Internasional kepada Bank Lainnya /
No / Receivables / Receivables
Economic Sector Receivables / Receivables / Receivables / Receivables Receivables
in the form of a in the form of
from from Public from Multilateral Bank from Securities
Covered Bond Securities/
Government Sector Entities Development Companies and
Subordinated
and International Other Financial
Receivables,
Institutions Services
Equity and
Institutions
Other Capital
Instruments
a b c d e f g f i
Aktivitas Kesehatan
Manusia dan Aktivitas
17 Sosial / Human Health - - - - - - -
Activities and Social
Activities
Kesenian, Hiburan
dan Rekreasi / Arts,
18 - - - - - - -
Entertainment and
Recreation
Aktivitas Jasa Lainnya /
19 - - - - - - -
Other Service Activities
Aktivitas Rumah Tangga
sebagai Pemberi
Kerja; Aktivitas yang
Menghasilkan Barang
dan Jasa oleh Rumah
Tangga yang Digunakan
untuk Memenuhi
20 - - - - - - -
Kebutuhan Sendiri /
Household Activities as
an Employer; Activities
that produce goods and
services by households
that are used to meet
their own needs
Aktivitas Badan
Internasional dan Badan
Ekstra Internasional
21 Lainnya / Activities of - - - - - - -
International Agencies
and Other Extra
International Agencies
Rumah Tangga /
22 - - - - - - -
Household
Bukan Lapangan Usaha
23 Lainnya / Not Other - - - - - - -
Business Fields
282 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Tagihan kepada
Kredit untuk
Usaha Mikro,
Kredit Beragun Kredit Beragun Pengadaan Tanah, Tagihan yang
Usaha Kecil, dan Tagihan kepada
Properti Properti Pengolahan Tanah, Kredit Pegawai Telah Jatuh
Portofolio Kecil / Korporasi /
Rumah Tinggal Komersial dan Konstruksi atau Pensiunan Tempo / Aset Lainnya /
Receivables from Receivables
/ Secured / Secured / Loan for Land / Employee or Receivables Other Assets
Micro Businesses, from
Residential Commercial Acquisition, Land Pensioner Loan from That Have
Small Businesses, Corporations
Property Property Processing and Been Due Date
and Small
Construction
Portfolios
j k l m n o p q
- - - - - - 950 -
179 - - - 276 - 23 -
- - 1 - - - - -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 283
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3) Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka 3) Disclosure of Net Bills Based on Remaining Contract
Waktu Kontrak (CRB-3) Term (CRB-3)
(dalam jutaan rupiah) (in millions of rupiah)
Desember 2023 / December 2023
Kategori Portofolio / Tagihan bersih berdasarkan sisa jangka waktu kontrak / Net reeivables based on remaining contract term
No.
Portfolio Category
> 1 thn s.d. 3 > 3 thn s.d. 5
< 1 tahun / > 5 thn / Non Kontraktual /
thn / > 1 year to thn / > 3 years Total
< 1 year >5 years Non Contractual
3 years to 5 years
a b c d e f g h
284 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pengungkapan Tagihan Berdasarkan Hari Tunggakan (CRB) Disclosure of Bills Based on Days Overdue (CRB)
(dalam jutaan rupiah) (in millions of rupiah)
31 Desember 2023 / December 31, 2023
Pengungkapan Tambahan terkait Perlakuan terhadap Aset Additional Disclosures regarding Treatment of Troubled
Bermasalah (CRB-A) Assets (CRB-A)
1. Definisi Bank terkait aset non-performing, termasuk batasan untuk mengkategorikan suatu eksposur menjadi Tagihan yang Telah Jatuh Tempo,
kriteria untuk dapat dikeluarkan dari kategori aset non-performing, serta informasi lainnya yang dapat membantu pemahaman pembaca atas
pengkategorian aset performing (aset dengankualitas lancar dan dalam perhatian khusus) dan non-performing (aset dengan kualitas kurang
lancar, diragukan dan macet) sesuai dengan POJK mengenai penilaian kualitas aset bank umum. Selain itu, Bank juga menjelaskan perbedaan atau
pertimbangan dalam mengkategorikan kredit korporasi dan kredit ritel. / The Bank’s definition regarding non-performing assets, including the
limits for categorizing an exposure into Past Due Receivables, criteria for being excluded from the non-performing asset category, as well as other
information that can help readers understand the categorization of performing assets (assets with current and in good quality special attention) and
non-performing (assets with substandard, doubtful and loss quality) in accordance with POJK regarding asset quality assessment for commercial
banks. Apart from that, the Bank also explains the differences or considerations in categorizing corporate lending and retail lending.
Aset non-performing yaitu aset dengan kolektibilitas Kurang Lancar(3), Diragukan(4), Macet(5). Aset performing yaitu aset dengan kolektibilitas Lancar(1)
dan Dalam Perhatian Khusus(2). / Non-performing assets are assets with collectability Substandard (3), Doubtful (4), Loss (5). Performing assets are assets
with Current collectability (1) and Special Mention (2).
Pengkategorian Kredit Korporasi dan Ritel yaitu sebagai berikut: / The categorization of Corporate and Retail Lending is as follows:
a) Menengah (Korporasi): Kredit dan penyediaan dana lainnya dengan total eksposur (individual maupun group) di atas Rp10 Miliar sampai dengan BMPK
sesuai dengan ketentuan yang berlaku, baik direct maupun contingent, untuk kegiatan usaha yang produktif. / Medium (Corporate): Lending and other
funding provisions with total exposure (individual and group) above Rp10 billion up to LLL in accordance with applicable regulations, both direct and
contingent, for productive business activities.
b) Ritel: / Retail:
• Ritel Komersil: Kredit dan penyediaan dana lainnya dengan total eksposur (individual maupun group) di atas Rp500 Juta sampai dengan Rp10 Miliar,
baik direct maupun contingent, untuk kegiatan usaha produktif. / Commercial Retail: Lending and other funding provisions with total exposure
(individual and group) above Rp500 million to Rp10 billion, both direct and contingent, for productive business activities.
• Ritel Program: Kredit dan penyediaan dana lainnya yang diberikan kepada perorangan/kelompok/koperasi/badan hukum dengan pola pembiayaan
kredit dan batasan plafon sesuai ketentuan program pemerintah dalam bentuk non-KUR. / Retail Program: Lending and other funding provided to
individuals/groups/cooperatives/legal entities with loan financing patterns and ceiling limits in accordance with government program provisions in
the form of non-KUR.
2. Definisi Bank terkait aset yang direstrukturisasi. Bank memberikan penjelasan terkait pendefinisian aset yang direstrukturisasi termasuk kriteria
untuk dapat dikeluarkan dari kategori aset yang direstrukturisasi (jika relevan), serta informasi yang dapat membantu pemahaman pembaca atas
pengkategorian aset restrukturisasi. Selain itu, Bank juga menjelaskan perbedaan atau pertimbangan dalam mengkategorikan kredit korporasi
dan kredit ritel. / Bank definition regarding restructured assets. The Bank provides an explanation regarding the definition of restructured assets
including the criteria for being excluded from the restructured asset category (if relevant), as well as information that can help readers understand the
categorization of restructured assets. Apart from that, the Bank also explains the differences or considerations in categorizing corporate lending and
retail lending.
Aset yang direstrukturisasi adalah aset yang dilakukan upaya perbaikan yang dilakukan Bank dalam kegiatan perkreditan terhadap debitur yang mengalami
kesulitan untuk memenuhi kewajibannya, yang dilakukan antara lain melalui: / Restructured assets are assets for which the Bank has carried out remedial
efforts in credit activities for debtors who have difficulty fulfilling their obligations, which are carried out, among other things, through:
a. Penurunan suku bunga kredit; / Decrease in credit interest rates;
b. Perpanjangan jangka waktu kredit/penjadwalan kembali; / Extension of credit period/rescheduling;
c. Pengurangan tunggakan bunga dan/atau denda/pinalti; / Reduction of interest arrears and/or fines/penalties;
d. Penambahan fasilitas kredit/suplesi kredit; / Additional credit facilities/credit supplementation;
e. Perubahan skim kredit dan cara angsuran; / Changes in credit schemes and installment methods;
f. Pembayaran sejumlah kewajiban bunga yang dilakukan kemudian; / Payment of a number of interest obligations made later;
g. Konversi kredit menjadi Penyertan Modal Sementara; / Conversion of credit into Temporary Capital Investment;
h. Kombinasi dari jenis restrukturisasi a s/d g tersebut di atas. / A combination of the types of restructuring a to g mentioned above.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 285
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
1) Pengungkapan Aset Performing dan Non Performing 1) Disclosure of Performing and Non-Performing Assets
(CRB-A-1) (CRB-A-1)
(dalam jutaan rupiah) (in millions of rupiah)
286 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Pengungkapan Kualitatif terkait Teknik MRK (CRC) Qualitative Disclosures related to MRK Techniques (CRC)
1. Fitur utama dari kebijakan dan proses terkait evaluasi dan manejemen agunan / Key features of policies and processes related to collateral evaluation
and management
Dalam kebijakan terkait manejemen agunan memuat sebagai berikut: / The policy related to collateral management contains the following:
1) Pengelompokan agunan berdasarkan sumber pendanaannya, wujudnya, dan sifat dari benda yang dijadikan agunan. / Collateral grouping is based on
the source of funding, its form, and the nature of the object used as collateral.
2) Kecukupan agunan, dengan pertimbangan kondisi & prospek usaha debitur, nilai agunan pokok & tambahan dan kecukupan jaminan. / Collateral
adequacy, taking into account the condition and prospects of the debtor’s business, the value of the main & additional collateral and the adequacy of
collateral.
3) Hal-hal yang harus diperhatikan dalam penilaian agunan, meliputi penilaian, pengikatan, penguasaan, pengamanan, dan pemanfaatan. / Matters that
must be considered in assessing collateral include appraisal, binding, control, security and utilization.
4) Metode penilaian agunan, meliputi: metode pendekatan data pasar, pendekatan biaya, dan pendekatan pendapatan. / Collateral appraisal methods
include: market data approach, cost approach, and income approach.
5) Jenis nilai agunan yang terdiri dari nilai saat ini dan proyeksi nilai. Kegunaan nilai agunan dengan tujuan untuk menilai kecukupan agunan dan untuk
menentukan besarnya nilai pengikatan agunan. / Types of collateral value consisting of current value and projected value. The purpose of the collateral
value is to assess the adequacy of the collateral and to determine the amount of the collateral value.
2. Informasi terkait konsentrasi risiko pasar atau Risiko Kredit atas instrumen yang digunakan sebagai teknik MRK, yang mencakup jenis dan pihak
pemberi agunan, garansi, dan/atau jaminan atau asuransi kredit. / Information related to the concentration of market risk or Credit Risk on
instruments used as MRK techniques, which includes the type and party providing collateral, guarantees, and/or credit guarantees or insurance.
Semua tagihan dalam ATMR Kredit belum mengakui keberadaan agunan, garansi dan/atau jaminan atau asuransi kredit. Untuk mengakui keberadaan
agunan, garansi dan/atau jaminan atau asuransi kredit sebagai teknik MRK, terdapat kriteria dan prinsip utama yang harus dipenuhi (sesuai SEOJK). / All
receivables in RWA Credit do not acknowledge the existence of collateral, guarantees and/or guarantees or credit insurance. To recognize the existence of
collateral, guarantees and/or guarantees or credit insurance as a MRK technique, there are main criteria and principles that must be fulfilled (according to
SEOJK).
Pengungkapan Kualitatif terkait Teknik MRK (CRD) Qualitative Disclosures related to MRK Techniques (CRD)
1 Lembaga pemeringkat yang digunakan dan alasan apabila terdapat perubahan selama periode laporan. / The rating agency used and the reasons for
any changes during the reporting period.
Lembaga pemeringkat yang digunakan adalah lembaga eksternal diantaranya Moody’s Investor Service, Standard & Poor’s, Fitch Rating International,
Pefindo dan Fitch Rating Indonesia. / The rating agencies used are external institutions including Moody’s Investor Service, Standard & Poor’s, Fitch Rating
International, Pefindo and Fitch Rating Indonesia.
2. Kategori portofolio yang menggunakan peringkat. / Portfolio categories that use ratings.
Kategori portofolio yang menggunakan peringkat: / Portfolio categories that use ratings:
1) 16: Tagihan Kepada Entitas Sektor Publik / 16: Receivables from Public Sector Entities
2) 14: Tagihan Bank Jangka Pendek / 14: Short Term Bank Receivables
3) 15: Tagihan Bank Jangka Panjang / 15: Long Term Bank Receivables
4) 35: Tagihan Kepada Korporasi / 35: Receivables from Corporations
3. Deskripsi proses yang digunakan untuk mentransfer peringkat pihak lawan ke peringkat surat berharga ke dalam aset yang sebanding dalam banking
book, jika ada. / Description of the process used to transfer counterparty ratings to securities ratings into comparable assets in the banking book, if any.
Portfolio aset kelolaan banking book (AFS & HTM) berdasarkan keputusan Asset & Liability Committee Desember dengan komposisi minimal 75%
government bonds (zero risk) dan maksimal 25% corporate bond dengan peringkat minimal investmen grade (AA & AAA) / Banking book managed asset
portfolio (AFS & HTM) based on Asset & Liability Committee December decision with a minimum composition of 75% government bonds (zero risk) and a
maximum of 25% corporate bonds with a minimum investment grade rating (AA & AAA)
Pengungkapan Kualitas Kredit atas Aset (CR1) Disclosure of Credit Quality of Assets (CR1)
(dalam jutaan rupiah) (in millions of rupiah)
Nilai Tercatat Bruto /
CKPN
Gross Carrying Value CKPN
Nilai Bersih
Tagihan yang Tagihan yang Stage 2 dan (Pendekatan
CKPN (a+b-c) / Net
Telah Jatuh Belum Jatuh Stage 3 / IRB) / CKPN (IRB
Stage 1 Worth (a+b-c)
Tempo / Due Tempo / Undue Stage 2 and Approach)
Receivables Receivables Stage 3
a b c d e f g
Transaksi Rekening
Administratif /
3 11.326 1.312.603 2.332 2.332 - 1.321.597
Administrative Account
Transactions
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 287
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengungkapan Mutasi Kredit dan Surat Berharga yang Telah Disclosure of Credit Movements and Overdue Securities
Jatuh Tempo (CR2) (CR2)
(dalam jutaan rupiah) (in millions of rupiah)
Kredit dan Surat Berharga yang Telah Jatuh Tempo pada periode pelaporan terakhir / Credit and Securities that have matured in the
1 2.103.816
last reporting period
Kredit dan Surat Berharga yang Telah Jatuh Tempo sejak periode pelaporan terakhir / Credit and Securities that have matured since
2 1.016.545
the last reporting period
Kredit dan Surat Berharga yang kembali menjadi tagihan yang belum jatuh tempo / Credit and Securities that return to bills that have
3 1.414.946
not yet matured
Kredit dan Surat Berharga yang Telah Jatuh Tempo pada akhir periode pelaporan (1+2-3-4+5) / Credit and Securities that have matured
6 2.422.008
at the end of the reporting period (1+2-3-4+5)
Pengungkapan Kuantitatif terkait Teknik MRK (CR3) Quantitative Disclosures related to MRK Techniques (CR3)
(dalam jutaan rupiah) (in millions of rupiah)
Tagihan yang Dijamin
Tagihan yang Tidak Tagihan yang Dijamin dengan Garansi, Tagihan yang Dijamin
Tagihan yang Dijamin
Dijamin dengan Teknik dengan Teknik Penjaminan dan/ dengan Derivatif
dengan Agunan /
MRK / Receivables That MRK / Receivables atau Asuransi Kredit / Kredit / Receivables
Receivables Secured
Are Not Guaranteed Guaranteed with MRK Receivables Secured by Secured by Credit
by Collateral
Using MRK Techniques Techniques Guarantee, Guarantee Derivatives
and/or Credit Insurance
a b c d e
Surat Berharga /
2 4.375.990 - - -
Securities
3 Total 10.370.661 - - -
Pengungkapan Eksposur Risiko Kredit dan Dampak Teknik Disclosure of Credit Risk Exposure and Impact of MRK
MRK (CR4) Techniques (CR4)
(dalam jutaan rupiah) (in millions of rupiah)
Tagihan Bersih Setelah
Tagihan Bersih Sebelum Penerapan
penerapan FKK dan Teknik ATMR dan Rata-Rata Bobot
FKK dan Teknik MRK / Net
MRK / Net Receivables After Risiko / RWA and Average Risk
Receivables Before Implementation
implementing FKK and MRK Weight
of FKK and MRK Techniques
Techniques
a b c d e f
288 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
a b c d e f
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 289
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengungkapan Eksposur berdasarkan Kelas Aset dan Exposure Disclosure by Asset Class and Risk Weight (CR5)
Bobot Risiko (CR5)
(dalam jutaan rupiah) (in millions of rupiah)
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Tagihan kepada
Pemerintah /
1 4.450.785 - -
Receivables from
Government
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Tagihan kepada
Entitas Sektor Publik
2 394.887 200.000
/ Receivables from
Public Sector Entities
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Tagihan kepada
Bank Pembangunan
Multilateral
dan Lembaga
Internasional
3 - - - -
/ Receivables
from Multilateral
Development Banks
and International
Institutions
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Tagihan berupa
Covered Bond /
5 Receivables in the - - - - - - -
form of a Covered
Bond
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Tagihan kepada
Korporasi Umum2)
6 / Receivables 10.045 51.246 -
from General
Corporations2)
Tagihan kepada
perusahaan efek
dan lembaga jasa
keuangan lain3) /
- - -
Receivables from
securities companies
and other financial
services institutions3)
Eksposur Pembiayaan
Khusus4) / Special - -
Financing Exposure4)
290 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
- - - -
- - - 178.977
- - - -
- - - - 87.146
- - - - -
- - - -
- - - - - -
- - - - - - -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 291
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Kredit Beragun
9 Properti / Secured by - - - - - - - 801.366 - - -
Property
Kredit Beragun
Properti Rumah Tinggal
yang Pembayarannya
Tidak Bergantung
Secara Material pada
Arus Kas Properti / - - - - - - - -
Secured by Residential
Property whose
Payments Are Not
Materially Dependent
on Property Cash Flow
tanpa pendekatan
pembagian kredit5) /
- - - - - - - -
without loan sharing
approach5)
dengan menggunakan
pendekatan
pembagian kredit
-
(dijamin)5) / using a
loan sharing approach
(guaranteed)5)
dengan menggunakan
pendekatan
pembagian kredit
- - - - - -
(dijamin)5) / using a
loan sharing approach
(guaranteed)5)
Kredit Beragun
Properti Rumah Tinggal
yang Pembayarannya
Bergantung secara
Material pada Arus Kas
Properti / Secured by - - - -
residential property
whose payments
depend materially on
the property’s cash
flow
292 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
- - - - - -
585.839 - - - 439.379
- - - - - -
- -
- - - - - -
- - - - -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 293
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Kredit Beragun
Properti Komersial
yang Pembayarannya
Tidak Bergantung
Secara Material
pada Arus Kas
- - - - - - -
Properti / Secured by
Commercial Property
Where Payments
Are Not Materially
Dependent on Property
Cash Flows
tanpa pendekatan
pembagian kredit5) /
- - - - -
without loan sharing
approach5)
dengan menggunakan
pendekatan
pembagian kredit
-
(dijamin)5) / using a
loan sharing approach
(guaranteed)5)
dengan menggunakan
pendekatan
pembagian kredit
- - - - - -
(dijamin)5) / using a
loan sharing approach
(guaranteed)5)
Kredit Beragun
Properti Komersial
yang Pembayarannya
Bergantung Secara
Material pada Arus Kas
Properti / Secured by -
Commercial Property
Where Payments
Depend Materially on
the Property’s Cash
Flows
Kredit Pengadaan
Tanah, Pengolahan
Tanah, dan Konstruksi5)
/ Land Acquisition,
Land Processing and
Construction Loan5)
Kredit Pegawai/
Pensiunan / Employee/ 801.341
Pensioner Loan
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
Kategori Portofolio /
0% 10% 15% 20% 25% 30% 35% 40% 45% 50% 60% 65%5) 70%
Portfolio Category
294 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
- -
- -
- - - - - -
- - - - -
- 13.000 - 19.500
- - - 400.671
2.203.627 58 - 2.203.713
- - - - -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 295
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
6 105% - 130% - - - -
8 250% - - - -
9 400% - - - -
10 1250% - - - -
296 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Rata-
Include Kode Indikator Bisnis (IB)
rata 10
file teks Komponen / dan komponen IB /
No T T-1 T-2 T-3 T-4 T-5 T-6 T-7 T-8 T-9 Tahun /
/ Include Component Business Indicators
Average
text files Code (IB) and IB components
10 Years
1. Jumlah kerugian
operasional
bersih setelah
memperhitungkan
nilai pemulihan (tanpa
2 Y 0101010000 7523,00 1709,00 1964,00 1209,00 342,00 954,00 510,00 693,00 0,00 504,00 1540,80
pengecualian) / Total
net operating loss
after calculating
recovery value
(without exception)
2. Jumlah terjadinya
kerugian risiko
3 Y 0101020000 8,00 2,00 0,00 3,00 1,00 2,00 1,00 1,00 0,00 1,00 1,90
operasional / Total
operational risk losses
3. Jumlah kerugian
risiko operasional yang
4 Y 0101030000 dikecualikan / Total 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00
excluded operational
risk losses
4. Jumlah terjadinya
kerugian risiko
operasional yang
5 Y 0101040000 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00 0,00
dikecualikan / Total
excluded operational
risk losses
5. Jumlah kerugian
operasional
bersih setelah
memperhitungkan
nilai pemulihan
dan kerugian risiko
6 Y 0101050000 operasional yang 7523,00 1709,00 1964,00 1209,00 342,00 954,00 510,00 693,00 0,00 504,00 1540,80
dikecualikan / Total
net operational loss
after taking into
account the recovery
value and excluded
operational risk losses
Batasan minimum
untuk suatu kejadian
kerugian operasional
(loss event) sebesar
Rp1.500.000.000,00
(satu milyar lima ratus
7 T 0102000000 juta rupiah) atau lebih
/ The minimum limit
for an operational
loss event is
Rp1,500,000,000 (one
billion five hundred
million rupiah) or more
6. Jumlah kerugian
operasional
bersih setelah
memperhitungkan
nilai pemulihan (tanpa
8 Y 0102010000
pengecualian) / Total
net operating loss
after calculating
recovery value
(without exception)
7. Jumlah terjadinya
kerugian risiko
9 Y 0102020000
operasional / Total
operational risk losses
8. Jumlah kerugian
risiko operasional yang
10 Y 0102030000 dikecualikan / Total
excluded operational
risk losses
9. Jumlah terjadinya
kerugian risiko
operasional yang
11 Y 0102040000
dikecualikan / Total
excluded operational
risk losses
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 297
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Rata-
Include Kode Indikator Bisnis (IB)
rata 10
file teks Komponen / dan komponen IB /
No T T-1 T-2 T-3 T-4 T-5 T-6 T-7 T-8 T-9 Tahun /
/ Include Component Business Indicators
Average
text files Code (IB) and IB components
10 Years
Form D3. Laporan Rincian Indikator Bisnis Form D3. Business Indicator Details Report
Include file
Kode Komponen / Indikator Bisnis (IB) dan komponen IB /
No teks / Include T T-1 T-2
Component Code Business Indicators (IB) and IB components
text files
Komponen Bunga, Sewa, dan Dividen (KBSD) /
1 Y 0201000000 459.584
Interest, Rent and Dividend Components (KBSD)
298 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
ANALISIS DAN PEMBAHASAN MANAJEMEN
Management Discussion and Analysis group
Include file
Kode Komponen / Indikator Bisnis (IB) dan komponen IB /
No teks / Include T T-1 T-2
Component Code Business Indicators (IB) and IB components
text files
14 Y 0204000000 IB 733907,00
Form D5. Laporan Perhitungan ATMR Risiko Operasional Form D5. Report on Operational Risk RWA Calculation using
dengan menggunakan Pendekatan Standar the Standard Approach
Include file teks / Kode Komponen / Rincian / Validasi Kolom T /
No
Include text files Component Code Details T Column Validation
Komponen Indikator Bisnis (KIB) / Components of Business
1 Y 0301000000 88068,84
Indicators (KIB)
Faktor Pengali Kerugian Internal (FPKI) / Internal Loss
2 Y 0302000000 1,00000000
Multiplier Factor (FPKI)
Modal Minimum Risiko Operasional (MMRO) / Minimum
3 Y 0303000000 88.069
Operational Risk Capital (MMRO)
4 Y 0304000000 ATMR untuk Risiko Operasional / RWA for Operational Risk 1100863
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 299
TATA KELOLA
PERUSAHAAN
Good Corporate Governance
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam menjalankan operasional di seluruh aspek bisnis dan Bank Raya is committed to implementing Good Corporate
struktur organisasi Perusahaan, Bank Raya berkomitmen Governance (GCG) in carrying out operations in all aspects
untuk mengimplementasikan Tata Kelola Perusahaan yang of its business and organizational structure. Bank Raya
Baik atau Good Corporate Governance (GCG). Bank Raya akan will continue to improve the quality of Governance
terus meningkatkan kualitas penerapan Tata Kelola di seluruh implementation in all lines of the Company’s organization.
lini organisasi Perusahaan. Mulai dari Dewan Komisaris, Good Corporate Governance shall be implemented by the
Direksi, Komite-komite, hingga Karyawan akan menerapkan Board of Commissioners, Board of Directors, Committees,
tata kelola Perusahaan yang baik. and Employees.
Penerapan GCG penting untuk dilakukan secara menyeluruh It is critical to thoroughly implement GCG in order to achieve
dengan tujuan untuk mencapai tujuan Perusahaan. GCG the Company’s objectives. GCG is a set of processes,
menjadi sebuah serangkaian proses, perilaku, dan kebijakan behaviors, and policies that can influence the Company’s
302 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
yang dapat mempengaruhi pengarahan, pengelolaan serta direction, management, and control. In practice, Bank Raya
pengendalian pada Perusahaan. Bank Raya dalam praktiknya involves all stakeholders, guarantees and ensures that the
melibatkan seluruh pemangku kepentingan, menjamin dan Company’s management is based on good governance and
memastikan bahwa pengelolaan Perusahaan berdasarkan GCG best practices.
tata kelola yang baik dan berlandaskan kepada prinsip best
practices GCG.
Bank Raya memastikan bahwa penerapan GCG dalam Bank Raya ensures that the implementation of GCG in the
operasional Bank telah sesuai dengan seluruh peraturan Bank’s operations complies with all applicable laws and
perundang-undangan yang berlaku. Perusahaan dalam jangka regulations. In the long and short term, the Company has
panjang maupun jangka pendek, telah berkomitmen untuk committed to implementing GCG principles as a foundation
menerapkan prinsip-prinsip GCG sebagai landasan dalam for creating business sustainability. Bank Raya is committed
menciptakan keberlanjutan usaha. Bank Raya berkomitmen to continuously providing added value for all stakeholders,
untuk terus berupaya memberikan nilai tambah bagi seluruh including shareholders, regulators, business partners,
pemangku kepentingan baik kepada pemegang saham, employees, and the community.
regulator, mitra kerja, karyawan, hingga masyarakat.
Pelaksanaan tata kelola Perusahaan menekankan pada Good Corporate Governance implementation prioritizes
prinsip GCG yang berlaku. Hal ini diharapkan Bank Raya applicable GCG principles. In light of this, Bank Raya is
mampu tumbuh dan berkembang, serta dalam operasional expected to be able to grow and develop while also adhering
usahanya patuh terhadap peraturan perundang-undangan to applicable laws and regulations in its business operations.
yang berlaku.
Dalam penerapan Tata Kelola Perusahaan, Bank Raya Bank Raya implements Good Corporate Governance in
berpedoman dan mengacu kepada peraturan perundang- accordance with applicable laws and regulations, including:
undangan yang berlaku, di antaranya:
• Undang-Undang • Laws
1. Undang-Undang Nomor 7 tahun 1992 tentang 1. Law No. 7 of 1992 concerning Banking, as amended by
Perbankan, sebagaimana telah diubah dengan Law No. 10 of 1998 concerning Banking;
Undang-Undang Nomor 10 Tahun 1998 Tentang
Perbankan;
2. Undang-Undang Nomor 8 tahun 1995 tentang Pasar 2. Law No. 8 of 1995 concerning Capital Markets;
Modal;
3. Undang-Undang Nomor 40 tahun 2007 tentang 3. Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas; Companies;
4. Peraturan Pemerintah Pengganti Undang-Undang 4. Government Regulation in Lieu of Law (Perpu) No. 2 of
(Perpu) Nomor 2 Tahun 2022 tentang Cipta Kerja; 2022 concerning Job Creation;
5. Undang-undang Nomor 4 Tahun 2023 tentang 5. Law No. 4 of 2023 concerning Development and
Pengembangan dan Penguatan Sektor Keuangan. Strengthening of the Financial Sector.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 303
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• Peraturan dan Surat Edaran dari Otoritas Jasa Keuangan • Regulations and Circular Letters from the Financial
Services Authority
1. Peraturan OJK Nomor 18/POJK.03/2014 tentang 1. OJK Regulation No. 18/POJK.03/2014 concerning
Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Implementation of Integrated Governance for
Keuangan; Financial Conglomerates;
2. Peraturan OJK Nomor 33/POJK.04/2014 tentang 2. OJK Regulation No. 33/POJK.04/2014 concerning the
Direksi dan Dewan Komisaris Emiten atau Perusahaan Board of Directors and Board of Commissioners of
Publik; Issuers or Public Companies;
3. Peraturan OJK Nomor 34/POJK.04/2014 tentang 3. OJK Regulation No. 34/POJK.04/2014 concerning
Komite Nominasi dan Remunerasi Emiten atau Nomination and Remuneration Committees for
Perusahaan Publik; Issuers or Public Companies;
4. Peraturan OJK Nomor 35/POJK.04/2014 tentang 4. OJK Regulation No. 35/POJK.04/2014 concerning
Sekretaris Perusahaan Emiten atau Perusahaan Corporate Secretaries of Issuers or Public Companies;
Publik;
5. Peraturan OJK Nomor 55/POJK.04/2015 tentang 5. OJK Regulation No. 55/POJK.04/2015 concerning the
Pembentukan dan Pedoman Pelaksanaan Kerja Establishment and Guidelines for Implementing the
Komite Audit; Work of the Audit Committee;
6. Peraturan OJK Nomor 56/POJK.04/2015 tentang 6. OJK Regulation No. 56/POJK.04/2015 concerning the
Pembentukan dan Pedoman Piagam Unit Audit Establishment and Guidelines for the Internal Audit
Internal; Unit Charter;
7. Peraturan OJK Nomor 21/POJK.04/2015 tentang 7. OJK Regulation No. 21/POJK.04/2015 concerning
Penerapan Pedoman Tata Kelola Perusahaan Terbuka; Implementation of Public Company Governance
Guidelines;
8. Peraturan OJK Nomor 31/POJK.04/2015 tentang 8. OJK Regulation No. 31/POJK.04/2015 concerning
Keterbukaan atas Informasi atau Fakta Material oleh Disclosure of Material Information or Facts by Issuers
Emiten atau Perusahaan Publik; or Public Companies;
9. Peraturan OJK Nomor 8/POJK.04/2015 tentang Situs 9. OJK Regulation No. 8/POJK.04/2015 concerning
Web Emiten atau Perusahaan Publik; Issuer or Public Company Websites;
10. Peraturan OJK Nomor 18/POJK.03/2016 tentang 10. OJK Regulation No. 18/POJK.03/2016 concerning
Penerapan Manajemen Risiko bagi Bank Umum; Implementation of Risk Management for Commercial
Banks;
11. Peraturan OJK Nomor 29/POJK.04/2016 tentang 11. OJK Regulation No. 29/POJK.04/2016 concerning
Laporan Tahunan Emiten atau Perusahaan Publik; Annual Reports of Issuers or Public Companies;
12. Peraturan OJK Nomor 15/POJK.04/2020 tentang 12. OJK Regulation No. 15/POJK.04/2020 concerning
Rencana dan Penyelenggaraan Rapat Umum Planning and Organizing General Meetings of
Pemegang Saham Perusahaan Terbuka; Shareholders of Public Companies;
13. Peraturan OJK Nomor 17 Tahun 2023 tentang 13. OJK Regulation No. 17 of 2023 concerning
Penerapan Tata Kelola bagi Bank Umum Implementation of Governance for Commercial Banks
14. Surat Edaran OJK Nomor 32/SEOJK.04/2015 tentang 14. OJK Circular Letter No. 32/SEOJK.04/2015
Pedoman Tata Kelola Perusahaan Terbuka; concerning Public Company Governance Guidelines;
15. Surat Edaran OJK Nomor 34/SEOJK.03/2016 tentang 15. OJK Circular Letter No. 34/SEOJK.03/2016
Penerapan Manajemen Risiko bagi Bank Umum; concerning Implementation of Risk Management for
Commercial Banks;
16. Surat Edaran OJK Nomor 13/ SEOJK.03/2017 tentang 16. OJK Circular Letter No. 13/ SEOJK.03/2017
Penerapan Tata Kelola Bagi Bank Umum; concerning Implementation of Governance for
Commercial Banks;
304 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
17. Surat Edaran OJK Nomor 16/SEOJK.04/2021 tentang 17. OJK Circular Letter No. 16/SEOJK.04/2021 concerning
Bentuk dan Isi Laporan Tahunan Emiten atau the Form and Content of Annual Reports of Issuers or
Perusahaan Publik. Public Companies.
Perusahaan berlandaskan prinsip tata kelola yaitu “TARIF”, The Company refers to the following good corporate
dengan penjelasan sebagai berikut: governance principles, ‘TARIF’:
T A R I F
TRANSPARENCY ACCOUNTABILITY RESPONSIBILITY INDEPENDENCY FAIRNESS
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 305
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TRANSPARENCY
Prinsip keterbukaan dalam melaksanakan proses pengambilan keputusan dan keterbukaan Bank Raya dalam menyampaikan informasi yang
material dan relevan mengenai segala sesuatu tentang Bank Raya. /
The principle of transparency in decision-making and Bank Raya’s openness in delivering material and relevant information about everything
related to Bank Raya.
Bank Raya mengungkapkan informasi secara tepat waktu, memadai, jelas, akurat dan dapat diperbandingkan serta dapat
diakses oleh pemangku kepentingan (stakeholders) sesuai dengan haknya. /
Bank Raya provides information in a timely, adequate, clear, accurate, and comparable manner that stakeholders can
access in accordance with their rights.
Bank Raya mengungkapkan informasi yang meliputi tetapi tidak terbatas pada visi, misi, sasaran usaha, strategi
Bank Raya, kondisi keuangan, susunan dan kompensasi pengurus, Pemegang Saham Pengendali, pejabat eksekutif,
pengelolaan risiko, sistem pengawasan dan pengendalian intern, status kepatuhan, sistem dan implementasi Good
Corporate Governance serta informasi dan fakta material yang dapat mempengaruhi keputusan pemodal (investor). /
Bank Raya discloses information such as, but not limited to, its vision, mission, business targets, strategy, financial
condition, management composition and compensation, controlling shareholders, executive officers, risk management,
Implementasi /
internal supervision and control systems, compliance status, systems and implementation of Good Corporate Governance,
Implementation
and information and material facts that can influence the decisions of investors.
Prinsip keterbukaan informasi tetap memperhatikan ketentuan rahasia bank, rahasia jabatan, rahasia perusahaan dan
hak-hak pribadi sesuai ketentuan yang berlaku. /
In accordance with applicable regulations, the principle of information disclosure continues to take into account
provisions of bank confidentiality, position confidentiality, company confidentiality, and personal rights.
Kebijakan Bank Raya harus tertulis dan dikomunikasikan kepada stakeholders dan yang berhak memperoleh informasi
tentang kebijakan tersebut sesuai ketentuan yang berlaku. /
In accordance with applicable regulations, Bank Raya’s policy must be written and communicated to stakeholders and
those with the right to obtain information about the policy.
ACCOUNTABILITY
Prinsip kejelasan fungsi, struktur, sistem, pelaksanaan dan tanggung jawab di dalam organisasi sehingga pengelolaan Bank Raya dapat
berjalan efektif dan efisien. /
The principle of clarity of functions, structure, systems, implementation and responsibilities within the organization so that the management
of Bank Raya can run effectively and efficiently.
Bank Raya menetapkan sasaran usaha dan strategi untuk dapat dipertanggungjawabkan kepada stakeholders. Bank Raya
menetapkan check and balance system dalam pengelolaan Bank Raya. /
Bank Raya establishes business goals and strategies in order to be accountable to stakeholders. Bank Raya has
implemented a check and balance system in its management.
Bank Raya memiliki ukuran kinerja dari semua organ organisasi berdasarkan ukuran yang disepakati dan sejalan dengan
nilai-nilai perusahaan (Corporate Culture Values), sasaran usaha dan strategi Bank Raya serta memiliki rewards and
Implementasi /
punishment system. /
Implementation
Bank Raya has performance measures for all organizational organs based on agreed-upon measures that are consistent
with the Corporate Culture Values, business targets and strategies, and a rewards and punishment system.
Bank Raya harus meyakini bahwa semua organ organisasi Bank Raya mempunyai kompetensi sesuai dengan tanggung
jawabnya dan memahami perannya dalam implementasi Good Corporate Governance. /
Bank Raya must have faith that all organizational organs within the Bank Raya have the necessary competence to carry out
their responsibilities and understand their role in implementing Good Corporate Governance.
RESPONSIBILITY
Prinsip yang mengemukakan kesesuaian pengelolaan Bank Raya dengan peraturan perundang-undangan yang berlaku serta prinsip-prinsip
pengelolaan bank yang sehat. /
The principle of Bank Raya management’s compliance with applicable laws and regulations, as well as the principle of sound bank
management.
Bank Raya berpegang pada prinsip kehati-hatian (prudential bank practices) dan menjamin kepatuhan terhadap peraturan
yang berlaku. /
Bank Raya adheres to the principle of prudence (prudential bank practices) and ensures compliance with applicable
Implementasi / regulations.
Implementation
Bank Raya sebagai good corporate citizen peduli terhadap lingkungan dan melaksanakan tanggung jawab sosial secara
wajar. /
As a responsible corporate citizen, Bank Raya takes social responsibility seriously and protects the environment.
306 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
INDEPENDENCY
Prinsip yang menekankan sikap profesionalisme tanpa benturan kepentingan, pengaruh, serta tekanan dari pihak manapun yang
bertentangan dengan peraturan perundang- undangan yang berlaku serta prinsip pengelolaan bank yang sehat. /
Principle of professionalism without regard to any conflicts of interest, outside pressure, or other factors that would be against the law,
rules, or appropriate banking practices.
Bank Raya menghindari terjadinya dominasi yang tidak wajar oleh stakeholders manapun dan tidak terpengaruh oleh
kepentingan sepihak serta terbebas dari benturan kepentingan (conflict of interest). /
Bank Raya avoids undue domination by any shareholder, is not influenced by one-sided interests, and is free of conflicts
Implementasi /
of interest.
Implementation
Bank Raya mengambil keputusan secara objektif dan bebas dari segala tekanan pihak manapun. /
Bank Raya makes decisions objectively and independently of any other influence.
FAIRNESS
Prinsip perlakuan adil dan setara dalam memenuhi hak-hak pemangku kepentingan berdasarkan peraturan perundang-undangan yang
berlaku. /
Principle of fair and equal treatment in fulfilling stakeholder rights in accordance with applicable laws and regulations.
Bank Raya memperhatikan kepentingan seluruh stakeholders berdasarkan asas kesetaraan dan kewajaran (equal
treatment). /
Bank Raya prioritizes the interests of all stakeholders in accordance with the ideals of equality and justice (equal
treatment).
Implementasi /
Implementation
Bank Raya memberikan kesempatan kepada seluruh stakeholders untuk memberikan masukan dan menyampaikan
pendapat bagi kepentingan Bank Raya serta membuka akses terhadap informasi sesuai dengan prinsip keterbukaan. /
Bank Raya provides the opportunities for all stakeholders to provide input and express ideas in the best interests of the
bank and opens up access to information in accordance with the philosophy of openness.
Bank Raya memiliki tujuan dalam penerapan GCG adalah Bank Raya’s objectives in implementing GCG are as follows:
sebagai berikut:
1. Mendukung pelaksanaan kegiatan usaha Bank untuk 1. Supporting the Bank’s business operations to be carried
mewujudkan Visi, Misi dan Nilai-nilai Bank; out in line with its mission, vision, and values;
2. Mendukung tercapainya tujuan Bank melalui peningkatan 2. Supporting the Bank in achieving its objectives by
kinerja yang signifikan baik dari segi kuantitas maupun significantly enhancing both quantity and quality of
kualitas; performance;
3. Memberikan pedoman kepada Dewan Komisaris, Direksi, 3. Providing guidelines to help the Board of Commissioners,
Komite dan Karyawan dalam melaksanakan tugas dan Board of Directors, Committees, and Employees in
tanggung jawabnya; carrying out their duties and responsibilities;
4. Meyakinkan kepada Pemegang Saham dan stakeholders 4. Assuring shareholders and stakeholders that the Bank’s
terkait pengelolaan dan pengawasan Bank dilakukan management and supervision are carried out properly
secara profesional dan sesuai dengan ketentuan hukum and in compliance with the applicable laws.
yang berlaku;
5. Mendukung pengelolaan sumber daya yang dimiliki oleh 5. Assisting in the more efficient and effective management
Bank secara lebih efisien dan efektif; of the Bank’s resources
6. Meminimalkan risiko yang terjadi pada Bank; 6. Minimizing the risks within the Bank;
7. Memaksimalkan kualitas dan integritas Bank untuk 7. Maximizing the Bank’s quality and integrity in order to
menghadirkan daya saing yang kuat, baik secara nasional deliver strong competitiveness both nationally and
maupun internasional. internationally.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 307
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya telah menyusun roadmap penerapan GCG untuk Bank Raya has prepared a roadmap for GCG implementation
periode tahun 2022-2026. Roadmap tersebut terbagi menjadi from 2022 to 2026. The roadmap is divided into 3 (three)
3 (tiga) fase, yaitu: phases, namely:
1. Fase pertama 1. First phase
Di Tahun 2022 Bank Raya fokus pada Building/ In 2022, Bank Raya focused on Building/enhancement
enhancement compliance & anti money laundering compliance & anti money laundering support system,
support system, complying to standard ISO, fully support complying to standard ISO, fully support to law
to law enforcement. enforcement.
2. Fase kedua 2. Second phase
Di Tahun 2023-2024 Bank Raya fokus pada Compliance In 2023-2024, Bank Raya focused on Compliance culture
culture and law obedience in every unit level accordance and law obedience in every unit level accordance with
with corporate governance values. corporate governance values.
3. Fase ketiga 3. Third phase
Di Tahun 2025-2026 Bank Raya fokus pada Corporate In 2025-2026, Bank Raya focused on Corporate
governance has become a culture thereby minimizing legal governance has become a culture thereby minimizing
risk. legal risk.
Building/enhancement compliance & anti money Compliance culture and law obedience in every unit Corporate governance has become a culture thereby
laundering support system, complying to standard level accordance with corporate governance values minimizing legal risk
ISO, fully support to law enforcement
1. Pengembangan aplikasi pendukung 1. Implementasi produk/aktifitas digital 1. Digitalisasi Aktivitas Legal & Compliance. /
kepatuhan: library online, penandatanganan berbasis Good Corporate Governance (GCG). / Digitalization of Legal & Compliance Activities.
kode etik, penerapan tata kelola di Unit Implementation of digital products/activities 2. Penilaian dukungan dan komitmen APU dan PPT
Kerja. / Development of compliance support based on Good Corporate Governance (GCG). kepada regulator dan internal Bank sesuai. /
applications: online library, signing code of 2. Penguatan APU dan PPT melalui screening Appropriate assessment of APU and PPT support
conduct, and implementing governance in Work dan monitoring nasabah digital sesuai dengan and commitment to regulators and the Bank’s
Units. tingkat risiko. / Strengthening APU and PPT internal units.
2. Peningkatan sistem pendukung APU dan PPT. / through screening and monitoring digital 3. Meminimalkan permasalahan hukum. / Minimizing
APU and PPT support systems improvement. customers according to risk level. legal cases occurence.
3. Dukungan penuh terhadap penanganan perkara 3. Budaya sadar risiko hukum di seluruh Unit Kerja.
hukum. / Full support in handling legal cases. / Legal risk awareness culture in all work units.
308 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Berdasarkan roadmap di tahun 2023, Perusahaan melakukan Based on the 2023 roadmap, the Company made the following
berbagai upaya untuk meningkatkan kualitas GCG, sebagai measures to increase the quality of GCG:
berikut:
1. Penggunaan Aplikasi Library Online 1. Use of Online Library Application
2. Penggunaan Aplikasi Tata Kelola Unit Kerja 2. Use of Work Unit Management Applications
3. UAT Digitalisasi Proses Uji Kepatuhan dan Aplikasi 3. UAT Digitizes the Compliance Test Process and Code of
Penandatanganan Kode Etik Ethics Signing Application
4. Audit Surveillance ISO 9001:2015 Sistem Manajemen 4. Surveillance Audit ISO 9001:2015 Quality Management
Mutu (SMM), dan ISO 37001:2016 Sistem Manajemen Anti System (SMM), and ISO 37001:2016 Anti-Bribery
Penyuapan (SMAP) Management System (SMAP)
Bank Raya telah menyusun kerangka penerapan tata kelola Bank Raya develops a framework for good corporate
yang mengacu berdasarkan prinsip best practices, dan governance implementation based on the principles of best
peraturan perundang-undangan yang berlaku. Kerangka tata practices and the applicable laws and regulations. The Good
kelola Perusahaan dibagi menjadi 3 (tiga) bagian, yaitu: Corporate Governance framework is divided into 3 (three)
parts, as follows:
1. Governance Structure 1. Governance Structure
Merupakan struktur tata kelola yang terdiri dari organ A governance organ that consists of the Company’s main
utama dan organ pendukung Perusahaan. organ and supporting organ.
2. Governance Process 2. Governance Process
Merupakan sebuah proses dan mekanisme kerja yang A working mechanism and process carried out by the
dilakukan oleh organ tata kelola Perusahaan. Good Corporate Governance’s organs.
3. Governance Outcome 3. Governance Outcome
Merupakan hasil dari penerapan tata kelola untuk The result of governance implementation to achieve the
mencapai tujuan akhir yaitu “Corporate Citizenship”. end goal of “Corporate Citizenship”.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 309
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Berdasarkan surat Keputusan Direksi PT Bank Raya Indonesia Based on the Decree of the Board of Directors of PT Bank
Tbk. No. Kpts:B.349/DIR.01.02/PCP/07/2022 tanggal 26 Juli Raya Indonesia Tbk. No. Kpts:B.349/DIR.01.02/PCP/07/2022
2022 tentang Kebijakan Penerapan Tata Kelola Perusahaan dated July 26, 2022 concerning the Good Corporate
yang Baik, struktur tata kelola Perusahaan sebagai berikut: Governance Implementation Policy, the Company’s Good
Corporate Governance structure is as follows:
RUPS
GMS
Komite Pemantau Risiko Asset & Liability Committee Divisi Legal & Compliance
Risk Monitoring Committee Asset & Liability Committee Legal and Compliance Division
310 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Berdasarkan Undang-Undang No. 40 tahun 2007 tentang Based on Law No. 40 of 2007 concerning Limited Liability
Perseroan Terbatas, struktur GCG Bank Raya terdiri dari tiga Companies, Bank Raya’s GCG structure consists of three
organ utama, yaitu: main organs, namely:
1. Rapat Umum Pemegang Saham (RUPS); 1. General Meeting of Shareholders (GMS);
2. Dewan Komisaris; 2. Board of Commissioners;
3. Direksi. 3. Board of Directors.
Proses dan mekanisme penerapan tata kelola Perusahaan, In terms of processes and mechanisms for good corporate
setiap organ memiliki tanggung jawab sesuai dengan governance implementation, each organ is responsible for
pedoman kerja dan melaksanakan implementasi GCG secara carrying out integrated GCG implementation in accordance
terintegrasi. Dalam pelaksanaannya, Rapat Umum Pemegang with work guidelines. The General Meeting of Shareholders
Saham (RUPS) memiliki wewenang tertinggi. Dewan (GMS) has the most authority in its implementation. The
Komisaris berperan dalam menjalankan fungsi pengawasan Board of Commissioners is responsible for carrying out
dan memberikan nasihat kepada Direksi terkait pengelolaan supervisory and advisory duties to the Board of Directors
Perusahaan. Direksi bertugas untuk menjalankan on the Company management. The Board of Directors is in
pengelolaan operasional Perusahaan. charge of the Company’s operational management.
Dalam pelaksanaan tugas dan tanggung jawabnya, Dewan In carrying out its duties and responsibilities, the Board of
Komisaris dibantu oleh organ yang dibentuk sesuai peraturan Commissioners is assisted by organs established under the
perundang-undangan yang berlaku. Terdapat tiga komite applicable laws and regulations. There are three committees
yang berada di bawah Dewan Komisaris yaitu: Komite under the Board of Commissioners, namely: Audit Committee;
Audit; Komite Pemantau Risiko; dan Komite Remunerasi Risk Monitoring Committee; and the Remuneration and
dan Nominasi. Sedangkan organ yang berada di bawah Nomination Committee. Meanwhile, the organs under the
Direksi adalah Komite Manajemen Risiko, Komite Pengarah Board of Directors are the Risk Management Committee,
Teknologi Sistem Informasi, Asset & Liability Committee, Information Systems Technology Steering Committee,
Komite Produk, Komite Kredit, dan Komite Kebijakan Asset and Liability Committee, Product Committee, Credit
Perkreditan. Selain itu, Direksi juga memiliki Divisi dan Unit Committee, and Credit Policy Committee. Apart from that,
Kerja yang membantu pelaksanaan tugasnya, yaitu Corporate the Board of Directors also has Divisions and Work Units
Secretary, Divisi Legal & Compliance, Internal Audit (SKAI) that assist in carrying out their duties, namely Corporate
dan Divisi Enterprise Risk Management. Secretary, Legal & Compliance Division, Internal Audit (SKAI)
and Enterprise Risk Management Division.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 311
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
312 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 313
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya memastikan penerapan GCG selaras berdasarkan Bank Raya ensures that GCG implementation is consistent
governance system, yaitu governance structure, governance with the governance system, which includes the governance
process, dan governance outcome. Dengan demikian structure, governance process, and governance results.
apabila struktur tata kelola solid terintegrasi, dan berjalan As a result, if a robust governance system is implemented
dengan baik, maka akan menghasilkan hasil tata kelola and works smoothly, it will deliver good governance results
yang baik kepada Perusahaan. Hasil tata kelola (governance for the Company. Bank Raya’s governance outcomes are
outcome) dimanifestasikan Bank Raya melalui pencapaian manifested through the Company’s achievements in terms
dalam hal peningkatan pada kinerja operasional, keuangan, of operational, financial, and other achievements. These
dan pencapaian lainnya yang diraih Perusahaan. Hasil results represent a value that can give the Company with
tersebut merupakan sebuah nilai yang dapat memberikan favorable growth and long-term performance.
pertumbuhan positif dan kinerja berkelanjutan untuk
Perusahaan.
Rapat Umum Pemegang Saham (RUPS) merupakan organ The General Meeting of Shareholders (GMS) is the highest
tertinggi dalam tata kelola Perusahaan. Dewan Komisaris organ in the Good Corporate Governance. The Board of
dan Direksi dapat melaporkan hasil kinerja atas pengelolaan Commissioners and Board of Directors has the authority
Perusahaan kepada para pemegang saham. Para pemegang to report to shareholders on the performance of Company
saham dapat menyampaikan pendapat, dan mengambil management. Shareholders can express their opinions and
keputusan secara bersama mengenai kinerja Perusahaan. make mutual decision about the Company’s performance.
Bank Raya mencatatkan saham di Bursa Efek Indonesia Bank Raya listed 3,232,934,619 shares on the Indonesia
sebanyak 3.232.934.619 dari 24.740.107.814 lembar saham. Stock Exchange out of 24,740,107,814 shares. Bank Raya
Pemegang Saham Bank Raya terdiri dari Pemegang Saham Shareholders consist of Major/Controlling Shareholders,
Utama/Pengendali, Pemegang Saham yang memiliki saham Shareholders who own more than 5% of shares, and public
di atas 5%, dan Pemegang Saham publik yang masing-masing Shareholders who own less than 5% of Bank shares each.
memiliki kurang dari 5% saham Bank.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Hingga 31 Desember 2023, struktur Pemegang Saham Bank As of December 31, 2023, the Shareholder structure of Bank
Raya Indonesia adalah sebagai berikut: Raya Indonesia is as follows:
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 315
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
316 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
11. Memutuskan remunerasi yakni: penetapan gaji, tunjangan 11. Deciding on remuneration, namely: determining salaries,
lain serta honorarium Direksi dan Dewan Komisaris other allowances and honorarium for the Company’s
Perusahaan; Board of Directors and Board of Commissioners;
12. Memberi persetujuan terhadap transaksi yang 12. Approving transactions that contain conflicts of interest;
mengandung benturan kepentingan;
13. Memberikan kuasa dan kewenangan kepada Dewan 13. Granting power and authority to the Board of
Komisaris untuk menunjuk Kantor Akuntan Publik (KAP) Commissioners to appoint a Public Accounting Firm
dengan memperhatikan rekomendasi dari Komite Audit. (KAP) by taking into account recommendations from the
Audit Committee.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 317
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Mekanisme Penyelenggaraan RUPS Tahunan tahun 2023 2023 Annual GMS Convention Mechanism
Adapun tahapan penyelenggaraan RUPS Tahunan Perusahaan The stages of the Company’s Annual GMS convention are as
adalah sebagai berikut: follows:
Kegiatan / Activities Tanggal / Date Keterangan / Description
Melalui surat Direksi No. B.116/DIR.01.03/CSC/02/2023
27 Februari 2023 /
Pemberitahuan RUPS / GMS Notification / Through Board of Directors letter No. B.116/DIR.01.03/
February 27, 2023
CSC/02/2023
13 Maret 2023 / March 13, Tayang di Investor Daily tanggal 13 Maret 2023 / Released on
Pengumuman RUPS / GMS Announcement
2023 Investor Daily on March 13, 2023
18 April 2023 / April 18, Tayang di Investor Daily tanggal 18 April 2023 / Released on
Pemanggilan RUPS / GMS Summons
2023 Investor Daily on April 18, 2023
Pelaksanaan RUPS / GMS Convention 10 Mei 2023 / May 10, 2023 Gedung Menara BRILiaN lantai 19 /BRILiaN Tower, 19th floor
Pengumuman Hasil dan Keputusan RUPS / Tayang di Investor Daily tanggal 12 Mei 2023 / Released on
12 Mei 2023 / May 12, 2023
GMS Results and Resolutions Announcement Investor Daily on May 12, 2023
Kehadiran Pemegang Saham, Dewan Komisaris dan Direksi Attendance of Shareholders, Board of Commissioners and
pada RUPS Tahunan Tahun 2023 Directors at the 2023 Annual GMS
Daftar hadir RUPST tahun 2023 sebagai berikut: The 2023 AGMS attendance list is as follows:
DEWAN KOMISARIS / BOARD OF COMMISSIONER
318 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Direktur Retail Agri dan Pendanaan / Director of Retail Agri and Funding Dedy Hendrianto
Direktur Digital dan Operasional / Director of Digital and Operations Bhimo Wikan Hantoro
Kuorum Kehadiran /
21.765.689.743 (100%)
Attendance Quorum
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 319
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
21.764.838.656 - 851.087
Kuorum Kehadiran /
21.765.686.643 (99,9999858%)
Attendance Quorum
Mata Acara Rapat Penetapan Remunerasi (Gaji/Honorarium, Fasilitas dan Tunjangan) untuk Tahun Buku 2023 (dua ribu dua puluh tiga) serta Insentif
Ketiga / Kinerja untuk Tahun Buku 2022 (dua ribu dua puluh dua) bagi Direksi dan Dewan Komisaris Perseroan /
Third Meeting Determination of Remuneration (Salary/Honorarium, Facilities and Allowances) for the Fiscal Year 2023 (two thousand twenty three)
Agenda and Performance Incentives for the Fiscal Year 2022 (two thousand twenty two) for the Company’s Directors and Commissioners
1. Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapatkan persetujuan
PT Bank Rakyat Indonesia (Persero) Tbk. sebagai Pemegang Saham Pengendali Perseroan untuk menetapkan besarnya Remunerasi
(gaji/honorarium, fasilitas dan tunjangan) untuk Tahun Buku 2023 (dua ribu dua puluh tiga) serta Insentif Kinerja untuk Tahun Buku
2022 (dua ribu dua puluh dua) bagi Direksi dan Dewan Komisaris Perseroan. /
Approved the granting of authority and power to the Company’s Board of Commissioners by first obtaining approval from PT Bank
Rakyat Indonesia (Persero) Tbk. as Controlling Shareholder of the Company to determine the amount of Remuneration (salary/
honorarium, facilities and allowances) for the 2023 Fiscal Year (two thousand and twenty three) as well as Incentives of the
Keputusan Rapat /
Performance for the Fiscal Year 2022 (two thousand twenty two) for the Company’s Directors and Board of Commissioners.
Meeting Resolution
2. Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapat persetujuan PT
Bank Rakyat Indonesia (Persero) Tbk. sebagai Pemegang Saham Mayoritas Perseroan, untuk menetapkan besarnya Insentif Kinerja
untuk Tahun 2022 (dua ribu dua puluh dua) bagi Direksi dan Dewan Komisaris, dengan memperhatikan kondisi keuangan Perseroan. /
Approved the granting of authority and power to the Company’s Board of Commissioners by first obtaining approval from PT Bank
Rakyat Indonesia (Persero) Tbk. as the Majority Shareholder of the Company, to determine the amount of Performance Incentives for
2022 (two thousand twenty two) for the Board of Directors and Board of Commissioners, taking into account the Company’s financial
condition.
Jumlah Pemegang Saham yang Mengajukan Pertanyaan atau Menyampaikan Pendapat /
Number of Shareholders Asking Questions or Expressing Opinions
Kuorum Kehadiran /
21.765.683.643 (99,9999720%)
Attendance Quorum
320 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Mata Acara Rapat Penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik untuk Mengaudit Laporan Keuangan Perseroan Tahun Buku 2023 (dua ribu
Keempat / dua puluh tiga). /
Fourth Meeting Appointment of Public Accountant and/or Public Accounting Firm to Audit the Company’s Financial Statements for the Fiscal Year 2023
Agenda (two thousand twenty three).
1. Menyetujui penunjukkan Purwantono, Sungkoro & Surja (a member firm of Ernst & Young Global Limited) sebagai Kantor Akuntan
Publik yang akan mengaudit Laporan Keuangan Perseroan Tahun Buku 2023 (dua ribu dua puluh tiga). /
Approved the appointment of Purwantono, Sungkoro & Surja (a member firm of Ernst & Young Global Limited) as the Public Accounting
Firm to audit the Company’s Financial Statements for the Fiscal Year 2023 (two thousand twenty three).
2. Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk melakukan : /
Approved the granting of authority and power to the Company’s Board of Commissioners to carry out:
a. Menunjuk Akuntan Publik dan/atau Kantor Akuntan Publik untuk melakukan audit atas Laporan Keuangan Perseroan periode
lainnya pada Tahun Buku 2023 (dua ribu dua puluh tiga) untuk tujuan dan kepentingan Perseroan; /
Appointed Public Accountant and/or Public Accounting Firm to audit the Company’s Financial Statements for other periods in the
Keputusan Rapat / Fiscal Year 2023 (two thousand twenty three) for the purposes and interests of the Company;
Meeting Resolution b. Menetapkan imbalan jasa audit dan persyaratan lainnya bagi Akuntan Publik dan/atau Kantor Akuntan Publik tersebut, serta
menunjuk Akuntan Publik dan/atau Kantor Akuntan Publik Pengganti dalam KAP Purwantono, Sungkoro & Surja (a member Firm of
Ernst & Young Global Limited), karena sebab apapun, tidak dapat menyelesaikan audit Laporan Keuangan Perseroan Tahun Buku
2023 (dua ribu dua puluh tiga) dan/atau periode lainnya pada Tahun Buku 2023 (dua ribu dua puluh tiga), termasuk menetapkan
imbalan jasa audit dan persyaratan lainnya bagi Akuntan Publik dan/atau Kantor Publik Pengganti tersebut. /
Determined fees for audit services and other requirements for the Public Accountant and/or Public Accounting Firm, as well as
appointing a Substitute Public Accountant and/or Public Accounting Firm in KAP Purwantono, Sungkoro & Surja (a member Firm of
Ernst & Young Global Limited), for any reason anything, unable to complete the audit of the Company’s Financial Statements for the
Fiscal Year 2023 (two thousand twenty three) and/or other periods in the Fiscal Year 2023 (two thousand twenty three), including
determining fees for audit services and other requirements for Public Accountants and/or Replacement Public Office.
Jumlah Pemegang Saham yang Mengajukan Pertanyaan atau Menyampaikan Pendapat /
Number of Shareholders Asking Questions or Expressing Opinions
Kuorum Kehadiran /
21.765.686.643 (99,9999858%)
Attendance Quorum
Kuorum Kehadiran /
-
Attendance Quorum
- - -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 321
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
322 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
9. Dengan adanya perubahan tersebut, maka susunan Dewan Komisaris dan Direksi PT Bank Raya Indonesia Tbk. adalah sebagai
berikut: /
With these changes, the composition of the Board of Commissioners and Board of Directors of PT Bank Raya Indonesia Tbk. are as
follows:
Dewan Komisaris / Board of Commissioners
Komisaris Utama / President Commissioner : Muhamad Sidik Heruwibowo. *)
Komisaris Independen / Independent Commissioner : Eko B. Supriyanto.
Komisaris Independen / Independent Commissioner : Rina Sa’adah.
Komisaris Independen / Independent Commissioner : Retno Wahyuni Wijayanti. *)
Komisaris / Commissioner : Achmad F.C. Barir.
Keterangan / Information:
*) Efektif setelah fit and proper test disetujui olah Otoritas Jasa Keuangan /
Effective after the fit and proper test is approved by the Financial Services Authority
10. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi untuk melakukan segala tindakan yang diperlukan
berkaitan dengan keputusan agenda ini sesuai dengan ketentuan yang berlaku termasuk untuk menyatakan dalam akta Notaris
tersendiri dan memberitahukan susunan Dewan Komisaris dan Direksi kepada Kementerian Hukum dan HAM. /
Granted power and authority to the Board of Directors with the right of substitution to carry out all necessary actions related to the
decisions on this agenda in accordance with applicable provisions, including to declare in a separate Notarial deed and notify the
composition of the Board of Commissioners and Directors to the Ministry of Law and Human Rights.
Jumlah Pemegang Saham yang Mengajukan Pertanyaan atau Menyampaikan Pendapat /
Number of Shareholders Asking Questions or Expressing Opinions
Kuorum Kehadiran /
21.491.220.627 (98,7389827%)
Attendance Quorum
Mekanisme Penyelenggaraan RUPS Luar Biasa tahun 2023 2023 Extraordinary GMS Convention Mechanism
Adapun tahapan penyelenggaraan RUPS Luar Biasa The stages of holding the Company’s Extraordinary GMS are
Perusahaan adalah sebagai berikut: as follows:
Kegiatan / Activities Tanggal / Date Keterangan / Description
Pemberitahuan perubahan jadwal dan mata acara
21 Agustus 2023 / August pelaksanaan RUPSLB tanggal 21 Agustus 2023 / Notification
Pemberitahuan RUPS / GMS Notification
21, 2023 of changes to the schedule and agenda for the EGMS on
August 21, 2023
pengumuman Rapat kepada pemegang saham pada
26 Agustus 2023 / August
Pengumuman RUPS / GMS Announcement tanggal 26 Agustus 2023 / Announcement of the Meeting to
26, 2023
shareholders on August 26, 2023
Melalui Harian Investor Daily, web Bursa Efek Indonesia, Situs
11 September 2023 / Web Perseroan dan Web KSEI / Through Investor Daily, the
Pemanggilan RUPS / GMS Summons
September 11, 2023 Indonesian Stock Exchange website, the Company Website
and the KSEI Website
03 Oktober 2023 / October
Pelaksanaan RUPS / GMS Convention Gedung Menara BRILiaN lantai 19 /BRILiaN Tower, 19th floor
3, 2023
Pengumuman Hasil dan Keputusan RUPS / 05 Oktober 2023 / October Tayang di Investor Daily tanggal 5 Oktober 2023 / Released on
GMS Results and Resolutions Announcement 5, 2023 Investor Daily on October 5, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 323
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kehadiran Pemegang Saham, Dewan Komisaris dan Direksi Attendance of Shareholders, Board of Commissioners and
pada RUPS Luar Biasa tahun 2023 Board of Directors at the 2023 Extraordinary GMS
Daftar hadir RUPS Luar Biasa tahun 2023 sebagai berikut: The list of attendees for the 2023 Extraordinary GMS is as
follows:
DEWAN KOMISARIS / BOARD OF COMMISSIONER
Direktur Retail Agri dan Pendanaan / Director of Retail Agri and Funding Dedy Hendrianto
Direktur Digital dan Operasional / Director of Digital and Operations Bhimo Wikan Hantoro
324 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Kuorum Kehadiran /
21.495.303.440 (99,2017073%)
Attendance Quorum
Keterangan / Information:
*) Efektif setelah lulus Uji Kemampuan dan Kepatutan oleh Otoritas Jasa Keuangan. /
Effective after passing the Fit and Proper Test by the Financial Services Authority
4. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi untuk melakukan segala tindakan yang diperlukan berkaitan
dengan keputusan tersebut sesuai dengan ketentuan yang berlaku, termasuk untuk menyatakan dalam Akta Notaris tersendiri dan
memberitahukan susunan Dewan Komisaris dan Direksi kepada Kementerian Hukum dan HAM /
Granted power and authority to the Board of Directors with the right of substitution to carry out all necessary actions related to the
decision in accordance with applicable provisions, including to declare it in a separate Notarial Deed and notify the composition of
the Board of Commissioners and Directors to the Ministry of Law and Human Rights
Jumlah Pemegang Saham yang Mengajukan Pertanyaan atau Menyampaikan Pendapat /
Number of Shareholders Asking Questions or Expressing Opinions
Kuorum Kehadiran /
21.668.279.746 (100%)
Attendance Quorum
21.668.085.946 - -
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 325
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
KEPUTUSAN DAN REALISASI KEPUTUSAN RUPS TAHUN RESOLUTIOS AND REALIZATION OF GMS RESOLUTIONS IN
SEBELUMNYA THE PREVIOUS YEAR
Di tahun 2022, Bank Raya menyelenggarakan 1 (satu) kali In 2022, Bank Raya held 1 (one) Annual GMS on March 31,
RUPS Tahunan pada tanggal 31 Maret 2022, dan 1 (satu) kali 2022, and 1 (one) Extraordinary GMS on September 29, 2022.
RUPS Luar Biasa pada tanggal 29 September 2022. Informasi Information related to the 2022 AGMS and EGMS is as follows:
terkait RUPST dan RUPSLB tahun 2022 adalah sebagai
berikut:
Mata Acara Rapat Penetapan Remunerasi (Gaji/Honorarium, Fasilitas dan Tunjangan) untuk Tahun Buku 2022 (dua ribu dua puluh dua) serta Tantiem
Kedua / untuk Tahun Buku 2021 (dua ribu dua puluh satu) bagi Direksi dan Dewan Komisaris Perusahaan /
Second Meeting Determination of Remuneration (Salary/Honorarium, Facilities and Allowances) for the Financial Year 2022 (two thousand twenty-two)
Agenda and Tantiem for the Financial Year 2021 (two thousand twenty one) for the Directors and Board of Commissioners of the Company
Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapatkan persetujuan PT
Bank Rakyat Indonesia (Persero) Tbk. sebagai Pemegang Saham Pengendali Perseroan untuk menetapkan besarnya Remunerasi (gaji/
honorarium, fasilitas dan tunjangan) untuk Tahun Buku 2022 (dua ribu dua puluh dua), serta untuk menetapkan, memberikan atau tidak
memberikan Tantiem/Insentif Kinerja/Insentif Khusus, termasuk jumlah pembayarannya untuk Tahun Buku 2021 (dua ribu dua puluh
Keputusan Rapat / satu) bagi Direksi dan Dewan Komisaris Perusahaan dengan memperhatikan kinerja Perusahaan /
Meeting Resolution Approved the granting of authority and power to the Company’s Board of Commissioners by first obtaining approval from PT Bank
Rakyat Indonesia (Persero) Tbk. as the Controlling Shareholder of the Company to determine the amount of Remuneration (salary/
honorarium, facilities and allowances) for the 2022 Fiscal Year (two thousand twenty two), as well as to determine, provide or not
provide Tantiem/Performance Incentives/Special Incentives, including the amount of payment for Fiscal Year 2021 (two thousand
twenty one) for the Company’s Directors and Board of Commissioners taking into account the Company’s performance
Dewan Komisaris telah menetapkan besarnya remunerasi (gaji, honorarium, fasilitas, tunjangan, dan/atau benefit lainnya) tahun 2022 (dua ribu dua puluh satu)
bagi Direksi dan Dewan Komisaris, serta tantiem untuk tahun buku 2021 bagi Direksi dan Dewan Komisaris. /
The Board of Commissioners has decided on tantiem for the Board of Directors and Board of Commissioners for the 2020 fiscal year as well as the amount of
compensation (salary, honorarium, facilities, allowances, and/or other perks) for 2021 (two thousand and twenty one).
326 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Penunjukan Akuntan Publik dan/atau Kantor Akuntan Publik untuk Mengaudit Laporan Keuangan Perusahaan Tahun Buku 2022 (dua ribu
Mata Acara Rapat
dua puluh dua) /
Ketiga / Third
Appointment of a Public Accountant and/or Public Accounting Firm to Audit the Company’s Financial Statement for the 2022 Fiscal Year
Meeting Agenda
(two thousand twenty two)
1. Menyetujui penunjukkan Purwantono, Sungkoro & Surja (a member firm of Ernst & Young Global Limited) sebagai Kantor Akuntan
Publik yang akan mengaudit Laporan Keuangan Perusahaan Tahun Buku 2022 (dua ribu dua puluh dua); /
Approved the appointment of Purwantono, Sungkoro & Surja (a member firm of Ernst & Young Global Limited) as the Public Accounting
Firm that will audit the Company’s Financial Report for the 2022 Fiscal Year (two thousand and twenty-two);
2. Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perusahaan untuk menunjuk Akuntan Publik dan/atau Kantor
Akuntan Publik untuk melakukan audit atas Laporan Keuangan Perusahaan periode lainnya pada Tahun Buku 2022 untuk tujuan dan
kepentingan Perseroan; dan /
Approved the granting of authority and power to the Company’s Board of Commissioners to appoint a Public Accountant and/or Public
Accounting Firm to audit the Company’s Financial Statements for other periods in the 2022 Fiscal Year for the purposes and interests
of the Company; and
Keputusan Rapat /
3. Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk menetapkan imbalan jasa audit dan persyaratan
Meeting Resolution
lainnya bagi Akuntan Publik dan/atau Kantor Akuntan Publik tersebut, serta menunjuk Akuntan Publik dan/atau Kantor Akuntan Publik
Pengganti dalam hal Purwantono, Sungkoro & Surja (a member firm of Ernst & Young Global Limited), karena sebab apapun, tidak
dapat menyelesaikan audit Laporan Keuangan Perusahaan Tahun Buku 2022 (dua ribu dua puluh dua), termasuk menetapkan imbalan
jasa audit dan persyaratan lainnya bagi Akuntan Publik dan/atau Kantor Akuntan Publik Pengganti tersebut. /
Approved the granting of authority and power to the Board of Commissioners of the Company to determine fees for audit services and
other requirements for the Public Accountant and/or Public Accounting Firm, as well as appointing a Substitute Public Accountant
and/or Public Accounting Firm in the case of Purwantono, Sungkoro & Surja (a member firm of Ernst & Young Global Limited), for
whatever reason, is unable to complete the audit of the Company’s Financial Statements for the 2022 Fiscal Year (two thousand
twenty two), including determining fees for audit services and other requirements for the Public Accountant and/or Substitute Public
Accounting Firm.
Dewan Komisaris telah menunjuk KAP Purwantono, Sungkoro, dan Surja untuk mengaudit Laporan Keuangan Tahun Buku 2022. /
KAP Purwantono, Sungkoro, and Surja have been selected by the Board of Commissioners to audit the financial statements for 2021.
Mata Acara Rapat Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas dalam rangka Penambahan Modal dengan Hak Memesan Efek
Keempat / Terlebih Dahulu IX— Tahun 2021 (dua ribu dua puluh satu) /
Fourth Meeting Realization Report on the Use of Limited Public Offering Proceeds for Additional Capital with Pre-emptive Rights IX—2021 (two
Agenda thousand twenty one)
Keputusan Rapat / Hanya bersifat laporan, tidak diperlukan persetujuan dari Rapat, karenanya tidak diperlukan pengambilan keputusan. /
Meeting Resolution Since it is merely a report and the Meeting does not need to approve it, no decision is necessary
Bank telah melakukan pelaporan pada tanggal 10 Januari 2023 & 13 Juli 2023. / The Bank has reported on January 10, 2023 & July 13, 2023.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
10. Memberikan kuasa dan wewenang kepada Direksi-dengan hak substitusi untuk melakukan segala tindakan yang diperlukan
berkaitan dengan keputusan agenda ini sesuai dengan ketentuan yang berlaku, termasuk untuk menyatakan dalam Akta Notaris
tersendiri dan memberitahukan susunan Dewan Komisaris dan Direksi kepada Kementerian Hukum dan Hak Asasi Manusia Republik
Indonesia. /
Granted power and authority to the Directors-with the right of substitution to take all necessary actions related to the decisions of
this agenda in accordance with the applicable provisions, including to state in a separate Notary Deed and notify the composition
of the Board of Commissioners and Directors to the Ministry of Law and Human Rights Republic of Indonesia.
Keputusan berlaku efektif setelah mendapat persetujuan dari OJK. / The decision is effective after obtaining approval from OJK.
328 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
1. Menyetujui Perseroan melakukan peningkatan modal ditempatkan dan disetor Perseroan melalui mekanisme Penambahan Modal
Perseroan Dengan Hak Memesan Efek Terlebih Dahulu (PMHMETD), dengan cara penerbitan saham baru dari portepel Perseroan
sebanyak-banyaknya 3.500.000.000 (tiga miliar lima ratus juta) lembar saham, dengan nilai nominal Rp100,00 (seratus Rupiah) per
lembar saham. /
Approved the Company to increase its issued and paid-up capital through the mechanism of Additional Capital of the Company with
Pre-emptive Rights (PMHMETD), by issuing new shares from the Company’s portfolio of up to 3,500,000,000 (three billion five hundred
million) shares, with a nominal value of IDR 100.00 (one hundred Rupiah) per share.
2. Memberikan wewenang dan kuasa kepada Direksi dengan hak substitusi dan dengan terlebih dahulu mendapat persetujuan dari
Dewan Komisaris Perseroan, untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan PMHMETD dengan
memperhatikan seluruh peraturan perundangan yang berlaku termasuk tetapi tidak terbatas pada: /
Keputusan Rapat / The Board of Directors has been granted authority and power, with substitution rights and prior approval from the Company’s Board of
Meeting Resolution Commissioners, to take all necessary actions in connection with the implementation of PMHMETD, taking into account all applicable
laws and regulations, including but not limited to:
- Menetapkan jumlah saham yang akan ditawarkan dalam PMHMETD. /
Determine the number of shares to be offered in PMHETD.
- Menetapkan harga pelaksanaan PMHMETD dengan memperhatikan peraturan dan perundangan yang berlaku. /
Determine the price for PMHMETD implementation by taking into account the applicable laws and regulations.
- Menetapkan jadwal waktu pelaksanaan PMHMETD dan persyaratannya. /
Determine the time schedule for PMHMETD implementation and its requirements.
- Melakukan segala tindakan yang diperlukan dan berguna dalam rangka pelaksanaan PMHMETD, termasuk mengubah pasal 4 ayat
(2) dan pasal 31 Anggaran Dasar Perseroan dengan akta tersendiri dihadapan Notaris. /
Take all necessary and useful actions in the context of implementing PMHMETD, including changing article 4 paragraph (2) and
article 31 of the Company’s Articles of Association with a separate deed before a Notary.
Bank telah menyelenggarakan Right Issue pada 30 November 2022. / The Bank has held a Right Issue on November 18, 2021.
Mata Acara Rapat Laporan Pelaksanaan Perubahan Alamat Kantor Pusat Perseroan dan Persetujuan untuk perbaikan data di Kemenkumham dan
Kedua / Penyesuaian dalam Data NIB di OSS /
Second Meeting Report on the Implementation of Changes in the Company’s Head Office Address and Approval for Data Correction at the Ministry of Law
Agenda and Human Rights, as well as NIB Data Adjustments at OSS.
1. Menyetujui perubahan Alamat Kantor Pusat Perseroan yang semula beralamat di Jalan Warung Jati Barat No. 139 Kel. Kalibata, Kec
Pancoran, Jakarta Selatan, DKI Jakarta, menjadi beralamat di Menara BRILiaN - Jl Gatot Subroto No. 177A, Kel. Menteng Dalam, Kec.
Tebet, Jakarta Selatan, DKI Jakarta; /
Approved the change in the address of the Company’s Head Office, which is now located at Menara BRILiaN - Jl Gatot Subroto No.
177A, Ex. Menteng Dalam, Kec. Tebet, South Jakarta, DKI Jakarta. Previously, the address was Jalan Warung Jati Barat No. 139 Ex.
Kalibata, Pancoran Sub-District, South Jakarta, DKI Jakarta
Keputusan Rapat / 2. Menyetujui perbaikan data di Kementerian Hukum dan Hak Asasi Manusia RI termasuk dalam Data NIB di OSS; /
Meeting Resolution Accepted the enhancement of data in the NIB Data in OSS and the Ministry of Law and Human Rights of the Republic of Indonesia.
3. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi untuk melakukan segala tindakan yang diperlukan berkaitan
dengan keputusan agenda ini sesuai dengan ketentuan yang berlaku, termasuk menyatakan dalam Akta Notaris tersendiri dan
memberitahukan perubahan alamat kantor pusat Perseroan kepada Kementerian Hukum dan HAM RI. /
Assigned the Board of Directors the power and authority to make all decisions related to this agenda in accordance with applicable
laws, with the right of substitution. This includes notifying the Ministry of Law and Human Rights of the Republic of Indonesia of the
change in the address of the Company’s head office and stating it in a separate notarized deed.
Bank telah melakukan perbaikan data di Kemenkumham dan Penyesuaian dalam Data NIB di OSS. /
The Bank has made data improvements at the Ministry of Law and Human Rights and adjustments to NIB data at OSS.
Anggaran Dasar Perseroan telah diubah berdasarkan Akta Nomor 48 tanggal 30 September 2022 yang dibuat dihadapan Notaris M.Nova Faisal SH,. M.Kn, di
Jakarta. / The Company’s Articles of Association have been amended based on Deed Number 48 dated September 30, 2022 made before Notary M.Nova Faisal
SH. M.Kn, in Jakarta.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
4. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi untuk melakukan segala tindakan yang diperlukan berkaitan
dengan keputusan agenda ini sesuai dengan ketentuan yang berlaku, termasuk untuk menyatakan dalam Akta Notaris tersendiri dan
memberitahukan susunan Dewan Komisaris dan Direksi kepada Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia. /
The Board of Directors has been given the power and authority to make all decisions related to the items on this agenda in accordance
with the laws that apply. This includes notifying the Ministry of Law and Human Rights of the Republic of Indonesia of the composition
of the Board of Commissioners and Directors in a separate Notary Deed
Keputusan berlaku efektif setelah mendapat persetujuan dari OJK. / The decision is effective after obtaining approval from OJK.
DEWAN KOMISARIS
Board of Commissioners
Berdasarkan Undang-Undang No.40 tahun 2007 tentang Based on Law No. 40 of 2007 on Limited Liability Companies,
Perseroan Terbatas, Dewan Komisaris Dewan Komisaris the Board of Commissioners is a Company organ with duties
adalah organ Perseroan yang bertugas melakukan to perform general and/or specific supervision in accordance
pengawasan secara umum dan/atau khusus sesuai dengan with the articles of association and advise the Board of
anggaran dasar serta memberi nasihat kepada Direksi. Directors. The Board of Commissioners is responsible to
Dewan Komisaris memiliki tanggung jawab menjalankan supervise the management carried out by the Board of
peran pengawasan terhadap pengelolaan yang dilakukan Directors, and provide advice or recommendations to the
oleh Direksi, dan memberikan nasihat ataupun rekomendasi Board of Directors.
kepada Direksi.
330 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
2. Peraturan OJK Nomor 33/POJK.04/2014 tentang Direksi 2. OJK Regulation No. 33/POJK.04/2014 on Board of
dan Dewan Komisaris Emiten atau Perusahaan Publik; Directors and Board of Commissioners of Issuers or
Public Companies;
3. Peraturan OJK Nomor 55/POJK.03/2016 tentang 3. OJK Regulation No. 55/POJK.03/2016 on Implementation
Penerapan Tata Kelola bagi Bank Umum; of Governance for Commercial Banks;
4. Anggaran Dasar Perusahaan. 4. The Company’s Articles of Association.
Di dalam pedoman kerja Dewan Komisaris memuat informasi The Board of Commissioners Manual contains the following
sebagai berikut: information:
1. Tugas , tanggung jawab dan wewenang; 1. Duties, responsibilities and authority;
2. Etika Kerja Dewan Komisaris; 2. Board of Commissioners Work Ethics;
3. Waktu Kerja; 3. Work Hours;
4. Komposisi Dewan Komisaris; 4. Board of Commissioners Composition;
5. Tata cara rapat; 5. Meeting procedures;
6. Laporan; 6. Report;
7. Korespondensi; 7. Correspondence;
8. Struktur organisasi. 8. Organizational structure.
Anggota Dewan Komisaris juga dapat dihentikan sewaktu- Members of the Board of Commissioners can also be
waktu, berdasarkan keputusan RUPS terhadap kelayakan dismissed at any time, based on the GMS resolution on the
dan/atau kenyataan anggota Dewan Komisaris yang suitability and/or facts of the Board of Commissioners
bersangkutan antara lain: member concerned, including:
1. Tidak/kurang dapat memenuhi kewajibannya yang telah 1. Not/inadequately able to fulfill the obligations agreed
disepakati dalam kontrak manajemen; upon in the management contract;
2. Tidak dapat menjalankan tugasnya dengan baik; 2. Unable to carry out their duties properly;
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3. Melanggar ketentuan anggaran dasar dan/atau peraturan 3. Violate the provisions of the articles of association and/
perundang-undangan yang berlaku; or applicable laws and regulations;
4. Melakukan tindakan yang melanggar etika dan/ atau 4. Carry out acts that violate the ethics and/or propriety
kepatutan yang seharusnya dihormati sebagai anggota that should be respected as a Board of Commissioner
Dewan Komisaris; members;
5. Terlibat dalam tindakan yang merugikan Bank dan/ atau 5. Be involved in acts that are detrimental to the Bank and/
negara; or the state;
6. Dinyatakan bersalah dengan putusan pengadilan yang 6. Is declared guilty in court permanent legal force;
mempunyai kekuatan hukum tetap;
7. Mengundurkan diri; 7. Resign;
8. Alasan lainnya yang dinilai tepat oleh RUPS demi 8. Other reasons deemed appropriate by the GMS for the
kepentingan dan tujuan Bank. interests and objectives of the Bank.
PROGRAM ORIENTASI BAGI DEWAN KOMISARIS BARU ORIENTATION PROGRAM FOR NEW COMMISSIONERS
Perusahaan memiliki program orientasi bagi Dewan The Company has an orientation program for new
Komisaris baru. Program orientasi tersebut meliputi program Commissioners. The orientation program includes
sosialisasi, pelatihan, dan sertifikasi yang diwajibkan oleh socialization, training, and certification programs required
Otoritas Jasa Keuangan (OJK) dan/ atau Bank Indonesia by the Financial Services Authority (OJK) and/or Bank
(BI). Bank Raya menyelenggarakan program orientasi bagi Indonesia (BI). Bank Raya organizes an orientation program
Komisaris baru dengan tujuan agar Komisaris baru dapat for new Commissioners to ensure that new Commissioners
menjalankan tugas dan tanggung jawabnya dengan sebaik- can carry out their duties and responsibilities with the best
baiknya. possible outputs.
332 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
2. Melaksanakan pengawasan terhadap pelaksanaan tugas 2. Supervise the implementation of the duties and
dan tanggung jawab Direksi Perseroan serta memberikan responsibilities of the Company’s Board of Directors and
nasihat kepada Direksi Perseroan; provide advice to the Company’s Board of Directors;
3. Memastikan penerapan tata kelola yang baik 3. Ensure good corporate governance implementation in
terselenggara dalam setiap kegiatan usaha Bank pada every Bank business activity at all organizational levels;
seluruh tingkatan atau jenjang organisasi;
4. Mengarahkan, memantau, dan mengevaluasi pelaksanaan 4. Direct, monitor and evaluate the Bank’s strategic policy
kebijakan strategis Bank; implementation;
5. Dalam melaksanakan pengawasan, Dewan Komisaris 5. In carrying out supervision, the Board of Commissioners
dilarang ikut serta dalam pengambilan keputusan is prohibited from participating in decision making on the
kegiatan operasional Bank, kecuali: Bank’s operational activities, except:
• Penyediaan dana kepada pihak terkait sebagaimana • Provision of funds to related parties as regulated
diatur dalam ketentuan mengenai batas maksimum in the provisions regarding the maximum limit for
pemberian kredit bank umum; granting commercial bank lending;
• Hal-hal lain yang ditetapkan dalam Anggaran Dasar • Other matters stipulated in the Bank’s Articles of
Bank atau peraturan perundang-undangan. Association or statutory regulations.
6. Dalam rangka mendukung efektivitas pelaksanaan tugas 6. In supporting effective implementation of duties and
dan tanggung jawab, Dewan Komisaris wajib membentuk responsibilities, the Board of Commissioners is obliged
paling sedikit: to form at least:
• Komite Audit; • Audit Committee;
• Komite Pemantau Risiko; • Risk Monitoring Committee;
• Komite Remunerasi dan Nominasi • Remuneration and Nomination Committee
(Dewan Komisaris dapat membentuk Komite (The Board of Commissioners may establish
Remunerasi dan Komite Nominasi sebagaimana Remuneration Committee and Nomination Committee
dimaksud pada huruf f butir 3 secara terpisah.) as referred to in letter f point 3 separately.)
7. Pengangkatan dan pemberhentian anggota komite 7. The appointment and dismissal of committee members
sebagaimana dimaksud pada butir f wajib dilakukan oleh as referred to in point f must be carried out by the Board
Direksi berdasarkan keputusan rapat Dewan Komisaris; of Directors based on the decision of the Board of
Commissioners meeting;
8. Melakukan pengawasan aktif terhadap Fungsi Kepatuhan, 8. Carry out active supervision of the Compliance Function,
dengan: by:
• Mengevaluasi pelaksanaan Fungsi Kepatuhan Bank • Evaluating the Bank’s Compliance Function
paling sedikit 2 (dua) kali dalam satu tahun; implementation at least twice a year;
• Memberikan saran untuk meningkatkan kualitas • Providing suggestions to improve the Bank’s
pelaksanaan Fungsi Kepatuhan Bank kepada Direktur Compliance Function implementation quality to the
Utama Perseroan dengan tembusan kepada Direktur President Director of the Company with a copy to the
Perseroan yang membawahkan Fungsi Kepatuhan. Director of the Company in charge of the Compliance
Function.
9. Wajib memastikan bahwa Direksi telah menindaklanjuti 9. Must ensure that the Board of Directors has followed up
temuan audit dan rekomendasi dari Satuan Kerja Audit on audit findings and recommendations from the Bank’s
Intern Bank, auditor ekstern, hasil pengawasan Otoritas Internal Audit Work Unit, external auditors, results of
Jasa Keuangan dan/atau hasil pengawasan otoritas lain. supervision by the Financial Services Authority and/or
other authorities.
10. Wajib melaporkan kepada Otoritas Jasa Keuangan paling 10. Must report to the Financial Services Authority no later
lambat 7 (tujuh) hari kerja sejak ditemukan: than 7 (seven) working days after discovery:
• Pelanggaran peraturan perundang-undangan di • Violation of laws and regulations in the financial and
bidang keuangan dan perbankan; banking sector;
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• Keadaan atau perkiraan keadaan yang dapat • Circumstances or predictions that could endanger
membahayakan kelangsungan usaha Bank. the Bank’s business continuity.
11. Mengusulkan penunjukan Akuntan Publik (AP) dan/ atau 11. Propose the appointment of a Public Accountant (AP)
Kantor Akuntan Publik (KAP) yang akan memberikan jasa and/or Public Accounting Firm (KAP) to audit the annual
audit atas informasi keuangan historis tahunan kepada historical financial information to the General Meeting of
Rapat Umum Pemegang Saham; Shareholders;
12. Melaksanakan paling sedikit: 12. Implement at least:
• Pengawasan terhadap penerapan kebijakan • Supervision of remuneration policy implementation;
remunerasi;
• Evaluasi secara berkala atas kebijakan remunerasi • Periodic evaluation of remuneration policies based
atas dasar hasil pengawasan sebagaimana dimaksud on the results of supervision as referred to in number
pada butir (12) poin 1. (12) point 1.
13. Mengusulkan calon anggota Direksi dan/atau Komisaris 13. Propose prospective Board of Directors and/or
untuk disampaikan kepada RUPS; Commissioners members to be submitted to the GMS;
14. Menyetujui dan mengevaluasi kebijakan Manajemen 14. Approve and evaluate the risk management policy and
risiko dan pertanggungjawaban Direksi atas pelaksanaan the responsibility of the Board of Directors for the Risk
kebijakan Manajemen Risiko; Management policy implementation;
15. Mengevaluasi dan memutuskan permohonan Direksi 15. Evaluate and decide on requests from the Board of
yang berkaitan dengan transaksi yang memerlukan Directors relating to transactions that require approval
persetujuan Dewan Komisaris; from the Board of Commissioners;
16. Memberikan persetujuan serta melakukan pengawasan 16. Provide approval and supervise the Company’s work plan
terhadap pelaksanaan rencana kerja Perseroan yang implementation which consists of:
terdiri dari:
• Rencana Jangka Panjang Perseroan (RJPP); • Company Long Term Plan (RJPP);
• Rencana Bisnis Bank (RBB); • Bank Business Plan (RBB);
• Rencana Kerja dan Anggaran Perseroan (RKAP); • Company Work Plan and Budget (RKAP);
• Rencana Kerja lainnya yang disiapkan Direksi • Other work plans prepared by the Company’s Board of
Perseroan Directors
17. Menelaah Laporan Berkala dan Laporan Tahunan yang 17. Review Periodic Reports and Annual Reports prepared by
disiapkan Direksi serta menandatangani Laporan the Board of Directors and sign the Annual Report;
Tahunan;
18. Melaporkan kepada Perseroan mengenai kepemilikan 18. Report to the Company regarding their and/or their
sahamnya dan/atau keluarganya pada Perseroan tersebut family’s share ownership in the Company and other
dan Perseroan lain; Companies;
19. Terkait pelaksanaan Rapat Umum Pemegang Saham, 19. Regarding the implementation of the General Meeting of
Dewan Komisaris wajib: Shareholders, the Board of Commissioners is obliged to:
• Memberikan laporan tentang tugas pengawasan yang • Provide reports on supervisory duties carried out
telah dilakukan selama tahun buku yang baru lampau; during the previous financial year;
• Memberikan pendapat dan saran mengenai masalah • Provide opinions and suggestions on significant
yang dianggap penting bagi kepengurusan Perseroan; issues to the management of the Company;
• Melaporkan apabila terjadi gejala menurunnya kinerja • Report any indications of the Company’s performance
Perseroan; decline;
• Memberikan penjelasan, pendapat dan saran • Provide explanations, opinions and suggestions
mengenai Laporan tahunan apabila diminta; regarding the annual report if requested;
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
20. Melaksanakan kewajiban lainnya dalam rangka tugas 20. Carry out other obligations in the context of supervisory
pengawasan dan pemberian nasihat, sepanjang tidak and advisory duties, as long as they do not conflict with
bertentangan dengan peraturan perundang-undangan, statutory regulations, the Articles of Association, and/or
Anggaran Dasar, dan/atau Keputusan Rapat Umum the General Meeting of Shareholders Resolutions.
Pemegang Saham.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
336 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
1. Mematuhi Anggaran Dasar dan peraturan perundang- 1. Comply with the Articles of Association and statutory
undangan serta prinsip-prinsip profesionalisme, regulations as well as the principles of professionalism,
efisiensi, transparansi, kemandirian, akuntabilitas, efficiency, transparency, independence, accountability,
pertanggungjawaban, serta kewajaran; responsibility and fairness;
2. Beritikad baik, penuh kehati-hatian, dan bertanggung 2. Have good faith, prudence, and responsibility in carrying
jawab dalam menjalankan tugas pengawasan dan out supervisory and advisory duties to the Board of
pemberian nasihat kepada Direksi untuk kepentingan Directors for the interests of the Company and in
Perseroan dan sesuai dengan maksud dan tujuan accordance with the aims and objectives of the Company;
Perseroan;
3. Tidak boleh dipengaruhi oleh pihak lain dalam 3. Must not be influenced by other parties in carrying out
melaksanakan tugas dan pengambilan keputusan yang duties and making decisions which results in abuse of
menyebabkan penyalahgunaan wewenang dan/ atau authority and/or inappropriate decision making;
pembuatan keputusan yang tidak tepat;
4. Dilarang memanfaatkan Perseroan untuk kepentingan 4. Not use the Company for personal, family and/or other
pribadi, keluarga, dan/atau pihak lain yang dapat party interests which may harm or reduce the Company’s
merugikan atau mengurangi keuntungan Perseroan; profits;
5. Dilarang mengambil dan/atau menerima keuntungan 5. Not take and/or receive personal benefits from the
pribadi dari Perseroan selain remunerasi dan fasilitas Company other than the remuneration and other facilities
lainnya yang ditetapkan; specified;
6. Dilarang melakukan transaksi yang mempunyai benturan 6. Not carry out transactions with conflict of interest that
kepentingan yang merugikan perusahaan dan/atau is detrimental to the Company and/or take personal
mengambil keuntungan pribadi dari kegiatan Perseroan advantage from the Company’s activities other than the
selain honorarium, tunjangan dan fasilitas yang honorarium, allowances and facilities received as a Board
diterimanya sebagai anggota Dewan Komisaris; of Commissioner member;
7. Dalam hal terdapat benturan kepentingan baik secara 7. For any direct or indirect conflict of interest on a
langsung maupun tidak langsung terhadap suatu proposed transaction, contract or agreement in which
transaksi, kontrak atau kontrak yang diusulkan dalam the Company is a party, then Board of Commissioner
mana Perseroan menjadi salah satu pihaknya, maka members:
anggota Dewan Komisaris:
a. Harus memberikan pernyataan tertulis atau a. Must provide a written statement or state in the
dinyatakan dalam risalah rapat tentang adanya minutes of the meeting regarding the existence of a
benturan kepentingan; conflict of interest;
b. Tidak ikut serta dalam pengambilan keputusan. b. Not participate in decision making.
8. Dilarang untuk memberikan atau menawarkan kepada 8. Not give or offer to customer or government official to
pelanggan atau seorang pejabat pemerintah untuk influence or receive, either directly or indirectly, anything
mempengaruhi atau menerima, baik langsung ataupun of value in return for their jobs and other actions in
tidak langsung sesuatu yang berharga sebagai imbalan accordance with applicable laws and regulations;
atas apa yang telah dilakukannya dan tindakan lainnya
sesuai peraturan perundang-undangan yang berlaku;
9. Memberikan contoh keteladanan dengan mendorong 9. Become a role model by encouraging ethical behavior and
terciptanya perilaku etis dan menjunjung tinggi standar upholding the Company’s ethical standards;
etika Perseroan;
10. Setiap anggota Dewan Komisaris bertanggung jawab 10. Each Board of Commissioner members is fully personally
penuh secara pribadi apabila yang bersangkutan bersalah responsible if a member is guilty or negligent in carrying
atau lalai menjalankan tugasnya untuk kepentingan out their duties for the interests and business of the
dan usaha Perseroan, kecuali yang bersangkutan dapat Company, unless the person concerned can prove
membuktikan sebaliknya. otherwise.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dewan Komisaris juga dapat mengadakan rapat sewaktu- The Board of Commissioners may also hold a meeting
waktu atas permintaan 1 (satu) atau beberapa anggota Dewan at any time at the request of 1 (one) or several Board of
Komisaris atau permintaan Direksi, dengan menyebutkan Commissioner members or at the request of the Board of
hal-hal yang akan dibicarakan. Dalam setiap rapat Dewan Directors, stating the meeting agenda. At every Board of
Komisaris dibuatkan risalah rapat oleh seorang yang hadir Commissioners meeting, minutes of the meeting are drawn
dan ditunjuk oleh Ketua Rapat, dan ditandatangani oleh up by the participants and appointed and signed by the
pimpinan rapat serta seluruh anggota Dewan Komisaris Chairman of the Meeting and all Board of Commissioner
yang hadir dalam rapat. Risalah rapat berisi hal-hal yang members present at the meeting. The minutes of the meeting
dibicarakan dan hal-hal yang diputuskan. contain all matters discussed and decided.
Di tahun 2023, Dewan Komisaris Perusahaan telah In 2023, the Company’s Board of Commissioners held 47
melaksanakan rapat sebanyak 47 (empat puluh tujuh) kali, (forty seven) meetings, and 12 (twelve) joint meetings with
dan rapat gabungan Bersama Direksi sebanyak 12 (dua belas) the Board of Directors. Information related to the agenda
kali rapat. Informasi terkait agenda dan kehadiran rapat and attendance of the Company’s Board of Commissioners
Dewan Komisaris Perusahaan adalah sebagai berikut: meetings is as follows:
Agenda dan Rekapitulasi Kehadiran Dewan Komisaris dalam Agenda and Recapitulation of the Board of Commissioners’
Rapat Dewan Komisaris Attendance at the Board of Commissioners Meeting
Tabel: Agenda Rapat Dewan Komisaris Table: Board of Commissioners Meeting Agenda
Kehadiran Dewan Komisaris /
Tanggal / Agenda Rapat / Board of Commissioners’ Attendance
No
Date Meeting Agenda
RDS RGN RS EBS AFCB MSH RWW JKA
338 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 339
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
340 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Tabel: Kehadiran Rapat Dewan Komisaris Table: Attendance at Board of Commissioners Meetings
Kehadiran / Attendance Persentase
Nama / Jabatan / (%) /
Name Position Hadir / Percentage
Total
Present (%)
Rudhy Sidharta* Komisaris Utama / President Commissioner 11 8 73%
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 341
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Agenda dan Rekapitulasi Kehadiran Dewan Komisaris dalam Agenda and Recapitulation of the Board of Commissioners’
Rapat Dewan Komisaris bersama Direksi Attendance at the Board of Commissioners Meeting with
the Board of Directors
Tabel: Agenda Rapat Gabungan Dewan Komisaris dan Table: Agenda for Joint Meeting of the Board of
Direksi Commissioners and Board of Directors
Kehadiran Dewan Komisaris /
Tanggal / Agenda Rapat / Board of Commissioners’ Attendance
No
Date Meeting Agenda
RDS RGN RS EBS AFCB MSH RWW JKA
342 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 343
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tabel: Kehadiran Rapat Gabungan Dewan Komisaris dan Table: Attendance at the Joint Meeting of the Board of
Direksi Commissioners and Board of Directors
Kehadiran / Attendance Persentase
Nama / Jabatan / (%) /
Name Position Hadir / Percentage
Total
Present (%)
Rudhy Sidharta* Komisaris Utama / President Commissioner 4 4 100%
Dewan Komisaris menjalankan fungsi pengawasannya The Board of Commissioners carries out its supervisory
dengan berpegang kepada Rencana Bisnis Bank (RBB) yang function by adhering to the Bank Business Plan (RBB) which
telah disampaikan dan mendapat persetujuan dari Otoritas has been submitted to and approved by the Financial Services
Jasa Keuangan. Pemantauan dan review dilakukan terhadap Authority. Strategic initiatives carried out by the Board of
inisiatif strategis yang dijalankan oleh Direksi dan menilai Directors are reviewed and monitored for their suitability
kesesuaiannya dengan rencana Bank. Laporan pengawasan with the Bank’s plans. Monitoring reports are submitted
disampaikan secara berkala kepada Pemegang Saham dan periodically to Shareholders and regulators.
regulator.
Berdasarkan POJK No.5/POJK.03/2016 tentang Rencana Based on POJK No.5/POJK.03/2016 on Bank Business Plans,
Bisnis Bank, Dewan Komisaris wajib melaksanakan the Board of Commissioners is obliged to supervise the
pengawasan terhadap pelaksanaan Rencana Bisnis implementation of the Bank’s Business Plan which includes
Bank yang mencakup antara lain kebijakan dan strategi management policies and strategies. The supervision results
manajemen. Hasil pengawasan tersebut dituangkan dalam are included in the Monitoring Report on the Implementation
Laporan Pengawasan Pelaksanaan Rencana Bisnis Bank of the Bank’s Business Plan submitted to the OJK biannually.
yang disampaikan kepada OJK di setiap semester.
344 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Di tahun 2023, Dewan Komisaris telah melaksanakan fungsi In 2023, the Board of Commissioners has carried out its
pengawasannya dan penyampaian saran dan nasihat kepada supervisory function and provided suggestions and advice
Direksi, baik yang dilakukan secara langsung maupun dalam to the Board of Directors, both directly and in the form of
bentuk surat menyurat. Selain itu, Dewan Komisaris juga correspondence. Furthermore, the Board of Commissioners
menyampaikan persetujuan atas rencana yang diajukan also approved the plans proposed by the Board of Directors.
Direksi.
Dewan Komisaris mendukung penyesuaian visi Bank Raya The Board of Commissioners supports the adjustment of
menjadi “Bank Digital Utama yang Memberikan Akses Terluas Bank Raya’s vision to become “The Main Digital Bank Providing
Bagi Masyarakat Segmen Mikro dan Kecil di Indonesia” the Widest Access for the Micro And Small Segments in
dengan model bisnis yang mengutamakan small ticket size Indonesia” with a business model that prioritizes smaller
(smaller), tenor pinjaman jangka pendek (shorter), proses ticket sizes, shorter term loan tenors, simpler and faster
simple dan cepat dengan berbasis digital untuk lending, processes with digital-based for lending, saving and payment
saving, dan payment (faster) namun harus dibarengi dengan but must be accompanied by risk control that can reduce the
pengendalian risiko yang mampu memperkecil terjadinya occurrence of fraud and cyber attacks. To provide support
fraud dan cyber attack. Untuk memberikan pengawalan pada for this vision, reliable technology (big data, security) and
visi tersebut diperlukan teknologi yang handal (big data, GRC (governance, risk and compliance) are needed, which
security) dan GRC (governance, risk and compliance), yang requires Data Analytics support which is then followed by
memerlukan dukungan Data Analytic yang selanjutnya diikuti culture transformation as outlined in the culture activation
dengan culture transformation yang tertuang dalam culture program (CAP).
activation program (CAP).
Selain melalui laporan-laporan yang diterima baik secara Apart from written and verbal reports from the Bank’s
tertulis maupun lisan dari manajemen Bank, Dewan Komisaris management, the Board of Commissioners also carries out
juga melakukan pengawasan dengan menggali informasi supervision by gathering information on on-site conditions
kondisi di lapangan secara langsung melalui kunjungan kerja directly through site visits of the Board of Commissioners to
Dewan Komisaris ke unit kerja Bank Raya seluruh Indonesia. Bank Raya work units throughout Indonesia.
Selain itu, Dewan Komisaris telah membuat dan In addition, the Board of Commissioners has prepared
menyampaikan Laporan Pengawasan Pelaksanaan Rencana and submitted the following Monitoring Report on the
Bisnis Bank sebagai berikut: Implementation of the Bank’s Business Plan:
No Surat / Letter No Tanggal / Date Perihal / Subject
Laporan Pengawasan Dewan Komisaris PT Bank Raya Indonesia Tbk Triwulan I Tahun
17 April 2023 / April 17,
B.59/DK-IV/2023 2023 / Supervisory Report of the Board of Commissioners of PT Bank Raya Indonesia
2023
Tbk Quarter I of 2023
Laporan Pengawasan Dewan Komisaris PT Bank Raya Indonesia Tbk Triwulan II Tahun
31 Juli 2023 / July 31,
B.130/DK-VII/2023 2023 / Supervisory Report of the Board of Commissioners of PT Bank Raya Indonesia
2023
Tbk Quarter II 2023
Laporan Pengawasan Dewan Komisaris PT Bank Raya Indonesia Tbk Semester I Tahun
21 Agustus 2023 /
B.150/DK-VIII/2023 2023 / Supervisory Report of the Board of Commissioners of PT Bank Raya Indonesia
August 21, 2023
Tbk Semester I 2023
Laporan Pengawasan Dewan Komisaris PT Bank Raya Indonesia Tbk Triwulan III Tahun
30 Oktober 2023 /
B.191/DK-X/2023 2023 / Supervisory Report of the Board of Commissioners of PT Bank Raya Indonesia
October 30, 2023
Tbk Quarter III 2023
Laporan Pengawasan Dewan Komisaris PT Bank Raya Indonesia Tbk Semester II Tahun
31 Januari 2024 /
B.26/DK-I/2024 2023 / Supervisory Report of the Board of Commissioners of PT Bank Raya Indonesia
January 31, 2024
Tbk Semester II 2023
Laporan Pengawasan Dewan Komisaris PT Bank Raya Indonesia Tbk Triwulan IV Tahun
29 Januari 2024 /
B.22/DK-I/2024 2023 / Supervisory Report of the Board of Commissioners of PT Bank Raya Indonesia
January 29, 2024
Tbk Quarter IV 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 345
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PENILAIAN KELAYAKAN DAN KEPATUTAN DEWAN BOARD OF COMMISSIONERS FIT AND PROPER TEST
KOMISARIS
Seluruh calon anggota Dewan Komisaris wajib dinyatakan All prospective Board of Commissioners members must
lulus dalam Uji Kemampuan dan Kepatutan (Fit & Proper Test) pass the Fit & Proper Test held by the OJK. Results of the
yang dilakukan oleh OJK. Penilaian kelayakan dan kepatuhan Company’s Board of Commissioners Fit & Proper Test are as
Dewan Komisaris Perusahaan adalah sebagai berikut: follows:
Nama / Jabatan / Keterangan Uji Kemampuan Dan Kepatutan /
Status
Name Position Fit And Proper Test Details
Surat Keputusan Anggota Dewan Komisioner OJK No.KEPR-
Muhamad Sidik Komisaris Utama / Lulus /
128/D.03/2023 Tanggal 10 Oktober 2023 / OJK Board of Commissioners
Heruwibowo President Commissioner Passed
Decree No.KEPR-128/D.03/2023 dated October 10, 2023
Komisaris Independen Surat Keputusan Anggota Dewan Komisioner OJK No Kep.
Lulus /
Eko B. Supriyanto / Independent 110/D.03/2021 tanggal 23 Juli 2021 / OJK Board of Commissioners
Passed
Commissioner Decree No Kep. 110/D.03/2021 dated July 23, 2021
Komisaris Independen Surat Keputusan Anggota Dewan Komisioner OJK No Kep.
Lulus /
Achmad F.C Barir / Independent 108/D.03/2021 tanggal 19 Juli 2021 / OJK Board of Commissioners
Passed
Commissioner Decree No Kep. 108/D.03/2021 dated July 19, 2021
Komisaris Independen Surat Keputusan Anggota Dewan Komisioner OJK No.KEPR-
Lulus /
Retno Wahyuni Wijayanti / Independent 127/D.03/2023 Tanggal 10 Oktober 2023 / OJK Board of Commissioners
Passed
Commissioner Decree No.KEPR-127/D.03/2023 dated October 10, 2023
Pada posisi 31 Desember 2023, sedang dalam proses penilaian
Johanes Kuntjoro Komisaris /
- kemampuan dan kepatutan (fit & proper test) dari OJK / He was in fit &
Adisardjono Commissioner
proper test from the OJK as of December 31, 2023
PENILAIAN KINERJA KOMITE DI BAWAH DEWAN KOMISARIS PERFORMANCE ASSESSMENT OF COMMITTEES UNDER THE
BOARD OF COMMISSIONERS
Dalam menjalankan fungsinya, Dewan Komisaris di bantu In carrying out its functions, the Board of Commissioners is
oleh Komite Audit, Komite Pemantau Risiko dan Komite assisted by the Audit Committee, Risk Monitoring Committee
Remunerasi dan Nominasi. Komite-komite menjalankan and Remuneration and Nomination Committee. The
tugas dan tanggung jawabnya berdasarkan pedoman kerja Committees carry out their duties and responsibilities based
yang dimiliki. on their work guidelines.
Dewan Komisaris melakukan penilaian terhadap kinerja The Board of Commissioners assesses the performance of
Komite di bawahnya berdasarkan kriteria yang telah the Committees based on the criteria set by the Company.
ditetapkan Perusahaan. Kriteria penilaian yang digunakan The assessment criteria used by the Board of Commissioners
Dewan Komisaris antara lain: include:
1. Kehadiran dan keaktifan dalam rapat; 1. Attendance and activeness in meetings;
2. Rekomendasi yang diberikan kepada Dewan Komisaris; 2. Recommendations given to the Board of Commissioners;
3. Pelaporan yang tepat waktu. 3. Timely reporting.
Di tahun 2023, Dewan Komisaris menilai bahwa Komite In 2023, the Board of Commissioners assesses that the Audit
Audit, Komite Pemantau Risiko dan Komite Remunerasi Committee, Risk Monitoring Committee and Remuneration
dan Nominasi telah menjalankan tugasnya dengan baik dan and Nomination Committee have carried out their duties
efektif. Setiap komite telah melakukan pelaporan kegiatan di properly and effectively. Each committee has reported
sepanjang tahun 2023 dengan tepat waktu, dan memberikan activities throughout 2023 in a timely manner, and provided
rekomendasi yang membangun untuk Perusahaan. Di tahun constructive feedback for the Company. In 2023, the
2023, Komite Audit telah melaksanakan rapat sebanyak Audit Committee has held 11 (eleven) meetings, the Risk
11 (sebelas) kali rapat, Komite Pemantau Risiko telah Monitoring Committee has held 19 (nineteen) meetings, and
melaksanakan rapat sebanyak 19 (sembilan belas) kali rapat, the Remuneration and Nomination Committee has held 13
dan Komite Remunerasi dan Nominasi telah melaksanakan (thirteen) meetings.
rapat sebanyak 13 (tiga belas) kali rapat.
346 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Di tahun 2023, program peningkatan kompetensi yang diikuti In 2023, the Company’s Board of Commissioners took part in
oleh Dewan Komisaris Perusahaan adalah sebagai berikut: the following competency development programs:
Jenis Pelatihan / Materi / Tempat dan Waktu / Penyelenggara
Type Of Training Material Place and Time / Organizer
Muhamad Sidik Heruwibowo
Refreshment Sertifikasi Manajemen Risiko Level
Online, 6 Juli 2023 /
Refreshment I-V. / Level IV Risk Management Certification Efektif Pro
Online, July 6, 2023
Refreshment.
Refreshment Manajemen Risiko For BOC. / Risk Online, 25 Mei 2023 /
Refreshment LPPI
Management Refreshment For BOC. Online, May 25, 2023
Orientasi/On boarding / Orientation/On Jakarta, 13 & 21 Juli 2023 /
Executive Overview for BOC LPPI
boarding Jakarta, July 13 & 21, 2023
Yogyakarta, 5-6 Juli 2023
Building Resilience in Tuna World: “Control Your
Training / Yogyakarta, July 5-6, YPIA
Future or Someone Else Will”
2023
Seminar Nasional Internal Audit / Bali, 6-7 Desember 2023 /
“Trusted Advisor: Navigating The New Frontier” YPIA
National Internal Audit Seminar Bali, December 6-7, 2023
In House Training Dewan Direksi &
Refreshment Program APU-PPT & PPPSPM, P2SK & Online, 27 Desember 2023
Dewan Komisaris / In House Training Genesisi Inti
Tata Kelola / Refreshment of AML-CFT & PPPSPM, / Online, December 27,
for the Board of Directors & Board of Utama
P2SK & Governance Programs 2023
Commissioners
In House Training Dewan Direksi &
Online, 29 Desember 2023
Dewan Komisaris / In House Training POJK IT, UU P2SK, dan Perbankan Digital / POJK IT, Genesisi Inti
/ Online, December 29,
for the Board of Directors & Board of P2SK Law, and Digital Banking Utama
2023
Commissioners
Eko B. Supriyanto
Yogyakarta, 14-15
Konferensi Nasional / National Navigating Country Risko for Sustainable Growth: Desember 2023 /
LSPMR
Conference Opprtunities and Challenges Yogyakarta, December 14-
15, 2023
Jakarta, 27 Desember
Refreshment Manajemen Risiko Jenjang 6 / Level 6
Refreshment 2023 / Jakarta, December LPPI
Risk Management Refreshment
27, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 347
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
KOMISARIS INDEPENDEN
Independent Commissioner
Komisaris Independen adalah anggota Dewan Komisaris Independent Commissioners are Board of Commissioner
yang tidak memiliki hubungan keuangan, kepengurusan, members with no financial, management, share ownership
kepemilikan saham dan/atau hubungan keluarga dengan and/or family relationships with Board of Directors members,
anggota Direksi, anggota Dewan Komisaris lain dan/atau other Board of Commissioner members and/or Controlling
Pemegang Saham Pengendali, atau hubungan dengan Bank Shareholders, or relationships with the Bank that could
yang dapat mempengaruhi kemampuan yang bersangkutan affect their ability to act independently.
untuk bertindak independen.
Berdasarkan POJK No. 55/POJK.03/2016, Dewan Komisaris Based on POJK No. 55/POJK.03/2016, the Board of
wajib terdiri dari Komisaris Independen dan Komisaris Non Commissioners must consist of Independent Commissioners
Independen, Komisaris Independen wajib paling sedikit and Non-Independent Commissioners, Independent
berjumlah 50% (lima puluh persen) dari jumlah anggota Commissioners must be at least 50% (fifty percent) of the
Dewan Komisaris. Di tahun 2023, Bank Raya memiliki total Board of Commissioner members. In 2023, Bank Raya
sebanyak 3 (tiga) orang Komisaris Independen dari 5 (lima) had 3 (three) Independent Commissioners out of the total 5
orang keseluruhan anggota Dewan Komisaris. (five) Board of Commissioner members.
348 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 349
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
DIREKSI
Board of Directors
Berdasarkan Undang-Undang No.40 tahun 2007 tentang Based on Law No. 40 of 2007 on Limited Liability Companies,
Perseroan Terbatas, Direksi adalah Organ Perseroan yang the Board of Directors is a Company Organ with authority and
berwenang dan bertanggung jawab penuh atas pengurusan full responsibility to manage the Company for the interests
Perseroan untuk kepentingan Perseroan, sesuai dengan of the Company, in accordance with the Company’s aims
maksud dan tujuan Perseroan serta mewakili Perseroan, baik and objectives and represent the Company, both inside
di dalam maupun di luar pengadilan sesuai dengan ketentuan and outside the court in accordance with the articles of
anggaran dasar. association.
350 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PROGRAM ORIENTASI BAGI DIREKSI BARU ORIENTATION PROGRAM FOR NEW DIRECTORS
Perusahaan memiliki program orientasi terhadap Direksi The Company has an orientation program for new Directors.
baru. Program orientasi ini bertujuan untuk memberikan This orientation program aims to provide knowledge about the
pengetahuan mengenai Perseroan, agar dapat memahami Company in understanding their duties and responsibilities
tugas dan tanggung jawab sebagai Direktur, proses bisnis as a Director, the Company’s business processes, and work in
Perseroan, serta dapat bekerja selaras dengan organ harmony with other Company organs.
Perseroan lainnya.
Program orientasi Direksi disusun berdasarkan kebijakan dan The Board of Directors orientation program is prepared
pedoman kerja Direksi. Program tersebut berkaitan dengan based on the Board of Directors policies and work guidelines
informasi sebagai berikut: with the following information:
1. Pelaksanaan prinsip-prinsip GCG dalam Perusahaan; 1. Implementation of GCG principles within the Company;
2. Visi, misi, strategi, risiko, posisi kompetitif, kinerja 2. Vision, mission, strategy, risks, competitive position,
keuangan dan operasional; financial and operational performance;
3. Kewenangan Komite, audit Internal dan eksternal dan 3. Authorities of committee, internal and external audit and
sistem pengendalian internal; internal control system;
4. Serta hal-hal penting lainnya yang dapat diberikan berupa 4. Other important matters that can be provided in the form
presentasi, pertemuan, kunjungan ke Perusahaan dan of presentations, meetings, company visits and review of
pengkajian dokumen atau program lainnya. documents or other programs.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 351
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
352 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
6) Menghapus bukukan piutang macet dengan 6) Write off bad debts with the provisions as stipulated
ketentuan sebagaimana diatur dalam Surat in the Decree and which are then reported to the
Keputusan dan yang selanjutnya dilaporkan kepada Board of Commissioners, to be further reported and
Dewan Komisaris, untuk selanjutnya dilaporkan dan accounted for in the Annual Report;
dipertanggungjawabkan dalam Laporan Tahunan;
7) Tidak menagih lagi piutang bunga, denda, ongkos, 7) Not collect interest receivables, fines, fees and other
dan piutang lainnya di luar pokok yang dilakukan receivables beyond the principal amount carried out
dalam rangka restrukturisasi dan/atau penyelesaian in the context of restructuring and/or receivable
piutang serta perbuatan-perbuatan lain dalam rangka settlement as well as other actions to settle the
penyelesaian piutang Perusahaan, dengan kewajiban Company’s receivables, with mandatory reporting to
melaporkan kepada Dewan Komisaris yang ketentuan the Board of Commissioners in which the reporting
dan tata cara pelaporannya ditetapkan oleh Dewan provisions and procedures are determined by the
Komisaris; Board of Commissioners;
8) Melakukan segala tindakan dan perbuatan lainnya 8) Take all actions and other actions regarding the
mengenai pengurusan maupun pemilikan kekayaan management and ownership of the Company’s
Perusahaan, mengikat Perusahaan dengan pihak assets, binding the Company with other parties and/
lain dan/atau pihak lain dengan Perusahaan, serta or other parties with the Company, and representing
mewakili Perusahaan di dalam dan di luar pengadilan the Company inside and outside the court regarding
tentang segala hal dan segala kejadian, dengan all matters and all events in accordance with the laws,
pembatasan-pembatasan sebagaimana diatur dalam Articles of Association and/or GMS Resolutions.
peraturan perundang-undangan, Anggaran Dasar
dan/atau Keputusan RUPS.
c. Direktur Utama berhak dan berwenang bertindak untuk c. The President Director has the right and authority to act
dan atas nama Direksi serta mewakili perusahaan. Dalam for and on behalf of the Board of Directors and represent
hal Direktur Utama tidak hadir atau berhalangan karena the Company. In the event that the President Director is
sebab apapun juga, hal mana tidak perlu dibuktikan absent for any reason, which does not need to be proven
kepada pihak ketiga, maka salah seorang anggota Direksi to a third party, a Board of Directors member has the
lainnya berhak dan berwenang bertindak untuk dan atas right and authority to act for and on behalf of the Board of
nama Direksi serta mewakili Perusahaan; Directors and represent the Company;
d. Dalam rangka pengendalian umum, Direksi bertanggung d. In terms of general control, the Board of Directors is
jawab menciptakan struktur pengendalian intern (Audit responsible for creating an internal control structure
Intern, Manajemen Risiko dan Komite Manajemen Risiko, (Internal Audit, Risk Management and Risk Management
unit kerja Kepatuhan), menjamin terlaksananya fungsi Committee, Compliance work unit), ensuring the
audit intern dalam setiap tingkatan manajemen dan implementation of the internal audit function at every
menindaklanjuti temuan audit sesuai dengan kebijakan level of management and following up on audit findings
dan pengarahan yang diberikan oleh Dewan Komisaris, in accordance with the policies and directions provided
temuan pengawas Otoritas Jasa Keuangan dan/atau hasil by the Board Commissioner, findings of the Financial
pengawasan otoritas lain; Services Authority supervisor and/or results of
supervision by other authorities;
e. Direksi dengan tidak mengurangi tanggung jawabnya e. The Board of Directors, without prejudice to their
berhak untuk mengangkat seorang atau lebih sebagai responsibilities, has the right to appoint one or more
kuasanya dengan memberikan kepada mereka wewenang people as their proxies by authorizing them to carry out
untuk melakukan tindakan-tindakan tertentu dengan certain actions by issuing special power of attorney.
cara mengeluarkan surat kuasa khusus. Wewenang Such authority must be exercised in accordance with the
demikian harus dilaksanakan sesuai dengan Anggaran Company’s Articles of Association;
Dasar Perusahaan;
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 353
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
f. Pembagian Tugas dan Wewenang setiap anggota Direksi f. The distribution of duties and authorities of each Board of
ditetapkan oleh Rapat Umum Pemegang Saham. Dalam Directors member is determined by the General Meeting
hal Rapat Umum Pemegang Saham tidak menetapkan of Shareholders. In the event that the General Meeting
pembagian tugas dan wewenang tersebut, maka of Shareholders does not determine the division of
pembagian tugas dan wewenang diantara Direksi duties and authority, the division of duties and authority
ditetapkan berdasarkan keputusan Direksi; among the Board of Directors is determined based on the
decision of the Board of Directors;
g. Untuk melakukan perbuatan hukum berupa transaksi g. Take legal actions for transactions with conflict of
yang memuat benturan kepentingan antara kepentingan interest between the personal economic interests
ekonomis pribadi anggota Direksi, Komisaris atau of Board of Directors members, Commissioners or
Pemegang Saham Pengendali dengan kepentingan Controlling Shareholders and the Company’s economic
ekonomis Perusahaan, Direksi memerlukan persetujuan interests, the Board of Directors requires approval
Rapat Umum Pemegang Saham berdasarkan suara from the General Meeting of Shareholders based on the
terbanyak dari pemegang saham yang tidak mempunyai majority vote of shareholders with no conflict of interest;
benturan kepentingan;
h. Dalam hal Perusahaan mempunyai kepentingan yang h. In the event that the Company has interests that conflict
bertentangan dengan kepentingan pribadi seorang with the personal interests of a Board of Directors
anggota Direksi, maka Perseroan diwakili oleh Direksi member, then the Company is represented by another
yang lainnya, dalam hal Perusahaan mempunyai Director, in the event that the Company has interests that
kepentingan yang bertentangan dengan seluruh anggota conflict with all Board of Directors members, then the
Direksi, maka dalam hal ini Perseroan diwakili oleh Dewan Company is represented by the Board of Commissioners,
Komisaris, dengan tetap memperhatikan undang-undang while still observing the applicable laws;
yang berlaku;
i. Dalam hal hanya ada seorang anggota Direksi, maka i. In the event that there is only one Board of Directors
segala tugas dan wewenang yang diberikan kepada member, all duties and authorities given to the President
Direktur Utama atau anggota Direksi dalam Pedoman Director or Board of Directors members in this Board
Tata Kerja ini berlaku baginya; Manual are applied to the person concerned;
j. Wajib mempertanggungjawabkan pelaksanaan tugasnya j. Must be accountable for the implementation of their
kepada pemegang saham melalui Rapat Umum Pemegang duties to shareholders through the General Meeting of
Saham; Shareholders;
k. Wajib mengungkapkan kepada pegawai kebijakan Bank k. Must disclose to employees strategic Bank policies in the
yang bersifat strategis di bidang kepegawaian; field of personnel;
l. Setiap anggota Direksi bertanggung jawab secara l. Each Board of Directors member is jointly responsible for
tanggung renteng atas kerugian Perusahaan yang losses to the Company caused by errors or negligence of
disebabkan oleh kesalahan atau kelalaian anggota Direksi Board of Directors members in carrying out their duties;
dalam menjalankan tugasnya;
m. Anggota Direksi tidak dapat dipertanggungjawabkan atas m. Members of the Board of Directors cannot be held
Perseroan apabila dapat membuktikan: responsible for the Company if they can prove that:
1) Kerugian tersebut bukan karena kesalahan atau 1) The loss was not their fault or negligence;
kelalaiannya;
2) Telah melakukan pengurusan dengan itikad baik, 2) They have carried out management in good faith, full
penuh tanggung jawab, dan kehati-hatian untuk responsibility, and prudence for the benefit and in
kepentingan dan sesuai dengan maksud dan tujuan accordance with the aims and objectives of the Issuer
Emiten atau Perusahaan Publik; or Public Company;
354 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
n. Wajib menyusun kebijakan Remunerasi yang paling n. Must prepare Remuneration policy that at least contains:
sedikit memuat:
a. Skala Remunerasi berdasarkan tingkat dan jabatan; a. Remuneration Scale based on level and position;
b. Metode dan mekanisme penetapan Remunerasi. b. Methods and mechanisms for determining
Remuneration.
o. Wajib menyampaikan informasi kepada Otoritas Jasa o. Must submit information to the Financial Services
Keuangan dan Bursa Efek atas kepemilikan dan setiap Authority and Stock Exchange regarding ownership and
perubahan kepemilikannya atas saham Perusahaan any changes in ownership of Public Company shares;
Terbuka;
p. Wajib menciptakan dan memelihara Sistem Pengendalian p. Must create and maintain an effective Internal Control
Intern yang efektif serta memastikan bahwa sistem System and ensure that the system is safe and reliable in
tersebut berjalan secara aman dan andal sesuai dengan accordance with the internal control objectives set by the
tujuan pengendalian intern yang ditetapkan oleh Bank; Bank;
q. Wajib menerapkan prinsip-prinsip Tata Kelola yang baik q. Must apply the principles of good corporate governance
dalam setiap kegiatan usaha Bank pada seluruh tingkatan in every Bank business activity at all levels or levels of the
atau jenjang organisasi; organization;
r. Wajib menindaklanjuti temuan audit dan rekomendasi r. Must follow up on audit findings and recommendations
dari satuan kerja audit intern Bank, auditor ekstern, hasil from the Bank’s internal audit work unit, external auditors,
pengawasan Otoritas Jasa Keuangan dan/atau hasil results of supervision by the Financial Services Authority
pengawasan otoritas lain; and/or results of supervision by other authorities;
s. Wajib menyediakan data dan informasi yang akurat, s. Must provide accurate, relevant and timely data and
relevan, dan tepat waktu kepada Dewan Komisaris; information to the Board of Commissioners;
t. Wajib melaksanakan tugas dan tanggung jawab terkait t. Must carry out duties and responsibilities related to the
dengan penerapan Manajemen Risiko sesuai dengan implementation of Risk Management in accordance with
ketentuan yang berlaku; applicable regulations;
u. Wajib menumbuhkan dan mewujudkan terlaksananya c. Must foster and realize the implementation of a
Budaya Kepatuhan pada semua tingkatan organisasi dan Compliance Culture at all levels of the Bank’s organization
kegiatan usaha Bank serta memastikan terlaksananya and business activities and ensure the implementation of
Fungsi Kepatuhan Bank; the Bank’s Compliance Function;
v. Wajib mengungkapkan remunerasi dan fasilitas lain v. Must disclose remuneration and other facilities
sesuai dengan ketentuan yang berlaku pada laporan in accordance with applicable provisions in the
pelaksanaan tata kelola dengan mengacu pada Peraturan governance implementation report with reference to
Otoritas Jasa Keuangan mengenai Penerapan Tata Kelola the Financial Services Authority Regulations regarding
dalam Pemberian Remunerasi bagi Bank Umum; the Implementation of Governance in Providing
Remuneration for Commercial Banks;
w. Melaksanakan tugas dan wewenang lainnya sebagaimana w. Carry out other duties and authorities as determined by
ditetapkan oleh ketentuan perundang-undangan yang applicable statutory provisions.
berlaku.
Kewajiban Obligation
a. Mengusahakan dan menjamin terlaksanakannya usaha a. Seek and guarantee the implementation of the Company’s
dan kegiatan Perusahaan sesuai dengan maksud dan business and activities in accordance with its aims and
tujuan serta kegiatan usahanya; objectives and business activities;
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 355
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
b. Menyiapkan pada waktunya Rencana Jangka b. Prepare the Company’s Long-Term Plan, Business Plan,
Panjang Perusahaan, Rencana Bisnis, Rencana Kerja Work Plan and Company Budget and any amendments
dan Anggaran Perusahaan dan perubahannya dan thereto and submit to the Board of Commissioners;
menyampaikan kepada Dewan Komisaris;
c. Membuat Daftar Pemegang Saham, Daftar Khusus, c. Draw up Shareholder Register, Special Register, Minutes
Risalah RUPS dan Risalah Rapat Direksi; of GMS and Minutes of Board of Directors’ Meetings;
d. Membuat Laporan Tahunan yang antara lain berisi d. Prepare Annual Report which, among other, contains
Laporan Keuangan, sebagai wujud pertanggungjawaban Financial Statements, as a form of accountability for
pengurusan Perusahaan, serta dokumen keuangan Company management, as well as Company financial
Perusahaan sebagaimana dimaksud dalam Undang- documents in accordance with the Laws on Company
Undang tentang Dokumen Perusahaan; Documents;
e. Menyusun Laporan Keuangan dalam butir d berdasarkan e. Prepare the Financial Statements in point d based on
Standar Akuntansi Keuangan dan menyerahkan kepada Financial Accounting Standards, followed by submission
Akuntan Publik untuk di audit; to the Public Accountant for auditing;
f. Menyampaikan Laporan Tahunan setelah ditelaah oleh f. Submit the Annual Report after being reviewed by the
Dewan Komisaris dalam jangka waktu paling lambat Board of Commissioners no later than 5 (five) months
5 (lima) bulan setelah tahun buku Perseroan berakhir after the end of the Company’s fiscal year to the GMS for
kepada RUPS untuk disetujui dan disahkan; approval and ratification;
g. Memberikan penjelasan kepada RUPS mengenai Laporan g. Provide explanations to the GMS regarding the Annual
Tahunan; Report;
h. Menyampaikan Neraca dan Laporan Laba Rugi yang telah h. Deliver the Balance Sheet and Statements of Profit and
disahkan oleh RUPS kepada Menteri yang membidangi Loss approved by the GMS to the Minister in charge of
Hukum sesuai dengan ketentuan Peraturan Perundang- Law in accordance with the provisions of the Legislative
undangan; Regulations;
i. Menyusun laporan lainnya yang diwajibkan oleh ketentuan i. Prepare other reports required by statutory provisions;
perundang-undangan;
j. Memelihara Daftar Pemegang Saham, Daftar Khusus, j. Maintain the Shareholders Register, Special Register,
Risalah RUPS, Risalah Rapat Dewan Komisaris dan Risalah Minutes of GMS, Minutes of Board of Commissioners
Rapat Direksi, Laporan Tahunan dan dokumen keuangan Meetings and Minutes of Board of Directors Meetings,
Perusahaan sebagaimana dimaksud dalam butir d dan e Annual Report and Company financial documents
dan dokumen Perusahaan lainnya; as referred to in points d and e and other Company
documents;
k. Menyimpan di tempat kedudukan Perseroan Daftar k. Keep the Shareholders Register, Special Register,
Pemegang Saham, Daftar Khusus, Risalah RUPS, Risalah Minutes of GMS, Minutes of Board of Commissioners
Rapat Dewan Komisaris dan Risalah Rapat Direksi, Meetings and Board of Directors Meetings, Annual
Laporan Tahunan dan dokumen keuangan serta dokumen Reports and financial documents and other Company
Perusahaan lainnya; documents at the Company’s domain;
l. Mengadakan dan memelihara pembukuan dan l. Organize and maintain Company bookkeeping and
administrasi Perusahaan sesuai dengan kelaziman yang administration in accordance with the norms applicable
berlaku bagi suatu Perusahaan; to a company;
m. Menyusun sistem akuntansi sesuai dengan Standar m. Develop an accounting system in accordance with
Akuntansi Keuangan dan berdasarkan prinsip-prinsip Financial Accounting Standards and based on the
pengendalian intern, terutama fungsi pengurusan, principles of internal control, especially the functions of
pencatatan, penyimpanan dan pengawasan; management, recording, storage and supervision;
356 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
n. Memberikan laporan berkala menurut cara dan waktu n. Provide periodic reports according to the method and
sesuai dengan ketentuan yang berlaku, serta laporan time in accordance with applicable regulations, as well
lainnya setiap kali diminta oleh Dewan Komisaris dan/ atau as other reports whenever requested by the Board
Pemegang Saham Pengendali, dengan memperhatikan of Commissioners and/or Controlling Shareholders,
peraturan perundang-undangan khususnya peraturan di taking into account the applicable laws and regulations,
bidang Pasar Modal yang berlaku; especially regulations in the Capital Market sector;
o. Menyiapkan susunan organisasi Perusahaan lengkap o. Prepare the Company’s organizational structure complete
dengan perincian tugasnya; with details of its duties;
p. Memberikan penjelasan tentang segala hal yang p. Provide explanations regarding all matters asked or
ditanyakan atau yang diminta anggota Dewan requested by Board of Commissioner members and
Komisaris dan Pemegang Saham Pengendali, dengan Controlling Shareholders, taking into account statutory
memperhatikan peraturan perundang-undangan regulations, especially applicable regulations in the
khususnya peraturan di bidang perbankan yang berlaku; banking sector;
q. Merencanakan, menyiapkan, menetapkan, memutuskan, q. Plan, prepare, determine, decide, manage and control the
mengelola dan mengendalikan kebijakan kepengurusan Company’s management policies guided by the policies
Perseroan dengan berpedoman pada kebijakan yang established from time to time by the Company’s Parent
dari waktu ke waktu ditetapkan oleh Perusahaan Induk Company and applicable laws and regulations;
dari Perseroan dan peraturan perundang-undangan yang
berlaku;
r. Menjalankan kewajiban-kewajiban lainnya sesuai dengan r. Carry out other obligations in accordance with the
ketentuan yang diatur dalam Anggaran Dasar Perusahaan provisions stipulated in the Company’s Articles of
yang ditetapkan oleh RUPS berdasarkan peraturan Association as determined by the GMS based on statutory
perundang-undangan. regulations.
Wewenang Authorities
a. Menetapkan kebijakan yang dipandang tepat dalam a. Issue necessary policies for the management of the
kepengurusan Perusahaan; Company;
b. Mengatur penyerahan kekuasaan Direksi untuk mewakili b. Regulate the transfer of the powers of the Board of
Perseroan di dalam dan di luar Pengadilan kepada Directors to represent the Company inside and outside
seorang atau beberapa orang yang khusus ditunjuk untuk the Court to one or several people specifically appointed
itu, termasuk pekerja Perusahaan, baik sendiri-sendiri for this purpose, including Company employees, either
maupun bersama-sama atau kepada orang dan/atau individually or jointly or to other people and/or bodies;
badan lain;
c. Mengatur ketentuan-ketentuan tentang karyawan/ c. Regulate provisions regarding Company employees/
pekerja Perusahaan, termasuk penetapan gaji, pensiun workers, including determining salaries, pension plan
atau jaminan hari tua dan penghasilan lain bagi karyawan/ and other income for Company employees/workers
pekerja Perseroan berdasarkan peraturan perundang- based on applicable laws and regulations, with provisions
undangan yang berlaku, dengan ketentuan penetapan for determining salaries, pension plan, and other income
gaji, pensiun atau jaminan hari tua dan penghasilan lain for employees/workers who exceed the obligations
bagi karyawan/pekerja yang melampaui kewajiban yang stipulated in statutory regulations must obtain prior
ditetapkan dalam peraturan perundang-undangan, harus approval from the GMS;
mendapat persetujuan terlebih dahulu dari RUPS;
d. Mengangkat dan memberhentikan karyawan/pekerja d. Appoint and dismiss Company employees/workers based
Perusahaan berdasarkan peraturan ketenagakerjaan dan on labor regulations and applicable laws and regulations;
peraturan perundang-undangan yang berlaku;
e. Mengangkat dan memberhentikan Sekretaris Perusahaan e. Appoint and dismiss the Corporate Secretary and Head of
dan Kepala Satuan Kerja Audit Intern dengan persetujuan the Internal Audit Work Unit with approval from the Board
Dewan Komisaris; of Commissioners;
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 357
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
f. Menghapus bukukan piutang macet dengan ketentuan f. Write off bad debts with the provisions as stipulated in
sebagaimana diatur dalam Anggaran Dasar Perseroan dan the Company’s Articles of Association and which are then
yang selanjutnya dilaporkan kepada Dewan Komisaris, reported to the Board of Commissioners, to be further
untuk selanjutnya dilaporkan dan dipertanggungjawabkan reported and accounted for in the Annual Report;
dalam Laporan Tahunan;
g. Tidak menagih lagi piutang bunga, denda, ongkos dan g. Not collect more receivables for interest, fines, fees and
piutang lainnya diluar pokok yang dilakukan dalam rangka other receivables beyond the principal amount carried
restrukturisasi dan/atau penyelesaian piutang Perseroan, out in the context of restructuring and/or settling the
dengan kewajiban melaporkan kepada Dewan Komisaris Company’s receivables, with the obligation to report to
yang ketentuan dan tata cara pelaporannya ditetapkan the Board of Commissioners whose reporting provisions
oleh Dewan Komisaris; and procedures are determined by the Board of
Commissioners;
h. Melakukan segala tindakan dan perbuatan lainnya h. Carry out all actions and other actions regarding the
mengenai pengurusan maupun pemilikan kekayaan management and ownership of the Company’s assets,
Perusahaan, mengikat Perusahaan dengan pihak lain binding the Company with other parties and/or other
dan/atau pihak lain dengan Perusahaan, serta mewakili parties with the Company, and representing the Company
Perseroan di dalam dan di luar pengadilan tentang segala inside and outside the court regarding all matters
hal dan segala kejadian, dengan pembatasan-pembatasan and all events in accordance with the laws, Articles of
sebagaimana diatur dalam peraturan perundang- Association and/or GMS Resolutions.
undangan, Anggaran Dasar dan/atau Keputusan RUPS.
PEMBAGIAN TUGAS DAN TANGGUNG JAWAB MASING- DISTRIBUTION OF DUTIES AND RESPONSIBILITIES OF EACH
MASING DIREKSI DIRECTOR
Berdasarkan keputusan RUPS, dan Surat Edaran Direksi Based on the GMS resolution, and Board of Directors Circular
No.SE : B.34/DIR.02.03/ PCP/12/2022 tanggal 6 Desember Letter No.SE: B.34/DIR.02.03/ PCP/12/2022 dated December
2022, pembagian tugas dan tanggung jawab masing-masing 6, 2022, the distribution of duties and responsibilities of each
Direksi adalah sebagai berikut: Director is as follows:
Jabatan / Position Pembagian Tugas dan Tanggung Jawab Distribution of Duties and Responsibilities
Direktur Utama / 1. Meningkatkan prudential banking, agar dalam kegiatan bank 1. Improving prudential banking so that bank activities always
President Director senantiasa berpedoman kepada Standar operasional dan refer to operational standards and procedures (SOP),
prosedur (SOP), kepatuhan dan manajemen risiko; compliance and risk management;
2. Menyusun perencanaan dan konsep-konsep strategi 2. Developing plans and strategic concepts for achieving
pencapaian sasaran-sasaran bisnis sesuai dengan business targets in accordance with the budget planning
perencanaan anggaran yang telah ditetapkan dalam rapat that has been determined at the annual work meeting and
kerja tahunan serta melakukan evaluasi berkala atas carry out periodic evaluations of the achievement of business
pencapaian sasaran bisnis; targets;
3. Meningkatkan citra dan kinerja bank yang diperlihatkan 3. Improving the bank’s image and performance as demonstrated
oleh neraca dan bank profitability (income statement) yang by an optimum balance sheet and bank profitability (income
optimum dengan pencapaian tingkat kesehatan bank kategori statement) by achieving a Risk-Based Bank Rating in the
“sehat tanpa syarat” berdasarkan hasil pemeriksaan tahunan “unconditionally sound” category based on the results of the
Otoritas Jasa Keuangan pada tahun yang bersangkutan; Financial Services Authority’s annual inspection in the year
concerned;
4. Meningkatkan kualitas sumber daya manusia melalui 4. Improving the quality of human resources through structured
pendidikan dan latihan yang terstruktur sesuai dengan tingkat education and training according to the level of needs of each
kebutuhan setiap unit kerja yang ada di bawahnya; work unit under it;
5. Mengkoordinasi dan memantau pelaksanaan satuan kerja 5. Coordinating and monitoring the implementation of work
dibawah supervisi Direktorat Utama Komite Pengarah units under the supervision of the Main Directorate of the
Teknologi Informasi (IT Steering Committe); Information Technology Steering Committee;
6. Meningkatkan image pelayanan bank melalui penciptaan 6. Improving the image of bank services through the creation of
produk digital banking dan produk dana pihak ketiga (DPK); digital banking products and third-party fund (DPK) products;
7. Melaksanakan tugas lainnya sesuai dengan ketentuan yang 7. Carry out other duties in accordance with applicable
berlaku. regulations.
358 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Jabatan / Position Pembagian Tugas dan Tanggung Jawab Distribution of Duties and Responsibilities
Direktur Retail Agri dan 1. Melaksanakan prudential banking agar dalam kegiatan bank 1. Implementing prudential banking so that bank activities
Pendanaan / Director senantiasa berpedoman kepada Standar Operasional dan always refer to Operational Standards and Procedures (SOP),
of Retail Agri and Prosedur (SOP), Kepatuhan dan Manajemen Risiko; Compliance and Risk Management;
Funding 2. Menyusun perencanaan dan konsep-konsep strategi 2. Developing plans and strategic concepts for achieving
pencapaian sasaran-sasaran kerja sesuai dengan work targets in accordance with the budget planning of
perencanaan anggaran Direktorat Retail Agri dan Pendanaan the Directorate of Agri Retail and Funding which has been
yang telah ditetapkan dalam rapat kerja tahunan; determined at the annual work meeting;
3. Meningkatkan image bank melalui penciptaan strategi 3. Improving the bank’s image through creating innovative,
pemasaran yang inovatif, efektif dan efisien serta menentukan effective and efficient marketing strategies and determining
segmentasi pasar kredit; credit market segmentation;
4. Meningkatkan hubungan baik dengan nasabah utama (Captive) 4. Improving good relationships with main customers (Captive)
dan menciptakan nasabah baru (menambah customer base), and increasing customer base on agribusiness and other
baik agribisnis maupun sektor potensial lainnya; potential sectors;
5. Menjaga dan meningkatkan hubungan baik dengan lembaga- 5. Maintaining and improving strong rapport with institutions
lembaga yang berkaitan erat dengan kredit dan pendanaan; closely related to loans and funding;
6. Meningkatkan optimalisasi recovery dan remedi Perusahaan; 6. Improving the optimization of the Company’s recovery and
remedies;
7. Meningkatkan pembinaan dan penyelesaian atas kredit-kredit 7. Improving guidance and resolution of non-performing loans to
bermasalah agar tingkat kesehatan Bank tetap terjaga; maintain Risk-Based Bank Rating.
8. Meningkatkan tertib administrasi, khususnya dalam 8. Improving administrative order, especially in relation to
hubungannya dengan Perkreditan agar tercipta pengelolaan lending, to create bank management based on prudential
Bank dengan prinsip kehatihatian atau prudential banking; banking principles;
9. Mengarahkan dan melakukan koordinasi kegiatan analisis 9. Directing and coordinating legacy and digital credit risk
risiko kredit legacy dan digital dalam upaya pengembangan analysis activities in business development efforts that meet
bisnis yang memenuhi kriteria risiko yang dapat diterima di acceptable risk criteria at Bank Raya
Bank Raya
10. Meningkatkan image pelayanan bank melalui penciptaan 10. Improving the image of bank services through the creation
program inovatif, produk retail agri dan produk pendanaan of innovative programs, agri retail products and funding
(DPK); products (DPK);
11. Meningkatkan kualitas sumber daya manusia melalui 11. Improving the quality of human capital through structured
pendidikan dan latihan yang terstruktur sesuai dengan tingkat education and training according to the level of needs of each
kebutuhan setiap unit kerja yang ada di bawahnya; work unit under it;
12. Mengkoordinasi dan memantau pelaksanaan satuan kerja di 12. Coordinating and monitoring the implementation of work
bawah supervisi Direktorat Retail Agri dan Pendanaan serta units under the supervision of the Directorate of Agri Retail
Komite Kredit; and Funding and the Credit Committee;
13. Melaksanakan tugas lainnya sesuai dengan ketentuan yang 13. Carrying out other duties in accordance with applicable
berlaku regulations
Direktur Digital 1. Melaksanakan prudential banking agar dalam kegiatan bank 1. Implementing prudential banking so that bank activities
dan Operasional / senantiasa berpedoman kepada Standar Operasional dan always refer to Operational Standards and Procedures (SOP),
Director of Digital and Prosedur (SOP), Kepatuhan dan Manajemen Risiko; Compliance and Risk Management;
Operations 2. Menyusun perencanaan dan konsep-konsep strategi 2. Developing plans and strategic concepts for achieving
pencapaian sasaran-sasaran kerja sesuai dengan work targets in accordance with the Digital & Operations
perencanaan anggaran Direktorat Digital & Operasional yang Directorate budget planning that has been determined at the
telah ditetapkan dalam rapat kerja tahunan; annual work meeting;
3. Meningkatkan image produk melalui penciptaan strategi 3. Improving product image through creating innovative,
pemasaran digital banking yang inovatif, efektif dan efisien effective and efficient digital banking marketing strategies
serta menentukan segmentasi pasar kredit; and determining credit market segmentation;
4. Meningkatkan hubungan baik dengan nasabah utama (Captive) 4. Improving strong rapport with main customers (Captive)
dan menciptakan nasabah baru (menambah customer base), and increasing customer base in the gig economy and other
baik gig economy maupun sektor potensial lainnya; potential sectors;
5. Menjaga dan meningkatkan hubungan baik dengan lembaga- 5. Maintaining and improving strong rapport with institutions
lembaga yang berkaitan erat dengan kredit dan pendanaan; closely related to loans and funding;
6. Menyusun dan menganalisa potensi bisnis serta memberikan 6. Develop and analyze business potential and provide support
support kepada Unit Kerja Operasional untuk pencapaian to the Operational Work Unit to achieve loans and funds
kredit dan dana termasuk evaluasi dan monitoring; including evaluation and monitoring;
7. Meningkatkan availability dan reliability, operational 7. Increasing availability and reliability, operational excellence to
excellence untuk mendukung aktivitas operasional Bank; support the Bank’s operational activities;
8. Meningkatkan image layanan Bank dan Customer Excellence 8. Improve the Bank’s service image and Customer Excellence in
yang sesuai dengan standar layanan Operasional di Unit Kerja; accordance with Operational service standards in Work Units;
9. Meningkatkan kualitas sumber daya manusia melalui 9. Improving the quality of human resources through structured
pendidikan dan latihan yang terstruktur sesuai dengan tingkat education and training according to the level of needs of each
kebutuhan setiap unit kerja yang ada di bawahnya; work unit under it;
10. Mengkoordinasi dan memantau pelaksanaan satuan kerja di 10. Coordinating and monitoring the implementation of work
bawah supervisi Direktorat Digital & Operasional serta Komite units under the supervision of the Digital & Operations
Kredit; Directorate and the Credit Committee;
11. Melaksanakan tugas lainnya sesuai dengan ketentuan yang 11. Carry out other duties in accordance with applicable
berlaku regulations
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 359
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jabatan / Position Pembagian Tugas dan Tanggung Jawab Distribution of Duties and Responsibilities
Direktur Enterprise 1. Menyusun perencanaan dan konsep-konsep strategi 1. Developing plans and strategic concepts for achieving
Risk Management, pencapaian sasaran-sasaran kerja sesuai dengan work targets in accordance with the budget planning of the
Compliance & Human perencanaan anggaran Direktorat Enterprise Risk Directorate of Enterprise Risk Management, Compliance &
Resource / Director Management, Compliance & Human Resource; Human Resources;
of Enterprise Risk 2. Merumuskan strategi guna mendorong terciptanya Budaya 2. Formulating strategies to encourage the creation of a Bank
Management, Kepatuhan Bank; Compliance Culture;
Compliance & Human 3. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip 3. Proposing compliance policies or compliance principles to be
Resources kepatuhan yang akan ditetapkan oleh Direksi; determined by the Board of Directors;
4. Menetapkan sistem dan prosedur kepatuhan yang digunakan 4. Establishing compliance systems and procedures used to
untuk menyusun ketentuan dan pedoman internal Bank; develop Bank internal regulations and guidelines;
5. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, 5. Ensuring all policies, provisions, systems and procedures,
dan prosedur, serta kegiatan usaha yang dilakukan Bank as well as business activities carried out by the Bank are in
telah sesuai dengan ketentuan Otoritas Jasa Keuangan dan accordance with the provisions of the Financial Services
ketentuan peraturan perundang-undangan, berlaku; Authority and applicable laws and regulations;
6. Meminimalkan Risiko Kepatuhan Bank; 6. Minimizing Bank Compliance Risk;
7. Melakukan tindakan pencegahan agar kebijakan dan/ atau 7. Taking preventive measures so that policies and/or decisions
keputusan yang diambil Direksi Bank tidak menyimpang dari taken by the Bank’s Board of Directors do not deviate from the
ketentuan Otoritas Jasa Keuangan dan ketentuan peraturan provisions of the Financial Services Authority and statutory
perundang-undangan; regulations;
8. Melakukan tugas lain yang terkait dengan fungsi kepatuhan, 8. Carrying out other tasks related to the compliance function,
antara lain memantau dan menjaga kepatuhan Bank including monitoring and maintaining the Bank’s compliance
terhadap komitmen yang dibuat oleh Bank kepada Otoritas with commitments made by the Bank to the Financial Services
Jasa Keuangan maupun otoritas pengawas lainnya yang Authority and other competent supervisory authorities;
berwenang;
9. Dalam rangka penerapan Program Anti Pencucian Uang 9. In implementing Anti-Money Laundering (AML) and Countering
(APU) dan Pencegahan Pendanaan Terorisme (PPT), Direktur the Financing of Terrorism (CFT) Program, the Director of
Kepatuhan memiliki tugas dan tanggung jawab sekurang- Compliance has the duties and responsibilities of at least:
kurangnya untuk:
a. Memastikan Bank memiliki dan menetapkan kebijakan a. Ensure that the Bank has and establishes policies and
dan prosedur penerapan APU dan PPT yang bersifat teknis procedures for implementing technical and strategic AML
dan strategis; and CFT;
b. Mengusulkan kebijakan dan prosedur tertulis yang b. Propose strategic written policies and procedures
bersifat strategis mengenai penerapan program APU dan regarding the implementation of the APU and PPT
PPT kepada Dewan Komisaris; program to the Board of Commissioners;
c. Memastikan penerapan program APU dan PPT c. Ensure that the AML and CFT program is implemented
dilaksanakan sesuai dengan kebijakan dan prosedur in accordance with established written policies and
tertulis yang telah ditetapkan; procedures;
d. Membentuk unit kerja khusus dan/atau menunjuk pejabat d. Establish a special work unit and/or appoint officials in
yang betanggung jawab terhadap penerapan APU dan PPT; charge of AML and CFT implementation;
e. Melakukan pengawasan atas kepatuhan unit kerja dalam e. Supervise work unit compliance in implementing AML and
menerapkan program APU dan PPT; CFT program;
f. Memastikan bahwa kebijakan dan prosedur tertulis f. Ensure that written policies and procedures regarding
mengenai penerapan program APU dan PPT sejalan implementation of AML and CFT program are in line
dengan perubahan dan pengembangan produk, jasa, with changes and developments in products, services
dan teknologi di sektor jasa keuangan serta sesuai and technology in the financial services sector and in
dengan perkembangan modus Pencucian Uang dan/atau accordance with developments in Money Laundering and/
Pendanaan Terorisme; or Terrorism Financing;
g. Memastikan bahwa seluruh pegawai, khususnya pegawai g. Ensure that all employees, especially employees from
dari satuan kerja terkait dan pegawai baru, telah mengikuti related work units and new employees, have attended
pelatihan yang berkaitan dengan penerapan program APU training related to the implementation of AML and CFT
dan PPT secara berskala. program on a certain scale.
10. Menyusun kebijakan dan strategi Manajemen Risiko secara 10. Develop written & comprehensive Risk Management policies
tertulis & komprehensif and strategies
11. Bertanggungjawab atas pelaksanaan kebijakan Manajemen 11. Responsible for the implementation of Risk Management
Risiko dan eksposur Risiko yang diambil oleh Bank secara policies and Risk exposure taken by the Bank as a whole
keseluruhan
12. Mengevaluasi dan memutuskan transaksi yang memerlukan 12. Evaluate and decide on transactions that require approval
persetujuan Direksi. from the Board of Directors.
13. Mengembangkan budaya Manajemen Risiko pada seluruh 13. Develop a Risk Management culture at all levels of the
jenjang organisasi organization
14. Memastikan peningkatan kompetensi sumber daya manusia 14. Ensure increased competency of human resources related to
yang terkait dengan Manajemen Risiko Risk Management
15. Memastikan bahwa fungsi Manajemen Risiko telah beroperasi 15. Ensure that the Risk Management function operates
secara independen independently
16. Melaksanakan kaji ulang secara berkala untuk memastikan: 16. Carry out regular reviews to ensure:
a. Keakuratan metodologi penilaian Risiko; a. Accuracy of Risk assessment methodology;
b. Kecukupan implementasi sistem informasi Manajemen b. Adequacy of implementation of the Risk Management
Risiko; information system;
c. Ketepatan kebijakan dan prosedur Manajemen Risiko c. Accuracy of Risk Management policies and procedures
serta penetapan limit risiko; and determination of risk limits;
360 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Jabatan / Position Pembagian Tugas dan Tanggung Jawab Distribution of Duties and Responsibilities
17. Meningkatkan kualitas human capital yang profesional dan 17. Improving the quality of professional human capital and
berintegritas dengan implementasi budaya kerja Bank; integrity by implementing the Bank’s work culture;
18. Wajib melaporkan pelaksanaan tugas dan tanggung jawabnya 18. Must submit at least quarterly report on implementation of
kepada Direktur Utama dengan tembusan kepada Dewan duties and responsibilities to the President Director with a
Komisaris, paling sedikit secara triwulanan; copy to the Board of Commissioners;
19. Meningkatkan kualitas sumber daya manusia melalui 19. Improving the quality of human resources through structured
pendidikan dan latihan yang terstruktur sesuai dengan tingkateducation and training according to the level of needs of each
kebutuhan setiap unit kerja yang ada di bawahnya; work unit under it;
20. Mengkoordinasi dan memantau pelaksanaan satuan kerja 20. Coordinating and monitoring the implementation of work units
dibawah supervisi Direktorat Enterprise Risk, Compliance, & under the supervision of the Enterprise Risk, Compliance,
Human Resource serta Komite Manajemen Risiko; & Human Resources Directorate and the Risk Management
Committee;
21. Melaksanakan tugas lainnya sesuai dengan ketentuan yang 21. Carrying out other duties in accordance with applicable
berlaku; regulations;
22. Menyampaikan laporan kepada Otoritas Jasa Keuangan (OJK) 22. Submitting reports to the Financial Services Authority
tentang pelaksanaan tugas dan tanggung jawabnya. (OJK) regarding the implementation of their duties and
responsibilities.
23. Melaksanakan tugas lainnya sesuai dengan ketentuan yang 23. Carry out other duties in accordance with applicable
berlaku; regulations
Direktur Keuangan / 1. Meningkatkan prudential banking agar dalam kegiatan bank 1. Improving prudential banking so that bank activities always
Director of Finance senantiasa berpedoman kepada Standar Operasional dan refer to Operational Standards and Procedures (SOP),
Prosedur (SOP), Kepatuhan dan Manajemen Risiko; Compliance and Risk Management;
2. Menyusun perencanaan dan konsep-konsep strategi 2. Developing plans and strategic concepts for achieving work
pencapaian sasaran-sasaran kerja sesuai dengan targets in accordance with the Finance Directorate’s budget
perencanaan anggaran Direktorat Keuangan yang telah planning which has been determined at the annual work
ditetapkan dalam rapat kerja tahunan; meeting;
3. Menyusun perencanaan dan strategi pencapaian Perusahaan 3. Developing plans and strategies for achieving the Company in
sesuai dengan visi dan misi perusahaan; accordance with the company’s vision and mission;
4. Melaksanakan kegiatan identifikasi, perencanaan dan 4. Carrying out identification, plans, and implementation of
pelaksanaan strategi pengelolaan kegiatan Investor Relation; strategies for managing Investor Relations activities;
5. Meningkatkan kontribusi finansial produk treasury; 5. Increasing the financial contribution of treasury products;
6. Meningkatkan image pelayanan bank yang sesuai dengan 6. Improving the image of bank services in accordance with
standar layanan bank di Unit Kerja dan aktivitas produk bank service standards in Work Units and treasury product
treasury; activities;
7. Meningkatkan tertib pencatatan keuangan agar selalu patuh 7. Improving orderly financial recording to always comply with
kepada Pedoman Standar Akuntansi Keuangan (PSAK) yang the applicable Financial Accounting Standards Guidelines
berlaku; (PSAK);
8. Meningkatkan kualitas sumber daya manusia melalui 8. Improving the quality of human resources through structured
pendidikan dan latihan yang terstruktur sesuai dengan tingkat education and training according to the level of needs of each
kebutuhan setiap unit kerja yang ada di bawahnya; work unit under it;
9. Mengkoordinasikan dan memantau pelaksanaan satuan kerja 9. Coordinating and monitoring the implementation of work
di bawah supervisi Direktorat Operasional dan Keuangan units under the supervision of the Directorate of Operations
serta Asset & Liability Committee (ALCO); and Finance and the Asset & Liability Committee (ALCO);
10. Melaksanakan tugas lainnya sesuai dengan ketentuan yang 10. Carrying out other duties in accordance with applicable
berlaku. regulations.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 361
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Penerapan keuangan berkelanjutan di Bank Raya Sustainable finance implementation at Bank Raya is
secara umum menjadi tanggung jawab Direktur Utama generally the responsibility of the President Director as
sebagai pemimpin tertinggi di Bank Raya. Namun, dalam official with the highest position at Bank Raya. However, in
pelaksanaannya, Direktur Utama telah menugaskan Direktur implementation, the President Director has assigned the
Enterprise Risk, Compliance & Human Resource yang Director of Enterprise Risk, Compliance & Human Resources
362 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
membawahi Desk Enterprise Risk Management sebagai kepala who oversees the Enterprise Risk Management Desk as head
Unit Kerja yang bertugas melakukan penyusunan, monitoring, of the Work Unit in charge of preparing, monitoring and
dan penyampaian atas penerapan keuangan berkelanjutan. delivering sustainable finance implementation.
Di dalam Perusahaan, bagian Enterprise Risk & Portfolio At the Company, the Enterprise Risk & Portfolio Management
Management di Divisi Enterprise Risk Management menjadi section in the Enterprise Risk Management Division is the
sebagai Koordinator Tim Khusus Keuangan Berkelanjutan. Coordinator of the Special Sustainable Finance Team. The
Perusahaan telah menyusun Rencana Aksi Keuangan Company has prepared a Sustainable Financial Action Plan
Berkelanjutan (RAKB). Penyusunan RAKB disampaikan dalam (RAKB) through the sustainability report.
bentuk laporan keberlanjutan Perusahaan.
Tim Khusus Keuangan Berkelanjutan memiliki tugas dan The Special Sustainable Finance Team has duties and
tanggung jawab yang terbagi dalam: responsibilities which are divided into:
1. Ketua (Direktur Enterprise Risk, Compliance & Human 1. Chair (Director of Enterprise Risk, Compliance & Human
Resource) Resources)
• Memastikan bahwa Tim Khusus Keuangan • Ensure that the Special Sustainable Finance Team
Berkelanjutan dan Unit Kerja Pengelola telah and Management Work Unit have implemented
melaksanakan Keuangan Berkelanjutan sesuai Sustainable Finance in accordance with applicable
dengan ketentuan yang berlaku; regulations;
• Bersama-sama dengan Tim Khusus Keuangan • Work with the Special Sustainable Finance Team to
Berkelanjutan merekomendasikan hasil penyusunan recommend the results of the preparation of the RAKB
RAKB dan hasil pemantauan Keuangan Berkelanjutan and the results of Sustainable Finance monitoring to
kepada Direksi sebelum disetujui oleh Dewan the Board of Directors before being approved by the
Komisaris. Board of Commissioners.
2. Koordinator (Divisi Enterprise Risk Management) 2. Coordinator (Enterprise Risk Management Division)
• Melakukan koordinasi dengan Ketua Tim Khusus • Coordinate with the Chair of the Special Sustainable
Keuangan Berkelanjutan dan seluruh anggota Tim Finance Team and all members of the Special
Khusus Keuangan Berkelanjutan serta Unit Kerja Sustainable Finance Team and Work Units regarding
terkait hal-hal sebagai berikut: the following matters:
» Penyusunan RAKB; » RAKB Preparation;
» Pemantauan penerapan Keuangan Berkelanjutan; » Monitoring of Sustainable Finance
implementation;
» Penyusunan Laporan Berkelanjutan; » Preparation of Sustainability Reports;
• Menyampaikan hasil pelaksanaan seluruh tugas dan • Submit the results of the implementation of all
tanggung jawab tersebut pada butir (i) di atas kepada duties and responsibilities in point (i) above to the
Ketua Tim, Direksi dan Dewan Komisaris untuk Team Leader, Board of Directors and Board of
mendapat persetujuan; Commissioners for approval;
• Menyampaikan RAKB dan Laporan Berkelanjutan • Submit the RAKB and Sustainability Report before
sebelum batas akhir penyampaian sebagaimana the deadline for submission as determined by the
ditetapkan oleh ketentuan yang berlaku kepada applicable provisions to the Financial Services
Otoritas Jasa Keuangan. Authority.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 363
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Struktur Organisasi Penerapan Keuangan Berkelanjutan Organizational Structure for Sustainable Finance
Implementation
Berikut merupakan bagan struktur organisasi unit yang The organizational structure chart of units in charge of
bertanggung jawab terhadap penerapan keuangan sustainable finance implementation at the Company is as
berkelanjutan Perusahaan: follows:
Direksi juga dapat mengadakan rapat sewaktu-waktu atas The Board of Directors may also hold a meeting at any
permintaan 1 (satu) atau beberapa anggota Direksi atau time at the request of 1 (one) or several Board of Directors
permintaan Dewan Komisaris, dengan menyebutkan hal-hal members or at the request of the Board of Commissioners,
yang akan dibicarakan. Dalam setiap rapat Direksi dibuatkan stating the matters to be discussed. At each meeting of the
risalah rapat oleh Sekretaris Perusahaan dan ditandatangani Board of Directors, minutes of the meeting are drawn up
oleh pimpinan rapat serta seluruh anggota Direksi yang hadir by the Corporate Secretary and signed by the chairman of
dalam rapat. Risalah rapat berisi hal-hal yang dibicarakan dan the meeting and all Board of Directors members attending
hal-hal yang diputuskan. the meeting. The minutes of the meeting contain matters
discussed and decided.
Di tahun 2023, Direksi telah melaksanakan sebanyak 56 (lima In 2023, the Board of Directors has held 56 (fifty six) meetings
puluh enam) kali rapat, dan sebanyak 12 (dua belas) kali rapat and 12 (twelve) meetings with the Board of Commissioners.
bersama Dewan Komisaris. Informasi terkait agenda dan Information on the agenda and attendance of the Company’s
kehadiran rapat Direksi Perusahaan adalah sebagai berikut: Board of Directors meetings is as follows:
364 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Agenda dan Rekapitulasi Kehadiran Direksi dalam Rapat Agenda and Recapitulation of Board of Directors’
Direksi Attendance at the Board of Directors Meetings
Tabel: Agenda Rapat Direksi Table: Board of Directors Meeting Agenda
Kehadiran Direksi /
Tanggal / Agenda Rapat / Board of Directors’ Attendance
No
Date Meeting Agenda
IBKS E AF DH BWH DW RSP
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 365
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kehadiran Direksi /
Tanggal / Agenda Rapat / Board of Directors’ Attendance
No
Date Meeting Agenda
IBKS E AF DH BWH DW RSP
366 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Kehadiran Direksi /
Tanggal / Agenda Rapat / Board of Directors’ Attendance
No
Date Meeting Agenda
IBKS E AF DH BWH DW RSP
4 Agustus 2023 /
36 Laporan Keuangan Juli 2023 / July 2023 Financial Statements √ - - - √ √ √
August 4, 2023
- Profil Digital Collection / Digital Collection Profile
7 Agustus 2023 /
37 - Kartu Debit Virtual Visa / Visa Virtual Debit Card √ - - √ √ √ √
August 7, 2023
- RayaVganza
- Persetujuan Pipeline Ekspansi Kredit Segmen Menengah / Approval of
Medium Segment Credit Expansion Pipeline
- Review Limit Dealer
14 Agustus 2023 /
38 - Usulan Revisi Target KPI Korporat / Proposed Revision of Corporate √ - - √ √ √ √
August 14, 2023
KPI Targets
- Sales Force Team
- Update Persiapan RUPSLB / Update on EGMS Preparations
28 Agustus 2023 / - Update Project Quantum 3.2 (Selldown)
39 √ - - √ √ √ √
August 28, 2023 - Update OHC Structure for Pricing
- Initiative BRIMO ID Integration with Bank Raya
- Laporan Keuangan Agustus 2023 / August 2023 Financial Report
4 September 2023 /
40 - Project Alternative Visa Dengan ALTO / Project Alternative Visa With √ - - √ √ √ √
September 4, 2023
ALTO
- HUT Raya ke 34 / Raya 34th Anniversary
11 September 2023 /
41 PMO Update √ - - √ √ √ √
September 11, 2023
18 September 2023 / - Prognosa September 2023 / Prognosis September 2023
42 √ - - √ √ √ √
September 18, 2023 - Update RUPSLB / EGMS Update
- Laporan Keuangan September 2023 / September 2023 Financial
4 Oktober 2023 /
43 Statements √ - - √ √ √ √
October 4, 2023
- Pembahasan Aduan Kasus / Discussion of Case Complaints
16 Oktober 2023 / Implementasi Penguatan Logo Raya / Implementation of Strengthening
44 √ - - √ √ √ √
October 16, 2023 the Raya Logo
23 Oktober 2023 /
45 Rencana 3rd Project / 3rd Project Plan - - - √ √ √ √
October 23, 2023
30 Oktober 2023 /
46 Digital Saving Product Landscape & Naming Convention - - - √ √ √ √
October 30, 2023
3 November 2023 /
47 Laporan Keuangan Oktober 2023 / October 2023 Financial Statements √ - - √ √ √ √
November 3, 2023
- Update Penyelesaian BIT / BIT Settlement Update
6 November 2023 /
48 - Jaringan Kerja & Klasifikasi Unit Kerja 2024 - 2026 / Work Network √ - - √ √ √ √
November 6, 2023
and Work Unit Classification 2024 - 2026
16 November 2023 /
49 RBB & SI / Work Network & Work Unit Classification 2024 - 2026 √ - - √ - √ √
November 16, 2023
- Usulan Program Rencana Aksi Keuangan Berkelanjutan 2024 – 2028 /
20 November 2023 /
50 Proposed Sustainable Finance Action Plan Program 2024 - 2028 √ - - √ - - -
November 20, 2023
- SI 2024
22 November 2023 / Pelaporan Pihak ketiga di Kejaksaan Negeri Pekanbaru / Third Party
51 - - - √ - √ √
November 22, 2023 Reporting at the Pekanbaru District Prosecutor’s Office
29 November 2023 / Update Tindak Lanjut Pengelolaan Aset / Asset Management Follow-up
52 √ - - √ √ √ √
November 29, 2023 Update
4 Desember 2023 / Laporan Keuangan November 2023 / November 2023 Financial
53 √ - - √ √ √ √
December 4, 2023 Statements
11 Desember 2023 / - Kartu Debit Virtual Raya / Raya Virtual Debit Card
54 √ - - √ √ √ √
December 11, 2023 - Update Strategic Initiatives
18 Desember 2023 /
55 Update RayaNovation √ - - √ - √ √
December 18, 2023
- RUPST Bank Raya 2024 & Desain Cover AR 2023 / Bank Raya 2024
18 Desember 2023 /
56 AGMS & 2023 AR Cover Design √ - - √ √ √ √
December 18, 2023
- Rakernas Bank Raya 2024 / Bank Raya 2024 National Working Meeting
Keterangan: / Information:
IBKS: Ida Bagus Ketut Subagia - E: Ernawan - AF: Akhmad Fazri - DH: Dedy Hendrianto - BWH: Dedy Hendrianto - DW: Danar Widyantoro - RSP: Rustarti Suri Pertiwi
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 367
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tabel: Kehadiran Rapat Dewan Direksi Table: Board of Directors Meeting Attendance
Kehadiran / Attendance Persentase
Nama / Jabatan / (%) /
Name Position Hadir / Percentage
Total
Present (%)
Ida Bagus Ketut Subagia Direktur Utama / President Director 56 52 93%
Direktur Retail Agri dan Pendanaan / Director of Retail Agri and
Dedy Hendrianto 56 53 95%
Funding
Direktur Digital dan Operasional / Director of Digital and
Bhimo Wikan Hantoro 56 51 91%
Operations
Direktur Enterprise Risk Management, Compliance & Human
Danar Widyantoro*** Resources / Director of Enterprise Risk Management, 35 31 89%
Compliance & Human Resources
Direktur Enterprise Risk Management, Compliance & Human
Ernawan** Resources / Director of Enterprise Risk Management, 21 19 90%
Compliance & Human Resources
Rustarti Suri Pertiwi*** Direktur Keuangan / Director of Finance 35 34 97%
Agenda dan Rekapitulasi Kehadiran Direksi dalam Rapat Agenda and Recapitulation of Board of Directors’
bersama Dewan Komisaris Attendance at Board of Directors Meetings
Tabel: Agenda Rapat Gabungan Direksi bersama Dewan Table: Agenda for Joint Meeting of Directors and Board of
Komisaris Commissioners
Kehadiran Direksi /
Tanggal / Agenda Rapat / Board of Directors’ Attendance
No
Date Meeting Agenda
IBKS ER AF DH BWH RSP DW
368 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Kehadiran Direksi /
Tanggal / Agenda Rapat / Board of Directors’ Attendance
No
Date Meeting Agenda
IBKS ER AF DH BWH RSP DW
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 369
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kehadiran Direksi /
Tanggal / Agenda Rapat / Board of Directors’ Attendance
No
Date Meeting Agenda
IBKS ER AF DH BWH RSP DW
Tabel: Kehadiran Rapat Gabungan Direksi bersama Dewan Table: Attendance of Joint Meeting of Board of Directors
Komisaris and Board of Commissioners
Kehadiran / Attendance Persentase
Nama / Jabatan / (%) /
Name Position Hadir / Percentage
Total
Present (%)
Ida Bagus Ketut Subagia Direktur Utama / President Director 12 12 100%
Direktur Retail Agri dan Pendanaan / Director of Retail Agri and
Dedy Hendrianto 12 11 92%
Funding
Direktur Digital dan Operasional / Director of Digital and
Bhimo Wikan Hantoro 12 10 83%
Operations
Direktur Enterprise Risk Management, Compliance & Human
Danar Widyantoro*** Resources / Director of Enterprise Risk Management, 8 8 100%
Compliance & Human Resources
Direktur Enterprise Risk Management, Compliance & Human
Ernawan** Resources / Director of Enterprise Risk Management, 4 3 75%
Compliance & Human Resources
Rustarti Suri Pertiwi*** Direktur Keuangan / Director of Finance 8 8 100%
31 Januari 2023 / January Pedoman Pelaksanaan Kredit Mikro (PPK Mikro) / Guidelines for Implementing Micro
1 SK.B.27/Dir.01.05/PCP/01/2023
31, 2023 Credit (Micro PPK)
Pedoman Pelaksanaan Penyaluran Kredit Melalui Layanan Pinjam Meminjam Uang
30 Maret 2023 / March 30,
2 SK: B.88/Dir.01.05/PCP/03/2023 Berbasis Teknologi (Fintech) / Guidelines for Implementing Credit Distribution
2023
Through Technology-Based Money Lending and Borrowing Services (Fintech)
370 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
5 SE: B.27/Dir.04.05/PCP/05/2023 11 Mei 2023 / May 11, 2023 Pedoman Pelaksanaan Pinang Flexi / Guidelines for Implementing Pinang Flexi
30 Januari 2023 / January Pedoman Pelaksanaan Pinang Flexi Kerja Sama Khusus / Guidelines for Implementing
6 SE: B.03/Dir.04.05/PCP/01/2023
30, 2023 Pinang Flexi Special Cooperation
14 April 2023 / April 14, Pedoman Pelaksanaan Pinang Dana Talangan / Guidelines for Implementing Pinang
7 SE: B.25/Dir.04.05/PCP/04/2023
2023 Dana Talangan
27 Oktober 2023 / October Pedoman Pelaksanaan Pinang Performa Pro / Guidelines for Implementing Pinang
8 SE:B.52/Dir.02.03/PCP/10/2023
27, 2023 Performa Pro
Pedoman Pelaksanaan Pinang Performa Merchant Financing for Digital Partner /
31 Oktober 2023 / October
9 SE: B.53/Dir.02.03/PCP/10/2023 Guidelines for Implementing Pinang Merchant Financing Performance for Digital
31, 2023
Partners
30 Maret 2023 / March 30, Pedoman Pelaksanaan Pinang Maksima / Guidelines for Implementing Pinang
10 SE B.21A/Dir.04.05/PCP/03/2023
2023 Maksima
03 Maret 2023 / March 3, Pedoman Pelaksanaan CRR Bisnis Ritel / Guidelines for Implementing CRR in Retail
11 SE B.18/Dir.04.05/PCP/03/2023
2023 Business
12 SE: B.34/Dir.01.02/PCP/07/2023 17 Juli 2023 / July 17, 2023 Pedoman Pelaksanaan Komite Kredit / Credit Committee Implementation Guidelines
21 SK.B.225/Dir.01.03/PCP/07/2023 12 Juli 2023 / July 12, 2023 Kebijakan Umum Manajemen Risiko / General Risk Management Policy
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 371
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
43 SE.B. 28/Dir.04.05/PCP/05/2023 19 Mei 2023 / May 19, 2023 Pedoman Pelaksanaan Treasury / Treasury Implementation Guidelines
44 SE.B.30/Dir.04.05/PCP/05/2023 26 Mei 2023 / May 26, 2023 Pedoman Pelaksanaan Aplikasi Raya / Raya Application Implementation Guidelines
Pedoman Pelaksanaan Manajemen Risiko Fraud pada Aplikasi Raya / Guidelines for
45 SE.B.186/Dir.04.05/PCP/05/2023 31 Mei 2023 / May 31, 2023
Implementing Fraud Risk Management in Raya Application
13 September 2023 /
46 No.SE.B.39/Dir.03.04/PCP/09/2023 Pedoman Pelaksanaan Digital Saving / Digital Saving Implementation Guidelines
September 13, 2023
16 November 2023 / Kebijakan Umum Arsitektur dan Tata Kelola Kebijakan dan Prosedur / General Policy
47 SK.B.339/Dir.01.04/PCP/11/2023
November 16, 2023 Architecture and Governance Policy and Procedure
SE.B.59/Dir.04.05/PCP/ 8 Desember 2023 / Pedoman Pelaksanaan Komite Produk / Product Committee Implementation
48
CMG/12/2023 December 8, 2023 Guidelines
28 Februari 2023 /
50 SE:B.15/Dir.04.05/PCP/02/2023 Pedoman Pelaksanaan Lelang Agunan / Guidelines for Holding Collateral Auctions
February 28, 2023
PENILAIAN KINERJA KOMITE DAN UNIT KERJA DI BAWAH PERFORMANCE ASSESSMENT OF COMMITTEES AND WORK
DIREKSI UNITS UNDER THE BOARD OF DIRECTORS
Direksi dibantu oleh Aset and Liability Committee, Komite The Board of Directors is assisted by the Asset and
Manajemen Risiko, Komite Kredit, Komite Produk, Komite Liability Committee, Risk Management Committee, Credit
Kebijakan Perkreditan, dan Komite Pengarah Teknologi Committee, Product Committee, Credit Policy Committee,
Sistem Informasi. Komite tersebut membantu tugas Direksi and Information Systems Technology Steering Committee
dalam melakukan pengelolaan terhadap Perusahaan. This committee assists the Board of Directors in managing
the Company.
Direksi melakukan penilaian terhadap kinerja Komite di The Board of Directors assesses the performance of
bawahnya berdasarkan kriteria yang telah ditetapkan the Committees under it based on the criteria set by the
Perusahaan. Kriteria penilaian yang digunakan oleh Direksi Company. The assessment criteria used by the Board of
antara lain: Directors include:
1. Kehadiran dan keaktifan dalam rapat; 1. Attendance and activeness in meetings;
2. Rekomendasi yang diberikan kepada Dewan Komisaris; 2. Recommendations given to the Board of Commissioners;
3. Pelaporan yang tepat waktu. 3. Timely reporting.
372 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Di tahun 2023, Direksi menilai komite pendukung di bawahnya In 2023, the Board of Directors assesses that the supporting
telah menjalankan tugas dan tanggung jawabnya dengan baik committees under it have carried out their duties and
dan efektif, serta sesuai dengan pedoman kerja dan patuh responsibilities properly and effectively in accordance with
terhadap peraturan perundang-undangan yang berlaku. work guidelines and in compliance with applicable laws and
Berikut uraian pelaksanaan tugas Komite di bawah Direksi regulations. The Committees under the Board of Directors in
pada tahun 2023: 2023 has implemented the following duties:
Komite /
No Target Capaian Kinerja / Performance Achievements
Committee
4 kali rapat terkait pengelolaan
Komite Manajemen
risiko bank selama setahun
1 Risiko / Risk Management 4 kali dalam setahun / 4 times a year
/ 4 meetings on bank risk
Committee
management for a year
Komite Pengarah 4 kali rapat terkait pengelolaan
Teknologi Sistem teknologi informasi perusahaan
2 Informasi / Information / 4 meetings on company 4 kali dalam setahun / 4 times a year
Systems Technology information technology
Steering Committee management
Komite Kebijakan 11 September 2023 / September 11, 2023
3 Perkreditan / Credit 1 Kali Rapat / 1 Meeting Pembahasan perubahan Kebijakan Perkreditan Bank (KPB) / Discussion of changes to
Policy Committee Bank Credit Policy (KPB)
Komite Kredit / Credit 105 Putusan kredit pada level Komite Kredit telah dilakukan / 105 Credit decisions at the
4 105 Keputusan / 105 Decisions
Committee Credit Committee level have been made
15 kali rapat terkait pengelolaan
Aset and Liability
aset dan liabilitas Perusahaan / 15
5 Committee / Aset and 15 kali dalam setahun / 15 times a year
meetings of Company asset and
Liability Committee
liability management
1. Pelaksanaan Komite Produk Pinang Maksima pada Tanggal 31 Maret 2023 dengan hasil /
Implementation of the Pinang Maksima Product Committee on March 31, 2023 with the
results:
a) Disetujui, usulan kenaikan limit Pinang Maksima sesuai dengan usulan / Approved,
the proposed increase in the Pinang Maksima limit is in accordance with the
proposal:
- Semula : >100 Juta s.d 1 M / Originally: >100 million to 1 billion
- Menjadi : > 100 Juta s.d 10 M / Become: > 100 million to 10 billion
b) Disetujui, Surat Pemberitahuan pelaksanaan ekspansi Pinang Maksima menjadi s/d
Rp 10 M melalui Divisi CMG / Approved the Notification Letter for implementation of
Pinang Maksima expansion to Rp10 Billion through CMG Division
2. Pelaksanaan Komite Produk Legacy pada Tanggal 12 Juni 2023 dengan hasil /
Implementation of the Legacy Product Committee on June 12, 2023 with the results:
Komite Produk / Product
6 3 Agenda / 3 Agenda a) Disetujui, Re-aktivasi produk sebagai berikut / Approved to Re-activate the following
Committee
products:
- Kredit Plasma / Plasma Credit
- Kredit Pensiun (Kresun) / Pension Credit (Kresun)
- Kredit Menengah (KMK, KI, SCF,BG,LC,SKBDN) / Medium Credit (KMK, KI, SCF, BG,
LC, SKBDN)
b) Pengkajian kembali untuk produk kredit SHT / Reassessment of SHT lending product
3. Pelaksanaan Komite Produk Pinang Performa (Pinang Performa Pro dan Pinang
Performa Merchant) pada Tanggal 07 September 2023 dengan hasil Disetujui, untuk
struktur dan tipe produk Pinang Performa Pro dan Pinang Performa Merchant /
Implementation of the Pinang Performa Product Committee (Pinang Performa Pro
and Pinang Performa Merchant) on September 7, 2023 with Approved results, for the
structure and type of Pinang Performa Pro and Pinang Performa Merchant products
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 373
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, program peningkatan kompetensi yang diikuti In 2023, the Company’s Board of Directors took part in the
oleh Direksi Perusahaan adalah sebagai berikut: following competency development programs:
Jenis Pelatihan / Materi / Tempat dan Waktu / Penyelenggara /
Type Of Training Material Place and Time Organizer
In House Training Dewan Direksi / Board of Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March 16,
LPPI
DIrectors In House Training Education on AML-CFT & PPUR Overview for Executives 2023
MIT Management
Pendidikan Leading by Design: Innovation Process and 26-27 Oktober 2023 /
Public Course Executive Education
Culture (BRILiaN Global Leader Program Batch I) October 26-27, 2023
Cambridge
Dedy Hendrianto
In House Training Dewan Direksi / Board of Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March 16,
LPPI
DIrectors In House Training Education on AML-CFT & PPUR Overview for Executives 2023
In House Training Dewan Direksi / Board of Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March 16,
LPPI
DIrectors In House Training Education on AML-CFT & PPUR Overview for Executives 2023
Refreshment Sertifikasi Manajemen Risiko Level IV / Level
Online Training (Sertifikasi) 6 Juli 2023 / July 6, 2023 Efektif pro
IV Risk Management Certification Refreshment
Danar Widyantoro
Pendidikan APU-PPT & PPUR Overview for Executive / 16 Maret 2023 / March 16,
In House Training LPPI
Education on AML-CFT & PPUR Overview for Executives 2023
20 Mei 2023 / May 20,
Online Training (Sertifikasi) Pembekalan Manajemen Risiko For BOD LPPI
2023
Orientasi/On Boarding / Orientation/On 23 Juni & 6 Juli 2023 /
Executive Overview for BOD LPPI
boarding June 23 & June 6, 2023
Forum Penguatan Governansi dan Integritas Pelaporan 26 September 2023 /
Public Course (Undangan) OJK
Keuangan Sektor Jasa Keuangan September 26, 2023
PENILAIAN KELAYAKAN DAN KEPATUTAN DIREKSI BOARD OF DIRECTORS FIT AND PROPER TEST
Seluruh calon anggota Direksi wajib dinyatakan lulus dalam All prospective Board of Directors members must pass the
Uji Kemampuan dan Kepatutan (Fit & Proper Test) yang Fit & Proper Test conducted by the OJK. The Company’s
dilakukan oleh OJK. Penilaian kelayakan dan kepatuhan Board of Directors Fit and Proper Test details are as follows:
Direksi Perusahaan adalah sebagai berikut:
374 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Perusahaan secara berkala melakukan penilaian terhadap The Company periodically assesses the performance of
kinerja Dewan Komisaris dan Direksi. Setiap tahunnya, the Board of Commissioners and Board of Directors. The
kinerja Dewan Komisaris dan Direksi dievaluasi dengan performance of the Board of Commissioners and Board
tujuan untuk meningkatkan kualitas pelaksanaan tugas of Directors is evaluated annually to improve the quality
dan tanggung jawabnya. Pemegang saham melalui RUPS of implementation of their duties and responsibilities.
melakukan evaluasi atas kinerja Dewan Komisaris dan Shareholders through the GMS evaluate the performance
Direksi Perusahaan. Hasil evaluasi kinerja Dewan Komisaris of the Company’s Board of Commissioners and Board
dan Direksi secara individual menjadi salah satu dasar of Directors. The results of the individual performance
pertimbangan bagi pemegang saham untuk melakukan evaluation of the Board of Commissioners and Board of
penunjukan kembali, dan dapat digunakan untuk penentuan Directors serve as one of the basic considerations for
skema remunerasi untuk Dewan Komisaris dan Direksi pada shareholders to reappoint, and can be used to determine the
tahun buku. remuneration scheme for the Board of Commissioners and
Board of Directors in the fiscal year.
Penilaian Kinerja Dewan Komisaris Dalam RUPS Performance Assessment of the Board of Commissioners
in the GMS
Dalam agenda RUPS Tahunan, Pemegang Saham akan In each Annual GMS, Shareholders evaluates the performance
mengevaluasi kinerja Dewan Komisaris berdasarkan tugas of the Board of Commissioners based on the duties and
kewajiban yang tercantum dalam peraturan perundang- obligations listed in the applicable laws and regulations and
undangan yang berlaku dan Anggaran Dasar maupun amanat the Articles of Association as well as the mandate given by
yang diberikan Pemegang Saham. the Shareholders.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 375
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kriteria Evaluasi Kinerja Dewan Komisaris Criteria for the Performance Assessment of the Board of
Commissioners
Kriteria evaluasi penilaian ditetapkan oleh pemegang saham. The assessment evaluation criteria are determined
Kriteria evaluasi kinerja individu Dewan Komisaris antara lain by shareholders. Criteria for evaluating the individual
meliputi: performance of the Board of Commissioners include:
1. Tingkat kehadirannya dalam rapat Dewan Komisaris 1. The level of attendance at the meetings of the Board of
maupun rapat dengan komite-komite yang ada; Commissioners and meetings with existing committees;
2. Kontribusinya dalam proses pengawasan Perusahaan; 2. Its contribution to the Company’s supervision process;
3. Keterlibatannya dalam penugasan tertentu; 3. Involvement in certain assignments;
4. Komitmennya dalam memajukan kepentingan 4. Its commitment to advancing the interests of the
Perusahaan; Company;
5. Ketaatan terhadap peraturan perundang-undangan yang 5. Compliance with applicable laws and regulations and
berlaku serta kebijakan Perusahaan. company policies.
Hasil Penilaian Kinerja Dewan Komisaris Results of the Performance Assessment of the Board of
Commissioners
Hasil dari penilaian kinerja Dewan Komisaris di tahun 2023 The results of the performance assessment of the Board of
adalah sebagai berikut: Commissioners in 2023 are as follows:
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris /
Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris /
Implementation of Duties and Responsibilities of The Board of
Implementation of Duties and Responsibilities of The Board of Commissioners
Commissioners
Governance Structure
1. Jumlah Anggota Dewan Komisaris paling sedikit 3 (tiga) orang dan Berdasarkan hasil RUPS tanggal 03 Oktober 2023. Jumlah Dewan Komisaris tidak
tidak melampaui jumlah Anggota Direksi. / melampaui jumlah anggota Direksi sebanyak 5 (lima) orang. Hal ini telah sesuai dengan
The number of members of the Board of Commissioners is at least POJK No.55/POJK.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata Kelola
3 (three) people and does not exceed the number of members of the bagi Bank Umum juncto SK Direksi No.Kpts.B.585/ Dir.02.04/OJL/10/2021 tanggal
Board of Directors. 29 Oktober 2021 tentang SK Tata Kelola Perusahaan yang Baik (Good Corporate
Governance). Susunan Anggota Dewan Komisaris saat ini adalah sebagai berikut:
/ Based on the results of the GMS on October 3, 2023 The number of the Board of
Commissioners does not exceed the number of members of the Board of Directors,
which is 5 (five) people. This is in accordance with POJK No.55/ POJK.03/2016
dated December 7, 2016 concerning Implementation of Governance for Commercial
Banks in conjunction with SK Directors No.Kpts.B.585/Dir.02.04/OJL/10/2021 dated
October 29, 2021 regarding the Decree on Good Corporate Governance. The current
composition of the members of the Board of Commissioners is as follows:
Dewan Komisaris / Board of Commissioners
• Muhamad Sidik Heruwibowo
• Eko Budi Supriyanto
• Achmad F.C. Barir
• Retno Wahyuni Wijayanti
• Johanes Kuntjoro Adisardjono
Direksi / Board of Directors
• Ida Bagus Ketut Subagia
• Dedy Hendrianto
• Bhimo Wikan Hantoro
• Rustarti Suri Pertiwi
• Danar Widyantoro
2. Paling sedikit 1 (satu) Anggota Dewan Komisaris berdomisili di Seluruh Anggota Dewan Komisaris berdomisili di Indonesia, hal ini dapat dilihat dari
Indonesia. / kartu identitas dan daftar riwayat hidup yang bersangkutan. /
At least 1 (one) member of the Board of Commissioners is domiciled in All members of the Board of Commissioners are domiciled in Indonesia, this can be
Indonesia. seen from their identity cards and curriculum vitae
3. Paling sedikit 50% (lima puluh persen) dari jumlah Anggota Dewan Anggota Dewan Komisaris terdiri dari 1 (satu) orang Komisaris Utama, 3 (tiga) orang
Komisaris adalah Komisaris Independen. / Komisaris Independen, dan 1 (satu) orang Komisaris. /
At least 50% (fifty percent) of the total members of the Board of Members of the Board of Commissioners consist of 1 (one) Main Commissioner, 3
Commissioners are Independent Commissioners. (three) Independent Commissioners, and 1 (one) Commissioner
4. Dewan Komisaris tidak merangkap jabatan kecuali terhadap hal- Dewan Komisaris tidak merangkap jabatan kecuali terhadap hal-hal yang telah
hal yang telah ditetapkan dalam Peraturan Otoritas Jasa Keuangan ditetapkan dalam POJK Tata Kelola Bank Umum, yaitu : /
tentang Tata Kelola Bank Umum, yaitu: / The Board of Commissioners does not hold concurrent positions except for matters
The Board of Commissioners does not hold concurrent positions that have been stipulated in the POJK for Commercial Bank Governance, namely:
except for matters that have been stipulated in the Financial Services
Authority Regulation concerning Commercial Bank Governance,
namely:
376 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 377
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
378 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Governance Process
1. Penggantian dan/atau pengangkatan Anggota Dewan Komisaris Akta No.08 Tanggal 06 Oktober 2023 /
telah memperhatikan Rekomendasi Komite Nominasi atau Komite Deed No. 08 dated October 6, 2023
Remunerasi dan Nominasi serta memperoleh persetujuan dari RUPS./
Replacement and/or appointment of members of the Board of
Commissioners has taken into account the recommendations of
the Nomination Committee or the Remuneration and Nomination
Committee and has obtained approval from the GMS.
2. Dewan Komisaris telah melaksanakan tugas untuk memastikan Ya, Dewan Komisaris telah melaksanakan tugasnya untuk memastikan
terselenggaranya penerapan prinsip Tata Kelola yang baik dalam terselenggaranya pelaksanaan prinsip-prinsip Tata Kelola yang Baik dalam setiap
setiap kegiatan usaha Bank pada seluruh tingkatan atau jenjang kegiatan usaha Bank pada seluruh tingkatan atau jenjang organisasi. Kepastian
organisasi. / terselenggaranya pelaksanaan prinsip-prinsip Tata Kelola yang Baik tertuang dalam
The Board of Commissioners has carried out the task of ensuring notulen rapat: /
the implementation of the principles of good governance in every Yes, the Board of Commissioners has carried out its duties to ensure the
business activity of the Bank at all levels or levels of the organization. implementation of the principles of Good Governance in every business activity of the
Bank at all levels or levels of the organization. The certainty of the implementation
of the principles of Good Governance is contained in the minutes of the meeting:
1. Direksi dan Komisaris (Radirkom); /
Board of Directors and Board of Commissioners (Board of Directors and Board of
Commissioners meeting);
2. Rapat Dewan Komisaris; /
Meeting of the Board of Commissioners;
3. Rapat Dewan Komisaris dengan Divisi atau Desk; /
Meetings of the Board of Commissioners with Divisions or Desks;
4. Hasil evaluasi Dewan Komisaris atas pelaksanaan tugas Satuan Kerja Audit
Internal Bank; /
Results of the Board of Commissioners’ evaluation of the implementation of the
duties of the Bank’s Internal Audit Work Unit;
5. Hasil evaluasi Dewan Komisaris atas penerapan Tata Kelola Bank, Fungsi
Kepatuhan, Anti Money Laundering dan Penerapan Manajemen Risiko Bank; /
Results of the Board of Commissioners’ evaluation of the implementation of Bank
Governance, Compliance Function, Anti-Money Laundering and Implementation
of Bank Risk Management;
6. Persetujuan Dewan Komisaris terhadap beberapa kebijakan internal tertentu
sebagaimana ditetapkan oleh ketentuan yang berlaku. /
Approval of the Board of Commissioners on certain internal policies as stipulated
by applicable regulations.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 379
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
380 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Governance Outcome
1. Hasil rapat Dewan Komisaris telah dituangkan dalam Risalah rapat Ya, hasil rapat Dewan Komisaris telah dituangkan ke dalam Risalah rapat dan
dan didokumentasikan dengan baik, termasuk perbedaan pendapat didokumentasikan dengan baik sebagaimana telah diuraikan di atas, dan saat ini
(dissenting opinions) yang terjadi secara jelas. / belum terdapat adanya perbedaan pendapat (dissenting opinions). /
The results of the Board of Commissioners’ meetings have been Yes, the results of the Board of Commissioners’ meeting have been included in the
recorded in the minutes of meetings and are well documented, minutes of the meeting and are well documented as described above, and currently
including clear dissenting opinions. there are no dissenting opinions.
2. Hasil rapat Dewan Komisaris telah dibagikan kepada seluruh Anggota Ya, hasil rapat Dewan Komisaris telah dibagikan kepada seluruh Anggota Dewan
Dewan Komisaris dan Pihak yang terkait. / Komisaris dengan tanda terima dari masing-masing anggota Dewan Komisaris
The results of the Board of Commissioners’ meeting have been sebagai tanda buktinya. /
distributed to all members of the Board of Commissioners and related Yes, the results of the Board of Commissioners’ meeting have been distributed to all
parties. members of the Board of Commissioners with a receipt from each member of the
Board of Commissioners as proof.
3. Hasil rapat Dewan Komisaris merupakan Rekomendasi dan/atau Ya, hasil rapat Dewan Komisaris sebagaimana telah diuraikan di atas merupakan
arahan yang dapat diimplementasikan oleh RUPS dan/atau Direksi. / rekomendasi dan/atau arahan yang dapat diimplementasikan oleh RUPS dan/atau
The results of the Board of Commissioners’ meeting constitute Direksi. /
recommendations and/or directions that can be implemented by the Yes, the results of the Board of Commissioners meeting as described above are
GMS and/or the Board of Directors. recommendations and/or directions that can be implemented by the GMS and/or the
Board of Directors.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 381
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
382 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 383
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kriteria Evaluasi Kinerja Direksi Criteria for the Board of Directors Performance Assessment
Pemegang Saham menetapkan kriteria kinerja Direksi secara Shareholders determine the performance criteria for the
kolegial. Kriteria evaluasi kinerja anggota Direksi antara lain Board of Directors collegially. The criteria for evaluating the
meliputi: performance of members of the Board of Directors include:
1. Tingkat kehadiran dalam rapat Direksi maupun rapat 1. The level of attendance at the Board of Directors meetings
Koordinasi Direksi dengan Komisaris; and Coordination meetings between the Directors and
Commissioners;
2. Pertumbuhan kinerja keuangan; 2. Growth in financial performance;
3. Pertumbuhan jumlah nasabah dan pengukuran kepuasan 3. Growth in the number of customers and measurement of
nasabah; customer satisfaction;
4. Penerapan tata kelola perusahaan yang Baik; 4. Implementation of Good Corporate Governance;
5. Pengelolaan Sumber Daya Manusia; 5. Management of Human Resources;
6. Pengelolaan manajemen risiko; 6. Management of risk management;
7. Ketaatan terhadap peraturan perundang-undangan yang 7. Compliance with applicable laws and regulations and
berlaku dan kebijakan perusahaan; company policies;
8. Komitmennya terhadap keputusan bersama yang telah 8. Its commitment to joint decisions that have been made.
dibuat.
Di dalam pedoman kerja Direksi, terdapat kriteria penilaian The Board Manuals of the Board of Directors also outlines
yang diukur berdasarkan 4 (empat) aspek sebagai berikut: the assessment criteria measured based on these 4 (four)
aspects:
1. Keuangan dan pasar; 1. Finance and markets;
2. Fokus pelanggan; 2. Customer focus;
3. Efektivitas produk dan proses; 3. Product and process effectiveness;
4. Kepemimpinan, tata kelola dan tanggung Jawab 4. Leadership, Governance and Community Responsibility.
Kemasyarakatan.
Prosedur Pelaksanaan Assessment Kinerja Direksi Procedure for Implementation of Board of Directors
Performance Assessment
Penilaian Direksi dilakukan dengan cara Self-assessment The Board of Directors’ performance assessment is carried
atau penilaian sendiri. Self-assessment atau penilaian out through self-assessment. Self-assessment is carried
sendiri dimaksud dilakukan oleh masing-masing anggota out by each member of the Board of Directors to assess the
Direksi untuk menilai pelaksanaan kinerja Direksi secara implementation of the performance of the Board of Directors
kolegial, dan bukan menilai kinerja individual masing- in a collegial manner, and not to assess the individual
masing anggota Direksi. Direksi mengisi lembar formulir performance of each member of the Board of Directors.
penilaian kinerja untuk dievaluasi oleh Dewan Komisaris dan The Board of Directors fills out a performance assessment
Komite Remunerasi dan Nominasi kemudian hasilnya akan form to be evaluated by the Board of Commissioners and
dilaporkan kepada Pemegang Saham. Dengan adanya self the Remuneration and Nomination Committee and then
assessment ini diharapkan masing-masing anggota Direksi the results will be reported to Shareholders. With this self-
dapat berkontribusi untuk memperbaiki kinerja Direksi assessment, it is hoped that each member of the Board of
secara berkesinambungan. Directors can contribute to improving the performance of the
Board of Directors on an ongoing basis.
384 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Hasil Penilaian Kinerja Direksi Results of the Board of Directors Performance Assessment
Di tahun 2023, Bank Raya telah menetapkan target atau KPI In 2023, Bank Raya has set targets or KPIs for the Board of
Direksi. Hal ini dilakukan untuk pencapaian sebagai berikut: Directors. This is done to achieve the following:
Aspek / Sasaran Strategis / Bobot KPI / Pencapaian / Nilai /
KPI
Aspect Strategic Target KPI Rating Achievement Score
Keuangan dan Pasar / Peningkatan Market Cap 5,0% 73,04% 3,65%
Finance and Market Profitabilitas
Perusahaan Rp Laba Bersih / Net Income 5,0% 106,90% 5,35%
/ Increasing
Company Rp Digital Funding 10,0% 97,39% 9,74%
Profitability
RP OS Digital Lending 10,0% 53,38% 5,34%
b. Rp Digital Saving
c. Rp OS Digital
Selain itu, kinerja Direksi juga diukur dari aspek penerapan In addition, the performance of the Board of Directors is
GCG. Penilaian kinerja Direksi dari aspek penerapan GCG also measured from the aspect of GCG implementation. The
dapat dilihat pada bagian Penilaian Penerapan GCG pada bab assessment of the performance of the Board of Directors
GCG di Laporan ini. from the GCG implementation aspect is available in the GCG
Implementation Assessment section in the GCG chapter of
this Report.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 385
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dewan Komisaris dan Direksi wajib menjaga independensi The Board of Commissioners and Directors are required
dalam menjalankan fungsi tugas dan tanggung jawabnya. Hal to maintain independence in carrying out their duties and
ini untuk menghindari segala bentuk benturan kepentingan responsibilities. This is to avoid all forms of conflicts of
yang terjadi, baik untuk kepentingan pribadi, kelompok dan interest that occur, whether for personal interests, groups or
golongan tertentu. certain groups.
Dewan Komisaris Perusahaan harus senantiasa For this reason, members of the Board of Commissioners
memperhatikan hal-hal berikut ini: should always:
1. Mengutamakan kepentingan Perseroan dan tidak 1. Prioritize the interests of the Company and not reducing
mengurangi keuangan Perseroan dalam hal terjadi the Company’s finances in the event of a conflict of
benturan kepentingan; interest;
2. Menghindari diri dari pengambilan keputusan dalam 2. Refrain from making decisions in situations and
situasi dan kondisi adanya benturan kepentingan; conditions where there is a conflict of interest;
3. Melakukan pengungkapan hubungan kekeluargaan, 3. Disclose family relationships, financial relationships,
hubungan keuangan, hubungan kepengurusan, hubungan management relationships, ownership relationships
kepemilikan dengan anggota Komisaris lain dan/atau with other members of the Board of Commissioners and/
anggota Direksi dan/ atau Pemegang Saham pengendali or members of the Board of Directors and/or controlling
Bank dan/atau pihak lainnya dalam rangka bisnis shareholders of the Bank and/or other parties in the
Perseroan; context of the Company’s business.
4. Melakukan pengungkapan dalam hal pengambilan 4. Make disclosures in terms of decision-making must still
keputusan tetap harus diambil pada kondisi adanya be taken in the event of a conflict of interest.
benturan kepentingan.
386 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Anggota Dewan Komisaris dan Direksi memiliki kewajiban Members of the Board of Commissioners and Board of
untuk melaporkan kepemilikan saham, baik di Bank maupun Directors have an obligation to report share ownership,
di perusahaan terbuka lainnya. Informasi kepemilikan saham both in the Bank and in other public companies. Information
oleh Dewan Komisaris dan Direksi adalah sebagai berikut: on share ownership by the Board of Commissioners and
Directors is as follows:
Kepemilikan Saham “Agro” /
Nama / Jabatan / “Agro” Share Ownership
Name Position Jumlah Saham / Persentase (%) /
Total Shares Percentage (%)
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 387
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pembelian/Penjualan Saham Dewan Komisaris dan Direksi Purchase/Sell of Shares of the Board of Commissioners
and Board of Directors
Berdasarkan Peraturan OJK Nomor 11/POJK.04/2017 tentang Based on OJK Regulation No. 11/POJK.04/2017 concerning
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan Ownership Reports or Any Changes in Ownership of
Saham Perusahaan Terbuka, setiap anggota Dewan Komisaris Public Company Shares, each member of the Board
dan Direksi diwajibkan untuk menyampaikan informasi of Commissioners and Directors is required to submit
kepada Bank mengenai kepemilikan dan setiap perubahan information to the Bank regarding ownership and any
kepemilikannya atas saham Bank paling lambat 3 (tiga) hari changes in ownership of Bank shares no later than 3 (three)
kerja setelah terjadinya transaksi. Selanjutnya, Bank wajib working days after the transaction occurs. Furthermore, the
menyampaikan laporan kepada OJK atas transaksi tersebut Bank is obliged to submit a report to the OJK regarding the
selambat-lambatnya 10 (sepuluh) hari sejak terjadi transaksi. transaction no later than 10 (ten) days after the transaction
occurred.
Di tahun 2023, Dewan Komisaris dan Direksi tidak melakukan In 2023, the Board of Commissioners and Directors did
pembelian atau pun penjualan saham Perusahaan dengan not purchase or sell Company shares with the following
informasi sebagai berikut: information:
Kepemilikan Saham “Agro” /
Nama / Jabatan / “Agro” Share Ownership
Name Position Jumlah Saham / Persentase (%) /
Total Shares Percentage (%)
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
Muhamad Sidik Heruwibowo Komisaris Utama / President Commissioner Nihil / Nil Nihil / Nil
Eko B. Supriyanto Komisaris Independen / Independent Commissioner Nihil / Nil Nihil / Nil
Retno Wahyuni Wijayanti Komisaris Independen / Independent Commissioner Nihil / Nil Nihil / Nil
Johanes Kuntjoro Adisardjono Komisaris Independen / Independent Commissioner Nihil / Nil Nihil / Nil
Ida Bagus Ketut Subagia Direktur Utama / President Director Nihil / Nil Nihil / Nil
Direktur Retail Agri dan Pendanaan / Director of Retail Agri and
Dedy Hendrianto Nihil / Nil Nihil / Nil
Funding
Direktur Digital dan Operasional / Director of Digital and
Bhimo Wikan Hantoroi Nihil / Nil Nihil / Nil
Operations
Direktur Enterprise Risk Management, Compliance & Human
Danar Widyantoro Resources / Director of Enterprise, Risk Management, Nihil / Nil Nihil / Nil
Compliance, and Human Resources
Rustarti Suri Pertiwi Direktur Keuangan / Director of Finance Nihil / Nil Nihil / Nil
388 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Berdasarkan POJK No.55/POJK.03/2016 tentang penerapan Based on POJK No.55/POJK.03/2016 concerning the
Tata Kelola bagi Bank Umum, Dewan Komisaris dan Direksi implementation of Governance for Commercial Banks, the
Bank Raya dapat memiliki rangkap jabatan dengan ketentuan Board of Commissioners and Board of Directors of Bank Raya
sebagai berikut: can have concurrent positions with the following provisions:
Ketentuan rangkap jabatan Dewan Komisaris Provisions for concurrent positions of the Board of
Commissioners
1. Anggota Dewan Komisaris dilarang melakukan rangkap 1. Members of the Board of Commissioners are prohibited
jabatan sebagai Direksi, Anggota Dewan Komisaris atau from holding concurrent positions as Directors, Members
Pejabat Eksekutif: of the Board of Commissioners or Executive Officers:
a. Pada Lembaga Keuangan atau Perusahaan Keuangan, a. In Financial Institutions or Financial Companies, both
baik Bank maupun bukan Bank; Banks and non-Banks
b. Pada lebih dari satu Lembaga bukan Keuangan atau b. In more than one non-financial institution or
Perusahaan bukan Keuangan, baik yang berkedudukan nonfinancial company, whether domiciled at home or
di dalam maupun luar negeri. abroad.
2. Tidak termasuk rangkap jabatan dalam hal: 2. Does not include concurrent positions in terms of:
a. Anggota Dewan Komisaris menjabat sebagai anggota a. Members of the Board of Commissioners serve
Direksi, Dewan Komisaris atau Pejabat Eksekutif as members of the Board of Directors, Board of
yang melaksanakan fungsi pengawasan pada satu Commissioners or Executive Officers who carry
perusahaan anak bukan Bank yang dikendalikan oleh out supervisory functions in a non-Bank subsidiary
Bank; company controlled by the Bank.
b. Komisaris non Independen menjalankan tugas b. Non-Independent commissioners carry out
fungsional dari pemegang saham bank yang functional duties of bank shareholders in the form of
berbentuk badan hukum pada kelompok usaha bank; legal entities in the bank’s business group.
c. Anggota Dewan Komisaris menduduki jabatan pada c. Members of the Board of Commissioners hold
organisasi atau Lembaga Nirlaba. positions in non-profit organizations or institutions.
Ketentuan rangkap jabatan Direksi Provisions for concurrent position of the Board of Directors
1. Anggota Direksi dilarang merangkap jabatan sebagai 1. Members of the Board of Directors are prohibited from
Anggota Direksi, Dewan Komisaris atau Pejabat Eksekutif holding concurrent positions as Members of the Board of
pada Bank, Perusahaan dan atau Lembaga lain; Directors, Board of Commissioners or Executive Officers
at other Banks, Companies and/or Institutions;
2. Tidak termasuk rangkap jabatan dalam hal Direksi 2. Excluding concurrent positions in the event that the
yang bertanggung jawab terhadap pengawasan atas Board of Directors who is responsible for supervising
penyertaan bank pada perusahaan anak, menjalankan the bank’s participation in a subsidiary company,
tugas fungsional menjadi Anggota Dewan Komisaris pada performs functional duties as a member of the Board
perusahaan anak bukan Bank yang dikendalikan oleh of Commissioners in a non-bank subsidiary company
Bank; controlled by the Bank;
3. Anggota Direksi baik secara sendiri-sendiri atau 3. Members of the Board of Directors either individually or
bersama-sama dilarang memiliki saham lebih dari 25% jointly are prohibited from owning shares of more than
dari modal disetor pada perusahaan lain. 25% of the paid-up capital in other companies
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 389
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Rangkap Jabatan Dewan Komisaris dan Direksi Concurrent Position of the Board of Commissioners and
Board of Directors
Pengungkapan rangkap jabatan anggota Dewan Komisaris Disclosure of concurrent positions of members of the Board
dan Direksi Bank Raya tahun 2023 sebagai berikut: of Commissioners and Board of Directors of Bank Raya in
2023 is as follows:
Rangkap Jabatan / Concurrent Position
Nama / Jabatan / Dewan Komisaris
Nama Position Direksi / Komite /
/ Board Of
Board Of Directors Committee
Commissioners
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
• Komite Pemantau Risiko / Risk
Komisaris Utama Monitoring Committee
Muhamad Sidik
/ President Tidak / No Tidak / No • Komite Remunerasi dan Nominasi
Heruwibowo
Commissioner / Remuneration and Nomination
Committee
• Komite Pemantau Risiko / Risk
Direktur Utama PT
Monitoring Committee
Komisaris Independen Infoarta Pratama
• Komite Remunerasi dan Nominasi
Eko B. Supriyanto / Independent Tidak / No (Infobank) / President
/ Remuneration and Nomination
Commissioner Director of PT Infoarta
Committee
Pratama (Infobank)
• Komite Audit / Audit Committee
Direktur Lembaga
Pengembangan
Komisaris Independen Perbankan Indonesia Komite Remunerasi dan Nominasi (Ketua) /
Retno Wahyuni
/ Independent Tidak / No (LPPI) / Director at Remuneration and Nomination Committee
Wijayanti
Commissioner Indonesian Banking (Head)
Development Institute
(LPPI)
• Komite Audit / Audit Committee
Komisaris Independen
Johanes Kuntjoro • Komite Remunerasi dan Nominasi
/ Independent Tidak / No Tidak / No
Adisardjono / Remuneration and Nomination
Commissioner
Committee
Komisaris / Komite Pemantau Risiko / Risk Monitoring
Achmad F.C Barir Tidak / No Tidak / No
Commissioner Committee
DIREKSI / BOARD OF DIRECTORS
Komite Kebijakan Perkreditan Komite
Pengarah Teknologi Informasi Komite
Ida Bagus Ketut Direktur Utama /
Tidak / No Tidak / No Produk / Credit Policy Committee
Subagia President Director
Information Technology Steering
Committee Product Committee
Direktur Retail Agri dan Komite Kebijakan Perkreditan Komite
Dedy Hendrianto Pendanaan / Director of Tidak / No Tidak / No Produk / Risk Management Committee
Retail Agri and Funding Product Committee
Komite Kebijakan Perkreditan Komite
Direktur Digital
Pengarah Teknologi Informasi Komite
Bhimo Wikan dan Operasional /
Tidak / No Tidak / No Produk / Credit Policy Committee
Hantoro Director of Digital and
Information Technology Steering
Operations
Committee Product Committee
Direktur Enterprise
Risk Management,
Compliance & Human
Komite Kebijakan Perkreditan Komite
Resources / Director
Danar Widyantoro Tidak / No Tidak / No Produk / Credit Policy Committee Product
of Enterprise,
Committee
Risk Management,
Compliance, and
Human Resources
Komite Kebijakan Perkreditan Komite
Pengarah Teknologi Informasi Komite
Direktur Keuangan /
Rustarti Suri Pertiwi Tidak / No Tidak / No Produk / Credit Policy Committee
Director of Finance
Information Technology Steering
Committee Product Committee
390 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Berdasarkan POJK Nomor 55/ POJK.03 tahun 2016 tentang Based on POJK No. 55/POJK.03 of 2016 concerning the
Penerapan Tata Kelola bagi Bank Umum, telah ditetapkan Implementation of Governance for Commercial Banks, the
mengenai hubungan afiliasi Dewan Komisaris dan Direksi. affiliation relationship of the Board of Commissioners and
Dalam Pasal 29, mayoritas anggota Dewan Komisaris Board of Directors has been determined. In Article 29, the
dilarang saling memiliki hubungan keluarga sampai dengan majority of members of the Board of Commissioners are
derajat kedua dengan sesama anggota Dewan Komisaris prohibited from having familial affiliation up to the second
dan/atau anggota Direksi. Dilanjutkan di dalam Pasal 39 degree with fellow members of the Board of Commissioners
ayat 2 mengenai aspek transparansi Dewan Komisaris dan and/or members of the Board of Directors. In Article 39
Direksi yaitu anggota Dewan Komisaris dan Direksi wajib paragraph 2 regarding the transparency aspect of the
mengungkapkan hubungan keuangan dan hubungan keluarga Board of Commissioners and Board of Directors, namely
dengan anggota Dewan Komisaris lain, anggota Direksi dan/ that members of the Board of Commissioners and Board
atau Pemegang Saham pengendali Bank. of Directors are required to disclose financial affiliation
and familial affiliation with other members of the Board of
Commissioners, members of the Board of Directors and/or
controlling shareholders of the Bank.
Informasi terkait hubungan afiliasi Dewan Komisaris, Direksi, Information related to the affiliations of the Board of
dan Pemegang Saham Perusahaan adalah sebagai berikut: Commissioners, Board of Directors and Shareholders of the
Company is as follows:
Hubungan Keuangan dan Keluarga Dewan Komisaris dan Financial and Familial Affiliations of the Board of
Direksi Commissioners and the Board of Directors
Hubungan Keuangan / Financial Affiliation With Hubungan Keluarga / Familial Affiliation With
Dewan Dewan
Direksi / Pemegang Direksi / Pemegang
Nama / Komisaris Komisaris
Board Of Saham / Board Of Saham /
Name / Board Of / Board Of
Directors Shareholders Directors Shareholders
Commissioners Commissioners
Ya / Tidak / Ya / Tidak / Ya / Tidak / Ya / Tidak / Ya / Tidak / Ya / Tidak /
Yes No Yes No Yes No Yes No Yes No Yes No
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
Eko B. Supriyanto - √ - √ - √ - √ - √ - √
Dedy Hendrianto - √ - √ - √ - √ - √ - √
Danar Widyantoro - √ - √ - √ - √ - √ - √
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 391
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Berdasarkan Lampiran Surat Edaran OJK Nomor 32/ The diversity of the composition of the Company’s Board
SEOJK.04/2015 tentang Pedoman Tata Kelola Perusahaan of Commissioners and Board of Directors is stipulated
Terbuka, mengatur terkait keberagaman komposisi Dewan in the Appendix of the Circular Letter of the OJK No. 32/
Komisaris dan Direksi Perusahaan. Bank Raya memiliki SEOJK.04/2015 concerning Governance Guidelines for Public
kebijakan terkait keberagaman Dewan Komisaris dan Direksi. Companies. Furthermore, Bank Raya has a policy regarding
Perusahaan menetapkan komposisi Dewan Komisaris the diversity of the Board of Commissioners and Board of
dan Direksi yang dilakukan dengan mempertimbangkan Directors. The Company determines the composition of the
kebutuhan dan kompleksitas perusahaan. Komposisi Dewan Board of Commissioners and Board of Directors by taking
Komisaris dan Direksi didasarkan pada pengetahuan, into account the needs and complexity of the Company.
keahlian, pengalaman profesional, latar belakang guna The composition of the Board of Commissioners and
mendukung efektivitas pelaksanaan tugas Dewan Komisaris Board of Directors is based on their knowledge, expertise,
dan Direksi. professional experience, and background to support the
effective implementation of their duties.
Keberagaman Komposisi Dewan Komisaris dan Direksi Diversity in the Composition of the Board of Commissioners
and Board of Directors
Nama / Jabatan / Usia / Jenis Kelamin Pendidikan Terakhir / Pengalaman Kerja /
No
Name Position Age / Gender Educational Background Work Experience
392 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Sertifikasi Manajemen Risiko Dewan Komisaris dan Direksi Risk Management Certification for the Board of
Commissioners and Board of Directors
Berdasarkan Peraturan Bank Indonesia Nomor 11/19/PBI/2009 According to Bank Indonesia Regulation No. 11/19/
tentang Sertifikasi Manajemen Risiko bagi pengurus dan PBI/2009 concerning Risk Management Certification for
pejabat Bank Umum, Dewan Komisaris dan Direksi wajib Management and Officials of Commercial Banks, the Board
memiliki Sertifikat Manajemen risiko yang diterbitkan oleh of Commissioners and Board of Directors are required to
Lembaga Sertifikasi profesi, dengan klasifikasi sebagai have a Risk Management Certificate issued by a professional
berikut: Certification Institute, with the following classification:
Nama / Jabatan / Sertifikasi Sertifikasi / Lembaga / Masa Berlaku /
Name Position Certification Institution Validity Period
DEWAN KOMISARIS / BOARD OF COMMISSIONERS
Komisaris Utama / Manajemen Risiko Level 3 / Risk 4 Tahun /
Muhamad Sidik Heruwibowo LSPP
President Commissioner Management Level 3 4 Years
Komisaris Independen / Manajemen Risiko Level 2 / Risk 4 Tahun /
Eko B. Supriyanto LSPP
Independent Commissioner Management Level 2 4 Years
Manajemen Risiko Level 4 / Level 4 2 Tahun /
Achmad F.C Barir Komisaris / Commissioner LSPP
Risk Management 2 Years
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 393
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengangkatan anggota Dewan Komisaris dan Direksi Appointment of members of the Board of Commissioners
serta penetapan besaran remunerasi bagi anggota Dewan and Board of Directors and determination of the amount of
Komisaris dan Direksi merupakan wewenang pemegang remuneration for members of the Board of Commissioners
saham melalui mekanisme RUPS. and Board of Directors is the authority of the shareholders
through the GMS mechanism.
NOMINASI DEWAN KOMISARIS DAN DIREKSI NOMINATION OF THE BOARD OF COMMISSIONERS AND
BOARD OF DIRECTORS
Anggota Dewan Komisaris dan Direksi Bank Raya diangkat Members of the Board of Commissioners and Board of
dan diberhentikan oleh RUPS. Pemegang Saham Pengendali Directors of Bank Raya are appointed and dismissed by the
dapat mengusulkan nama-nama calon anggota Dewan GMS. The Controlling Shareholders may propose names
Komisaris dan Direksi Perseroan untuk kemudian dilakukan of candidates for members of the Company’s Board of
pembahasan oleh Komite Nominasi dan Remunerasi. Selain Commissioners and Board of Directors for discussion by
itu, calon anggota Dewan Komisaris dan Direksi Bank Raya the Nomination and Remuneration Committee. In addition,
juga dapat berasal dari sumber lainnya. candidates for members of the Board of Commissioners and
Directors of Bank Raya can also come from other sources.
394 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Bank Raya memiliki kriteria dalam menentukan nama-nama Bank Raya has criteria in determining the names proposed
yang diusulkan sebagai calon anggota Dewan Komisaris dan as prospective members. The Board of Commissioners and
Direksi Bank Raya harus memenuhi kriteria yang ditetapkan Board of Directors of Bank Raya must meet the criteria set
dalam Pedoman dan Tata Kerja Dewan Komisaris dan out in the Board Manuals for the Board of Commissioners
Pedoman dan Tata Kerja Direksi, yaitu: and the Guidelines and Work Procedures for the Board of
Directors, namely:
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 395
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
5. Tidak menjabat sebagai anggota Dewan Komisaris pada 5. Has not served as a member of the Board of
Perusahaan selama 2 (dua) periode berturut-turut; Commissioners of the Company for 2 (two) consecutive
terms;
6. Memiliki komitmen untuk mematuhi peraturan 6. Has a commitment to comply with laws and regulations;
perundang-undangan;
7. Memiliki pengetahuan dan/atau keahlian di bidang yang 7. Has knowledge and/or expertise in the fields required by
dibutuhkan Perusahaan; the Company;
8. Bukan merupakan orang yang bekerja atau mempunyai 8. Not a person who works or has the authority and
wewenang dan tanggung jawab untuk merencanakan, responsibility to plan, lead, control or supervise the
memimpin, mengendalikan atau mengawasi kegiatan Company’s activities within the last 6 (six) months
Perusahaan dalam waktu 6 (enam) bulan terakhir except for reappointment as the Company’s Independent
kecuali untuk pengangkatan kembali sebagai Komisaris Commissioner in the following period;
Independen Perusahaan pada periode berikutnya;
9. Tidak mempunyai saham baik langsung maupun tidak 9. Has no shares either directly or indirectly in the Company,
langsung pada Perseroan, tidak mempunyai hubungan has no affiliation with the Company, members of the
afiliasi dengan Perusahaan, anggota Dewan Komisaris, Board of Commissioners, members of the Board of
anggota Direksi atau Pemegang Saham utama Directors or the Company’s main shareholder;
Perusahaan;
10. Tidak mempunyai hubungan usaha baik langsung maupun 10. Does not have a direct or indirect business relationship
tidak langsung yang berkaitan dengan kegiatan usaha related to the Company’s business activities.
Perusahaan.
396 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 397
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Mekanisme Nominasi Dewan Komisaris dan Direksi Nomination Mechanism for the Board of Commissioners
and Board of Directors
Setelah dilakukan pembahasan oleh Komite Nominasi The names of potential members of the Board of
dan Remunerasi, kemudian nama calon anggota Dewan Commissioners and Board of Directors are submitted the
Komisaris dan Direksi diajukan kepada Dewan Komisaris Board of Commissioners for approval at the GMS following the
untuk dimintakan persetujuannya pada saat RUPS. discussion by the Nomination and Remuneration Committee.
Pemegang Saham
Pengendali
Controlling
Shareholders
Komite Nominasi &
Remunerasi Dewan Komisaris
RUPS
Nomination and Board of
GMS
Remuneration Commissioners
Committee
Sumber Lain
Other Sources
REMUNERASI DEWAN KOMISARIS DAN DIREKSI REMUNERATION FOR THE BOARD OF COMMISSIONERS AND
BOARD OF DIRECTORS
Besaran remunerasi serta fasilitas lain yang diberikan The amount of remuneration and other facilities provided
bagi Dewan Komisaris dan Direksi ditetapkan oleh RUPS to the Board of Commissioners and Board of Directors is
Tahunan dengan memperhatikan rekomendasi dari Komite determined by the Annual GMS by taking into account the
Remunerasi dan Nominasi. recommendations of the Remuneration and Nomination
Committee.
Prosedur Penetapan Remunerasi Dewan Komisaris dan Procedures for Determining Remuneration for the Board of
Direksi Commissioners and Board of Directors
Prosedur penetapan remunerasi Dewan Komisaris dan The procedure for determining the remuneration for the
Direksi Perseroan adalah sebagai berikut: Board of Commissioners and the Board of Directors of the
Company is as follows:
a) Pemegang Saham melakukan pembahasan pada RUPS; a) Shareholders conduct discussions at the GMS;
b) RUPS memberikan wewenang dan kuasa kepada Dewan b) The GMS gives authority and power to the Board
Komisaris untuk menetapkan besaran remunerasi; of Commissioners to determine the amount of
remuneration;
c) Komite Remunerasi dan Nominasi melakukan kajian c) The Remuneration and Nomination Committee conducts
dan evaluasi untuk menentukan remunerasi bagi Dewan studies and evaluations to determine remuneration for
Komisaris dan Direksi; the Board of Commissioners and Board of Directors;
398 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
d) Komite Remunerasi dan Nominasi memberikan d) The Remuneration and Nomination Committee provides
rekomendasi kepada Dewan Komisaris; recommendations to the Board of Commissioners;
e) Dewan Komisaris melakukan pembahasan atas usulan e) The Board of Commissioners conducts discussions on
Komite Remunerasi dan Nominasi untuk kemudian the Remuneration and Nomination Committee’s proposal
diusulkan melalui surat kepada Pemegang Saham to be proposed by letter to the controlling shareholder
pengendali (Bank BRI); (Bank BRI);
f) Surat penetapan oleh Pemegang Saham pengendali f) Letter of determination by the controlling shareholder
(Bank BRI) kepada Dewan Komisaris; (Bank BRI) to the Board of Commissioners;
g) Surat Dewan Komisaris kepada Direksi tentang penetapan g) Letter from the Board of Commissioners to the Board of
remunerasi Dewan Komisaris dan Direksi. Directors regarding the determination of remuneration
for the Board of Commissioners and Board of Directors.
Struktur Remunerasi Anggota Dewan Komisaris Dan Direksi Remuneration Structure for Members of the Board of
Commissioners and Board of Directors
Berdasarkan ketentuan Peraturan OJK Nomor 45/ Based on the provisions of OJK Regulation No. 45/
POJK.03/2015 tentang Penerapan Tata Kelola dalam POJK.03/2015 concerning the Implementation of Governance
Pemberian Remunerasi bagi Bank Umum serta Surat in Providing Remuneration for Commercial Banks and OJK
Edaran OJK Nomor 40/SEOJK.03/2016 tentang Penerapan Circular Letter No. 40/SEOJK.03/2016 concerning the
Tata Kelola dalam Pemberian Remunerasi Bank Umum, Implementation of Governance in Providing Remuneration
Perusahaan memiliki kebijakan remunerasi Dewan Komisaris for Commercial Banks, the Company has a remuneration
dan Direksi Bank Raya. policy for the Board of Commissioners and Board of Directors
of Bank Raya.
Dalam kebijakan tersebut, remunerasi Dewan komisaris dan In this policy, the remuneration of the Board of Commissioners
Direksi terdiri dari: and Directors consists of:
1. Remunerasi yang bersifat tetap yaitu remunerasi yang 1. Fixed remuneration, namely remuneration that is not
tidak dikaitkan dengan kinerja dan risiko, antara lain related to performance and risk, including honorarium
honorarium dan tunjangan hari raya; and holiday allowances;
2. Remunerasi yang bersifat variabel yaitu Remunerasi 2. Variable remuneration, namely remuneration linked to
yang dikaitkan dengan kinerja dan risiko, antara lain jasa performance and risk, including production services or
produksi atau bentuk lainnya yang dipersamakan dengan other equivalent forms.
itu.
Tabel Struktur Remunerasi Dewan Komisaris dan Direksi Table of Remuneration Structure for the Board of
Bank Raya Commissioners and Board of Directors of Bank Raya
Jenis Penghasilam/
Direksi / Dewan Komisaris /
No Fasilitas / Type of
Board of Directors Board of Commissioners
Income/Facilities
1 Honorarium • Direktur Utama sebesar 100% / President Director of 100% • Komisaris Utama 45% dari gaji Direktur Utama
• Direktur SDM 90% dari honorarium Direktur Utama / 90% of / 45% of the President Director’s salary for the
the President Director’s honorarium for the Director of HR President Commissioner
• Direksi 85% dari honorarium Direktur Utama / 85% of the • Komisaris 90% dari honorarium Komisaris
President Director’s honorarium for the Board of Directors Utama / 90% of the President Commissioner’s
honorarium for the Commissioners
2 Tunjangan Hari Raya / Diberikan sebesar 1 (satu) kali honorarium / Given 1 (one) time Diberikan sebesar 1 (satu) kali honorarium / Given 1
Holiday allowance honorarium (one) time honorarium
Tunjangan Transportasi - Diberikan sebesar 20% dari honorarium / Given
/ Transportation 20% of the honorarium
Allowance
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 399
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jenis Penghasilam/
Direksi / Dewan Komisaris /
No Fasilitas / Type of
Board of Directors Board of Commissioners
Income/Facilities
Tunjangan Purna Jabatan Diberikan selama menjabat premi asuransi 25% dari honorarium Diberikan selama menjabat premi asuransi 25%
/ Retirement Allowance dalam satu tahun / Given during tenure insurance premium 25% dari honorarium dalam satu tahun / Given during
of the honorarium in one year tenure insurance premium 25% of the honorarium
in one year
Tunjangan Perumahan / Sesuai ketentuan yang berlaku / According to the current -
Housing Allowance arrangement
Tunjangan Komunikasi - -
/ Communication
Allowance
3 Fasilitas Kesehatan / 1. Fasilitas kesehatan rawat Inap dan rawat Jalan diberikan dalam bentuk penggantian biaya kesehatan; / Inpatient
Medical facility and outpatient health facilities are provided in the form of reimbursement for health costs;
2. Diberikan kepada Dewan Komisaris dan Direksi beserta keluarganya (pasangan dan maksimum 3 orang anak di
bawah 25 tahun atau belum bekerja dan belum menikah); / Given to the Board of Commissioners and Directors
and their families (spouse and maximum 3 children under 25 years old or not working and not married);
3. Perawatan/Kesehatan Gigi; / Dental Care/Health;
4. Penggantian Lensa dan bingkai kacamata. / Replacement of lenses and glasses frames.
Bantuan Hukum / Legal Fasilitas bantuan hukum kepada anggota Dewan Komisaris dan Direksi diberikan sesuai kebutuhan / Legal aid/
Assistance assistance facilities for members of the Board of Commissioners and Board of Directors are provided as needed
Kendaraan Dinas / Program kepemilikan Mobil (Car ownership program) yang -
Service vehicle berlaku dengan ketentuan sebagai berikut: / Car ownership
program that applies with the following conditions:
- Peserta program berhak atas kepemilikan mobil dinas
jabatan apabila telah menyelesaikan masa jabatannya
selama 3 (tiga) tahun; / program participants are entitled to
ownership of official cars if they have completed their term
of office for 3 (three) years;
- BBM, pengemudi, Biaya pemeliharaan, Biaya pajak/STNK,
biaya asuransi selama menjalankan tugas ditanggung
perusahaan. / Fuel, drivers, maintenance costs, tax/ STNK
fees, insurance costs while carrying out duties are borne by
the company.
4 Tantiem Penetapan tantiem diberikan dalam bentuk tunai dengan mempertimbangkan peningkatan kinerja dan kemampuan
perusahaan. / The bonus is determined in cash by taking into account the increase in the company’s performance
and capabilities.
Indikator Penetapan Remunerasi Dewan Komisaris dan Indicators for Determining Remuneration for the Board of
Direksi Commissioners and Board of Directors
Indikator yang digunakan dalam menentukan remunerasi The indicators used in determining the remuneration for
anggota Dewan Komisaris dan Direksi adalah sebagai berikut: members of the Board of Commissioners and Board of
Directors are as follows:
1. Key Performance Indicator (KPI) atau hasil penilaian 1. Key Performance Indicator (KPI) or the results of the
kinerja dan prestasi Dewan Komisaris dan Direksi; assessment of the performance and achievements of the
Board of Commissioners and Board of Directors;
2. Kinerja Bank; 2. Bank performance;
3. Perkembangan bisnis Bank; 3. Development of the Bank’s business;
4. Hasil perbandingan remunerasi industri perbankan; 4. Comparison results of banking industry remuneration;
5. Pertimbangan sasaran dan strategi jangka panjang 5. Consideration of the Company’s long-term goals and
Perusahaan. strategies.
400 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Nominal/Komponen Remunerasi Dewan Komisaris dan Board of Commissioners and Board of Directors
Direksi Remuneration Amount/Component
Nominal rincian komponen remunerasi masing-masing Details of remuneration amount and component of each
Dewan Komisaris dan Direksi tahun 2023 adalah sebagai Board of Commissioners and Board of Directors in 2023 are
berikut: as follows
Tunjangan / Allowance
Nama / Jabatan / Gaji /
THR Tantiem
Name Position Salary Perumahan / Transportasi / Purna Jabatan / Komunikasi /
Housing Transport Retirement Communication
Komisaris Utama
Muhamad Sidik
Heruwibowo
/ President - – -
Commissioner
Komisaris
Eko B. Independen /
Supriyanto Independent
- -
Commissioner
Komisaris
Retno Wahyuni Independen /
Wijayanti Independent
- - -
Commissioner
Komisaris
Johanes
Independen /
Kuntjoro
Independent
- - -
Adisardjono
Commissioner
Achmad F.C Komisaris /
Barir Independent
- -
Direktur Utama
Ida Bagus Ketut
Subagia
/ President - - -
Director
Direktur Retail
Agri dan
Dedy
Hendrianto
Pendanaan / - - - -
Director of Retail
Agri and Funding
Direktur Digital
Bhimo Wikan dan Operasional /
Hantoro Director of Digital
- - - -
and Operations
Direktur
Enterprise Risk
Management,
Compliance
& Human
Danar Resources /
Widyantoro Director of
- - -
Enterprise Risk
Management,
Compliance
and Human
Resources
Direktur
Rustarti Suri Keuangan /
Pertiwi Director of
- - -
Finance
Diatas Di atas Rp1 miliar s.d Rp2 miliar / Rp1 billion to Rp2 billion 0 0
Diatas Di atas Rp500 juta s.d Rp1 miliar / Rp500 million to Rp1 billion 5 0
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 401
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam melakukan pengawasan terhadap pengelolaan Bank, In supervising the management of the Bank, the Board
Dewan Komisaris dibantu oleh Komite-komite di bawah of Commissioners is assisted by the Committees under
Dewan Komisaris. Komite-komite di bawah Dewan Komisaris the Board of Commissioners, which consist of the Audit
terdiri dari Komite Audit, Komite Nominasi dan Remunerasi, Committee, the Nomination and Remuneration Committee,
dan Komite Pemantau Risiko. and the Risk Monitoring Committee.
KOMITE AUDIT
Audit Committee
Komite Audit merupakan komite di bawah Dewan Komisaris The Audit Committee is a committee under the Board of
yang memiliki tugas dan tanggung jawab untuk melakukan Commissioners which has the duties and responsibilities of
pengawasan atas efektivitas sistem pengendalian internal, supervising the effectiveness of the internal control system,
manajemen risiko, internal audit, proses pelaporan keuangan. risk management, internal audit, and financial reporting
processes.
402 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Piagam Komite Audit disahkan dalam risalah rapat Dewan The Audit Committee Charter was ratified in the minutes of
Komisaris No. 81/SDK-XII/2021 tanggal 29 Desember 2021 the Board of Commissioners meeting no. 81/SDK-XII/2021
tentang update Pedoman Kerja Dewan Komisaris, Komite dan dated December 29, 2021 concerning updates to the Work
Sekretaris Dewan Komisaris dan yang terakhir adalah Surat Guidelines for the Board of Commissioners, Committees and
Keputusan Dewan Komisaris No Kpts B.01/KOM/ SKP/12/2021 Secretaries of the Board of Commissioners and the latest is
tanggal 29 Desember 2021 tentang Pedoman dan Tata Kerja the Decree of the Board of Commissioners No Kpts B.01/KOM/
Dewan Komisaris, Komite Audit, Komite Remunerasi dan SKP/12/2021 dated December 29, 2021 concerning Guidelines
Nominasi, Komite Pemantau Risiko dan Sekretaris Dewan and Work Procedures of the Board of Commissioners, Audit
Komisaris. Piagam Komite Audit ditinjau kembali secara Committee, Remuneration and Nomination Committee,
berkala untuk menyesuaikan dengan ketentuan yang berlaku. Risk Monitoring Committee and Secretary to the Board of
Commissioners. The Audit Committee Charter is reviewed
periodically to comply with applicable regulations.
KRITERIA ANGGOTA KOMITE AUDIT CRITERIA FOR MEMBERS OF THE AUDIT COMMITTEE
Dalam menentukan keanggotaan Komite Audit, Perusahaan In selecting the members of the Audit Committee, the
memiliki kriteria sebagai persyaratan untuk menjadi anggota Company has criteria as requirements to be a member of the
Komite Audit. Kriteria anggota Komite Audit adalah sebagai Audit Committee. The criteria for Audit Committee members
berikut: are as follows:
1. Wajib memiliki integritas yang tinggi, akhlak dan moral 1. Must have high integrity, good character and morals,
yang baik, kemampuan, pengetahuan, pengalaman ability, knowledge, experience in accordance with the
sesuai dengan bidang pekerjaannya, serta mampu field of work, and be able to communicate well;
berkomunikasi dengan baik;
2. Bukan merupakan orang yang bekerja atau mempunyai 2. Not a person who works or has the authority and
wewenang dan tanggung jawab untuk merencanakan, responsibility to plan, lead, control, or supervise the
memimpin, mengendalikan, atau mengawasi kegiatan activities of the Company within the last 6 (six) months
Perusahaan dalam waktu 6 (enam) bulan terakhir kecuali except for an Independent Commissioner;
Komisaris Independen;
3. Bukan merupakan orang dalam kantor akuntan publik, 3. Not a person in a public accounting firm, legal consulting
kantor konsultan hukum, kantor jasa penilai publik firm, public appraisal service office or other party
atau pihak lain yang memberi jasa asuransi, jasa non- providing insurance services, non-insurance services,
asuransi, jasa penilai dan/atau jasa konsultasi lain kepada appraisal services and/or other consulting services to
Perusahaan dalam waktu 6 (enam) bulan terakhir; the Company within the last 6 (six) months;
4. Wajib memahami laporan keuangan, bisnis perusahaan 4. Required to understand financial reports, company
khususnya yang terkait dengan layanan jasa atau kegiatan business, especially those related to services or
usaha Perseroan, proses audit, manajemen risiko, dan business activities of the Company, audit processes,
peraturan perundang-undangan di bidang pasar modal risk management, and laws and regulations in the
serta peraturan perundang-undangan terkait lainnya; capital market sector as well as other related laws and
regulations;
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
5. Wajib mematuhi kode etik Komite audit yang ditetapkan 5. Must comply with the audit Committee code of ethics
oleh Perusahaan; established by the Company;
6. Bersedia meningkatkan kompetensi secara terus 6. Will to improve competency continuously through
menerus melalui pendidikan dan pelatihan; education and training;
7. Wajib memiliki paling kurang satu anggota yang berlatar 7. Must have at least one member with an educational
belakang pendidikan dan keahlian di bidang akuntansi background and expertise in accounting and/or finance;
dan/ atau keuangan;
8. Tidak mempunyai saham langsung maupun tidak 8. Do not have shares directly or indirectly in the Company;
langsung pada Perseroan;
9. Dalam hal anggota Komite audit memperoleh saham 9. In the event that a member of the audit committee obtains
Perusahaan baik langsung maupun tidak langsung the Company’s shares either directly or indirectly as a
akibat suatu peristiwa hukum, maka saham tersebut result of a legal event, the shares must be transferred to
wajib dialihkan kepada pihak lain dalam jangka waktu another party within a maximum period of 6 (six) months
paling lama 6 (enam) bulan setelah diperolehnya saham after the acquisition of the shares;
tersebut;
10. Tidak mempunyai hubungan afiliasi dengan anggota 10. Has no affiliation with members of the Board of
Dewan Komisaris, anggota Direksi, atau Pemegang Commissioners, members of the Board of Directors, or
Saham utama Perusahaan; the main shareholder of the Company;
11. Tidak mempunyai hubungan usaha baik langsung maupun 11. Has no direct or indirect business relationship related to
tidak langsung yang berkaitan dengan kegiatan usaha the Company’s business activities.
Perusahaan.
404 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Di tahun 2023, komposisi Komite Audit Bank Raya adalah In 2023, the composition of the Bank Raya Audit Committee
sebagai berikut is as follows:
Periode 01 Januari – 09 Juli 2023 January 1 – July 9, 2023 period
Jabatan
Posisi /
Nama / / Position Dasar Hukum Pengangkatan / Keahlian / Masa Jabatan /
Position at the
Name at the Legal Basis of Appointment Expertise Term Of Office
Bank
Committee
Pertanian,
Surat Keputusan Direksi No. Kpts R.171/
Komisaris Perikanan dan
Dir.03.04/HCP/ PHC/05/2021 tanggal 6 Mei 19 Juli 2021 s.d 3
Ketua / Independen / Kebijakan Publik
Rina Sa’adah 2021 / Board of Directors Decree No. Kpts tahun / July 19,
Head Independent / Agriculture,
R.171/Dir.03.04/HCP/ PHC/05/2021 dated 2021 until 3 years
Commissioner Fisheries and
May 6, 2021
Public Policy
Surat Keputusan Direksi No. Kpts R.171/ Perbankan/
Komisaris
Dir.03.04/HCP/ PHC/05/2021 tanggal 6 Mei Keuangan, 23 Juli 2021 s.d 3
Anggota / Independen /
Eko B. Supriyanto 2021 / Board of Directors Decree No. Kpts Jurnalistik / tahun / July 23,
Member Independent
R.171/Dir.03.04/HCP/ PHC/05/2021 dated Banking/Finance, 2021 until 3 years
Commissioner
May 6, 2021 Journalism
Perbankan/
Surat Keputusan Direksi No. Kpts R.171/
Pihak Keuangan, Audit 01 April 2019 s.d
Dir.03.04/HCP/ PHC/05/2021 tanggal 6 Mei
Anggota / Independen / dan Kepatuhan 31 Maret 2023 /
Antonius Suryanta 2021 / Board of Directors Decree No. Kpts
Member Independent / Banking/ April 1, 2019 to
R.171/Dir.03.04/HCP/ PHC/05/2021 dated
Party Finance, Audit and March 31, 2023
May 6, 2021
Compliance
Perbankan/
Surat Keputusan Direksi No. Kpts R.171/
Pihak Keuangan, Audit, 01 April 2021 s.d
Dir.03.04/HCP/ PHC/05/2021 tanggal 6 Mei
Anggota / Independen / dan Manajemen 31 Maret 2023 /
Ari Setyo Wibowo 2021 / Board of Directors Decree No. Kpts
Member Independent Risiko / Banking/ April 1, 2021 to
R.171/Dir.03.04/HCP/ PHC/05/2021 dated
Party Finance, Audit, and March 31, 2023
May 6, 2021
Risk Management
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 405
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
406 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
ANTONIUS
SURYANTA
Anggota Komite Audit
Member of the Audit Committee
Surat Keputusan Direksi No.Kpts.R.311/Dir.01.04/HCP/10/2023 Tanggal 09 Oktober 2023 tentang Susunan Anggota
Dasar Hukum /
Komite Audit / Board of Directors Decree No.Kpts.R.311/Dir.01.04/HCP/10/2023 dated October 9, 2023 on Audit
Legal Basis
Committee Membership Composition
Periode / Period 1 April 2023 s.d 31 Maret 2024/ April 1, 2023 to March 31, 2024
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 407
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
ARI SETYO
WIBOWO
Anggota Komite Audit
Member of the Audit Committee
Surat Keputusan Direksi No.Kpts.R.311/Dir.01.04/HCP/10/2023 Tanggal 09 Oktober 2023 tentang Susunan Anggota
Dasar Hukum /
Komite Audit / Board of Directors Decree No.Kpts.R.311/Dir.01.04/HCP/10/2023 dated October 9, 2023 on Audit
Legal Basis
Committee Membership Composition
Periode / Period 1 April 2023 s.d 31 Maret 2025 / April 1, 2022 to March 31, 2025
408 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 409
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tidak memiliki hubungan kepengurusan dengan Perusahaan. / Has no management relationship with the Company √
Tidak memiliki saham langsung maupun tidak langsung di Perusahaan / Has no shares directly or indirectly in the
√
Company
410 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
1 02 Februari 2023 / February 2, 2023 Rapat Internal Komite Audit Bank Raya / Bank Raya Internal Audit Committee Meeting
LAPORAN PELAKSANAAN TUGAS KOMITE AUDIT REPORT ON THE IMPLEMENTATION OF THE AUDIT
COMMITTEE’S DUTIES
Di tahun 2023, Komite Audit telah menjalankan tugas dan In 2023, the Audit Committee has carried out its duties and
tanggung jawabnya dengan melaksanakan kegiatan sebagai responsibilities by carrying out the following activities:
berikut:
1. Memberikan rekomendasi atas pengangkatan Kepala 1. Provide recommendations for the appointment of Bank
SKAI Bank Raya Raya SKAI Head
2. Memberikan rekomendasi atas penunjukan Kantor 2. Provide recommendations for the appointment of Public
Akuntan Publik untuk melakukan audit atas Laporan Accounting Firm to audit Bank Raya’s 2023 Financial
Keuangan Tahun 2023 Bank Raya. Statements.
3. Memberikan evaluasi Kantor Akuntan Publik yang telah 3. Evaluate the Public Accounting Firm auditing Bank Raya’s
melakukan audit atas Laporan Keuangan Bank Raya 2022 Financial Statements.
Tahun 2022.
4. Memberikan rekomendasi atas penunjukan Konsultan 4. Provide recommendations for the appointment of
Kaji Ulang fungsi Audit Intern. Consultant to Review the Internal Audit function.
5. Memberikan rekomendasi atas revisi Perencanaan Audit 5. Provide recommendations on the revision of the 2023
Tahunan (PAT) tahun 2023 SKAI Bank Raya. Annual Audit Planning (PAT) of Bank Raya SKAI.
6. Memberikan rekomendasi atas Piagam Audit Intern 6. Provide recommendations on the 2023 Internal Audit
Tahun 2023. Charter.
7. Memberikan rekomendasi atas Perencanaan Audit 7. Provide recommendations for the 2024 Annual Audit
Tahunan (PAT) tahun 2024. Planning (PAT).
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 411
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, anggota Komite Audit telah mengikuti program In 2023, Audit Committee members participated in the
pelatihan dan pengembangan kompetensi sebagai berikut: following training and competency development programs:
Materi Pendidikan dan
Nama dan Jabatan / Jenis Pelatihan / Tempat dan Waktu / Penyelenggara /
Pelatihan / Education and
Name and Position Type of Training Place and Time Organizer
Training Materials
Rina Sa’adah - - - -
Muhamad Sidik • Training Refreshment • Refreshment Sertifikasi • Online, 6 Juli 2023 / • efektif Pro
Heruwibowo Manajemen Risiko Level I-V. Online, July 6, 2023
/ Level IV Risk Management
Certification Refreshment.
• Training Refreshment • Refreshment Manajemen • Online, 25 Mei 2023 / • LPPI
Risiko For BOC. / Risk Online, May 25, 2023
Management Refreshment
For BOC.
• Training • Executive Overview for BOC • Jakarta, 13 & 21 Juli • LPPI
2023 / Jakarta, July
13 & 21, 2023
• Konferensi Auditor Internal / • Building Resilience in Tuna • Yogyakarta, 5-6 Juli • YPIA
Internal Auditor Conference World: “Control Your Future 2023 / Yogyakarta,
or Someone Else Will” July 5-6 2023
• Seminar Nasional Internal • “Trusted Advisor: Navigating • Bali, 6-7 Desember • YPIA
Audit / National Internal Audit The New Frontier” 2023 / Bali, December
Seminar 6-7 2023
• In House Training Dewan • Refreshment Program APU- • Online, 27 Desember • Genesisi Inti
Direksi & Dewan Komisaris PPT & PPPSPM, P2SK & 2023 / Online, Utama
/ In House Training for the Tata Kelola / Refreshment of December 27, 2023
Board of Directors & Board of AML-CFT & PPPSPM, P2SK &
Commissioners Governance Programs
• In House Training Dewan • POJK IT, UU P2SK, dan • Online, 29 Desember • Genesisi Inti
Direksi & Dewan Komisaris Perbankan Digital / POJK 2023 / Online, Utama
/ In House Training for the IT, P2SK Law, and Digital December 29, 2023
Board of Directors & Board of Banking
Commissioners
412 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Komite Remunerasi dan Nominasi adalah salah satu Komite The Remuneration and Nomination Committee is one of the
yang dibentuk oleh Dewan Komisaris untuk mendukung Committees established by the Board of Commissioners
efektivitas pelaksanaan tugas dan tanggung jawab Dewan to support the effectiveness of the implementation of the
Komisaris, khususnya yang terkait dengan bidang remunerasi duties and responsibilities of the Board of Commissioners,
dan nominasi. Bank membentuk Komite Remunerasi dan especially those related to remuneration and nomination.
Nominasi sebagai organ pendukung bagi Dewan Komisaris The Bank established the Remuneration and Nomination
dalam melaksanakan fungsi remunerasi dan nominasi. Committee as a supporting organ for the Board of
Commissioners in carrying out the remuneration and
nomination functions.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 413
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3. Peraturan OJK No. 34/POJK.04/2014 tanggal 8 Desember 3. OJK Regulation No. 34/POJK.04/2014 dated 8 December
2014 tentang Komite Nominasi dan Remunerasi Emiten 2014 concerning the Nomination and Remuneration
atau Perusahaan Publik; Committee of Issuers or Public Companies;
4. SEOJK No.13/SEOJK.03/2017 tentang Penerapan Tata 4. SEOJK No.13/SEOJK.03/2017 concerning Implementation
Kelola Bagi Bank Umum; of Governance for Commercial Banks;
5. Anggaran Dasar Bank Raya terakhir yang dituangkan 5. The latest Articles of Association of Bank Raya as
dalam Akta No.18 tanggal 27 April 2021, dibuat di hadapan set forth in Deed No. 18 dated April 27, 2021, made
Mochamad Nova Faisal, S.H., M.K.n., Notaris di Jakarta. before Mochamad Nova Faisal, S.H., M.K.n., Notary in
dan telah mendapatkan persetujuan dari Menteri Hukum Jakarta. and has obtained approval from the Minister
dan Hak asasi Manusia Republik Indonesia No.AHU- of Law and Human Rights of the Republic of Indonesia
AH.01.03.0271778 Tahun 2021 tanggal 28 April 2021. No.AHUAH.01.03.0271778 of 2021 dated April 28, 2021.
PIAGAM KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE CHARTER
Pedoman Kerja Komite Remunerasi dan Nominasi yang telah The Remuneration and Nomination Committee Work
direvisi sesuai dengan risalah rapat Dewan Komisaris No. Guidelines which have been revised in accordance with
81/SDK-XII/2021 tanggal 29 Desember 2021 tentang update the minutes of the Board of Commissioners’ meeting No.
Pedoman Kerja Dewan Komisaris, Komite dan Sekretaris 81/SDK-XII/2021 dated December 29, 2021 regarding the
Dewan Komisaris dan yang terakhir adalah Surat Keputusan update of Work Guidelines for the Board of Commissioners,
Dewan Komisaris No Kpts B.01/KOM/ SKP/12/2021 tanggal Committees and Secretary to the Board of Commissioners
29 Desember 2021 tentang Pedoman dan Tata Kerja Dewan and the last is the Decree of the Board of Commissioners
Komisaris, Komite Audit, Komite Remunerasi dan Nominasi, No. Kpts B.01/KOM/SKP/12/2021 dated December 29, 2021
Komite Pemantau Risiko dan Sekretaris Dewan Komisaris. concerning Guidelines and Working Procedures of the Board
Piagam Komite Remunerasi dan Nominasi akan ditinjau of Commissioners, Audit Committee, Remuneration and
kembali secara berkala untuk menyesuaikan dengan Nomination Committee, Risk Monitoring Committee and
ketentuan yang berlaku. Secretary to the Board of Commissioners. The Remuneration
and Nomination Committee Charter will be reviewed
periodically to comply with applicable regulations.
Pedoman kerja Komite Remunerasi dan Nominasi berisikan The Remuneration and Nomination Committee work
antara lain: guidelines contain among others:
1. Dasar hukum; 1. Legal Basis;
2. Tugas, tanggung jawab dan kewenangan; 2. Duties, responsibilities and authorities;
3. Organisasi; 3. Organization;
4. Etika kerja; 4. Work ethics;
5. Waktu kerja; 5. Working time;
6. Rapat; 6. Meeting;
7. Korespondensi; 7. Correspondence;
8. Pelaporan. 8. Reporting.
414 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
KOMPOSISI KOMITE REMUNERASI DAN NOMINASI COMPOSITION OF THE REMUNERATION AND NOMINATION
COMMITTEE
Susunan Keanggotaan Komite Remunerasi dan Nominasi The composition of the Remuneration and Nomination
adalah sebagai berikut: Committee is as follows:
1. Anggota Komite Remunerasi dan Nominasi paling kurang 1. Members of the Remuneration and Nomination
terdiri dari 3 (tiga) orang, salah satu di antaranya adalah Committee consist of at least 3 (three) people, one of
Komisaris Independen yang akan bertindak sebagai whom is an Independent Commissioner who will act as
Ketua Komite; Chair of the Committee;
2. Anggota Komite paling kurang terdiri dari: 2. Committee members at least consist of:
- Seorang Komisaris Independen; - An Independent Commissioner;
- Seorang Komisaris; - A Commissioner;
- Pejabat eksekutif yang membawahi unit kerja Sumber - Executive officer in charge of the Human Resources
Daya Manusia; work unit;
- Apabila dipandang perlu anggota Komite dapat - If deemed necessary, members of the Committee
berasal dari pihak independen. may come from independent parties.
3. Dalam hal anggota Komite Remunerasi dan Nominasi 3. In the event that there are more than 3 (three) members
ditetapkan lebih dari 3 (tiga) orang maka anggota of the Remuneration and Nomination Committee, the
Komisaris Independen paling sedikit berjumlah 2 (dua) members of the Independent Commissioners are at
orang. Komite diketuai oleh Komisaris Independen least 2 (two) people. The Committee is chaired by an
merangkap sebagai anggota; Independent Commissioner who is also a member;
4. Ketua Komite dilarang merangkap jabatan sebagai Ketua 4. The Chairperson of the Committee is prohibited from
Komite lain lebih dari 1 (satu) pada komite lainnya; concurrently holding more than 1 (one) position as Chair
of another Committee in another committee;
5. Semua anggota Komite dipilih oleh Dewan Komisaris 5. All Committee members are elected by the Board of
melalui mekanisme perekrutan dan seleksi; Commissioners through a recruitment and selection
mechanism;
6. Persyaratan keanggotaan: 6. Membership requirements:
- Anggota Komite wajib memiliki integritas, akhlak, dan - Committee members must have good integrity,
moral yang baik; character and morals;
- Wajib memiliki kemampuan, pengetahuan, - Must have the ability, knowledge, experience in
pengalaman sesuai dengan pekerjaannya, serta accordance with the job, and be able to communicate
mampu berkomunikasi dengan baik; well;
- Bersedia meningkatkan kompetensi secara terus- - Will to improve competency continuously through
menerus melalui pendidikan dan pelatihan. education and training;
- Anggota Direksi dilarang menjadi anggota Komite - Members of the Board of Directors are prohibited
Remunerasi dan Nominasi. from becoming members of the Remuneration and
Nomination Committee.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 415
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, komposisi anggota Komite Remunerasi dan The composition of Bank Raya Remuneration and Nomination
Nominasi Bank Raya adalah sebagai berikut: Committee members in 2023 is as follows:
416 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Jabatan
Posisi /
Nama / / Position Dasar Hukum Pengangkatan / Keahlian / Masa Jabatan /
Position at the
Name at the Legal Basis of Appointment Expertise Term Of Office
Bank
Committee
Surat Keputusan Direksi No.Kpts.R.164/
Dir.01.03/HCP/05/2023 Tanggal 19 Mei
Perbankan/ 08 Maret 2021
Komisaris 2023 tentang Susunan Anggota Komite
Keuangan, s.d 07 Maret
Anggota / Independen / Remunerasi dan Nominasi / Board of
Eko B. Supriyanto Jurnalistik / 2025 / March 08,
Member Independent Directors Decree No.Kpts.R.164/Dir.01.03/
Banking/Finance, 2021 until March
Commissioner HCP/05/2023 dated May 19, 2023 on
Journalism 07, 2025
Nomination and Remuneration Committee
Membership Composition
Pejabat Surat Keputusan Direksi No.Kpts.R.164/
Eksekutif Dir.01.03/HCP/05/2023 Tanggal 19 Mei
Perbankan/
Kepala Divisi 2023 tentang Susunan Anggota Komite
Keuangan dan
Asep Iksan Anggota / Human Capital Remunerasi dan Nominasi / Board of
Human Capita / Ex-Officio
Iskandar Member / Executive Directors Decree No.Kpts.R.164/Dir.01.03/
Banking/Finance
Officer Head of HCP/05/2023 dated May 19, 2023 on
and Human Capital
Human Capital Nomination and Remuneration Committee
Division Membership Composition
PROFIL KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE PROFILE
Ketua Komite Remunerasi dan Nominasi Head of the Remuneration and Nomination Committee
Nama / Name Rama G. Notowidigdo
Jabatan / Position Ketua Komite Remunerasi dan Nominasi / Head of the Remuneration and Nomination Committee
Dasar Hukum / Legal Surat Keputusan Direksi No. Kpts. R.406/Dir.01.02/HCP/09/2022 Tanggal 05 September 2022 / Board of Directors
Basis Decree No. Kpts. R.169/Dir.03.04/HCP/ PHC/05/2021 dated May 6, 2021
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Jabatan / Position Ketua Komite Remunerasi dan Nominasi / Head of the Remuneration and Nomination Committee
Surat Keputusan Direksi No.Kpts.R.164/Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 tentang Susunan Anggota
Dasar Hukum / Legal
Komite Remunerasi dan Nominasi / Board of Directors Decree No.Kpts.R.164/Dir.01.03/HCP/05/2023 dated May 19,
Basis
2023 on Nomination and Remuneration Committee Membership Composition
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / Her profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Anggota Komite Remunerasi dan Nominasi Members of the Remuneration and Nomination Committee
Nama / Name Rudhy Sidharta
Jabatan / Position Anggota Komite Remunerasi dan Nominasi / Member of the Remuneration and Nomination Committee
Dasar Hukum / Legal Surat Keputusan Direksi No. Kpts. R.185/Dir.01.03/HCP/28 April 2022 / Board of Directors Decree No. Kpts. R.185/
Basis Dir.01.03/HCP/April 28, 2022
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 417
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jabatan / Position Anggota Komite Remunerasi dan Nominasi / Member of the Remuneration and Nomination Committee
Surat Keputusan Direksi No.Kpts.R.164/Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 tentang Susunan Anggota
Dasar Hukum / Legal
Komite Remunerasi dan Nominasi / Board of Directors Decree No.Kpts.R.164/Dir.01.03/HCP/05/2023 dated May 19,
Basis
2023 on Nomination and Remuneration Committee Membership Composition
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Jabatan / Position Anggota Komite Remunerasi dan Nominasi / Member of the Remuneration and Nomination Committee
Surat Keputusan Direksi No.Kpts.R.164/Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 tentang Susunan Anggota
Dasar Hukum / Legal
Komite Remunerasi dan Nominasi / Board of Directors Decree No.Kpts.R.164/Dir.01.03/HCP/05/2023 dated May 19,
Basis
2023 on Nomination and Remuneration Committee Membership Composition
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
YUDI
MALELA
Anggota Komite Remunerasi dan
Nominasi
Member of the Remuneration and
Nomination Committee
Surat Keputusan Direksi No.Kpts.R.164/Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 tentang Susunan Anggota
Dasar Hukum /
Komite Remunerasi dan Nominasi / Board of Directors Decree No.Kpts.R.164/Dir.01.03/HCP/05/2023 dated May 19,
Legal Basis
2023 on Nomination and Remuneration Committee Membership Composition
Periode / Period 8 Maret 2023 s.d 7 Maret 2025 / March 8, 2023 to March 7, 2025
418 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
KEWENANGAN KOMITE REMUNERASI DAN NOMINASI AUTHORITY OF THE REMUNERATION AND NOMINATION
COMMITTEE
Komite Remunerasi dan Nominasi memiliki wewenang The Remuneration and Nomination Committee has the
sebagai berikut: following authorities:
1. Memperoleh informasi yang relevan berkaitan dengan 1. Obtain relevant information relating to the implementation
pelaksanaan tugasnya dari pihak internal maupun of their duties from internal and external parties;
eksternal;
2. Memberikan pendapat dan rekomendasi kepada Dewan 2. Provide opinions and recommendations to the Board of
Komisaris dalam rangka memastikan kecukupan Commissioners in order to ensure the adequacy of the
Kebijakan remunerasi dan nominasi; remuneration and nomination policies;
3. Melakukan kewenangan lain yang diberikan oleh Dewan 3. Carry out other authorities granted by the Board of
Komisaris. Commissioners.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 419
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
INDEPENDENSI KOMITE REMUNERASI DAN NOMINASI INDEPENDENCE OF THE REMUNERATION AND NOMINATION
COMMITTEE
Setiap anggota Komite Remunerasi dan Nominasi diwajibkan Each member of the Remuneration and Nomination
memberikan pernyataan independensi, yang diperbarui Committee is required to provide a statement of
setiap tahun. Independensi Komite Remunerasi dan independence, which is updated annually. The independence
Nominasi Perusahaan adalah sebagai berikut: of the Company’s Remuneration and Nomination Committee
is as follows:
Komite
Remunerasi
Independensi / dan Nominasi /
Independence Remuneration
and Nomination
Committee
Tidak memiliki hubungan afiliasi dengan kantor akuntan publik yang memberikan jasa audit dan/ atau non-audit
kepada Perusahaan / Has no affiliation with a public accounting firm that provides audit and/or non-audit services to √
the Company
Tidak memiliki memiliki hubungan afiliasi dengan Pemegang Saham, Dewan Komisaris, serta Direksi / Has no affiliation
√
with Shareholders, Board of Commissioners and Board of Directors.
Tidak memiliki hubungan usaha secara langsung dan tidak langsung dengan Perusahaan / Has no direct or indirect
√
business relationship with the Company
Tidak memiliki hubungan kepengurusan dengan Perusahaan / Has no management relationship with the Company √
Tidak memiliki saham langsung maupun tidak langsung di Perusahaan / Does not own shares directly or indirectly in
√
the Company
RAPAT KOMITE REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE MEETING
Rapat Komite Remunerasi dan Nominasi diadakan Meetings of the Remuneration and Nomination Committee
minimal satu kali dalam 4 bulan yang dipimpin oleh Ketua are held at least once in 4 months chaired by the Chair of
Komite remunerasi dan nominasi. Keputusan rapat the Remuneration and Nomination Committee. Decisions
Komite Remunerasi dan Nominasi dilakukan berdasarkan of the Remuneration and Nomination Committee meetings
musyawarah mufakat, dan apabila tidak tercapai kesepakatan, are made based on deliberation for consensus, and if no
maka pengambilan keputusan dilakukan berdasarkan suara agreement is reached, then the decision is made based
terbanyak. Hasil rapat Komite Remunerasi dan Nominasi on the majority vote. The results of the Remuneration and
akan disampaikan kepada Dewan Komisaris. Nomination Committee meeting will be submitted to the
Board of Commissioners.
Rapat Komite Remunerasi dan Nominasi dan hanya dapat Remuneration and Nomination Committee Meetings can only
diselenggarakan apabila: be held if:
a. Dihadiri oleh mayoritas dari jumlah anggota Komite a. Attended by a majority of the number of members of the
Remunerasi dan Nominasi (paling sedikit 51% dari jumlah Remuneration and Nomination Committee (at least 51%
anggota); of the total members);
b. Salah satu dari mayoritas jumlah anggota Komite b. One of the majority members of the Remuneration and
Remunerasi dan Nominasi sebagaimana dimaksud pada Nomination Committee as referred to in letter (a) is the
huruf (a) merupakan Ketua Komite Remunerasi dan Chair of the Remuneration and Nomination Committee.
Nominasi.
420 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Frekuensi Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meeting
Frequency
Di tahun 2023, Komite Remunerasi dan Nominasi telah In 2023, the Remuneration and Nomination Committee held
menyelenggarakan rapat komite sebanyak 13 (tiga belas) kali 13 (thirteen) meetings. The attendance frequency of each
rapat. Frekuensi kehadiran masing-masing anggota Komite member of the Remuneration and Nomination Committee is
Remunerasi dan Nominasi dalam rapat adalah sebagai as follows:
berikut:
Kehadiran Dalam Rapat / Atendance In Meeting
Nama / Jabatan /
Presentase (%)
Name Position Jumlah Rapat / Kehadiran /
/ Percentage
Total Meeting Attendane
(%)
Rama G. Notowidigdo* Ketua / Head 3 3 100%
Agenda Rapat Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Meeting Agenda
No Tanggal / Date Agenda Rapat / Meeting Agenda
Pembahasan Struktur Organisasi dan Keanggotaan Komite Pengarah Teknologi Sistem
Informasi serta pembahasan tindak lanjut temuan OJK Bidang IT / Discussion of the
1 27 Maret 2023 / March 27, 2023
Organizational Structure and Membership of the Information Systems Technology Steering
Committee as well as discussion of follow-up to OJK findings in the IT Sector
Pembahasan Komposisi Pekerja, KPI Divisi dan tindak lanjut pembahasan Komite Pengarah
2 05 April 2023 / April 5, 2023 Teknologi Sistem Informasi Bank Raya / Discussion of Worker Composition, Division KPI and
follow-up discussion of the Bank Raya Information Systems Technology Steering Committee
Rekomendasi Perubahan Pengurus Bank Raya / Recommendations for Changes in Bank Raya
3 8 Mei 2023 / May 8, 2023
Management
Pembahasan / Discussion
1. Revisi RBB Bank Raya Tahun 2021 / Revision of Bank Raya RBB 2021
2. Revamp Network
4 14 Juni 2023 / June 14, 2023
3. Struktur Organisasi dan Keanggotaan Komite Pengarah Teknologi Sistem Informasi Bank
Raya / Organizational Structure and Membership of the Bank Raya Information Systems
Technology Steering Committee
Usulan Remunerasi Tahun Buku 2023 & Insentif Kinerja Pengurus Tahun Buku 2022 Bagi
5 7 Juni 2023 / June 7, 2023 Direksi dan Dewan Komisaris / Proposed Remuneration for Fiscal Year 2023 & Management
Performance Incentives for Fiscal Year 2022 for Directors and Board of Commissioners
1. Rencana Strategi, Perumusan Kebijakan, Standar dan Prosedur TI Bank Raya serta
penerapannya / Strategy Plan, Policy Formulation, Bank Raya IT Standards and Procedures
6 3 Juli 2023 / July 3, 2023 and their implementation
2. Pelaksanaan Tugas Komite Pengarah Teknologi Sistem Informasi Bank Raya / Implementation
of the Duties of the Bank Raya Information Systems Technology Steering Committee
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 421
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LAPORAN PELAKSANAAN TUGAS KOMITE REMUNERASI REPORT ON THE IMPLEMENTATION OF DUTIES OF THE
DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
Di tahun 2023, Komite Remunerasi dan Nominasi telah In 2023, the Remuneration and Nomination Committee
menjalankan tugas dan tanggung jawabnya dengan carried out its duties and responsibilities by carrying out the
melaksanakan kegiatan sebagai berikut: following activities:
Tugas/Kegiatan Yang Dilaksanakan / Waktu Pelaksanaan /
No
Duties/Activities Carried Out Implementation Date
Melakukan penilaian kinerja BOD dan BOC 2022 / Conducted performance assessment
1 Januari 2023 / January 2023
of the 2022 BOD and BOC
Evaluasi kebijakan Benefit dan Remunerasi Bank Raya / Evaluated Bank Raya’s Benefit
2 Februari 2023 / February 2023
and Remuneration policies
Memberikan saran / rekomendasi mengenai calon pengurus kepada Dewan Komisaris
3 / Provided suggestions/recommendations regarding prospective management to the Mei 2023 / May 2023
Board of Commissioners
Mengusulkan Penyesuaian Remunerasi Pengurus / Proposed Adjustments to
4 Juni 2023 / June 2023
Management Remuneration
Memberikan saran/rekomendasi mengenai calon pengurus kepada Dewan Komisaris
5 / Provided suggestions/recommendations regarding prospective management to the Oktober 2023 / October 2023
Board of Commissioners
422 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
KEBIJAKAN DAN BESARAN REMUNERASI BAGI KOMITE POLICY AND AMOUNT OF REMUNERATION FOR THE
REMUNERASI DAN NOMINASI REMUNERATION AND NOMINATION COMMITTEE
Bank memberikan kompensasi kepada anggota Komite The Bank provides compensation to members of the
Nominasi dan Remunerasi yang bukan anggota Dewan Nomination and Remuneration Committee who are not
Komisaris sesuai ketentuan yang berlaku. Di tahun 2023, members of the Board of Commissioners in accordance with
besaran remunerasi yang diberikan kepada anggota Komite applicable regulations. In 2023, the amount of remuneration
Nominasi dan Remunerasi adalah sebagai berikut: given to members of the Nomination and Remuneration
Committee is as follows:
Komite Remunerasi dan Nominasi /
Remunerasi & Fasilitas / Remuneration and Nomination Committee
Remuneration and Facilities
Jumlah / Total Rp (Juta / Million)
Di tahun 2023, anggota Komite Remunerasi dan Nominasi In 2023, members of the Remuneration and Nomination
telah mengikuti program pelatihan dan pengembangan Committee participated in the following training and
kompetensi sebagai berikut: competency development programs:
Materi Pendidikan dan
Nama dan Jabatan / Jenis Pelatihan / Tempat dan Waktu / Penyelenggara /
Pelatihan / Education and
Name and Position Type of Training Place and Time Organizer
Training Materials
Rama G. Notowidigdo - - - -
Rudhy Sidharta - - - -
Eko B. Supriyanto • Konferensi Nasional / National • Navigating Country Risk • Yogyakarta, 14-15 • LSPMR
Conference for Sustainable Growth: Desember 2023
Opportunities and Challenges / Yogyakarta,
• Refreshment Manajemen December 14-15, 2023
• Refreshment Risiko Jenjang 6 / Level 6 Risk • Jakarta, 27 Desember
Management Refreshment 2023 / Jakarta, 27 • LPPI
December 2023
Yudi Malela Seminar Peran Strategis BP Tapera Online, 12 Desember Infobank
dalam Ekosistem Perumahan 2023 / Online, December
Indonesia / BP Tapera’s 12, 2023
Strategic Role in the Indonesian
Housing Ecosystem
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 423
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
424 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Prosedur suksesi Direksi yang dilakukan Bank adalah sebagai The procedure for the succession of Directors carried out by
berikut: the Bank is as follows:
1. Komite Remunerasi dan Nominasi mengidentifikasi calon 1. The Remuneration and Nomination Committee identifies
yang memenuhi kriteria; candidates who meet the criteria;
2. Dewan Komisaris atas dasar saran dari Komite 2. The Board of Commissioners, on the basis of advice from
Remunerasi dan Nominasi menyampaikan usulan calon the Remuneration and Nomination Committee, submits
kepada Pemegang Saham; proposed candidates to the Shareholders;
3. Dalam RUPS dilakukan pengangkatan dan penetapan 3. In the GMS, the appointment and determination of the
suksesi Direksi; succession of the Board of Directors is carried out;
4. Calon yang telah disetujui diajukan ke OJK untuk fit and 4. Approved candidates are submitted to the FSA for a fit
proper test dan memberikan persetujuan calon pengurus and proper test and provide approval for prospective
Bank. bank management.
Komite Pemantau Risiko dibentuk oleh Dewan Komisaris The Board of Commissioners established the risk monitoring
dalam rangka membantu Dewan Komisaris menjalankan committee to support the Board of Commissioners in
tugas dan tanggung jawab Dewan Komisaris, khususnya yang carrying out its tasks and obligations, particularly those
terkait dengan bidang manajemen risiko. associated with risk management.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 425
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
6. Anggaran Dasar Bank Raya terakhir yang dituangkan 6. The latest Bank Raya Articles of Association as
dalam Akta No.18 tanggal 27 April 2021, dibuat di hadapan set forth in Deed No. 18 dated April 27, ,2021, made
Mochamad Nova Faisal, S.H., M.Kn., Notaris di Jakarta. before Mochamad Nova Faisal, S.H., M.K.n., Notary in
dan telah mendapatkan persetujuan dari Menteri Hukum Jakarta and has obtained approval from the Minister
dan Hak Asasi Manusia Republik Indonesia No.AHU- of Law and Human Rights of the Republic of Indonesia
AH.01.03.0271778 Tahun 2021 tanggal 28 April 2021. No.AHUAH.01.03.0271778 of 2021 dated April 28, 2021.
Piagam Komite Pemantau Risiko berisikan antara lain: The Risk Monitoring Committee Charter contains:
1. Dasar hukum; 1. Legal Basis;
2. Tugas, tanggung jawab dan kewenangan; 2. Duties, responsibilities and authorities;
3. Organisasi; 3. Organization;
4. Etika kerja; 4. Work ethics;
5. Waktu kerja; 5. Working time;
6. Rapat; 6. Meeting;
7. Korespondensi; 7. Correspondence;
8. Pelaporan 8. Reporting.
KRITERIA ANGGOTA KOMITE PEMANTAU RISIKO CRITERIA FOR MEMBERS OF THE RISK MONITORING
COMMITTEE
Dalam menentukan keanggotaan Komite Pemantau Risiko, In selecting the members of the Risk Monitoring Committee,
Perusahaan memiliki kriteria sebagai persyaratan untuk the Company has criteria as requirements to be a member of
menjadi anggota Komite Pemantau Risiko. Kriteria anggota the Risk Monitoring Committee. The criteria for members of
Komite Pemantau Risiko adalah sebagai berikut: the Risk Monitoring Committee are as follows:
1. Anggota Komite wajib memiliki integritas, akhlak, dan 1. Committee members must have good integrity, character
moral yang baik; and morals;
2. Wajib memiliki kemampuan, pengetahuan, pengalaman 2. Must have the ability, knowledge, experience in
sesuai dengan pekerjaannya serta mampu berkomunikasi accordance with the job and be able to communicate
dengan baik; well;
3. Bersedia meningkatkan kompetensi secara terus 3. Willing to improve competency continuously through
menerus melalui pendidikan dan pelatihan; education and training;
4. Anggota Direksi dilarang menjadi anggota Komite. 4. Members of the Board of Directors are prohibited from
becoming members of the Committee.
426 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 427
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, komposisi anggota Komite Pemantau Risiko In 2023, the composition of the members of the Bank Raya
Bank Raya adalah sebagai berikut: Risk Monitoring Committee is as follows:
Periode 01 Januari - 10 Mei 2023 January 1 – May 10, 2023 period
Jabatan
Posisi /
Nama / / Position Dasar Hukum Pengangkatan / Keahlian / Masa Jabatan /
Position at the
Name at the Legal Basis of Appointment Expertise Term Of Office
Bank
Committee
Surat Keputusan Direksi No. Kpts. R.184/ Perbankan/
Komisaris 23 Juli 2021 s.d
Dir.01.03/HCP/04/2022 Tanggal 28 April Keuangan,
Ketua / Independen / 3 tahun / July
Eko B. Supriyanto 2022 / Board of Directors Decree No. No. Jurnalistik /
Head Independent 23, 2021 until 3
Kpts. R.184/Dir.01.03/HCP/04/2022 dated Banking/Finance,
Commissioner Years
April 28, 2022 Journalism
14 Juli 2022 s.d
penutupan RUPS
Surat Keputusan Direksi No. Kpts. R.184/
Tahunan tahun
Komisaris Utama Dir.01.03/HCP/04/2022 Tanggal 28 April
Anggota / Perbankan / 2025 / July 14,
Rudhy Sidharta / President 2022 / Board of Directors Decree No. No.
Member Banking 2022 until the
Commissioner Kpts. R.184/Dir.01.03/HCP/04/2022 dated
closing of the
April 28, 2022
2025 Annual
GMS
Surat Keputusan Direksi No. Kpts. R.184/ Perbankan/
19 Juli 2021 s.d
Dir.01.03/HCP/04/2022 Tanggal 28 April Keuangan, Credit
Anggota / Komisaris / 3 tahun / July
Achmad F.C. Barir 2022 / Board of Directors Decree No. No. Analyst / Banking/
Member Commissioner 19, 2021 until 3
Kpts. R.184/Dir.01.03/HCP/04/2022 dated Finance, Credit
Years
April 28, 2022 Analyst
19 Juli 2021 s.d
Pertanian, penutupan RUPS
Surat Keputusan Direksi No. Kpts. R.184/
Komisaris Perikanan dan Tahunan tahun
Dir.01.03/HCP/04/2022 Tanggal 28 April
Anggota / Independen / Kebijakan Publik 2024 / July 19,
Rina Sa'adah 2022 / Board of Directors Decree No. No.
Member Independent / Agriculture, 2021 until the
Kpts. R.184/Dir.01.03/HCP/04/2022 dated
Commissioner Fisheries and closing of the
April 28, 2022
Public Policy 2024 Annual
GMS
Surat Keputusan Direksi No. Kpts. R.184/
Pihak 01 April 2021 s.d
Dir.01.03/HCP/04/2022 Tanggal 28 April Perbankan/
Anggota / Independen / 31 Maret 2023 /
Teguh Pramono 2022 / Board of Directors Decree No. No. Keuangan / Banking
Member Independent April 1, 2021 to
Kpts. R.184/Dir.01.03/HCP/04/2022 dated Finance
Party March 31, 2023
April 28, 2022
Surat Keputusan Direksi No. Kpts. R.184/ Perbankan/ 11 Oktober 2021
Pihak
Dir.01.03/HCP/04/2022 Tanggal 28 April Keuangan, Risk s.d 10 Oktober
Anggota / Independen /
Triwidodo 2022 / Board of Directors Decree No. No. Management / 2023 / October
Member Independent
Kpts. R.184/Dir.01.03/HCP/04/2022 dated Banking/ Finance, 11, 2021 to
Party
April 28, 2022 Risk Management October 10, 2023
428 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Jabatan
Posisi /
Nama / / Position Dasar Hukum Pengangkatan / Keahlian / Masa Jabatan /
Position at the
Name at the Legal Basis of Appointment Expertise Term Of Office
Bank
Committee
Perbankan/
Surat Keputusan Direksi No. Kpts. R.163/ 19 Juli 2021 s.d
Keuangan, Credit
Anggota / Komisaris / Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 3 tahun / July
Achmad F.C. Barir Analyst / Banking/
Member Commissioner / Board of Directors Decree No. Kpts. R.163/ 19, 2021 until 3
Finance, Credit
Dir.01.03/HCP/05/2023 dated May 19, 2023 Years
Analyst
19 Juli 2021 s.d
Pertanian, penutupan RUPS
Komisaris Surat Keputusan Direksi No. Kpts. R.163/ Perikanan dan Tahunan tahun
Anggota / Independen / Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 Kebijakan Publik 2024 / July 19,
Rina Sa'adah
Member Independent / Board of Directors Decree No. Kpts. R.163/ / Agriculture, 2021 until the
Commissioner Dir.01.03/HCP/05/2023 dated May 19, 2023 Fisheries and closing of the
Public Policy 2024 Annual
GMS
Pihak Surat Keputusan Direksi No. Kpts. R.163/ 01 April 2021 s.d
Perbankan/
Anggota / Independen / Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 31 Maret 2023 /
Teguh Pramono Keuangan / Banking
Member Independent / Board of Directors Decree No. Kpts. R.163/ April 1, 2021 to
Finance
Party Dir.01.03/HCP/05/2023 dated May 19, 2023 March 31, 2023
Perbankan/ 11 Oktober 2021
Pihak Surat Keputusan Direksi No. Kpts. R.163/
Keuangan, Risk s.d 10 Oktober
Anggota / Independen / Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023
Triwidodo Management / 2023 / October
Member Independent / Board of Directors Decree No. Kpts. R.163/
Banking/ Finance, 11, 2021 to
Party Dir.01.03/HCP/05/2023 dated May 19, 2023
Risk Management October 10, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 429
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Jabatan / Position Ketua Komite Pemantau Risiko / Head of Risk Monitoring Committee
Dasar Hukum / Legal Surat Keputusan Direksi No.Kpts.R.311/Dir.01.04/HCP/10/2023 Tanggal 9 Oktober 2023 / Board of Directors Decree
Basis No.Kpts.R.311/Dir.01.04/HCP/10/2023 dated October 9, 2023
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Jabatan / Position Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Hukum / Legal Surat Keputusan Direksi No.Kpts.R.311/Dir.01.04/HCP/10/2023 Tanggal 9 Oktober 2023 / Board of Directors Decree
Basis No.Kpts.R.311/Dir.01.04/HCP/10/2023 dated October 9, 2023
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Jabatan / Position Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Hukum / Legal Surat Keputusan Direksi No.Kpts.R.311/Dir.01.04/HCP/10/2023 Tanggal 9 Oktober 2023 / Board of Directors Decree
Basis No.Kpts.R.311/Dir.01.04/HCP/10/2023 dated October 9, 2023
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Jabatan / Position Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Hukum / Legal Surat Keputusan Direksi No.Kpts.R.163/Dir.01.03/HCP/05/2023 Tanggal 19 Mei 2023 / Board of Directors Decree
Basis No.Kpts.R.163/Dir.01.03/HCP/05/2023 dated May 19, 2023
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / Her profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
Jabatan / Position Anggota Komite Pemantau Risiko / Risk Monitoring Committee Member
Dasar Hukum / Legal Surat Keputusan Direksi No.Kpts.R.311/Dir.01.04/HCP/10/2023 Tanggal 9 Oktober 2023 / Board of Directors Decree
Basis No.Kpts.R.311/Dir.01.04/HCP/10/2023 dated October 9, 2023
Profil beliau dapat dilihat pada bagian Profil Dewan Komisaris pada bab Profil Perusahaan / His profile is available in the Board of Commissioners Profile
Section in the Company Profile chapter
430 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
TEGUH
PRAMONO
Anggota Komite Pemantau Risiko
Risk Monitoring Committee
Member
Dasar Hukum / Surat Keputusan Direksi No.2864/Add III PKWT-HCP/10/2023 tanggal 11 Oktober 2023 / Board of Directors Decree
Legal Basis No.2864/Add III PKWT-HCP/10/2023 dated October 11, 2023
Periode / Period 1 April 2023 s.d 31 Maret 2025 / April 1, 2023 to March 31, 2025
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 431
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TRIWIDODO
Anggota Komite Pemantau Risiko
Risk Monitoring Committee
Member
Dasar Hukum / Surat Keputusan Direksi No.2707/Add II PK-HCP/02/2023 Tanggal 27 Februari 2023 / Board of Directors Decree
Legal Basis No.2707/Add II PK-HCP/02/2023 dated February 27, 2023
Periode / Period 11 Oktober 2023 s.d 10 Oktober 2025 / October 11, 2023 to October 10, 2025
432 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
5. Menyampaikan laporan atas kegiatan Komite Pemantau 5. Submitting reports on the activities of the Risk Monitoring
Risiko kepada Dewan Komisaris termasuk laporan yang Committee to the Board of Commissioners including
akan disajikan dalam Laporan Tahunan Bank serta laporan reports that will be presented in the Bank’s annual report
atas penugasan yang diberikan oleh Dewan Komisaris; as well as reports on assignments given by the Board of
Commissioners;
6. Memberikan masukan kepada Dewan Komisaris atas hal- 6. Providing input to the Board of Commissioners on matters
hal yang perlu mendapat perhatian terkait penerapan that need attention regarding the implementation of risk
manajemen risiko. management.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 433
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Frekuensi Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting Frequency
Di tahun 2023, Komite Pemantau Risiko telah In 2023, the Risk Monitoring Committee held 19 (Nineteen)
menyelenggarakan rapat komite sebanyak 19 (sembilan belas) committee meetings. The meeting attendance frequency of
kali rapat. Frekuensi kehadiran masing-masing anggota each member of Risk Monitoring Committee is as follows:
Komite Pemantau Risiko dalam rapat adalah sebagai berikut:
Kehadiran Dalam Rapat / Atendance In Meeting
Nama / Jabatan /
Presentase (%)
Name Position Jumlah Rapat / Kehadiran /
/ Percentage
Total Meeting Attendane
(%)
Eko B. Supriyanto Ketua / Head 19 12 50%
Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting Agenda
No Tanggal / Date Agenda Rapat / Meeting Agenda
Pembahasan Usulan SE Hapus Buku Kredit Macet PT Bank Raya Indonesia Tbk / Discussion of
1 02 Januari 2023 / January 2, 2023
SE Proposal to Write Off Non Performing Loan of PT Bank Raya Indonesia Tbk
Pembahasan Usulan Risk Appetite Statement (RAS) PT Bank Raya Indonesia Tbk / Discussion
2 27 Februari 2023 / February 27, 2023
of the Proposed Risk Appetite Statement (RAS) of PT Bank Raya Indonesia Tbk
1. Proses putusan Pinang Connect / Pinang Connect decision process
2. Risk assurance dalam pelayanan Pinang Connect / Risk assurance in Pinang Connect
3 19 Juni 2023 / June 19, 2023
services
3. Rencana tindak lanjut NPL Pinang Connect / NPL Pinang Connect follow-up plan
4 26 Juni 2023 / June 26, 2023 Pembatasan Kebijakan Pinang Maksima / Pinang Maksima Policy Restrictions
Pembahasan Permohonan Uncommitted Credit Line (UCL) PT Bank Raya Indonesia Tbk /
5 26 Juli 2023 / July 26, 2023
Discussion of PT Bank Raya Indonesia Tbk’s Uncommitted Credit Line (UCL) Application
434 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
LAPORAN PELAKSANAAN TUGAS KOMITE PEMANTAU REPORT ON THE IMPLEMENTATION OF THE RISK MONITORING
RISIKO COMMITTEE’S DUTIES
Di tahun 2023, Komite Pemantau Risiko telah menjalankan In 2023, the Risk Monitoring Committee has carried out its
tugas dan tanggung jawabnya dengan melaksanakan duties and responsibilities by carrying out the following
kegiatan sebagai berikut: activities:
1. Melakukan pemantauan dan evaluasi kesesuaian antara 1. Monitor and evaluate the conformity between risk
manajemen risiko dengan pelaksanaan kebijakan Bank; management and the implementation of Bank policies;
2. Melakukan pemantauan dan evaluasi pelaksanaan tugas 2. Monitor and evaluate the implementation of the duties of
komite manajemen risiko dan satuan kerja manajemen the risk management committee and risk management
risiko; work unit;
3. Melakukan review pelaksanaan manajemen risiko yang 3. Review the implementation of risk management
terdiri dari laporan profil risiko, laporan tingkat kesehatan consisting of risk profile reports, Risk-Based Bank Rating
Bank dan laporan terkait pengelolaan jenis risiko; reports and reports related to risk management;
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 435
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
4. Memantau kecukupan proses identifikasi, pengukuran, 4. Monitor the adequacy of identification, measurement,
pemantauan, pengendalian dan sistem informasi monitoring, control processes, and risk management
manajemen risiko; information systems;
5. Menyampaikan laporan atas kegiatan Komite Pemantau 5. Submit reports on the activities of the Risk Monitoring
Risiko kepada Dewan Komisaris termasuk laporan yang Committee to the Board of Commissioners, including
akan disajikan dalam Laporan Tahunan Bank serta laporan reports that will be presented in the Bank’s Annual Report
atas penugasan yang diberikan oleh Dewan Komisaris; as well as reports on assignments given by the Board of
Commissioners;
6. Memberikan masukan kepada Dewan Komisaris atas hal- 6. Provide input to the Board of Commissioners on matters
hal yang perlu mendapat perhatian terkait penerapan that need attention regarding the implementation of risk
manajemen risiko. management.
KEBIJAKAN DAN BESARAN REMUNERASI BAGI KOMITE POLICY AND AMOUNT OF REMUNERATION FOR THE RISK
PEMANTAU RISIKO MONITORING COMMITTEE
Bank memberikan kompensasi kepada anggota Komite The Bank provides compensation to members of the Risk
Pemantau Risiko yang bukan anggota Dewan Komisaris Monitoring Committee who are not members of the Board of
sesuai ketentuan yang berlaku. Di tahun 2023, besaran Commissioners in accordance with applicable regulations. In
remunerasi yang diberikan kepada anggota Komite Pemantau 2023, the amount of remuneration given to members of the
Risiko adalah sebagai berikut: Risk Monitoring Committee is as follows:
Komite Pemantau Risiko /
Remunerasi & Fasilitas / Risk Monitoring Committee
Remuneration and Facilities
Jumlah / Total Rp (Juta / Million)
Di tahun 2023, anggota Komite Pemantau Risiko telah Members of the Risk Monitoring Committee have taken part
mengikuti program pelatihan dan pengembangan kompetensi in the following competency-building and training initiatives
sebagai berikut: throughout 2023:
Materi Pendidikan dan
Nama dan Jabatan / Jenis Pelatihan / Tempat dan Waktu / Penyelenggara /
Pelatihan / Education and
Name and Position Type of Training Place and Time Organizer
Training Materials
Eko B. Supriyanto • Konferensi Nasional / National • Navigating Country • Yo g y a k a r t a , 1 1 4 - 1 5 • LSPMR
Conference Risko for Sustainable Desember 2023
Growth: Opportunities and / Yogyakarta,
Challenges December 14-15, 2023
• Refreshment • Refreshment Manajemen • Jakarta, 27 Desember • LPPI
Risiko Jenjang 6 / Level 6 Risk 2023 / Jakarta,
Management Refreshment December 27, 2023
436 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Teguh Pramono Executive Forum YPIA Mitigasi Risiko di Era Digital Jakarta, 29 September YPIA
: Melindungi Bisnis Dunia 2023 / Jakarta,
yang Saling Terhubung / Risk September 29, 2023
Mitigation in the Digital Era:
Protecting Business in an
Interconnected World
Triwidodo • Seminar • Perlindungan Konsumen • Online, 12 Juni 2023 / • Ikatan Sarjana
terhadap Kejahatan Online, June 12, 2023 Ekonomi
Keuangan Digital / Consumer Indonesia (ISEI)
Protection against Digital / Indonesian
Financial Crime Economists
Association
(ISEI)
• Executive Forum YPIA • Mitigasi Risiko di Era Digital • Jakarta, 29 • YPIA
: Melindungi Bisnis Dunia September 2023 /
yang Saling Terhubung / Risk September 29, 2023
Mitigation in the Digital Era:
Protecting Business in an
Interconnected World
Direksi Bank Raya memiliki komite yang membantu dalam Bank Raya’s Board of Directors has committees that
pelaksanaan tugas dan tanggung jawab dalam setiap assist in carrying out duties and responsibilities in every
kegiatan dan operasional Bank antara lain: Asset and Liability activity and operation of the bank, including the Asset and
Committee, Komite Manajemen Risiko, Komite Kredit, Komite Liability Committee, Risk Management Committee, Credit
Produk, Komite Kebijakan Perkreditan, dan Komite Pengarah Committee, Product Committee, Credit Policy Committee,
Teknologi Sistem Informasi. Direksi juga memiliki organ and Information Systems Technology Steering Committee.
pendukung lainnya yaitu Sekretaris Perusahaan dan Internal The Board of Directors is also supported by the Corporate
Audit. Secretary and Internal Audit.
Seluruh komite pendukung di bawah Direksi telah memiliki All supporting committees under the Board of Directors have
pedoman kerja sebagai panduan untuk melaksanakan tugas work guidelines which serves a guide in carrying out their
dan tanggung jawabnya. duties and responsibilities.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 437
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Komite Manajemen Risiko merupakan komite yang dibentuk The Risk Management Committee is a committee established
dalam rangka menunjang efektivitas pelaksanaan proses to support the effectiveness of the implementation of the
dan sistem Manajemen Risiko. Komite Manajemen Risiko Risk Management process and system. The Risk Management
dibutuhkan sebagai upaya agar pengelolaan seluruh risiko Committee is needed to ensure that the management of
bisnis Bank dapat dilakukan secara sistematis terintegrasi all Bank business risks can be carried out in a systematic,
dan berkesinambungan. integrated and sustainable manner.
438 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
2. Memberikan rekomendasi kepada Direktur Utama 2. Providing recommendations to the President Director in
dalam menyusun strategi manajemen risiko termasuk developing a risk management strategy including setting
penetapan limit dan pedoman pelaksanaan manajemen limits and guidelines for implementing risk management;
risiko;
3. Melakukan penyempurnaan proses manajemen risiko 3. Perform periodic improvements to the risk management
secara berkala sesuai dengan perubahan kondisi process in accordance with changes in external,
eksternal, internal ataupun berdasarkan hasil evaluasi internal conditions or based on evaluation results on the
terhadap efektivitas pelaksanaan manajemen risiko yang effectiveness of the implementation of risk management
berpengaruh terhadap kecukupan modal dan tingkat which affect the capital adequacy and Risk-Based Bank
kesehatan bank; Rating;
4. Memantau, mengevaluasi dan menilai hal-hal sebagai 4. Monitoring, evaluating, and assessing the following:
berikut:
- Perkembangan komposisi profil risiko dalam - Development of the composition of the risk profile in
portofolio bank; the bank’s portfolio;
- Penetapan dan monitoring hasil pelaksanaan limit - Setting and monitoring the results of the
yang bersifat enterprise wide; implementation of limits that are enterprise wide;
- Kecukupan permodalan bank terhadap risk exposure - Adequacy of bank capital against risk exposure in
sesuai regulasi yang berlaku; accordance with applicable regulations;
- Efektivitas pelaksanaan dan tindak lanjut perbaikan - Effectiveness of implementation and follow-up to
parameter yang masih berisiko; improve parameters that are still at risk;
- Perkembangan aspek yang menjadi tolak ukur tingkat - Development of aspects that are used as benchmarks
kesehatan bank berbasis risiko yaitu rentabilitas, for the soundness of a risk-based bank, namely
kecukupan permodalan dan tata kelola perusahaan profitability, capital adequacy and good corporate
yang baik; governance
- Review risk appetite statement (RAS). - Review of risk appetite statement (RAS)
5. Penetapan hal-hal yang terkait dengan keputusan bisnis 5. Determination of matters related to business decisions
yang menyimpang dari prosedur normal (irregularities), that deviate from normal procedures (irregularities),
antara lain pelampauan ekspansi usaha yang signifikan including significant excesses in business expansion
dibandingkan dengan rencana bisnis bank tahun berjalan, compared to with the bank’s business plan for the
pengambilan eksposur risiko yang menyimpang dari limit current year, taking risk exposures that deviate from
yang telah ditetapkan, perubahan prosedur bisnis yang predetermined limits, changes in business procedures
bersifat menambah risiko dan lainnya. that increase risk and others.
RAPAT DAN PELAKSANAAN TUGAS KOMITE MANAJEMEN MEETINGS AND IMPLEMENTATION OF DUTIES OF THE RISK
RISIKO MANAGEMENT COMMITTEE
Di tahun 2023, Komite Manajemen Risiko telah Throughout 2023, the Risk Management Committee held
menyelenggarakan rapat komite sebanyak 4 (empat) kali 4 (four) meetings with detailed agenda and attendance as
rapat dengan rincian agenda sebagai berikut: follows:
Agenda Rapat dan Pelaksanaan Tugas Komite Manajemen Meeting Agenda and Implementation of Risk Management
Risiko Committee Duties
No Tanggal / Date Agenda Rapat / Meeting Agenda
1. Highlight Prodil Risiko dan Tingkat Kesehatan Bank Semester II Tahun 2023 / Highlights of
Bank Risk and Soundess Level Profile for Semester II 2023
2. Progress Perbaikan Risk Issue Prudential Meeting OJK / Progress of Improving Risk Issues
Prudential Meeting OJK
1 18 Januari 2023 / January 18, 2023
3. Risk Appetite Statement (RAS) Posisi Desember Tahun 2022 dan Usulan Risk Appetite
Statement (RAS) Tahun 2023 / Risk Appetite Statement (RAS) December 2022 Position and
Proposed Risk Appetite Statement (RAS) 2023
4. Stress Test Terintegrasi / Integrated Stress Test
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 439
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, Komite Manajemen Risiko ya/tidak In 2023, the Risk Management Committee will participated/
mengikuti kegiatan pengembangan kompetensi dalam did not participate in competency development activities in
bentuk pendidikan atau pun pelatihan-pelatihan. Informasi the form of education or training. Competency development
pengembangan kompetensi yang diikuti oleh Komite information participated in by the Risk Management
Manajemen Risiko adalah sebagai berikut: Committee is as follows:
Tempat dan Waktu / Place Penyelenggara /
Materi Pendidikan dan Pelatihan / Education and Training Materials
and Time Organizers
BRILian Leadership Development Program (BLDP) 3 Tahun 2023 / BRILian Jakarta, 2 - 7 Oktober 2023 / BRI Corporate
Leadership Development Program (BLDP) 3 of 2023 Jakarta, October 2 – 7, 2023 University
Jakarta, 23 Juni dan 6 Juli
Executive Overview for BOD 2023 / Jakarta, June 23 and LPPI
July 6, 2023
Konferensi Nasional Professional Manajemen Risiko IX Navigating Country Risk for
Jakarta, 14 - 15 Desember
Sustainable Growth : Opportunities and Challenges / IX National Conference on
2023 / Jakarta, December 14 LSPMR
Risk Management Professionals Navigating Country Risk for Sustainable Growth:
– 15, 2023
Opportunities and Challenges
Jakarta, 20 Mei 2023 /
Pembekalan Manajemen Risiko For BOD / Risk Management Guidance for BOD LPPI
Jakarta, May 20, 2023
Pendidikan Digital Transformation (Rakernas) / Digital Transformation Education Jakarta, 16 Januari 2023 /
Bank Raya
(National Working Meeting) Jakarta, January 16, 2023
Pendidikan APU-PPT & PPUR Overview for Executive / AML-CFT & PPUR Education Jakarta, 16 Maret 2023 /
LPPI
Overview for Executives Jakarta, March 16, 2023
Refreshment Sertifikasi Manajemen Risiko Level I-V / Level IV Risk Management Jakarta, 6 Juli 2023 / Jakarta,
Efektifpro
Certification Refreshment July 6, 2023
Jakarta, 10 November 2023 /
Seminar Fraud dan Gratifikasi / Fraud and Gratuity Seminar Bank Raya
Jakarta, November 10, 2023
440 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Komite ALCO membantu fungsi Direksi mengenai ALCO assists the Board of Directors in discussing and making
pembahasan dan pengambilan keputusan strategis terkait strategic decisions regarding the management of product
pengelolaan produk aset dan liabilitas dengan tetap assets and liabilities while taking into account aspects of
mempertimbangkan aspek pertumbuhan, kesinambungan growth, business continuity and profitability. The Board
bisnis dan profitabilitas. Direksi menilai bahwa rapat-rapat of Directors assesses that the meetings and decisions of
serta keputusan dari asset Liabilities Management Committee the Asset Liabilities Management Committee have been
telah dilaksanakan dengan cukup efektif. implemented effectively.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 441
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• Kepala Divisi Legacy Portfolio Management / Head of Legacy Portfolio Management Division
• Kepala Divisi Funding Management / Head of Funding Management Division
• Kepala Divisi Recovery & Remedy / Head of Recovery & Remedy Division
• Kepala Divisi Credit Operation / Head of Credit Operation Division
Anggota Tetap Dengan • Kepala Desk Credit Sales & Partnership / Head of Credit Sales & Partnership Desk
Hak Suara / Permanent • Kepala Divisi Digital Operation / Head of Digital Operations Division
Members With Voting • Kepala Divisi Regional Business Office / Head of Regional Business Office Division
Rights • Kepala Divisi Finance & Asset Management / Head of Finance & Asset Management Division
• Kepala Divisi Change Management / Head of Change Management Division
• Kepala Divisi Digital Product Development / Head of Digital Product Development Division
• Kepala Divisi Enterprise Risk Management / Head of Enterprise Risk Management Division
• Kepala Desk Investor Relation / Head of Investor Relations Desk
• Direktur Enterprise Risk Management, Compliance, & Human Resource / Director of Enterprise Risk
Anggota Tetap Tanpa
Management, Compliance & Human Resources
Hak Suara / Permanent
• Kepala Satuan Kerja Audit Intern / Head of Internal Audit Work Unit
Members Without
• Kepala Divisi Corporate Secretary / Head of Corporate Secretary Division
Voting Rights
• Kepala Desk Procedure & Policy / Head of Desk Procedure & Policy
ALCO Supporting Bagian Balance Sheet Management, Divisi Treasury / Balance Sheet Management Section, Treasury Division
Pemimpin Unit Kerja Bank Raya diluar Anggota Tetap dapat sewaktu-waktu diikutsertakan dalam ALCO sesuai
Anggota Tambahan /
dengan kebutuhan / Heads of Bank Raya Work Units other than Permanent Members may at any time be included
Additional Members
in ALCO as needed
442 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
2. Bagian Balance Sheet Management, Divisi Treasury 2. Balance Sheet Management Section, Treasury Division
sebagai ALCO Supporting memiliki tugas dan tanggung as ALCO Supporting has the following duties and
jawab sebagai berikut: responsibilities:
a. Melakukan analisa dan menyusun rekomendasi a. Analyzing and formulating recommendations for
strategi pengelolaan asset and liability yang optimal optimal asset and liability management strategies
untuk dapat diputuskan oleh Asset and Liability to be decided by the Asset and Liability Committee
Committee (ALCO) dengan mengacu kepada target (ALCO) with reference to the company’s performance
kinerja perusahaan. targets;
b. Menyusun dan mengembangkan skenario tingkat b. Arranging and developing interest rate scenarios for
suku bunga simpanan, pinjaman dan produk Bank deposits, loans and other Bank products;
lainnya;
c. Bersama dengan satuan kerja terkait, melakukan c. Collaborate with related work units, analyzing, and
analisa dan menyusun rekomendasi alternatif formulating alternative recommendations in pricing
dalam penetapan harga/pricing sesuai dengan in accordance with developments in market interest
perkembangan suku bunga pasar dan kondisi makro rates and macroeconomic conditions;
ekonomi;
d. Bersama dengan Satuan kerja terkait, menyusun d. Together with related work units, developing a
funding mix strategy berdasarkan rencana kerja dan funding mix strategy based on the Bank’s work plan
anggaran (RKA) Bank, kondisi di pasar dan/ atau and budget (RKA), market conditions and/ or other
acuan lainnya; references;
e. Melakukan analisa dan monitoring terhadap Net Open e. Performing analysis and monitoring of Net Open
Position (NOP); Position (NOP);
f. Melakukan analisa dan menyediakan data sesuai f. Performing analysis and provide data as needed by
kebutuhan ALCO; ALCO;
g. Mengkoordinir penyelenggaraan Rapat ALCO sesuai g. Coordinating the holding of ALCO Meetings in
dengan ketentuan dan rencana kerja yang ditetapkan; accordance with the stipulated provisions and work
plan;
h. Mendistribusi dan mengadministrasikan hasil putusan h. Distributing and administering the results of ALCO
Rapat ALCO serta melakukan monitoring tindak lanjut Meeting decisions as well as monitoring follow-up
dari Satuan Kerja yang terkait. from the relevant Work Units.
RAPAT ASSET & LIABILITY COMMITTEE ASSET & LIABILITY COMMITTEE MEETING
Di tahun 2023, Komite ALCO telah menyelenggarakan rapat In 2023, the ALCO held 15 (fifteen) committee meetings, with
komite sebanyak 15 (lima belas) kali rapat dengan rincian details as follows:
agenda sebagai berikut:
Agenda Rapat Asset & Liability Committee Asset & Liability Committee Meeting Agenda
Asset & Liability Committee Bulanan Monthly Asset & Liability Committee
No Tanggal / Date Agenda Rapat / Meeting Agenda
1. Macro Economic Update
2. Stock Price Update and Investor Feedback
3. Monitoring putusan ALCO bulan sebelumnya / Monitoring ALCO resolutions from the previous month
12 Januari 2023 / January 4. Pembahasan kinerja Asset & Liablility / Discussion of Asset & Liability performance
1
12, 2023 5. Risk Monitoring
6. Issue dan rekomendasi ALCO / ALCO issues and recommendations
7. Rekomendasi pricing / Pricing recommendations
8. Keputusan rapat ALCO Januari 2023 / ALCO January 2023 meeting resolutions
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 443
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
444 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Rapat Asset & Liability Committee Terbatas Limited Asset & Liability Committee Meeting
No Tanggal / Date Agenda Rapat / Meeting Agenda
17 Februari 2023 / February
1 Review Rate FTP Asset & Liability
17, 2023
1. Prognosa Juni 2023 & Update Pencapaian Kinerja / June 2023 Prognosis & Performance Achievement
23 Juni 2023 / June 23,
2 Update
2023
2. Pricing Review : Saku Jaga Lock
1. Macro Economic Update
01 November 2023 /
3 2. Likuiditas Akhir Tahun 2023 / 2023 Year End Liquidity
November 1, 2023
3. Program Special Rate Giro / Current Account Special Rate Program
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 445
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pelaksanaan /
No Keputusan / Decisions
Implementation
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. Pengelolaan produktivitas dan kualitas digital loan / Management of productivity and quality of digital
loans
4 April 2023 / April 2023 3. Pengelolaan likuiditas valas / Forex liquidity management
4. Review suku bunga dana talangan / Review of bailout interest rates
5. Review suku bunga digital saving / Review of digital savings interest rates
6. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. Monitoring Liquidity Risk untuk menuju TKB2 / Monitoring Liquidity Risk towards TKB2
3. Re-balancing antara risk dan profit margin atas penurunan LDR / Re-balancing of risk and profit
5 Mei 2023 / May 2023
margin due to decreasing LDR
4. Review suku bunga pinang dana talangan / Review of pinang dana talangan interest rates
5. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. Antisipasi dampak pembukuan CKPN Inhill terhadap PDN / Anticipating the impact of Inhill’s CKPN
6 Juni 2023 / June 2023 bookkeeping on PDN
3. Review Pricing Fund Transfer Price (FTP) multiple / Multiple Fund Transfer Price (FTP) Pricing Review
4. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. Strategi pencapaian Total Return Treasury sesuai RBB-R 2023 / Strategy for achieving Total Return
Treasury according to RBB-R 2023
7 Juli 2023 / July 2023
3. Penerapan multiple FTP / Implementation of multiple FTP
4. Monitoring Saku jaga optimal
5. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
Agustus 2023 / August 2. Alternatif strategi pengelolaan Balance Sheet untuk optimalisasi NII / Alternative Balance Sheet
8
2023 management strategies for optimizing NII
3. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. LDR efektif dalam rangka optimalisasi NII / Effective LDR in optimizing NII
September 2023 / 3. Rencana ekspansi kredit menengah / Medium credit expansion plan
9
September 2023 4. Review pricing Pinang maksima / Pinang maksima pricing review
5. Penetapan pricing: Pinang Performa Pro / Pricing: Pinang Performa Pro
6. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
Oktober 2023 / October 2. Optimalisasi NII Desember 2023 / NII Optimization December 2023
10
2023 3. Penetapan program : Pinang Flexi purna / Program determination: Pinang Flexi Purna
4. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. Pengelolaan portofolio pinang connect / Pinang Connect portfolio management
3. Pengelolaan FVOCI atau surat berharga AFS / Management of FVOCI or AFS securities
4. Mengawal pencapaian NII serta NIM RBB-R 2023: LDR dijaga dibesaran 79% dan diberikan buffer
November 2023 /
11 sebesar 5%, sehingga range LDR dijaga sebesar 79%-84% / Overseeing the achievement of NII and NIM
November 2023
RBB-R 2023: LDR is maintained at 79% and given a buffer of 5%, so that the LDR range is maintained
at 79%-84%
5. Review suku bunga dan kewenangan DOC / Review interest rates and DOC authority
6. Rekomendasi suku bunga / Interest rate recommendations
1. Monitoring Liquidity Risk dan Market Risk / Monitoring of Liquidity Risk and Market Risk
2. Kebijakan investasi Treasury 2024 / Treasury investment policy 2024
Desember 2023 /
12 3. Mengawal pencapaian NII serta NIM RBB-R 2023 / Overseeing the achievement of NII and NIM RBB-R
December 2023
2023
4. Rekomendasi suku bunga / Interest rate recommendations
Asset & Liability Committee Terbatas Limited Asset & Liability Committee
Pelaksanaan / Keputusan /
No
Implementation Decision
1. Rekomposisi Asset Digital Loan dan pengaktifan kembali produk kretap berbasis Digital / Recomposition
Februari 2023 / February,
1 of Digital Loan Assets and reactivation of Digital-based Kretap products
2023
2. Review Pricing Digital Loan
1. Prognosa Juni 2023 & Update Pencapaian Kinerja / June 2023 Prognosis & Performance Achievement
2 Juni 2023 / Juni, 2023 Update
2. Pricing Review : Saku Jaga Lock
1. Macro Economic Update
November 2023 /
3 2. Likuiditas Akhir Tahun 2023 / 2023 Year End Liquidity
November, 2023
3. Program Special Rate Giro / Current Account Special Rate Program
446 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
LAPORAN PELAKSANAAN TUGAS ASSET & LIABILITY REPORT OF THE IMPLEMENTATION OF DUTIES OF ASSET &
COMMITTEE (ALCO) LIABILITY COMMITTEE (ALCO)
Di tahun 2023, Komite ALCO telah menjalankan tugas dan In 2023, the ALCO Committee has carried out its duties and
tanggung jawabnya dengan melaksanakan kegiatan sebagai responsibilities by carrying out the following activities:
berikut:
1. Mengoptimalkan struktur neraca Bank Raya dan 1. Optimizing Bank Raya’s balance sheet structure and
mengelolanya sejalan dengan kebijakan risiko yang managing it in line with recommended risk policies in
direkomendasikan sesuai ketentuan yang berlaku accordance with applicable regulations as well as future
serta proyeksi masa mendatang terhadap perubahan projections regarding changes in economic conditions,
dalam kondisi ekonomi, peraturan eksternal dan tingkat external regulations and the level of competition;
kompetisi;
2. Melakukan evaluasi kinerja keuangan perusahaan 2. Evaluating the Company’s financial performance and
serta menetapkan strategi dan kebijakan pengelolaan setting strategies and policies for optimal management
aset, liabilitas dan modal yang optimum dengan of assets, liabilities and capital by taking into account
memperhatikan central risk, optimum yield generation central risk, optimum yield generation and cost
dan cost efficiency; efficiency;
3. Menetapkan suku bunga simpanan, suku bunga 3. Determining deposit interest rates, loan interest rates,
pinjaman, Fund Transfer Price (FTP) dan pricing lainnya Fund Transfer Prices (FTP) and other pricing that have a
yang berdampak langsung pada pencapaian Net Interest direct impact on achieving Net Interest Income (NII);
Income (NII);
4. Menetapkan kewenangan pejabat pemutus dalam 4. Determining the authority of the official in deciding
memutus suku bunga khusus simpanan, pinjaman dan/ special interest rates for deposits, loans and/or other
atau produk Bank Lainnya; bank products;
5. Menentukan kebijakan Net Open Position (NOP); 5. Determining the Net Open Position (NOP) policy;
6. Menentukan kebijakan hedging atas posisi Bank apabila 6. Determining the hedging policy for the Bank’s position if
diperlukan; necessary;
7. Memonitor bahwa pengelolaan asset and liability di 7. Ensuring that the Company’s asset and liability
perusahaan dilaksanakan sesuai dengan hasil putusan management is carried out in accordance with the results
Rapat ALCO of the ALCO Meeting decisions
PENGEMBANGAN KOMPETENSI ASSET & LIABILITY ASSET & LIABILITY COMMITTEE (ALCO) COMPETENCY
COMMITTEE (ALCO) DEVELOPMENT
Bank Raya memberikan kesempatan kepada Komite ALCO Bank Raya provides the ALCO Committee with the
untuk mengikuti program pelatihan dan pengembangan opportunity to take part in training and competency
kompetensi, baik yang diselenggarakan oleh internal Bank development programs, either organized internally by the
atau yang diselenggarakan oleh pihak eksternal. Bank or organized by external parties.
Di tahun 2023, Komite ALCO ya/tidak mengikuti kegiatan In 2023, the ALCO Committee participated/did not participate
pengembangan kompetensi dalam bentuk pendidikan in competency development activities in the form of
atau pun pelatihan-pelatihan. Informasi pengembangan education or training. Competency development information
kompetensi yang diikuti oleh Komite ALCO adalah sebagai participated in by the ALCO Committee is as follows:
berikut:
Jenis Pelatihan / Materi Pendidikan dan Pelatihan / Tempat dan Waktu / Penyelenggara /
Type of Training Education and Training Materials Place and Time Organizers
1. Treasury Perbankan / Banking Treasury Menara Brilian Lt. 19,
Treasury Training Program 2. Makro Ekonomi / Macroeconomics 21 November 2023 - 23 PT. Learning Resources
3. Reksadana / Mutual Funds November 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 447
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Komite Kebijakan Perkreditan dibentuk untuk membantu The Credit Policy Committee was formed to assist the Board
Direksi dalam hal: of Directors in terms of:
1. Memberikan masukan kepada Direksi dalam rangka 1. Providing input to the Board of Directors in preparing the
penyusunan Kebijakan Perkreditan Bank (KPB); Bank’s Credit Policies (KPB);
2. Mengawasi agar KPB Bank Raya diterapkan dan 2. Ensuring that Bank Raya’s KPB is consequently and
dilaksanakan secara konsekuen dan konsisten; consistently implemented;
3. Memberikan rekomendasi terhadap hambatan atau 3. Providing recommendations on overcoming obstacles in
kendala dalam penerapan KPB; the implementation of KPB;
4. Melakukan kajian berkala terhadap KPB. 4. Conducting periodic reviews of KPB.
448 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Agenda Rapat Komite Kebijakan Perkreditan Credit Policy Committee Meeting Agenda
No Tanggal / Date Agenda Rapat / Meeting Agenda
11 September 2023 / September 11, Persetujuan hasil Review dan Revisi Kebijakan Perkreditan Bank (KPB - Bank Raya) / Approval
1
2023 of the results of the Review and Revision of Bank Credit Policy (KPB - Bank Raya)
LAPORAN PELAKSANAAN TUGAS KOMITE KEBIJAKAN REPORT ON THE IMPLEMENTATION OF THE DUTIES OF THE
PERKREDITAN CREDIT POLICY COMMITTEE
Di tahun 2023, Komite Kebijakan Perkreditan telah In 2023, the Credit Policy Committee has carried out its duties
menjalankan tugas dan tanggung jawabnya dengan and responsibilities by carrying out the following activities:
melaksanakan kegiatan sebagai berikut:
1. Menyusun Kebijakan Perkreditan Bank (KPB) khususnya 1. Prepare Bank Credit Policy (KPB), especially in the
prinsip kehati-hatian dalam perkreditan sebagaimana principle of prudence of lending as regulated in the OJK
diatur di dalam Pedoman Penyusunan Kebijakan Guidelines for Preparing Bank Credit Policy (PPKPB);
Perkreditan Bank (PPKPB) OJK;
2. Mengawasi penerapan Kebijakan Perkreditan Bank (KPB) 2. Supervise the implementation of the Bank Credit Policy
dilaksanakan secara bertanggung jawab dan penuh (KPB) in a responsible and sustainable manner and
kesinambungan serta merumuskan alternatif dan solusi formulate alternatives and implementation solutions if
penerapan bila terdapat kendala; there are obstacles;
3. Melakukan review berkala Kebijakan Perkreditan Bank 3. Conduct periodic reviews of Bank Raya’s Bank Credit
(KPB) Bank Raya minimal 3 (tiga) tahun sekali. Policy (KPB) at least once every 3 (three) years.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 449
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Komite Pengarah Teknologi Sistem Informasi adalah komite The Information Systems Technology Steering Committee is
tertinggi dalam penyelenggaraan teknologi informasi the highest committee in the implementation of information
yang bertugas memberikan rekomendasi serta membantu technology responsible for providing recommendations and
Direksi dan dewan komisaris dalam memantau kegiatan assisting the Board of Directors and the Board of Commissioners
penyelenggaraan dan kesiapan infrastruktur teknologi in monitoring the implementation activities and readiness of
informasi. Pelaksanaan tugas komite pengarah teknologi information technology infrastructure. The implementation of
informasi telah sesuai dengan rencana kerja yang telah the duties of the information technology steering committee is
ditetapkan dan sangat mendukung implementasi teknologi in accordance with the work plan that has been established and
informasi di Perusahaan. strongly supports the implementation of information technology
in the Company.
Ketua II / Head II Direktur Keuangan (merangkap anggota) / Director of Finance (serving concurrently as a member)
Direktur Digital dan Operasional (merangkap anggota) / Director of Digital & Operational (serving concurrently as
Ketua III / Head III
a member)
Direktur Enterprise Risk Management, Compliance & Human Resources (merangkap anggota) / Director of
Ketua IV / Head IV
Enterprise Risk Management, Compliance & Human Resources (serving concurrently as a member)
Kepala Divisi Application Development, Architecture & Governance / Head of Application Development,
Sekretaris / Secretary
Architecture & Governance Division
• SEVP Information Technology / Information Technology Division SEVP
• Kepala Divisi Digital Operation / Head of Digital Operation Division
• Kepala Divisi Finance & Asset Management / Head of Finance & Asset Management Division
• Kepala Divisi Treasury / Head of Treasury Division
• Kepala Divisi Legacy Portfolio Management / Head of Legacy Portfolio Management Division
• Kepala Divisi Legal & Compliance / Head of Legal & Compliance Division
• Kepala Divisi Corporate Secretary / Head of Corporate Secretary Division
• Kepala Divisi Change Management / Head of Change Management Division
• Kepala Divisi Recovery & Remedy / Head of Recovery & Remedy Division
Anggota Tetap / • Kepala Divisi Digital Product Development / Head of Digital Product Development Division
Permanent Members • Kepala Divisi Regional Business Office / Head of Regional Business Office Division
• Kepala Divisi Funding Management / Head of Funding Management Division
• Kepala Divisi IT Infrastructure & Operation Excellence / Head of IT Infrastructure & Operation Excellence
Division
• Kepala Divisi Digital Sales & Partnership / Head of Digital Sales & Partnership Division
• Kepala Divisi Human Capital / Head of Human Capital Division
• Kepala Divisi Big Data / Head of Big Data Division
• Kepala Divisi Enterprise Risk Management / Head of Enterprise Risk Management Division
• Kepala Divisi Credit Operation / Head of Credit Operation Division
• Kepala Desk Credit Risk Analysis / Head of Desk Credit Risk Analysis
450 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
RAPAT KOMITE PENGARAH TEKNOLOGI SISTEM INFORMASI INFORMATION SYSTEMS TECHNOLOGY STEERING
COMMITTEE MEETING
Di tahun 2023, Komite Pengarah Teknologi Sistem Informasi In 2023, the Information Systems Technology Steering
telah menyelenggarakan rapat komite sebanyak 4 (empat) Committee held 4 (four) committee meetings with the agenda
kali rapat dengan rincian agenda dan kehadiran sebagai and attendance details as follows:
berikut:
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Agenda Rapat Komite Pengarah Teknologi Sistem Informasi Information Systems Technology Steering Committee
Meeting Agenda
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 31 Maret 2023 / March 31, 2023 Information Systems Technology Steering Committee 1
3 25 Oktober 2023 / October 25, 2023 Information Systems Technology Steering Committee 3
21 Desember 2023 / December 21,
4 Information Systems Technology Steering Committee 4
2023
LAPORAN PELAKSANAAN TUGAS KOMITE PENGARAH REPORT OF THE IMPLEMENTATION OF DUTIES OF THE
TEKNOLOGI SISTEM INFORMASI INFORMATION SYSTEMS TECHNOLOGY STEERING
COMMITTEE
Di tahun 2023, Komite Pengarah Teknologi Sistem Informasi In 2023, the Information Systems Technology Steering
telah menjalankan tugas dan tanggung jawabnya dengan Committee has carried out its duties and responsibilities by
melaksanakan kegiatan sebagai berikut: carrying out the following activities:
1. Memantau kinerja teknologi informasi dan upaya 1. Monitoring information technology performance and
peningkatan kinerja teknologi informasi; efforts to improve information technology performance
2. Merekomendasikan penyelesaian berbagai masalah 2. Recommending resolutions of various issues related to
terkait teknologi informasi yang tidak dapat diselesaikan information technology that cannot be resolved by the
oleh satuan kerja; work unit
3. Memberikan arahan terkait pelaksanaan proyek teknologi 3. Directed the implementation of information technology
informasi dengan kebutuhan kegiatan usaha bank. projects with the needs of the bank’s business activities
452 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
KOMITE KREDIT
Credit Committee
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LAPORAN PELAKSANAAN TUGAS KOMITE KREDIT REPORT ON THE IMPLEMENTATION OF DUTIES OF THE
CREDIT COMMITTEE
Di tahun 2023, Komite Kredit telah menjalankan tugas dan In 2023, the Credit Committee has carried out its duties and
tanggung jawabnya dengan melaksanakan kegiatan sebagai responsibilities by carrying out the following activities:
berikut:
1. Melaksanakan putusan kredit baru 1. Making new loan decisions
2. Melaksanakan putusan perpanjangan kredit 2. Making loan extension decisions
3. Melaksanakan putusan restrukturisasi kredit 3. Making debt restructuring decisions
4. Melaksanakan putusan penyelesaian kredit 4. Making debt settlement decisions
454 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
KOMITE PRODUK
Product Committee
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
atau eksisting namun juga menentukan kebutuhan the development of new or existing products but also
pengembangan teknologi informasi (TI) yang wajib determine information technology (IT) development
disampaikan pada Laporan Rencana Pengembangan needs which must be submitted in the Information
Teknologi Informasi (LRPTI) Technology Development Plan Report (LRPTI).
7. Hasil dari Komite Produk juga terdapat putusan 7. The results of the Product Committee also contain
terkait kebutuhan persetujuan produk oleh Regulator. decisions regarding the need for product approval by
the Regulator.
8. Terdapat persyaratan dokumen tambahan yang wajib 8. Additional document requirements that must be
disampaikan mengenai penyelenggaraan layanan submitted regarding the provision of digital banking
perbankan digital antara lain : services include:
a) Uraian mengenai mekanisme kerja sama yang a) Description of the cooperation mechanism
dilakukan dengan mitra Bank Raya dalam rangka carried out with Bank Raya partners in the context
penyelenggaraan perbankan digital. of implementing digital banking.
b) Hasil pemeriksaan pihak independen yang b) Results of inspections by independent parties
memberikan pendapat atas karakteristik produk who provide opinions on product characteristics
dan kecukupan pengamanan sistem teknologi and the adequacy of information technology
informasi terkait penyelenggaraan layanan system security related to the implementation of
perbankan bank digital digital bank banking services
b. Tugas dan Tanggung Jawab Komite Produk Level Divisi b. The Division Level Product Committee has the following
memiliki tugas dan tanggung jawab sebagai berikut : duties and responsibilities:
1. Melakukan screening atas usulan perencanaan, 1. Screen proposals for product planning, development
pengembangan, dan penghentian produk. and discontinuation.
2. Forum Komite Produk Level Divisi untuk pembahasan 2. Division Level Product Committee Forum to discuss
suatu rencana pengembangan produk bank yang a bank product development plan carried out by the
dilakukan oleh Satuan Kerja Pemilik Produk. Product Owner Work Unit.
3. Memastikan telah tersedia dokumen-dokumen 3. Ensure that the documents required for product
yang dibutuhkan dalam usulan perencanaan/ planning/development proposals are available,
pengembangan produk termasuk opini manajemen including risk management opinions and compliance
risiko dan opini kepatuhan atas usulan perencanaan opinions for product planning and development
dan pengembangan produk. proposals.
4. Melakukan pembahasan di level Satuan Kerja 4. Conduct discussions at the Product Management
Pengelola Produk (level Divisi) untuk penetapan Work Unit level (Division level) to determine basic or
produk bank dasar atau lanjutan, serta pengembangan advanced bank products, as well as develop new or
produk baru atau eksisting. existing products.
5. Penetapan usulan pengembangan produk yang masuk 5. Determine product development proposals included
pada laporan OJK terkait Rencana Penyelenggaraan in the OJK report regarding the New Bank Product
Produk Bank Baru (RPPB) Implementation Plan (RPPB)
6. Melakukan monitoring dan evaluasi atas progress 6. Monitor and evaluate the progress of product
perijinan produk kepada Regulator dan produk yang licensing to the Regulator and products that have
telah mendapatkan ijin dari Regulator. received permission from the Regulator.
c. Tugas dan Tanggung Jawab Sekretaris Komite Produk c. The Product Committee Secretary has the following
memiliki tugas dan tanggung jawab sebagai berikut : duties and responsibilities:
1. Mengkoordinasikan pelaksanaan Komite Produk Level 1. Coordinate the implementation of the Division Level
Divisi dan Komite Produk Level Direksi, termasuk Product Committee and the Board of Directors
memastikan persiapan materi rapat yang akan Level Product Committee, including ensuring the
dipresentasikan oleh Satuan Kerja Pemilik Produk. preparation of meeting materials to be presented by
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
LAPORAN PELAKSANAAN TUGAS KOMITE PRODUK REPORT ON THE IMPLEMENTATION OF DUTIES OF THE
PRODUCT COMMITTEE
Di tahun 2023, Komite Produk telah menjalankan tugas dan In 2023, the Product Committee has carried out its duties
tanggung jawabnya dengan melaksanakan kegiatan sebagai and responsibilities by carrying out the following activities:
berikut:
1. Komite Produk Pinang Maksima (31 Maret 2023) 1. Pinang Maksima Product Committee (March 31, 2023)
2. Komite Produk Legacy (12 Juni 2023) 2. Legacy Product Committee (June 12, 2023)
3. Komite Produk Pinang Performa (Pinang Performa Pro 3. Pinang Performa Product Committee (Pinang Performa
dan Pinang Performa Merchant) (07 September 2023) Pro and Pinang Performa Merchant) (September 7, 2023)
458 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
SEKRETARIS PERUSAHAAN
Corporate Secretary
Sekretaris Perusahaan berperan penting dalam membantu The Corporate Secretary plays an important role in assisting
Bank memenuhi peraturan pasar modal, yaitu dengan the Bank in complying with capital market regulations by
menyediakan pedoman kepada Dewan Komisaris dan Direksi providing guidance to the Board of Commissioners and
mengenai seperti GCG, Anggaran Dasar Bank, dan peraturan Board of Directors regarding GCG, the Bank’s Articles of
perundang-undangan yang berlaku. Association, and applicable laws and regulations.
Sekretaris Perusahaan Bank berfungsi sebagai penghubung The Bank Corporate Secretary serves as a liaison between
antara Bank dengan lembaga/instansi terkait, otoritas the Bank and related institutions/agencies, capital market
pasar modal, komunitas pemodal, dan masyarakat umum. authorities, the investor community and the general public.
Sekretaris Perusahaan bertanggung jawab menyediakan dan The Corporate Secretary is responsible for providing and
menyampaikan informasi kepada masyarakat umum maupun delivering information to the general public and for the
untuk kepentingan investor yang berhubungan dengan benefit of investors relating to the Bank’s performance in
kinerja Bank secara tepat waktu, akurat dan transparan a timely, accurate and transparent manner in accordance
sesuai ketentuan dan Perundang-undangan yang berlaku with the provisions and laws that apply to banks and public
bagi bank maupun bagi perusahaan publik. companies.
PIHAK YANG MENGANGKAT DAN MEMBERHENTIKAN PARTIES APPOINTING AND DISMISSING CORPORATE
SEKRETARIS PERUSAHAAN SECRETARY
Sekretaris Perusahaan bertanggung jawab langsung kepada The Corporate Secretary is directly responsible to the
Direksi serta diangkat dan diberhentikan oleh Direksi Board of Directors and is nominated and removed by the
berdasarkan keputusan Dewan Komisaris. Pengangkatan Board of Directors based on the decision of the Board of
Sekretaris Perusahaan dengan mempertimbangkan Commissioners. The Corporate Secretary is appointed based
kemampuan profesional serta integritasnya di masyarakat on his professional talents and reputation in society and
dan bisnis. business.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
AJENG PUTRI
HAPSARI
Sekretaris Perusahaan
Corporate Secretary
Dasar Hukum / Surat Keputusan Direksi No. Kpts. R. 364A/Dir.01.03/ HCP/08/2022 tanggal 1 Agustus 2022 / Board of Directors
Legal Basis Decree No. Kpts. R. 364A/Dir.01.03/ HCP/08/2022 dated August 1, 2022
Periode / Period 2022 – Sekarang / 2022 - Present
460 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Struktur organisasi Divisi Corporate Secretary adalah The following is the organizational structure of the Corporate
sebagai berikut: Secretary Division:
Direktur Utama
President Director
Staff & Assistant Staff & Assistant Board Secretary Staff & Assistant
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TUGAS DAN TANGGUNG JAWAB SEKRETARIS PERUSAHAAN DUTIES AND RESPONSIBILITIES OF THE CORPORATE
SECRETARY
Berdasarkan peraturan Otoritas Jasa Keuangan Nomor 35/ Based on Financial Services Authority regulation No. 35/
POJK.04/2014 tentang Sekretaris perusahaan emiten atau POJK.04/2014 concerning Corporate Secretaries of Issuers
perusahaan publik, dalam pasal 5, tugas dan tanggung jawab or Public Companies, Article 5, the duties and responsibilities
Sekretaris Perusahaan adalah sebagai berikut: of the Corporate Secretary are as follows:
1. Mengikuti perkembangan pasar modal khususnya 1. Following the development of the capital market,
peraturan perundangan yang berlaku di bidang pasar especially the laws and regulations that apply in the field
modal; of capital markets;
2. Memberikan masukan kepada Direksi dan Dewan 2. Providing input to the Board of Directors and Board of
Komisaris untuk mematuhi ketentuan peraturan Commissioners to comply with the provisions of laws and
perundangan di bidang pasar modal; regulations in the capital market sector;
3. Membantu Direksi dan Dewan Komisaris dalam 3. Assisting the Board of Directors and Board of
pelaksanaan tata kelola perusahaan yang meliputi: Commissioners in implementing corporate governance
which includes:
- Keterbukaan informasi kepada masyarakat, termasuk - Disclosure of information to the public, including the
ketersediaan informasi pada Situs Web emiten; availability of information on the issuer’s website;
- Penyampaian laporan kepada Otoritas Jasa Keuangan - Timely submission of reports to the Financial Services
tepat waktu; Authority;
- Penyelenggaraan dan dokumentasi Rapat Umum - Implementation and documentation of the General
Pemegang Saham; Meeting of Shareholders;
- Penyelenggaraan dan dokumentasi rapat Direksi dan/ - Implementation and documentation of meetings
atau Dewan Komisaris; of the Board of Directors and/or the Board of
Commissioners;
- Pelaksanaan program orientasi terhadap perusahaan - Implementation of the Company’s orientation
bagi Direksi dan/atau Dewan Komisaris. program for the Board of Directors and/or the Board
of Commissioners.
4. Sebagai penghubung antara emiten dengan Pemegang 4. As a liaison between issuers and shareholders, FSA and
Saham, Otoritas Jasa Keuangan (OJK) dan pemangku other stakeholders.
kepentingan lainnya.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
c. penyelenggaraan dan dokumentasi Rapat Umum c. organizing and documenting the General Meeting of
Pemegang Saham; Shareholders;
d. penyelenggaraan dan dokumentasi Rapat Direksi d. organizing and documenting Board of Directors and/
dan/atau Dewan Komisaris; dan or Board of Commissioners meetings; And
e. pelaksanaan program orientasi terhadap perusahaan e. implementation of a company orientation program
bagi Direksi dan/atau Dewan Komisaris. for the Board of Directors and/or Board of
Commissioners.
4. Sebagai penghubung antara Emiten dengan pemegang 4. Act as a liaison between the Issuer and shareholders, OJK
saham, OJK dan pemangku kepentingan lainnya. and other stakeholders.
5. Aktivitas Bank sebagai Perusahaan Terbuka: 5. Bank Activities as a Public Company:
a. Melaksanakan Keterbukaan Informasi kepada a. Implement Information Disclosure to the public
masyarakat secara elektronik melalui Sistem electronically through the Electronic Reporting
Pelaporan Elektronik dan IDXnet maupun non System and IDXnet as well as non-electronically,
elektronik, termasuk pelaporan - pelaporan kepada including reports to Regulators regarding the Bank’s
Regulator sehubungan status Bank sebagai status as a public company which is the authority
perusahaan terbuka yang menjadi kewenangan unit of the Corporate Secretary work unit. Organize and
kerja Corporate Secretary menyelenggarakan dan document the General Meeting of Shareholders;
mendokumentasikan Rapat Umum Pemegang Saham;
b. Menyelenggarakan kegiatan-kegiatannya lainnya b. Carry out other activities related to Corporate Actions
yang berkaitan dengan Aksi Korporasi dan/atau and/or other information disclosure;
keterbukaan informasi lainnya;
c. Menyusun Laporan Tahunan Tahun Buku 2023 serta c. Prepare an Annual Report for the 2023 Financial Year
menyampaikannya kepada Regulator terkait; and submit it to the relevant Regulator;
d. Melaksanakan fungsi kepatuhan Bank terhadap d. Carry out the Bank’s compliance function with
peraturan-peraturan di bidang pasar modal. regulations in the capital market sector.
6. Aktivitas Komunikasi Korporasi 6. Corporate Communication Activities
a. Menetapkan kebijakan dan strategi komunikasi a. Determine corporate communication policies and
Korporasi Dalam melaksanakan tugasnya, Divisi strategies. In carrying out its duties, the Corporate
Corporate Secretary perlu melakukan pengkinian Secretary Division must update its policies to follow the
kebijakan agar dapat mengikuti ketentuan dan latest provisions and developments.
perkembangan terkini.
b. Melakukan aktivitas komunikasi yang bersifat b. Carry out corporate communication activities to internal
korporasi kepada pemangku kepentingan internal and external stakeholders.
maupun eksternal.
i. Melaksanakan pemberitaan dan iklan di media i. Carry out news and advertising in mass media
massa termasuk media online. including online media.
ii. Melaksanakan tindakan antisipatif dan korektif ii. Carry out anticipatory and corrective actions for
atas setiap pemberitaan dan iklan di media massa every news report and advertisement in the mass
termasuk media online. media, including online media.
iii. Melaksanakan pengelolaan Media Sosial dan iii. Carry out management of Social Media and Bank
Website Bank. Website.
iv. Melaksanakan fungsi pengelolaan risiko yang iv. Carry out risk management functions which include
meliputi proses identifikasi, pengukuran, the process of identifying, measuring, monitoring and
pemantauan dan pengendalian manajemen risiko controlling reputation risk management.
reputasi.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
c. Mengadakan dan melaksanakan kegiatan tertentu c. Organize and carry out certain activities (events/
(event/acara/sponsorship) sebagai pelaksanaan events/sponsorship) as implementation of corporate
strategi komunikasi yang bersifat korporasi serta communication strategies and management of
pengelolaan reputasi/risiko reputasi. reputation/reputation risk.
d. Melaksanakan kegiatan-kegiatan untuk mendukung d. Carry out activities to support the functions and
fungsi dan kegiatan kerja Dewan Komisaris dan work activities of the Board of Commissioners and
Direksi. Directors.
e. Melaksanakan kegiatan pengamanan dan pengawalan/ e. Carry out security and escort activities/protocols for
protokoler Direksi dan Dewan Komisaris di kantor/ the Board of Directors and Board of Commissioners
tempat dinas, perjalanan/acara dan kediamanan. at the office/place of service, travel/events and
residence.
7. Aktivitas Corporate Social Responsibility (CSR) 7. Corporate Social Responsibility (CSR) Activities
Fungsi utama Investor relations adalah untuk membina The primary function of Investor Relations is to foster good
hubungan baik dan berinteraksi dengan investor, pasar relationships and interact with investors, capital markets
modal, dan Pemegang Saham, yang meliputi: and Shareholders, which includes:
1. Pengembangan strategi komunikasi terutama terkait 1. Development of a communication strategy especially
investor, calon investor potensial, analis, fund manager, related to investors, potential investors, analysts, fund
dan masyarakat pasar modal secara umum; managers, and the capital market community in general;
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Internal Audit (SKAI) memegang peran sebagai Third line of Internal Audit (SKAI) plays a role as the third line of defense
defense dalam Sistem Pengendalian Intern Bank, karena itu, in the Bank’s Internal Control System. Therefore, it must play
harus turut berperan aktif dalam meningkatkan efektivitas an active role in improving the effectiveness of the Internal
Sistem Pengendalian Intern secara berkesinambungan. Control System on an ongoing basis. Internal Audit (SKAI)
Internal Audit (SKAI) berperan dalam memberikan keyakinan plays a role in providing assurance based on audit results that
berdasarkan hasil pemeriksaan bahwa pengendalian internal internal control and implementation of operational activities,
dan pelaksanaan kegiatan operasional, akuntansi, manajemen accounting, risk management and other Bank activities have
risiko dan kegiatan Bank lainnya telah terselenggara dengan been carried out well and are able to fulfill the interests of the
baik dan mampu menjamin kepentingan Bank serta stakeholder. Bank and stakeholders.
Internal Audit (Satuan Kerja Internal Audit/SKAI) memiliki Internal Audit (Internal Audit Work Unit/SKAI) has the
fungsi dan tanggung jawab untuk memastikan dan function and responsibility to ensure and assist Bank
membantu Manajemen Bank terkait GCG melalui kajian dan Management regarding GCG through reviewing and auditing
audit pelaksanaan kebijakan dan prosedur dalam aktivitas the effective implementation of policies and procedures
operasional Bank yang efektif. Fungsi dan tanggung jawab in the Bank’s operational activities. These audit functions
audit ini wajib diterapkan dan dilaksanakan dengan prinsip and responsibilities must be applied and carried out with
independen. independent principles.
Dalam menjalankan fungsi dan tanggung jawabnya, Internal In carrying out its functions and responsibilities, the Internal
Audit (SKAI) berpedoman pada ketentuan Otoritas Jasa Audit (SKAI) refers to the applicable provisions of the
Keuangan yang berlaku tentang Penerapan Fungsi Audit Financial Services Authority regarding the Implementation of
Intern pada Bank Umum dengan melaksanakan beberapa hal the Internal Audit Function in Commercial Banks by carrying
berikut: out the following:
1. Penyusunan Piagam Audit Intern (Internal Audit Charter) 1. The preparation of the Internal Audit Charter which
yang ditandatangani Presiden Direktur dan disetujui was signed by the President Director and approved by
oleh Dewan Komisaris telah dilakukan revisi kelima the Board of Commissioners has undergone the fifth
yang efektif berlaku tanggal 31 Januari 2022, sesuai revision, which is effective on January 31, 2022, in
dengan Peraturan OJK No. 56/POJK.04/2015 tentang accordance with OJK Regulation No. 56/POJK.04/2015
Pembentukan dan Pedoman Penyusunan Piagam Unit concerning the Formation and Guidelines for Preparing
Audit Internal dan Peraturan OJK No.1/ POJK.03/2019 the Internal Audit Unit Charter and OJK Regulation No.
tentang Penerapan Fungsi Audit Intern pada Bank Umum; 1/POJK.03/2019 concerning the Implementation of the
Internal Audit Function in Commercial Banks;
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Pembentukan Fungsi Satuan Kerja Audit Intern sesuai 2. Establishment of the Internal Audit Work Unit Function
Peraturan OJK No.1/POJK.03/2019 tentang Penerapan in accordance with OJK Regulation No. 1/POJK.03/2019
Fungsi Audit Intern pada Bank Umum. concerning the Implementation of the Internal Audit
Function in Commercial Banks.
Piagam Audit Internal merupakan pedoman tata laksana The Internal Audit Charter is a guideline for the company’s
kerja internal audit perseroan yang memuat visi dan misi, internal audit work management which contains the vision
fungsi dan ruang lingkup kerja, tanggung jawab, kewenangan, and mission, function and scope of work, responsibility,
akuntabilitas, independensi, dan kode etik dari SKAI. Piagam authority, accountability, independence and SKAI’s code of
audit Internal ditinjau dan diperbarui secara berkala sesuai ethics. The Internal Audit Charter is reviewed and updated
kebutuhan organisasi. regularly according to organizational needs.
PIHAK YANG MENGANGKAT DAN MEMBERHENTIKAN THE PARTY APPOINTING AND DISMISSING THE HEAD OF
KEPALA UNIT AUDIT INTERNAL THE INTERNAL AUDIT UNIT
Kepala Divisi SKAI diangkat dan diberhentikan oleh Direksi The Head of the SKAI Division is appointed and dismissed by
atas persetujuan Dewan Komisaris dan dilaporkan kepada the Director with the approval of the Board of Commissioners
Otoritas Jasa Keuangan. and reported to the Financial Services Authority
466 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
MUHAMMAD
FAUZI
Kepala SKAI
Head of Internal Audit Unit
Dasar Hukum / PKWT No.R.2709/PKWT-HCP/03/2023 tgl 01 Maret 2023 / PKWT No.R.2709/PKWT-HCP/03/2023 dated March 1,
Legal Basis 2023
Periode / Period tmt 01/03/2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 467
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Berdasarkan Surat Keputusan Direksi Nomor SK Direksi No. This is stipulated in the Decree of the Board of Directors
Kpts. B.220/DIR.01.05/CMG/06/2020 tanggal 10 Juni 2022, Number SK Directors No. Kpts. B.220/DIR.01.05/
tentang penetapan organisasi Satuan Kerja Audit Intern CMG/06/2020 dated June 10, 2022 Concerning the
dengan bagan sebagai berikut: determination of the organization of the Internal Audit Work
Unit with the following chart:
Direktur Utama
President Director
Standard &
General Audit 1 General Audit 2 General Audit 3 IT Audit
Development
Keterangan:
JUMLAH AUDITOR DAN SERTIFIKASI YANG DIMILIKI NUMBER OF AUDITORS AND CERTIFICATIONS OWNED
Di tahun 2023, jumlah karyawan SKAI Bank Raya tercatat In 2023, Bank Raya Internal Audit Work Unit had 29 (twenty
sebanyak 29 (dua puluh sembilan) orang, termasuk Kepala nine) employees, including the Head of the Internal Audit
SKAI. Bank Raya membekali karyawan SKAI dengan program Work Unit. Bank Raya provides Internal Audit Work Unit
pendidikan dan pelatihan, termasuk program sertifikasi employees with education and training programs, including
auditor, baik tingkat nasional maupun internal, serta program auditor certification programs, both national and internal,
sertifikasi lainnya. Hal ini dilakukan untuk meningkatkan as well as other certification programs. This is carried out
efektivitas pelaksanaan audit di Perusahaan. to increase the effectiveness of audit implementation in the
Company.
Hingga 31 Desember 2023, daftar sertifikasi yang dimiliki As of December 31, 2023, the certifications held by SKAI Bank
karyawan SKAI Bank Raya adalah sebagai berikut: Raya employees is as follows:
Jenis Sertifikasi / Jumlah Auditor Internal /
Type of Certifications Total Internal Auditor
Qualified Internal Auditor (QIA) 1
BSMR 27
Total 31
468 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 469
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
12. Memberikan jasa konsultasi kepada pihak Internal untuk 12. Provide consulting services to internal parties to
memberikan nilai tambah dan perbaikan terhadap kualitas provide added value and improvements to the quality
pengendalian Internal, pengelolaan risiko dan tata kelola of internal control, risk management and corporate
perusahaan dengan tetap memperhatikan independensi governance while still paying attention to independence
dan objektivitas dan memperhatikan tersedianya sumber and objectivity and paying attention to the availability of
daya yang memadai. adequate resources.
13. Menjaga hubungan baik dengan Auditee, Auditor Ekstern 13. Maintain good relationships with Auditees, External
dan pihak ketiga dalam pelaksanaan kerja Audit Internal Auditors and third parties in the implementation of
(SKAI). Internal Audit work (SKAI).
14. Bekerja sama dengan Komite Audit dan unit kerja lain yang 14. Collaborate with the Audit Committee and other
melakukan fungsi pengendalian, antara lain Manajemen work units that carry out control functions, including
Risiko dan Kepatuhan dengan mengedepankan Risk Management and Compliance by prioritizing the
efektivitas fungsi pengendalian. effectiveness of the control function.
15. Menjadi liaison officer bagi pihak eksternal Bank Raya 15. Act as a liaison officer for external parties at Bank Raya in
dalam kaitannya dengan fungsi audit. relation to the audit function.
16. Menyusun program untuk mengevaluasi mutu kegiatan 16. Develop program to evaluate the quality of internal audit
audit internal yang dilakukannya; activities carried out;
17. Melakukan pemeriksaan khusus apabila diperlukan. 17. Conduct special inspection if needed.
18. SKAI Bank Raya dapat Berkomunikasi dengan Dewan 18. Bank Raya SKAI can communicate with the Board of
Komisaris, dan Komite Audit Bank Raya dalam rangka Commissioners and the Audit Committee of Bank Raya in
pelaksanaan pengawasan di Bank Raya. the context of implementing supervision at Bank Raya.
19. SKAI Bank Raya Menyampaikan Laporan Pelaksanaan dan 19. SKAI Bank Raya Submits Implementation Reports and
Pokok-Pokok Hasil Audit setiap triwulan dan semesteran, Principal Audit Results every quarter and semester, no
paling lambat 30 (tiga puluh) hari kalender setelah akhir later than 30 (thirty) calendar days after the end of the
bulan laporan. reporting month.
20. Dalam hal batas akhir waktu penyampaian Laporan 20. In the event that the deadline for submitting the main
pokok-pokok Hasil Audit yang disampaikan kepada SKAI Audit Result Report submitted to the Integrated SKAI
Terintegrasi sebagaimana dimaksud dalam poin S di atas as referred to in point S above falls on a national holiday,
jatuh pada hari libur nasional, maka laporan pokok-pokok then the main Audit Result report is submitted no later
Hasil Audit disampaikan paling lambat pada hari kerja than the following working day.
berikutnya.
470 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
- Penilaian efektivitas Struktur pengendalian Intern - Assessment of the effectiveness of the Internal
Hal ini dimaksudkan untuk menentukan sejauh mana control structure. This is intended to determine the
struktur tersebut sudah berfungsi dengan baik. extent to which the structure is functioning properly.
2. Proses Manajemen Risiko SKAI akan membantu 2. The Internal Audit Work Unit’s Risk Management Process
organisasi dengan cara mengidentifikasikan dan will assist the organization by identifying and evaluating
mengevaluasi risiko-risiko signifikan dan memberikan significant risks and contributing to the improvement of
kontribusi terhadap peningkatan pengelolaan risiko corporate risk management.
korporat.
3. Proses Tata Kelola Usaha (Governance) SKAI akan 3. The Internal Audit Work Unit’s Governance Process
melakukan penilaian, memberikan rekomendasi serta will conduct assessments, provide recommendations
berkontribusi dalam proses peningkatan tata kelola and contribute to the process of improving business
usaha dengan lingkup sebagai berikut: governance with the following scope:
- Pengembangan etika dan nilai-nilai dalam organisasi; - Development of ethics and values in the organization;
- Pengelolaan kinerja organisasi yang efektif dan - Effective and accountable organizational
akuntabel; performance management;
- Mengkomunikasikan seluruh risiko-risiko korporat - Communicating all corporate risks and proper internal
serta pengendalian internal yang tepat dalam controls within the organization;
organisasi;
- Mengkoordinasikan komunikasi yang efektif antara - Coordinate effective communication between the
Direksi, Komisaris dan auditor eksternal. Board of Directors, Board of Commissioners and
external auditors.
4. Satuan Kerja audit Intern dapat melakukan Reguler Audit, 4. The Internal Audit Work Unit can carry out Regular Audits,
Special Audit, dan Fraud Audit/Investigasi. Special Audits, and Fraud Audits/ Investigations.
5. Sebagai Strategic Business Partner, Satuan Kerja audit 5. As a Strategic Business Partner, the Internal Audit Work
Intern dapat memberikan layanan konsultasi atas sistem Unit can provide consulting services on internal control
pengendalian intern, manajemen risiko dan corporate systems, risk management and corporate governance
governance yang menjadi ruang lingkup auditnya. which are the scope of the audit.
6. Kepala SKAI dapat menolak memberikan layanan 6. The Head of Internal Audit Work Unit may refuse to
konsultasi apabila auditor Intern tidak memiliki provide consulting services if the Internal Auditor
kemampuan dan kompetensi yang memadai atas materi does not have sufficient ability and competence on the
konsultasi yang diminta. consulting material requested.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 471
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pelaksanaan Kegiatan Non Audit SKAI 2023 Implementation of the Internal Audit Work Unit’s Non-Audit
Activities in 2023
No Aktivitas / Activities Pelaksanaan / Implementation
1 Launching Website Whistleblowing System / Launching of Whistleblowing System Website 15 Maret 2023 / March 15, 2023
2 Forum Internal Audit dan Manajemen Risiko / Internal Audit and Risk Management Forum 24 Maret 2023 / March 24, 2023
4 April - 15 Juli 2023 / April 4 -
3 Pendampingan Audit Eksternal terkait MRSI / Assistance with External Audits related to MRSI
July 15, 2023
30 Mei - 31 Juli 2023 / May 30 -
4 Kaji Ulang Eksternal Fungsi Audit Intern / External Review of Internal Audit Function
July 31, 2023
Diskusi SKAI dan Divisi Big Data terkait FRA / Discussion of SKAI and Big Data Division regarding
5 Juni 2023 / June 2023
FRA
7 Agustus 2023 / August 7,
6 Acara Bincang Teman SKAI (BTS) Bulan Agustus 2023 / SKAI Friendly Talk (BTS) in August 2023
2023
Acara Bincang Teman SKAI (BTS) Bulan September 2023 / SKAI Friendly Talk (BTS) in September 4 September 2023 /
7
2023 September 4, 2023
13 Oktober 2023 / October 13,
8 Acara Bincang Teman SKAI (BTS) Bulan Oktober 2023 / SKAI Friendly Talk (BTS) in October 2023
2023
Acara Bincang Teman SKAI (BTS) Bulan November 2023 / SKAI Friendly Talk (BTS) in November 21 November 2023 / November
9
2023 21, 2023
Acara Bincang Teman SKAI (BTS) Bulan Desember 2023 / SKAI Friendly Talk (BTS) in December 14 Desember 2023 / December
10
2023 14, 2023
Desember 2023 / December
11 Pelaksanaan Quality Assurance Internal SKAI / Implementation of SKAI Internal Quality Assurance
2023
12 Revisi Piagam Audit Internal / Revision of the Internal Audit Charter Oktober 2023 / October 2023
Agenda Rapat SKAI dengan Direksi Internal Audit Work Unit Meeting Agenda with the Board of
Directors
No Tanggal / Date Agenda Rapat / Meeting Agenda
1 6 Maret 2023 / March 6, 2023 Rencana Penyelesaian Permasalahan Debitur / Debtor Problem Resolution Plan
2 20 Maret 2023 / March 20, 2023 Materi KTKT Semester 2 2022 / KTKT Semester 2 2022 material
472 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
3 15 Mei 2023 / May 15, 2023 Materi Radirkom April 2023 / BOD BOC joint meeting material for April 2023
4 10 Juli 2023 / July 10, 2023 Tindak Lanjut Penyelesaian Debitur / Follow-up on Debtor Settlement
29 November 2023 / November 29,
5 Tindak Lanjut Penyelesaian Debitur / Follow-up on Debtor Settlement
2023
Agenda Rapat SKAI dengan Komite Audit Internal Audit Work Unit Meeting Agenda with the Audit
Committee
No Tanggal / Date Agenda Rapat / Meeting Agenda
Rapat Laporan Kinerja SKAI/Triwulan I Tahun 2023 / SKAI Performance Report Meeting/
1 24 Mei 2023 / May 24, 2023
Quarter I 2023
Rapat Laporan Kinerja SKAI/Triwulan II Tahun 2023 / SKAI Performance Report Meeting/
2 26 Juli 2023 / July 26, 2023
Quarter II 2023
Rapat Laporan Kinerja SKAI/Triwulan III Tahun 2023 / SKAI Performance Report Meeting/
3 16 Oktober 2023 / October 16, 2023
Quarter III 2023
4 Desember 2023 / December 4, Pembahasan Temuan OJK 2023 dan temuan / Discussion of 2023 OJK Findings and Update
4
2023 on Issue findings
PROGRAM PENGEMBANGAN KOMPETENSI SKAI INTERNAL AUDIT WORK UNIT COMPETENCY DEVELOPMENT
PROGRAM
Bank Raya memberikan kesempatan kepada SKAI untuk Bank Raya provides the Internal Audit Work Unit with the
meningkatkan kapasitas dan kompetensinya dengan opportunity to increase its capacity and competency by
mengikuti program pendidikan dan pelatihan, baik yang participating in education and training programs, both
diselenggarakan oleh internal Bank maupun oleh pihak organized internally by the Bank and by third parties. This
ketiga. Hal ini dilakukan untuk menunjang pelaksanaan tugas is done to support the implementation of audit duties in the
audit di Perusahaan. Company.
Di tahun 2023, Kepala SKAI dan karyawan SKAI mengikuti In 2023, the Head of the Internal Audit Work Unit and
program pendidikan dan pelatihan sebagai berikut: employees of the Internal Audit Work Unit participated in the
following education and training programs:
Program pendidikan dan pelatihan Kepala SKAI Education and Training Program for the Head of the Internal
Audit Work Unit
Jenis Program / Materi Pendidikan dan Pelatihan / Waktu / Penyelenggara /
Type of Program Education and Training Material Time Organizers
8 Juni 2023 / June 8,
Online Training Training Culture Leader 2023 PWC
2023
Sharing Session Tematik Audit Raya / Raya Thematic Audit Sharing 12 Juli 2023 / July 12,
Offline Training Bank Raya
Session 2023
Forum Penguatan Governansi dan Integritas Pelaporan Keuangan
26 September 2023 /
Offline Training Sektor Jasa Keuangan / Forum for Strengthening Governance and OJK
September 26, 2023
Integrity of Sector Financial Reporting for Financial Services Sector
21 September 2023 /
Offline Training Workshop Audit Management System (AMS) Bank Raya
September 21, 2023
1-30 November 2023 /
Offline Training E-Learning Anti Bribery Bank Raya
November 1-30, 2023
10 November 2023 /
Offline Training Seminar Fraud dan Gratifikasi / Fraud and Gratuity Seminar Bank Raya
November 10, 2023
Komunikasi Efektif dan Psikologi Auditor dalam Membentuk
6-7 Desember 2023 /
Offline Training Karakter Positif / Effective Auditor Communication and Psychology Bank Raya
December 6-7, 2023
in Forming Positive Character
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 473
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Program Pendidikan dan Pelatihan Karyawan SKAI Internal Audit Work Unit Employee Education and Training
Program
Penyelenggara / Tanggal Pelaksanaan / Peserta /
Training/Seminar
Organizers Implementation Date Participant
Kepala dan Wakil Kepala SKAI dan
Pendidikan Digital Transformation / Digital Transformation 16 Januari 2023 / January Seluruh Grup Head /Kabag / Head and
Internal Bank Raya
Education 16, 2023 Deputy Head of SKAI and all Group
Heads / Heads of Divisions
Refreshment Sertifikasi Anti Fraud Manager (CAFM) / 9 Februari 2023 / February 1 (satu) Kepala Group Auditor / 1 (one)
AAFM
Certified Anti Fraud Manager (CAFM) Refreshment 9, 2023 Head of Auditor Group
E-Learning Perizinan Produk Bank / Bank Product Licensing 1-28 Februari 2023 / 4 (empat) staff SKAI / 4 (four) SKAI
Internal Bank Raya
E-Learning February 1-28, 2023 staffs
Sertifikasi Management Risiko Level 1 / Level 1 Risk 8-9 Februari 2023 /
Efektif Pro 2 (dua) staff SKAI / 2 (two) SKAI staffs
Management Certification February 8-9, 2023
E-Learning Culture & Digital Transformation / E-Learning on Februari 2023 / February
Internal Bank Raya 5 (lima) staff SKAI / 5 (five) SKAI staffs
Culture & Digital Transformation 2023
Training Culture Ranger Internal Bank Raya 8 Juni 2023 / June 8, 2023 5 (lima) staff SKAI / 5 (five) SKAI staffs
Training Culture Leader PWC 8 Juni 2023 / June 8, 2023 Kepala SKAI / Head of SKAI
474 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
FUNGSI KEPATUHAN
Compliance Function
Peran dan fungsi kepatuhan dalam perbankan adalah The role and function of compliance in banking is to ensure
memastikan eksposur risiko dalam kegiatan usaha Bank that risk exposure in the Bank’s business activities can be
dapat ditekan dengan berbagai cara tindakan yang bersifat minimized by various preventive measures (ex-ante). Banks
preventif (ex-ante). Bank dihadapkan pada penambahan are faced with additional risk exposure, therefore preventive
eksposur risiko sehingga diperlukan upaya yang bersifat (ex-ante) and curative (ex-post) efforts are needed to mitigate
preventif (ex-ante) maupun kuratif (ex-post) untuk memitigasi these risks.
risiko tersebut.
Berdasarkan Peraturan OJK No. 46/POJK.03/2017 tentang Compliance function based on OJK Regulation No. 46/
pelaksanaan Fungsi Kepatuhan Bank Umum, disebutkan POJK.03/2017 concerning the implementation of the
bahwa fungsi kepatuhan meliputi tindakan di antaranya: Compliance Function of Commercial Banks is as follows:
• Mewujudkan terlaksananya Budaya Kepatuhan pada • Realize the implementation of a Compliance Culture at all
semua tingkatan organisasi dan kegiatan usaha Bank; levels of the Bank’s organization and business activities;
• Mengelola risiko Kepatuhan yang dihadapi oleh Bank; • Manage Compliance risks faced by the Bank;
• Memastikan agar kebijakan, ketentuan, sistem dan • Ensure that policies, provisions, systems and procedures
prosedur serta kegiatan usaha yang dilakukan oleh Bank as well as business activities carried out by the Bank
sesuai dengan ketentuan Otoritas Jasa Keuangan dan are in accordance with the provisions of the Financial
ketentuan peraturan perundang-undangan; Services Authority and the laws and regulations;
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 475
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
• Memastikan kepatuhan Bank terhadap komitmen yang • Ensure the Bank’s compliance with commitments
dibuat oleh Bank kepada OJK dan/atau otoritas pengawas made by the Bank to the OJK and/or other competent
lain yang berwenang. supervisory authorities.
Bagian Kepatuhan melakukan pengujian prinsip kehati- The Compliance Section carries out prudential principle
hatian terhadap putusan Kredit dan non Kredit, rencana testing on Credit and non-Credit decisions, Credit and non-
Kebijakan Kredit dan non Kredit serta rencana perjanjian Credit Policy plans and Cooperation agreement plans signed
Kerja sama yang ditandatangani Direksi yang dalam by the Board of Directors, the implementation of which
pelaksanaannya berpedoman pada Surat edaran Direksi refers to the Board of Directors Circular Letter No. SE.B.44/
No. SE.B.44/DIR.01.02/KRH/04/2019 tanggal 30 April 2019 DIR.01.02/KRH/04/2019 dated April 30, 2019 concerning
tentang pengujian prinsip Kehati-hatian terhadap rencana testing on the Prudential principle on Policy plans and/
Kebijakan dan atau Keputusan Direksi Serta pemantauan or Decisions of the Board of Directors and monitoring the
tindak Lanjut Hasil pengujian oleh Direktur Kepatuhan PT follow-up results of the testing by the Director of Compliance
Bank Raya Indonesia Tbk. of PT Bank Raya Indonesia Tbk.
Berdasarkan Surat Keputusan Direksi Bank Raya No. Kpts. Based on the Decree of the Board of Directors of Bank
B.206/DIR.01.05/CMG/06/2022 tanggal 06 Juni 2022 Raya No. Kpts.B.206/DIR.01.05/CMG/06/2022 dated June
tentang Penetapan Organisasi PT Bank Raya Indonesia Tbk, 06, 2022, concerning Determination of the Organization
dan No.Kpts B.237/DIR.01.03/CMG/07/2023 tanggal 31 Juli of PT Bank Raya Indonesia Tbk, and No.Kpts B.237/
2023 tentang Penyesuaian Kembali Struktur Organisasi dan DIR.01.03/CMG/07/2023 dated July 31, 2023, concerning the
Formasi Divisi Legal & Compliance, sebagai Satuan Kerja Readjustment of Organizational Structure and Formation of
Kepatuhan memiliki struktur sebagai berikut: Legal & Compliance Division, as a Compliance Work Unit with
the following structure:
476 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
TUGAS DAN TANGGUNG JAWAB SATUAN KERJA DUTIES AND RESPONSIBILITIES OF THE COMPLIANCE
KEPATUHAN WORK UNIT
Fungsi Kepatuhan memiliki tugas dan tanggung jawab The duties and responsibilities of the Compliance Function
sebagai berikut: are as follows:
1. Membuat langkah untuk mendukung terciptanya Budaya 1. Make steps to support the creation of a Compliance
Kepatuhan pada seluruh kegiatan usaha Bank pada setiap Culture in all Bank business activities at every level of the
jenjang organisasi; organization;
2. Melakukan identifikasi, pengukuran, pemantauan 2. Identify, measure, monitor, and control Compliance
dan pengendalian terhadap risiko Kepatuhan dengan risks by referring to OJK regulations which regulate the
mengacu pada ketentuan OJK yang mengatur mengenai implementation of risk management for commercial
penerapan manajemen risiko bagi bank umum; banks;
3. Menilai dan mengevaluasi efektivitas, kecukupan dan 3. Assess and evaluate the effectiveness, adequacy, and
kesesuaian kebijakan, ketentuan, sistem maupun conformity of the Bank’s policies, provisions, systems and
prosedur yang dimiliki oleh Bank dengan ketentuan procedures with the provisions of laws and regulations.
peraturan perundang-undangan.
4. Melakukan kaji ulang dan/atau merekomendasikan 4. Review and/or recommend updates and improvements to
pembaruan dan penyempurnaan kebijakan, ketentuan, the Bank’s policies, provisions, systems and procedures
sistem maupun prosedur yang dimiliki oleh Bank agar so that they comply with OJK provisions and the laws and
sesuai dengan ketentuan OJK dan ketentuan peraturan regulations;
perundang-undangan;
5. Melakukan upaya untuk memastikan bahwa kebijakan, 5. Make efforts to ensure that the Bank’s policies, provisions,
ketentuan, sistem dan prosedur serta kegiatan usaha systems, and procedures as well as business activities
Bank telah sesuai dengan ketentuan OJK dan ketentuan are in accordance with OJK provisions and statutory
perundang-undangan. provisions.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 477
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PELAKSANAAN PROGRAM KERJA FUNGSI KEPATUHAN IMPLEMENTATION OF THE COMPLIANCE FUNCTION WORK
TAHUN 2023 PROGRAM IN 2023
Direktur yang membawahi fungsi kepatuhan dibantu oleh The Director in charge of the compliance function is assisted
Satuan Kerja Kepatuhan yang bertanggung jawab untuk by the Compliance Work Unit which is responsible for taking
membuat langkah-langkah dalam rangka mendukung steps to support the creation of a culture of compliance in
terciptanya budaya kepatuhan pada seluruh kegiatan all Bank business activities at every level of the organization.
usaha Bank pada setiap jenjang organisasi. Di tahun 2023, Implementation of the Compliance Function in 2023 is as
implementasi Fungsi Kepatuhan antara lain melalui: follows:
1. Sosialisasi/Pelatihan 1. Dissemination/Training
a. Pendidikan / Sosialisasi Bidang Kepatuhan. a. Education/Socialization in the Compliance Sector.
Sosialisasi/Pendidikan Bidang Kepatuhan / Tanggal Pelaksanaan / Peserta /
No
Compliance Dissemination /Education Implementation Date Participants
Semester I / Semester I
478 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Semester II / Semester II
In house training Manajerial (Batch IV) / / In-house Managerial Pekerja level Manager / Manager-level
1. 4-6 Juli 2023 / July 4-6, 2023
training (Batch IV) employees
Monitoring dan Pembinaan KC Utama / Monitoring and Seluruh Pekerja Bank Raya KC Utama / All Bank
2. 2 Agustus 2023 / August 2, 2023
Development of Main Branch Office Raya Main Branch Office Employees
Seluruh Pekerja Bank Raya KC Warung Jati
Monitoring dan Pembinaan KC Warung Jati / Monitoring and
3. 3 Agustus 2023 / August 3, 2023 / All Bank Raya Warung Jati Branch Office
Development of Warung Jati Branch Office
Employees
Seluruh Pekerja Bank Raya KC Pekanbaru
Monitoring dan Pembinaan KC Pekanbaru / Monitoring and
4. 10 Agustus 2023 / August 10, 2023 / All Bank Raya Pekanbaru Branch Office
Development of Pekanbaru Branch Office
Employees
Monitoring dan Pembinaan CB Solo / Monitoring and Seluruh Pekerja Bank Raya CB Solo / All Bank
5. 15 Agustus 2023 / August 15, 2023
Development of Solo Community Branch Raya Solo Community Branch Employees
E learning Sistem Manajemen Anti Penyuapan / E-Learning of 16-30 November 2023 / November Seluruh pekerja Bank Raya / All Bank Raya
6.
Anti-Bribery Management System 16-30, 2023 employees
Refreshment Supervisor Operasional & Layanan (SOL) / 2-4 Oktober 2023 / October 2-4,
7. SOL
Refreshment of Operational and Service Supervisor (SOL) 2023
Refreshment CS & Petugas SDM Kesekretariatan
9-11 Oktober 2023 / October 9-11, CS & Petugas SDM Kesekretariatan / CS &
8. Kesekretariatan / Refreshment of CS and Secretarial HR
2023 Secretarial HR Officers
Officer
Refreshment Teller, Umum & MIS / Refreshment of Teller, 16-18 Oktober 2023 / October 16-18,
9. Teller, Umum & MIS / Teller, General & MIS
General & MIS 2023
E- Learning Sistem Manajemen Mutu / E-Learning of Quality 31 Oktober-10 November 2023 / Seluruh pekerja Bank Raya / All Bank Raya
10.
Management System October 31-November 10, 2023 employees
Webinar Strategi Anti Fraud dan Pengendalian Gratifikasi / 10 November 2023 / November 10, Seluruh pekerja Bank Raya / All Bank Raya
11.
Webinar of Anti-Fraud Strategy and Gratification Control 2023 employees
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 479
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Monitoring dan Pembinaan KC Utama / Monitoring and 2 Agustus 2023 / August 2, Seluruh Pekerja di Bank Raya KC Utama / All
1.
Development of Main Branch Office 2023 Employees at Bank Raya Main Branch Office
Monitoring dan Pembinaan KC Warung Jati / Monitoring and 3 Agustus 2023 / August 3, Seluruh Pekerja di Bank Raya KC Warung Jati / All
2.
Development of Warung Jati Branch Office 2023 Employees of Bank Raya Warung Jati Branch Office
Monitoring dan Pembinaan KC Pekanbaru / Monitoring and 10 Agustus 2023 / August 10, Seluruh Pekerja di Bank Raya KC Pekanbaru / All
3.
Development of Pekanbaru Branch Office 2023 Employees of Bank Raya Pekanbaru Branch Office
Monitoring dan Pembinaan CB Solo / Monitoring and 15 Agustus 2023 / August 15, Seluruh Pekerja di Bank Raya CB Solo / All
4.
Development of Solo Community Branch 2023 Employees at Bank Raya Solo Community Branch
02-12 Oktober 2023 / October Seluruh Pekerja di Bank Raya / All Employees at
5. E-Learning SIPESAT / E-Learning of SIPESAT
02-12, 2023 Bank Raya
Di tahun 2023, Satuan Kerja Kepatuhan mengikuti program In 2023, the Compliance Work Unit participated in the
pengembangan dan pelatihan sebagai berikut: following development and training program:
Jenis Program / Materi Pendidikan dan Pelatihan / Waktu / Penyelenggara /
Type of Program Education and Training Material Time Organizers
26 Oktober 2023 / October
Awareness ISO 37001:2016 Awareness Training Robere & Associates
26, 2023
17 Januari 2023 / Jaunary Otoritas Jasa Keuangan /
Webinar Tren Perbankan di Tahun 2023 / Banking Trends in 2023
17, 2023 Financial Services Authority
480 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Berdasarkan Surat Edaran Otoritas Jasa Keuangan No. Based on Financial Services Authority Circular No. 35/
35/SEOJK.03/2017 tanggal 07 Juli 2017 tentang Pedoman SEOJK.03/2017 dated July 07, 2017 concerning Standard
Standar Sistem Pengendalian Intern Bagi Bank Umum, Guidelines for Internal Control System for Commercial
Bank Raya memiliki Sistem Pengendalian Internal (SPI). Banks, Bank Raya has an Internal Control System (SPI). The
Sistem pengendalian Internal merupakan komponen penting internal control system is an important component in bank
dalam manajemen bank dan menjadi dasar bagi kegiatan management and is the basis for a sound and safe bank
operasional bank yang sehat dan aman. operational activity.
SPI Bank Raya merupakan suatu mekanisme pengawasan yang SPI of Bank Raya is a supervisory mechanism established
ditetapkan oleh manajemen Bank secara berkesinambungan by the Bank’s management on an ongoing basis whose
(on going basis) yang pelaksanaannya dipengaruhi oleh implementation is influenced by the Board of Commissioners,
Dewan Komisaris, Direksi serta seluruh pejabat dan pegawai Board of Directors, and all officers and employees of the
Bank, dirancang untuk dapat memberikan keyakinan yang Bank, designed to provide adequate confidence in order to:
memadai guna:
1. Menjaga dan mengamankan harta kekayaan Bank; 1. Maintain and secure Bank assets;
2. Menjamin tersedianya laporan yang akurat; 2. Ensure the availability of accurate reports;
3. Meningkatkan kepatuhan terhadap ketentuan yang 3. Increase compliance with applicable regulations;
berlaku;
4. Mengurangi dampak kerugian keuangan, penyimpangan 4. Minimize the impact of financial losses and irregularities,
termasuk kecurangan (fraud) dan pelanggaran aspek including fraud and violations of prudential aspects;
kehati-hatian;
5. Meningkatkan efektivitas organisasi dan meningkatkan 5. Increase organizational effectiveness and increase cost
efisiensi biaya. efficiency.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 481
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pihak Pengelola Pelaksanaan Sistem pengendalian Internal Internal Control System Implementation Management Party
Sistem Pengendalian Bank Raya dilakukan oleh: Control System Bank Raya is carried out by:
1. Direksi dan seluruh pejabat Bank, yang memberikan 1. Directors and all Bank officials, who provide direction,
arahan, petunjuk dan pengawasan; guidance, and supervision;
2. Komite eksekutif; 2. Executive committee;
3. Unit Bisnis sebagai Lapis pertahanan pertama (the First 3. Business Units as the First Line of Defense;
Line of Defense);
4. Satuan Kerja yang berfungsi sebagai Lapis pertahanan 4. The Work Unit that functions as the Second Line of
Kedua (the Second Line of Defense) dalam hal ini adalah Defense in this case is the Risk Management Work Unit
Satuan Kerja Manajemen risiko dan Satuan Kerja and the Compliance Work Unit;
Kepatuhan;
5. SKAI sebagai Lapis pertahanan Ketiga (the Third Line of 5. SKAI as the Third Line of Defense;
Defense);
6. Seluruh pekerja 6. All workers
st Comply Assurance
Business
1 Business Unit
Review and
Process
Line
compliance testing
(comply with
regulation)
nd th
2 Compliance Unit 4 Compliance Unit
Line Line
Internal
Control
Internal
nd Policy & th
2 Risk Management Unit Procedures 5 Risk Management Unit
Line (Guideline Line
of Business)
Risk
rd
3 Internal Audit Unit
Line
482 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PENERAPAN SISTEM PENGENDALIAN INTERN DAN IMPLEMENTATION OF THE INTERNAL CONTROL SYSTEM
KESESUAIAN DENGAN COSO - INTERNAL CONTROL AND COMPLIANCE WITH THE COSO - INTERNAL CONTROL
FRAMEWORK FRAMEWORK
Bank Raya menerapkan Sistem pengendalian Intern Bank Raya implements an Internal Control System that
yang mengacu pada COSO (Committee of the Sponsoring refers to COSO (Committee of the Sponsoring Organizations
organizations of the treadway Commission) – Internal of the Treadway Commission) - Internal Control Integrated
Control Integrated Framework dalam menyusun kerangka Framework in preparing an internal control framework that
kerja pengendalian intern yang memastikan kecukupan ensures the adequacy of operational and financial controls,
pengendalian operasional maupun finansial, pelaporan financial reporting, operational effectiveness and efficiency,
keuangan, efektivitas dan efisiensi operasional, serta as well as compliance with applicable laws and regulations.
kepatuhan terhadap hukum dan peraturan yang berlaku.
Sistem pengendalian intern Bank Raya telah sesuai dengan Bank Raya’s internal control system is in accordance with
Internal Control Integrated Framework yang dikembangkan the Internal Control Integrated Framework developed by
oleh the Committee of Sponsoring organization of the the Committee of Sponsoring Organization of the Treadway
treadway Commission (COSO). Tujuan pengendalian intern Commission (COSO). Internal control objectives according to
menurut COSO meliputi tujuan operasional, tujuan pelaporan COSO include operational objectives, reporting objectives,
dan tujuan kepatuhan. and compliance objectives.
Tujuan operasional berkaitan dengan efektivitas efisiensi Operational objectives relate to the effectiveness of
operasi. Tujuan pelaporan berkaitan dengan kepentingan operational efficiency. Reporting objectives relate to the
pelaporan keuangan yang memenuhi kriteria andal, tepat interests of financial reporting that meets the criteria of
waktu, transparan dan persyaratan lain yang ditetapkan reliability, timeliness, transparency and other requirements
oleh regulator maupun Bank. Sedangkan tujuan kepatuhan set by the regulator and the Bank. Meanwhile, compliance
berkaitan dengan kepatuhan Bank terhadap hukum dan objectives relate to the Bank’s compliance with laws and
peraturan perundang-undangan. regulations.
Dalam COSO disebutkan bahwa pengendalian internal In COSO, it is stated that internal control is a system or
merupakan sistem atau proses yang dijalankan oleh Dewan process carried out by the Board of Commissioners, Board of
Komisaris, Direksi, Manajemen serta pekerja dalam sebuah Directors, Management and workers in a company, to provide
perusahaan, untuk menyediakan jaminan yang memadai demi reasonable assurance for achieving control objectives.
tercapainya tujuan pengendalian. Menurut COSO, unsur- According to COSO, the elements of internal control include
unsur pengendalian intern meliputi komponen-komponen the following components:
sebagai berikut:
1. Lingkungan pengendalian; 1. Control environment;
2. Penilaian risiko ; 2. Risk assessment;
3. Kegiatan pengendalian; 3. Control activities;
4. Informasi dan Komunikasi; 4. Information and Communication;
5. Kegiatan pemonitoran. 5. Monitoring activities.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 483
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Unsur Pengendalian
Intern / Internal Kesesuaian / Conformity
Control Elements
Dewan Komisaris melalui Komite-komite yang telah dibentuk secara berkala telah melakukan pengkajian atas
Lingkungan lingkungan pengendalian dan melakukan penilaian secara independen yang dikomunikasikan kepada Direksi untuk
Pengendalian / ditindaklanjuti. / The Board of Commissioners, through the Committees that have been established, has periodically
Control Environment reviewed the control environment and carried out independent assessments which have been communicated to
the Board of Directors for follow-up.
Direksi telah menetapkan prosedur untuk mengantisipasi, mengidentifikasi dan menindaklanjuti kejadian dan
kendala yang dapat berpengaruh terhadap pencapaian sasaran. Dewan Komisaris melalui Komite pemantau
Penilaian Risiko / risiko, memastikan bahwa Direksi telah melaksanakan pengelolaan risiko secara baik. / The Board of Directors
Risk Assessment has established procedures to anticipate, identify, and follow up on events and obstacles that may affect target
achievement. The Board of Commissioners, through the risk monitoring committee, ensures that the Board of
Directors has properly implemented risk management.
Kebijakan dan prosedur bagi unit-unit bisnis dan operasional telah disusun serta disetujui oleh Direksi yang secara
berkala ditinjau dan diperbaharui oleh Desk Risk Management. Divisi Legal & Compliance bertanggung jawab
untuk mensosialisasikan ketentuan regulator yang terbaru, melakukan uji kepatuhan atas kebijakan internal baru
serta usulan atas produk ataupun aktivitas baru, menerapkan program Anti Pencucian Uang (APU), Pencegahan
Pendanaan Terorisme (PPT) serta memonitor pelaksanaan kepatuhan yang diverifikasi oleh Unit Kerja independen.
Divisi Legal & Compliance menyampaikan laporan kepatuhan secara berkala kepada Dewan Komisaris, Direksi
dan regulator. Pejabat perusahaan secara berkala meninjau kembali keberadaan dan efektivitas pengendalian,
melakukan pembagian tugas yang memadai, melakukan verifikasi rutin dan akurasi data serta memiliki dan menguji
Aktivitas Pengendalian
rencana penanganan kondisi darurat. / Policies and procedures for business and operational units have been
/ Control Activity
prepared and approved by the Board of Directors and are regularly reviewed and updated by the Risk Management
Desk. The Legal & Compliance Division is responsible for disseminating the latest regulatory provisions, conducting
compliance tests on new internal policies and proposals for new products or activities, implementing Anti-Money
Laundering (AML), Counter Terrorism Financing (CTF) programs and monitoring compliance implementation which
is verified by Independent Work Unit. The Legal & Compliance Division submits regular compliance reports to the
Board of Commissioners, Board of Directors and regulators. Company officials periodically review the existence
and effectiveness of controls, carry out adequate division of tasks, carry out routine verification and data accuracy,
and have and test plans for handling emergency conditions.
Telah tersedia prosedur dan sistem mengenai pengumpulan data dan teknologi informasi yang dapat menghasilkan
Informasi dan laporan kegiatan usaha, kondisi keuangan, penerapan manajemen risiko dan pemenuhan ketentuan yang
Komunikasi / mendukung pemenuhan tugas Direksi dan Dewan Komisaris. / Procedures and systems regarding data collection
Information and and information technology are available that can produce reports on business activities, financial conditions,
Communication implementation of risk management and fulfillment of provisions that support the fulfillment of the duties of the
Board of Directors and Board of Commissioners.
Direksi, pejabat Bank dan SKAI melakukan pemantauan secara terus menerus terhadap efektivitas keseluruhan
pelaksanaan pengendalian intern. Pemantauan terhadap risiko utama telah diprioritaskan dan menjadi bagian
Kegiatan Pemonitoran
dari kegiatan sehari-hari, termasuk evaluasi secara berkala. / The Board of Directors, Bank officials and SKAI
/ Monitoring Activities
continuously monitor the overall effectiveness of the implementation of internal control. Monitoring key risks has
been prioritized and is part of daily activities, including regular evaluations.
Direksi, pejabat Bank dan SKAI melakukan pemantauan The Board of Directors, Bank officials and SKAI continuously
secara terus menerus terhadap efektivitas keseluruhan monitor the overall effectiveness of the implementation of
pelaksanaan pengendalian intern. Pemantauan terhadap internal control. Monitoring key risks has been prioritized and
risiko utama telah diprioritaskan dan menjadi bagian dari is part of daily activities, including regular evaluations.
kegiatan sehari-hari, termasuk evaluasi secara berkala.
484 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
operasional bisnis di Kantor Cabang maupun Kantor Cabang and sub-branch Offices. SKAI has also established a team of
pembantu. SKAI juga telah membentuk tim auditor reguler regular auditors and a team of technology auditors who will
dan tim auditor teknologi yang akan melaksanakan fungsi carry out the assurance function by ensuring that the internal
assurance dengan memastikan proses pengendalian internal control process in the Work Unit is effective and carrying out
di Unit Kerja telah efektif, dan melaksanakan konsultasi yang independent and objective consultations.
bersifat independen dan objektif.
PERNYATAAN DIREKSI DAN/ATAU DEWAN KOMISARIS ATAS STATEMENT OF THE BOARD OF DIRECTORS AND/OR BOARD
KECUKUPAN SISTEM PENGENDALIAN INTERN OF COMMISSIONERS ON THE ADEQUACY OF THE INTERNAL
CONTROL SYSTEM
Dewan Komisaris memiliki tanggung jawab dan telah The Board of Commissioners has responsibility and has
melakukan pengawasan terhadap pelaksanaan Sistem supervised the implementation of the Internal Control
Pengendalian Intern, termasuk menyetujui dan memantau System, including approving and monitoring the Board of
kebijakan Direksi yang menetapkan pengendalian intern Directors’ policies that determine internal control. In carrying
tersebut. Dalam menjalankan tugas, wewenang dan tanggung out its duties, authority and responsibility for supervision,
jawab melakukan pengawasan, Dewan Komisaris dibantu the Board of Commissioners is assisted by the Audit
oleh Komite Audit, Komite Pemantau Risiko dan Komite Committee, Risk Monitoring Committee, and Nomination and
Nominasi dan Remunerasi. Remuneration Committee.
Direksi bertanggung jawab atas terselenggaranya Sistem The Board of Directors is responsible for the implementation
Pengendalian Intern yang andal dan efektif serta telah of a reliable and effective Internal Control System and has
melakukan upaya-upaya untuk meningkatkan budaya sadar made efforts to improve an effective risk awareness culture
risiko yang efektif di setiap level organisasi. Sementara itu at every level of the organization. Meanwhile, the Director
Direktur yang membawahkan fungsi kepatuhan berperan in charge of the compliance function plays an active role
aktif dalam mencegah adanya penyimpangan yang dilakukan in preventing deviations by management in establishing
oleh manajemen dalam menetapkan kebijakan berkaitan policies related to the prudence principle.
dengan prinsip kehati-hatian.
Di tahun 2023, Dewan Komisaris dan Direksi menilai bahwa The Board of Commissioners and Directors assessed that
sistem pengendalian intern Bank telah memadai. Secara the Bank’s internal control system is adequate in 2023.
berkala, manajemen melakukan monitoring dan perbaikan Management periodically monitors and improves the
terhadap Sistem Pengendalian Internal Perusahaan. Hal Company’s Internal Control System. This is done to ensure
tersebut dilakukan untuk memastikan bahwa Sistem that the Internal Control System can run well and effectively.
Pengendalian Internal dapat berjalan dengan baik dan efektif.
MANAJEMEN RISIKO
Risk Management
Manajemen risiko adalah serangkaian metodologi dan Risk management is a set of methodologies and procedures
prosedur yang digunakan untuk mengidentifikasi, mengukur, used to identify, measure, monitor, and control risks arising
memantau, dan mengendalikan risiko yang timbul dari seluruh from all Bank business activities, including efforts to mitigate
kegiatan usaha Bank, termasuk upaya untuk memitigasi and/or minimize financial and non-financial losses that
dan atau meminimalkan kerugian finansial maupun non may arise from bank products or activities, the relationship
finansial yang mungkin timbul dari produk atau aktivitas between bank with customers, and internal bank operations.
bank, hubungan antara bank dengan nasabah maupun dalam
internal Bank.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 485
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Prinsip-prinsip manajemen risiko yang diterapkan di Bank Bank Raya’s risk management principles are one of the
Raya merupakan salah satu faktor utama dalam menunjang main factors in supporting the Bank’s success and actively
keberhasilan Bank dan secara aktif untuk mendukung supporting the bank’s sustainable growth. Risk management
pertumbuhan bank yang berkesinambungan. Pengelolaan within the Company basically refers to OJK provisions,
Manajemen risiko di lingkup perusahaan pada dasarnya namely OJK Regulation No. 18/POJK.03/2016 dated March
mengacu kepada ketentuan-ketentuan OJK yaitu Peraturan 16, 2016, and OJK Circular Letter no. 34/ SEOJK.03/2016
OJK No. 18/POJK.03/2016 tanggal 16 Maret 2016 dan Surat dated September 01, 2016, concerning the implementation
Edaran OJK No. 34/ SEOJK.03/2016 tanggal 01 September of risk management for Commercial Banks. The Bank’s risk
2016 tentang penerapan Manajemen risiko bagi Bank management framework establishes a risk management
Umum. Kerangka kerja manajemen risiko Bank menetapkan approach and control framework where risk is managed to
pendekatan pengelolaan risiko dan kerangka pengendalian obtain a balance between risk and return.
di mana risiko dikelola untuk mendapatkan keseimbangan
antara risiko (risk) dan pendapatan (return).
Penerapan kerangka kerja manajemen risiko dilakukan The risk management framework is implemented by
melalui perumusan tingkat risiko yang akan diambil (risk determining the degree of risk to be accepted (risk appetite)
appetite), dan toleransi risiko (risk tolerance) bagi setiap jenis and risk tolerance for each category of risk, designing suitable
risiko, pengembangan kebijakan dan prosedur manajemen risk management policies and procedures, and establishing
risiko yang berkesesuaian serta pengembangan struktur an integrated internal control system. Furthermore, the bank
pengendalian internal secara terpadu. Selain itu, Bank juga fosters a risk culture that stresses risk awareness among
membangun budaya risiko yang menitikberatkan kesadaran all workers as well as the efficacy of the risk management
seluruh karyawan akan risiko dan efektivitas proses process.
manajemen risiko
Sesuai kewenangan yang didelegasikan oleh Dewan The risk monitoring committee evaluates risk management
Komisaris, Komite pemantau risiko mengevaluasi kebijakan policies and monitors their implementation, develops a risk
manajemen risiko, dan memantau implementasinya, management culture, and ensures that adequate resources
mengembangkan budaya pengelolaan risiko serta have been developed to ensure risk management in the Bank,
memastikan sumber daya yang memadai telah dikembangkan in accordance with the authority delegated by the Board of
untuk memastikan pengelolaan risiko di Bank. Commissioners.
Sementara Komite Manajemen risiko bertanggung jawab While the Risk Management Committee reports to the
kepada Direktur Utama dengan tugas utamanya menyusun President Director, its primary responsibility is to prepare
dan memperbarui kebijakan manajemen risiko serta and update risk management policies and coordinate
mengkoordinir penerapannya, memantau kecukupan their implementation, as well as to monitor the adequacy
permodalan Bank terhadap eksposur risiko sesuai dengan of the Bank’s capital against risk exposure in accordance
ketentuan yang berlaku, dan menilai keseluruhan komposisi with applicable regulations and to assess the overall risk
risiko dalam portofolio Bank. composition in the Bank’s portfolio.
486 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Direktur Enterprise Risk Management, Compliance & Human The Director of Enterprise Risk Management, Compliance,
Resource membawahi Divisi Enterprise Risk Management and Human Resources is in charge of the Enterprise Risk
yang merupakan satuan kerja yang independen terhadap Management Division, which is separate from the Bank’s
fungsi bisnis dan operasional Bank serta fungsi internal audit. commercial and operational responsibilities, as well as the
Divisi Enterprise Risk Management bertanggung jawab dalam internal audit function. The Enterprise Risk Management
melaksanakan pemantauan implementasi manajemen risiko Division is in charge of executing enterprise-wide risk
secara enterprise-wide, mengkaji secara berkala kecukupan management, monitoring policy adequacy and risk limits on
kebijakan dan penetapan limit risiko, melakukan pengkajian a regular basis, and analyzing proposed new bank products
atas usulan produk bank baru (PBB) sebelum diajukan ke (PBB) prior to submission to regulators.
regulator.
Satuan Kerja Manajemen risiko dalam rangka proses In the scope of the risk measuring and monitoring process,
pengukuran dan pemantauan risiko membuat laporan profil the Risk Management Work Unit generates a risk profile
risiko yang merupakan laporan penilaian terhadap eksposur report, which is an evaluation report on the risk exposure
risiko yang melekat pada aktivitas fungsional (inherent risk) inherent in functional activities (inherent risk) as well as
serta kecukupan sistem pengendalian risiko (risk control the adequacy of the risk management system. A monthly
system). Laporan profil risiko dibuat setiap bulan yang risk profile report is generated and delivered to the Board
kemudian dilaporkan kepada Direksi dan dibahas dalam of Directors, as well as addressed by the Risk Management
Komite Manajemen risiko. Committee.
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan Komisaris dilakukan antara lain melalui persetujuan dan evaluasi atas kebijakan manajemen risiko
yang disusun oleh Direksi. Secara berkala Dewan Komisaris melakukan evaluasi pelaksanaan kebijakan manajemen risiko
melalui forum rapat Direksi dan Komisaris maupun dalam rapat Komite pemantau risiko (KPR). Pengawasan aktif Direksi
Pengawasan aktif Dewan dilaksanakan antara lain dengan penyusunan, persetujuan, dan implementasi serta evaluasi atas kebijakan dan prosedur
Komisaris dan Direksi / manajemen risiko, baik yang dilakukan melalui forum rapat Direksi maupun rapat Komite Manajemen risiko. /
Active oversight by the Board The Board of Commissioners’ active oversight is carried out, among other things, by the adoption and review of risk
of Commissioners and Board management policies issued by the Board of Directors. Periodically, the Board of Commissioners assesses the execution of
of Directors risk management policies through the Board of Directors and Board of Commissioners meeting forums as well as in the Risk
Monitoring Committee (KPR) meetings. The active supervision of the Board of Directors is carried out, among other things,
by drafting, approving, implementing, and assessing risk management policies and procedures, both of which are carried out
through Board of Directors meeting forums and risk Management Committee meetings.
PILAR 2 / PILLAR 2
Perumusan Kecukupan Kebijakan, prosedur dan penetapan Limit dilakukan pengkinian sejalan dengan sasaran strategi dan
bisnis bank secara keseluruhan. Dalam implementasinya, Kebijakan-kebijakan ini direview secara berkala dengan persetujuan
sampai dengan tingkat Direksi melalui rapat komite ataupun melalui sirkulasi kepada Direksi sesuai dengan tingkat kewenangan.
Direksi Bank memiliki wewenang untuk menetapkan limit risiko, tingkat toleransi bagi setiap jenis risiko, dan eksposur risiko,
Kecukupan Kebijakan,
dengan memperhatikan pengalaman, kemampuan permodalan, kemampuan sistem dan perangkat manajemen risiko, sumber
prosedur, dan penetapan
daya yang dimiliki, serta ketentuan yang berlaku. /
Limit /
Adequacy policies, processes, and limit setting are revised in accordance with the bank’s overall strategic and commercial
Adequacy of policies,
objectives. These policies are reviewed on a regular basis with approval up to the level of the Board of Directors, either through
procedures and setting limits
committee meetings or by distribution to the Board of Directors, depending on the degree of power. The Bank’s Board of
Directors has the right to determine risk limits, tolerance thresholds for each category of risk, and risk exposure, taking into
consideration experience, capital capability, risk management system and device capabilities, resources possessed, and
relevant rules.
PILAR 3 / PILLAR 3
Proses penerapan manajemen risiko yang meliputi identifikasi, pengukuran, pemantauan dan pengendalian risiko dilakukan
Proses Manajemen risiko dan
secara berkesinambungan oleh three line of Defense, yaitu seluruh risk taking unit selaku first line, unit kerja kepatuhan dan
Sistem Informasi Manajemen
manajemen risiko selaku second line dan unit internal audit selaku third line. /
risiko / Risk Management
The three lines of defense—all risk-taking units as the first line, compliance and risk management work units as the second line,
Process and Risk Management
and the internal audit unit as the third line—constantly carry out the process of implementing risk management, which includes
Information System
identifying, measuring, monitoring, and controlling risk.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 487
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PILAR 4 / PILLAR 4
Sistem pengendalian intern Manajemen risiko menjadi tanggung jawab bersama seluruh manajemen dan karyawan Bank
Raya. Kesadaran akan risiko (risk awareness) terus ditanamkan di setiap jenjang organisasi dan merupakan bagian yang tidak
terpisahkan dari budaya Bank. Penerapan konsep three lines of Defences dalam pengelolaan risiko, di mana pengelolaan risiko
dilakukan oleh semua lini organisasi, dan dilakukan pengawasan (oversight) oleh Dewan Komisaris dan Direksi. Penerapan
konsep three lines of Defences dijabarkan sebagai berikut: /
Internal control system Risk management is the shared responsibility of all Bank Raya management and employees. Awareness
of risk (risk awareness) continues to be instilled at every level of the organization and is an integral part of the culture of the
Bank. Implementation of the concept of three lines of Defence in risk management, where risk management is carried out by
all organizational lines, and oversight is carried out by the Board of Commissioners and Directors. The application of the three
lines of Defence concept is described as follows:
1. First Line of Defence
Semua unit kerja termasuk seluruh staf di dalamnya harus memastikan secara langsung bahwa manajemen risiko telah
dilaksanakan dengan efektif atas seluruh risiko melekat, dalam lingkup dan tanggung jawab kerjanya masing-masing,
termasuk dalam pengambilan keputusan risiko, dengan menerapkan four eyes principle/dual control mechanism di mana
terdapat peranan maker dan checker di dalamnya. /
Sistem Pengendalian Intern All work units including all staff within them must ensure directly that risk management has been carried out effectively for all
Manajemen risiko / inherent risks, within their respective work scopes and responsibilities, including in risk decision making, by implementing
Risk management internal the four eyes principle/dual control mechanism whereby There are maker and checker roles in it.
control system 2. Second Line of Defence
Terdiri dari Direktur bidang yang bertanggung jawab terhadap setiap jenis risiko pada masing-masing unit kerja di bawahnya,
dengan memberikan delegasi kewenangan serta dukungan atas keputusan risiko yang diambil oleh First Line of Defence.
Satuan Kerja Kepatuhan dan Satuan Kerja Manajemen risiko mendukung terciptanya budaya kepatuhan dan kesadaran risiko
pada First Line of Defence dan Second Line of Defence melalui pemberian opini/kaji ulang secara independen terkait regulasi
maupun strategi pengelolaan risiko. /
Consists of directors who are responsible for each type of risk in each work unit under them, by providing delegation of
authority and support for risk decisions taken by the First Line of Defence. The Compliance Work Unit and Risk Management
Work Unit support the creation of a culture of compliance and risk awareness in the First Line of Defence and the Second
Line of Defence through the provision of independent opinions/reviews regarding regulations and risk management
strategies.
3. Third Line of Defence
SKAI maupun eksternal auditor menjalankan fungsi assurance dalam menilai efektivitas dari penerapan manajemen risiko
baik pada First Line of Defence maupun Second Line of Defence. /
SKAI and external auditors carry out the assurance function in assessing the effectiveness of the implementation of risk
management in both the First Line of Defence and the Second Line of Defence.
488 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
berkesinambungan oleh three line of defense, yaitu seluruh all risk-taking units as the first line, the Compliance Work
risk taking unit selaku first line, Satuan Kerja Kepatuhan Unit, and the Risk Management Work Unit as the second line,
dan Satuan Kerja Manajemen Risiko selaku second line dan and the Internal Audit Work Unit as the third line.
Satuan Kerja Internal Audit selaku third line.
TUGAS DAN TANGGUNG JAWAB FUNGSI MANAJEMEN DUTIES AND RESPONSIBILITIES OF RISK MANAGEMENT
RISIKO FUNCTION
Fungsi Manajemen Risiko Bank Raya memiliki fungsi dan Duties and responsibilities of Bank Raya’s Risk Management
tanggung jawab sebagai berikut: Function are as follows:
1. Penyusunan metodologi manajemen risiko kredit, 1. Preparation of credit risk management methodologies,
manajemen risiko operasional, manajemen risiko pasar, operational risk management, market risk management,
manajemen risiko likuiditas dan risiko lainnya; liquidity risk management and other risks.
2. Penyusunan dan analisa profil risiko, tingkat kesehatan 2. Compilation and analysis of risk profiles, bank soundness
bank, kecukupan modal, credit risk rating & scoring; level, capital adequacy, credit risk rating & scoring.
3. Penyusunan Risk Appetite Statement (RAS); 3. Compilation of Risk Appetite Statement (RAS).
4. Penyusunan Contingency Funding Plan (rencana 4. Preparation of Contingency Funding Plan (emergency
pendanaan darurat); funding plan).
5. Penyusunan dan analisa loan portfolio guideline (LPG), 5. Preparation and analysis of loan portfolio guidelines
sustainability finance, risk based pricing, dan stress (LPG), sustainability finance, risk-based pricing, and
testing. stress testing
6. Menyusun, menyempurnakan dan melaksanakan 6. Develop, refine and implement policies/ regulations/
kebijakan/ketentuan/prosedur dan metodologi procedures and risk management process methodologies
proses manajemen risiko (identifikasi, pengukuran, (identification, measurement, monitoring and control
pemantauan dan pengendalian termasuk validasi including data validation, risk management strategies,
data, strategi manajemen risiko, profil risiko, stress risk profiles, stress testing, and risk monitoring (credit
testing, dan memantau risiko (risiko kredit, risiko pasar, risk, market risk, liquidity, operational risk and other
risiko likuiditas, risiko operasional dan risiko lainnya) risks) Business Continuity Management (MKU)/ Business
Manajemen Kelangsungan Usaha (MKU)/ Business Continuity Management (BCM).
Continuity Management (BCM);
7. Menilai kecukupan pengelolaan risiko atas produk dan/ 7. Assess the adequacy of risk management for new
atau aktiva baru yang diusulkan unit kerja; products and/or assets proposed by the work unit.
8. Penyelenggaraan Risk Management Committee (RMC). 8. Organize the Risk Management Committee (RMC)
Beberapa hal yang dilakukan oleh manajemen risiko, di Measures carried out by risk management, include:
antaranya:
1. Bank’s Competitive Advantage and Strategic Enabler 1. Bank’s Competitive Advantage and Strategic Enabler
Manajemen risiko tidak hanya hadir untuk memenuhi Risk management is not only present to fulfill regulatory
kewajiban regulator, namun juga sebagai penggerak yang compliance, but also as a driver that supports the needs
mendukung kebutuhan divisi lain dalam menciptakan of other divisions in creating strategies and competitive
strategi dan keunggulan kompetitif. advantages.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 489
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Pro-Active 2. Pro-Active
Manajemen risiko berperan aktif dalam mengambil Risk management plays an active role in taking strategic
langkah-langkah strategis dalam mencapai tujuan bisnis measures to achieve the Bank’s business objectives while
Bank dengan tetap berlandaskan pemenuhan ketentuan maintaining compliance with prudential regulations and
kehati-hatian dan penerapan prinsip manajemen risiko. implementing risk management principles.
3. Holistic Approach 3. Holistic Approach
Manajemen risiko melakukan pendekatan yang Risk management takes a comprehensive approach to
menyeluruh kepada semua divisi untuk terlibat dalam all divisions to be involved in achieving the Bank’s goals
mencapai tujuan Bank secara bersama - sama. together.
4. Positive Risk Management Strategy 4. Positive Risk Management Strategy
Manajemen risiko hadir sebagai garda yang mengelola Risk management exists as a guard that manages risk so
risiko agar tujuan Bank dapat tercapai sejalan dengan that the Bank’s objectives can be achieved in line with the
penerapan prinsip manajemen risiko. application of risk management principles.
Bank Raya memiliki kecukupan modal terhadap potensi Based both on internal requirements (regulatory capital) and
kerugian risiko kredit, risiko pasar dan risiko operasional, relevant laws and regulations, Bank Raya has enough capital
baik berdasarkan ketentuan dan peraturan yang berlaku to protect itself against potential losses from credit risk,
(regulatory capital) maupun kebutuhan internal (economic market risk, and operational risk (economic capital). Internal
capital). Penilaian kecukupan permodalan bank melalui Capital Adequacy Assessment Process, which is based on
Internal Capital Adequacy Assessment Process yang the Bank’s Risk profile, is used to evaluate the sufficiency of
didasarkan pada profil Risiko Bank. bank capital.
Perhitungan rasio kewajiban modal minimum telah sesuai The calculation of the minimum capital obligation ratio is
dengan Peraturan OJK No. 11/POJK.03/2016 tentang in accordance with FSA Regulation No. 11/POJK.03/2016
Kewajiban penyediaan Modal Minimum Bank Umum yang concerning the Minimum Capital Adequacy Requirement for
berlaku sejak 02 Februari 2016 dan sebagaimana telah Commercial Banks which took effect on February 2, 2016
diubah dengan Peraturan OJK No. 34/POJK.03/2016 tentang and as amended by OJK Regulation No. 34/POJK.03/2016
perubahan atas Peraturan OJK No. 11/POJK.03/2016. concerning amendments to FSA Regulation No. 11/
POJK.03/2016.
PENGELOLAAN DAN PENGUNGKAPAN EKSPOSUR RISIKO MANAGEMENT AND DISCLOSURE OF RISK EXPOSURES
Risiko Kredit Credit Risk
Risiko akibat kegagalan debitur dan/atau pihak lain Risk resulting from failure of debtors and/or other parties
(counterparty) dalam memenuhi kewajiban kepada Bank. (counterparties) in fulfilling obligations to the Bank. Credit
Risiko Kredit dapat bersumber dari berbagai aktivitas bisnis risk can originate from various bank business activities.
bank.
490 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan a) Proses putusan kredit di atas nominal tertentu wajib melalui Komite Kredit Direksi dan konsultasi kepada Dewan
Komisaris dan Direksi / Komisaris; /
Active oversight by the Board The process of credit decisions above a certain nominal must go through the Credit Committee of the Board of Directors
of Commissioners and Board of and consultation with the Board of Commissioners;
Directors b) Pemantauan tindak lanjut oleh Dewan Komisaris dan Direksi apabila terdapat pelampauan limit risiko; /
Follow-up monitoring by the Board of Commissioners and Board of Directors if there is an excess of the risk limit;
c) Pelaksanaan forum RMC triwulanan yang membahas mengenai isu strategis terkait dengan pengelolaan risiko
perusahaan, khususnya risiko kredit; /
Implementation of quarterly RMC forums that discuss strategic issues related to corporate risk management, particularly
credit risk;
d) Pelaporan profil risiko triwulanan dari Unit Kerja Manajemen Risiko kepada Direksi. /
Quarterly risk profile reporting from the Risk Management Work Unit to the Board of Directors.
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, a) Tersedianya ketentuan Loan Portfolio Guideline (LPG) dan ketentuan PDWK berjenjang; /
dan penetapan Limit / Availability of Loan Portfolio Guideline (LPG) provisions and tiered PDWK provisions;
Adequacy of policies, procedures b) Parameter dan limit risiko kredit telah ditetapkan dan di-review secara berkala setiap tahun; /
and setting limits Credit risk parameters and limits have been determined and reviewed periodically every year;
c) Pengkinian limit risiko dan kebijakan kredit digital, antara lain pengkinian kebijakan kredit berbasis aplikasi, kebijakan
kredit Pinang Maksima, Pinang Performa, PPK Fintech, dan Pinang Flexi. /
Updating risk limits and digital credit policies, including updating application-based credit policies, credit policies for
Pinang Maksima, Pinang Performa, PPK Fintech, and Pinang Flexi.
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan a) Identifikasi risiko kredit dilakukan menggunakan sistem Credit Risk Rating (CRR) dan Credit Risk Scoring (CRS).
Sistem Informasi Manajemen Pemeringkatan internal (Credit Risk Rating/Credit Risk Scoring) yang digunakan di BRI saat ini disusun berdasarkan
risiko / data empiris/historis dari debitur existing BRI dengan menggunakan metodologi statistik. Atas pemeringkatan internal
Risk Management Process and ini dilakukan kaji ulang secara berkala terhadap akurasi model dan asumsi yang digunakan untuk memproyeksikan
Risk Management Information kegagalan, dan dilakukan penyesuaian asumsi jika terjadi perubahan ketentuan baik eksternal (regulator) maupun
System internal. /
Identification of credit risk is carried out using the Credit Risk Rating (CRR) and Credit Risk Scoring (CRS) systems. The
internal rating (Credit risk rating/Credit risk Scoring) used at BRI is currently compiled based on empirical/historical
data from existing BRI debtors using a statistical methodology. For this internal rating, periodic reviews are carried out
on the accuracy of the models and assumptions used to project failures, and adjustments to assumptions are made if
there is a change in the provisions, both external (regulator) and internal.
b) Pengukuran risiko kredit dilakukan dengan internal model menggunakan metode standard yaitu dengan menghitung
probability of default dan loss given default untuk masing-masing segmen bisnis berdasarkan pergeseran kolektibilitas
kreditnya. Selain itu, serangkaian Stress test juga dilakukan untuk mengukur potensi kerugian maksimal apabila terjadi
kondisi stress. Stress test tersebut dilakukan berdasarkan beberapa hipotesis dan asumsi antara lain: pertumbuhan
ekonomi, inflasi, harga minyak dunia serta perubahan kurs rupiah. Hal lainnya yang dilakukan adalah dengan guidance
melalui Loan Portfolio Guideline (LPG), sehingga dengan adanya LPG ini akan membuat pemberian kredit menjadi lebih
terarah sesuai potensi masing-masing unit kerja. /
Measurement of credit risk is carried out using the internal model using the standard method, namely by calculating the
probability of default and loss given default for each business segment based on shifts in credit collectability. In addition,
a series of stress tests were also carried out to measure the maximum potential loss in the event of a stress condition.
The stress tests were carried out based on several hypotheses and assumptions including: economic growth, inflation,
world oil prices and changes in the rupiah exchange rate. Another thing that is being done is with guidance through the
Loan Portfolio Guideline (LPG), so that with this LPG it will make the provision of credit more focused according to the
potential of each work unit.
c) Pemantauan risiko kredit dilakukan melalui proses monitoring portofolio kredit yang merupakan tanggung jawab
unit kerja monitoring risiko kredit di kantor pusat. Monitoring portofolio dilakukan berdasarkan kualitas kredit, sektor
ekonomi, penggunaan kredit, geografi unit kerja pemrakarsa, dan sebagainya. Pemantauan juga dilakukan untuk limit
risiko kredit antara lain: NPL, CL, komposisi Loan at risk (LAR), Credit Cost, NPL Coverage ratio. /
Credit risk monitoring is carried out through a credit portfolio monitoring process which is the responsibility of the
credit risk monitoring work unit at the head office. Portfolio monitoring is carried out based on credit quality, economic
sector, use of credit, geography of the initiating work unit, and so on. Monitoring is also carried out for credit risk limits,
including: NPL, CL, composition of loans at risk (LAR), credit costs, NPL coverage ratio.
d) Pengendalian risiko kredit dilakukan melalui: / Credit risk control is carried out through:
• Putusan kredit mempertimbangkan aspek analisa agunan, di mana harus mematuhi ketentuan minimum loan-to-
value atau minimum coverage terhadap pinjaman; /
The credit decision takes into account the aspect of collateral analysis, which must comply with the minimum loan-
to-value or minimum loan coverage requirements;
• Prosedur perbaikan kualitas kredit melalui restrukturisasi; /
Credit quality improvement procedures through restructuring;
• Prosedur meminimalkan kerugian risiko kredit melalui penyelesaian kredit dan optimalisasi penagihan; /
Procedures for minimizing credit risk losses through credit settlement and optimizing billing;
• Prosedur penghapusbukuan kredit bermasalah. /
Write-off procedure for problem loans.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 491
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PILAR 4 / PILLAR 4
Sistem pengendalian Intern a) Four eyes principles: pemisahan fungsi pemrakarsa kredit dengan pemutus; /
Manajemen risiko / Four eyes principles: separation of credit initiator and breaker functions;
Risk management internal control b) Pemisahan unit kerja pemrakarsa kredit (bisnis) dengan unit kerja analisis risiko kredit untuk segmen Korporasi; /
system Separation of the credit initiating work unit (business) from the credit risk analysis work unit for the Corporate segment;
c) Penggunaan aplikasi Loan Approval System (LAS) yang meliputi identifikasi risiko kredit melalui perhitungan Credit
Scoring dan putusan kredit yang telah sesuai dengan ketentuan PDWK berjenjang; /
Use of the Loan Approval System (LAS) application which includes identification of credit risk through Credit Scoring
calculations and credit decisions that are in accordance with the provisions of tiered PDWK;
d) Integrasi antara pelampauan limit risiko kredit dengan penilaian kinerja unit kerja bisnis dan individual. /
Integration between exceeding credit risk limits and assessing the performance of business units and individuals.
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan a) Pemantauan tindak lanjut oleh Dewan Komisaris dan Direksi apabila terdapat pelampauan limit risiko; /
Komisaris dan Direksi / Follow-up monitoring by the Board of Commissioners and Board of Directors if there is an excess of the risk limit;
Active oversight by the Board b) Rapat Komite pengawas Manajemen risiko yang dilaksanakan setiap triwulan; /
of Commissioners and Board of Meetings of the Risk Management Oversight Committee are held quarterly;
Directors c) Pelaksanaan forum RMC triwulanan yang membahas mengenai isu strategis terkait dengan pengelolaan risiko pasar; /
Implementation of quarterly RMC forums that discuss strategic issues related to market risk management;
d) Forum ALCO sebagai bentuk pengawasan aktif yang dilaksanakan setiap bulan; /
The ALCO forum as a form of active monitoring is carried out every month;
e) Pelaporan profil risiko pasar dari Unit Kerja Manajemen Risiko kepada Direksi. /
Reporting of market risk profile from the risk Management Work Unit to the Board of Directors.
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, a) Kebijakan, prosedur, dan limit risiko pasar yang tertuang dalam limit profil risiko pasar dan limit aktivitas treasury (Limit
dan penetapan Limit / Dealer); /
Adequacy of policies, procedures Policies, procedures and market risk limits contained in the market risk profile limits and treasury activity limits (Dealer
and setting limits Limits);
b) Kebijakan terkait aktivitas bisnis treasury lainnya melalui pedoman pelaksanaan aktivitas treasury. /
Policies related to other treasury business activities through guidelines for implementing treasury activities.
PILAR 3 / PILLAR 3
492 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
4. Faktor risiko yang diperhitungkan dalam risiko suku bunga dalam perhitungan Interest Rate Risk In The Banking Book
(IRRBB) yaitu: /
The risk factors that are taken into account in the interest rate risk in the Interest rate risk in the Banking Book
(IRRBB) calculation are as follows:
- Repricing risk, yaitu risiko kerugian yang disebabkan adanya perbedaan waktu antara repricing aset dan repricing
liabilitas apabila terjadi perubahan suku bunga; /
Repricing risk, namely the risk of loss due to the time difference between repricing assets and repricing liabilities
if there is a change in interest rates;
- Basis risk, adalah risiko kerugian karena penggunaan indeks suku bunga yang berbeda antara aktiva dan pasiva;
/ Basis risk, is the risk of loss due to the use of a different interest rate index between assets and liabilities;
- Posisi yang dimiliki untuk tujuan memperoleh keuntungan jangka pendek dari pergerakan harga (price movement)
secara aktual dan atau potensial; /
Positions held for the purpose of obtaining short-term profits from actual and/ or potential price movements;
- Seluruh efek utang dengan suku bunga tetap atau mengambang, dan seluruh instrumen keuangan yang memiliki
karakteristik yang sejenis, termasuk sertifikat deposito yang dapat diperdagangkan negotiable certificates of
deposits dan surat-surat berharga yang dijual oleh Bank Raya dengan syarat dibeli kembali (Repo/Securities
Lending); /
All debt securities with fixed or floating interest rates, and all financial instruments with similar characteristics,
including tradable certificates of deposit (negotiable Certificates of Deposits) and securities sold by BRI on
repurchase conditions (Repo/Securities Lending);
- Posisi valuta asing Bank Raya dalam trading book dan banking book yang terekspos risiko nilai tukar. /
Bank Raya’s foreign exchange position in the trading book and banking book exposed to exchange rate risk.
b) Pengukuran / Measurement
1. Pengukuran risiko pasar dilakukan secara Berkala, melakukan simulasi Economic Value of Equity (EVE) dan Net
Interest Income (NII) secara berkala atau setiap terjadi perubahan suku bunga pasar dan menata profil maturity surat
berharga; /
Measurement of market risk is carried out periodically, carrying out periodic economic value of equity (EVE) and net
interest income (NII) simulations or whenever there is a change in market interest rates and setting up the maturity
profile of securities;
2. Valuasi portofolio trading book dan banking book dilakukan dengan menggunakan kuotasi harga pasar dari instrumen
yang diperdagangkan secara aktif (mark to market). Harga pasar tersebut mencerminkan transaksi aktual dan rutin
yang dilakukan secara wajar. Hasil valuasi berdasarkan nilai pasar (mark to market) divalidasi secara periodik untuk
memastikan konsistensi dan kewajaran harga pasar yang digunakan. Apabila harga pasar tidak tersedia karena
instrumen tidak aktif diperdagangkan maka valuasi penetapan nilai wajar menggunakan pendekatan simulasi harga
(mark-to-model); /
Valuation of trading book and banking book portfolios is carried out using quoted market prices of instruments that
are actively traded (mark to market). The market price reflects actual and routine transactions which are carried out
fairly. Valuation results based on market value (mark to market) are validated periodically to ensure consistency and
fairness of the market prices used. If the market price is not available because the instrument is not actively traded,
the valuation of the determination of fair value uses a price simulation approach (mark-to-model);
3. Melakukan stress testing risiko pasar secara berkala atau sesuai dengan keadaan pasar. /
Conduct market risk stress testing periodically or according to market conditions
c) Pemantauan dan Pengendalian Dalam melakukan proses manajemen risiko pasar, Direksi secara rutin melakukan
evaluasi risiko pasar melalui laporan harian posisi Devisa netto, forum asset & Liability Committee (ALCO), risk
Management Committee (RMC) serta laporan eksposur risiko pasar melalui dashboard profil risiko pasar. /
Monitoring and Control In carrying out the market risk management process, the Board of Directors routinely evaluates
market risk through daily net Open Position reports, Asset & Liability Committee (ALCO) forums, Risk Management
Committee (RMC) and market risk exposure reports through the risk profile dashboard. market.
PILAR 4 / PILLAR 4
Sistem pengendalian Intern a) Pemisahan fungsi front, middle and back office. Fungsi manajemen risiko pasar terdiri dari unit kerja front office (desk
Manajemen risiko / treasury), middle office (desk ERM), dan back office (divisi operasional) dengan masing-masing memiliki kewenangan
Risk management internal control sebagai berikut: /
system Separation of front, middle and back office functions. The market risk management function consists of front office
(treasury desk), middle office (desk ERM), and back office (operational division) work units, each with the following
authorities:
1. Jajaran front office berwenang melakukan transaksi instrumen keuangan dan bertanggung jawab memantau
pergerakan harga pasar; /
The front office is authorized to conduct financial instrument transactions and is responsible for monitoring market
price movements;
2. Jajaran middle office menetapkan dan memantau limit risiko pasar dan secara berkala memastikan data pasar
(market price) yang digunakan untuk mark-to market (MTM); /
The middle office sets and monitors market risk limits and periodically ensures market data (market prices) used for
mark-to market (MTM);
3. Jajaran back office melakukan settlement transaksi treasury dan secara harian menetapkan harga pasar (MTM)
pada akhir hari. Pelaksanaan delegasi kewenangan diwujudkan melalui penetapan limit transaksi secara berjenjang
sesuai dengan kompetensi dan pengalaman. /
The back office performs settlement of treasury transactions and daily determines the market price (mtm) at the
end of the day. The implementation of the delegation of authority is realized through setting transaction limits in
stages according to competence and experience.
b) Bank Raya telah mengimplementasikan sistem aplikasi treasury (OSTS) yang merupakan suatu sistem yang terintegrasi
yang digunakan oleh fungsi front office, middle office dan back office. Melalui aplikasi ini Bank Raya dapat melakukan
pengukuran risiko pasar yang terintegrasi dengan proses transaksi harian. Selain melakukan monitoring eksposur
risiko instrumen, BRI juga melakukan monitoring limit risiko pasar dan limit transaksi antara lain limit nominal transaksi
dealer, limit open position, limit Uncommitted Credit Line (UCL), cut loss limit, stop loss limit dan limit lainnya. Monitoring
dilakukan secara harian sehingga mempercepat penyediaan informasi terkini yang mendukung pengambilan keputusan
oleh pejabat lini dan manajemen secara tepat waktu, terutama untuk instrumen yang termasuk ke dalam klasifikasi
diperdagangkan/trading. /
Bank Raya has implemented a treasury application system (OSTS) which is an integrated system used by front office,
middle office and back-office functions. Through this application, Bank Raya can measure market risk which is
integrated with the daily transaction process. In addition to monitoring instrument risk exposure, BRI also monitors
market risk limits and transaction limits, including dealer transaction nominal limits, open position limits, uncommitted
credit line (UCL) limits, cut loss limits, stop loss limits and other limits. Monitoring is carried out on a daily basis so as to
speed up the provision of up-to-date information that supports decision-making by line officials and management in a
timely manner, especially for instruments that are classified as traded/trading;
c) Integrasi antara pelampauan limit risiko pasar dengan penilaian kinerja unit kerja bisnis. /
Integration between exceeding market risk limits and assessing the performance of business units.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 493
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan a) Pelaksanaan rapat Asset & Liability Committee (ALCO) setiap bulan; /
Komisaris dan Direksi / Implementation of Asset & Liability Committee (ALCO) meetings every month;
Active oversight by the Board b) Pelaksanaan forum Risk Management Committee (RMC) yang membahas mengenai isu strategis terkait dengan
of Commissioners and Board of pengelolaan risiko likuiditas Bank. /
Directors Implementation of the Risk Management Committee (RMC) forum which discusses strategic issues related to the
management of the Bank’s liquidity risk.
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, a) Tersedianya kebijakan pedoman pelaksanaan penerapan Manajemen risiko Likuiditas; /
dan penetapan Limit / Availability of a guideline policy for the implementation of Liquidity Risk Management;
Adequacy of policies, procedures b) Tersedianya Kebijakan pengelolaan likuiditas yaitu pedoman pelaksanaan aktivitas treasury; /
and setting limits Availability of liquidity management policies, namely guidelines for implementing treasury activities;
c) Penetapan parameter Limit profil risiko Likuiditas. / Determination of Liquidity risk profile Limit parameters
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan a) Identifikasi, pengukuran dan pemantauan risiko melalui profil likuiditas bulanan; /
Sistem Informasi Manajemen Identification, measurement and monitoring of risks through monthly liquidity profiles;
risiko / b) Pengukuran risiko likuiditas secara harian dengan menggunakan rasio-rasio likuiditas; /
Risk Management Process and Measurement of liquidity risk on a daily basis using liquidity ratios;
Risk Management Information c) Pengendalian risiko melalui protokol liquidity contingency plan dan pelaksanaan uji coba secara berkala; /
System Risk control through the liquidity contingency plan protocol and the implementation of periodic trials;
d) Melakukan stress testing risiko likuiditas. /
Perform liquidity risk stress testing.
PILAR 4 / PILLAR 4
Sistem pengendalian Intern a) Evaluasi dan analisis Strategi pendanaan yang dilakukan melalui Forum ALCO dan kajian kajian risiko likuiditas; /
Manajemen risiko / Evaluation and analysis of the funding strategy carried out through the ALCO Forum and review of liquidity risk studies;
Risk management internal control b) Penetapan kewenangan pejabat dalam melakukan aktivitas pengelolaan likuiditas. /
system Determination of authority of officials in carrying out liquidity management activities.
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan Pengawasan aktif Dewan Komisaris dan Direksi dilakukan melalui pelaksanaan forum Risk Management Committee (RMC)
Komisaris dan Direksi / triwulanan yang membahas mengenai isu strategis terkait dengan pengelolaan risiko perusahaan, dalam rangka membahas
Active oversight by the Board potensi kejadian risiko, efektivitas kontrol, tindak lanjut, dan mitigasi risiko. Selain itu, Dewan Komisaris dan Direksi juga
of Commissioners and Board of melakukan pemantauan atas tindak lanjut apabila terjadi pelampauan limit risiko. /
Directors Active supervision of the Board of Commissioners and Board of Directors is carried out through the implementation of a
quarterly risk Management Committee (RMC) forum which discusses strategic issues related to corporate risk management,
in order to discuss potential risk events, control effectiveness, follow-up, and risk mitigation. In addition, the Board of
Commissioners and the Board of Directors also monitor follow-ups in the event of an exceedance of risk limits;
494 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, Kelancaran aktivitas operasional dan bisnis Bank didukung oleh kebijakan dan prosedur yang jelas untuk setiap produk dan
dan penetapan Limit / aktivitas Bank, termasuk penetapan Limit approval untuk transaksi yang diberikan berjenjang dan lain-lain seperti sebagai
Adequacy of policies, procedures berikut: /
and setting limits The smooth operation of the Bank’s operational and business activities is supported by clear policies and procedures for
each product and activity of the Bank, including setting approval limits for transactions that are given in stages and others
as follows:
- Tersedianya kebijakan tentang pedoman pelaksanaan kegiatan harian Bank (Existing Bank & Community Branch); /
Availability of policies regarding guidelines for the implementation of the Bank’s daily activities (Existing Bank &
Community Branch);
- Tersedianya kebijakan tentang yang mengatur tentang transaksi berjenjang yaitu kewenangan fiat; /
Availability of policies governing tiered transactions, namely fiat authority;
- Tersedianya kebijakan yang mengatur tentang pelaksanaan pemulihan bank saat kejadian kritis yaitu kebijakan Business
Continuity Management (BCM). /
Availability of policies governing the implementation of bank recovery during critical incidents, namely Business
Continuity Management (BCM) policies.
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan Proses penerapan Manajemen risiko operasional dilakukan melalui tahapan identifikasi, pengukuran, pemantauan, dan
Sistem Informasi Manajemen pengendalian risiko, sebagai berikut: /
risiko / The process of implementing operational risk management is carried out through the stages of risk identification,
Risk Management Process and measurement, monitoring and control, as follows:
Risk Management Information a) Identifikasi risiko operasional dilakukan melalui penetapan risk issue di setiap aktivitas fungsional Bank yang dilakukan
System masing-masing Unit Kerja selaku risk owner; /
Identification of operational risk is carried out by determining risk issues in each functional activity of the Bank which is
carried out by each Work Unit as the risk owner;
b) Pengukuran risiko operasional dilakukan di setiap Unit Kerja melalui metode risk Control Self assessment (RCSA); /
Measurement of operational risk is carried out in each work unit through the risk control self-assessment (RCSA)
method;
c) Pengendalian risiko dilakukan antara lain melalui: / Risk control is carried out, among others, through:
- Penetapan dan monitoring rencana tindak Lanjut atas setiap kejadian risiko operasional hasil pengukuran RCSA; /
Determination and monitoring of follow-up plans for each operational risk incident as a result of RCSA measurements;
- Risk Control Self assessment (RCSA) atas setiap produk dan aktivitas baru yang dilakukan oleh product owner dan
penilaian kecukupan pengelolaan risiko untuk setiap produk dan aktivitas baru yang dilakukan oleh Satuan Kerja
Manajemen risiko; /
Risk Control Self-assessment (RCSA) for each new product and activity carried out by the product owner and
an assessment of the adequacy of risk management for each new product and activity carried out by the Risk
Management Work Unit;
- Protokol Business Continuity Management untuk kejadian yang bersifat katastropik. Tim Manajemen Krisis (TMK)
berperan dan bertanggung jawab dalam menetapkan langkah-langkah yang akan diambil dalam kondisi bencana.
Struktur TMK dibentuk di seluruh Unit Kerja BRI yang meliputi Kantor pusat, dan TMK Kantor Cabang; /
Business Continuity Management protocol for catastrophic events. The Crisis Management Team (TMK) has a role
and responsibility in determining the steps to be taken in a disaster situation. The TMK structure is formed in all BRI
Work Units which includes tmk Head Office, and tmk Branch Offices;
- Manajemen Insiden (MI)/ Loss event Database (LED) Merupakan database insiden/ kerugian risiko operasional yang
bertujuan untuk mengelola risiko operasional yang dihadapi beserta pengelolaannya melalui dokumentasi dan
pemantauan progres pelaksanaan rencana perbaikan yang dilakukan. Sistem Informasi ini juga merupakan sumber
data dalam menyimulasikan beban modal untuk risiko operasional. /
Incident Management (MI)/ Loss event Database (LED) Is a database of operational risk incidents/losses that aims to
manage the operational risks faced and their management through documentation and monitoring of the progress
of the implementation of the improvement plans undertaken. This Information System is also a source of data in
simulating capital charges for operational risk.
PILAR 4 / PILLAR 4
Sistem pengendalian Intern a) Pemisahan fungsi Maker-Checker-Signer dalam aktivitas operasional perbankan, di mana approval sebagian besar
Manajemen risiko / proses operasional telah embedded dalam sistem Core Banking; /
Risk Management Internal Control Separation of Maker-Checker-Signer functions in banking operational activities, where the approval of most operational
System processes has been embedded in the Core Banking system;
b) Pelaporan profil risiko operasional Bank kepada Dewan Komisaris dan Direksi secara rutin; /
Reporting of the Bank’s operational risk profile to the Board of Commissioners and Directors on a regular basis;
c) Kaji ulang terhadap penerapan Manajemen risiko operasional secara rutin. /
Review the implementation of operational risk management on a regular basis.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 495
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PILAR 1 / PILLAR 1
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, Kebijakan dan prosedur manajemen risiko Kepatuhan, antara lain: /
dan penetapan Limit / Compliance risk management policies and procedures, among others:
Adequacy of policies, procedures a) Pelaksanaan Fungsi Kepatuhan terhadap rencana Kebijakan dan/atau Keputusan BRI oleh Direktur Kepatuhan dan
and setting limits Jajaran Satuan Kerja Kepatuhan PT Bank rakyat Indonesia Agroniaga, Tbk; /
Implementation of the Compliance Function against BRI Policy plans and/or Decisions by the Director of Compliance and
the Compliance Work Unit of PT Bank Rakyat Indonesia Agroniaga Tbk;
b) Penerapan Budaya Kepatuhan di Unit Kerja; / Implementation of Compliance Culture in Work Units;
c) Kebijakan dan prosedur penerapan anti pencucian Uang (APU) dan pencegahan pendanaan terorisme (PPT); /
Policies and procedures for the implementation of anti-money laundering (APU) and prevention of the financing of
terrorism (PPT);
d) Kebijakan tentang Benturan Kepentingan; / Policy on Conflict of Interest;
e) Kebijakan tentang Kode etik; / Policy on Code of Conduct;
f) Kebijakan tentang program pengendalian Gratifikasi; / Policy on Gratification control program;
g) Kebijakan tentang Whistleblowing System; / Policy on Whistleblowing System;
h) Bagian Kepatuhan sebagai koordinator risiko kepatuhan melakukan uji prinsip kehati-hatian terhadap seluruh kebijakan
internal Bank Raya yang ditetapkan oleh Direksi. /
The Compliance Section as the coordinator of compliance risk conducts a prudent principle test on all internal policies
of the Bank Raya stipulated by the Board of Directors.
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan a) Melakukan identifikasi risiko kepatuhan melalui laporan profil risiko; /
Sistem Informasi Manajemen Using risk profile reports to identify compliance risks;
risiko / b) Proses manajemen risiko kepatuhan didukung dengan sistem informasi yang memadai antara lain: /
Risk Management Process and An adequate information system supports the compliance risk management process, which includes:
Risk Management Information 1. Aplikasi AML (Anti Money Laundering) digunakan untuk monitoring suspicious transaction dalam melakukan proses
System pengujian dan monitoring progress pengujian; / The AML (Anti Money Laundering) programme is used to monitor
suspicious transactions during the testing process and to track the progress of the testing;
2. Pengelolaan risiko kepatuhan menjadi bagian dari tugas dan tanggung jawab dari fungsi manajemen risiko yang
mengkoordinir pelaksanaan manajemen risiko untuk 8 jenis risiko termasuk risiko kepatuhan; /
Compliance risk management is part of the risk management function’s tasks and responsibilities, which coordinates
the execution of risk management for eight categories of risk, including compliance risk;
3. Sumber daya manusia yang ditunjuk untuk mengelola risiko kepatuhan memiliki kompetensi yang memadai dan
mendapatkan pendidikan yang sesuai dengan level jabatan. /
The human resources assigned to handle compliance risk are competent and get suitable education for the role
level.
PILAR 4 / PILLAR 4
Sistem pengendalian Intern Pelaksanaan kaji ulang independen (independent review) oleh Satuan Kerja audit Intern (SKAI) dilakukan secara berkala
Manajemen risiko / terhadap Kualitas penerapan Manajemen risiko Kepatuhan. Bagian Kepatuhan secara aktif mensosialisasikan dampak
Risk management internal control terhadap regulasi baru terhadap bisnis maupun operasional perusahaan. /
system The implementation of independent reviews (independent review) by the Internal Audit Work Unit (SKAI) is carried out
periodically on the Quality of Compliance Risk Management implementation. The Compliance Department actively
disseminates the impact of new regulations on the company’s business and operations.
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan Pengawasan aktif Dewan Komisaris dan Direksi dilakukan melalui pelaksanaan forum Risk Management Committee (RMC)
Komisaris dan Direksi / triwulanan yang dapat berupa pembahasan mengenai kasus hukum yang material serta pengelolaan risiko hukum dan tindak
Active oversight by the Board lanjutnya. Selain itu, pengawasan aktif Dewan Komisaris juga dilakukan melalui rapat KPMR. /
of Commissioners and Board of Active supervision of the Board of Commissioners and Board of Directors is carried out through the implementation of a
Directors quarterly risk Management Committee (RMC) forum which can be in the form of discussions regarding material legal cases
as well as legal risk management and its follow-up. In addition, active supervision of the Board of Commissioners is also
carried out through KPMR meetings.
496 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, a) Bagian Hukum telah menyusun pedoman Hukum yang disosialisasikan ke seluruh Unit Kerja; /
dan penetapan Limit / The Legal Department has prepared legal guidelines which are disseminated to all Work Units;
Adequacy of policies, procedures b) Parameter dan limit risiko hukum telah ditetapkan dan di-review secara berkala setiap tahun /
and setting limits Parameters and legal risk limits have been determined and reviewed periodically every year.
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan a) Setiap proses transaksi maupun produk dan aktivitas baru yang memiliki potensi risiko hukum ditelaah lebih dulu oleh
Sistem Informasi Manajemen Divisi Legal & Compliance melalui Bagian Hukum; /
risiko / Each transaction process as well as new products and activities that have potential legal risks are first reviewed by the
Risk Management Process and Legal & Compliance Division through the Legal Department;
Risk Management Information b) Monitoring risiko Hukum terhadap seluruh Unit Kerja operasional di Indonesia dilakukan oleh Legal officer Kantor pusat; /
System Legal risk monitoring of all operational Work Units in Indonesia is carried out by the Head Office Legal officer;
c) Legal officer di Kantor pusat akan melakukan pendampingan hukum sesuai dengan kewenangannya apabila terjadi kasus
hukum di Unit Kerja operasional. /
Legal officers at the Head Office will provide legal assistance in accordance with their authority in the event of a legal
case in an operational Work Unit.
PILAR 4 / PILLAR 4
Sistem pengendalian Intern Divisi Legal & Compliance melalui Bagian Hukum secara aktif mensosialisasikan modus operasi kejahatan berikut prosedur
Manajemen risiko / penanganannya secara hukum untuk meminimalkan risiko hukum di Unit Kerja operasional. Pengendalian risiko Hukum
Risk management internal control dilakukan melalui beberapa cara antara lain: /
system The Legal & Compliance Division through the Legal Department actively socializes the mode of operation of crime and
procedures for handling it legally to minimize legal risk in operational Work Units. Legal risk control is carried out in several
ways, including:
a) Divisi Legal & Compliance melalui Bagian Hukum sebagai koordinator risiko Hukum di Bank Raya melakukan kajian
terhadap perubahan peraturan perundang-undangan untuk memastikan bahwa ketentuan internal Bank Raya tidak
menyimpang dari ketentuan perundangan yang berlaku; /
The Legal & Compliance Division through the Legal Department as the legal risk coordinator at Bank Raya conducts
studies on changes in laws and regulations to ensure that Bank Raya’s internal regulations do not deviate from the
provisions of the applicable laws;
b) Divisi Legal & Compliance melalui Bagian Hukum melalui memberikan advis/ opini hukum atas perjanjian kerja sama
(PKS)/ agreement antara Bank Raya dengan pihak lain, untuk melindungi kepentingan hukum BRI sebelum perjanjian/
agreement ditandatangani oleh pejabat Bank Raya yang berwenang; /
Legal & Compliance Division through the Legal Department by providing legal advice/opinion on the cooperation
agreement (PKS)/agreement between Bank Raya and other parties, to protect BRI’s legal interests before the agreement/
agreement is signed by an authorized Bank Raya official;
c) Setiap transaksi perbankan di Bank Raya yang meliputi operasional, perkreditan dan hubungan ketenagakerjaan telah
dilakukan sesuai dengan ketentuan perundang-undangan yang berlaku dan didukung oleh dokumen hukum yang
memadai; /
Every banking transaction at Bank Raya which includes operations, loan and employment relations has been carried out
in accordance with applicable laws and regulations and supported by adequate legal documents;
d) Divisi Legal & Compliance melalui Bagian Hukum bekerja sama dengan legal officer di Unit Kerja memantau risiko hukum
dengan mekanisme pelaporan dan dokumentasi kasus-kasus hukum serta mensosialisasikan modus operasi kejahatan
berikut prosedur penanganannya secara hukum untuk meminimalkan risiko hukum; /
The Legal & Compliance Division through the Legal Department works closely with legal officers in Work Units to monitor
legal risks by reporting mechanisms and documenting legal cases as well as socializing the modes of operation of crimes
and procedures for handling them legally to minimize legal risks;
e) Divisi Legal & Compliance melalui Bagian Hukum melalui menyusun pedoman-pedoman hukum misalnya pedoman
penyusunan PKS dan buku saku hukum baik untuk bidang operasional maupun bidang perkreditan; /
Legal & Compliance Division through the Legal Department by compiling legal guidelines, for example guidelines for the
preparation of pks and legal pocket books for both the operational and credit sectors;
f) Pembinaan staf pada Unit Kerja Operasional (UKO) di Kantor Cabang dilakukan dengan cara meningkatkan kompetensi
dalam mengendalikan risiko hukum di wilayah kerja yang bersangkutan di antaranya berupa sosialisasi, diskusi mengenai
opini atas suatu kejadian dari sisi hukum yang berlaku; /
Development of staff in Operational Work Units at Branch Offices / Sub-Branch Offices is carried out by increasing
competence in controlling legal risk in the work area concerned, including in the form of socialization, discussion of
opinions on an incident from the perspective of applicable law;
g) Apabila diperlukan, UKO dapat berkonsultasi dengan Divisi Legal & Compliance melalui Bagian Hukum mengenai
permasalahan permasalahan hukum yang bersifat teknis; /
If necessary, Operational Work Units can consult with the Legal & Compliance Division through the Legal Department
regarding technical legal issues;
h) Dalam hal adanya tuntutan hukum yang memiliki potensi kerugian sangat signifikan bagi Bank dan atau adanya tuntutan
hukum yang secara signifikan bisa berdampak negatif pada reputasi Bank Raya, maka sebagai contingency plan harus
dilakukan tindakan untuk mengurangi risiko hukum, antara lain melalui: penggunaan jasa pengacara dan melaporkan
perkembangannya kepada Direksi; /
In the event of a lawsuit that has the potential for very significant losses for the Bank and/or there is a lawsuit that can
significantly negatively impact Bank Raya’s reputation, then as a contingency plan action must be taken to reduce legal
risk, including through: using attorney services and report its progress to the Board of Directors;
i) Sebagai bagian dari pemantauan terhadap risiko hukum, Divisi Legal & Compliance melalui Bagian Hukum berkoordinasi
dengan Divisi risk Management melalui Bagian Mop terkait dengan pelaporan profil risiko hukum BRI setiap bulan kepada
Direksi melalui Dashboard profil risiko; /
As part of monitoring legal risk, the Legal & Compliance Division through the Legal Department coordinates with the risk
Management Division through the Mop Section regarding reporting of BRI’s legal risk profile every month to the Board of
Directors through the risk profile Dashboard;
j) Kaji ulang terhadap penerapan Manajemen Risiko Hukum dilakukan secara rutin. Upaya lain yang dilakukan dalam rangka
meningkatkan kesadaran risiko hukum. /
Review of the implementation of Legal risk Management is carried out regularly. Other efforts made in order to increase
awareness of legal risks.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 497
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan Pembahasan mengenai perencanaan strategi, monitoring pencapaian target dan evaluasi strategi dibahas dalam rapat
Komisaris dan Direksi / Gabungan Dewan Komisaris dengan Direksi (Radirkom) pada saat pembahasan mengenai persetujuan RBB, persetujuan
Active oversight by the Board RKAP, dan pembahasan kinerja keuangan triwulanan. Materi Rapat Kerja nasional (Rakernas) yang diadakan setiap tahun
of Commissioners and Board of untuk mendukung proses formulasi strategi juga dibahas dalam forum rapat Direksi. Selain itu, rapat Komite Direksi seperti
Directors ALCO juga membahas pencapaian kinerja dan upaya pencapaian kinerja keuangan. /
Discussions on strategic planning, monitoring target achievement and evaluating strategies are discussed in the Joint
Board of Commissioners and Directors meetings (Radirkom) during discussions regarding RBB approval, RKAP approval,
and quarterly financial performance discussions. Materials for the national working meeting (Rakernas) which are held every
year to support the strategy formulation process are also discussed in the Board of Directors meeting forum. In addition,
Board of Directors Committee meetings such as ALCO also discuss performance achievements and efforts to achieve
financial performance.
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, a) Proses perencanaan, monitoring dan evaluasi strategi perusahaan tertuang dalam DUJ maupun BPO Divisi Change
dan penetapan Limit / Management dan Divisi Finance Asset Management; /
Adequacy of policies, procedures The Job Description and BPO Change Management Division and the Financial Asset Management Division are in charge
and setting limits of planning, monitoring, and analyzing the Company’s strategy;
b) Parameter dan limit risiko stratejik telah ditetapkan dan di-review secara berkala setiap tahun. /
Every year, parameters and strategic risk limitations are defined and revised.
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan Penyelenggaraan joint planning session pada saat penyusunan RBB dalam rangka pembahasan strategi bisnis beserta
Sistem Informasi Manajemen rencana program kerja masing-masing Unit Kerja Divisi di Kantor Pusat. Monitoring Strategic Initiatives perusahaan oleh
risiko / Unit Kerja Project Management Office dan Divisi Change Management. Strategic Initiatives yang dimaksud adalah program
Risk Management Process and kerja non-rutin yang bersifat sangat strategis dan kritikal yang harus dilakukan agar suatu target unit kerja dapat tercapai.
Risk Management Information / Organizing Joint planning sessions during the preparation of RBB in order to discuss business strategy and work program
System plans for each Divisional Work Unit at the head office. Monitoring the company’s Strategic Initiatives by the Project
Management Office Work Unit in the Change Management Division. Strategic Initiatives in question are non-routine work
programs that are very strategic and critical, which must be carried out so that a work unit target can be achieved.
PILAR 4
Sistem pengendalian Intern a) Pelaporan profil risiko stratejik Bank kepada Dewan Komisaris dan Direksi secara rutin; /
Manajemen risiko / Regular reporting of the Bank’s strategic risk profile to the Board of Commissioners and Board of Directors;
Risk management internal control b) Kaji ulang terhadap penerapan manajemen risiko stratejik; / A review of the strategic risk management implementation;
system c) Apabila terdapat realisasi program kerja suatu Unit Kerja masih behind schedule akibat keterkaitan dengan Unit Kerja
lainnya, akan dilakukan penyelarasan akselerasi program kerja ke Unit Kerja yang dimintakan support. Penyelarasan dan
akselerasi program kerja tersebut dimonitor oleh Divisi Change Management. /
If a Work Unit’s work program realization is still behind schedule due to connections with other Work Units, a work
program acceleration will be linked to the Work Unit that sought help. The Change Management Division monitors the
alignment and acceleration of the work program.
PILAR 1 / PILLAR 1
Pengawasan aktif Dewan Pembahasan mengenai profil risiko reputasi dan pengelolaan risiko reputasi beserta tindak lanjutnya dibahas dalam RMC,
Komisaris dan Direksi / dan rapat KPMR. /
Active oversight by the Board Discussions regarding reputation risk profiles and reputation risk management along with their follow-up actions are
of Commissioners and Board of discussed at the RMC and KPMR meetings.
Directors
498 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PILAR 2 / PILLAR 2
Kecukupan Kebijakan, prosedur, Dalam rangka pengendalian risiko reputasi telah ditunjuk Divisi Corporate Secretary (CSC) untuk menangani setiap informasi
dan penetapan Limit / negatif. Proses pengelolaan risiko reputasi tertuang dalam DUJ maupun Bpo Divisi Sekretariat perusahaan. Prosedur
Adequacy of policies, procedures penanganan aduan (Complaint Handling) dengan SLA tertentu. /
and setting limits In order to control reputation risk, a Corporate Secretary Division (CSC) has been appointed to handle any negative
information. The reputation risk management process is contained in the DUJ and Bpo Division of the company Secretariat.
Complaint Handling procedures with a certain SLA.
PILAR 3 / PILLAR 3
Proses Manajemen risiko dan a) Kegiatan identifikasi risiko reputasi yang dilakukan secara berkala oleh Divisi CSC dengan melihat jumlah pemberitaan
Sistem Informasi Manajemen negatif terhadap Bank Raya, jumlah keluhan nasabah di media massa baik cetak maupun elektronik, call center dan
risiko / rating perusahaan. Setelah proses identifikasi akan dilakukan pengukuran terhadap risiko reputasi untuk menilai
Risk Management Process and kategori risiko reputasi dengan menggunakan beberapa parameter sesuai dengan limit parameter dalam Laporan profil
Risk Management Information risiko reputasi.; /
System Reputation risk identification activities are carried out periodically by the SKP Division by looking at the number of
negative reports on Bank Raya, the number of customer complaints in the mass media both print and electronic, call
centers and company ratings. After the identification process, reputation risk will be measured to assess the reputation
risk category using several parameters according to the parameter limits in the reputation risk profile report;
b) Pemantauan risiko yang dilakukan oleh Divisi SKP yaitu dengan melakukan monitoring secara berkala terhadap jumlah
keluhan dan pemberitaan negatif di media massa dan melaporkan dalam profil risiko reputasi; /
Risk monitoring is carried out by the SKP Division, namely by periodically monitoring the number of complaints and
negative reports in the mass media and reporting them in the reputation risk profile;
c) Parameter dan limit risiko reputasi telah ditetapkan dan di-review secara berkala setiap tahun /
Parameters and limits for reputation risk have been determined and reviewed periodically every year.
PILAR 4 / PILLAR 4
Sistem pengendalian Intern Pelaksanaan kaji ulang independent (independent review) oleh Satuan Kerja Audit Intern (SKAI) dilakukan secara berkala
Manajemen risiko / terhadap Kualitas penerapan Manajemen risiko reputasi. /
Risk management internal control The implementation of independent reviews (independent review) by the Internal Audit Work Unit (SKAI) is carried out
system periodically on the quality of the implementation of reputation risk management.
Aspek LST telah menjadi salah satu faktor penilaian terkait The ESG aspect has become one of the assessment factors
kondisi bisnis dan sektor industri dari debitur. Pengendalian related to the business condition and industrial sector of
risiko LST dalam penyaluran kredit oleh Bank antara lain the debtor. Controlling ESG risks in lending by the Bank
mencakup penilaian terhadap lokasi usaha (peruntukan includes, among other things, an assessment of the business
lokasi usaha, kedekatan dengan bahan baku, daerah location (designation of business location, proximity to raw
pemasaran, tenaga kerja, dan tidak bertentangan dengan materials, marketing areas, workforce, and does not conflict
agama, sosial budaya, dampak lingkungan, dan ketersediaan with religion, social culture, environmental impact, and
pengolahan limbah sesuai izin lingkungan), sumber daya availability of waste processing according to environmental
manusia, kapasitas produksi, proses produksi, dan lain-lain permits), human resources, production capacity, production
yang relevan. processes, and other relevant matters.
Berdasarkan Pasal 7 ayat (1) POJK Keuangan Berkelanjutan, Based on Article 7 paragraph (1) POJK Sustainable Finance,
terdapat prioritas implementasi Keuangan Berkelanjutan there are priorities for the implementation of Sustainable
salah satunya yaitu penyesuaian organisasi, manajemen Finance, one of which is adjusting the organization, risk
risiko, tata kelola, dan/atau standar prosedur operasional management, governance, and/or standard operating
(standard operating procedure) LJK yang sesuai dengan procedures of LJK in accordance with the principles of
prinsip penerapan Keuangan Berkelanjutan. Sustainable Finance.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam hal penerapan tata kelola, kebijakan, dan manajemen In terms of implementing governance, policies and risk
risiko, Bank telah menyesuaikan kebijakan baik dalam management, the Bank has adjusted policies both in loans
perkreditan maupun operasional. Pada kebijakan perkreditan and operations. In its credit policy, the Bank has required
Bank telah mensyaratkan kepada debitur besar agar memiliki large debtors to have environmental certification and has
sertifikasi lingkungan serta telah memfokuskan portofolio focused its business portfolio towards digital and MSMEs
bisnis ke arah digital dan UMKM untuk mencapai sasaran to achieve Sustainable Finance targets by establishing
Keuangan Berkelanjutan dengan membentuk struktur a new organizational structure specifically developing
organisasi baru yang khusus mengembangkan bisnis digital. digital business. In operational policy, the bank carries out
Pada kebijakan operasional bank melakukan pengembangan technological development by implementing a digitally
teknologi dengan melakukan sistem yang telah terintegrasi integrated system for supporting activities including bank
secara digital terhadap kegiatan supporting termasuk documentation, thereby reducing the amount of paper,
dokumentasi bank sehingga mengurangi jumlah pemakaian electricity, plastic and fuel used and implementing emission
kertas, listrik, plastik, BBM dan menerapkan aturan uji test rules for all bank operational vehicles, as well as
emisi terhadap seluruh kendaraan operasional bank, serta implementing new culture building in the context of maintain
menerapkan new culture building dalam rangka menjaga an efficient and effective work environment to achieve
lingkungan kerja efisien dan efektif untuk mencapai sasaran Sustainable Finance targets.
Keuangan Berkelanjutan.
Dalam pengembangan kapasitas intern bank, Bank telah In developing the Bank’s internal capacity, the Bank has
melakukan pengembangan sumber daya manusia (SDM) developed human resources (HR) to be able to understand
untuk mampu memahami dan menerapkan prinsip-prinsip and apply the principles of Sustainable Finance. This HR
Keuangan Berkelanjutan. Pengembangan SDM ini antara development includes, among other things, providing
lain mengadakan pendidikan topik Keuangan Berkelanjutan education on Sustainable Finance topics to Internals,
kepada Internal, melakukan sosialisasi Keuangan conducting dissemination on Sustainable Finance to increase
berkelanjutan dalam rangka meningkatkan employee employee participation and engagement and employees
participation and engagement serta pekerja juga diarahkan are also directed to encourage innovation/development of
untuk mendorong adanya inovasi/ pengembangan berbagai various Sustainable Finance products and/or services as
produk dan/atau jasa Keuangan Berkelanjutan sebagai bagian part of efforts to improve bank services to customers for
dari upaya peningkatan layanan bank terhadap nasabah atas Sustainable Finance products and/or services.
produk dan/atau jasa Keuangan Berkelanjutan.
500 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Pengelolaan risiko di Bank Raya dilakukan secara proaktif Risk management at Bank Raya is carried out proactively
untuk mendukung pencapaian pertumbuhan yang sehat dan to support the achievement of healthy and sustainable
berkelanjutan serta memelihara tingkat risk-adjusted return growth and maintain optimal levels of risk-adjusted return
yang optimal dan shareholder value. Penerapan manajemen and shareholder value. The risk management is carried out
risiko dilakukan secara efektif dengan memastikan bahwa effectively by ensuring that risk management is carried out
pengelolaan manajemen risiko telah dilakukan dengan baik properly in terms of the adequacy of the risk management
dari sisi kecukupan bangunan organisasi manajemen risiko organizational structure (the MR Division and Committee
(Divisi dan Komite MR yang dibentuk), kecukupan kompetensi that was established), the adequacy of the competence of
seluruh pekerja terhadap prinsip risk and return dan alternatif all workers regarding the principles of risk and return and
metode pengendalian risiko. alternative risk control methods.
Dalam memastikan semua risiko telah diidentifikasi In ensuring that all risks have been identified and managed
dan dikelola dengan baik, Divisi ERM dan seluruh Divisi properly, the ERM Division and all Divisions collaborate to
berkolaborasi untuk melakukan perbaikan atas rekomendasi make improvements based on recommendations according
sesuai arahan Direksi. Rekomendasi tersebut akan selalu to the directives of the Board of Directors. The progress of
diupdate progressnya kemudian disampaikan kepada Direksi these recommendations will always be updated and then
dalam rapat Risk Management Committee (RMC). submitted to the Board of Directors at the Risk Management
Committee (RMC) meeting.
Di tahun 2023, Bank Raya meningkatkan penerapan In 2023, Bank Raya increased the implementation of risk
manajemen risiko dengan memenuhi kebijakan berdasarkan management by complying with policies based on OJK Circular
Surat Edaran OJK Nomor 28/SEOJK.03/2022 tentang Letter No. 28/SEOJK.03/2022 concerning Risk Management
Sertifikasi Manajemen Risiko bagi Sumber Daya Manusia Certification for Human Resources of Commercial Bank. The
Bank Umum. Pencapaian yang dilakukan dalam penerapan achievements made in implementing risk management are
manajemen risiko ditandai dengan berhasilnya program marked by the success of the certification program related to
sertifikasi terkait manajemen risiko di Perusahaan, dengan risk management in the Company, with the following results:
hasil sebagai berikut:
Program Sertifikasi Manajemen Risiko / Risk Management Certification Program Pegawai / Employee
Level 1 279
Level 2 102
Level 3 79
Level 4 7
Level 5 262
Total 729
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 501
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Secara keseluruhan hasil penilaian Profil Risiko Bank pada Overall, the Bank’s Risk Profile assessment results in
Desember 2023 berada pada peringkat 2 (Low to Moderate), December 2023 were ranked 2 (Low to Moderate), a stable
stabil jika dibandingkan dengan Profil Risiko pada Juni 2023 position compared to the Risk Profile in June 2023 according
sesuai hasil penilaian OJK. to the OJK assessment results.
PERNYATAAN DIREKSI DAN/ATAU DEWAN KOMISARIS ATAU STATEMENT ON THE SUITABILITY OF THE RISK
KOMITE AUDIT ATAS KECUKUPAN SISTEM MANAJEMEN MANAGEMENT SYSTEM FROM THE BOARD OF DIRECTORS,
RISIKO BOARD OF COMMISSIONERS, OR AUDIT COMMITTEE
Dewan Komisaris dan Direksi bertanggung jawab atas The Board of Commissioners and Board of Directors are
penerapan manajemen risiko di Bank Raya. Pengawasan responsible for implementing risk management at Bank Raya.
Aktif Dewan Komisaris Bank tercermin dari persetujuan Active supervision of the Bank’s Board of Commissioners
atas Kebijakan Manajemen Risiko yang disusun oleh Direksi, is reflected in the approval of the Risk Management Policy
serta evaluasi pelaksanaan kebijakan manajemen risiko prepared by the Board of Directors, as well as evaluation of
melalui forum rapat Direksi dan Komisaris secara berkala, the implementation of risk management policies through
dalam pelaksanaannya pengawasan aktif Dewan Komisaris regular Board of Directors and Board of Commissioners
didukung oleh Komite Pemantau Risiko. meeting forums. In its practice, the implementation of
the active supervision of the Board of Commissioners is
supported by the Risk Monitoring Committee.
Pengawasan aktif Direksi Bank antara lain dilaksanakan Active supervision of the Bank’s Board of Directors is
melalui penyusunan, penerapan dan evaluasi atas kebijakan carried out, among other things, through the preparation,
dan prosedur manajemen risiko. Pelaksanaan pengawasan implementation and evaluation of risk management policies
aktif juga dilakukan melalui forum rapat Direksi dan Komite and procedures. Active supervision is also carried out
Manajemen Risiko (KMR), Bidang Kebijakan Kredit dan Bidang through meeting forums of the Board of Directors and the
Asset and Liability. Risk Management Committee (KMR), the Credit Policy Sector
and the Asset and Liability Sector.
Di tahun 2023, berdasarkan hasil evaluasi yang telah dilakukan Based on the results of the evaluation carried out by the
Dewan Komisaris dan Direksi menilai bahwa kecukupan Board of Commissioners and Board of Directors, the risk
sistem manajemen risiko telah berjalan memadai. management system in 2023 has been adequate.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Bank Raya menerapkan program Anti Pencucian Uang dan Bank Raya implements the Anti-Money Laundering and
Pencegahan Pendanaan Terorisme (APU dan PPT), melalui Counter Terrorism Financing (AML CTF) program, through
kegiatan identifikasi, verifikasi pemantauan kegiatan identification, verification, monitoring of customer financial
transaksi keuangan nasabah dan pelaporan transaksi transaction activities and reporting of customer financial
keuangan nasabah yang dianggap mencurigakan atau transactions that are considered suspicious or related
terkait kegiatan terorisme. penerapan program APU dan to terrorist activities. The implementation of the AML
PPT berpedoman pada Undang-Undang Nomor 8 tahun 2010 CTF program refers to Law No. 8 of 2010 concerning the
tentang pencegahan dan pemberantasan tindak pidana prevention and eradication of money laundering crimes, and
pencucian uang, dan Undang-Undang Nomor 9 tahun 2013 Law No. 9 of 2013 concerning the prevention and eradication
tentang pencegahan dan pemberantasan tindak pidana of criminal acts of terrorism.
terorisme.
POJK Nomor 8 Tahun 2023 Tentang Penerapan Program POJK No. 8 of 2023 concerning Implementation of Anti-
Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, Money Laundering Programs, Prevention of Terrorism
dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Financing, and Prevention of Funding for the Proliferation
Massal di Sektor Jasa Keuangan. Kemajuan teknologi di of Weapons of Mass Destruction in the Financial Services
perbankan dan ragam kemudahan transaksi yang ditawarkan Sector. Technological advances in banking and the variety
perbankan memiliki tujuan utama untuk meningkatkan of transaction conveniences offered by banking have the
layanan produk dan jasa keuangan bagi nasabah, namun main aim of improving financial products and services for
hal tersebut dapat disalahgunakan oleh orang yang tidak customers, however, this can be misused by irresponsible
bertanggung jawab/ pelaku kejahatan untuk mengaburkan people/criminals to obscure the origin of the source of funds
asal usul sumber dana maupun keberadaan dana melalui and the whereabouts of funds through a series of transactions
serangkaian transaksi sebagai upaya melakukan pencucian in an effort to launder money or support terrorist financing
uang, maupun mendukung aktivitas pendanaan terorisme. activities.
Dampak negatif yang ditimbulkan dari Tindak Pidana The negative impacts resulting from money laundering are as
Pencucian Uang (money laundering), antara lain sebagai follows:
berikut:
1. Mempersulit pengendalian moneter, mengurangi 1. Complicating monetary control, minimizing state revenue
pendapatan negara dan meningkatnya country risk; and increasing country risk;
2. Menimbulkan high cost economy dan mengganggu 2. Causing high economic costs and disrupting business
persaingan usaha; competition;
3. Menimbulkan permasalahan sosial politik yang terkait 3. Causing socio-political problems related to the
dengan banyaknya uang haram yang dipakai dalam large amount of illegal money used in socio-political
interaksi sosial politik; interactions;
4. Mengakibatkan tidak berjalannya sistem hukum dengan 4. Resulting in the legal system not functioning properly,
baik sehingga mengurangi kepastian hukum yang penting thereby reducing legal certainty which is crucial for
bagi semua orang dalam berbagai kasus yang terjadi, everyone in various cases that occur, the crime of money
Tindak Pidana Pencucian Uang (TPPU) paling dominan laundering (TPPU) is most dominantly carried out through
dilakukan melalui sistem keuangan. the financial system.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Sedangkan untuk tindak pidana terorisme, dilakukan untuk As for criminal act of terrorism, it is carried out to intimidate,
mengintimidasi, menggunakan ancaman kekerasan yang using threats of violence that cause widespread fear or
menimbulkan rasa takut atau teror secara luas dengan target terror, targeting law enforcement officers, government
sasaran aparat penegak hukum, aparat pemerintahan atau officials or civil society randomly or in unselected manner. As
masyarakat sipil secara acak atau tidak terseleksi. Serta well as vital strategic objects, public facilities, etc. which aim
obyek vital yang strategis, fasilitas umum, dan lain-lain yang to endanger the security and sovereignty of the country.
bertujuan membahayakan keamanan dan kedaulatan negara.
PIHAK YANG MENANGANI APU & PPT PARTY HANDLING AML & CTF
Pihak yang menangani APU dan PPT di Perusahaan adalah The party that handles AML and CTF in the Company is the
Unit Kerja Khusus (UKK). Unit Kerja Khusus (UKK) di Bank Special Work Unit (UKK). The Special Work Unit (UKK) at
Raya yang bertanggung jawab terhadap penerapan program Bank Raya that is responsible for implementing the AML and
APU dan PPT, yaitu Divisi Legal & Compliance / Bagian Anti CTF program is the Legal & Compliance Division/Anti Money
Money Laundering. Laundering Section.
PELAKSANAAN PROGRAM APU & PPT DI TAHUN 2023 IMPLEMENTATION OF THE AML & CTF PROGRAM IN 2023
Hingga 31 Desember 2023, Unit Kerja Khusus (UKK) telah As of December 31, 2023, the Special Work Unit (UKK) has
melaksanakan Program APU dan PPT. Pelaksanaan program implemented the AML and CTF Program. The implementation
APU dan PPT Bank Raya adalah sebagai berikut: of the AML and CTF program at Bank Raya is as follows:
1. Pengawasan aktif Direksi dan Dewan Komisaris 1. Active oversight by the Board of Commissioners and
sebagaimana tercantum dalam: Board of Directors as stated in:
a. Notulen Rapat Direksi No: 45/RADISI/07/2023 tanggal a. Minutes of Meeting of the Board of Directors No: 45/
17 Juli 2023 tentang Gap Analysis POJK Nomor 8 RADISI/07/2023 dated July 17, 2023, concerning Gap
Tahun 2023 dan Road Map APU PPT 2023-2025. Analysis POJK No. 8 of 2023 and APU PPT Road Map
2023-2025.
b. Notulen Rapat Dewan Komisaris No. 07A/KPR/ b. Minutes of Meeting of the Board of Commissioners
VII/2023 tanggal 31 Juli 2023 dengan agenda Evaluasi No. 07A/KPR/VII/2023 dated July 31, 2023, with the
Penerapan Program APU dan PPT. agenda of the Implementation Evaluation of APU and
PPT Programs.
c. Surat Direksi Bank Raya No: B.776/Dir.01.04/ c. Letter from the Board of Directors of Bank Raya No.
PCP/12/2023 tanggal 11 Desember 2023 perihal : B.776/Dir.01.04/PCP/12/2023 dated December 11,
Permohonan Persetujuan Pedoman Pelaksanaan 2023, concerning the Application for Approval of APU,
APU, PPT dan PPPSPM. PPT, and PPPSPM Implementation Guidelines.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
2. Penyusunan kebijakan dan prosedur mengenai: 2. Preparation of policies and procedures regarding:
a. Standar Operasional Prosedur No. SO : B. 01/Dir.02/ a. Standard Operational Procedure No. SO: B. 01/Dir.02/
PCP/01/2023 tanggal 10 Januari 2023 tentang PCP/01/2023 dated January 10, 2023, concerning
Penyampaian Informasi Nasabah Terkait Perpajakan the Customer Information Submission Related to
Internasional Dalam Rangka Implementasi Foreign International Taxation to Implement the Foreign
Account Tax Compliance Act dan Common Reporting Account Tax Compliance Act and Common Reporting
Standard (FATCA dan CRS). Standard (FATCA and CRS).
b. Standar Operasional Prosedur No SO : B.04/Dir.02/ b. Standard Operational Procedure No. SO: B.04/Dir.02/
PCP/04/2023 tanggal 27 Maret 2023 tentang Laporan PCP/04/2023 dated March 27, 2023, concerning
Anti Pencucian Uang Dan Pencegahan Pendanaan Anti-Money Laundering and Prevention of Terrorism
Terorisme (APU & PPT) Melalui APOLO. Financing (APU & PPT) Reports through APOLO.
c. Standar Operasional Prosedur No SO : B.05/Dir.02/ c. Standard Operational Procedure No. SO: B.05/Dir.02/
PCP/04/2023 tanggal 27 April 2023 tentang Sistem PCP/04/2023 dated April 27, 2023, concerning the
Raya Smart AML (RAYSA). Raya Smart AML (RAYSA) System.
d. Standar Operasional Prosedur No. SO: B.01/LCA/ d. Standard Operational Procedure No. SO: B.01/LCA/
PCP/06/2023 tanggal 23 Juni 2023 tentang Petunjuk PCP/06/2023 dated June 23, 2023, concerning
Pelaksanaan Rekening Khusus Dana Kampanye Instructions for Implementing Special Campaign
(RKDK). Fund Accounts (RKDK).
e. Surat Edaran Direksi Bank Raya NO. SE: B.60/ e. Circular Letter of the Board of Directors of Bank
Dir.01.04/PCP/LCA/12/2023 tanggal 8 Desember 2023 Raya No. SE: B.60/Dir.01.04/PCP/LCA/12/2023
tentang Penerapan Program Anti Pencucian Uang, dated December 8, 2023, concerning the Anti-Money
Pencegahan Pendanaan Terorisme, dan Pencegahan Laundering, Prevention of Terrorism Financing, and
Pendanaan Proliferasi Senjata Pemusnah Massal Prevention of Funding for the Proliferation of Weapons
(APU, PPT dan PPPSPM). of Mass Destruction Program Implementation (APU,
PPT, and PPPSPM)
3. Penyampaian laporan dan permintaan informasi/data 3. Submission of reports and requests for customer
nasabah dalam rangka penerapan program APU, PPT dan information/data in the context of implementing the APU,
PPPSPM kepada regulator, yaitu: PPT, and PPPSPM programs to the regulator, namely:
a. Laporan Transaksi Keuangan Mencurigakan (LTKM)/ a. Suspicious Transaction Report (LTKM)/Suspicious
Suspicious Transaction Report (STR). Transaction Report (STR).
b. Laporan Transaksi Keuangan Tunai (LTKT)/Cash b. Cash Transaction Report (LTKT)/Cash Transaction
Transaction Report (CTR). Report (CTR).
c. Laporan Transaksi Keuangan Transfer Dana Dari dan c. Financial Transaction Reports on Transfers of Funds
Ke Luar Negeri (LTKL)/International Fund Transfer from and to Overseas (LTKL)/International Fund
Instruction (IFTI). Transfer Instruction (IFTI).
d. Laporan Sistem Informasi Pengguna Jasa Terpadu d. Integrated Service User Information System
(SIPESAT). Application (SIPESAT) Report.
e. Laporan Sistem Informasi Terduga Pendanaan e. Terrorism Funding Suspected Information System
Terorisme (SIPENDAR). (SIPENDAR) Report.
f. Pelaporan Informasi Nasabah Asing Terkait f. Reporting on Tax-Related Foreign Customer
Perpajakan Kepada Negara Mitra Atau Yurisdiksi Mitra Information to Partner Countries or Partner
Melalui Sistem Informasi Nasabah Asing (SIPINA). Jurisdictions Through the Foreign Customer
Information System (SIPINA).
g. Laporan Sistem Informasi Program APU dan PPT g. APU and PPT Information System (SIGAP) Report.
(SIGAP).
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, tidak ada pemberian dana untuk kegiatan There was no funding for political activities in 2023. Based on
politik. Berdasarkan kebijakan internal Bank melarang internal policy, the Bank prohibits the involvement of the Bank
keterlibatan Bank termasuk pekerja dalam kegiatan politik, and its employees in political activities, such as providing
termasuk memberikan dana untuk kepentingan politik. funds for political purposes. This policy is implemented to
Kebijakan ini diterapkan guna menjaga independensi dan maintain the independence and professionalism of the Bank
profesionalisme Bank dan pekerja. and its employees.
Kemudian untuk kegiatan sosial, Bank telah memberikan However, the Bank has provided and distributed funds for
dan menyalurkan dana untuk kegiatan sosial. Bank meyakini social activities. The Bank believes that social activities
bahwa kegiatan sosial memberi dampak positif kepada have a positive impact on the public and provide long-term
khalayak, dan sebagai bentuk pemberian manfaat kepada benefits to the wider community. The implementation
masyarakat yang lebih luas, dan jangka panjang. Pelaksanaan of social activities is informed in the discussion of the
kegiatan sosial akan diinformasikan di dalam pembahasan Sustainability Report in this Annual Report.
Laporan Keberlanjutan dalam Laporan Tahunan ini.
Berdasarkan POJK No.32/POJK.03/2018 tentang Batas POJK No.32/POJK.03/2018 concerning the Legal Lending
Maksimum Pemberian Kredit (BMPK) dan Penyediaan Limit (LLL) and the Provision of Large Exposures for
Dana Besar Bagi Bank Umum dan ketentuan internal Bank, Commercial Banks and the Bank’s internal regulations
mengatur mengenai penyediaan Dana kepada pihak terkait. regulate the provision of Funds to related parties. Provision
Penyediaan dana kepada pihak terkait oleh Bank (termasuk of funds to related parties by the Bank (including the Board of
Dewan Komisaris, Direksi, dan pihak terkait lainnya) dilakukan Commissioners, Board of Directors and other related parties)
secara wajar dan sesuai harga pasar dengan persyaratan is carried out fairly and in accordance with market prices
komersial normal. with normal commercial requirements.
Bank menyampaikan laporan Penyediaan Dana, Penyediaan The Bank submits reports on Provision of Funds, Provision
Dana Besar, Pengecualian Penyediaan Dana Besar, of Large Exposures, Exceptions to Provision of Large
Pelanggaran BMPK atau Pelampauan BMPK, secara individu Exposures, Violations of LLL or Exceeding LLL, individually
dan secara konsolidasi kepada Otoritas Jasa Keuangan (OJK) and on a consolidated basis to the Financial Services
secara berkala. Authority (OJK) on a regular basis.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Implementasinya, Bank telah menyusun pelaporan BMPK In the implementation, the Bank has prepared LLL reporting
yang melibatkan unit kerja. Mekanisme pelaporan BMPK involving work units. The LLL reporting mechanism is as
adalah sebagai berikut: follows:
1. Sebagai dasar penentuan BMPK dan Penyediaan Dana 1. As a basis for determining LLL and Large Exposures, the
Besar (Large Exposure), Divisi KTR menyediakan data KTR Division provides the latest Bank Capital data to the
Modal Bank posisi terakhir kepada Divisi yang membidangi Division in charge of credit portfolios;
portofolio kredit;
2. Divisi Bisnis Kantor Pusat, Unit Kerja, Divisi/Desk dan 2. Head Office Business Divisions, Work Units, Divisions/
unit kerja terkait melaporkan data yang diperlukan. untuk Desks and related work units report the required data for
pelaporan sesuai fungsinya masing-masing kepada Divisi reporting according to their respective functions to the
yang membidangi portofolio kredit; Division in charge of the credit portfolio;
3. Divisi yang membidangi portofolio kredit melakukan 3. The division in charge of credit portfolios consolidates
konsolidasi dan membuat laporan BMPK dan Penyediaan and prepares LLL and Large Exposures reports and
Dana Besar (Large Exposure) dan menyampaikan kepada submits them to the Board of Directors and Board of
Direksi dan Dewan Komisaris. Commissioners.
Di tahun 2023, Bank Raya tidak melakukan buyback atas Bank Raya did not carry out stock and bond buyback in 2023.
saham dan obligasi yang diterbitkan.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya memiliki program kepemilikan saham untuk Bank Raya has a share ownership program for management
manajemen dan karyawan. Program MESOP BRI Agro yang and employees. BRI Agro’s MESOP program was approved
telah disetujui dalam Rapat Umum Pemegang Saham Luar at the Extraordinary General Meeting of Shareholders on
Biasa tanggal 26 Juni 2018 dan telah diumumkan dalam June 26, 2018 and announced in the Information Disclosure
Keterbukaan Informasi pada tanggal 23 April 2018. Program on April 23, 2018. This share ownership program was issued
kepemilikan saham ini diterbitkan dalam 3 (tiga) tahap, in 3 (three) stages, MESOP Phase I, MESOP Phase II, and
MESOP Tahap I, MESOP Tahap II, dan MESOP Tahap III. MESOP Phase III. Management or employees can buy up to
Manajemen atau pun karyawan dapat membeli saham baru 350,000,000 (three hundred and fifty million) new shares.
sebanyak-banyaknya hingga 350.000.000 (tiga ratus lima
puluh juta) saham.
508 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Pembagian saham MESOP dilakukan dalam 3 (tiga) tahap The distribution of MESOP shares is carried out in 3 (three)
alokasi yaitu: allocation stages, namely:
Periode / Tanggal / Jumlah Saham (Lembar) /
Period Date Total Shares (Shares)
• April & Agustus 2020 / April & August, 2020
• April & Agustus 2021 / April & August, 2021
Tahap I / Phase I 174.995.386
• April & Agustus 2022 / April & August, 2022
• April 2023 / April, 2023
• April & Agustus 2020 / April & August, 2020
• April & Agustus 2021 / April & August, 2021
Tahap II / Phase II 104.466.902
• April & Agustus 2022 / April & August, 2022
• April 2023 / April, 2023
• April & Agustus 2021 / April & August, 2021
Tahap III / Phase III • April & Agustus 2022 / April & August, 2022 69.994.759
• April 2023 / April, 2023
Total 349.457.047
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 509
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Berdasarkan hal tersebut, maka jumlah saham yang disetor Based on this, the number of shares paid up and issued by the
dan ditempatkan Perusahaan mengalami perubahan sebagai Company has changed as follows:
berikut:
No Keterangan / Description Jumlah Saham / Total Shares
Sesuai Akta Pernyataan Keputusan Rapat No.18 Tanggal 27 April 2021 yang dibuat oleh Notaris
21.343.290.230 lembar saham /
1 Nova Faisal SH. M.Kn / In accordance with the Deed of Statement of Meeting Resolutions No. 18
21,343,290,230 shares
dated April 27, 2021 made by Notary Nova Faisal S.H., M.Kn
Jumlah Saham baru yang diterbitkan dari Program MESOP Periode April 2021 / The number of 249.376.451 lembar saham /
2
new shares issued from the MESOP Program for the April 2021 Period 249,376,451 shares
Sesuai Akta Pernyataan Keputusan Rapat No.07 tanggal 12 Juli 2021 yang dibuat oleh Notaris
Nova Faisal SH. M.Kn dan telah diberitahukan kepada Kemenkumham sebagaimana tercantum
dalam Surat Penerimaan Pemberitahuan Perubahan Anggaran Dasar. No. AHU-0122517.AH.01.11.
21.592.666.681 lembar saham /
3 Tahun 2021 tanggal 13 Juli 2021. / In accordance with the Deed of Statement of Meeting
21,592,666,681 shares
Resolutions No.07 dated July 12, 2021 made by Notary Nova Faisal SH. M.Kn and has been notified
to the Ministry of Law and Human Rights as stated in the Letter of Acceptance of Notification of
Amendments to the Articles of Association. No. AHU-0122517.AH.01.11. Year 2021 July 13, 2021.
Jumlah Saham baru yang diterbitkan dari Program MESOP Periode Agustus 2021. / Number of 99.314.846 lembar saham /
4
new shares issued from the MESOP Program for the August 2021 period. 99,314,846 shares
Sesuai Akta Pernyataan Keputusan Rapat No.26 tanggal 27 September 2021 yang dibuat oleh
Notaris Nova Faisal SH. M.Kn dan telah diberitahukan kepada Kemenkumham sebagaimana
tercantum dalam Surat Penerimaan Pemberitahuan Perubahan Anggaran Dasar. No. AHU-
0166120.AH.01.11. Tahun 2021 tanggal 27 September 2021. / In accordance with the Deed of 21.691.981.527 lembar saham /
5
Statement of Meeting Resolutions No. 26 dated September 27, 2021 made by Notary Nova Faisal 21,691,981,527 shares
S.H. M.Kn and has been notified to the Ministry of Law and Human Rights as stated in the Letter
of Acceptance of Notification of Amendments to the Articles of Association. No. AHU-0166120.
AH.01.11. Year 2021 September 27, 2021.
Jumlah Saham baru yang diterbitkan dari Program MESOP Periode April 2022. / The number of 218.370 lembar saham / 218,370
6
new shares issued from the MESOP Program for the April 2022 Period. Shares
Sesuai Akta Pernyataan Keputusan Rapat No. 9 Tanggal 6 Juni 2022 dan telah diberitahukan
kepada Kemenkumham (vide surat Penerimaan Pemberitahuan Perubahan Anggaran Dasar
No. AHU-0105.AH.01.11 Tahun 2022. / In accordance with the Deed of Statement of Meeting
7 -
Resolutions No. 9 June 6, 2022 and has been notified to the Ministry of Law and Human Rights
(vide letter of Acceptance of Notification of Amendments to the Articles of Association
No.AHU-0105.AH.01.11 Year 2022.
Jumlah Saham baru yang diterbitkan dari Program MESOP Periode Agustus 2022. / Number of 160.900 lembar saham / 160,900
8
new shares issued from the MESOP Program for the Period of August 2022. Shares
Sesuai Akta Pernyataan Keputusan Rapat No. 31 Tanggal 13 September2022 dan telah
diberitahukan kepada Kemenkumham (vide surat Penerimaan Pemberitahuan Perubahan
Anggaran Dasar No. AHU-0182184.AH.01.11 Tahun 2022. / In accordance with the Deed of 22.746.905.982 lembar saham /
9
Statement of Meeting Resolutions No. 31 September 13, 2022 and has been notified to the 22,746,905,982 shares
Ministry of Law and Human Rights (vide Letter of Acceptance of Notification of Amendments to
the Articles of Association No. AHU-0182184.AH.01.11 Year 2022
Jumlah Saham baru yang diterbitkan dari Program PMHMETD Periode Desember 2022 / Number 1.993.201.832 lembar saham /
10
of new shares issued from the Rights Issue Progrm for the December 2022 period 1,993,201,832 shares
Sesuai Akta Pernyataan Keputusan Rapat No. 41 Tanggal 26 Desember 2022 dan telah
diberitahukan kepada Kemenkumham (vide surat Penerimaan Pemberitahuan Perubahan
Anggaran Dasar No. AHU-0260418.AH.01.11 Tahun 2022 / In accordance with the Deed of Meeting 24.740.107.814 lembar saham /
11
Decision Statement No. 41 dated December 26, 2022 and has been notified to the Ministry of Law 24,740,107,814 shares
and Human Rights (vide letter of Acceptance of Notification of Amendments to the Articles of
Association No. AHU-0260418.AH.01.11 Year 2022
Jumlah Saham baru yang diterbitkan dari Program MESOP Periode April 2023 / Number of new 386.480 lembar saham /
12
shares issued from the MESOP Program for the April 2023 period 24,740,107,814 shares
Sesuai Akta Pernyataan Keputusan Rapat No. 14 Tanggal 23 Mei 2023 dan telah diberitahukan
kepada Kemenkumham (vide surat Penerimaan Pemberitahuan Perubahan Anggaran Dasar No.
AHU-0093733.AH.01.11 Tahun 2023 / In accordance with the Deed of Meeting Decision Statement 24.740.494.294 lembar saham /
13
No. 14 dated May 23, 2023 and has been notified to the Ministry of Law and Human Rights (vide 24,740,494,294 shares
letter of Acceptance of Notification of Amendments to the Articles of Association No. AHU-
0093733.AH.01.11 Year 2023
510 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Di tahun 2023, terdapat 3 (tiga) transaksi afiliasi yaitu: In 2023, there were 3 (three) affiliate transactions, namely:
Sifat Hubungan
Pihak Afiliasi /
Tanggal Transaksi / Jenis Transaksi / Afiliasi / Pelaporan / Nilai Transaksi (Rp) /
No Affiliated
Transaction Date Transaction Type Nature Of Reporting Transaction Value (Rp)
Parties
Affiliation
1 03 Januari 2023 / Laporan Transaksi Afiliasi PT Bank Rakyat BRI sebagai B.04/Dir.02.03/ Pada transaksi afiliasi ini, BBRI
January 3, 2023 Penandatanganan Perjanjian Indonesia Pemegang Saham CSC/01/2023 memberikan referensi fasilitas
Kerja sama antara PT Bank Rakyat (Persero) Tbk Pengendali / BRI Bank Garansi, Pinang Maksima
Indonesia (Persero) Tbk dengan PT as Controlling & Pinang Performa Bank Raya
Bank Raya Indonesia Tbk tentang Shareholder kepada rekanan BRI / In this
Penerbitan Bank Garansi dan affiliate transaction, BBRI
Penayaluran Fasilitas Kredit Pinang provides references for Bank
Maksima, Pinang Performa kepada Guarantee, Pinang Maksima
Rekanan (Vendor Financing) / Affiliate & Pinang Performa Bank Raya
Transaction Report on Signing of facilities to BRI partners
Cooperation Agreement between
PT Bank Rakyat Indonesia (Persero)
Tbk and PT Bank Raya Indonesia
Tbk regarding Issuance of Bank
Guarantees and Distribution of
Pinang Maksima, Pinang Performa
Loan Facilities to Partners (Financing
Vendors)
2 29 Agustus 2023 / Penyampaian Laporan Transaksi PT Bank Rakyat BRI sebagai B.426/DIR.01.04/ Transaksi Sinergi bisnis
August 29, 2023 Afiliasi Penandatanganan Perjanjian Indonesia Pemegang Saham CSC/08/2023 bersifat intangible yang saling
Kerja sama antara PT Bank Rakyat (Persero) Tbk Pengendali / BRI menguntungkan berupa
Indonesia (Persero) Tbk dengan PT as Controlling penggunaan Aplikasi Data
Bank Raya Indonesia Tbk tentang Shareholder Watchlist PT Bank Rakyat
Akses Data Watchlist / Submission Indonesia (Persero) Tbk untuk
of Affiliate Transaction Report on mendukung pencegahan APU
Signing of Cooperation Agreement PPT & PPPSPM / This is an
between PT Bank Rakyat Indonesia Intangible business synergy
(Persero) Tbk and PT Bank Raya transaction that is mutually
Indonesia Tbk regarding Watchlist beneficial in the form of using
Data Access the PT Bank Rakyat Indonesia
(Persero) Tbk Data Watchlist
Application to support AML CTF
& PPPSPM
3 18 April 2023 / April Penyampaian Laporan Transaksi PT Bank Rakyat BRI sebagai - Sinergi yang Bersifat intangible
18, 2023 Afiliasi Perjanjian Kerjasama Antara Indonesia Pemegang Saham berupa talent mobility antar
PT Bank Rakyat Indonesia (Persero) (Persero) Tbk Pengendali / BRI BRI Group. Bertujuan untuk
Tbk dengan PT Bank Raya Indonesia as Controlling mendukung pelaksanaan Career
Tbk tentang Carreer Mobility dalam Shareholder Mobility dalam lingkungan
Lingkup BRI Group / Submission BRI Group berdasarkan
of Affiliate Transaction Report on asas kerjasama yang saling
Signing of Cooperation Agreement menguntungkan serta
between PT Bank Rakyat Indonesia membangun sinergi perbankan
(Persero) Tbk and PT Bank Raya sesuai dengan ketentuan yang
Indonesia Tbk regarding Carreer berlaku. / intangible synergies
Mobility within BRI Group. in the form of talent mobility
between the BRI Group. It aims
to build banking synergies based
on the principle of mutually
beneficial cooperation and in
accordance with applicable
regulations and to support the
realization of career mobility
within the BRI Group.
Bank Raya telah memenuhi kewajiban transparansi dan Bank Raya has fulfilled its obligations of transparency and
publikasi kondisi keuangan dan non-keuangan sesuai publication of financial and non-financial conditions in
ketentuan berlaku, melalui penyampaian dan publikasi accordance with applicable regulations, through the delivery
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 511
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
informasi baik melalui media cetak maupun situs web Bank and publication of information both through print media and
sebagaimana berikut ini: the Bank’s website as follows:
1. Laporan Keuangan Bulanan kepada regulator, yang juga 1. Monthly Financial reports to regulators, which are also
dipublikasikan melalui situs web OJK dan Bank; published via the OJK and the Bank’s websites;
2. Laporan Keuangan triwulan kepada regulator, yang juga 2. Quarterly financial reports to regulators, which are also
dipublikasikan melalui media cetak dan situs web Bank; published through print media and the Bank’s website;
3. Laporan tahunan Bank Raya yang disusun dan disajikan 3. Bank Raya’s annual report prepared and presented in
sesuai ketentuan dan disampaikan kepada regulator, accordance with regulations and submitted to regulators,
rating agency, lembaga pengembangan perbankan, rating agencies, banking development institutions,
lembaga/institusi riset dan majalah keuangan dan research institutions and financial magazines and
dipublikasikan melalui situs web Bank; published via the Bank’s website;
4. Informasi tata Kelola perusahaan, yang di antaranya 4. Corporate governance information, which includes the
adalah Laporan tahunan tata Kelola perusahaan, visi, Misi, annual corporate governance report, vision, mission,
nilai perusahaan, Komposisi dan profil Dewan Komisaris company values, composition and profile of the Board
dan Direksi, serta ketentuan internal terkait tata kelola of Commissioners and Board of Directors, as well as
mulai dari Anggaran Dasar hingga piagam Komite-komite internal provisions related to governance starting from
yang juga dipublikasikan melalui situs web Bank; the Articles of Association to the committee charters
which are also published via the Bank’s website;
5. Informasi produk dan Layanan perusahaan, termasuk 5. Information on company products and services, including
jaringan kantor, dipublikasikan melalui Laporan office networks, is published through the Bank’s annual
tahunan dan situs web Bank, agar nasabah, investor report and website, so that customers, investors and the
dan masyarakat luas dapat dengan mudah mengakses wider public can easily access information on the Bank’s
informasi atas produk dan layanan Bank; products and services;
6. Informasi prosedur penyampaian pengaduan, Kebijakan 6. Information on procedures for submitting complaints,
Keamanan Informasi dan tips bagi nasabah dalam Information Security Policy and tips for customers in using
menggunakan layanan perbankan yang dipublikasikan banking services published on the Bank’s website for the
melalui situs web Bank untuk pelaksanaan ketentuan implementation of consumer protection provisions;
perlindungan konsumen;
7. Informasi lainnya yang bertujuan untuk mendukung 7. Other information aimed at supporting information
keterbukaan informasi, edukasi keuangan dan layanan disclosure, financial education and services to the
kepada masyarakat. community.
Selama tahun 2023, Bank telah melaksanakan Keterbukaan Throughtout 2023, the Bank carried out Information
Informasi kepada masyarakat secara elektronik melalui Disclosure to the public electronically through the Electronic
Sistem Pelaporan Elektronik dan IDXnet maupun non Reporting System and IDXnet as well as non-electronically,
elektronik, termasuk pelaporan-pelaporan kepada Regulator including reports to Regulators regarding the Bank’s status
sehubungan status Bank sebagai perusahaan terbuka yang as a public company which is under the authority of the
menjadi kewenangan unit kerja Sekretariat Perusahaan, Corporate Secretariat work unit, including:
meliputi:
Tanggal /
Keterangan / Description
Date
JANUARI / JANUARY
3 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
6 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
9 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
512 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Tanggal /
Keterangan / Description
Date
10 Laporan Penggunaan Dana Hasil Penawaran Umum / Report on the Use of Public Offering Proceeds
10 Laporan Penggunaan Dana Hasil Penawaran Umum / Report on the Use of Public Offering Proceeds
Laporan Penjatahan atas Penambahan Modal Dengan Hak Memesan Efek Terlebih dahulu melalui Penawaran Umum Terbatas / Allotment Report
18
for Additional Capital with Pre-emptive Rights through a Limited Public Offering
FEBRUARI / FEBRUARY
6 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
6 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
MARET / MARCH
2 Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan / Submission of Advertising Evidence of Annual Financial Statements Information
Laporan Informasi atau Fakta Material Laporan Keuangan Tahunan Audit 2022 PT Bank Raya Indonesia Tbk / Information Report or Material Facts
3
of the 2022 Audited Annual Financial Statements of PT Bank Raya Indonesia Tbk
6 Penyampaian Mata Acara Rapat Umum Pemegang Saham Tahunan / Submission of the Agenda of the Annual General Meeting of Shareholders
6 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
7 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
13 Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan / Notification of the Plan for the Annual General Meeting of Shareholders
14 Penyampaian Bukti Iklan Pemberitahuan RUPS / Submission of GMS Notification Advertisement Evidence
28 Pemberitahuan Penundaan Rapat Umum Pemegang Saham Tahunan / Notification of Postponement of Annual General Meeting of Shareholders
Penyampaian Bukti Iklan Ralat Pengumuman Rapat Umum Pemegang Saham Tahunan PT Bank Raya Indonesia Tbk / Submission of
30
Announcement Rectification Advertisement Evidence of Annual General Meeting of Shareholders of PT Bank Raya Indonesia Tbk
APRIL / APRIL
5 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
6 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainya / Requests for clarification from Issuers and Other Public Companies
18 Pemanggilan Rapat Umum Pemegang Saham Tahunan / Summons for the Annual General Meeting of Shareholders
Penyampaian Bukti Iklan pemanggilan Rapat Umum Pemegang Saham Tahunan / Submission of Advertisement Proof of Invitation to the Annual
18
General Meeting of Shareholders
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim yang Tidak Diaudit Triwulan I / Submission of Advertising Evidence of Unaudited
19
Interim Financial Statements Information for the First Quarter
MEI / MAY
4 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
5 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainya / Requests for clarification from Issuers and Other Public Companies
10 Fakta Material Program MESOP Bank Raya d/h BRI Agro (AGRO) / Material Facts of the Bank Raya MESOP Program formerly BRI Agro (AGRO)
12 Ringkasan Risalah Rapat Umum Pemegang Saham Tahunan / Summary of Minutes of Annual General Meeting of Shareholders
Penyampaian Bukti Iklan Ringkasan Risalah RUPST Bank Raya / Submission of Advertisement Proof of Summary of Minutes of Annual General
12
Meeting of Shareholders of Bank Raya
24 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainya / Requests for clarification from Issuers and Other Public Companies
JUNI / JUNE
5 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
7 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainya / Requests for clarification from Issuers and Other Public Companies
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 513
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tanggal /
Keterangan / Description
Date
JULI / JULY
3 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
4 Laporan Bulanan Registrasi Pemegang Efek (Koreksi) / Monthly Report of Securities Holders Registration (Corrected)
4 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainya / Requests for clarification from Issuers and Other Public Companies
6 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainya / Requests for clarification from Issuers and Other Public Companies
Laporan Informasi atau Fakta Material Pengunduran Diri Komisaris Independen / Information Report or Material Facts on Resignation of
12
Independent Commissioners
13 Laporan Penggunaan Dana Hasil Penawaran Umum / Report on the Use of Proceeds from the Public Offering
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim yang Tidak Diaudit Triwulan II / Submission of Advertising Evidence of Unaudited
31
Interim Financial Statements Information for the Second Quarter
31 Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim / Submission of Advertising Evidence of Interim Financial Statements Information
AGUSTUS / AUGUST
4 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
21 Penyampaian Mata Acara RUPSLB Bank Raya / Submission of Bank Raya EGMS Agenda
26 Pemberitahuan Rencana RUPSLB Bank Raya / Notification of Bank Raya EGMS Plans
28 Penyampaian Bukti Iklan Pemberitahuan RUPSLB / Submission of Advertisement Evidence for EGMS Notification
29 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
SEPTEMBER / SEPTEMBER
5 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
11 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
12 Penyampaian Bukti Iklan Pemanggilan RUPS / Submission of Advertising Evidence for Invitation to the GMS
OKTOBER / OCTOBER
4 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
5 Ringkasan Risalah RUPSLB Bank Raya / Summary of Minutes of Bank Raya EGMS
5 Penyampaian Bukti Iklan Hasil RUPS / Submission of Advertising Evidence of GMS Results
5 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
9 Laporan Perubahan Anggaran Dasar Bank Raya / Statement of Changes in the Articles of Association of Bank Raya
9 Permintaan Penjelasan Emiten dan Perusahaan Publik Lainnya / Requests for clarification from Issuers and Other Public Companies
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim yang Tidak Diaudit Triwulan III / Submission of Evidence of Advertisement
30
Information on Unaudited Interim Financial Reports for Quarter III
NOVEMBER / NOVEMBER
3 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
24 Penyampaian Materi Public Expose - Tahunan / Submission of Annual Public Expose Materials
514 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Tanggal /
Keterangan / Description
Date
DESEMBER / DECEMBER
4 Laporan Bulanan Registrasi Pemegang Efek / Monthly Report of Securities Holders Registration
4 Laporan Hasil Public Expose - Tahunan / Annual Public Expose Result Report
Implementasi prinsip transparansi dilakukan oleh Bank Bank Raya implements the principle of transparency
Raya dalam menjalankan operasional usaha. Bank Raya in carrying out business operations. Bank Raya views
memandang keterbukaan informasi dan penyampaian information disclosure and the delivery of comprehensive
informasi yang komprehensif merupakan bagian dari hak information as part of stakeholder rights.
pemangku kepentingan.
Hal tersebut dilakukan untuk memberikan kemudahan akses This is done to provide easy access to stakeholders. Bank
kepada para pemangku kepentingan. Akses informasi dan Raya information and data can be accessed through:
data Bank Raya dapat diakses melalui:
Website : www.bankraya.co.id Website : www.bankraya.co.id
Telepon : (021) 50931300 Telepon : (021) 50931300
Call Center : 1500 494 Call Center : 1500 494
Email : humas@bankraya.co.id Email : humas@bankraya.co.id
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 515
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Agenda Kegiatan Bank memiliki berbagai kegiatan yang 2. The Bank’s Activity Agenda has various periodic and
bersifat berkala maupun tertentu, diselenggarakan dan specific activities, organized and promoted by Corporate
dipromotori oleh Corporate Secretary yang mengelola Secretary which manages the flow of activities for each
alur kegiatan setiap event dari awal hingga akhir. Event event from start to finish. The event was attended by
tersebut dihadiri oleh internal karyawan Bank maupun internal Bank employees and external parties, such as
pihak eksternal bank, seperti Pemegang Saham dan Shareholders and customers. Events organized by the
nasabah. Di tahun 2023, Bank telah menyelenggarakan Bank in 2023 are as follows:
event di antaranya:
No Kegiatan / Activity Tanggal / Date
1. Rakernas Bank Raya 2023 / Bank Raya National Working Meeting 2023 27 Januari 2023 / January 27, 2023
17. Launching Logo Baru Bank Raya / Launching the New Bank Raya Logo 8 November 2023 / November 8, 2023
29 November 2023 / November 29,
18. Public Expose (PUBEX 2023)
2023
12 Desember 2023 / December 12,
19. Media Visit Bisnis Indonesia
2023
516 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 517
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Di tahun 2023, eksposur media yang dilakukan Bank In 2023, Bank Raya’s media exposure, both in the form of
Raya baik yang berupa iklan maupun siaran pers adalah advertisements and press releases, is as follows:
sebagai berikut:
518 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 519
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
520 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Iklan Advertisement
No Iklan / Advertisement Tanggal / Date Media
06 Januari 2023 /
1. Iklan Pengumuman SBDK / SBDK Announcement Advertisement INVESTOR DAILY
January 06, 2023
Iklan Pengumuman tutup Cabang / Advertisement on Branch Closing 01 Maret 2023 /
2. TRIBUN MEDAN
Announcement March 01, 2023
02 Maret 2023 /
3. Iklan Laporan Keuangan / Financial Statements Advertisement INVESTOR DAILY
March 02, 2023
13 Maret 2023 /
4. Iklan Pengumuman RUPST / AGMS Announcement Advertisement INVESTOR DAILY
March 13, 2023
Iklan Pengumuman tutup Cabang / Advertisement on Branch Closing 20 Maret 2023 /
5. WARTA KOTA
Announcement March 20, 2023
Iklan Pengumuman tutup Cabang / Advertisement on Branch Closing 20 Maret 2023 /
6. HARIAN KONTAN
Announcement March 20, 2023
Iklan Pengumuman Ralat RUPST / Advertisement on AGMS Announcement 28 Maret 2023 /
7. INVESTOR DAILY
Rectification March 28, 2023
05 April 2023 /
8. Iklan Pengumuman SBDK / SBDK Announcement Advertisement HARIAN KONTAN
April 05, 2023
06 April 2023 /
9. Iklan Pengumuman Operasional / Operational Announcement Advertisement KORAN JAKARTA
April 06, 2023
18 April 2023 /
10. Iklan Pemanggilan RUPST / Advertisement for Invitation to AGMS INVESTOR DAILY
April 18, 2023
01 Mei 2023 /
11. Iklan Piutang / Receivables Advertisement MAJALAH PERBANAS
May 01, 2023
Iklan Pengumuman Hasil RUPST / Advertisement on Announcement of AGMS 12 Mei 2023 /
12. INVESTOR DAILY
Results May 12, 2023
15 Mei 2023 /
13. Iklan Pindah Alamat / Advertisement on Change of Address INVESTOR DAILY
May 15, 2023
23 Juni 2023 /
14. Iklan Pengumuman Operasional / Operational Announcement Advertisement KORAN JAKARTA
June 23, 2023
06 Juli 2023 /
15. Iklan Pengumuman SBDK / SBDK Announcement Advertisement HARIAN KONTAN
July 06, 2023
Iklan Pengumuman tutup Cabang / Advertisement on Branch Closing 18 Juli 2023 /
16. RADAR JEMBER
Announcement July 18, 2023
Iklan Pengumuman Pemanggilan RUPSLB / Advertisement on Announcement 11 September 2023 /
17. INVESTOR DAILY
of Invitation to EGMS September 11, 2023
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 521
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
DIGITAL ADS
Penayangan Billboard/LED pada tahun 2023 adalah hasil The billboard/LED broadcast in 2023 resulted from
sinergi dengan BRI melalui kolaborasi dalam pemanfaatan synergy with BRI through collaboration in the 7 (seven)
7 (tujuh) titik billboard/LED yang tayang pada Agustus- billboard/LED points usage broadcasted in August-
November 2023. November 2023.
Titik Lokasi Out of Home (OOH) Tahun 2023 Out of Home (OOH) Location Points in 2023
Lokasi / Location Trafik/Bulan / Traffic/Month Periode Tayang / Broadcast Period
522 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Setiap informasi yang disampaikan oleh juru bicara Any information delivered by a company spokesperson
perusahaan merupakan informasi resmi dari perusahaan. is official information from the company. Company
Juru bicara Perusahaan adalah: spokespersons are:
1. Direktur utama; 1. President Director;
2. Direksi; 2. Directors;
3. Kepala Divisi Corporate Secretary (Divisi CSC). 3. Head of Corporate Secretary Division (CSC Division).
Di luar jabatan tersebut, beberapa pejabat juga diberikan Apart from these positions, several officials are also given
kewenangan untuk memberikan informasi kepada pihak yang the authority to provide information to interested parties,
berkepentingan, namun memiliki lingkup terbatas. Pejabat but this has a limited scope. The officials in question are as
yang dimaksud adalah: follows:
1. Kepala divisi mempunyai kewenangan untuk memberikan 1. The division head has the authority to provide information
informasi kepada pihak yang berkepentingan namun to interested parties but is limited to the area of his/her
terbatas pada bidang unit kerjanya; work unit;
2. Pemimpin cabang mempunyai kewenangan untuk 2. The branch manager has the authority to provide
memberikan informasi kepada pihak yang berkepentingan information to interested parties but is limited to the
namun terbatas pada bidang unit kerjanya dan wilayah field of his/her work unit and the work area for which
kerja yang menjadi tanggung jawabnya. Penyampaian he is responsible. Submission of information must pay
informasi harus memperhatikan ketentuan dan attention to the provisions and laws that apply to banking,
perundangan yang berlaku untuk perbankan, pasar modal capital markets and consumers. Management of general
dan konsumen. Pengelolaan informasi yang sifatnya information that can be conveyed to the public, except:
umum dapat disampaikan kepada publik, kecuali:
a) Berita negatif Perusahaan; a) Negative Company news;
b) Informasi yang melanggar ketentuan sebagai b) Information that violates the provisions as a public
perusahaan terbuka; company;
c) Informasi yang menyangkut kerahasiaan bank yang c) Information relating to bank confidentiality as
diatur oleh perundang-undangan. regulated by law.
Ketersediaan data dan akses informasi bank membuat The availability of data and access to bank information makes
ketersediaan data dan informasi berdasarkan data center data and information available based on data centers that can
yang dapat diakses oleh setiap karyawan. Bank juga be accessed by every employee. The Bank also provides data
menyediakan data dan informasi melalui situs web, webmail and information through websites and webmail which can
yang dapat diakses oleh pihak-pihak terkait misalnya be accessed by related parties such as customers, partners,
pelanggan, mitra, dan umum. and the public.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 523
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank berkomitmen untuk melaksanakan prinsip keterbukaan, The Bank is committed to implementing the principle of
untuk itu bank selalu menyampaikan informasi melalui situs transparency, for this reason the Bank always delivers
web bank, yaitu www.bankraya.co.id. Selain itu, bank juga information via the bank’s website, www.bankraya.co.id. Apart
menyampaikan perkembangan dan kemajuan mengenai from that, the Bank also conveys developments and progress
informasi material dan keterbukaan informasi yang perlu regarding material information and information disclosure
diketahui publik secara teratur kepada Bursa Efek Indonesia that the public needs to know regularly to the Indonesian Stock
dan Otoritas Jasa Keuangan sesuai dengan peraturan pasar Exchange and the Financial Services Authority in accordance
modal yang berlaku. with applicable capital market regulations.
Email investor.relation@bankraya.co.id
RAGAM MEDIA BANK KEPADA PEMEGANG SAHAM DAN VARIETY OF BANK MEDIA TO SHAREHOLDERS AND
PEMANGKU KEPENTINGAN STAKEHOLDERS
Pemangku Kepentingan Media
Pemegang saham / Shareholders Rapat Umum Pemegang Saham, Public Expose / General Meeting of Shareolders, Public Expose
Konsumen / Consumer Call Center, Media Sosial / Call Center, Social Media
524 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
PERKARA HUKUM
Legal Case
Di tahun 2023, terdapat 49 (empat puluh sembilan) Laporan In 2023, the total number of cases currently in process as of
Perkara Hukum yang sedang diproses pada posisi Desember December 2023 were 49 (forty-nine).
2023.
SANKSI ADMINISTRATIF
Administrative Sanctions
Di tahun 2023, Bank Raya mendapatkan sanksi administratif In 2023, Bank Raya received administrative sanctions from
dari Regulator. Namun demikian sanksi administratif the regulator. However, these administrative sanctions are
tersebut bersifat non material, sehingga tidak memberikan non-material, so they do not impact on Bank Raya’s financial
dampak terhadap kinerja keuangan maupun kinerja performance or operational performance. Going forward,
operasional Bank Raya. Selanjutnya untuk ke depannya Bank Bank Raya is committed to complying with all forms of
Raya berkomitmen memenuhi segala bentuk regulasi dan regulations and submitting reports in a timely manner.
penyampaian laporan secara tepat waktu.
KODE ETIK
Code of Conduct
Kode etik dan perilaku menjadi pedoman semua pihak di The code of conduct and behavior serves as a guide for all
perusahaan dalam menjalankan kegiatan usaha maupun parties in the Company in carrying out business activities
operasi secara beretika dan berintegritas. Kode etik dan and operations ethically and with integrity. The code of
perilaku bersifat dinamis, dan senantiasa diperbaharui agar conduct and behavior is dynamic, and is constantly updated
selaras dengan perkembangan regulasi, norma serta bisnis to be in line with developments in regulations, norms and the
Perusahaan. Company’s business.
Sejak tahun 2011, kode etik perseroan PT Bank Raya Since 2011, the code of conduct of PT Bank Raya Indonesia
Indonesia Tbk mulai diberlakukan sebagai pedoman, tata Tbk has been implemented as guidelines, ethical procedures
cara etis, dan pola aturan yang berlaku di dalam setiap and a pattern of rules that apply in every operational activity
kegiatan operasional perseroan. Kode etik bagi seluruh of the Company. The code of conduct for all workers and
pekerja dan pejabat manajemen berlaku wajib dipahami, management officials must be understood, complied with,
ditaati dan dilaksanakan. Perseroan juga memutakhirkan and implemented. The Company also updated the policy
kebijakan mengenai Kode Etik Bank di dalam Lampiran Surat regarding the Bank’s Code of Conduct in the Attachment
Keputusan Direksi PT Bank Raya Indonesia Tbk. No.Kpts. to the Decree of the Board of Directors of PT Bank Raya
B.616/DIR.01.02/OJL/11/2021 tanggal 15 November 2021 Indonesia Tbk. No. Kpts.B.616/DIR.01.02/OJL/11/2021 dated
tentang Kebijakan Kode Etik Bank. November 15, 2021 concerning Bank Code of Conduct Policy.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 525
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Visi, Misi dan Budaya Kerja Bank sebagai Landasan Kode Vision, Mission and Work Culture of the Bank as the
Etik Foundation of the Code of Conduct
Visi dan Misi Budaya Kerja Bank Kode Etik sebagai Panduan
Bank Work Culture Vision and Mission Code of Ethics as a Guide
Penyusunan kode etik Bank Raya dilandasi pada Visi, Misi The preparation of Bank Raya’s code of conduct is based
dan Budaya Kerja Bank yang merupakan arah dan tujuan on the Bank’s Vision, Mission and Work Culture, which are
pengembangan Bank secara berkelanjutan. Sebagai bagian the direction and objectives of the Bank’s sustainable
upaya membangun lingkungan kerja yang kondusif dan development. As part of efforts to build a favorable work
etika kerja yang produktif, Bank terus melakukan beberapa environment and productive work ethics, the Bank continues
inisiatif untuk membentuk budaya kerja yang positif. Budaya to carry out several initiatives to establish a positive work
kerja yang dimiliki Bank berisi nilai-nilai, norma-norma dan culture. The Bank’s work culture contains values, norms
kebiasaan yang mempengaruhi pemikiran, tingkah laku, dan and habits that influence the thinking, behavior and way
cara kerja karyawan dan manajemen, yang bermuara pada of working of employees and management, which leads to
peningkatan kualitas kinerja Bank. improving the quality of the Bank’s performance.
Isi kode etik pekerja Bank juga tercantum dalam Perjanjian The contents of the Bank’s employee code of conduct are
Kerja Bersama (PKB) yang dirumuskan pada 24 Agustus 2022. also contained in the Collective Labor Agreement (CLA)
which was formulated on August 24, 2022.
526 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Pengungkapan Kepatuhan Kode Etik Berlaku Bagi Seluruh Disclosure of Compliance with the Code of Conduct Applies
Level Organisasi to All Levels of the Organization
Kode etik Bank harus dipatuhi oleh seluruh anggota Dewan The Bank’s code of conduct must be adhered to by all
Komisaris, anggota Direksi, anggota Komite, pekerja tetap, members of the Board of Commissioners, members of
pekerja kontrak serta tenaga outsourcing. Sesuai dengan the Board of Directors, Committee members, permanent
ketentuan yang berlaku insan Bank wajib mematuhi dan workers, contract workers and outsourced workers. In
melaksanakan kode etik Bank, serta menandatangani accordance with applicable regulations, Bank personnel
komitmen pada surat pernyataan Kepatuhan terhadap kode are required to comply with and implement the Bank’s code
etik Bank Raya. of conduct, as well as sign a commitment in a statement of
compliance with Bank Raya’s code of ethics.
Sosialisasi dan Penyebarluasan Kode Etik Socialization and Dissemination of the Code of Conduct
Kegiatan sosialisasi kode etik dilakukan dengan Dissemination of the code of conduct was carried out by
penandatanganan Pernyataan Kepatuhan terhadap Kode signing a Statement of Compliance with the Code of Conduct
Etik oleh Direksi, Dewan Komisaris dan Seluruh Pekerja Bank by the Directors, Board of Commissioners and all employees
Raya. Selain itu, Bank juga melakukan sosialisasi kode etik of Bank Raya. Apart from that, the Bank also disseminates the
melalui Training/ Pendidikan kepada Pekerja, baik di Kantor code of conduct through training/education to employees,
Pusat maupun di Kantor Cabang/Kantor Cabang Pembantu/ both at the Head Office and at Branch Offices/Sub-Branch
Kantor Kas. Offices/Cash Offices.
Sanksi Pelanggaran Kode Etik Sanctions for Violating the Code of Conduct
Bank Raya bersikap tegas kepada pekerja yang melakukan Bank Raya takes a firm stance against employees who
pelanggaran dengan pengawasan penerapan kode etik commit violations by monitoring the implementation of
perseroan yang merupakan kerja sama dari beberapa divisi the Company’s code of conduct, which is a collaboration
dalam perseroan, antara lain Divisi Human Capital, Satuan between several divisions within the Company, including the
Kerja audit Intern dan Divisi Legal & Compliance. Human Capital Division, Internal Audit Work Unit and Legal &
Compliance Division.
Divisi Human Capital membuat daftar pelanggaran dan The Human Capital Division prepares a list of violations and
bertanggung jawab memberitahukan kepada pihak yang is responsible for notifying the authorized parties regarding
diberikan wewenang atas setiap pelanggaran yang terjadi every violation that occurs within a certain period of time
dalam kurun waktu tertentu dan Direksi telah mengeluarkan and the Board of Directors has issued a decree regarding
surat keputusan berkaitan dengan pelanggaran dan proses violations and the process of giving penalties as follows:
pemberian hukuman sebagai berikut:
1. Berlaku s.d. 29 Januari 2023 : 1. Valid until January 29, 2023
• SK Direksi No. Kpts. 14/DIR.02.04/MSDM/VII/2012 • Board of Directors Decree No. Kpts. 14/DIR.02.04/
tanggal 31 Juli 2012 tentang peraturan Disiplin; MSDM/VII/2012 dated July 31, 2012 on Disciplinary
regulations;
• SK Direksi No. Kpts. R.25/DIR.01.02/MSDM/XI/2015 • Board of Directors Decree No. Kpts. R.25/
tanggal 18 November 2015 tentang ralat Ketentuan DIR.01.02/MSDM/XI/2015 dated November 18, 2015
proses pemberian Hukuman Disiplin; on amendments to the provisions for imposing
Disciplinary Sanction;
• SK Direksi No. Kpts. 57/DIR.01.02/MSDM/XII/2015 • Board of Directors Decree No. Kpts. 57/DIR.01.02/
tanggal 31 Desember 2015 tentang pengaturan MSDM/XII/2015 dated December 31, 2015 on re-
Kembali Mengenai tindakan atas pelanggaran Disiplin regulation regarding actions for Light Category
Kategori ringan Beserta Implikasinya dan Matriks tata Disciplinary Violations and Their Implications and
tertib Hukuman Disiplin. Disciplinary Punishment Matrix.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 527
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Berlaku tmt. 30 Januari 2023 s.d. sekarang : Pedoman 2. Valid from January 30, 2023 – present: Guidelines No.SE.
Pelaksanaan No.SE. B.07B/Dir.02.05/PCP/01/2023 B.07B/Dir.02.05/PCP/01/2023 dated January 30, 2023 on
tanggal 30 Januari 2023 tentang Peraturan Disiplin Bank Bank Raya Disciplinary Regulations
Raya.
Mekanisme Sanksi Pelanggaran Kode Etik Sanction Mechanism for Violating the Code of Conduct
Berikut adalah matriks tata tertib pemberian hukuman dan The following is a matrix of rules for imposing penalties and a
tabel jenis sanksi dan implikasi yang diterapkan di Bank Raya: table of types of sanctions and implications applied at Bank
Raya:
1. SK Direksi No. Kpts. 14/DIR.02.04/MSDM/VII/2012 tanggal 1. Board of Directors Decree No. Kpts. 14/DIR.02.04/MSDM/
31 Juli 2012 tentang peraturan Disiplin; SK Direksi No. VII/2012 dated July 31, 2012 on Disciplinary regulations;
Kpts. R.25/DIR.01.02/MSDM/XI/2015 tanggal 18 November Board of Directors Decree No. Kpts. R.25/DIR.01.02/
2015 tentang ralat Ketentuan proses pemberian Hukuman MSDM/XI/2015 dated November 18, 2015 on amendments
Disiplin; SK Direksi No. Kpts. 57/DIR.01.02/MSDM/ to the provisions for imposing Disciplinary Sanction;
XII/2015 tanggal 31 Desember 2015 tentang pengaturan Board of Directors Decree No. Kpts. 57/DIR.01.02/MSDM/
Kembali Mengenai tindakan atas pelanggaran Disiplin XII/2015 dated December 31, 2015 on re-regulation
Kategori ringan Beserta Implikasinya dan Matriks tata regarding actions for Light Category Disciplinary
tertib Hukuman Disiplin (berlaku s.d. 29 Januari 2023). Violations and Their Implications and Disciplinary
Punishment Matrix (vuntil January 29, 2023).
JENIS PELANGGARAN PELANGGARAN TATA TERTIB & PEMBINAAN TEGURAN LISAN/ SURAT
DISIPLIN ADMINISTRATIF TEGURAN/PERINGATAN 1/2/3
Types of Discipline Violation of Order & Development of Oral Recommendations/
Violations Administrative Order Reprimand/ Warnings 1/2/3
HUKUMAN DISIPLIN
PELANGGARAN Disciplinary Punishment
FUNDAMENTAL
Fundamental Violations a. Penundaan kenaikan upah maks. selama 1 tahun; / Delay of
wage increase for 1 year at maximum;
b. Penundaan kenaikan pangkat maks. selama 1 tahun; / Max
promotion delay for 1 year at maximum;
c. Penurunan jabatan maks. selama 1 tahun; / Demotion for 1
year at maximum;
d. Penurunan pangkat 1 tingkat maks. selama 1 tahun; /
Demotion of 1 level for 1 year at maximum;
e. Penundaan kenaikan pangkat maks. selama 2 tahun; /
Promotion delay for 2 years at maximum;
f. Penundaan kenaikan pangkat maks. selama 2 tahun. /
Promotion delay for 2 years at maximum.
528 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Peraturan Disiplin
Jenis-jenis Pelanggaran Displin Hukuman Displin
Pelanggaran Tata Tertib Bentuk Pembinaan
Perbuatan yang menggangu
ketertiban dan/atau kelancaran
pelaksanaan tugas/pekerjaan
1. Teguran Lisan
2. Surat Pembinaan
3. Peringatan Tertulis
Pelanggaran Etika dan Reputasi 4. Teguran Tertulis
Perbuatan pelanggaran terhadap
kode etik dan perilaku yang bersikap
negatif pada reputasi Perusahaan
Bentuk Hukuman
Jabatan
Pelanggaran Fundamental
Perbuatan pelanggaran terhadap
1. Turun Jabatan 1 (TJ 1)
sistem perbankan (termasuk tetapi 2. Turun Jabatan 2 (TJ 2)
tidak terbatas pada pelanggaran 3. Pemutusan Hubungan
peraturan perundang-undangan Kerja (PHK)
yang berlaku
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 529
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
530 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 531
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bentuk
Jenis
Hukuman
Hukuman Keterangan / Implikasi /
No Disiplin / Form
/ Type of Description Implication
of Disciplinary
Sanction
Sanction
2 Bentuk Turun Turun Jabatan adalah hukuman jabatan yang dapat 1. Golongan Jabatan (Job Grade) yang baru menjadi lebih rendah
Hukuman Jabatan I diberikan kepada Pekerja, apabila : / Demotion is a 1 (satu) Golongan Jabatan dari sebelum diberikan hukuman
Jabatan / / 1-Level position penalty that can be given to employees if: jabatan Turun Jabatan; / New Job Grade is 1 (one) level lower than
Position Demotion 1. Pekerja melakukan Pelanggaran Etika dan the previous undemoted position is given;
Penalty Reputasi Sedang; atau / The employee commits 2. Golongan Pekerja (Person Grade) yang baru menjadi lebih rendah
moderate ethical and reputational violations; or 1 (satu) Golongan Pekerja dari sebelum diberikan hukuman Turun
2. Pekerja melakukan Pelanggaran Fundamental Jabatan; / New Person Grade is 1 (one) level lower than the
dengan Kategori II. / The employee commits a previous undemoted position is given;
Fundamental Violation in Category II. 3. Penilaian kinerja Pekerja Ybs. pada tahun penjatuhan hukuman
jabatan dikenakan pinalty sebesar 0,75 (nol koma tujuh-lima);
/ Performance assessment of the employee in the year the
position is sentenced a penalty of 0.75 (zero point seven-five);
4. Upah Pokok ditetapkan menjadi sebesar 85% dari Upah Pokok
semula; / Basic Wage is set at 85% of the original Basic Wage;
5. Pekerja Ybs. tidak dapat dipromosikan dan/atau dilakukan
kenaikan Person Grade termasuk mengikuti kegiatan
assessment dalam rangka pengembangan karier selama 1 (satu)
tahun terhitung mulai tanggal ditetapkannya Masa Penundaan
Promosi; / The employee cannot be promoted and/or increase
in Person Grade including taking part in assessment activities in
the context of career development for 1 (one) year starting from
the date the Promotion Delay Period is determined;
6. Masa Penundaan Promosi ditetapkan terhitung mulai tanggal
Putusan Komite Etik dan Disiplin. Dalam hal proses penjatuhan
Hukuman Disiplin Pelanggaran Fundamental melebihi jangka
waktu yang telah ditetapkan, maka Masa Penundaan Promosi
dimulai 75 (tujuh puluh lima) hari kerja sejak dibentuknya Tim
Pemeriksa. / The Promotion Delay Period is determined from
the date of the Ethics and Discipline Committee Decision. In the
event that the process of imposing Disciplinary Punishments for
Fundamental Violations exceeds the specified time period, the
Promotion Suspension Period begins 75 (seventy five) working
days from the formation of the Examination Team.
Turun Turun Jabatan adalah hukuman Jabatan yang dapat 1. Golongan Jabatan (Job Grade) yang baru menjadi lebih rendah 2
Jabatan II diberikan kepada Pekerja, apabila : / Demotion is a (dua) Golongan Jabatan dari sebelum diberikan hukuman Turun
/ 2-Level position penalty that can be given to employees if: Jabatan; / New Job Grade is 2 (two) level lower than the previous
Demotion 1. Pekerja melakukan Pelanggaran Etika dan undemoted position is given;
Reputasi Sedang; atau / The employee commits 2. Golongan Pekerja (Person Grade) yang baru menjadi lebih rendah
moderate ethical and reputational violations; or 2 (dua) Golongan Pekerja dari sebelum diberikan hukuman Turun
2. Pekerja melakukan Pelanggaran Fundamental Jabatan; / New Person Grade is 2 (two) level lower than the
dengan Kategori II. / The employee commits a previous undemoted position is given;
Fundamental Violation in Category II. 3. Penilaian kinerja Pekerja Ybs. pada tahun penjatuhan hukuman
jabatan dikenakan pinalty sebesar 1 (satu). / Performance
assessment of the employee in the year the position is sentenced
a penalty of 1 (one);
4. Upah Pokok ditetapkan menjadi sebesar 80% dari Upah Pokok
semula. / Basic Wage is set at 80% of the original Basic Wage;
5. Pekerja Ybs. tidak dapat dipromosikan dan/atau dilakukan
kenaikan Person Grade termasuk mengikuti kegiatan
assessment dalam rangka pengembangan karier selama 2 (dua)
tahun terhitung mulai tanggal ditetapkannya Masa Penundaan
Promosi. / The employee cannot be promoted and/or increase
in Person Grade including taking part in assessment activities in
the context of career development for 1 (one) year starting from
the date the Promotion Delay Period is determined;
6. Masa Penundaan Promosi ditetapkan terhitung mulai tanggal
putusan Komite Etik dan Disiplin. Dalam hal proses penjatuhan
Hukuman Disiplin Pelanggaran Fundamental melebihi jangka
waktu yang telah ditetapkan, maka Masa Penundaan Promosi
dimulai 75 (tujuh puluh lima) hari kerja sejak dibentuknya Tim
Pemeriksa. / The Promotion Delay Period is determined from
the date of the Ethics and Discipline Committee Decision. In the
event that the process of imposing Disciplinary Punishments for
Fundamental Violations exceeds the specified time period, the
Promotion Suspension Period begins 75 (seventy five) working
days from the formation of the Examination Team.
Pemutusan Pemutusan Hubungan Kerja (PHK) adalah sanksi
Hubungan Pelanggaran Disiplin yang dapat dijatuhkan kepada
Kerja (PHK) / Pekerja, apabila Pekerja melakukan Pelanggaran
Termination Fundamental dengan Kategori III. / Termination
of of Employment Relations (PHK) is a disciplinary
Employment sanction imposed on employee committing
fundamental violation in Category III.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Total 3
Catatan: / Notes:
*) Terhadap dugaan Pelanggaran Disiplin yang masih dalam proses penjatuhan Hukuman Disiplin (Tim Pemeriksa dibentuk sebelum tanggal berlakunya Pedoman Pelaksanaan ini),
maka Proses penjatuhan Hukuman Disiplin tetap berpedoman pada Surat Keputusan Direksi No. Kpts.14/Dir.02.04/MSDM/VII/2012 tentang Peraturan Disiplin./ or alleged Disciplinary
Violations currently undergoing process of imposing Disciplinary Punishments (the Examination Team formed before the effective date of new Guidelines), the imposing of Disciplinary
Punishments still refer to Board of Directors Decree No. Kpts.14/Dir.02.04/MSDM/VII/2012 pm Disciplinary Regulations.
Total 23
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya berkomitmen menjalankan perusahaan secara Bank Raya is committed to running the company
profesional dengan berlandaskan pada perilaku perusahaan professionally based on company behavior that is in
yang sesuai dengan kode etik dan budaya kerja. Bank telah accordance with the code of conduct and work culture. The
memiliki Sistem Pelaporan Pelanggaran atau Whistleblowing Bank has a Violation Reporting System or Whistleblowing
System (WBS) yang dikelola dengan baik. Hal ini dilakukan System (WBS) which is properly managed. This is carried out
untuk meningkatkan efektivitas penerapan GCG, dan to increase the effectiveness of GCG implementation and
mewujudkan tata kelola perusahaan yang baik. realize good corporate governance.
WBS merupakan perangkat yang dirancang untuk WBS is a tool designed to provide a channel for complaints
memberikan saluran terkait pengaduan pelanggaran yang of violations that prioritizes confidentiality of the identity
mengedepankan kerahasiaan identitas pelapor dan jaminan of the reporter and security guarantees for the reporter,
keamanan bagi pelapor, baik dari internal maupun eksternal. both internally and externally. Regulators have encouraged
Regulator telah mendorong pengelolaan WBS secara mandiri independent WBS management within business entity
dalam tubuh organisasi entitas usaha, dengan tujuan organizations, with the aim of creating independence in
menciptakan independensi penanganan pengaduan. handling complaints.
Implementasi WBS dilakukan untuk menciptakan iklim yang WBS implementation is carried out to create a favorable
kondusif dan mendorong pelaporan terhadap hal-hal yang climate and encourage reporting of things that can cause
dapat menimbulkan kerugian finansial maupun non finansial, financial and non-financial losses, including things that can
termasuk hal-hal yang dapat merusak citra organisasi. damage the organization’s image.
Dasar Hukum dan Kebijakan Whistleblowing System Legal Basis and Policy of the Whistleblowing System
Bank Raya telah membuat kebijakan mengenai sistem Bank Raya has created a policy regarding the Whistleblowing
pelaporan pelanggaran dan telah dituangkan ke dalam Surat System and has stated it in Board of Directors Letter No.
Direksi No. Kpts. No. 01/DIR.02.04/SKAI/VI/2012 tanggal 4 Kpts. No. 01/DIR.02.04/SKAI/VI/2012 dated June 4, 2012
Juni 2012 tentang pedoman Sistem pelaporan pelanggaran concerning guidelines for the Whistleblowing System, which
Whistleblowing System diperbaharui terakhir sesuai Surat was last updated in accordance with Board of Directors
Keputusan Direksi No. Kpts.B.359/DIR.01.02/ OJL/08/2021 Decree No. Kpts.B.359/DIR.01.02/ OJL/08/2021 dated August
tanggal 5 Agustus 2021 tentang Kebijakan Sistem Pelaporan 5, 2021 concerning Whistleblowing System Policy.
Pelanggaran (Whistleblowing System).
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Pelapor dapat memberikan informasi tambahan apabila The reporter can provide additional information if requested
diminta untuk kelengkapan informasi awal indikasi to complete the initial information indicating a violation.
pelanggaran.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam menjalankan tugasnya, pengelola WBS dibantu In carrying out their duties, the WBS manager is assisted by
oleh PIC WBS yang mempunyai kompetensi dan integritas a WBS PIC who has sufficient competence and integrity to
yang memadai untuk menjalankan aktivitas harian WBS. carry out daily WBS activities. The appointment of the WBS
penunjukan/pengangkatan PIC WBS dilakukan oleh pengelola PIC is carried out by the WBS manager.
WBS.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
7. Dalam hal oleh karena tingkat signifikansinya, Laporan 7. In the event that due to the level of significance, the
tindakan pelanggaran yang disampaikan terbukti violation report submitted is proven not to require a
tidak memerlukan tim pemeriksa secara khusus maka special inspection team, then handling the follow-up
penanganan tindak lanjut atas pelanggaran tersebut action for the violation is delegated to the relevant official
didelegasikan kepada pejabat terkait yang memiliki who has the authority to make improvements;
kewenangan untuk melakukan perbaikan;
8. Terlapor yang terbukti melakukan pelanggaran akan 8. Reported parties who are proven to have committed
diberikan sanksi sesuai dengan ketentuan yang berlaku; violations will be given sanctions in accordance with
applicable regulations;
9. PIC Whistleblowing system menyiapkan laporan secara 9. PIC of Whistleblowing system prepares regular reports on
berkala atas semua pelaporan pelanggaran termasuk all reported violations including the progress of follow-up
progres tindak lanjutnya kepada pengelola WBS; to the WBS manager;
10. Kepada pelapor diberikan hak untuk memantau 10. The reporter is given the right to monitor the progress
perkembangan tindak lanjut tindakan pelanggaran yang of the follow-up to the violation he/she reports via the
dilaporkannya melalui saluran telepon dan email yang telephone and e-mail channels provided;
disediakan;
11. Pelapor yang menyampaikan laporan pelanggaran dengan 11. Reporters who submit violation reports using the means
sarana yang telah ditetapkan seperti tersebut di atas specified above can obtain information on the progress
dapat memperoleh informasi progres penanganan tindak of handling follow-up actions on violation information
lanjut atas informasi pelanggaran yang disampaikan submitted in the WBS no later than 30 (thirty) working
dalam WBS paling lambat 30 (tiga puluh) hari kerja days after the report is received and information on
setelah laporan diterima dan informasi hasil penyelidikan the results of the investigation within a maximum of 3
maksimal 3 (tiga) bulan setelah ditetapkan dilakukan (three) months after it was determined that an inquiry/
penyelidikan/investigasi oleh pihak yang ditunjuk investigation was carried out by the party appointed to
penanggung jawab WBS. be responsible for the WBS.
Bank Raya memberikan pelayanan terbaik kepada seluruh Bank Raya provides the best service to all customers. This
nasabah. Pelayanan tersebut menjadi sebuah komitmen service is Bank Raya’s commitment to continuously provide
Bank Raya untuk terus memberikan layanan terbaik kepada the best service to all customers. Apart from that, Bank
seluruh nasabah. Selain itu, Bank Raya memiliki kebijakan Raya has policies regarding customers. Bank Raya provides
terkait nasabah. Bank Raya menyediakan saluran informasi information channels that can be accessed by customers,
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 537
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
yang dapat diakses oleh Nasabah, dan memudahkan Nasabah and facilitate customers to find information related to Bank
mencari informasi terkait produk-produk Bank Raya. Saluran Raya products. Channels that can be used by customers
yang dapat digunakan oleh nasabah antara lain: include:
• Informasi produk pada situs perusahaan https:// • Product information on the company website https://
bankraya.co.id; bankraya.co.id;
• FAQ produk pada aplikasi-aplikasi digital Bank Raya; • Product FAQs on Bank Raya digital applications;
• Community Branch yang tersebar di kota-kota besar • Community Branches spread across major cities in
Indonesia yang lokasinya dapat dilihat pada https:// Indonesia whose locations can be seen at https://
bankraya.co.id/help/branch-locations; bankraya.co.id/help/branch-locations;
• Contact Center Bank Raya yaitu Sapa Raya yang terdiri • Bank Raya Contact Center, namely Sapa Raya, which
dari: consists of:
- Call Center (Sapa Raya) 1500 494; - Call Center (Sapa Raya) 1500 494;
- DM Official Instagram Bank Raya (instagram.com/ - Bank Raya Official Instagram DM (instagram.com/
bankraya); bankraya);
- Official Whatsapp Bank Raya (0811-1952-3111); - Bank Raya Official WhatsApp (0811-1952-3111);
- Official Whatsapp Pinang (0811-1953-9494); - Pinang Official Whatsapp (0811-1953-9494);
- Facebook Messenger (https://www.facebook.com/ - Facebook Messenger (https://www.facebook.com/
BankRayaOfficial) BankRayaOfficial)
Pengelolaan aktivitas hubungan investor telah mencakup Management of investor relations activities is included in
di kebijakan perseroan berupa Surat Edaran Direksi No: company policy in the form of Board of Directors Circular
SE.B.36/DIR.02.05/PCP/12/2022 tanggal 15 Desember 2022, Letter (SE) No. SE.B.36/DIR.02.05/PCP/12/2022 dated
tentang Pedoman Pelaksanaan Perlindungan Konsumen December 15, 2022, concerning consumer protection
Bank Raya. Kebijakan tersebut mengatur untuk pengelolaan management policies of PT Bank Raya Indonesia Tbk. This
informasi melalui satu pintu. Perseroan diwakili oleh Direksi policy regulates the management of information through a
dan Sekretaris perusahaan untuk menyampaikan informasi single gateway. The Company is represented by the Board of
yang berkaitan dengan keadaan perseroan kepada pihak Directors and the Corporate Secretary to convey information
eksternal. relating to the Company’s condition to external parties.
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Bank Raya berkomitmen untuk melakukan penyaluran Bank Raya is committed to disbursing loan selectively and for
kredit secara selektif dan terhadap debitur yang bergerak di debtors operating in Palm Oil, Bank Raya requires Indonesian
Kelapa Sawit Bank Raya mensyaratkan memiliki sertifikasi Sustainable Palm Oil (ISPO) certification.
Indonesian Sustainable Palm Oil (ISPO).
Bank menerapkan sistem keterbukaan informasi secara jujur The Bank implements an honest and transparent information
dan transparan, serta memperlakukan persamaan (equal disclosure system, and treats all creditors equally without
treatment) kepada seluruh kreditur tanpa adanya diskriminasi. discrimination. This is done to provide protection for the
Hal ini dilakukan untuk memberikan perlindungan terhadap rights of Bank Raya creditors. With information disclosure,
hak-hak kreditur Bank Raya. Dengan keterbukaan informasi, all creditors and business partners have the right to obtain
seluruh kreditur maupun mitra usaha berhak memperoleh relevant information according to their needs so that each
informasi yang relevan sesuai kebutuhannya sehingga party can make objective decisions based on considerations
masing-masing pihak dapat membuat keputusan yang that are fair, reasonable and accurate.
objektif atas dasar pertimbangan yang adil, wajar dan akurat.
Bank Raya bersama kreditur melakukan kesepakatan Bank Raya and creditors entered into an agreement so that
agar hak-hak kreditur dapat dilaksanakan dengan baik. creditors’ rights can be exercised properly. Bank Raya is
Bank Raya wajib menjalankan kewajibannya sebagaimana obliged to carry out its obligations as promised in a timely
yang dijanjikan dengan tepat waktu, dan berupaya untuk manner, and strive to avoid delays or negligence that have
menghindari keterlambatan maupun kelalaian yang the potential to cause losses to both parties.
berpotensi menimbulkan kerugian kedua belah pihak.
PENGENDALIAN GRATIFIKASI
Gratuity Control
Berdasarkan Surat Keputusan Direksi No.Kpts: B.363/ Based on Directors’ Decree No.Kpts: B.363/DIR.01.02/
DIR.01.02/OJL/08/2021 tanggal 9 Agustus 2021 tentang OJL/08/2021 dated 9 August 2021 concerning Anti-Bribery
Kebijakan Anti Penyuapan dan Pengendalian Gratifikasi Policy and Gratification Control and Directors’ Circular Letter
dan Surat Edaran Direksi No.SE: B.61/DIR.01.04/PCP/ No.SE: B.61/DIR.01.04/PCP/ LCA/12/2023 dated 18 December
LCA/12/2023 tanggal 18 Desember 2023 tentang Pedoman 2023 concerning Guidelines for Implementing an Anti-Bribery
Pelaksanaan Sistem Manajemen Anti Penyuapan, mengatur Management System, regulates gratification control at Bank
mengenai pengendalian gratifikasi di Bank Raya. Kebijakan Raya. This policy is prepared and aims to:
tersebut disusun dan bertujuan dalam hal:
1. Memberikan pedoman bagi Insan Bank Raya untuk 1. Provide guidelines for Bank Raya personnel to understand,
memahami, mencegah dan mengendalikan praktik prevent, and control gratuity practices in the Company;
gratifikasi di perusahaan;
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Membentuk lingkungan organisasi yang sadar dan 2. Establish an organizational environment that is aware
terkendali dalam pengendalian praktik gratifikasi and controlled in controlling gratuity practices so that
sehingga prinsip keterbukaan dan akuntabilitas dalam the principles of transparency and accountability in
menjalankan kegiatan operasional dan bisnis sehari-hari carrying out daily operational and business activities are
semakin terimplementasi; increasingly implemented;
3. Memberikan arahan dan acuan bagi Insan Bank Raya 3. Provide direction and reference for Bank Raya personnel
mengenai pentingnya kepatuhan melaporkan gratifikasi regarding the importance of complying with reporting
untuk perlindungan dirinya sendiri maupun keluarganya gratuities to protect themselves and their families from
dari peluang dikenakannya tuduhan tindak pidana suap; the possibility of being charged with the crime of bribery;
4. Menciptakan mekanisme pelaporan gratifikasi secara 4. Create an internal gratification reporting mechanism
internal untuk mendukung lingkungan perusahaan yang to support a company environment that is free from
bersih dari praktik gratifikasi. gratuitous practices.
Dalam implementasinya, Bank Raya telah memiliki Fungsi In its implementation, Bank Raya has a Gratuity Control
Pengendalian Gratifikasi yaitu Divisi Legal & Compliance. Di Function, namely the Legal & Compliance Division. In 2023,
tahun 2023, pengelolaan atas gratifikasi yang dilakukan Bank the management of gratuities carried out by Bank Raya is as
Raya adalah sebagai berikut: follows:
Jumlah Gratifikasi Yang
Periode /
No Dilaporkan / Number of Status
Period
Gratuities Reported
Sudah diputuskan sesuai dengan
1 Januari-Juni (Semester 1) / January-June (Semester 1) 3 ketentuan / Has been decided
according to the provisions
2 Juli-Desember (Semester II) / July-December (Semester II) 0 Nihil / None
Dalam implementasinya, Bank Raya menerapkan kebijakan Bank Raya implements an anti-corruption policy based
anti korupsi berdasarkan pedoman pengendalian Gratifikasi on the Gratuity control guidelines stated in the Board of
yang tercantum dalam Surat Keputusan Direksi No.Kpts.: Directors Decree No. Kpts.: B.363/DIR.01.02/OJL/08/2021
B.363/DIR.01.02/OJL/08/2021 tanggal 9 Agustus 2021 dated August 9, 2021, concerning Anti-Bribery and Gratuity
tentang Kebijakan Anti Penyuapan dan Pengendalian Control Policies. Board of Directors Decree No. Kpts: B.669/
Gratifikasi dan Surat Edaran Direksi No.SE: B.61/DIR.01.04/ DIR.02.04/OJL/LCA/12/2021 dated December 16, 2021,
PCP/LCA/12/2023 tanggal 18 Desember 2023 tentang concerning Guidelines for Implementing the Anti-Bribery
Pedoman Pelaksanaan Sistem Manajemen Anti Penyuapan. Management System and Board of Directors Circular Letter
Komitmen Bank Raya dalam rangka mewujudkan Bank yang No. SE:B.36/DIR.02.04/OJL /09/2021 dated September 21,
bersih dan berintegritas sebagai upaya pencegahan korupsi, 2021, concerning Operational Guidelines for Anti-Bribery
Manajemen Bank berkomitmen untuk : Management Systems. Bank Raya’s commitment to realize a
clean Bank with integrity as an effort to prevent corruption,
Bank Management is committed to:
1. Menjalankan bisnis perusahaan berdasarkan nilai 1. Carrying out company business in the value of integrity
integritas dan berpegang teguh pada pedoman Kode Etik, and adhering to the Code of Conduct guidelines, Good
Prinsip Good Corporate Governance dan Prinsip 4N0's Corporate Governance Principles, and 4N0’s Principles,
yaitu: namely:
a. No Bribery (dilarang meminta atau menerima suap, a. No Bribery (prohibited from requesting for or
sogok dan melakukan pemerasan); accepting bribes, kickbacks, and extortion);
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
b. No Kickback (dilarang meminta atau menerima komisi b. No Kickback (prohibited from requesting for or
atau tanda terima kasih, baik dalam bentuk uang, accepting commissions or tokens of gratitude,
ataupun bentuk lainnya); whether in the form of money or other forms);
c. No Gift (dilarang meminta atau menerima hadiah c. No Gifts (prohibited from requesting for or accepting
atau gratifikasi yang tidak patut/tidak wajar dan inappropriate/ unreasonable gifts or gratuities and
bertentangan dengan peraturan yang berlaku): dan contrary to applicable regulations); and
d. No Luxurious Hospitality (dilarang meminta atau d. No Luxurious Hospitality (prohibited from
menerima penyambutan dan jamuan yang berlebihan). requesting for or receiving excessive reception and
entertainment).
2. Bersedia untuk mematuhi dan melaksanakan Komitmen 2. Willing to comply with and implement the Anti-Bribery
Manajemen Anti Penyuapan dengan sungguh-sungguh, Management Commitment seriously, through the Zero
melalui prinsip Zero Tolerance terhadap tindakan yang Tolerance principle for actions related to violations of
berkaitan dengan pelanggaran Peraturan Perundangan, Laws and Regulations, Acts of Corruption, Collusion, and
Tindakan Korupsi, Kolusi, dan Nepotisme (KKN) serta Nepotism (KKN), and contrary to the 4NO’s Principles;
bertentangan dengan Prinsip 4NO's;
3. Menjalankan proses bisnis yang patuh dan sesuai 3. Carrying out business processes that are compliant
dengan Peraturan Perundangan, Prinsip Good Corporate and under Legislative Regulations, Good Corporate
Governance (GCG) dan Pedoman Kode Etik yang Governance (GCG) Principles, and applicable Code of
berlaku serta menumbuhkan budaya kepatuhan yang Conduct Guidelines and fostering a culture of sustainable
berkesinambungan; compliance;
4. Menghindari segala bentuk konflik kepentingan dan 4. Avoiding all forms of conflicts of interest and managing
mengelola setiap konflik kepentingan yang berpotensi any conflicts of interest that have the potential to cause
menimbulkan risiko; risks;
5. Senantiasa mensosialisasikan dan membangun budaya 5. Always disseminating and building a culture of continuous
penerapan Prinsip 4NO's secara berkesinambungan implementation of the 4NO’s Principles to all Bank
kepada seluruh Pekerja dan stakeholders Bank. Employees and stakeholders;
6. Melakukan pengawasan terhadap pelaksanaan Sistem 6. Supervising the Anti-Bribery Management System
Manajemen Anti Penyuapan melalui Fungsi Kepatuhan implementation through the Anti-Bribery Compliance
Anti Penyuapan dengan wewenang yang jelas, mandiri Function with clear, independent authority and free from
dan bebas dari konflik kepentingan; conflicts of interest;
7. Memberikan sanksi yang tegas terhadap setiap 7. Providing strict sanctions for any violations following
pelanggaran sesuai Peraturan Perundangan dan applicable Laws and Company Regulations.
Ketentuan Perusahaan yang berlaku.
Kebijakan pelanggaran (fraud) internal di Bank Raya diatur Bank Raya’s anti-fraud related policies are regulated based
berdasarkan Surat Keputusan No.SK: B.381/Dir.01.02/ on Decree No.SK: B.381/Dir.01.02/PCP/08/2022 dated
PCP/08/2022 tanggal 22 Agustus 2022 tentang Kebijakan August 22, 2022 concerning Anti-Fraud General Policy. This
Umum Anti Fraud. Kebijakan ini merupakan bagian dari sistem policy is part of Bank Raya’s internal control system. This is
pengendalian Intern Bank Raya. Hal ini dilakukan sebagai done as an effort to build a culture of compliance and create
upaya untuk membangun budaya kepatuhan dan menciptakan risk awareness of the potential and consequences of fraud at
kesadaran risiko atas potensi dan konsekuensi terjadinya fraud all levels of the organization.
pada seluruh jenjang organisasi.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kebijakan ini mengatur mengenai kerangka kerja, tata kelola This policy regulates the framework, governance and
dan penerapan strategi anti-fraud yang merupakan strategi implementation of anti-fraud strategies, which is the Bank’s
Bank dalam mengendalikan fraud dengan memperhatikan strategy for controlling fraud by taking into account the
karakteristik dan jangkauan dari potensi fraud serta characteristics and scope of potential fraud and implemented
diimplementasikan dalam bentuk sistem pengendalian fraud. in the form of a fraud control system.
Dalam implementasinya, penanganan pelanggaran (fraud) In its implementation, handling of violations (fraud) refers
mengacu pada Surat edaran Bank Indonesia Nomor 13/28/ to Bank Indonesia Circular Letter No. 13/28/DPNP dated
DPNP tanggal 9 Desember 2011 tentang penerapan Strategi December 9, 2011 concerning the implementation of the Anti-
Anti Fraud. Di tahun 2023, terdapat sebanyak 3 (tiga) Fraud Strategy. There were 3 (three) fraud cases in Bank Raya
pelanggaran fraud yang terjadi di Bank Raya. during 2023.
Selain itu, undang-undang No. 28 tahun 1999 tentang In addition, law No. 28 of 1999 concerning state administrators
penyelenggara negara Yang Bersih dan Bebas dari Korupsi, who are clean and free from corruption, collusion and
Kolusi, dan nepotisme, mengamanatkan bahwa setiap nepotism, mandates that every administrator is obliged to
penyelenggara wajib melaporkan dan mengumumkan Harta report and declare their assets before and after assuming
Kekayaannya sebelum dan setelah memangku jabatan office and be willing to have their assets checked before and
serta bersedia diperiksa kekayaannya sebelum dan setelah after taking office. In article 2 (7) of Law No. 28 of 1999 along
menjabat. Dalam Undang-Undang No. 28 tahun 1999 pasal with its explanation, explains that other officials who have
2 (7) beserta penjelasannya, diuraikan bahwa pejabat lain strategic functions in relation to state administrators include
yang memiliki fungsi strategis dalam kaitannya dengan the Board of Commissioners, Board of Directors, and other
penyelenggara negara termasuk Dewan Komisaris, Direksi, structural officials in State-Owned Enterprises (SOEs) and
dan pejabat struktural lainnya pada Badan Usaha Milik negara Regional-Owned Enterprises (ROEs).
(BUMN ) dan Badan Usaha Milik Daerah (BUMD).
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TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Pemeriksaan LHKPN yang disampaikan kepada KPK The LHKPN examination submitted to the Corruption
bertujuan untuk mewujudkan penyelenggara negara yang Eradication Committee aims to create state administrators
menaati asas-asas umum penyelenggara negara yang bebas who adhere to the general principles of state administration
dari praktik korupsi, kolusi, dan nepotisme, serta perbuatan that are free from the practices of corruption, collusion,
tercela lainnya. Setiap penyelenggara negara dituntut untuk and nepotism, as well as other disgraceful acts. Every state
melaporkan kekayaannya melalui formulir LHKPN yang administrator is required to report their assets via the LHKPN
telah disediakan KPK untuk diisi secara jujur, benar dan form which has been provided by the Corruption Eradication
lengkap, agar KPK dapat menganalisis, mengevaluasi, serta Commission to be filled in honestly, correctly and completely,
menilai atas seluruh jumlah, jenis dan nilai Harta Kekayaan so that the Corruption Eradication Committee can analyze,
yang dilaporkan, secara benar, cepat, tepat, akurat dan evaluate and assess all amounts, types and value of assets
bertanggung jawab. reported, correctly, quickly, precisely, accurately and
responsibly.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 543
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Penilaian penerapan GCG secara konsisten dilakukan setiap Assessment of GCG implementation is consistently carried
tahun untuk mengetahui tingkat kecukupan penerapan GCG out every year to determine the level of adequacy of GCG
di lingkungan Bank. Penilaian yang dilakukan oleh Bank implementation within the Bank. The assessment carried out
menggunakan berbagai acuan standar praktik terbaik (best by the Bank uses various applicable best practice standards
practices) yang berlaku. as references.
Bank memiliki komitmen untuk selalu menerapkan standar The Bank is committed to always implementing GCG standards
GCG dengan selalu berusaha menerapkan praktik Tata Kelola by always striving to implement Good Corporate Governance
Perusahaan yang Baik, melalui berbagai usaha perbaikan dan practices, through various improvement efforts, as well as
peningkatan, serta merujuk pada standar minimal maupun referring to minimum standards and recommendations that
rekomendasi yang harus dipenuhi. must be met.
Self-Assessment Self-Assessment
Berdasarkan Surat Edaran OJK No.13/ SEOJK.03/2017 Bank Raya carries out a GCG assessment based on OJK
tentang Penerapan Tata Kelola bagi Bank Umum, Bank Raya Circular Letter No.13/ SEOJK.03/2017 concerning the
melaksanakan penilaian GCG. Bank Raya melakukan penilaian Implementation of Governance for Commercial Banks. Bank
sendiri (self assessment). Penilaian dilakukan secara Raya carries out its own assessment (self-assessment) that is
komprehensif, dan berkala dengan menetapkan rencana carried out comprehensively and periodically by establishing a
tindak lanjut yang meliputi tindakan korektif (bila diperlukan) follow-up plan which includes corrective action (if necessary)
dengan memperhatikan 11 (sebelas) faktor penilaian. Faktor taking into account 11 (eleven) assessment factors. The GCG
penilaian GCG adalah sebagai berikut: assessment factors are as follows:
1. Pelaksanaan tugas dan tanggung jawab Direksi; 1. Implementation of duties and responsibilities of the
Board of Directors;
2. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris; 2. Implementation of duties and responsibilities of the
Board of Commissioners;
3. Kelengkapan dan pelaksanaan tugas komite; 3. Completeness and implementation of committee duties;
4. Penanganan benturan kepentingan; 4. Handling conflicts of interest;
5. Penerapan fungsi kepatuhan; 5. Implementation of compliance functions;
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 Manajemen Risiko termasuk sistem 8. Implementation of Risk Management including internal
pengendalian intern, penyediaan dana kepada pihak control systems, provision of funds to related parties and
terkait (related party) dan penyediaan dana besar (large provision of large exposure;
exposure);
9. Transparansi kondisi keuangan dan non keuangan Bank; 9. Transparency of the Bank’s financial and non-financial
conditions;
10. Laporan pelaksanaan tata kelola dan pelaporan internal; 10. Report on the implementation of governance and internal
reporting;
11. Rencana strategis Bank. 11. Bank strategic plan.
544 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Di tahun 2023, hasil penilaian sendiri pelaksanaan GCG Bank Results of Bank Raya’s self-assessment of GCG
Raya adalah sebagai berikut: implementation in 2023 are as follows:
Hasil Penilaian GCG / GCG Assessment Results
Peringkat /
Definisi / Definition
Rating
Mencerminkan manajemen Bank telah melakukan penerapan Tata Kelola yang secara umum baik. Hal ini tercermin dari pemenuhan yang
memadai atas prinsip Tata Kelola. Dalam hal terdapat kelemahan penerapan prinsip Tata Kelola, secara umum kelemahan tersebut kurang
signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank. /
2
Demonstrating how the Bank’s management has generally practised good governance. This is demonstrated by the governance principles’
sufficient fulfilment. If there are any flaws in how the Governance principles are being put into practise, they are often not serious and may be
fixed by the management of the Bank taking ordinary measures.
ANALISIS / ANALYSIS
Berdasarkan analisis terhadap seluruh kriteria/indikator terhadap penilaian penerapan Tata Kelola di Bank Raya pada Semester II Tahun 2023 dapat disimpulkan
bahwa peringkat faktor penerapan Tata Kelola Bank Raya adalah 2 (BAIK). /
Based on an analysis of all of the assessment criteria/indicators mentioned above, it is concluded that the factor rating for the implementation of Good Corporate
Governance for Semester II of 2023 Bank Raya is 2 (GOOD).
Governance Aspek struktur Tata Kelola di Bank Raya telah dilaksanakan secara memadai antara lain tercermin dari: /
Structure Aspects of the governance structure at Bank Raya have been implemented adequately, which are reflected among other things:
a. Telah terbentuk Struktur Organisasi yang lebih dinamis dan selaras dengan visi dan misi bank yang baru, yaitu dengan Visi “The Best
Digital Bank by Becoming House of Fintech & Home for Gig Economy” dan misi yang salah satu isinya adalah mengutamakan penerapan
“Good Corporate Governance (GCG) dalam pengembangan bisnis dan operasional”. Struktur Organisasi Bank Raya tercantum dalam Surat
Keputusan Direksi No.Kpts B.206/Dir.01.05/CMG/06/2022 tanggal 6 Juni 2022 tentang Penetapan Kembali Struktur Organisasi PT. Bank
Raya Indonesia, Tbk. /
A new Organizational Structure has been formed that is more dynamic and aligned with the new vision and mission of the bank, namely
the Vision “The Best Digital Bank by Becoming House of Fintech & Home for Gig Economy” and a mission in which one of its contents is to
prioritize “Good Corporate Governance (GCG) in business and operational development”. The Organizational Structure of Bank Raya is stated
in the Directors’ Decree No.Kpts B.206/Dir.01.05/CMG/06/2022 dated June 6, 2022, concerning the Reestablishment of the Organizational
Structure of PT. Bank Raya Indonesia, Tbk.
b. Bank telah melakukan pengkinian kebijakan internal antara lain di bidang perkreditan, operasional, SDM dan IT yang disesuaikan dengan
ketentuan regulator (OJK, Bl dan ketentuan perundang-undangan lainnya) yang terbaru sebagai penunjang jalannya operasional Bank. /
The Bank has updated internal policies including in the areas of lending, operations, HR and IT which are adjusted to the latest regulatory
provisions (OJK, BI and other statutory provisions) to support the Bank’s operations.
c. Bank telah melakukan prosedur penyaringan dalam rangka penerimaan pekerja baru (Pre Employee Screening) dalam proses rekrutmen dan
seleksi untuk memastikan calon pekerja yang memiliki komitmen dan berkualitas untuk memenuhi kebutuhan SDM. /
The Bank has conducted screening procedures to accept new workers (Pre-Employee Screening) in the recruitment and selection to
ensure committed and qualified prospective employees to meet HR needs.
d. Bank telah memberikan kesempatan pelatihan bagi seluruh pekerja untuk meningkatkan skill dan kemampuan pekerja dalam rangka
peningkatan kinerja perusahaan melalui training, webinar maupun seminar baik yang dilakukan secara internal maupun eksternal. /
The Bank has provided training opportunities for all employees to improve employee skills and abilities in order to improve company
performance through training, webinars and seminars both internally and externally.
e. Bank telah melakukan perubahan susunan pengurus yaitu jajaran Direksi dan Dewan Komisaris, berdasarkan hasil RUPS Luar Biasa tanggal
3 Oktober 2023 sebagaimana tercantum dalam Akta Keputusan Rapat No.08 tanggal 6 Oktober 2023 yang dibuat dihadapan M. Nova Faisal,
SH. M.Kn., Notaris di Jakarta. /
The Bank has made changes to the management composition, namely the Board of Directors and Board of Commissioners, based on the
results of Extraordinary GMS dated October 3, 2023, as stated in the Deed of Meeting Resolutions No.08 dated October 6, 2023, which was
made in the presence of M. Nova Faisal, SH. M.Kn., Notary in Jakarta.
f. Bank telah melakukan perubahan logo Bank Raya sejak 1 November 2023 dengan menambahkan kata “Bank” dan “BRI Group” pada logo Bank
Raya, dalam rangka penguatan Branding Bank Raya dan sebagai upaya Bank Raya dalam mendorong pertumbuhan bisnis digital melalui
penguatan sinergi dengan ekosistem BRI Group. /
The Bank has changed the Bank Raya logo since November 1, 2023, by adding the words “Bank” and “BRI Group” to the Bank Raya logo, to
strengthen Bank Raya Branding and as an effort by Bank Raya to encourage digital business growth by strengthening synergy with the BRI
Group ecosystem.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 545
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Peringkat /
Definisi / Definition
Rating
Governance Aspek proses tata kelola telah dilaksanakan dengan baik antara lain tercermin dari: / Aspects of the governance process have been
Process implemented properly, as reflected in:
a. Dalam melaksanakan kegiatan operasional Bank, telah didukung dengan kebijakan dan prosedur yang memadai, tugas dan kewenangan
yang jelas termasuk adanya limit dalam pengambilan keputusan sehingga mencerminkan efektivitas proses penerapan Tata Kelola yang
Baik. /
In carrying out the Bank’s operational activities, it has been regulated with adequate policies and procedures, clear tasks and authorities
including the existence of limits on decision making so that it reflects the effectiveness of the process of implementing Good Governance.
b. Pemegang Saham Pengendali Bank Raya turut serta mendukung terlaksananya kegiatan usaha Bank yang sehat dan menjaga
kesinambungan usaha Bank. Hal ini terlihat dari keikutsertaan Bank Raya dalam ekosistem BRI seperti melakukan pembiayaan kepada
Agen BRILink dan kerjasama dalam pemanfaatan data watchlist BRI. /
Bank Raya’s Controlling Shareholders participate in supporting the implementation of healthy Bank business activities and maintaining the
Bank’s business continuity. This can be seen from Bank Raya’s participation in the BRI ecosystem such as providing financing to BRILink
Agents and collaborating in utilizing BRI watchlist data.
c. Penerapan Fungsi Kepatuhan telah diimplementasikan secara optimal pada setiap aktivitas Bank antara lain dengan melakukan pengujian
prinsip kehati-hatian (Uji Kepatuhan) pada setiap pengambilan keputusan Direksi, Kebijakan Bidang Perkreditan dan Non Perkreditan,
Perjanjian Kerjasama Bidang Perkreditan dan Non Perkreditan dan pemantauan tindak lanjut hasil pengujiannya serta menerbitkan Resume
dan Analisa Dampak atas peraturan yang diterbitkan oleh Regulator maupun peraturan perundang undangan terbaru yang memiliki dampak
terhadap aktivitas dan kelangsungan usaha Bank. /
The implementation of the Compliance Function has been implemented optimally in every activity of the Bank, among others by testing the
prudential principle (Compliance Test) in every decision making by the Board of Directors, Policies in the Field of Credit and Non-Credit,
Cooperation Agreements in the Field of Credit and Non-Credit and issuing Resumes and Impact Analysis on the Regulations issued by
Regulators as well as the latest laws and regulations that have an impact on Bank activities and business continuity.
d. Telah dilakukan kegiatan monitoring dan pembinaan oleh Satuan Kerja Kepatuhan kepada beberapa Unit Kerja Operasional pada Semester
Il Tahun 2023 dalam rangka meningkatkan pemahaman tentang Fungsi Legal dan Fungsi Kepatuhan, antara lain sosialisasi penerapan
Tata Kelola Perusahaan yang Baik (Good Corporate Governance), Kode Etik Bank, Anti Penyuapan dan Pengendalian Gratifikasi, penerapan
program APU & PPT dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal termasuk pemanfaatan sistem pendukung APU
& PPT (Sistem RAYSA), serta pemahaman mengenai Hukum Perkreditan dan Hukum Operasional. Selain itu, Satuan Kerja Kepatuhan
juga telah melakukan sosialisasi secara e-learning kepada seluruh pekerja Bank Raya dengan materi terkait Anti Bribery, penerapan ISO
9001:2015 Sistem Manajemen Mutu, serta penyelenggaraan Seminar Anti Fraud dan Pengendalian Gratifikasi bersama Divisi Enterprise Risk
Management dan Divisi Human Capital. /
Monitoring and coaching activities have been carried out by the Compliance Work Unit for several Operational Work Units in Semester II of
2023 to increase understanding of the Legal Function and Compliance Function, including disseminating the Good Corporate Governance
implementation, the Bank’s Code of Conduct, Anti-Bribery and Gratuity Control, the APU & CFT program implementation, and Prevention of
Funding for the Proliferation of Weapons of Mass Destruction, including the use of the APU & CPT support system (RAYSA System) as well
as understanding Credit Law and Operational Law. Aside from that, the Compliance Work Unit has also conducted e-learning outreach to
all Bank Raya employees with material related to Anti-Bribery, implementation of the ISO 9001:2015 Quality Management System, as well as
holding an Anti-Fraud and Gratuity Control Seminar with Enterprise Risk Management Division and Human Resources Division.
e. Satuan Kerja Kepatuhan Bank Raya telah menerapkan ISO 9001:2015 Sistem Manajemen Mutu dan ISO 37001:2016 Sistem Manajemen Anti
Penyuapan dalam proses pengadaan barang dan jasa pada Divisi Finance and Asset Management sejak Tahun 2021. /
Bank Raya’s Compliance Work Unit has implemented ISO 9001:2015 Quality Management System and ISO 37001:2016 Anti-Bribery
Management System in the process of procuring goods and services in the Finance and Asset Management Division since 2021.
f. Secara rutin setiap triwulanan, Bank BRI sebagai Perusahaan Induk melakukan pemantauan dan evaluasi terhadap pelaksanaan Fungsi
Kepatuhan dan penerapan Tata Kelola Perusahaan pada semua Perusahaan Anak dalam rangka pelaksanaan Tata Kelola Terintegrasi. /
Bank BRI as the Holding Company routinely monitors and evaluates the implementation of the Compliance Function and the implementation
of Corporate Governance in all Subsidiary Companies in the context of implementing Integrated Governance every quarter.
g. Seluruh jajaran Bank Raya secara berkesinambungan telah meningkatkan governance process dengan meningkatkan koordinasi,
komunikasi untuk pengkinian informasi/berita-berita dalam website perusahaan, baik secara langsung di forum rapat/kegiatan berkala
internal, melalui telepon, email maupun Nota Dinas dan mengadministrasikan seluruh kegiatan pada Satuan Kerja dan antar Satuan Kerja
dengan baik. LAPORAN PENILAIAN SENDIRI (SELF ASSESSMENT) PENERAPAN TATA KELOLA /
All levels of Bank Raya have continuously improved the governance process by increasing coordination, communication to update
information/news on the company website, either directly in internal meeting forums/periodic activities, via telephone, email, or official
notes and administering all activities within the Work Unit and between Work Units properly. SELF-ASSESSMENT REPORT ON THE
IMPLEMENTATION OF GOVERNANCE.
h. Terhadap adanya kasus fraud telah ditindaklanjuti secara optimal, baik melalui saluran hukum maupun pemberian sanksi disiplin sesuai
pelanggaran yang telah dilakukan terhadap pelaku fraud internal. /
Fraud cases have been followed up optimally, both through legal channels and by imposing disciplinary sanctions according to the violations
committed on internal fraud perpetrators.
i. Penyelesaian komitmen terhadap Regulator telah ditindaklanjuti sesuai dengan target waktu yang telah ditetapkan. /
Completion of commitments to Regulators has been followed up in accordance with predetermined time targets.
j. Proses transformasi Bank Raya menjadi Bank Digital, telah ditindaklanjuti dengan penyusunan dan penyampaian Rencana Bisnis Bank
dan Rencana Korporasi Bank kepada Regulator, perubahan terhadap visi dan misi bank, membuat produk-produk bank dengan proses
digital secara berkelanjutan dan sesuai dengan target market bank, sehingga dapat memudahkan dan memberikan pelayanan yang
sesuai dengan kebutuhan masyarakat. Membangun ekosistem bisnis dengan membangun kemitraan strategis, memperluas ekosistem
partnership melalui kerjasama dengan perusahaan BUMN, Swasta, Instansi Pemerintah, dan komunitas-komunitas bisnis. Memperkuat
kapasitas dan kapabilitas digital bank dengan memperkuat infrastruktur IT, data, talent dan organisasi yang lebih agile dan adaptive,
dengan mengutamakan prinsip Tata Kelola yang Baik dalam proses operasional dan bisnis bank, dengan tetap menerapkan prinsip kehati-
hatian, 5C dan four eyes principle. /
The Bank’s transformation process into a Digital Bank has been followed up by preparing and submitting the Bank’s Business Plan and the
Bank’s Corporate Plan to Regulators, changes to the Bank’s vision and mission, creating bank products with digital processes that facilitate
and provide fast service from Bank Raya and build ecosystems business by building strategic partnerships, expanding the partnership
ecosystem through collaboration with state-owned companies, private companies, government agencies, and business communities.
Strengthening the Bank’s digital capacity and capabilities by strengthening IT infrastructure, data, talent, and a more agile and adaptive
organization, by prioritizing the principles of Good Governance in the Bank’s operational and business processes, while continuously
applying prudential principles, 5C, and the four eyes principle.
546 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Peringkat /
Definisi / Definition
Rating
k. Penerapan Program Rencana Aksi Keuangan Berkelanjutan (RAKB) Tahun 2023 di Bank Raya yaitu sebagai berikut: /
Implementation of the Sustainable Financial Action Plan (RAKB) Program at Bank Raya in 2023 is as follows:
i. Meningkatkan growth kredit kepada usaha kategori Usaha Mikro Kecil Menengah (UMKM) sektor Gig Ekonomi Berwawasan Lingkungan
dan mengakuisisi dana- dana dari Nasabah yang sudah mendukung Program Keuangan Berkelanjutan. /
Increasing credit growth to businesses in the Small and Medium-sized Enterprises (SMEs) category in the Gig Economy sector with an
environmental perspective and acquiring funds from customers who have supported the Sustainable Finance Program.
ii. Penyelenggaraan webinar dengan PT. Pindo Deli Pulp & Paper Mills sebagai instansi yang telah memiliki sertifikat ISO 14001:2015 Sistem
Manajemen Lingkungan, yang membahas tentang konsep dan penerapan manajemen lingkungan yang sesuai dengan standar ISO
14001:2015 kepada pekerja di kantor pusat dan unit kerja operasional. /
Organizing a webinar with PT. Pindo Deli Pulp & Paper Mills is an agency that has an ISO 14001:2015 Environmental Management System
certificate, which discusses the concept and application of environmental management according to the ISO 14001:2015 standard for
workers at the head office and operational work units.
iii. Mengadakan e-learning dengan topik Keuangan Berkelanjutan ke Pekerja melalui aplikasi e-learning Bank Raya /
Holding e-learning on the topic of Sustainable Finance for Workers through the Bank Raya e-learning application.
iv. Sosialisasi Keuangan Berkelanjutan dari Tim Budaya kerja untuk meningkatkan employee participation & engagement serta kompetensi
dan kepuasan nasabah, yaitu melalui sosialisasi new building new culture pada setiap doa pagi Divisi dan Direktorat. /
Dissemination of Sustainable Finance from the Work Culture Team to increase employee participation & engagement as well as
competency and customer satisfaction, namely through the dissemination of new building new culture at every Division and Directorate
morning prayer.
L. Kegiatan Budaya Kerja Green Office, antara lain dengan Penggunaan tumbler/gelas pada pelaksanaan meeting, penurunan penggunaan ATK
(kertas) dengan mendorong penggunaan agropos/email dan penurunan penggunaan listrik. /
Green Office Work Culture activities which include using tumblers/glass during meetings, reducing the use of stationery (paper) by
encouraging the use of agropos/email, and reducing electricity use.
Governance Aspek hasil tata kelola telah dilaksanakan dengan baik, antara lain melalui: /
Outcome Aspects of governance outcomes have been well implemented, including through:
a. Bank Raya telah menyusun dan menyajikan laporan dengan tata cara, jenis dan cakupan sesuai dengan ketentuan regulator mengenai
transparansi dan publikasi laporan bank, antara lain melalui aplikasi APOLO, Sipena, Sipesat, Sigap dan aplikasi lainnya. Namun demikian
pada SM Il Tahun 2023 masih terdapat pengenaan denda regulator kepada Bank Raya sebesar Rp.29.410.000 (dua puluh sembilan juta empat
ratus sepuluh ribu rupiah), baik yang disebabkan oleh sistem maupun human error. Nilai ini lebih kecil dibandingkan dengan pengenaan
denda pada SM | Tahun 2023. /
Bank Raya has prepared and presented reports with procedures, types, and scope according to regulatory provisions on transparency and
publication of bank reports through APOLO, Sipena, Sipesat, Sigap, and other applications. However, in SM II of 2023, there would still be
a regulatory fine imposed on Bank Raya amounting to Rp29,410,000 (twenty-nine million four hundred and ten thousand rupiah), whether
caused by system or human error. This value is smaller than the fine imposed on SM I of 2023.
b. Pengungkapan dan transparansi informasi baik kondisi keuangan maupun non-keuangan telah dilakukan secara memadai kepada
stakeholders termasuk mengumumkan Laporan Keuangan Publikasi triwulanan, Suku Bunga Dasar Kredit (SBDK) dan melaporkannya
kepada Otoritas Jasa Keuangan atau stakeholders sesuai ketentuan yang berlaku. Transparansi informasi dapat dilihat melalui website
Bank Raya www.bankraya.co.id. /
Information disclosure and transparency of on both financial and non-financial conditions has been adequately carried out to stakeholders,
including announcing quarterly Published Financial Statements, Prime Lending Rate (SBDK) and reporting them to the Financial Services
Authority or stakeholders in accordance with applicable regulations. Information transparency can be seen on the Bank Raya website www.
bankraya.co.id.
c. Pencapaian Kinerja Bank, berdasarkan target yang telah ditetapkan di dalam Rencana Bisnis Bank telah dilakukan secara memadai,
khususnya terkait proses transformasi Bank Raya menjadi Bank Digital. /
Based on the targets set in the Bank’s Business Plan, the Bank’s performance achievements have been carried out adequately, especially
regarding the transformation process of Bank Raya into a Digital Bank.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 547
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Tingkat Kesehatan Bank Raya di tahun 2023 adalah sebagai Risk-Based Bank Raya Rating in 2023 is as follows:
berikut:
Faktor Penilaian / Rating Factor Penilaian OJK / OJK Rating
Bank Raya menyadari bahwa praktik-praktik bad corporate Bank Raya is aware that bad corporate governance practices
governance akan mengganggu sistem Tata Kelola yang Baik will disrupt the Good Governance (GCG) system that has been
(GCG) yang telah dibangun, karenanya Bank tidak melakukan established, therefore the Bank does not take any actions
segala tindakan yang bertentangan dengan aturan serta that are contrary to the rules and policies related to GCG. The
kebijakan terkait GCG. Secara berkala penerapan GCG di implementation of GCG at Bank Raya is regularly improved
Bank Raya selalu ditingkatkan dari tahun ke tahun dengan from over the year by making many improvements and policy
melakukan banyak perbaikan dan perubahan kebijakan yang changes that are adapted to the Company’s conditions,
disesuaikan dengan kondisi Perusahaan, kondisi ekonomi economic conditions, and the banking world in particular.
dan dunia perbankan khususnya.
Laporan atas Kegiatan Perusahaan yang Mencemari Report on Company Activities that Pollute the Environment
Lingkungan
Bank Raya tidak memiliki kegiatan yang mencemari Bank Raya does not have activities that pollute the
Lingkungan serta berkomitmen untuk senantiasa mendukung environment and is committed to always supporting the BRI
program Go Green Grup BRI. Group’s Go Green program.
Perkara Penting yang Dihadapi Perusahaan Legal Cases Faced by the Company
Bank tidak memiliki permasalahan hukum baik terhadap The Bank does not have any legal problems against the
Perseroan, anggota Direksi dan/ atau anggota Dewan Company, members of the Board of Directors and/or
Komisaris yang sedang menjabat. members of the Board of Commissioners who are currently
serving.
Kasus Terkait Buruh dan Karyawan Cases Related to Workers and Employees
Di taun 2023, Bank Raya tidak memiliki permasalahan baik There were no criminal or civil problems related to workers
pidana maupun perdata terkait buruh dan karyawan. and employees in 2023.
548 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Kesesuaian Penyajian Laporan Tahunan dan Laporan Conformity of Presentation of Annual Reports and Financial
Keuangan dengan Peraturan yang Berlaku dan SAK Reports with Applicable Regulations and SAK
Bank Raya melakukan penyusunan Laporan Tahunan, dan Bank Raya prepares Annual Reports and Financial Reports in
Laporan Keuangan disesuaikan dengan peraturan dan accordance with applicable laws and regulations.
perundang-undangan yang berlaku.
Laporan Tahunan Bank telah menginformasikan mengenai The Bank’s Annual Report has provided information regarding
laporan manajemen Bank mencakup pelaksanaan tugas, the Bank’s management report covering the implementation
tantangan dan capaian sepanjang tahun 2022 dan telah of tasks, challenges and achievements throughout 2022
disusun dengan mengacu pada Peraturan Otoritas Jasa and has been prepared with reference to Financial Services
Keuangan Nomor 29 /POJK.04/2016 Tentang Laporan Authority Regulation No. 29 /POJK.04/2016 concerning
Tahunan Emiten Atau Perusahaan Publik Annual Reports of Issuers or Public Companies
Laporan Keuangan Tahunan yang berakhir pada 31 Desember The Annual Financial Report ending on December 31, 2023,
2023, telah diperiksa dan disahkan oleh Akuntan Publik yang has been audited and validated by the Public Accountant
ditunjuk oleh Perusahaan yaitu KAP Purwantono, Sungkoro appointed by the Company, namely KAP Purwantono,
& Surja (STTD. KAP-03/PM.22/2018). Laporan Keuangan Sungkoro & Surja (STTD. KAP-03/PM.22/2018). Bank Raya’s
Tahunan Bank Raya memberikan informasi pencatatan Annual Financial Report provides recording information on all
dari segala transaksi yang berkaitan dengan dana pihak transactions relating to third party funds, loans, purchases
ketiga, kredit, pembelian dan penjualan secara detail dan and sales in detail and accurate calculations in a fiscal year
perhitungan yang akurat selama satu tahun dan merupakan and is the result of management’s accountability for the use
hasil pertanggungjawaban manajemen atas penggunaan of entrusted resources.
sumber daya yang dipercayakan.
Kesesuaian Antara Laporan Tahunan Salinan Cetak dengan Conformity Between Printed Copy Annual Reports and
Laporan Tahunan Salinan Elektronik Electronic Copy Annual Reports
Bank Raya senantiasa melakukan pengecekan sebelum Bank Raya always checks before uploading the Annual Report
mengunggah Laporan Tahunan dan memastikan kesesuaian and ensures the suitability of the data between the hardcopy
data antara Laporan Tahunan hardcopy dengan softcopy. and softcopy Annual Reports. This is done to adjust the
Hal tersebut dilakukan untuk menyesuaikan antara Laporan printed copy of the Annual Report to the electronic copy of
Tahunan salinan cetak dengan Laporan Tahunan salinan the Annual Report.
elektronik.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 549
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
550 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
ASPEK 2: FUNGSI DAN PERAN DEWAN KOMISARIS / ASPECT 2: FUNCTIONS AND ROLE OF THE BOARD OF COMMISSIONERS
Prinsip 3 / Penentuan jumlah anggota Dewan Komisaris Sebagaimana dalam Anggaran Dasar Perseroan, mekanisme Comply
Principle 3 mempertimbangkan kondisi Perusahaan Terbuka / penentuan jumlah Dewan Komisaris dilakukan dengan
Memperkuat Determining the number of members of the Board of mempertimbangkan best practice (peers grup perbankan)
Keanggotaan Commissioners takes into account the conditions of the dimana Bank Buku II dengan total Aset selevel Perseroan
dan Komposisi Public Company. maksimum memiliki jumlah Komisaris sebanyak 5 orang dan
Dewan Komisaris Direksi 5 orang dan tidak melebihi jumlah Direksi. /
/ Strengthening As in the Company’s Articles of Association, the mechanism for
the Membership determining the number of Board of Commissioners is carried
and Composition out by considering best practice (banking group peers) where
of the Board of Bank Buku II with total assets at Company level has a maximum
Commissioners number of Commissioners of 5 people and Directors of 5
people and does not exceed the number of Directors.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 551
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
ASPEK 3: FUNGSI DAN PERAN DIREKSI / ASPECT 3: FUNCTIONS AND ROLES OF THE BOARD OF DIRECTORS
Prinsip 5 / Penentuan jumlah anggota Direksi mempertimbangkan Sebagaimana dalam Anggaran Dasar Perseroan, Comply
Principle 5 kondisi Perusahaan Terbuka serta efektivitas dalam mekanisme penentuan jumlah Direksi dilakukan dengan
Memperkuat pengambilan keputusan / mempertimbangkan best practice (peers grup perbankan)
Keanggotaan dan Determining the number of members of the Board of di mana Bank Buku II dengan total Aset selevel Perseroan
Komposisi Direksi. Directors takes into account the condition of the Public maksimum memiliki jumlah Direksi sebanyak 5 orang. /
/ Strengthening Company and effectiveness in decision making. As in the Company’s Articles of Association, the mechanism
the Membership for determining the number of Directors is carried out by
and Composition considering best practice (banking group peers) where Bank
of the Board of Buku II with total assets at Company level has a maximum
Directors. number of Directors of 5 people.
552 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
Prinsip 7 / Perusahaan Terbuka memiliki kebijakan untuk Bank Raya memiliki kebijakan Pelayanan dan pengelolaan Comply
Principle 7 mencegah terjadinya insider trading / informasi PT Bank Raya Indonesia Tbk yang diatur dalam Surat
Meningkatkan Public Companies have policies to prevent insider No B.04/DIR.01.02/SKP/12/2014 yang diterbitkan pada tanggal
Aspek Tata Kelola trading. 16 Desember 2014 /
Perusahaan Bank Raya has a service and information management policy
melalui Partisipasi for PT Bank Raya Indonesia Tbk which is regulated in Letter No
Pemangku B.04/DIR.01.02/SKP/12/2014 which was issued on December
Kepentingan 16, 2014.
/ Improving
Corporate
Governance
Aspects through
Stakeholder
Participation
Perusahaan Terbuka memiliki kebijakan anti korupsi dan Bank memiliki kebijakan Anti Fraud sesuai Surat Keputusan Comply
anti fraud / Bank Raya No.Kep:B.19/ DIR.01.03/RMG/08/2020 tanggal 26
Public Companies have anti-corruption and anti-fraud Agustus 2020 tentang Strategi Anti Fraud /
policies. The Bank has an Anti-Fraud policy in accordance with Bank
Raya Decree No. Kep:B.19/DIR.01.03/RMG/08/2020 dated
August 26, 2020 concerning Anti-Fraud Strategy.
Perusahaan Terbuka memiliki kebijakan tentang seleksi Perusahaan memiliki kebijakan yang mengatur seleksi pemasok Comply
dan peningkatan kemampuan pemasok atau vendor / atau vendor yang di antaranya telah meliputi kriteria-kriteria
Public Companies have policies regarding the selection tersebut yang tertuang dalam aturan Pengadaan Barang dan
and improvement of supplier or vendor capabilities. Jasa yaitu SK Direksi No. Kpts. B.353/DIR.02.04/ OJL/08/2021
tanggal 8 Agustus 2021 tentang Pedoman Pengadaan Barang
dan Jasa (Revisi). Pelaksanaan Pengadaan Barang dan Jasa
telah sesuai dan mengikuti ketentuan yang ada /
The Company has a policy that regulates the selection of
suppliers or vendors, which includes the criteria stated in the
rules for Procurement of Goods and Services, namely Board
of Directors Decree No. Kpts. B.353/DIR.02.04/ OJL/08/2021
dated August 8, 2021 concerning Guidelines for Procurement
of Goods and Services (Revised). The implementation of the
procurement of goods and services is in accordance with and
follows the existing regulations.
Perusahaan Terbuka memiliki kebijakan tentang Perseroan dalam kedudukannya sebagai kreditur (Perseroan Comply
pemenuhan hak-hak kreditur / menerbitkan obligasi) memiliki kebijakan tentang pemenuhan
Public Companies have policies regarding fulfilling hak-hak kreditur seperti tertuang dalam perjanjian dengan wali
creditor rights. amanat /
The Company in its position as a creditor (the Company issues
bonds) has a policy regarding fulfilling the rights of creditors as
stated in the agreement with the trustee.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 553
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Prinsip 8 / Perusahaan Terbuka memanfaatkan penggunaan Keterbukaan informasi hingga saat ini disampaikan melalui Comply
Principle 8 teknologi informasi secara lebih luas selain Situs Web situs website perusahaan, media cetak nasional dan situs
Meningkatkan sebagai media keterbukaan informasi / bursa efek Indonesia. /
Pelaksanaan Public Companies make wider use of information Information disclosure is currently carried out via the
Keterbukaan technology apart from Websites as a medium for Company’s website, national print media and the Indonesian
Informasi. / information disclosure. stock exchange website.
Improving the
Implementation Meskipun demikian, bank juga memiliki media sosial untuk
of Information mensosialisasikan kegiatan perusahaan dan kebijakan
Disclosure. pengelolaannya sesuai dengan Surat edaran Direksi Bank
Raya. No.50a/DIR.01.03/SKp/Kpp/6/2019 tanggal 28 Juni 2019
tentang pengelolaan Informasi perusahaan, Media Sosial dan
Website PT Bank Raya Indonesia Tbk. /
However, the Bank also has social media to disseminate
company activities and management policies in accordance
with the Bank Raya Board of Directors Circular Letter. No.50a/
DIR.01.03/SKp/Kpp/6/2019 dated June 28, 2019 concerning
management of company information, social media and the PT
Bank Raya Indonesia Tbk website.
Laporan Tahunan Perusahaan Terbuka mengungkapkan Pemilik Manfaat akhir dalam Kepemilikan Saham perusahaan Comply
pemilik manfaat akhir dalam kepemilikan saham telah disajikan pada Laporan tahunan Perusahaan /
Perusahaan Terbuka paling sedikit 5% (lima persen), The ultimate beneficial owner in the Company’s share
selain pengungkapan pemilik manfaat akhir dalam ownership has been presented in the Company’s annual report.
kepemilikan saham Perusahaan Terbuka melalui
Pemegang Saham utama dan pengendali /
The Annual Report of a Public Company discloses the
ultimate beneficial owner in Public Company share
ownership of at least 5% (five percent), in addition to
disclosure of the ultimate beneficial owner in Public
Company share ownership through the major and
controlling Shareholders.
554 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
TATA KELOLA PERUSAHAAN
Good Corporate Governance group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 555
LAPORAN
KEBERLANJUTAN
Sustainability Report
group
dana talangan
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
TENTANG LAPORAN
z ABOUT THE REPORT
Laporan Keberlanjutan yang diterbitkan oleh Bank memuat The Bank’s Sustainability Report comprises of sustainability
komitmen keberlanjutan, kinerja, dan aktivitas operasional commitments, performance and operational activities
yang terkait dengan dampak ekonomi, sosial, dan lingkungan, related to economic, social and environmental impacts and
juga merupakan bentuk kepatuhan Perseroan terhadap serves as the Company’s compliance with regulations and
peraturan dan perundang-undangan antara lain, Pasal 66 C, laws, including, Article 66 C, Law No. 40/2007 on Limited
Undang-Undang No. 40/2007 tentang Perusahaan Terbatas, Liability Companies, which requires Limited Liability
yang mewajibkan Perseroan Terbatas menyampaikan laporan Companies to submit reports on Social and Environmental
kegiatan Tanggung Jawab Sosial dan Lingkungan (TJSL) tiap Responsibility (TJSL) activities every year. This report is the
tahunnya. Laporan ini adalah Laporan Keberlanjutan ke-3 3rd Sustainability Report published by Bank Raya.
yang diterbitkan oleh Bank Raya.
Melalui Laporan ini, Bank berharap seluruh pemangku Through this report, the Bank hopes that all stakeholders
kepentingan dapat memperoleh informasi yang komprehensif may learn in-depth information about the dedication, efforts,
mengenai komitmen, upaya, dan kontribusi Bank Raya and contributions of Bank Raya through different programs,
melalui berbagai program, inisiatif, ataupun kebijakan yang initiatives, or policies (SDGs).
bertujuan untuk membangun bisnis Perseroan selaras
dengan Sustainable Development Goals (SDGs)
558 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Penggunaan “Bank Raya”, atau “Bank” dalam laporan ini The term “Bank Raya” or the “Bank” in this report refers to PT
mengacu kepada PT Bank Raya Indonesia Tbk. Bank Raya Indonesia Tbk.
Selain itu, penyusunan Laporan juga menggunakan panduan In addition, the preparation of the Report also uses the Global
Global Reporting Initiatives (GRI) sebagai referensi (With Reporting Initiative (GRI) guidelines as a reference (With
Reference). Reference).
Di samping kedua standar referensi tersebut, laporan keberlanjutan Aside of the two reference standards, this sustainability
ini juga menggunakan referensi yang mengacu pada Sustainable report also refers to the Sustainable Development Goals
Development Goals (SDGs) yang telah diadopsi secara nasional (SDGs) which have been adopted nationally in the 2020-2024
dalam Roadmap RPJMN 2020-2024 dan Perpres No. 59/2017 RPJMN Roadmap and Presidential Decree No. 59/2017 on
tentang Pencapaian Tujuan Berkelanjutan (TPB/SDGs). Achieving Sustainable Goals (SDGs).
Periode dan Siklus Laporan [2-3] Reporting Period and Cycle [2-3]
Laporan Keberlanjutan tahun 2023 ini memuat kinerja The 2023 Sustainability Report contains Bank Raya’s
keberlanjutan Bank Raya untuk periode 1 Januari 2023 sustainability performance for the period January 1, 2023 to
sampai dengan 31 Desember 2023. December 31, 2023.
Ruang Lingkup dan Batasan Laporan [2-2] Scope and Limitations of the Report [2-2]
Laporan ini hanya mengungkap kegiatan tanggung jawab This report discloses only social and environmental
sosial dan lingkungan yang dilakukan Bank Raya meliputi responsibility activities carried out by Bank Raya covering
kantor pusat dan seluruh jaringan kantor. Hingga 31 Desember the head office and the entire office network. Until December
2023, Bank Raya tidak memiliki anak perusahaan. Informasi 31, 2023, Bank Raya has no subsidiaries. Sustainability
dan data kinerja keberlanjutan yang disajikan dalam laporan information and performance data presented in this report
ini mencakup kinerja keuangan konsolidasi seluruh unit kerja include the consolidated financial performance of all branch
cabang dan capem serta data kinerja sosial dan lingkungan and sub-district work units as well as social and environmental
yang dilaporkan secara menyeluruh dan berimbang. performance data in a comprehensive and balanced manner.
Data keuangan dalam Laporan ini menggunakan nominasi Financial data in this Report uses Rupiah denominations,
Rupiah, kecuali diindikasikan lain. Data keuangan yang unless otherwise indicated. The financial data we submit
kami sampaikan sudah diaudit oleh Kantor Akuntan Publik has been audited by Public Accounting Firm Purwantono,
Purwantono, Sungkoro & Surja. Laporan dibuat dalam dua Sungkoro & Surja. This report is presented in two languages,
bahasa, yakni Bahasa Indonesia dan Bahasa Inggris. Data Indonesian and English. Quantitative data in this report is
kuantitatif dalam Laporan ini disajikan dengan menggunakan presented in the principle of comparability, for a minimum
prinsip daya banding (comparability), minimal dalam dua tahun of two consecutive years for users can analyze the Bank’s
berturut- turut. Dengan demikian, pengguna Laporan dapat performance trends. Besides data, the Bank’s 2023
melakukan analisis tren kinerja Bank. Selain menyajikan data, sustainability report also reports all material issues related
laporan keberlanjutan Bank tahun 2023 juga melaporkan to the Bank’s operations, including several explanations of
semua isu yang menjadi material terkait operasional Bank business activities.
mencakup pula beberapa penjelasan kegiatan usaha.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 559
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pernyataan Ulang & Perubahan Signifikan [2-4] Restatement & Significant Changes [2-4]
Bank Raya secara kontinu meningkatkan perbaikan kualitas Bank Raya consistently enhances the quality of report
isi laporan dalam cara penyajian informasi, modifikasi content via improved data collecting, altered measuring
metode pengukuran dan asumsi, atau pengumpulan data techniques, and information presentation. Restatements and
yang lebih baik. Jika terdapat perubahan, penyajian ulang their ramifications will be disclosed in the special disclosure
dan implikasinya akan diberitahukan dalam pengungkapan of the subject if there are any modifications. There won’t be
khusus hal tersebut. Pada tahun 2023, tidak ada pernyataan any restatements or major changes to the organization, core
ulang ataupun perubahan signifikan pada organisasi, bisnis business, value chain, or other business relations in 2023.
inti, rantai nilai, dan hubungan bisnis lainnya.
Dalam menentukan kualitas isi dan informasi laporan In determining the quality of the content and information of
keberlanjutan, Bank Raya mengacu pada standar GRI the sustainability report, Bank Raya refers to GRI standards
dengan mempertimbangkan enam prinsip pelaporan. by considering six reporting principles. The Bank always
Bank senantiasa mengakomodasi delapan prinsip-prinsip accommodates the following eight reporting principles:
pelaporan tersebut, antara lain sebagai berikut:
Akurasi Accuracy
Informasi yang disajikan harus akurat dan detail sehingga The information presented must be accurate and detailed to
dapat digunakan oleh para pemangku kepentingan untuk be used by stakeholders to assess the Bank’s performance.
menilai kinerja Bank.
Keseimbangan Balance
Kinerja Bank yang disajikan harus memuat aspek positif The Bank’s performance presented must contain both
maupun negatif sehingga dapat dinilai secara rasional. positive and negative aspects to be assessed rationally and
dan menyeluruh. comprehensively.
Kejelasan Clarity
Informasi yang disajikan harus mudah dipahami dan terbuka The information presented must be easy to understand and
bagi para pemangku kepentingan untuk diakses. open for stakeholders to access.
Komparabilitas Comparability
Informasi yang disajikan harus konsisten dan dapat digunakan The information presented must be consistent and can be
oleh pemangku kepentingan untuk menilai perubahan kinerja used by stakeholders to assess changes in performance that
yang terjadi pada Bank dalam jangka waktu tertentu, dapat occur at the Bank within a certain period of time, including
dengan menyertakan data dan informasi untuk beberapa data and information for several years prior to the reporting
tahun sebelum periode pelaporan yang digunakan. period used.
Kelengkapan Completeness
Informasi dalam laporan ini dengan lengkap menyajikan The information in this report completely presents activities,
aktivitas, peristiwa, dan dampak untuk periode pelaporan. events and impacts for the reporting period.
560 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Keandalan Reliability
Informasi yang disajikan harus mudah dipahami dan terbuka The information presented must be easy to understand and
bagi para pemangku kepentingan untuk diakses. open for stakeholders to access.
Desktop Material
Prioritize Validation Approval
Research Roadshow
Daftar Topik Material [3-2] [3-3] List of Material Topics [3-2] [3-3]
Topik material Bank dalam Laporan Keberlanjutan ini adalah The Bank’s material topics in this Sustainability Report
topik yang memiliki dampak signifikan dan prioritas kepada are topics that have a significant and priority impact on
keberlanjutan usaha Bank Raya. Dalam menentukan topik Bank Raya’s business sustainability. In determining priority
material prioritas, Bank telah mempertimbangkan relevant issues material topics, the Bank has considered relevant issues for
untuk masing-masing sektor industri dimana kami beroperasi. each of its industry.
Daftar topik material yang telah ditentukan melalui lima List of material topics determined through the five-stage
tahap proses dalam Materiality Framework Bank Raya untuk process in Bank Raya’s Materiality Framework for this report
laporan ini adalah: is:
1. Kinerja Ekonomi 1. Economic Performance
2. Dampak ekonomi tidak langsung 2. Indirect economic impact
3. Anti korupsi 3. Anti-Corruption
4. Material 4. Material
5. Energi 5. Energy
6. Kepegawaian 6. Employment
7. Pelatihan dan pendidikan 7. Training and education
8. Kepatuhan 8. Compliance
9. Privasi pelanggan 9. Customer privacy
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 561
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
PT Bank Raya Indonesia Tbk berkomitmen untuk menjalankan PT Bank Raya Indonesia Tbk is committed to running its
bisnisnya dengan mempertimbangkan aspek 3P yaitu People, business by considering the 3P aspects, namely People,
Planet, dan Profit yang sejalan dengan Tujuan Pembangunan Planet and Profit which are in line with the Sustainable
Berkelanjutan (TPB) atau Sustainable Development Goals Development Goals (SDGs). This is in line with the national
(SGDs). Hal tersebut selaras dengan komitmen nasional commitment to efforts to improve public welfare by
dalam upaya mensejahterakan masyarakat dengan terus continuing to strive to achieve the SDGs as a priority so as to
mengupayakan pencapaian target TPB sebagai prioritas provide long-term positive impacts. SDGs as a world agenda
sehingga memberikan dampak positif jangka panjang. aims to continuously maintain and improve economic and
Hadirnya TPB sebagai agenda dunia bertujuan untuk menjaga social welfare of the people on for enhancement of quality
dan meningkatkan kesejahteraan ekonomi maupun sosial of environmental and inclusive development in the years to
masyarakat secara berkesinambungan, sehingga kualitas come.
lingkungan hidup serta pembangunan yang inklusif dapat
terus meningkat dari satu generasi ke generasi berikutnya.
562 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Dengan kontribusi positif serta dukungannya terhadap With its positive contribution and support for SDG
pencapaian TPB, Bank Raya telah menerapkan peraturan achievement, Bank Raya has implemented regulations
yang diterbitkan oleh Otoritas Jasa Keuangan (OJK) melalui issued by the Financial Services Authority (OJK) through OJK
Penerbitan Peraturan OJK No. 51/POJK.03/2017 tentang Regulation No. 51/POJK.03/2017 on the Sustainable Finance
Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Implementation for Financial Services Institutions, Issuers
Keuangan, Emiten, dan Perusahaan Publik yang mendorong and Public Companies which encourages financial services
lembaga jasa keuangan memberikan dukungan menyeluruh institutions to provide comprehensive support from the
dari industri jasa keuangan untuk pertumbuhan berkelanjutan financial services industry for sustainable growth resulting
yang dihasilkan dari keselarasan antara kepentingan from harmony between economic, social and environmental
ekonomi, sosial, dan lingkungan hidup. interests.
Bank Raya secara berkelanjutan senantiasa memperhatikan Bank Raya continually pays attention to environmental, social
aspek-aspek lingkungan, sosial, serta tata kelola yang baik and good corporate governance aspects as support and
sebagai bentuk dukungan serta kontribusi untuk menciptakan contribution to creating a sustainable economy. In addition,
perekonomian yang berkelanjutan. Selain itu, Bank Raya Bank Raya carries out regular comprehensive evaluations
melakukan evaluasi menyeluruh secara berkala terhadap of its long-term sustainability strategy by ensuring that all
strategi keberlanjutan jangka panjang dengan memastikan bank activities and investments are carried out in line with
seluruh kegiatan serta investasi bank telah dilakukan selaras sustainable development goals.
dengan tujuan pembangunan berkelanjutan.
Bank Raya percaya dengan kinerja yang selaras dengan Bank Raya believes that performance that is in line with
tujuan pembangunan berkelanjutan dapat meningkatkan sustainable development goals can improve the Bank’s
reputasi Bank sehingga dapat membuka peluang bisnis serta reputation to open up business opportunities and strong
kerja sama yang baik dengan seluruh pemangku kepentingan. rapport with all stakeholders. In addition, Bank Raya is
Selain itu, Bank Raya dapat memberikan kontribusi nyata able make concrete contribution to social, economic and
terhadap aspek sosial, ekonomi, maupun lingkungan yang environmental aspects with an impact on society.
akan berdampak bagi masyarakat.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 563
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam upaya untuk memberikan manfaat yang seluas-luasnya In effort to provide greater benefits to the community, the
bagi masyarakat, Bank melaksanakan sejumlah program Bank implements a number of community development and
pengembangan dan pemberdayaan masyarakat. Selain itu, empowerment programs while adhering to Bank values and
Bank juga menerapkan nilai-nilai dan kode etik yang dijadikan code of conduct as guidelines for all employees in interacting
pedoman bagi seluruh karyawan dalam berinteraksi dengan with all stakeholders. The Bank always ensures that all its
seluruh pemangku kepentingan. Secara berkesinambungan, business activities run in accordance with the Bank’s values,
Bank memastikan seluruh kegiatan bisnisnya berjalan sesuai culture and code of conduct.
dengan nilai, budaya, serta kode etik Bank.
Hingga 31 Desember 2023, kinerja keberlanjutan Bank As of December 31, 2023, Bank Raya’s sustainability
Raya menorehkan capaian unggul yang tercermin melalui performance recorded great achievements as reflected in
pengakuan eksternal. Bank Raya berhasil mendapatkan the external award won. Bank Raya was awarded as the Best
penghargaan sebagai Bank Pendukung Pembiayaan Keuangan Green Finance Supporting Bank (BNK KBMI 1 and 2) at the
Hijau Terbaik (BNK KBMI 1 dan 2) pada Bank Indonesia Award 2023 Bank Indonesia Award. With another manifestation of
2023. Komitmen jangka panjang Bank telah terbukti secara the Bank’s long-term commitment, Bank Raya continues to
menyeluruh sehingga menghadirkan dukungan bagi upaya support measures to reduce emissions and other adverse
pengurangan emisi serta dampak buruk lain bagi lingkungan impacts on the environment in line with the green banking
yang sejalan dengan prinsip green banking. principle.
564 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Dalam kegiatan operasional serta bisnisnya, Bank Raya In its operational and business activities, Bank Raya makes
secara bertahap melakukan penyesuaian tata kelola sehingga gradual governance adjustments to be in line with sustainable
dapat sejalan dengan prinsip keuangan berkelanjutan. Bank financial principles. Bank Raya has established a Special
Raya telah membentuk Tim Khusus Keuangan Berkelanjutan Sustainable Finance Team as the function responsible for
sebagai fungsi yang bertanggung jawab dalam pelaksanaan implementing the RAKB (Sustainable Finance Action Plan).
RAKB (Rencana Aksi Keuangan Berkelanjutan). Melalui fungsi Through this function, the Bank shares its awareness on the
ini, Bank memahami pentingnya koordinasi intensif dengan importance of intensive coordination with all stakeholders in
seluruh pemangku kepentingan dalam penerapan keuangan implementing sustainable finance.
berkelanjutan.
VISI DAN MISI KEBERLANJUTAN [C.1] SUSTAINABILITY VISION AND MISSION [C.1]
Visi: Vision:
“To Be Sustainable Digital Bank Focusing on Environment, “To Be Sustainable Digital Bank Focusing on Environment,
Social & Governance in Micro & SME Segment.” Social & Governance in Micro & SME Segment.”
Misi: Missions:
1. Memberikan pembiayaan berkelanjutan melalui produk 1. Offer sustainable financing through digital products with
- produk digital yang berdampak positif terhadap positive impact on the ecosystem and in accordance with
ekosistem dan sesuai tata kelola yang berlaku. applicable governance.
2. Mengembangkan produk digital yang mendukung 2. Develop digital products that support financing in the
pembiayaan pada segmen Mikro & SME berbasis Micro & SME segment based on Sustainability Green
Sustainability Green Economy. Economy.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 565
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3. Membangun ekosistem bisnis yang memperhatikan 3. Establish a business ecosystem that pays attention to
aspek sosial dan lingkungan bersama BRI Group untuk social and environmental aspects with the BRI Group to
membantu nasabah dalam pengembangan bisnisnya. support customers in developing their business.
4. Mempertimbangkan segara bentuk isu berkelanjutan 4. Account for sustainability issues in the provision of digital
dalam penyediaan produk dan layanan digital. products and services.
5. Menciptakan dan mengutamakan berlakunya Risk 5. Create and prioritize Risk Management and Good
Management dan Good Corporate Governance dalam Corporate Governance implementation in all business
segala pengembangan strategi bisnis dan operasional. and operational strategy developments.
566 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 567
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Hingga saat ini Bank masih berfokus untuk menjadi Up to this point, the Bank is still focused on becoming the
bank digital utama yang dapat memberikan akses luas main digital bank that can provide wide access to the micro
kepada masyarakat segmen mikro dan kecil. Selain untuk and small segments of society. Apart from increasing the
meningkatkan kecepatan dan kenyamanan transaksi, hal speed and convenience of transactions, this is also an effort
ini juga sebagai upaya untuk mengurangi dampak negatif to reduce the negative impact on the environment due to
terhadap lingkungan hidup akibat adanya pemakaian kertas the use of paper and vehicle fuel. However, there are several
dan bahan bakar kendaraan. Namun, terdapat beberapa challenges faced by the Bank, including:
tantangan yang dihadapi oleh Bank, diantaranya:
• Persaingan secara masif antar perbankan dan perusahaan • Massive competition between the Bank and other
finansial lainnya yang saling berlomba menciptakan Financial Companies to create superior services and
layanan dan produk unggulan untuk memenuhi kebutuhan products to fulfill people’s needs.
masyarakat.
• Pemahaman masyarakat luas mengenai layanan digital • The public awareness of digital banking services is still
perbankan masih minim meliputi akses konten layanan minimum, including the access to digital service content,
digital, risiko yang dapat ditimbulkan, dan juga aspek the risks that can arise, and other aspects.
lainnya.
• Infrastruktur yang digunakan dalam mendukung aktivitas • The infrastructure used to support digital service
layanan digital masih perlu ditingkatkan, terutama untuk activities still needs an improvement, especially to
memitigasi beberapa risiko yang dapat timbul seperti mitigate several risks that may arise, such as the risk of
risiko kebocoran data nasabah, risiko penggunaan pihak customer data leakage, the risk of third-party use, the
ketiga, risiko serangan siber, risiko keamanan jaringan, risk of cyber-attacks, the risk of network security, misuse
penyalahgunaan teknologi, dan lain sebagainya. of technology, and so on.
Bank terus berupaya melakukan pengembangan fitur The Bank continues to strive to develop e-banking features
e-banking agar sejalan dengan tujuan untuk menjadi entitas to be in line with its aim to become a leading entity in
terdepan dalam perbankan digital. Selain itu, bank juga digital banking. Apart from that, the Bank also carries out
melakukan kegiatan edukasi penggunaan layanan digital educational activities on the use of digital services to the
kepada masyarakat melalui program - program pemasaran public through marketing programs and literacy activities
dan aktivitas literasi pada social media dengan mengundang on social media by inviting speakers from both internal and
speaker dari internal Bank maupun eksternal seperti Content external Banks such as Content Creators, Financial Coaches,
Creator, Financial Coach, Founder, Financial Planner, dan lain Founders, Financial Planners, etc.
- lain.
568 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Prinsip keberlanjutan pada semua aktivitas bisnis terus The principle of sustainability in all business activities
diimplementasikan sehingga budaya keberlanjutan secara continues to be implemented for a comprehensive culture
menyeluruh dapat diterapkan. Sejumlah inisiatif telah of sustainability. The initiatives have been carried out by the
dilakukan oleh Bank mulai dari staf hingga jajaran manajemen Bank ranging from staff to the highest levels of management
tertinggi. Sejumlah langkah-langkah tersebut diantaranya: with the following details:
1. Menciptakan produk ramah lingkungan baik dari sisi 1. Creating environmentally friendly products both in
simpanan dan pinjaman yang mendukung tujuan terms of savings and loans that support Sustainability
pembangunan berkelanjutan (Sustainability Development Development Goals.
Goals).
2. Melakukan pengembangan fitur e-banking dan menambah 2. Developing e-banking features and increase the variety
variasi produk pnjaman sesuai kebutuhan nasabah. of loan products according to the customer needs.
3. Berpartisipasi dalam kegiatan enhancement seluruh 3. Participating in enhancement activities for all employees
pekerja untuk mengakuisisi nasabah baru agar to acquire new customers to use digital savings.
menggunakan tabungan digital saving.
4. Melakukan monitoring progress program Rencana Aksi 4. Monitoring the progress of the Sustainable Finance
Keuangan Berkelanjutan (RAKB) kepada seluruh divisi Action Plan (RAKB) program for all divisions to ensure
untuk memastikan pelaksanaan program telah berjalan that the program is running according to the set targets.
sesuai dengan target yang ditetapkan.
5. Melakukan sosialisasi budaya kerja green office pada 5. Socialization the green office work culture during morning
aktivitas doa pagi, diantaranya menghindari penggunaan prayer activities, including avoiding the use of plastic by
plastik dengan menggunakan tumbler/gelas pada saat using tumblers/drinking glasses during meetings and daily
rapat dan aktivitas pekerjaan sehari - hari, mengurangi work activities, reducing the electricity use by turning off
penggunaan listrik dengan mematikan lampu dan lights and unplugging the electricity during closing hours
mencabut aliran listrik ketika jam pulang kerja atau saat or when it’s not used, and reducing paper usage by using
tidak dipakai, dan mengurangi pemakaian kertas dengan alternative digital means for correspondence activities.
menggunakan alternatif sarana digital untuk kegiatan
surat - menyurat.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 569
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
hasil penilaian manajemen, kepatuhan regulasi, maupun compliance, as well as direct approaches to each stakeholder
dengan pendekatan langsung kepada masing-masing through filling out questionnaires, face-to-face meetings,
pemangku kepentingan melalui pengisian kuesioner, tatap communication or surveys.
muka, komunikasi, atau survei.
Responsibility (R) Kelompok atau individu yang memiliki, atau di masa depan mungkin memiliki, organisasi hukum, tanggung
jawab komersial, operasional atau etika/moral atau sebaliknya. / Groups or individuals who have, or may in
the future have, legal organization, commercial, operational or ethical/moral responsibilities or vice versa
Tension (T) Kelompok atau individu yang membutuhkan perhatian segera dari organisasi terkait dengan masalah
keuangan, ekonomi, sosial atau lingkungan yang lebih luas. / Groups or individuals requiring immediate
attention from the organization regarding broader financial, economic, social or environmental issues
Influence (I) Kelompok atau individu yang dapat berdampak pada Bank atau pemangku kepentingan pengambilan
keputusan strategis atau operasional. / Groups or individuals that can impact the Bank or its stakeholders
in strategic or operational decision-making
Diverse Perspective (DP) Kelompok atau individu yang pandangannya berbeda dapat mengarah pada pemahaman baru tentang
situasi dan identifikasi peluang untuk tindakan yang mungkin tidak terjadi. / Groups or individuals whose
views differ can lead to a new understanding of the situation and the identification of opportunities for
action that may not occur
Proximity (P) Kelompok atau individu yang memiliki kedekatan geografis dengan wilayah operasional Bank. / Groups or
individuals who have geographical proximity to the Bank's operational area
570 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Rekanan / D, R, T, P Transparansi dalam proses 1. Kontrak Pemasok / Melaksanakan sistem Minimal setahun
Partner Hubungan pengadaan / Transparency in Supplier Contract pengadaan yang mematuhi sekali melalui
ekonomi dan legal procurement process 2. Mitra investasi prinsip-prinsip panduan event vendor
/ Economic and / Investment kerja dan standar etika. / gathering / At
legal relations partners Implement procurement least once a year
3. Koordinasi system that adheres to work- through a vendor
operasional related concepts and ethical gathering event
/ Operational norms.
Coordination
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 571
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Selama tahun 2023 yang merupakan tahun ke empat 2023 marks the fourth year of Bank Raya’s sustainable finance
Bank Raya dalam menerapkan keuangan berkelanjutan implementation as regulated in POJK No. 51/POJK.03/2017
sebagaimana diatur dalam POJK No. 51/POJK.03/2017, Bank in which the Bank offers financing with a sustainable
telah berpartisipasi dalam penyaluran pinjaman dengan financial concept through Pinang (Digital Lending) products,
konsep keuangan berkelanjutan melalui produk Pinang channeling of collaboration with external parties, and savings
(Digital Lending), kerja sama channeling dengan pihak products (Digital Saving).
eksternal, dan produk simpanan (Digital Saving).
Bank Raya berkomitmen untuk menerapkan prinsip Bank Raya is committed to implementing sustainability
keberlanjutan pada semua aktivitas dan setiap jenjang principles in all activities and at every level of the
organisasi. Karena itu, Bank berupaya untuk membangun organization. Therefore, the Bank strives to build a culture
budaya keberlanjutan pada setiap jenjang organisasi, mulai of sustainability to all staffs and management. In building a
dari staf hingga jajaran manajemen. Berbagai inisiatif telah culture of sustainability, the Bank has implemented various
dilaksanakan Bank untuk membangun budaya keberlanjutan. initiatives.
572 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Bank Raya memiliki tujuan jangka panjang RKAB hingga 2025 Bank Raya has a long-term RKAB goal until 2025, namely
yakni meningkatkan daya tahan dan daya saing Bank dalam increasing the Bank’s resilience and competitiveness in
menghadapi tantangan dunia perbankan yang semakin facing the challenges of an increasingly dynamic banking
dinamis. Berikut ini merupakan uraian mengenai pencapaian scene. The following is a description of the achievements
serta target penerapan keuangan jangka panjang yang and targets for implementing long-term finance carried out
dilakukan oleh Bank Raya selama tahun 2023. by Bank Raya during 2023.
Penanggung Jawab
Uraian Kegiatan / Pencapaian Per 31 Desember 2023 / TPB /
No. Target Kegiatan / Party in
Description Achievements of December 31, 2023 SDGs
Charge
1. Meningkatkan growth Tumbuh sebesar 10% (sepuluh Sampai dengan TW IV 23 pencapaian kredit UMKM • SLP 1, 2, 3 & 8
kredit kepada usaha persen) dari portofolio UMKM sebesar Rp2.007,34 miliar (118,69%) dari total target • RBO
kategori Usaha Mikro sebesar Rp1.691,30 miliar. / sebesar Rp1.691,30 miliar. / As of Q4 23, MSME • LPM
Kecil Menengah Grow 10% (ten percent) of the achievement was Rp2,007.34 billion (118.69%) of the
(UMKM) sektor Gig MSME portfolio at Rp1,691.30 total target of Rp1,691.30 billion.
Ekonomi Berwawasan billion. • Pencapaian Pinang Performa sebesar Rp49,miliar
Lingkungan. / Increase / Pinang Performa’s achievement was Rp40.94
credit growth to business billion
category of Micro, Small • Pencapaian Pinang Maksima sebesar Rp251,miliar.
and Medium Enterprises / Pinang Maksima’s achievement was Rp251.93
(MSMEs) in the Eco- billion
Friendly Gig Economy • Pencapaian KUR sebesar Rp49,55 miliar. / KUR
sector. achievement was Rp49.55 billion.
2. Mengakuisisi dana - dana Tumbuh 5% dari total DPK Sampai dengan TW IV 23, pencapaian Tabungan FMN 8 & 12
dari Nasabah yang sudah berwawasan lingkungan Digital Saving sebesar Rp839,25 miliar (129,74%) dari
mendukung Program sebesar Rp646,87 M. / Grow total target sebesar Rp646,87 miliar. / As of Q4 23,
Keuangan Berkelanjutan. 5% of total eco-friendly TPF the achievement of Digital Savings was Rp839.25
/ Acquiring funds from amounting to Rp646.87 billion. billion (129.74%) of the total target of Rp646.87
Existing customers that billion.
supports the Sustainable
Finance Program.
3. Mengadakan e-learning Tingkat kelulusan 50% Peserta. Pelaksanaan e-learning dilakukan pada Bulan HCP 4&8
topik Keuangan / Pass rate of 50% Participants. September 2023 melalui aplikasi e–learning Bank
Berkelanjutan ke Pekerja. Raya. / e-learning was carried out in September 2023
/ Holding e-learning on via Bank Raya e-learning application.
Sustainable Finance
topics to Worker.
4. Pendidikan untuk Jajaran 1 Batch. Pada Desember 2023 telah dilaksanakan webinar • SLP 4&8
pekerja di KP dan UKO dengan PT. Pindo Deli Pulp & Paper Mills yang • RBO
ke instansi bersertifikasi membahas konsep manajemen lingkungan ISO • LPM
lingkungan. / Education 14001:2015 dan langkah penerapan ISO 14001:2015 / • HCP
for workers in KP and In December 2023, a webinar was held with PT. Pindo
UKO with licensed eco- Deli Pulp & Paper Mills which discussed management
friendly agencies. draft ISO 14001:2015 environment and measures to
implement ISO 14001:2015
5. Program Desa Binaan 1 Cluster di 2023. / 1 Cluster in Kegiatan cluster binaan dilaksanakan 3 (tiga) cluster CSC 1, 2, 3, 4
dan kegiatan Edukasi 2023. yaitu Solo pada November 2023, Malang pada & 11
Literasi Keuangan / Desember 2023 dan Semarang pada Desember
Assisted Village Program 2023. Kegiatan ini berupa festival kulineran yang
and Financial Literacy mengikutsertakan perkumpulan paguyuban dengan
Education activities. total 120 UMKM. Dalam kegiatan tersebut, Bank Raya
melakukan pemasaran aplikasi digital saving dan
mensyaratkan transaksi pembelian food & beverages
menggunakan QRis Bank Raya./ The assisted cluster
activities is carried out in 3 (three) clusters: Solo
in November 2023, Malang in December 2023 and
Semarang in December 2023. This activity is the
form of a culinary festival, including community
associations with 120 MSMEs in total. In this activity,
Bank Raya markets its digital savings application and
requires food & beverages purchase transactions to
use Bank Raya’s QRis.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 573
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Penanggung Jawab
Uraian Kegiatan / Pencapaian Per 31 Desember 2023 / TPB /
No. Target Kegiatan / Party in
Description Achievements of December 31, 2023 SDGs
Charge
6. Kegiatan Budaya Kerja 1. Penggunaan tumbler/gelas di 1. Penggunaan tumbler/gelas sudah dilaksanakan • HCP 3 & 13
Green Office. / Green setiap rapat & training. / Use untuk meeting di hotel dan online meeting. / Use • FAM
Office Work Culture. of tumbler/glasses in each of tumbler/ glasses for meetings in hotels and • COP
meetings & training. online meetings.
2. Penurunan Penggunaan ATK 2. Penggunaan ATK (kertas) sampai TW IV 2023
(Kertas) 10% dari tahun 2022 sebanyak 1.411 Rim (maksimal penggunaan ATK
sebesar 1.483 Rim. / Reduce sampai dengan TW IV 2023 sebesar 1.483 Rim). /
the use stationery (paper) by Use of stationary (paper) until Q4 2023 was 1,411
10% in 2022 at 1,483 Reams. reams (maximum stationary usage up to Q4 2023
3. Peningkatan utilitas Agropos amounting to 1,483 ream).
/ email 10% dari tahun 3. Penggunaan Agropos/email sampai TW IV
2022 sebesar 28.006 (surat 2023 sebanyak 16.548 surat keluar (minimal
keluar). / Enhance the use penggunaan Agropos sampai dengan TW IV 2023
of Agropos/email by 10% in sebesar 28.006 surat keluar). / Use of Agropos/
2022 amounting to 28,006 email until Q4 2023 amounted to 16,548 outgoing
(outgoing letters). letters (minimum usage Agropos until Q4 2023
4. Kendaraan operasional was 28,006 outgoing letters).
seluruhnya sudah lolos uji 4. Sampai dengan TW IV 2023 telah dilakukan uji
emisi. / Almost all operation emisi pada 2 unit kendaraan operasional lama
vehicle has passed the dan membeli 9 unit kendaraan operasional
emissions test. baru yang telah lolos uji emisi. / As of Q4 2023,
5. Penurunan penggunaan Emission tests were carried out on 2 old
listrik (Kwh). / Reduce the operational vehicles followed by purchase of 9
use of electricity (Kwh) new operational vehicles that has passed the
6. Penurunan penggunaan emissions test.
bahan bakar listrik (liter). / 5. Penggunaan Listrik sampai TW IV 2023 sebesar
Reduce the use of electricity 543.201 Kwh dibandingkan dengan penggunaan di
fuel (liters). tahun 2022 sebesar 925.912 Kwh (turun 45,54%).
/ Electricity usage until Q4 2023 was 543,201 Kwh
compared to the usage in 2022 at 925,912 Kwh (a
decrease of 45.54%).
6. Penggunaan Bahan Bakar Minyak sampai TW IV
2023 sebesar 42.401 Liter dibandingkan dengan
penggunaan di tahun 2022 sebesar 36.456 Liter
(turun 16,35%). / Use of Fuel until Q4 2023 as
42,401 liters compared to 2022 at 36,456 liters (a
decrease of 16.35%).
7. Sosialisasi Keuangan CA dan CL di semua Setiap doa pagi Divisi dan Direktorat telah dilakukan • HCP 4
Berkelanjutan dari UKO sosialisasi 2 kali. / sosialisasi new building new culture seperti: / Every • RBO
Tim Budaya kerja Dissemination of CA and CL in morning prayer for Divisions and Directorates, • KC, CB, KCP
untuk meningkatkan all UKO 2 times. socialization of new building new culture is carried
employee participation out, such as:
& engagement. / 1. Hemat energi. / Energy saving.
Dissemination of of 2. Menyimpan berkas penting dan memastikan meja
Sustainable Finance kerja bersih. / Store important files and ensure
from the Work Culture the work desk is clean.
Team to increase 3. Membuang sampah pada tempatnya dan pilah
employee participation & sampah. / Throw rubbish in the right place and
engagement. sort the rubbish.
4. Menggunakan tumblr sendiri. / Using own tumbler.
8. Evaluasi dan Update 100% Telah diterbitkan kebijakan Penetapan Tim Khusus ERM 11
Kebijakan RAKB. / RAKB pada 31 Mei 2023. / The policy for Determining
Evaluation and Update of a Special RAKB Team has been published on May 31,
RAKB Policy. 2023.
574 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Penanggung Jawab
Uraian Kegiatan / Pencapaian Per 31 Desember 2023 / TPB /
No. Target Kegiatan / Party in
Description Achievements of December 31, 2023 SDGs
Charge
9. Evaluasi kebijakan • 50% (seratus persen) Evaluasi dan review kebijakan & Prosedur • COP 16
bidang perkreditan kebijakan perkreditan. / 50% Implementasi RAKB pada kebijakan kredit telah • PCP
dan supporting yang (one hundred percent) of dilaksanakan pada kebijakan sebagai berikut: / • DOP
mendukung keuangan credit policy. Evaluation and review of RAKB implementation
berkelanjutan. / • 50% (lima puluh persen) policies & procedures on credit policies have been
Evaluation of loan and kebijakan operasional. / 50% carried out in the following policies:
supporting policies for (fifty percent) of operational 1. Kebijakan kredit Pedoman Pelaksanaan
sustainable finance. policy. Kredit Mikro. / Credit policy on Micro Credit
Implementation Guidelines
2. Pinang Flexi Kerja Sama Khusus. / Pinang Flexi
Special Cooperation
3. SOP Digital Collection.
4. PPK Fintech.
5. Pinang PARI Maksima.
6. Pinang Maksima
7. SOP Robotic Process Automation (RPA).
8. SE Pinang Dana Talangan.
9. SE Pinang Flexi.
10. SOP Pinang Flexi.
11. Petunjuk Teknis Pengisian Form Pada Aplikasi
Pinang Prakarsa. / Technical Instructions for
Filling Out the Form in the Pinang Prakarsa
Application
12. SOP Dashboard Aplikasi Pinang Connect.
13. SE Pinang Performa Pro.
14. SE Pinang Connect.
15. SE Performa Merchant Financing for Digital
Partner. / SE Merchant Financing Performance
for Digital Partners
16. SOP Performa Merchant Financing for Digital
Partner. / SOP for Merchant Financing
Performance for Digital Partners
10. Kesetaraan gender. / Employment at least 25% Berdasarkan Jenis Kelamin / By Gender • HCP 5
Gender equality pekerja perempuan. / • Pekerja Pria 553 (58.39%) / Male Workers 553 • CMG
Employment of at least 25% (58.39%)
female workers. • Pekerja Wanita 394 (41.61%) / Female Workers 394
(41.61%)
(25% pekerja perempuan • Total 947
menduduki posisi middle up
manajer). / (25% of female • BOD-1 : 9 Pekerja dari total 14 Pekerja (64,29%) / 9
workes occupy middle up workers out of a total of 14 workers (64.29%)
manager position). • BOD-2 : 11 Pekerja dari total 24 Pekerja (45,83%) /
11 workers out of a total of 24 workers (45.83%)
• BOD-3 : 25 Pekerja dari total 67 Pekerja (37,31%) /
25 workers out of a total of 67 workers (37.31%)
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 575
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pemegang Saham dan Para Pemangku Kepentingan yang Honorable Shareholders and Stakeholders,
Terhormat,
Mari kita panjatkan puji syukur ke hadirat Tuhan Yang Maha Let us offer our gratitude to the presence of the Almighty
Esa, karena atas rahmat-Nya Bank Raya mampu memberikan God, for by His grace Bank Raya was able to generate optimal
kinerja yang optimal di tahun ini. Sebagai salah satu performance this year. As one of the banking business actors
pelaku usaha perbankan di Indonesia, Bank Raya mampu in Indonesia, Bank Raya managed to maintain and improve
mempertahankan serta meningkatkan kinerja keberlanjutan its sustainability performance as an effort to provide added
sebagai salah satu upaya untuk memberikan nilai tambah bagi value for all stakeholders.
seluruh Pemangku Kepentingan.
Melalui Laporan Keberlanjutan ini, Kami menyampaikan kinerja Through this Sustainability Report, we would like to deliver
serta komitmen Bank dalam mewujudkan pertumbuhan the Bank’s performance and commitment to realizing
berkelanjutan, melalui berbagai inisiatif yang meliputi aspek sustainable growth through various initiatives, covering ESG
lingkungan, sosial, dan tata kelola perusahaan atau ESG (Environment, Social, Governance) aspects. We hope that
(Environtment, Social, Governance). Kami berharap, Perseroan the Company can continue to create business sustainability
dapat terus menciptakan keberlanjutan usaha seiring dengan in line with optimal success in realizing optimal sustainable
optimalnya keberhasilan dalam perwujudan pertumbuhan growth.
berkelanjutan yang optimal.
576 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Bank juga merupakan capaian yang tidak terlepas dari adanya achievement realized thanks to the synergy of a number of
sinergi dari sejumlah pihak, termasuk pihak internal maupun parties, including internal and external parties to the Bank
eksternal Bank, hingga seluruh Pemangku Kepentingan. and all stakeholders.
Dalam upaya untuk memberikan manfaat yang seluas-luasnya In an effort to provide the widest possible benefits to
bagi masyarakat, Bank melaksanakan sejumlah program the community, the Bank holds a number of community
pengembangan dan pemberdayaan masyarakat. Selain itu, development and empowerment programs. In addition,
Bank juga menerapkan nilai-nilai dan kode etik yang dijadikan the Bank has values and a code of conduct as guidelines
pedoman bagi seluruh Pekerja dalam berinteraksi dengan for all employees in interacting with all stakeholders. The
seluruh pemangku kepentingan. Secara berkesinambungan, Bank continuously ensures that all business activities are
Bank memastikan seluruh kegiatan bisnisnya berjalan sesuai in accordance with the Bank’s values, culture, and code of
dengan nilai, budaya, serta kode etik Bank. conduct.
Hingga 31 Desember 2023, kinerja keberlanjutan Bank As of December 31, 2023, Bank Raya’s sustainability
Raya menorehkan capaian unggul yang tercermin melalui performance recorded great achievements as reflected in
pengakuan eksternal. Bank Raya berhasil mendapatkan awarding of external accolades, namely as the Best Green
penghargaan sebagai Bank Pendukung Pembiayaan Keuangan Finance Supporting Bank (BNK KBMI 1 and 2) at the 2023 Bank
Hijau Terbaik (Bank KBMI 1 dan 2) pada Bank Indonesia Award Indonesia Award. This achievement shows the Bank’s long-
2023. Komitmen jangka panjang Bank telah terbukti secara term commitment towards efforts to reduce emissions and
menyeluruh sehingga menghadirkan dukungan bagi upaya other adverse impacts on the environment in line with the
pengurangan emisi serta dampak buruk lain bagi lingkungan green banking principles.
yang sejalan dengan prinsip green banking.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 577
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Dalam kegiatan operasional serta bisnisnya, Bank Raya secara In its operations and business activities, Bank Raya gradually
bertahap melakukan penyesuaian tata kelola sehingga dapat makes governance adjustments in line with sustainable
sejalan dengan prinsip keuangan berkelanjutan. Bank Raya financial principles. Bank Raya has established a Sustainable
telah membentuk Tim Task Force Keuangan Berkelanjutan Finance Task Force as the function in charge of implementing
sebagai fungsi yang bertanggung jawab dalam pelaksanaan RAKB (Sustainable Finance Action Plan). Through this
RAKB (Rencana Aksi Keuangan Berkelanjutan). Melalui fungsi function, the Bank manifests its awareness of the
ini, Bank memahami pentingnya koordinasi intensif dengan importance of intensive coordination with all stakeholders in
seluruh pemangku kepentingan dalam penerapan keuangan implementing sustainable finance.
berkelanjutan.
Pada aspek sosial, hingga akhir 31 Desember 2023, Bank On the social aspect, Bank Raya invested Rp856 million in
Raya telah mengeluarkan investasi dana CSR sebesar Rp856 CSR funds as of December 31, 2023, an increase from Rp708
juta, meningkat dari tahun 2022 yang sebesar Rp708 juta. million in 2022. Meanwhile, from the environmental aspect,
Sementara pada aspek lingkungan, Bank Raya berhasil Bank Raya succeeded in recording electricity and water
mencatatkan penghematan listrik dan air masing-masing savings of 47.95% and 5.72% respectively. This is a good
sebesar 47,95% dan 5,72%. Ini merupakan capaian yang baik achievement with a significant increase compared to the
dengan peningkatan yang signifikan dari tahun sebelumnya. previous year. We hope that these achievements can be
Kami berharap, capaian ini dapat terus ditingkatkan dan further improved and refined to realize Bank Raya’s long-term
disempurnakan sehingga pertumbuhan jangka panjang Bank growth.
Raya dapat terwujud.
Selama tahun 2023 yang merupakan tahun ke empat 2023 marked the fourth year in which Bank Raya has been
Bank Raya dalam menerapkan keuangan berkelanjutan implementing sustainable finance as regulated in POJK No.
sebagaimana diatur dalam POJK No. 51/POJK.03/2017, 51/POJK.03/2017. The Bank has participated in lending with
Bank telah berpartisipasi dalam penyaluran pinjaman a sustainable financial concept through Pinang products
578 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
dengan konsep keuangan berkelanjutan melalui produk (Digital Lending), channeling collaboration with external
Pinang (Digital Lending), kerjasama channeling dengan pihak parties, and savings products (Digital Saving).
eksternal, dan produk simpanan (Digital Saving).
Bank Raya berkomitmen untuk menerapkan prinsip Bank Raya is committed to implementing sustainability
keberlanjutan pada semua aktivitas dan setiap jenjang principles in all activities and at every level of the organization.
organisasi. Karena itu, Bank berupaya untuk membangun Therefore, the Bank strives to build a culture of sustainability
budaya keberlanjutan pada setiap jenjang organisasi, mulai at every level of the organization, from staff to management.
dari staf hingga jajaran manajemen. Berbagai inisiatif telah The Bank has implemented various initiatives to build a
dilaksanakan Bank untuk membangun budaya keberlanjutan culture of sustainability at every organizational level, from
pada 2023, mencakup sejumlah fokus strategi berikut: staff to management. The Bank has implemented various
initiatives to build a sustainability culture in 2023, which
includes the following strategic focuses:
1. Meningkatkan growth kredit kepada usaha kategori 1. Increase credit growth to business category of Micro,
Usaha Mikro Kecil Menengah (UMKM) sektor Gig Ekonomi Small and Medium Enterprises (MSMEs) in the Eco-
Berwawasan Lingkungan, dengan pencapaian pada akhir Friendly Gig Economy sector, with achievement of
2023 sebesar Rp1.860,91 miliar (110,02%) dari total target Rp1,860.91 billion (110.02%) at the end of 2023 from the
sebesar Rp1.691,30 miliar. total target of Rp1,691.30 billion.
2. Mengakuisisi dana-dana dari Nasabah yang sudah 2. Acquire funds from existing Customers that supports the
mendukung Program Keuangan Berkelanjutan, dengan Sustainable Finance Program, with the achievement of
pencapaian Tabungan Digital Saving sebesar Rp775,35 Digital Savings of Rp775.35 billion (119.86%) from the total
miliar (119,86 %) dari total target sebesar Rp646,87 miliar. target of Rp646.87 billion.
3. Mengadakan e-learning topik Keuangan Berkelanjutan ke 3. Hold e-learning on Sustainable Finance topics to Worker,
Pekerja, dilakukan pada September 2023 melalui aplikasi organized in September 2023 via the Bank Raya e-learning
e–learning Bank Raya. app.
4. Pendidikan untuk Jajaran pekerja di KP dan UKO ke 4. Education for workers in KP and UKO with licensed eco-
instansi bersertifikasi lingkungan, dilaksanakan pada friendly agencies, organized in December 2023 through
Desember 2023 melalui webinar dengan PT Pindo Deli a webinar with PT Pindo Deli Pulp & Paper Mills which
Pulp & Paper Mills yang membahas konsep manajemen discusses the environmental management concept of ISO
lingkungan ISO 14001:2015 dan langkah penerapan ISO 14001:2015 and steps for implementing ISO 14001:2015.
14001:2015.
5. Program Cluster Desa Binaan dan kegiatan Edukasi 5. Assisted Village Cluster Program and Financial Literacy
Literasi Keuangan, dengan pelaksanaan pada (1) cluster Education activities, with implementation in (1) assisted
binaan di Solo mengikutsertakan perkumpulan paguyuban cluster in Solo involving community associations with a
dengan total 22 UMKM kuliner serta (2) cluster binaan di total of 22 culinary MSMEs as well as (2) assisted cluster
Malang yang membina komunitas kuliner dengan total 80 in Malang which fosters culinary communities with a total
pelaku niaga sipil Alun-Alun Kota Wisata Batu. Selain itu, of 80 civil commerce actors at Batu Tourist Town Square.
Bank mengadakan literasi Inspiraya sebanyak 28 kali. Furthermore, the Bank held Inspiraya literacy 28 times.
6. Kegiatan Budaya Kerja Green Office. 6. Green Office Work Culture.
7. Sosialisasi Keuangan Berkelanjutan dari Tim Budaya 7. Dissemination of of Sustainable Finance from the Work
kerja untuk meningkatkan employee participation & Culture Team to increase employee participation &
engagement, berupa sosialisasi “new building new culture” engagement, in the form of the “new building new culture”
pada masing-masing Divisi dan Direktorat setiap pagi. dissemination in each Division and Directorate every
morning.
8. Membentuk tim khusus yang menangani RAKB Bank Raya 8. Form a special team to handle Bank Raya’s RAKB on May
pada 31 Mei 2023. 31, 2023.
9. Evaluasi kebijakan bidang perkreditan dan supporting 9. Evaluation of credit and supporting policies that supports
yang mendukung keuangan berkelanjutan. sustainable finance.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 579
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
10. Memastikan komposisi karyawan Bank telah memenuhi 10. Ensure that the Bank’s employees composition meets
persentase karyawan perempuan, dengan realisasi pada the percentage of female employees, with the realization
akhir 2023 mencapai 41.61% karyawan perempuan atau that it reaches 41.61% of female employees or exceeds
telah melampaui target yang sebesar 25%. the target of 25% at the end of 2023.
PENUTUP CLOSING
Sebagai penutup, atas nama seluruh jajaran Direksi To conclude, on behalf of the Board of Directors, we would
mengucapkan terima kasih yang sebesar-besarnya kepada like to express our deepest gratitude to all parties who have
seluruh pihak yang telah mendukung keberlanjutan usaha supported the the Bank’s business sustainability. We really
Bank. Kami sangat mengapresiasi berbagai inisiatif strategis appreciate the various strategic sustainability initiatives that
keberlanjutan yang telah disusun dan diimplementasikan. have been prepared and implemented. We are aware that all
Kami menyadari, seluruh capaian Bank di tahun buku ini of the Bank’s achievements in this fiscal year are the result
merupakan hasil dari kerja keras dan dukungan dari semua of hard work and support from all parties so that Bank Raya
pihak sehingga Bank Raya mampu memberikan kinerja successfully provided the best sustainability performance to
keberlanjutan terbaik untuk mewujudkan perbankan yang realize sustainable banking.
berkelanjutan.
KINERJA KEBERLANJUTAN
z SUSTAINABILITY PERFORMANCE
580 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Berikut ini merupakan uraian mengenai kinerja ekonomi The following is a description of Bank Raya’s economic
Bank raya selama tahun 2023. performance during 2023.
Perbandingan Target dan Kinerja Produksi, Pendapatan, Comparison of Production Targets and Performance,
dan Laba Rugi [F.2] Revenue and Profit (Loss) [F.2]
2023 2022 2021
Uraian /
Description Realisasi / Pencapaian / Realisasi / Pencapaian / Realisasi / Pencapaian /
Target Target Target
Realization Achievement Realization Achievement Realization Achievement
Total Aset /
14.155.905 12.440.642 87,88% 14.182.290 13.898.775 98,00% 16.358.720 16.866.523 103,10%
Total Assets
Dana Pihak
Ketiga /
10.309.637 8.185.975 79,40% 10.301.021 9.814.901 95,28% 13.704.141 13.496.292 98,48%
Third-Party
Funds
Kredit yang
Diberikan / 8.196.162 6.893.331 84,10% 7.927.255 7.766.644 97,97% 12.607.811 11.608.327 92,07%
Loans
Pendapatan
Bunga Bersih
466.410 487.829 104,59% 576.724 660.436 114,52% 719.114 873.569 121,48%
/ Net Interest
Income
Pendapatan
Fee Based /
14.524 13.059 89,91% 16.426 14.952 91,03% 12.741 21.579 169,37%
Fee Based
Income
Laba (Rugi)
Bersih / Net 22.667 24.351 107,43% 47.423 11.461 24,17% (3.320.297) (3.045.701) 109,02%
Profit (Loss)
Perbandingan Target dan Realisasi Investasi pada Proyek Comparison of Investment Targets and Realization in
Berwawasan Lingkungan [F.3] [F.4] Environmentally Friendly Projects [F.3][F.4]
Dalam Jutaan Rupiah In Millions of Rupiah
2023 2022 2021
Uraian /
Description Persentase / Persentase / Persentase /
Nominal Nominal Nominal
Percentage Percentage Percentage
Kegiatan UMKM / MSME activities 2.007.348 29,12 1.537.549 19,80 913.077 0,01
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Nilai Ekonomi Langsung yang Dihasilkan dan Direct Economic Value Generated and Distributed [201-1]
Didistribusikan [201-1]
Nilai ekonomi langsung yang dihasilkan merupakan sejumlah The direct economic value generated is a number of incomes
pendapatan yang diperoleh dari hasil kegiatan perbankan derived from the results of banking activities and operating
dan pendapatan operasional. sementara itu, nilai ekonomi income. Distributed economic value, on the other hand, refers
yang didistribusikan merupakan sejumlah pengeluaran to a variety of outlays made for the Bank to boost economic
yang didistribusikan sebagai bentuk kontribusi Bank dalam growth and stakeholders’ welfare, including the payment of
meningkatkan pertumbuhan ekonomi para pemangku salaries, payments to the government in the form of taxes,
kepentingan yang meliputi pembayaran gaji, pembayaran OJK and LPS premiums, payments to investors, payments to
kepada pemerintah berupa pajak, premi OJK, maupun LPS, suppliers, and social investment (CSR).
pembayaran kepada pemodal, pembayaran untuk pemasok,
serta investasi dana sosial (CSR).
Bank juga mencatatkan nilai ekonomi yang ditahan yang In addition, the economic value retained is the result of
merupakan selisih antara nilai ekonomi yang dihasilkan subtracting the economic value dispersed from the economic
dikurangi dengan nilai ekonomi yang didistribusikan. value generated.
582 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Implikasi Finansial dan Risiko Serta Peluang Lain Akibat Financial Implications and Other Risks and Opportunities
Perubahan Iklim [201-2] Due to Climate Change [201-2]
Risiko perubahan iklim memiliki dampak signifikan baik Climate change risks have a significant impact both
secara langsung maupun tidak langsung terhadap kinerja directly and indirectly on economic performance, including
ekonomi, termasuk industri perbankan. Oleh karena itu, Bank the banking industry. Therefore, Bank Raya is optimizing
Raya mengoptimalkan evaluasi serta pemantauan terhadap evaluation and monitoring of climate change analysis
analisis perubahan iklim yang memiliki kemungkinan untuk which has the potential to have an impact on debtors and
memberikan dampak bagi debitur maupun calon debitur. potential debtors. This risk of climate change can affect
Risiko perubahan iklim ini dapat mempengaruhi kegiatan the operational activities of banking debtors as well as their
operasional debitur perbankan serta performa ekonominya economic performance which in the end can have an impact
yang pada akhirnya dapat memberikan pengaruh untuk on paying loans to the Bank.
membayar pinjaman yang telah diberikan oleh Bank.
Bank Raya secara konsisten melakukan upaya-upaya Bank Raya consistently makes efforts through green
melalui kegiatan pendanaan berbasis green funding (digital funding (digital saving), efficient and eco-friendly
saving), mengelola operasional perusahaan secara efisien company operation, formulation of policies related to
dan ramah lingkungan, perumusan kebijakan berkaitan loan disbursement, development of eco-sound products,
dengan penyaluran kredit, pengembangan produk, layanan, services and innovations, and implementation of education
maupun inovasi berwawasan lingkungan serta melaksanakan and training for employees, customers and the community
pendidikan dan pelatihan bagi pekerja, nasabah, maupun to create awareness of sustainable finance. In addition,
masyarakat untuk menciptakan kesadaran keuangan Bank Raya believes that innovation by turning challenges
berkelanjutan. Selain itu, Bank Raya percaya bahwa inovasi into opportunities can be realized amidst the risks of climate
dengan memanfaatkan tantangan menjadi peluang dapat change.
terwujud di tengah risiko perubahan iklim.
Mitigasi risiko lingkungan, sosial, dan tata kelola (LST) secara Risk mitigation is actively carried out by the Bank to minimize
aktif dilakukan oleh Bank guna meminimalkan dampak yang future impacts. The Bank actively participates in a number
akan terjadi kemudian. Bank secara aktif berpartisipasi dalam of sustainable initiatives, namely by financing (loans) which
sejumlah inisiatif berkelanjutan yaitu dengan pembiayaan refers to Loans Portfolio Guidelines (LPG) whose selection
(kredit) yang mengacu pada Loan Portfolio Guideliness (LPG) and evaluation process involves a number of environmental
yang proses seleksi dan evaluasinya melibatkan sejumlah and social risk mitigation efforts, through:
upaya mitigasi risiko lingkungan dan sosial, melalui:
a. Perizinan lengkap sesuai dengan peraturan yang berlaku; a. Complete permits in accordance with applicable
regulations;
b. Dokumen pengelolaan lingkungan berdasarkan sektor b. Environmental management documents based on
industri, termasuk AMDAL; surat izin atau sertifikasi industrial sector, including AMDAL; management
manajemen termasuk RSPO/ISPO untuk perusahaan permit or certification including RSPO/ISPO for oil palm
perkebunan kelapa sawit. plantation companies.
Kewajiban Program Imbalan Pasti dan Program Pensiun Defined Benefit Plan and Other Pension Plan Obligations
Lainnya [201-3] [201-3]
Sesuai dengan Undang-undang No. 13/2003 tentang In accordance with Law No. 13/2003 on Employment,
Ketenagakerjaan, termasuk di dalamnya berkaitan dengan including those related to pensions or post-employment
uang pensiun atau imbalan pasca kerja, Bank Raya benefits, Bank Raya is committed to fulfilling employee
berkomitmen untuk memenuhi hak-hak karyawan. Dengan rights. By fulfilling this, the Bank has also carried out its
pemenuhan ini, Bank juga telah melaksanakan kewajibannya obligations in providing direct economic value to employees.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 583
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
dalam memberikan nilai ekonomi langsung kepada karyawan. In addition, the Bank includes employees in the Pension Plan
Selain itu, Bank juga mengikutsertakan karyawan dalam and Retirement Program by BPJS Ketenagakerjaan as well as
Program Jaminan Hari Tua dan Jaminan Pensiun yang other programs provided by the Bank.
diselenggarakan oleh BPJS Ketenagakerjaan serta program
jaminan lainnya yang disediakan Bank.
Bank Raya memiliki program pensiun iuran pasti melalui Bank Raya has a defined contribution pension program
DPLK BRI dengan metode pendebetan gaji Pekerja setiap through the BRI DPLK with the method of debiting employee
bulannya ke rekening DPLK BRI, proporsi pembebanan 80% salaries every month to the BRI DPLK account, the proportion
ditanggung oleh Perusahaan dan 20% ditanggung oleh of expenses is 80% borne by the Company and 20% borne by
Pekerja. the employee.
Bantuan Keuangan yang Diterima dari Pemerintah [201-4] Financial Aid from the Government [201-4]
Selama tahun 2023, Bank Raya tidak mendapatkan bantuan During 2023, Bank Raya did not receive direct financial aid
finansial langsung dari pemerintah. from the government.
Dampak Ekonomi Tidak Langsung [203-1] [203-2] Indirect Economic Impact [203-1] [203-2]
Bank Raya berperan penting dalam mendukung ekonomi dan Bank Raya plays an important role in supporting the economy
pembangunan berkelanjutan dengan memberikan dampak and sustainable development by providing direct and indirect
ekonomi langsung maupun tidak langsung. Sebagai lembaga economic impacts. As a financial services institution, Bank
jasa keuangan, Bank Raya berupaya untuk terus memberikan Raya strives to continue to provide the widest possible
manfaat yang seluas-luasnya untuk para pemangku benefits to its stakeholders. Therefore, the Bank consistently
kepentingan. Oleh karena itu, Bank secara konsisten empowers the local economy by providing loans to Small
memberdayakan ekonomi lokal dengan memberikan kredit and Medium Enterprises (MSMEs) to encourage business
kepada pelaku Usaha Kecil dan Menengah (UMKM) untuk growth at the micro level. In addition, the Bank opens up job
mendorong pertumbuhan bisnis di tingkat mikro. Selain itu, opportunities by opening employee recruitment around the
Bank membuka lapangan kerja dengan membuka rekrutmen Bank’s operational areas. The Bank also opens opportunities
pegawai di sekitar wilayah operasional Bank. Bank juga for local business actors to become suppliers or vendors
membuka peluang bagi pelaku usaha lokal untuk menjadi of goods and services needed by the Bank. During 2023,
pemasok atau vendor barang dan jasa yang dibutuhkan Bank. the Bank worked with 218 suppliers consisting of 217 local
Selama tahun 2023, Bank telah bekerja sama dengan total 218 suppliers and 1 overseas supplier. A complete description
pemasok yang terdiri dari 217 pemasok lokal dan 1 pemasok of the Bank’s supply chain has been explained in the Profile
asing. Uraian lengkap mengenai rantai pasokan Bank telah Chapter. [204-1]
dijelaskan pada Bab Profil. [204-1]
Bank juga telah melakukan investasi sosial melalui The Bank has also made social investments through the
pelaksanaan program-program Tanggung Jawab Sosial implementation of Social Responsibility (TJSL) programs to
(TJSL) untuk mendukung pencapaian Tujuan Pembangunan support the achievement of the Sustainable Development
Berkelanjutan (TPB). Selama tahun pelaporan, Bank Raya Goals (SDGs). During the reporting year, Bank Raya has
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LAPORAN KEBERLANJUTAN
Sustainability Report group
telah membantu pembangunan sejumlah infrastruktur assisted in the construction of a number of infrastructures as
sebagai investasi yang bermanfaat bagi masyarakat investments that benefit the local community. The following
setempat. Berikut ini merupakan investasi Bank terhadap is the Bank’s investment in infrastructure development,
pembangunan infrastruktur, sarana maupun prasarana public facilities and infrastructure in 2023. [203-1][413-1]
umum di tahun 2023. [203-1] [413-1]
Sarana/Prasarana/Infrastruktur / Facilities/Infrastructure Dampak Kepada Masyarakat / Impact on Society
Mendukung kelancaran kegiatan pembelajaran di STIE, SMA dan
Renovasi Sekolah di Pekanbaru / School Renovation in Pekanbaru MTS Riau / Supports the smooth running of learning activities at
Economic College, High School, and MTS in Riau
Membantu kelancaran operasional usaha bagi Paguyuban Kuliner
Bantuan Tenda Cluster Kuliner Keprabon Solo / Keprabon Solo
Keprabon Solo / Supports the smooth running of business
Culinary Cluster Tent Assistance
operations for the Keprabon Solo Culinary Association
Membantu kelancaran operasional usaha bagi Paguyuban Kuliner
Bantuan Meja dan Kursi Cluster Alun-Alun Batu Malang / Assistance
Alun-Alun Batu / Supports the smooth running of business
for Cluster Tables and Chairs in Alun-Alun Batu Malang
operations for the Alun-Alun Batu Culinary Association
Membantu kelancaran operasional usaha bagi Pujasera Hayamwuruk
Bantuan Tenda Cluster Pujasera Hayamwuruk Semarang /
Semarang / Supports smooth business operations for Hayamwuruk
Hayamwuruk Semarang Food Court Cluster Tent Assistance
Semarang Food Court
Beberapa kegiatan sosialisasi dan pelatihan anti korupsi yang Several anti-corruption outreach and training activities
dijalankan Bank Raya tahun 2023 adalah sebagai berikut: carried out by Bank Raya in 2023 are as follows:
1. Bank Raya telah melakukan Monitoring dan Pembinaan 1. Bank Raya has carried out Monitoring and Development in
Unit kerja di 6 (enam) Unit Kerja Operasional terkait 6 (six) Operational Work Units related to the Anti-Bribery
Sistem Manajemen Anti Penyuapan dan Pengendalian Management System and Gratification Control from June
Gratifikasi yang dimulai dari tanggal 14 Juni 2023 sampai 14, 2023 to August 16, 2023.
dengan tanggal 16 Agustus 2023.
2. Bank Raya telah melaksanakan e-learning Sistem 2. Bank Raya has implemented an e-learning Anti-Bribery
Manajemen Anti Penyuapan dan Pengendalian Gratifikasi and Gratuity Control Management System on November
yang pelaksanaannya dilakukan pada tanggal 16 16, 2023 to November 30, 2023 using the Raya E-Learning
November 2023 sampai dengan tanggal 30 November application media for all Head Office Work Units and
2023 dengan menggunakan media aplikasi Raya Operational Work Units.
E-Learning kepada seluruh Unit Kerja Kantor Pusat dan
Unit Kerja Operasional.
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
3. Bank Raya telah melaksanakan Seminar Anti Fraud dan 3. Bank Raya held an Anti-Fraud and Gratuity Control
Pengendalian Gratifikasi pada tanggal 10 November Seminar on November 10, 2023, with presenters from BRI
2023, dengan pemateri dari BRI dan Kejaksaan, yang and the Prosecutor’s Office, which was carried out as a
pelaksanaannya dilakukan secara Hybrid Training sebagai Hybrid Training as follows:
berikut:
a. Offline Training : Ruang Serbaguna Lt. 19 Menara a. Offline Training: Multipurpose Room Fl. 19 Menara
BRILiaN Gatot Subroto BRILiaN Gatot Subroto
b. Online Training : Workstation Masing-masing (via b. Online Training: Each Workstation (via Zoom Meeting)
Zoom Meeting)
4. Bank Raya telah melaksanakan Surveillance Audit ISO 4. Bank Raya has implemented a Surveillance Audit ISO
37001:2016 Sistem Manajemen Anti Penyuapan (SMAP) 37001:2016 Anti-Bribery Management System (SMAP)
dengan ruang lingkup pengadaan barang dan jasa pada with the scope of procurement of goods and services
Bagian General & Logistic serta Bagian IT Procurement in the General & Logistics Section as well as the IT
- Divisi Finance & Asset Management dengan Unit Kerja Procurement Section - Finance & Asset Management
pendukung antara lain Divisi Legal & Compliance, Divisi Division with supporting Work Units including the Legal
Enterprise Risk Management, Internal Audit/SKAI dan & Compliance Division, Enterprise Risk Management
Divisi Human Capital pada tanggal 21-22 Desember Division, Internal Audit/SKAI and Human Capital Division
2023, dengan hasil Bank Raya masih mempertahankan on December 21-22, 2023, resulting in maintenance of
sertifikat ISO 37001:2016 SMAP. Bank Raya ISO 37001:2016 SMAP certificate.
5. Salah satu Upaya Sosialisasi Anti Penyuapan yang 5. One of the Anti-Bribery Socialization Efforts carried out
dilakukan adalah memasang banner di portal Jagat Raya is placing banners on the Jagat Raya portal and the Bank
dan Website Bank Raya. Raya Website.
6. Bank Raya telah melaksanakan Sosialisasi Whistleblowing 6. Bank Raya disseminated Whistleblowing System (WBS) in
System (WBS) pada Bulan Juli 2023 menggunakan July 2023 using the g-meet/online meeting platform for
platform g-meet/online meeting kepada seluruh Pekerja all Bank Raya Employees.
Bank Raya.
7. Bank Raya telah melakukan review kebijakan Sistem 7. Bank Raya has reviewed the Anti-Bribery Management
Manajemen Anti Penyuapan dengan menerbitkan SE System policy by issuing Board of Directors Circular
Direksi No.SE.B.61/Dir.01.04/PCP/LCA/12/2023 tanggal No.SE.B.61/Dir.01.04/PCP/LCA/12/2023 dated December
18 Desember 2023 perihal Pedoman Pelaksanaan Sistem 18, 2023 on Guidelines for Implementing the Anti-Bribery
Manajemen Anti Penyuapan. Management System.
586 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Selain itu, sebagai upaya pencegahan terhadap praktik As an effort to prevent corrupt practices within the Bank,
korupsi di lingkungan Bank, Bank Raya juga telah memiliki Bank Raya also has a whistleblowing system which can be
sistem pelaporan pelanggaran (whistleblowing system) easily accessed by all Bank Raya personnel to report if there
yang dapat dengan mudah diakses oleh seluruh Insan Bank are indications of fraud involving Bank Raya personnel. With
Raya untuk melaporkan jika terdapat indikasi fraud yang this commitment, in 2023, there were no proven incidents
melibatkan Insan Bank Raya. Dengan komitmen tersebut, of corruption so no action will be taken regarding these
pada 2023, tidak terdapat insiden korupsi yang terbukti incidents. [205-3]
sehingga tidak terdapat tindakan yang diambil atas insiden
tersebut. [205-3]
Dalam mengelola dan meminimalkan dampak operasional In managing and minimizing the impact of the Bank’s
Bank terhadap lingkungan, Bank berkomitmen untuk operations on the environment, the Bank is committed
melakukan efisiensi penggunaan material yang bersumber to making efficient use of materials sourced from natural
dari sumber daya alam. Selain itu, Bank Raya telah resources. In addition, Bank Raya has provided electronic
menyediakan produk dan layanan keuangan elektronik financial products and services for customers to reduce
bagi nasabah untuk mengurangi pemakaian kertas dan paper and energy consumption. Electronic services have
energi. Layanan elektronik juga telah diterapkan untuk also been implemented for the Bank’s internal procedures. In
prosedur internal Bank. Dalam rangka penerapan keuangan implementing sustainable finance, the Bank has implemented
berkelanjutan, Bank telah menerapkan due diligence yang due diligence that checks the completeness of prospective
memeriksa kelengkapan izin lingkungan calon nasabah customers’ environmental permits and their implementation.
dan pelaksanaannya. Bank juga sudah memulai untuk The Bank has also started to review environmental aspects in
mengkaji ulang untuk aspek lingkungan dalam profil risiko the Bank’s credit risk profile. [F.5]
kredit Bank. [F.5]
Dampak lingkungan dari Bank terbilang cukup terbatas The Bank has limited environmental impact as its business
karena kegiatan bisnis Bank tidak berdampak secara activities has no direct impact on the environment. However,
langsung terhadap lingkungan. Meskipun demikian, kegiatan Bank office operations of energy, water and paper usage
operasional kantor Bank yang berasal dari penggunaan can be minimized by implementing a number of efficiency
energi, air, dan pemakaian kertas dapat diminimalkan dengan efforts. The bank also has an eco-friendly credit policy that
melakukan sejumlah upaya efisiensi. Bank juga telah memiliki can be applied to prospective customers. This policy not only
kebijakan kredit ramah lingkungan yang dapat diterapkan targets the debtor’s financial aspects, but also social and
pada calon nasabah. Kebijakan ini tidak hanya menyasar pada environmental aspects.
aspek finansial debitur, tetapi juga terkait aspek sosial dan
lingkungan.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 587
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Kebijakan ini telah dituangkan dalam Surat Keputusan This policy has been stated in Board of Directors Decree
Direksi No. Kpts : B.50/Dir.01.03/ADK/06/2020 tentang No. Kpts: B.50/Dir.01.03/ADK/06/2020 on Loan Portfolio
Loan Portofolio Guidelines Tahun 2020 yang menyatakan Guidelines for 2020 which states that customers must have
bahwa nasabah harus memiliki analisis mengenai dampak an environmental impact analysis (AMDAL).
lingkungan (AMDAL).
Dalam kebijakan tersebut, Bank mensyaratkan: In this policy, the Bank requires:
1. Tidak termasuk ke dalam negative list Badan Koordinasi 1. Not listed on the black list of Performance Rating
penanaman Modal (BKPM), Asosiasi Jasa Konstruksi Program Companies in Environmental Management
Nasional (GAPENSI), Gabungan Pengusaha Kontraktor created by the Ministry of Environment (PROPER),
Nasional Indonesia (GAPEKNAS), Asosiasi Rekanan the National Construction Services Association
Pengadaan Barang dan Distributor Indonesia (ARDIN), (GAPENSI), the Association of Indonesian National
peringkat hitam Program Penilaian Peringkat Kinerja Contractor Entrepreneurs (GAPEKNAS), the Association
Perusahaan Dalam Pengelolaan Lingkungan yang of Indonesian Procurement and Distributor Partners
dikembangkan oleh Kementerian Lingkungan Hidup (ARDIN), or other professional organizations.
(PROPER), dan asosiasi profesional lainnya.
2. Untuk segmen kredit Menengah, setiap jenis usaha dan/ 2. Permits for each type of business and/or activity that
atau kegiatan yang berdampak terhadap lingkungan has an impact on the environment are required for the
hidup harus dilengkapi dengan perizinan sesuai dengan Medium Credit Segment in accordance with applicable
ketentuan yang berlaku, antara lain dokumen Upaya regulations. These permits must be accompanied by
pemantauan Lingkungan Hidup (UPL), Upaya pengelolaan documents for Environmental Monitoring Efforts (UPL),
Lingkungan Hidup (UKL), AMDAL, kajian/dokumen Environmental Management Efforts (UKL), AMDAL,
mengenai mutu/kriteria baku kerusakan lingkungan, izin studies/documents regarding quality/standard criteria
lingkungan, dokumen kajian pembuangan air limbah, dll. for environmental damage, environmental permits, waste
water disposal study documents, etc.
3. Untuk segmen kredit ritel, harus memiliki analisis 3. In line with relevant legislation, the retail lending sector
Mengenai Dampak Lingkungan (AMDAL) bagi usaha/ must have an Environmental Effect Analysis (AMDAL) for
kegiatan perusahaan berdampak penting terhadap any business or company operations that have a major
lingkungan hidup, terutama pada perusahaan berskala environmental impact, notably for large-scale or high-
besar dana atau berisiko tinggi sesuai dengan ketentuan risk businesses.
yang berlaku.
4. Berdasarkan pertimbangan bisnis dan mendukung upaya 4. Companies involved in the production of logs, molding,
pelestarian lingkungan hidup, maka jenis usaha terkait and sawmills are not included in the target market and
kayu gelondongan, moulding, dan sawmill dikeluarkan dari do not get funding from all work units due to business
pasar sasaran dan tidak dibiayai oleh seluruh Unit Kerja. concerns and support for environmental preservation
activities.
5. Memiliki sertifikasi RSPO/ISPO (Roundtable on Sustainable 5. Certified by RSPO/ISPO (Roundtable on Sustainable
Palm Oil/Indonesia Sustainble Palm Oil system) atau telah Palm Oil/Indonesia Sustainable Palm Oil System) or
mendaftarkan perusahaan pada proses sertifikasi ISPO, has established a Company in the ISPO certification
khusus untuk debitur dengan bidang usaha perkebunan procedure, particularly for debtors working on oil palm
kelapa sawit. plantations with midwives.
588 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
keterlibatan investor yang berwawasan lingkungan. Hal conscious investor involvement. This is encouraged to
tersebut digalakkan untuk meningkatkan peluang Bank increase the Bank’s opportunities to offer green bonds as an
dalam menawarkan obligasi berwawasan lingkungan sebagai investment alternative.
alternatif investasi.
Bank Raya menerapkan green banking untuk memperkuat Bank Raya implements green banking to strengthen the
kemampuan manajemen risiko Bank, khususnya yang terkait Bank’s risk management capabilities, especially those related
dengan lingkungan hidup dan meningkatkan portofolio to the environment and increase the eco-friendly financing
pembiayaan ramah lingkungan seperti di bidang energi portfolio such as in the fields of renewable energy and energy
terbarukan dan efisiensi energi. Selain itu, melalui green efficiency. Additionally, through the green banking, Bank
banking, Bank Raya berupaya untuk mengoptimalkan Raya seeks to optimize its role in reducing environmental
perannya dalam menekan kerusakan lingkungan yang damage which can gradually disrupt economic growth and
lambat laun dapat mengganggu pertumbuhan ekonomi dan banking resilience. Bank Raya is committed to continuing
ketahanan perbankan. Bank Raya berkomitmen untuk terus to increase its credit disbursement to business actors who
meningkatkan kucuran kreditnya bagi pelaku usaha yang meet environmental, social and governance standards as
memenuhi standar lingkungan, sosial, dan tata kelola sebagai part of their environmental and social responsibilities.
salah satu tanggung jawab terhadap lingkungan dan sosial.
Berikut ini merupakan uraian penggunaan energi Bank The following is a description of the Bank’s energy use over
selama 3 (tiga) tahun terakhir. the last 3 (three) years.
Uraian / Description Satuan / Unit 2023 2022 2021
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 589
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank menyadari pentingnya efisiensi energi untuk The Bank realizes the importance of energy efficiency to
mengurangi penggunaan serta intensitas energi dalam reduce energy use and intensity in office operations. During
operasional perkantoran. Selama tahun 2023, Bank telah 2023, the Bank has implemented a number of programs for
melaksanakan sejumlah program efisiensi penggunaan efficient use of electrical energy, including:[F.7]
energi listrik, diantaranya: [F.7]
1. Pemakaian lampu LED dan Air Conditioner (AC) yang 1. Energy-saving LED lights and Air Conditioner (AC).
hemat energi
Bank menerapkan penggunaan lampu LED serta AC The Bank uses energy-saving LED lights and AC to save
hemat energi untuk menghemat penggunaan listrik di electricity at the Bank. The Bank also provides advice
Bank. Bank juga memberikan himbauan melalui stiker through energy saving stickers at several corners of the
hemat energi yang ditempel pada beberapa sudut kantor office and notification of Service Notes to all Work Units
dan pemberitahuan Nota Dinas ke seluruh Satuan Kerja regarding the following matters:
terkait beberapa hal sebagai berikut:
• Pengoperasian listrik gedung kantor hanya pada jam • Office building electricity is only operated during
kerja yaitu pukul 06:00 s/d 19:00 WIB. working hours, namely 06:00 to 19:00 WIB.
• Listrik akan dimatikan mulai pukul 19:00 WIB. • Electricity will be turned off from 19:00 WIB.
• Bila ada pekerja yang lembur karena mengerjakan • Employees working overtime after 19:00 WIB must
pekerjaan kantor di atas pukul 19:00 WIB, dimohon report to the Finance & Asset Management Division,
untuk melapor ke Divisi Finance & Aset Management General & Logistics Division, Property & Facilities
Bagian General & Logistic Bidang Property & Division.
Facilities.
2. Penerapan budaya hemat listrik 2. Electricity saving culture implementation
Bank menerapkan budaya untuk mematikan listrik dan AC The Bank implements a culture of turning off electricity
setelah tidak ada aktivitas kerja, serta pemaksimalan jam and AC after work is over, as well as maximizing elevator
operasional lift yang telah diatur sesuai dengan jam kerja. operating hours which have been arranged according to
Hal tersebut dilakukan untuk mengurangi penggunaan working hours. This is done to reduce electricity usage.
listrik.
3. Lock & Shutdown My PC 3. Lock & Shutdown My PC
Bank Raya mendukung gerakan mengunci dan mematikan After work is over, Bank Raya encourages securing and
perangkat komputer setelah pekerjaan selesai agar dapat shutting off computer equipment to save energy and
mengurangi penggunaan listrik yang berlebihan dan prevent data theft.
mencegah pencurian data.
4. Optimalisasi aplikasi Raya Digital Saving dalam upaya 4. Optimization of Raya Digital Saving application in efforts
penggunaan ATM to use ATMs
Manajemen terus berupaya untuk selalu mendukung The management strives to always support the use of
penggunaan aplikasi digital dari Bank Raya dibandingkan digital applications from Bank Raya compared to other
bank lain. Program ini dapat meningkatkan fee based banks. This program can increase fee-based income and
income perusahaan dan secara langsung juga menjaga also directly protect the environment by reducing the use
lingkungan dengan mengurangi penggunaan ATM. of ATMs.
590 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
fosil. Oleh karena itu, Indonesia dan dunia berkomitmen and the world are committed to taking a role in reducing
untuk mengambil peran dalam menurunkan emisi gas rumah greenhouse gas emissions with various strategic programs
kaca dengan berbagai program serta kebijakan strategis. and policies.
Sejalan dengan hal tersebut, Bank Raya turut andil dalam In this regard, Bank Raya takes part in managing emissions
mengelola emisi dan melakukan efisiensi penggunaan and making efficient use of energy. Bank Raya’s contribution
energi. Kontribusi Bank Raya dalam penghematan energi to energy savings has been explained in the discussion on
telah dijelaskan pada pembahasan Penggunaan Energi. Energy Use.
Bank Raya juga melakukan pengukuran emisi gas rumah kaca Bank Raya also measures greenhouse gas emissions in the
yang berupa CO2 emisi gas rumah kaca tidak langsung atau form of CO2 indirect greenhouse gas emissions scope 2.
cakupan 2 (scope 2). Sumber emisi cakupan 2 bersumber The source of scope 2 emissions comes from electricity
dari pembangkitan listrik yang dibeli atau diperoleh dari PLN, generation purchased or obtained from PLN, calculated
dihitung dengan menggunakan average grid emission factor using the average grid emission factor issued by the Ministry
yang dirilis Kementerian ESDM pada RUPTL PLN 2015-2024, of Energy and Mineral Resources at the 2015-2024 PLN
yaitu sebesar 0,934 kgCO2/kWh. Penghitungan dilakukan RUPTL, namely 0.934 kgCO2/kWh. Calculations are made
berdasarkan rumus sebagai berikut: based on the following formula:
Emisi Gas Rumah Kaca Cakupan 2 / Greenhouse Gas Emission Scope 2
∑ Emisi = Konsumsi listrik (kwh) x Faktor Emisi (kg CO2/kwh) / Emissions = Electricity consumption (kwh) x Emission Factor (kg CO 2 /kwh)
Total Emisi Gas Rumah Kaca Cakupan 2 Greenhouse Gas Emission Scope 2
2023 2022 2021
Sumber / Source Energi / Energy Emisi / Emission Energi / Energy Emisi / Emission Energi / Energy Emisi / Emission
(Giga Joule) (tCO2e) (Giga Joule) (tCO2e) (Giga Joule) (tCO2e)
Listrik / Electricity 1.734.970 450,13 3.333,28 864,80 3.400,98 882,37
Selama tahun 2023, penggunaan air di Bank mengalami During 2023, water use in the Bank decreased by 5.72% to
penurunan sebesar 5,72% menjadi 6.754 m dari yang 3
6,754 m3 from the previous amount of 7,164 m3 in 2022.
sebelumnya sebesar 7.164 m3 di tahun 2022.
Uraian / Description Satuan / Unit 2023 2022 2021
Intensitas Penggunaan Air / Water Use Intensity m3/m2 1,15 1,22 1,10
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 591
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Pengelolaan Limbah dan Efluen [F.13][F.14][F.15][301-1] Waste and Effluent Management [F.13][F.14][F.15][301-1]
[306-1][306-2][306-3] [306-1][306-2][306-3]
Sebagai entitas perbankan yang peduli lingkungan, As a banking entity that cares about the environment,
Bank Raya secara konsisten menerapkan manajemen Bank Raya consistently implements waste management by
pengelolaan limbah dengan bekerja sama dengan pengelola collaborating with building managers. Waste management is
gedung. Pengelolaan limbah dilakukan oleh pihak ketiga carried out by a third party which includes domestic waste
yang mencakup pengelolaan sampah domestik mulai management starting from sorting, disposal, collection, to
dari pemilahan, pembuangan, pengumpulan, hingga transportation to the final disposal site.
pengangkutan ke tempa pembuangan akhir.
Secara khusus Bank Raya melakukan penghitungan sampah In particular, Bank Raya calculates paper waste because
kertas karena kertas masih menjadi salah satu material yang paper is still an important material in all its operational
penting dalam seluruh kegiatan operasionalnya. Selama activities. During 2023, the Bank used 1,611 reams of paper,
tahun 2023, Bank menggunakan kertas sebanyak 1.611 rim, this amount experienced a decrease/increase of 2.25%
jumlah tersebut mengalami penurunan sebesar 2,25% compared to usage in 2021 at 2,024 reams. [301-1]
jika dibandingkan penggunaan tahun 2021, yang tercatat
sebanyak 2.024 rim. [301-1]
Uraian / Description Satuan / Unit 2023 2022 2021
Bank Raya berkomitmen untuk terus meningkatkan efisiensi Bank Raya is committed to continuing to increase the
pemakaian kertas melalui dukungan sistem teknologi yang efficiency of paper use through the support of technology
terus dikembangkan oleh Bank. Terlebih, komitmen Bank systems that continue to be developed by the Bank. Moreover,
Raya untuk mewujudkan integrasi sistem informasi secara Bank Raya’s commitment to realizing comprehensive
menyeluruh mendukung efisiensi penggunaan kertas pada information system integration supports the efficient use of
operasional Bank. Berikut ini merupakan aplikasi-aplikasi paper in the Bank’s operations. The following are applications
yang dapat menunjang efisiensi operasional Bank: that can support the Bank’s operational efficiency:
1. Portal Jagat Raya. 1. Portal Jagat Raya.
2. Agropos merupakan aplikasi internal Bank Raya yang 2. Agropos is an internal application of Bank Raya which
mencakup e-office sebagai sarana surat menyurat secara includes e-office as a means of online correspondence
daring dan menu kepegawaian lainnya. and other personnel menus.
3. Raya e-learning merupakan aplikasi e-learning 3. Raya e-learning is an e- learning application management
management system yang digunakan oleh internal BRI. system used by BRI internally.
4. Pinang sebuah aplikasi berbasis Android dan terkoneksi 4. Pinang is an internet-connected Android application that
melalui internet yang memungkinkan putusan pinjaman enables instantaneous consumer loan approvals, making
konsumer untuk dilakukan di tempat sehingga lebih the process quicker and paperless.
cepat dan paperless.
5. Raya Digital Saving aplikasi tabungan digital secara end- 5. Raya Digital Saving is a complete digital savings solution.
to-end process. Hanya dengan scan KTP, swafoto dan Savings may be created without having to visit a branch
tanda tangan digital tabungan dapat terbentuk tanpa office by scanning an ID card, selfie, and digital signature.
perlu hadir ke kantor cabang.
Bank Raya tidak menghasilkan limbah B3 sehingga tidak Bank Raya does not generate hazardous waste so it does
melakukan pengelolaan maupun pengolahan limbah. Dengan not manage or process waste. Thus, information regarding
demikian, informasi mengenai jumlah limbah, mekanisme the amount of waste, waste management mechanisms and
pengelolaan limbah, dan tumpahan limbah tidak diungkapkan waste spills is not disclosed in this report.
dalam laporan ini.
592 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Selama tahun 2023, Bank Raya belum melaksanakan upaya During 2023, Bank Raya did not implement biodiversity
konservasi keanekaragaman hayati. conservation efforts.
Berkat evaluasi rutin, selama tahun 2023, Bank Raya Through routine evaluations, during 2023, Bank Raya did
tidak menerima sanksi maupun denda yang diakibatkan not receive sanctions or fines resulting from violations or
oleh pelanggaran atau ketidakpatuhan terhadap regulasi non-compliance with environmental regulations. Bank Raya
lingkungan. Bank Raya juga tidak menerima pengaduan also does not receive complaints from the public or other
dari masyarakat maupun stakeholder lainnya mengenai stakeholders regarding environmental issues.
permasalahan lingkungan.
Dengan layanan terbaik kepada nasabah, Bank berupaya With the best service to customers, the Bank strives to
untuk memberikan produk dan jasa yang sesuai dengan provide products and services that suit customer needs,
kebutuhan nasabah, meliputi kemudahan kepada nasabah such as facilitating customers to access the products and
dalam menjangkau produk dan jasa yang ditawarkan. Hal services. Thus, customer loyalty towards the products and
tersebut memungkinkan loyalitas nasabah tetap terjaga services offered by Bank Raya can be maintained.
terhadap produk dan jasa yang ditawarkan Bank Raya.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 593
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Bank Raya juga memberikan kesempatan bagi karyawan Bank Raya also provides opportunities for employees to
untuk mengembangkan karier di Bank tanpa membedakan develop careers at the Bank without differentiating between
gender, suku, agama, ras, dan golongan. Bank juga terus gender, ethnicity, religion, race and class. The Bank also
berupaya dalam meningkatkan kesejahteraan karyawan continues to strive to improve employee welfare by providing
dengan memberikan kompensasi serta manfaat jangka compensation and long-term benefits for all employees.
panjang bagi seluruh karyawan.
Tumbuh dan Berkembang Bersama SDM Terbaik Grow and Develop with the Best Human Capital
Bagi Bank Raya, Sumber Daya Manusia (SDM) merupakan For Bank Raya, human capital (HC) is an invaluable asset.
aset yang ternilai harganya. Karena itu, Bank berupaya untuk Therefore, the Bank strives to manage HC as well as possible.
melakukan pengelolaan SDM dengan sebaik-baiknya. SDM Human resources or employees are the frontline in Bank
atau karyawan merupakan garda terdepan dalam pelayanan services and operations, therefore the quality of HC, namely
dan operasional Bank, karena itu kualitas SDM, yaitu individu- individuals who work at the Bank, will greatly determine the
individu yang bekerja di Bank, akan sangat menentukan masa future of Bank Raya. The better the quality of the existing
depan Bank Raya. Semakin bagus kualitas karyawan yang employees, the greater the hope for Bank Raya to progress
ada, maka semakin besar pula harapan Bank Raya untuk and develop.
semakin maju dan berkembang.
Bank Raya sangat mendorong budaya kerja berbasis kinerja Bank Raya truly encourages performance-based work culture
dengan memberikan kompensasi tunai berdasarkan kinerja by providing cash compensation based on each employee’s
masing-masing karyawan sehingga kompensasi yang performance so that the compensation earned is in line with
didapat berbanding lurus dengan kontribusi karyawan. Selain the employee’s contribution. Aside from that, Bank Raya also
itu, Bank Raya juga memberikan upah dengan standar di atas grants salaries that are above the regional minimum wage
upah minimum regional kepada seluruh karyawan. Hal ini to all employees. This is Bank Raya’s form of commitment in
merupakan bentuk komitmen Bank Raya dalam memenuhi fulfilling employees’ right, which is part of the investment of
hak karyawan yang merupakan bagian dari investasi human resource quality improvement. [F.20]
peningkatan kualitas sumber daya manusia. [F.20]
Bank Raya telah menyusun Roadmap Human Capital Bank Raya has prepared a Human Capital Roadmap as an
sebagai kebijakan internal Bank mengacu pada peraturan internal Bank policy referring to applicable labor regulations,
ketenagakerjaan yang berlaku, khususnya Undang-Undang especially Law No. 11 of 2020 on Job Creation and Law No.
No. 11 tahun 2020 tentang Cipta Kerja dan Undang-Undang 13 of 2003 on Employment, as well as general employment
No. 13 tahun 2003 tentang Ketenagakerjaan, serta praktik- practices in Indonesia. The detailed explanation can be
praktik ketenagakerjaan yang umum dilakukan di Indonesia. viewed on the Profile Chapter of this Report.
Penjelasan secara terperinci dapat dilihat pada Bab Profil
Laporan ini.
Bank Raya mengimplementasikan kebijakan terkait Bank Raya implements policies related to employment
pengelolaan ketenagakerjaan dengan memperhatikan management by paying attention to aspects of equality
aspek kesetaraan dan keadilan. Bank berkomitmen untuk and fairness. The Bank is committed to providing equal and
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memberi peluang yang sama dan setara bagi semua orang fair opportunities for everyone to have a career and work,
untuk berkarier dan berkarya, proses rekrutmen, pelatihan, recruitment, training and evaluation processes at the Bank,
dan evaluasi di Bank, tanpa memandang suku, etnis, agama, regardless of ethnicity, ethnicity, religion, gender, etc. The
gender, dan lain-lain. Demografi karyawan Bank Raya telah demographics of Bank Raya employees have been explained
dijelaskan pada Bab Bussiness Support. Sepanjang periode in the Business Support Chapter. Throughout the reporting
pelaporan, tidak terdapat insiden diskriminasi dalam period, there were no incidents of discrimination in the
pengelolaan operasional perbankan di Bank. management of operations at the Bank.
Penerapan komitmen kesetaraan di Bank ditunjukkan Implementation of the commitment to equality in the Bank is
dengan keterbukaan peluang yang sama bagi Perempuan demonstrated by opening up equal opportunities for women
untuk menjadi pemimpin di unit-unit kerja. Bank Raya juga to become leaders in work units. Bank Raya also does not
tidak membedakan besaran remunerasi antara karyawan pria discriminate the amount of remuneration between male and
dan wanita. female employees.
Komposisi Karyawan Bank Raya Berdasarkan Jenis Kelamin Bank Raya Employee Composition by Gender 2021-2023 is as
2021-2023 adalah sebagai berikut: follows:
Tahun / Year
Jenis Kelamin / Gender
2023 2022 2021
Rekrutmen dan Perputaran Karyawan [401-1] Employee Recruitment and Turnover [401-1]
Ketersediaan tenaga kerja yang memiliki kompetensi dan The Bank pays attention to availability of competent and
kualifikasi sesuai dengan perencanaan yang baik merupakan qualified employees in accordance with the needs. The
fokus Bank. Bank selalu memastikan proses rekrutmen Bank always ensures that the recruitment process is carried
dilakukan dengan prinsip kesempatan yang setara dan anti- out with the principles of equal opportunity and anti-
diskriminasi. Semua calon pegawai mendapatkan perlakukan discrimination. All prospective employees receive the same
yang sama yakni harus melalui proses seleksi yang sama treatment, namely they must go through the same selection
tanpa membedakan ada atau tidaknya hubungan khusus process without distinguishing whether or not they have a
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
dengan pegawai internal Bank. Bank juga membuka peluang special relationship with internal Bank employees. The bank
yang sama untuk penduduk lokal mengisi berbagai posisi also opens up equal opportunities for local residents to fill
yang dibutuhkan, termasuk di level manajer senior. various needed positions, including at senior manager level.
Proses rekrutmen dapat berasal dari internal maupun The recruitment process can come from internal or external
eksternal Bank. Dari internal Bank, proses rekrutmen dapat to the Bank. Recruitment process from Bank internal can
berupa promosi, rotasi, dan demosi. Sedangkan dari eksternal take the form of promotions, rotations and demotions.
Bank, proses rekrutmen dilaksanakan melalui proses seleksi Meanwhile, the Bank external recruitment process may
fresh graduate maupun tenaga ahli/profesional. include fresh graduates and experts/professionals.
Proses rekrutmen di Bank Raya dilakukan melalui beberapa The recruitment process at Bank Raya is carried out through
pola, antara lain pola rekrutmen bagi Pelaksana, Staf atau several patterns, including the recruitment pattern for
disebut calon pimpinan [yang dilakukan melalui Program Executives, Staff or so-called leadership candidates [which
BFLP (BRILiaN Future Leader Program) bersama BRI group], is carried out through the BFLP Program (BRILiaN Future
serta untuk jabatan-jabatan tertentu dilakukan melalui Talent Leader Program) with the BRI group], as well as for certain
Hiring. Dalam melakukan Rekrutmen Pro Hire Eksternal positions carried out through Talent Hiring. In carrying out
khususnya untuk level Kepala Bagian sampai dengan External Pro Hire Recruitment, especially at the level of
Kepala Divisi yang mengacu pada SK No. Kpts.34/ Dir.01.02/ Section up to Division Head, referring to Decree No. Kpts.34/
Human Capital/IX/2017 tanggal 29 September 2017 tentang Dir.01.02/Human Capital/IX/2017 dated September 9, 2017 on
Ketentuan Penerimaan dan Penempatan Pekerja melalui Conditions for the Acceptance and Placement of Workers
Jalur Khusus (Special Hiring) Revisi Pertama. through Special Hiring, First Revision.
Berdasarkan proses rekrutmen pada tahun 2023, Bank In the 2023 recruitment, Bank Raya recruited a total of 52
Raya berhasil menjaring karyawan baru sebanyak 52 employees. This number is the accumulation of additional
orang. Jumlah ini merupakan akumulasi dari penambahan employees through recruitment and reduction of employees
karyawan melalui rekrutmen dan pengurangan karyawan for various reasons, such as retirement, early retirement,
karena berbagai alasan, seperti pensiun, pensiun dini, death, resignation, etc. Based on the addition and reduction
meninggal, mengundurkan diri, dan sebagainya. Berdasarkan of employees, the Bank can calculate the employee turnover
penambahan dan pengurangan karyawan tersebut, Bank bisa rate in the reporting year.
menghitung tingkat perputaran (turnover) pegawai pada
tahun pelaporan.
Komposisi karyawan baru berdasarkan gender, wilayah kerja, Composition of new employees based on gender, work area
dan kelompok usia disajikan dalam tabel berikut: and age group is presented in the following table:
Uraian / Description Komposisi Berdasarkan / Composition by 2023 2022 2021
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Selain ada penambahan karyawan baru, karyawan Bank Raya Besides addition of new employees, Bank Raya employees in
pada tahun 2023 mengalami pengurangan yang disebabkan 2023 experienced reduction of employees due to formation
oleh adanya penyesuaian formasi. adjustments.
Komposisi karyawan yang meninggalkan Bank Raya The complete composition of employees leaving Bank Raya
selengkapnya disajikan dalam tabel berikut : is presented in the following table:
Uraian / Description Komposisi Berdasarkan / Composition by 2023 2022 2021
Pria / Male 38 18 54
Jenis Kelamin /
Gender
Wanita / Female 19 6 50
Pekerja Anak dan Kerja Paksa [F.19] Child Labor and Forced Labor [F.19]
Bank Raya memiliki kebijakan yang jelas tentang usia Bank Raya has a clear policy regarding the minimum age of
minimal pegawai maupun jam kerja pegawai. Sesuai dengan employees and employee working hours. In accordance with
ketentuan Bank, usia minimal pegawai Bank Raya adalah 19 Bank regulations, the minimum age for Bank Raya employees
tahun. Sementara itu, jam kerja yang disepakati adalah 8 is 19 years. Meanwhile, the agreed working hours are 8 (eight)
(delapan) jam 1 (satu) hari dan 40 (empat puluh) jam 1 (satu) hours a day and 40 (forty) hours a week for 5 (five) working
minggu untuk 5 (lima) hari kerja dalam 1 (satu) minggu, sesuai days in a week, in accordance with article 77, Law No. 13 of
dengan pasal 77, Undang-Undang No.13 Tahun 2003 tentang 2003 on Employment.
Ketenagakerjaan.
Menciptakan Lingkungan Kerja yang Aman dan Layak Creating A Safe and Decent Work Environment [F.21]
[F.21][403-1] [403-1]
Bank berkomitmen menyediakan tempat kerja yang The Bank is committed to providing a decent workplace for
layak untuk seluruh karyawan yang bekerja di Bank. Bank all employees who work at the Bank. The Bank always strives
senantiasa berupaya untuk memenuhi hak seluruh karyawan to fulfill the rights of all employees by providing occupational
dengan memberikan perlindungan keselamatan dan safety and health (OHS) protection. Employees’ rights to OHS
kesehatan kerja (K3). Hak karyawan atas K3 di antaranya such as the right to obtain all information and explanations
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
adalah hak untuk mendapatkan semua informasi dan regarding workplace hazards and how to handle them, the
penjelasan mengenai bahaya di tempat kerja dan bagaimana right to participate in health and safety activities at work,
menanganinya, hak untuk berpartisipasi dalam kegiatan and the right to refuse work that is unsafe for themselves or
kesehatan dan keselamatan di tempat kerja, serta hak untuk others.
menolak pekerjaan yang tidak aman, baik tidak aman bagi
dirinya ataupun orang lain.
Bank Raya mendorong aspek Kesehatan dan Keselamatan Bank Raya encourages aspects of Occupational Health and
Kerja (K3) yang memiliki makna strategis dalam menjaga Safety (OHS) which have strategic meaning in maintaining
eksistensi dan keberlanjutan usaha. Bank menghormati the existence and sustainability of the business. The Bank
hak karyawan untuk bekerja di lingkungan yang sehat dan respects employees’ rights to work in a healthy and safe
aman, serta senantiasa menjalankan program K3 di semua environment, and continues to implement OHS programs
wilayah operasinya. Implementasi dan pemeliharaan perilaku in all its operational areas. Implementing and maintaining
yang dapat mewujudkan kesehatan dan keselamatan kerja behavior that can realize occupational health and safety is a
menjadi suatu keharusan untuk dilakukan. must.
Pada bulan November tahun 2023, Bank Raya telah In November 2023, Bank Raya has carried out a communication
melakukan campaign komunikasi perihal New Building New campaign regarding New Building New Culture with program
Culture dengan rincian program sebagai berikut: details as follows:
1. Melakukan Penghematan Energi dengan mematikan 1. Reduce energy use by eliminating power when not in use
lampu dan mencabut listrik apabila tidak diperlukan. and turning off lights.
2. Pekerja memulai penggunaan tumblr dan stop dalam 2. To be green and kerb the spread of Covid-19, employees
penggunaan botol plastik, hal ini bertujuan untuk Go start utilising tumblers instead of plastic bottles.
Green dan mencegah penyebaran Covid-19.
3. Melakukan pemilahan sampah dan membuang sampah 3. Separate garbage into its component parts, dispose of
pada tempatnya, dan menjaga kebersihan lingkungan each piece separately, and keep the workplace tidy.
kerja.
4. Membiasakan menggunakan area makan bersama di 4. Become used to utilizing the communal meal space in the
pantry, untuk mendorong kolaborasi serta menjaga pantry to promote teamwork and preserve a professional
lingkungan kerja. atmosphere.
5. Membiasakan menyimpan berkas penting dan menjaga 5. Become used to store important files and keep the work
meja kerja agar selalu bersih dari segala macam dokumen, desk clean from all documents, files and paper
berkas dan kertas.
Untuk dapat meraih pertumbuhan usaha yang berkelanjutan To be able to achieve sustainable business growth, superior
dibutuhkan dukungan sumber daya manusia (SDM) yang human capital (HC) support with high competence and
unggul dengan kompetensi dan kapasitas yang tinggi. capacity is needed. Therefore, Bank Raya seeks to develop
Karena itu, Bank Raya berupaya untuk mengembangkan the potential of its HC by carrying out education and training
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potensi yang dimiliki SDMnya dengan menjalankan program programs aimed at increasing productivity and quality of
pendidikan dan pelatihan yang bertujuan untuk meningkatkan work, improving skills, leadership, professionalism and
produktivitas dan kualitas kerja, meningkatkan keterampilan, building a positive mental attitude.
kepemimpinan, profesionalisme dan membangun sikap
mental positif.
Pelaksanaan program pendidikan dan pelatihan Implementation of education and training programs upholds
diselenggarakan dengan memegang prinsip kesetaraan. the principle of equality. During 2023, the Bank has conducted
Selama tahun 2023, Bank telah melakukan Pendidikan dan 152 trainings through Hybrid Learning (Offline & Online)
pelatihan sebanyak 152 kali dengan metode Hybrid Learning attended by 936 participants, both contract and permanent.
(Offline & Online), yang diikuti oleh 936 peserta, baik kontrak
maupun tetap.
Oleh karena itu, kegiatan CSR di lingkungan Bank Raya, CSR activities of Bank Raya are carried out in an integrated,
dilakukan secara terintegrasi, terarah, terukur dampaknya, focused, measurable and accountable manner. In addition,
serta bersifat akuntabel. Selain itu, kegiatan CSR diarahkan CSR activities are directed to be oriented towards achieving
untuk berorientasi pada pencapaian Tujuan Pembangunan the Sustainable Development Goals (SDGs).
Berkelanjutan (TPB/SDGs).
Komitmen Bank untuk merealisasikan tanggung jawab The Bank is committed to realizing corporate social
sosial (CSR) demi meningkatkan kualitas kehidupan responsibility (CSR) in improving the quality of life of local
komunitas setempat maupun masyarakat pada umumnya. communities and society in general. The Bank hopes that
Bank berharap, keberadaan Bank dapat memberi manfaat its presence can provide the widest possible benefits to the
yang seluas-luasnya bagi masyarakat, di samping turut community while also increasing business growth.
meningkatkan pertumbuhan usaha.
Secara khusus, Bank telah menyusun perencanaan CSR yang In particular, the Bank has prepared a CSR plan contained in
tertuang dalam Rencana Bisnis Bank sebagai panduan untuk the Bank’s Business Plan as a guide for building a targeted
membangun strategi yang terarah dan berkesinambungan. and sustainable strategy. In this way, the Bank can ensure
Dengan demikian, Bank dapat memastikan pencapaian the achievement of CSR goals effectively and with maximum
tujuan CSR yang efektif dan berdampak maksimal. impact.
Dampak Operasi Terhadap Masyarakat Sekitar [F.23] Impact of Operations on Surrounding Communities [F.23]
Bank memiliki program strategis dalam kemanusiaan dan The Bank has strategic programs in humanity and health,
kesehatan terutama yang berkaitan dengan bencana alam especially those related to natural disasters and public
dan kesehatan masyarakat. Dampak positif yang dapat health. The positive impacts that can be felt from these
dirasakan dari program-program tersebut diantaranya adalah programs include improving the level of health and welfare of
perbaikan tingkat kesehatan dan kesejahteraan masyarakat. the community. The Bank understands that the community
Bank memahami bahwa masyarakat merupakan salah satu is an important stakeholder for the Bank. Therefore, the
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
pemangku kepentingan yang penting bagi Bank. Oleh karena Bank has sustainability programs that are adapted to the
itu, Bank memiliki program-program keberlanjutan yang conditions and needs of local communities.
disesuaikan dengan kondisi dan kebutuhan bagi masyarakat
setempat.
Bank juga meyakini bahwa kinerja perusahaan memiliki The Bank also believes that company performance has a
dampak positif terhadap peningkatan kesejahteraan positive impact on improving public welfare. This increase in
masyarakat. Peningkatan kesejahteraan masyarakat ini public welfare will ultimately support the Bank’s sustainable
pada akhirnya akan mendukung pengembangan usaha Bank business development.
secara berkelanjutan.
Dalam penerapannya, kontribusi peningkatan kesejahteraan In its implementation, the contribution to improving public
masyarakat diwujudkan dalam program Tanggung Jawab welfare is realized in the Corporate Social Responsibility
Sosial Perusahaan (TJSL) (Corporate Social Responsibility/ (TJSL/CSR) as a form of the Bank’s support for achieving the
CSR) sebagai bentuk dukungan Bank terhadap pencapaian Sustainable Development Goals (SDGs) which are currently
Tujuan Pembangunan Berkelanjutan (Sustainable being promoted by the government. Bank Raya’s CSR program
Development Goals/SDGs) yang saat ini sedang digiatkan has the following pillars:
oleh pemerintah. Program CSR Bank Raya memiliki beberapa
pilar, diantaranya:
1. Membangun SDM: Bank Raya dituntut untuk menciptakan 1. Developing Human Capital: Bank Raya must develop
SDM yang andal dan berkompeten. Selain itu, Bank trustworthy and qualified human capital. Bank Raya also
Raya juga berupaya untuk melakukan pemberdayaan aims to strengthen the community.
masyarakat.
2. Meningkatkan Perekonomian: Bank Raya turut membantu 2. Stimulating the Economy: Bank Raya also works to boost
meningkatkan kesejahteraan perekonomian masyarakat. the local economy.
3. Meningkatkan Kohesi Sosial: Bank Raya dituntut untuk 3. Fostering Social Cohesion: In order to avoid causing
menjaga keharmonisan dengan masyarakat sekitarnya strife, Bank Raya must establish good relations with the
agar tidak menimbulkan konflik. community.
4. Mewujudkan Tata Kelola yang Baik: Dalam menjalankan 4. Realizing Strong Governance: Bank Raya must put good
bisnisnya, Bank Raya harus menjalankan tata Kelola corporate governance into practice while managing its
bisnis dengan baik. operations.
5. Melindungi Lingkungan Hidup: Bank Raya berupaya untuk 5. Environmental Protection: Bank Raya wants to help
turut serta dalam menjaga kelestarian lingkungan. protect the environment.
Bank akan selalu melakukan upaya-upaya maksimal untuk The Bank will always make maximum efforts to minimize
meminimalkan dampak negatif operasi Bank seperti the negative impacts of Bank operations such as managing
pengelolaan limbah kertas dan plastik. Hingga tahun berjalan paper and plastic waste. Until the current year, there were no
tidak terdapat potensi pelanggaran ketentuan terhadap potential violations of environmental provisions faced by the
lingkungan yang dihadapi Bank. Bank.
Komitmen Bank Raya dibuktikan dengan realisasi dana CSR Bank Raya’s commitment is proven by the realization of CSR
yang meningkat setiap tahunnya. Besarnya investasi sosial funds which increases every year. The amount of social
untuk melaksanakan program-program CSR selama 3 (tiga) investment to implement CSR programs over the last 3
tahun terakhir adalah sebagai berikut: (three) years is as follows:
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Realisasi Literasi dan Inklusi Keuangan Realization of Financial Literacy and Inclusion
Bank mendukung program pemerintah dalam rangka The Bank supports government programs to increase
meningkatkan literasi dan inklusi keuangan di sektor jasa financial literacy and inclusion in the financial services
keuangan, seperti yang tertuang dalam Peraturan OJK No. sector, as stated in OJK Regulation No. 76/POJK.07/2016 on
76/POJK.07/2016 tentang Peningkatan Literasi dan Inklusi Increasing Financial Literacy and Inclusion in the Financial
Keuangan di Sektor Jasa Keuangan bagi Konsumen dan/ Services Sector for Consumers and/or the Community;
atau Masyarakat; Surat Edaran OJK No. 30/SEOJK.07/2017 OJK Circular No. 30/SEOJK.07/2017 on Implementation
tentang Pelaksanaan Kegiatan dalam Rangka Meningkatkan of Activities to Improve Financial Literacy in the Financial
Literasi Keuangan di Sektor Jasa Keuangan; dan Surat Services Sector; and OJK Circular No. 31/SEOJK.07/2017 on
Edaran OJK No. 31/SEOJK.07/2017 tentang Pelaksanaan Implementation of Activities to Increase Financial Inclusion
Kegiatan dalam Rangka Meningkatkan Inklusi Keuangan di in the Financial Services Sector.
Sektor Jasa Keuangan.
Bank Raya bersinergi dan berkolaborasi dengan Induk Bank Raya synergizes and collaborates with BRI holding
BRI berfokus pada customer disektor Gig Economy to focus on customers in the Gig Economy that continues
yang terus mengakselerasi produk dan layanan digital to accelerate digital products and services for the people
ditengah masyarakat untuk membuka peluang tumbuh dan to open up opportunities for growth and development
berkembang bagi para pelaku usaha. Langkah ini merupakan for business actors. This measure is one of Bank Raya’s
salah satu strategi Bank Raya untuk melengkapi DNA bisnis strategies to complete the DNA of business ecosystem
ecosystem player, startup dan fintech yang berekspansi pada player, startup and fintech that are expanding into the Micro,
pasar Segmen Usaha Mikro Kecil dan Menengah (UMKM). Small and Medium Enterprises (MSME) segment.
Selama tahun 2023, wujud sinergi diimplementasikan melalui During 2023, synergy was implemented through 2 (two) main
2 (dua) inisiatif utama, antara lain: initiatives, including:
1. Sinergi layanan yang diwujudkan dalam penyisipan 1. Service synergy manifested in the insertion of Pinang
Pinang Dana Talangan Pada Aplikasi BRILink Mobile untuk Dana Talangan in the BRI-Link Mobile Application to
memberikan layanan keuangan yang lebih lengkap dan provide more complete financial services and facilitate
memudahkan akses bagi para pelaku usaha keagenan. access for agency business actors.
2. Pemasaran sektor bisnis Mikro melalui aplikasi Pinang 2. Marketing of the Micro business sector through the Pinang
Performa yang mengedepankan inovasi teknologi guna Performa application which prioritizes technological
membantu para tenaga pemasar untuk menguasai pasar innovation to help marketers dominate the Micro market.
Mikro.
Kehadiran sinergi bisnis antara Raya dan BRI ini akan The existence of this business synergy between Raya and BRI
terus didukung untuk memberikan pemberdayaan dan will continue to be promoted in order to offer empowerment
menyediakan pembiayaan yang lebih luas, lengkap, dan and provide wider, more comprehensive, and affordable
murah, sehingga selaras dengan agenda utama pemerintah financing, in keeping with the government’s primary aim of
dalam mendorong UMKM yang lebih berkembang dan supporting more developed and advanced MSMEs. In order
maju. Efektivitas dan efisiensi perlu ditingkatkan melalui for this synergy to give value to stakeholders, including
perancangan ulang proses bisnis, antara lain dengan the MSME group, effectiveness and efficiency must be
mengutamakan layanan non-tunai, baik melalui pencairan increased via restructuring business procedures, including
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PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
maupun pembayaran pinjaman secara digital dengan tujuan emphasizing non-cash services through disbursement and
untuk menurunkan biaya operasional dan risiko operasional digital loan payments.
sehingga sinergi ini dapat memberikan nilai lebih kepada
pemangku kepentingan, termasuk kelompok masyarakat
UMKM.
Kegiatan Tanggung Jawab Sosial Lingkungan [F.25] Environmental Social Responsibility Activities [F.25]
Bank Raya menyelenggarakan serta merancang program Bank Raya organizes and designs programs aimed at
yang ditujukan untuk menyejahterakan masyarakat sehingga improving the welfare of the community for improving the
berdampak pada peningkatan kondisi ekonomi masyarakat economic conditions of the surrounding community. This
sekitar. Program ini merupakan bagian dari kegiatan TJSL program is part of TJSL activities which are the Bank’s
yang merupakan kontribusi serta dukungan Bank untuk contribution and support to empower the community.
memberdayakan masyarakat.
Kegiatan TJSL Bank bertujuan untuk mendukung pencapaian TJSL Bank activities aim to support the achievement of the
Tujuan Pembangunan Berkelanjutan (TPB) yang telah Sustainable Development Goals (SDGs) which have become
menjadi agenda pembangunan dunia untuk dicapai pada the world development agenda to be achieved by 2030 and
2030 mendatang dan upaya untuk menanggulangi perubahan efforts to tackle global climate change. Through CSR pillars,
iklim global. Melalui pilar-pilar CSR, selama tahun 2023, Bank during 2023, the Bank contributes to several related TPB
berkontribusi pada beberapa target TPB terkait sebagaimana targets as summarized below:
dirangkum berikut ini:
Kegiatan / Waktu Pelaksanaan /
No. Penerima Program / Program Recipients
Activity Execution time
Warga Kelurahan Braga Kecamatan
Sumur Bandung, Panti Wredha Yayasan
Pondok Lansia Tulus Kasih dan Lembaga
Kesejahteraan Lanjut Usia, serta Rumah
Bantuan Sembako Ramadan CB Bandung / Basic Food Yatim Panti Baitussyukur / Residents of 14 April 2023 / April 14,
1.
Assistance during Ramadan at CB Bandung Braga Village, Sumur Bandung District, 2023
Pondok Lansia Tulus Kasih Foundation
Nursing Home and Elderly Welfare
Institution, as well as the Baitussyukur
Orphanage
Bantuan Bencana Alam Gempa Cianjur / Cianjur Earthquake Korban Gempa Cianjur / Cianjur 18 April 2023 / April 18,
2.
Natural Disaster Assistance Earthquake Victims 2023
Bantuan Sembako Ramadhan CB Malang / Basic Food Panti Asuhan Ar-Royyan Malang / Ar- 27 April 2023 / April
3.
Assistance during Ramadan at CB Malang Royyan Orphanage Malang 27, 2023
Warga Sekitar Kantor Pusat Bank Raya
Bantuan Sembako Ramadhan Kantor Pusat / Basic Food 5 Mei 2023 / May 5,
4. / Residents around the Bank Raya Head
Assistance during Ramadan at the Head Office 2023
Office
Masjid Al-Ikhlas / Al-Ikhlas Mosque Jl. 15 Juni 2023 / June 15,
5. Qurban Idul Adha / Qurban at Eid Al Adha
Jaya Mandala 2023
Renovasi Sekolah di Pekanbaru / School Renovation in Yayasan Al Huda / Al Huda Foundation 27 Juni 2023 / June
6.
Pekanbaru (STIE, SMA & MTS Riau) 27, 2023
Bantuan Tenda Cluster Kuliner Keprabon Solo / Keprabon Solo Paguyuban Kuliner Keprabon Solo / 4 November 2023 /
7.
Culinary Cluster Tent Assistance Keprabon Solo Culinary Association November 4, 2023
Bantuan Meja dan Kursi Cluster Alun - Alun Batu Malang / Paguyuban Alun - Alun Batu / Alun - Alun 27 Desember 2023 /
8.
Assistance for Alun - Alun Batu Malang Cluster Tables and Chairs Batu Association December 27, 2023
CSR Pendidikan di Panti Asuhan Al-Andalusia / CSR Education Panti Asuhan Al-Andalusia Mampang / 29 Desember 2023 /
9.
at the Al-Andalusia Orphanage Al-Andalusia Mampang Orphanage December 29, 2023
Bantuan Tenda Cluster Pujasera Hayam Wuruk Semarang / Pujasera Hayamwuruk Semarang / 30 Desember 2023 /
10.
Hayam Wuruk Semarang Food Court Cluster Tent Assistance Hayamwuruk Food Court, Semarang December 30, 2023
602 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Bank berkomitmen untuk memberikan layanan yang terbaik The Bank is committed to providing the best and equal service
dan setara atas produk dan/atau jasa perbankan yang for its banking products and/or services, as well as conveying
disediakannya, serta menyampaikan informasi produk dan/ accurate product and/or banking service information to
atau jasa perbankan yang akurat kepada nasabah. Bank customers. The bank always prioritizes customer comfort
selalu memprioritaskan kenyamanan dan keamanan nasabah and security in transactions.
dalam bertransaksi.
Bank Raya telah mengembangkan produk dan layanan Bank Raya has developed products and services by paying
dengan memperhatikan kebutuhan dari para nasabah. Dalam attention to the needs of customers. In terms of ensuring the
hal menjamin kualitas dan mutu produk yang ditawarkan, quality and quality of the products offered, the Bank always
Bank selalu menerima saran dan masukan untuk peningkatan accepts suggestions and input to improve quality and pays
mutu serta memperhatikan dan menanggapi dengan baik attention to and responds well to customer complaints in
keluhan nasabah sesuai dengan pedoman layanan. Informasi accordance with service guidelines. Accurate information
yang akurat tentang syarat dan ketentuan yang berlaku regarding applicable terms and conditions on products or
terkait produk atau layanan yang ditawarkan oleh Bank selalu services offered by the Bank is always included to ensure the
disertakan untuk menjamin keakuratan informasi terhadap accuracy of information regarding products and services.
produk dan layanan.
Inovasi dan Pengembangan Produk dan Jasa Keuangan Innovation and Development of Sustainable Financial
Berkelanjutan [F.26] Products and Services [F.26]
Bank memiliki produk dan layanan yang sesuai dengan kriteria The Bank has products and services that comply with the
Kegiatan Usaha Berkelanjutan (KUB) berdasarkan POJK- Sustainable Business Activity (KUB) criteria based on POJK-
60/2017 yaitu Digital Saving dan Pinang Bank berencana 60/2017, namely Digital Saving and Pinang. The Bank plans
untuk menerbitkan produk dan layanan lain yang sesuai to issue other products and services that comply with the
dengan kriteria KUB yang dipergunakan oleh nasabah untuk KUB criteria that are used by customers for environmentally
kegiatan usaha yang berwawasan lingkungan. sound business activities.
Selama tahun 2023, secara keseluruhan, Bank mencatatkan During 2023, the Bank recorded the overall realization of KUB
realisasi penyaluran kredit KUB sebesar Rp2,69 triliun. loan disbursement of Rp2.69 trillion, an increase/decrease
Jumlah ini mengalami kenaikan dibandingkan dengan compared to 2022 of Rp2.45 trillion. Loan disbursement for
capaian tahun 2022 yang sejumlah Rp2,45 triliun. Penyaluran Sustainable Business Activities (KUB) in accordance with the
kredit untuk Kegiatan Usaha Berkelanjutan (KUB) yang sesuai criteria in the provisions of POJK-51/2017 reaches 39.05% of
dengan kriteria dalam ketentuan POJK-51/2017 mencapai the total loan disbursed by the Bank.
39,05% dari total kredit yang disalurkan Bank.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 603
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Daftar Inovasi dan Pengembangan Produk/Layanan Tahun List of Product/Service Innovation and Development in
2023 2023
Pihak yang diajak Perkembangan sampai
Nama Proyek Inovasi/
Deskripsi singkat / Tujuan dan target / kerja sama / akhir tahun pelaporan
No Penelitian / Innovation/
Short description Goals and targets Parties invited to / Development until the
Research Project Name
collaborate end of the reporting year
Percepatan layanan Bisnis dalam proses
Pengembangan enhancement kredit sebagai tools dalam pencapaian target
Enhancement Pinang
pinang maksima / Pinang KYD Pinang Maksima yang telah ditetapkan
1. Maksima / Pinang - Live
Maxima Enhancement / Acceleration of Business services in the
Maxima Enhancement
Development credit process as a tool in achieving the set of
KYD Pinang Maksima targets
Memperluas pasar dengan menciptakan
Pengembangan pinjaman
variasi produk (tenor dan plafond) agar sesuai
Multiguna untuk debitur Bank
dengan kebutuhan masyarakat / Expanding
2. Pinang Flexi Kasbon Raya dan BRI / Development - Live
the market by creating product variations
of Multipurpose loans for Bank
(tenor and plafond) in accordance with public
Raya and BRI debtors
needs
Pengembangan Pinang Dana
Talangan untuk integrasi
Pinang Paylater Partner kepada Pihak Ketiga / Seamless Pengajuan Pinjaman / Seamless Live/Proses pencarian
3. -
Integration Development of Pinang Loan Submission Partner
Bailout Fund for integration to
Third Parties
Pengembangan channel
baru bagi nasabah segmen Meningkatkan jumlah NoA, Volume &
4. Raya For Business perusahaan / Development transaksi / Increase the number of NoA, - Live
of new channels for Company Volume & transactions
segment customers
Penerapan E-KYC jarak jauh
Meningkatkan success rate pembukaan Qiscus Dukcapil
menggunakan Video Contact
rekening & Meminimalisir lost opportunity (foto pembanding)
5. Video Contact Center Center / The implementation Live
/ Increase the success rate of opening / (comparison
of E-KYC remote using Video
accounts & minimize lost opportunity photo)
Contact Center
Kolaborasi Sinergi dengan BRI dalam rangka
Pengembangan Pinang
Striking Potential Meningkatkan KYD Pinang Maksima melalui
Maksima untuk mengakuisisi
Partner Through Super ekosistem BRI pada Platform PARI / Synergy Live di aplikasi PARI /
6. customer PARI. / Development PARI
Aggregator & Expand Collaboration with BRI in order to Improve Live on PARI application
of Pinang Maksima to acquire
Supplier Ecosystem KYD Pinang Maksima through the BRI
PARI customers.
ecosystem on the PARI Platform
Peningkatan channel
Cash Out Cardless Host transaksi tarik tunai
Memperbanyak akses transaksi penarikan Persiapan piloting
to Host Unit Kerja BRI / bagi nasabah Raya / The
7. tunai / Increase access to cash withdrawal BRI dengan BRI / Preparation
Cash Out Cardless Host increase of cash withdrawal
transactions of piloting with BRI
to Host BRI Work Unit transaction channels for Raya
customers
Meningkatkan akses permodalan secara
cepat, mudah dan terjangkau yang
Pengembangan webview dan
Pinang Performa terintegrasi dengan platform digital BRI BRI Group, Proses perizinan
API Pinang Performa / Pinang
8. Merchant Financing for Group dan Partner / Increase access to BelanjaParts, Regulator / Process of
Performa webview and API
Digital Partner capital rapidly, easily and affordably which Agriaku Regulatory licensing
development
is integrated with the BRI Group and Partner
digital platforms
Pengembangan QRIS untuk Proses regresi test
digunakan oleh Merchant QRIS Akuisisi merchant / The acquisition of dengan jalin / The
9. Acquiring QRIS -
Bank Raya / QRIS development merchants regression test process
for Bank Raya QRIS Merchants with jalin
Kerjasama integrasi open
Proses pengajuan
banking menggunakan API Kerjasama dengan partner / Collaboration
10. Raya Open API Majoo perizinan / Submission of
/ Open banking integration with partners
licensing process
collaboration using API
Akuisisi dan Retensi nasabah
Terintegrasi dengan
dengan kerjasama bersama Meningkatkan jumlah NoA & Volume dengan
Digital Saving Channeling BRIMO dan LinkAja /
11. partner / Acquisition and kerjasama patner / Increase the number of BRI, LinkAja
with Partner Integrated with BRIMO
retention of customers in NoA, Volume & collaboration partner
and LinkAja
collaboration with partners
Mempermudah nasabah
Bank Raya dalam melakukan
Kerja Sama Cash In-
penarikan tunai tanpa kartu
Cash Out dengan Mitra Memperbanyak akses transaksi penarikan
melalui Mitra Bank (Agen
12. Bank / Cash In-Cash Out dan setoran tunai / Increase access to cash BRILink Live
BRILink) / Make cardless cash
Cooperation with Bank withdrawal and transaction deposit
withdrawals easier for Bank
Partners
Raya customers via Bank
Partners (BRILink Agents)
604 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Evaluasi Keamanan Produk dan Jasa [F.27] Product and Service Safety Evaluation [F.27]
Bank menjamin kelayakan berbagai produk dan layanan The Bank guarantees the adequacy of its various products
yang diluncurkan oleh Bank dan memastikan seluruh produk and services and ensures that all Bank products comply with
Bank telah mematuhi seluruh perundang-undangan serta all laws and regulations determined by the relevant regulators.
peraturan yang ditentukan oleh pihak regulator terkait. Bank The Bank is committed to always providing clear, accurate
berkomitmen untuk selalu memberikan informasi yang jelas, and transparent information. In addition, all operational and
akurat, transparan. Selain itu, seluruh kegiatan operasi dan business activities carried out by the Bank are supervised by
usaha yang dilakukan Bank diawasi oleh OJK dan sesuai the OJK and in accordance with regulations issued by both
dengan peraturan yang dikeluarkan baik oleh OJK maupun the OJK and Bank Indonesia.
Bank Indonesia.
Dampak Produk dan Jasa Keuangan Keberlanjutan [F.28] Impact of Sustainability Financial Products and Services
[F.28]
Bank menyadari bahwa dalam memberikan pembiayaan The Bank is aware that financing may have social and
mungkin memberi dampak sosial dan lingkungan serta environmental impacts and increase related risks. Therefore,
peningkatan risiko terkait. Karenanya Bank sangat the Bank pays close attention to the identification and
memperhatikan proses identifikasi dan penilaian secara assessment process for proper management and not causing
seksama sehingga dapat dikelola dengan baik dan tidak negative social and environmental impacts. The decision to
menimbulkan dampak sosial dan lingkungan yang negatif. group KUB and Non-KUB financing is taken based on publicly
Dalam keputusan pengelompokan pembiayaan KUB dan Non- available information and information provided by customers.
KUB diambil berdasarkan informasi yang tersedia secara
publik maupun informasi yang disediakan oleh nasabah.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 605
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Edaran Otoritas Jasa Keuangan (SEOJK) Nomor 2/ (SEOJK) Circular No. 2/SEOJK.07/2014 dated February 14,
SEOJK.07/2014 tanggal 14 Februari 2014 tentang Pelayanan 2014 on Service and Resolution of Consumer Complaints for
dan Penyelesaian Pengaduan Konsumen pada pelaku Jasa Financial Services actors.
Keuangan.
Untuk memudahkan Nasabah mencari informasi produk- In facilitating customers to find information on Bank Raya
produk Bank Raya, Bank Raya telah menyediakan beberapa products, Bank Raya has provided several channels that can
saluran yang dapat digunakan seperti be used, such as:
• Informasi produk pada situs Perusahaan https:// • Product information on the Company website https://
bankraya.co.id bankraya.co.id
• FAQ produk pada aplikasi-aplikasi digital Bank Raya • Product FAQs on Bank Raya digital application
• Community Branch yang tersebar di kota-kota besar • Community Branches spread across major cities in
Indonesia yang lokasinya dapat dilihat pada https:// Indonesia whose locations can be seen at https://
bankraya.co.id/help/branch-locations bankraya.co.id/help/branch-locations
• Contact Center Bank Raya yaitu Sapa Raya yang terdiri • Bank Raya’s Contact Center of Sapa Raya which consists
dari of
- Call center 1500 494 - Call center 1500 494
- DM Official Instagram Bank Raya (instagram.com/ - DM Official Instagram Bank Raya (instagram.com/
bankraya) bankraya)
- Official Whatsapp Bank Raya (+62 811-1952-3111) - Official Whatsapp Bank Raya (+62 811-1952-3111)
- Official Whatsapp Pinang (+62 811-1953-9494) - Official Whatsapp Pinang (+62 811-1953-9494)
- Facebook Messenger (https://www.facebook.com/ - Facebook Messenger (https://www.facebook.com/
BankRayaOfficial) BankRayaOfficial)
Melalui layanan Pengaduan Nasabah, nasabah dapat Through the Customer Complaints service, customers can
mengajukan pertanyaan, masukan dan juga keluhan submit questions, input and also complaints regarding the
terkait produk dan jasa yang ditawarkan Bank. Layanan products and services offered by the Bank. The Customer
Pengaduan Nasabah dikelola di bawah Divisi Digital Operation Complaints Service is managed under the Digital Operations
yang berfokus untuk menangani dan menindaklanjuti Division which focuses on handling and following up on
pengaduan/keluhan nasabah. Pengaduan nasabah dapat customer complaints/complaints. Customer complaints can
juga disampaikan melalui Customer Service yang berada di also be submitted through Customer Service in the Bank
jaringan kantor Bank Raya. Raya office network.
606 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Pada tahun 2023, terdapat 39.428 pengaduan nasabah yang In 2023, Bank Raya received a total of 39,428 customer
diterima oleh Bank Raya. Dari jumlah tersebut, sebagian besar complaints. Of these, the majority of complaints are related
pengaduan adalah terkait gangguan/kerusakan perangkat & to errors/faults in information technology devices & system.
sistem teknologi informasi Hingga akhir tahun 2023, Bank By the end of 2023, the Bank has resolved 100% of incoming
telah menyelesaikan 100% dari pengaduan yang masuk. complaints.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 607
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
2. Peraturan Otoritas Jasa Keuangan (OJK) No.22 Tahun 2. Financial Services Authority (OJK) Regulation No. 22 of
2023 Tentang Perlindungan Konsumen dan Masyarakat di 2023 concerning Consumer and Public Protection in the
Sektor Jasa Keuangan. Financial Services Sector.
3. Surat Edaran OJK No.14/ SEOJK.07/2014 Tentang 3. OJK Circular Letter No.14/ SEOJK.07/2014 on
Kerahasiaan dan Keamanan Data Dan/Atau Informasi Confidentiality and Security of Consumer Data and/or
Pribadi Konsumen. Personal Information.
Dalam menjaga informasi mengenai kerahasiaan nasabah, In maintaining customer confidentiality, the Bank requests
Bank meminta persetujuan tertulis dari Nasabah bahwa Bank written consent from the Customer that the Bank will not
tidak akan memberikan dan/atau menyebarluaskan Data provide and/or disseminate Customer Personal Data to
Pribadi Nasabah kepada pihak Lain untuk tujuan komersial, other parties for commercial purposes, unless otherwise
kecuali ditetapkan lain oleh peraturan perundang-undangan stipulated by other applicable laws and regulations. In
lain yang berlaku. Dalam permintaan persetujuan Bank requesting approval, the Bank must first explain the purpose
terlebih dahulu menjelaskan tujuan dan konsekuensi dari and consequences of providing and/or disseminating the
pemberian dan/atau penyebarluasan Data Pribadi Nasabah Customer’s Personal Data to other parties.
kepada pihak Lain.
Bank Raya telah memiliki kebijakan yang mengatur tentang Bank Raya has a policy that regulates the confidentiality of
kerahasiaan data nasabah melalui Surat Edaran Direksi No: customer data through the Board of Directors Circular No:
SE.B.36/DIR.02.05/PCP/12/2022 tanggal 15 Desember 2022, SE.B.36/DIR.02.05/PCP/12/2022 dated December 15, 2022,
tentang Pedoman Pelaksanaan Perlindungan Konsumen on the Implementation of Bank Raya Consumer Protection
Bank Raya. Dalam surat tersebut, Bank menjamin data Guidelines. In it, the Bank guarantees customer data
kerahasiaan nasabah. Bank Raya tidak memperbolehkan confidentiality. Bank Raya does not allow its employees to
pekerjanya untuk membocorkan data-data sebagai berikut: divulge the following data: [418-1]
[418-1]
Data dan/atau Informasi pribadi Konsumen adalah data dan/ Consumer personal data and/or information is data and/or
atau informasi yang mencakup: information that includes:
1. Perseorangan 1. Individual
- Nama - Name
- Alamat - Address
- Tanggal lahir dan/atau umur - Date of birth and/or age
- Nomor telepon - Phone number
- Nama Ibu Kandung - Biological mother’s name
2. Korporasi 2. Corporate
- Nama - Name
- Alamat - Address
- Nomor telepon - Phone number
- Susunan Direksi dan Dewan Komisaris termasuk - Composition of the Board of Directors and Board of
dokumen identitas berupa KTP/ Paspor/Izin Tinggal Commissioners including identity documents in the
form of KTP/Passport/Stay Permit
- Susunan pemegang Saham - Shareholder composition
608 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
masukan bagi perbaikan berkelanjutan Bank. Berikut ini improvement. The following are the results of customer
merupakan hasil survei kepuasan nasabah selama 2 (dua) satisfaction surveys for the last 2 (two) years.
tahun terakhir.
Kepatuhan sosial ekonomi berhubungan dengan karyawan, Socioeconomic compliance relates to employees, customers,
nasabah, masyarakat, serta pemerintah. Sehubungan society and government. In relation to employees, Bank Raya
dengan karyawan, Bank Raya telah memenuhi segala has complied with all employment regulations established
peraturan ketenagakerjaan yang disusun Undang-Undang by the Employment Law regarding working hours, wages,
Ketenagakerjaan baik mengenai jam kerja, pengupahan, benefits and remuneration. Furthermore, in its relationship
tunjangan, dan remunerasi. Selanjutnya dalam hubungannya with customers, Bank Raya has strived to provide the best
dengan nasabah, Bank Raya telah mengupayakan untuk service by providing correct and appropriate product
memberikan pelayanan terbaik dengan memberikan informasi information, providing excellent service, maintaining
produk yang benar dan tepat, memberikan pelayanan prima, customer privacy, and providing complaint channels.
menjaga privasi nasabah, serta menyediakan saluran Meanwhile, in its relations with the community, Bank Raya
pengaduan. Sedangkan dalam hubungannya dengan ensures that no community rights are violated and that the
masyarakat, Bank Raya memastikan bahwa tidak terdapat Bank’s activities contribute to the community. In relation to
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 609
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
hak-hak masyarakat yang dilanggar dan aktivitas Bank the government, Bank Raya has complied with the rules and
berkontribusi untuk masyarakat. Terakhir sehubungan regulations of the government and regulators.
dengan pemerintah, Bank Raya telah taat terhadap peraturan
dan ketentuan pemerintah dan regulator.
Selama tahun 2023, tidak terdapat kasus atau keterjadian During 2023, there were no cases or incidents that violate
yang melanggar kepatuhan sosial ekonomi yang dilakukan socioeconomic compliance carried out by the Bank making
Bank sehingga tidak ada denda, sanksi non-moneter, serta no fines, non-monetary sanctions, or lawsuits related to
tuntutan hukum berkaitan dengan pelanggaran aspek sosial violations of social and economic aspects.
dan ekonomi.
Meskipun penggunaan external assurance oleh pihak ketiga Although the quality and dependability of the information
yang independen dapat memastikan kualitas dan keandalan given in this report may be ensured by the use of external
informasi yang disampaikan dalam laporan ini. Namun, assurance by an impartial third party. However, since this is
atas pertimbangan tertentu dari manajemen, saat ini Bank not a necessity to be “in conformity” with the rules, the Bank
belum melakukan verifikasi tertulis dari pihak ketiga yang has not yet conducted formal verification from an impartial
independen dikarenakan hal tersebut bukan merupakan third party based on specific management concerns. The
persyaratan agar dapat “sesuai” dengan pedoman. Namun Bank does, however, guarantee that all the information
demikian, Bank menjamin bahwa seluruh informasi yang included in this report is truthful, accurate, and factual.
diungkapkan di dalam laporan ini adalah benar, akurat, dan
faktual.
610 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Hingga 31 Desember 2023, PT Bank Raya Indonesia Tbk tidak As of December 31, 2023, PT Bank Raya Indonesia Tbk did not
mendapat tanggapan dari para pemangku kepentingan received responses from stakeholders following the
setelah diterbitkannya Laporan Keberlanjutan tahun 2022. publication of the 2022 Sustainability Report. Therefore,
Oleh karena itu, dalam laporan ini tidak terdapat informasi this report does not include specific information regarding
secara spesifik terkait tindak lanjut yang dilakukan oleh Bank the follow-up actions conducted by the Bank regarding
atas tanggapan dari pemangku kepentingan. stakeholder responses.
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 611
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
Terima kasih atas kesediaan Bapak/Ibu/Saudara We appreciate your taking the time to read our 2023
untuk membaca Laporan Keberlanjutan 2023 ini. Guna Sustainability Report. To help us enhance the Sustainability
meningkatkan Laporan Keberlanjutan pada tahun-tahun Report in the following years, we hope you would complete
mendatang kami berharap kesediaan Bapak/Ibu/ Saudara and return the Feedback Sheet that has been produced.
untuk mengisi Lembar Umpan Balik yang telah disiapkan, dan
mengirimkannya kembali kepada Kami.
1. Laporan Keberlanjutan ini telah memberikan informasi mengenai berbagai hal yang telah dilaksanakan PT Bank Raya
Indonesia Tbk. dalam pemenuhan tanggung jawab sosial perusahaan. / This Sustainability Report details the many
initiatives taken by PT Bank Raya Indonesia Tbk to satisfy its corporate social responsibility.
2. Materi dalam Laporan Keberlanjutan ini termasuk data dan informasi yang disajikan mudah dimengerti dan dipahami. / The
content of this Sustainability Report, including statistics and information, is straightforward and simple to comprehend.
3. Materi dalam Laporan Keberlanjutan ini, termasuk data dan informasi yang disajikan sudah cukup lengkap. / This
Sustainability Report’s content, including the statistics and information offered, is fairly comprehensive.
4. Materi dalam Laporan Keberlanjutan ini, termasuk data dan informasi yang disajikan dapat dipertanggungjawabkan
kebenarannya. / This Sustainability Report’s content, including the statistics and information offered, is justifiable.
5. Bagaimana dengan tampilan Laporan Keberlanjutan ini, baik dari isi, desain dan tata letak, serta foto-foto? / How does this
Sustainability Report seem, both in terms of content, style and layout, as well as photographs?
6. Informasi apa saja yang dirasakan bermanfaat dari Laporan Keberlanjutan ini? / Which sections of this Sustainability
Report do you find most useful?
..........................................................................................................................................................................................
612 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
7. Informasi apa saja yang dirasakan kurang bermanfaat dari Laporan Keberlanjutan ini? / Which sections of this Sustainability
Report do you find less useful?
..........................................................................................................................................................................................
8. Informasi apa saja yang dirasakan kurang dan harus dilengkapi dalam Laporan Keberlanjutan mendatang? / What
information do you believe is missing from a future Sustainability Report?
..........................................................................................................................................................................................
Nama Lengkap :
Full name
Institusi/Perusahaan :
Institution/Company
Email :
Lain-lain :
Others
Kepentingan :
Interest
(pilih salah satu/select one)
Mohon formulir ini dapat dikirimkan kembali kepada:/ Please send this form back to:
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 613
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
No. Indeks
Halaman /
/ Indices Pengungkapan / Disclosure
Page
No.
STRATEGI KEBERLANJUTAN / SUSTAINABILITY STRATEGY
C.1 Visi, Misi, dan Nilai Keberlanjutan Perusahaan / Vision, Mission and Values of Sustainability 12-13
Nama, alamat, nomor telepon, nomor faksimil, email, dan situs resmi / Name, address, telephone number,
C.2 81
fax number, email and official website
Skala Usaha (total aset atau kapitalisasi aset, total kewajiban, jumlah karyawan yang dibagi menurut jenis
kelamin, jabatan, usia, pendidikan, dan status ketenagakerjaan), Persentase kepemilikan saham (publik
20-21,
C.3 dan pemerintah), Wilayah operasional / Business Scale (total assets or asset capitalization, total liabilities,
102,132,134
number of employees divided by gender, position, age, education and employment status), Percentage of
share ownership (public and government), Operational area
Penjelasan singkat produk, layanan, dan kegiatan usaha yang dijalankan / A brief explanation of the products,
C.4 92
services and running business activities
C.5 Keanggotaan pada Asosiasi / Membership in the Associations 104
Perubahan Perseroan yang bersifat signifikan misal terkait dengan penutupan atau pembukaan cabang,
C.6 dan struktur kepemilikan / Significant changes in issuers and public companies such as related to branch 105
closures or openings, and ownership structure
PENJELASAN DIREKSI / EXPLANATION OF THE BOARD OF DIRECTORS
614 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
No. Indeks
Halaman /
/ Indices Pengungkapan / Disclosure
Page
No.
F.4 Biaya lingkungan hidup yang dikeluarkan / Environmental costs incurred 581
F.5 Penggunaan material yang ramah lingkungan / Use of environmentally friendly materials 587
F.6 Jumlah dan intensitas energi yang digunakan / Amount and intensity of energy used 589
Upaya dan pencapaian efisiensi energi yang dilakukan termasuk penggunaan sumber energi terbarukan /
F.7 589, 590
Efforts and achievements of energy efficiency and use of renewable energy
ASPEK AIR / WATER ASPECT
F.15 Tumpahan yang terjadi (jika ada) / Spills that occur (if any) 592
ASPEK PENGADUAN TERKAIT LINGKUNGAN HIDUP / COMPLAINT ASPECTS RELATED TO THE ENVIRONMENT
Jumlah dan materi pengaduan lingkungan hidup yang diterima dan diselesaikan / Number and material of
F.16 593
environmental complaints received and resolved
KINERJA SOSIAL / SOCIAL ASPECT
Komitmen LJK, emiten, atau perusahaan publik untuk memberikan layanan atas produk dan/atau jasa yang
F.17 setara kepada konsumen / Commitment of Financial Services Institutions, issuers, or public companies to 602
provide equivalent products and/or services to consumers
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 615
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
No. Indeks
Halaman /
/ Indices Pengungkapan / Disclosure
Page
No.
F.19 Tenaga kerja anak dan tenaga kerja paksa / Child labor and forced labor 597
F.21 Lingkungan bekerja yang layak dan aman / Decent and safe working environment 597
F.22 Pelatihan dan pengembangan kemampuan pegawai / Employee capability training and development 598
F.23 Dampak operasi terhadap masyarakat sekitar / Impact of operations on surrounding communities 599
F.29 Jumlah produk yang ditarik kembali dan alasannya / Number of product recalls 605
Survei kepuasan pelanggan terhadap produk dan/jasa keuangan berkelanjutan / Customer satisfaction
F.30 608
survey on sustainable financial products and/or services
LAIN-LAIN / OTHERS
G.1 Verfikasi tertulis dari pihak independen, jika ada / Written verification from independent party, if any 610
616 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
LAPORAN KEBERLANJUTAN
Sustainability Report group
Entitas yang termasuk dalam pelaporan keberlanjutan organisasi / Entities included in the organization’s
GRI 2-2 559
sustainability reporting
GRI 2-3 Periode pelaporan, frekuensi dan narahubung / Reporting period, frequency and contact point 559
GRI 2-6 Aktivitas, rantai pasokan, dan hubungan bisnis lainnya / Activities, value chain and other business relationships 104
GRI 2-9 Struktur dan komposisi tata Kelola / Governance structure and composition 300-554
GRI 2-10 Nominasi dan pemilihan badan tata kelola tertinggi / Nomination and selection of the highest governance body 300-554
GRI 2-11 Ketua badan tata kelola tertinggi / Chair of the highest governance body 300-554
Peran badan tata kelola tertinggi dalam mengawasi pengelolaan dampak / Role of the highest governance body in
GRI 2-12 300-554
overseeing the management of impacts
GRI 2-13 Pendelegasian tanggung jawab untuk mengelola dampak / Delegation of responsibility for managing impacts 300-554
Peran badan tata kelola tertinggi dalam pelaporan keberlanjutan / Role of the highest governance body in
GRI 2-14 300-554
sustainability reporting
GRI 2-16 Komunikasi terkait masalah kritis / Communication of critical concerns 300-554
GRI 2-17 Pengetahuan kolektif atas badan tata kelola tertinggi / Collective knowledge of the highest governance body 300-554
GRI 2-18 Evaluasi kinerja badan tata kelola tertinggi / Evaluation of the performance of the highest governance body 300-554
GRI 2-21 Rasio kompensasi total tahunan / Annual total compensation ratio 300-554
GRI 2-22 Pernyataan tentang strategi pembangunan berkelanjutan / Statement on sustainable development strategy 562, 576
3-1 Proses penentuan topik material / Process to determine material topics 561
www.bankraya.co.id PT Bank Raya Indonesia Tbk | 2023 | Annual Report and Sustainability Report 617
PERKUAT BISNIS DIGITAL BERKUALITAS, MENUJU PERTUMBUHAN BERKELANJUTAN
group Strengthening Digital Business Excellence towards Sustainable Growth
GRI 201-1 Nilai ekonomi langsung yang dihasilkan dan didistribusikan / Direct economic value generated and distributed 582
Implikasi finansial dan risiko serta peluang lain akibat perubahan iklim / Financial implications and other risks and
GRI 201-2 583
opportunities due to climate change
Kewajiban program imbalan pasti dan program pensiun lainnya / Defined benefit plan obligations and other
GRI 201-3 583
retirement plans
GRI 201-4 Bantuan keuangan yang diterima dari pemerintah / Financial assistance received from government 584
GRI 205-1 Operasi dinilai untuk risiko yang terkait dengan korupsi / Operations assessed for risks related to corruption 585
GRI 205-3 Insiden korupsi yang dikonfirmasi dan tindakan yang diambil / Confirmed incidents of corruption and actions taken 587
GRI 302-1 Konsumsi energi dalam organisasi / Energy consumption within the organization 589
GRI 302-2 Konsumsi energi di luar organisasi / Energy consumption outside of the organization 589
GRI 302-5 Pengurangan kebutuhan energi produk dan jasa / Reductions in energy requirements of products and services 589
GRI 303-1 penggunaan air sebagai sumber daya Bersama / Interactions with water as a shared resource 591
GRI 305-2 Energi tidak langsung (Cakupan 2) emisi GRK / Energy indirect (Scope 2) GHG emissions 590
GRI 306-1 Produksi limbah dan dampak signifikan terkait Limbah / Waste generation and significant waste-related impacts 592
GRI 306-2 Pengelolaan dampak signifikan terkait limbah / Management of significant waste-related impacts 592
GRI 401-1 Perekrutan karyawan baru dan pergantian karyawan / New employee hires and employee turnover 595
GRI 403 KESEHATAN DAN KESELAMATAN KERJA / OCCUPATIONAL HEALTH AND SAFETY
GRI 403-1 Sistem manajemen kesehatan dan keselamatan Kerja / Occupational health and safety management system 597
GRI 404-1 Rata-rata jam pelatihan per tahun per karyawan / Average hours of training per year per employee 598
Program untuk meningkatkan keterampilan karyawan dan program bantuan peralihan / Programs for upgrading
GRI 404-2 598
employee skills and transition assistance programs
618 Laporan Tahunan dan Laporan Berkelanjutan | 2023 | PT Bank Raya Indonesia Tbk www.bankraya.co.id
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LAPORAN KEUANGAN
Financial Report
group
dana talangan
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group
group